PayPal Holdings, Inc. — Credit Services. Scored on the same transparent model behind the daily rankings.
★
PYPL
PayPal Holdings, Inc. · Credit Services
FCF$5.5bB+
Rev+5.8%C+
D/E0.72B
P/E10.2xA-
PEG1.14B+
63.6Financial strength
$54.00$46.2B
1Y Target$60.20Analyst consensus · 33 analysts
5Y Target$76.01Compound horizon
10Y Target$97.48Long-dated conviction
FCF$5.5bTTMB+
FCF $5.5b — strong cash profile, above most peers
Rev+5.8%TTM YoYC+
Revenue +5.8% — steady but below market-beating range
D/E0.72B
D/E 0.72 — near the Financial Services debt median (≈60th pctile)
P/E10.2xA-
P/E 10.2 — cheaper than most Financial Services peers (≈25th pctile)
PEG1.14B+
PEG 1.14 — near fair value, classic Lynch benchmark (1.0)
Forward price target — the 1-year figure is the analyst consensus where the stock is covered; the 5- and 10-year figures compound our earnings estimate from there. The DCF below is a separate cross-check on intrinsic value (what it's worth today), not another target.
Financial strength · 63.6 / 100
Profitability95.3
Value (P/B)34.5
Income41.4
A peer-relative read for financials on profitability (ROE), valuation, and covered income — the quality-growth (FCF/ROIC) screen doesn't apply to balance-sheet businesses. Not comparable to the 0–100 quality-growth score shown on other stocks.
Entry · Margin of safety
52-week rangeMid-range
32% off the 12-month high
vs DCF fair value36% belowest. fair value ~$85
What the price assumes: free cash flow compounding at ~-6% a year for the next decade — vs the ~8% a year our model projects from current growth and analyst estimates.
Quality signals · context only
ROIC16.2% · A-return on invested capital — not score-weighted
Model-generatedGenerated by the Bull Rankings model from this company's reported fundamentals, and checked against the figures shown above.
Why now
Credit Services · market cap $46.2b. Down 32% from 52-week high of $79.22 — deep drawdown territory. 33 sell-side analysts rate this a Hold with a mean 1-yr target of $60.20 (implying +11% upside).
Moat
Net margin 15% beats the market median by a meaningful margin — the company is keeping more of every revenue dollar than the average S&P constituent. ROE 25% — top-decile capital efficiency. Either pricing leverage, low capital intensity, or aggressive buybacks; the durability story depends on which. FCF converts 109% of net income — earnings translate cleanly into cash, a sign that working capital and capex are well-disciplined.
Risk
Down 32% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up. Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Horizon
1-3 yr $60.20 (33-analyst consensus) — multiple re-rating thesis requires a catalyst. 5 yr $76.01 at ~7% CAGR — dividend + buyback compounding. 10 yr $97.48 if the moat survives secular pressure.
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Score history · PYPL
Not enough history yet — the model records PYPL's score after each daily run, and the chart appears once a few days have accumulated.
PYPL at a glance
Every figure here comes from the same audited fundamentals behind the score. Charts drawn from data the score does not use say so on the card.
Analyst estimate revisions
30-day change
+0.3%
90-day change
+0.7%
Forward EPS estimate
$5.80
Over the last 90 days, what analysts expect PYPL to earn is essentially unchanged. The estimate is derived from price and forward P/E captured at the same instant, so a moving share price does not move this number — only a changed forecast does.
A rising estimate means expectations are improving, not that the price has failed to keep up — and estimates get cut as readily as they get raised. It is not part of the Bull Rankings score. Biggest movers across the market →
Position sizing · PYPL
$
%
%
Shares to buy
37
Position size
$1,998
4.0% of portfolio
Stop price
$40.50
25% below $54.00
$ at risk if stopped
$499.50
budget $500.00 · 1% of portfolio
Math only — share count is floor(portfolio × risk% ÷ (price × stop%)). Doesn't account for commissions, slippage, gap risk, or position-correlation across your book. Inputs persist locally; never sent to the server. Not investment advice.
PayPal Holdings, Inc. (PYPL): score, valuation & FAQ
PayPal Holdings, Inc. (PYPL) is a Credit Services company. As a bank, insurer or REIT it runs on a different financial model from the rest of the market, so Bull Rankings grades it on a sector-appropriate card — price-to-book, dividend yield, payout ratio and cash-flow coverage — rather than the 0–100 quality-growth score used elsewhere. The read below is a transparent screen, not a buy recommendation.
Its strongest graded signals are P/E (A-), FCF (B+) and PEG (B+). On valuation, PYPL sits about 36% below our discounted-cash-flow fair value (a margin of safety) — the current price implies roughly -6% annual free-cash-flow growth over the next decade.
Is PYPL a good stock to buy?
Bull Rankings grades PYPL on a sector-appropriate card — price-to-book, dividend yield, payout and cash-flow coverage — rather than a single quality-growth score. That is driven by P/E (A-), FCF (B+) and PEG (B+). A score is a quantitative screen of PayPal Holdings, Inc.'s fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.
How does Bull Rankings grade PYPL?
As a bank, insurer or REIT, PYPL isn't given a quality-growth score — signals like free cash flow, debt-to-equity and P/E don't translate cleanly to a balance-sheet business. Instead it's graded on a sector-appropriate card: price-to-book, dividend yield, payout ratio and operating-cash-flow coverage, where it rates strongest on P/E (A-), FCF (B+) and PEG (B+).
Is PYPL overvalued or undervalued?
Based on $54.00, PYPL sits about 36% below our discounted-cash-flow fair value (a margin of safety) — the current price implies roughly -6% annual free-cash-flow growth over the next decade. It trades at a 10.2x P/E (graded A-). Discounted-cash-flow estimates are sensitive to growth and discount-rate assumptions, so treat this as a cross-check, not a price target.
What are the main risks of investing in PYPL?
Down 32% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up. Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Bull Rankings is an automated fundamentals screen for research and education. It is not investment advice, and nothing here is a recommendation to buy or sell any security. Do your own research and consider consulting a licensed financial advisor.