PYPL
PAYPAL HOLDINGS, INC.Data updated: 2026-04-21 · Current price: $44.41
Composite Score: 51
HOLD
Score: 51 / 100
Valuation is within reasonable range — hold and wait for a better entry point
Profitability
50
Growth
43
Valuation
33
Moat
25
Stability
70
Business Quality
ROE · Gross Margin · Revenue Growth
ROE
25.8%
Quality threshold: > 15%
Gross Margin
18.3%
Quality threshold: > 40%
Rev. Growth (5yr)
6.9%
Quality threshold: > 5%
5-Year ROE: 25.8% → 20.3% → 20.2% → 11.9% → 19.2%|5-Year Gross Margin: 18.3% → 16.7% → 16.9% → 13.9% → 16.8%
Financial Strength
Debt Ratio · Free Cash Flow · Current Ratio
Debt / Equity
2.96
Quality threshold: < 0.5
FCF (5yr avg)
6.9B $
Quality threshold: > 0
Current Ratio
1.34x
Quality threshold: > 1.5
FCF Trend (B USD)
$7.3B2022
$8.1B2023
$5.5B2024
$6.5B2025
$7.2B2026
Valuation
Intrinsic Value · Margin of Safety
Owner Earnings
$5.3B
Net Income + D&A - CapEx
Current Price
$44.41
Source: Alpha Vantage
💡 Valuation Note: Intrinsic value based on DCF model, adjustable above. Visit the DCF Calculator for full three-stage valuation.
Complete Your Analysis
"Price is what you pay. Value is what you get."
— Warren Buffett