Valuation dashboard for PayPal Holdings, Inc. (PYPL) with P/E 10.79, P/B 2.46, EV/EBITDA 7.32 and dividend yield 0.99%. DCF, Graham Number, EPS growth, peer multiples and dividend discount models plus sector comparison against other Financial Services companies.
PayPal Holdings, Inc. provides a worldwide technological framework that facilitates digital financial transactions for both businesses and individual users. The company offers a wide array of payment services through well-known brands such as PayPal, PayPal Credit, Braintree, Venmo, Xoom, Zettle, Hyperwallet, Honey, and Paidy.
Analysis Summary
PayPal Holdings, Inc. reported revenue of $33.17B in the most recent fiscal year, growing at a 5-year CAGR of 9.1%. Net income reached $5.23B, with a 4.5% 5-year CAGR.
Trailing-twelve-month margins: gross margin 44.5%, operating margin 18.3%, net margin 13.8%.
At $56.55 (closing price, October 28, 2026), PYPL trades at a P/E of 10.79 and an ROE of 23.76%. Market capitalisation stands at $48.4B, placing it among large-cap names.
Balance sheet quality for PYPL: current ratio of 1.3. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Valuation Ratios
| P/E Ratio | 10.79 |
| Price / Book | 2.46 |
| EV / EBITDA | 7.32 |
| Dividend Yield | 0.99% |
Valuation Models
| DCF Fair Value | $133.12 |
| vs Current Price | +135.4% |
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| PYPL | PayPal Holdings, Inc. | $48.4B | 10.79 | 2.46 | 23.8% |
| MA | Mastercard Incorporated | $534.6B | 33.57 | 95.94 | 232.5% |
| SOFI | SoFi Technologies, Inc. | $22.1B | 31.16 | 1.96 | 6.8% |
| V | Visa Inc. | $748.0B | 34.06 | 19.13 | 64.5% |
| AFRM | Affirm Holdings, Inc. | $20.8B | 12.70 | 4.53 | 47.9% |
| DLO | Dlocal Limited | $4.1B | 20.25 | 7.54 | 37.6% |
| GPN | Global Payments Inc. | $22.1B | 0.94 | -4.1% |
Price
| Price | $56.55 (closing price, October 28, 2026) |
| Market Cap | $48.4B |
| Exchange | NASDAQ |
| Country | US |
Profitability
| Return on Equity | 23.76% |
| Return on Invested Capital | 14.37% |
| Return on Assets | 5.79% |
| Gross Margin | 44.50% |
| Operating Margin | 18.34% |
| Net Margin | 13.78% |
Related companies: MA · SOFI · V · AFRM · DLO · GPN
Explore sector: Financial Services · Financial - Credit Services
More sections of PYPL: Overview · Financials · Statistics · Estimates · Technical · Ownership · News · Events
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