PayPal Holdings, Inc.
Company & revenue
About PayPal Holdings, Inc.
Financial breakdown: year ended 2025-12-31
Who they are
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. Through its extensive platform, consumers are able to send and receive funds across roughly 200 global markets and in approximately 100 different currencies.
Brands & revenue mix
Peer-to-peer social payment service.
Separate brand revenue is not available in this research.Source
Payment gateway and processing services.
Separate brand revenue is not available in this research.Source
International remittance service.
Separate brand revenue is not available in this research.Source
Point-of-sale solutions for small businesses.
Separate brand revenue is not available in this research.Source
Buy now, pay later service in Japan.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Customer concentrationPREMIUM
As of the fiscal year ended December 31, 2024, PayPal did not have any individual customer that accounted for more than 10% of its net revenues.
Sources
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
68
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
78
Strong
Financial Strength
81
Business Quality / Moat
82
Management
100
Growth Quality
30
Risk / Durability
92
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
73
Fair
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
69/100
Building Historical Record
Model Score 69/100 — estimates relative performance potential, distinct from WallStreetScore (company quality).
Probability unavailable — the model has not produced a calibrated probability yet.
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WSS View
The quick read
WSS currently rates the company as mixed to moderately strong.
At today’s price, the WSS valuation framework currently reads as relatively attractive.
The model outlook is currently moderate.
- •Balance-sheet / debt profile scores strongly
- •Valuation scores attractively
- •Recent buyback activity is present
- •Revenue fundamentals are weak
Company-specific research
Questions worth answering for PYPL
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can PYPL maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is PYPL's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Does PYPL's balance between cash and debt leave enough flexibility if business conditions weaken?
- •Is PYPL's valuation discount tied to a temporary concern or to a longer-term business risk?
Essential Investment Snapshot
Wall Street Score
68
Opportunity Score
73
Market Cap
$45.17B
P/E Ratio
9.9
EPS
$5.33
52-Week High
$79.22
52-Week Low
$38.46
Beta
1.29
Intrinsic Value
$113.82
Analyst Target
$55.00
Shares Outstanding
968.0M
Total Revenue
$34.13B
Total Debt
$14.22B
Dividend Yield
1.06%
Liquidation Value / Share
$20.48
Annual Dividend
$0.56
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Weakening momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for PYPL
Detected from reported data — verify before acting.Dividend history reported
Dividend payments are recorded. Review the dates and regular/special classification below; past payments do not guarantee future dividends.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Community Sentiment
0 active · 0 total callsNo personal call yet on PYPL.
What the Bulls Say
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Product opportunity: 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. Through its extensive platform, consumers are able to send and receive funds across roughly 200 global markets and in approximately 100 different currencies. Additionally.
- +Positive free cash flow may provide capacity to invest in growth.
What the Bears Say
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Financial - Credit Services industry.
Bull and bear cases summarize disclosed catalysts, growth opportunities and risks; they are not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
2 historical score records availablePrevious Score
66
Jul 24, 2026
Change
+2.3
points
Current Score
68
Oct 1, 2026
Category Changes
PYPL increased 2.3 points because Revenue improved by 2.3 points, Capital improved by 2 points, Valuation improved by 17.5 points.
Positive Contributors
- + Revenue improved by 2.3 points
- + Capital improved by 2 points
- + Valuation improved by 17.5 points
- + Buffett improved by 2.4 points
Projected Score
Projected Score
70
Projected Change
+1.4%
Preliminary comparable-period financial changes suggest improvement of approximately 1.4 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
UndervaluedCurrent Price
$52.80
Intrinsic Value
$113.82
Difference
−$61.02
-53.6% vs IV
Margin of Safety
53.6%
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