PayPal Holdings Inc (PYPL) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
PayPal Holdings Inc stock (PYPL) is currently trading at $44.85. PayPal Holdings Inc PE ratio is 8.17. PayPal Holdings Inc PS ratio (Price-to-Sales) is 1.25. Analyst consensus price target for PYPL is $50.35. WallStSmart rates PYPL as Buy.
PayPal Holdings Inc (PYPL) stock price prediction for 2030: Base case $130.29. Bull case $162.86. Bear case $97.72. See full PYPL 2030 price forecast and methodology on WallStSmart.
- PYPL PE ratio analysis and historical PE chart
- PYPL PS ratio (Price-to-Sales) history and trend
- PYPL intrinsic value — DCF, Graham Number, EPV models
- PYPL stock price prediction 2025 2026 2027 2028 2029 2030
- PYPL fair value vs current price
- PYPL insider transactions and insider buying
- Is PYPL undervalued or overvalued?
- PayPal Holdings Inc financial analysis — revenue, earnings, cash flow
- PYPL Piotroski F-Score and Altman Z-Score
- PYPL analyst price target and Smart Rating
PayPal Holdings Inc
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PYPL Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · PayPal Holdings Inc (PYPL)
PYPL trades at a significant discount to its Graham intrinsic value of $253.19, offering a 82% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
PayPal Holdings Inc (PYPL) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in market cap, peg ratio, return on equity. Concerns around revenue growth. Overall metrics suggest strong investment potential with favorable risk/reward.
PayPal Holdings Inc (PYPL) Key Strengths (7)
Growing significantly faster than its price suggests
Every $100 of shareholder equity generates $26 in profit
Earnings per share surging 39.40% year-over-year
82.29% of shares held by major funds and institutions
Large-cap company with substantial market presence
Paying $1.25 for every $1 of annual revenue
Strong profitability: $16 kept per $100 revenue
Supporting Valuation Data
PayPal Holdings Inc (PYPL) Areas to Watch (3)
Revenue growing slowly at 3.70% annually
Decent operational efficiency, solid but not exceptional
Fairly priced relative to book value
PayPal Holdings Inc (PYPL) Detailed Analysis Report
Overall Assessment
This company scores 78/100 in our Smart Analysis, earning a B+ grade. Out of 10 metrics analyzed, 7 register as strengths (avg 9.3/10) while 3 fall into concern territory (avg 4.7/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on PEG Ratio, Return on Equity, EPS Growth. Valuation metrics including PEG Ratio (0.69), Price/Sales (1.25) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 25.70%, Profit Margin at 15.80%. Growth metrics are encouraging with EPS Growth at 39.40%.
The Bear Case
The primary concerns are Revenue Growth, Operating Margin, Price/Book. Some valuation metrics including Price/Book (2.00) suggest expensive pricing. Growth concerns include Revenue Growth at 3.70%, which may limit upside. Profitability pressure is visible in Operating Margin at 17.50%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 25.70% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 3.70% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of PEG Ratio and Return on Equity makes a compelling case at current levels. The key risk is Revenue Growth, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B+ grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
PYPL Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
PYPL's Price-to-Sales ratio of 1.25x trades at a deep discount to its historical average of 5.68x (1th percentile). The current valuation is 92% below its historical high of 15.07x set in Jun 2021, and 1% above its historical low of 1.24x in Mar 2026. Over the past 12 months, the PS ratio has compressed from ~2.1x as trailing revenue scaled faster than the stock price.
WallStSmart Analysis Synopsis
Data-driven financial summary for PayPal Holdings Inc (PYPL) · FINANCIAL SERVICES › CREDIT SERVICES
The Big Picture
PayPal Holdings Inc operates as a stable business with moderate growth and solid fundamentals. Revenue reached 33.2B with 4% growth year-over-year. Profit margins of 15.8% are healthy, with room for further expansion as the business scales.
Key Findings
ROE of 25.7% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Generating 2.2B in free cash flow and 2.4B in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Sector dynamics: monitor CREDIT SERVICES industry trends, competitive moves, and regulatory changes that could impact PayPal Holdings Inc.
Bottom Line
PayPal Holdings Inc offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About PayPal Holdings Inc(PYPL)
NASDAQ
FINANCIAL SERVICES
CREDIT SERVICES
USA
PayPal Holdings, Inc. is an American company operating an online payments system in the majority of countries that support online money transfers, and serves as an electronic alternative to traditional paper methods like checks and money orders. The company operates as a payment processor for online vendors, auction sites, and many other commercial users, for which it charges a fee.