Openbookopenbook
Equity
PYPL
+0.0 · +0.00%
USD · NASDAQ

PayPal Holdings Inc(PYPL) Stock Analysis | Financial Services

USD --+0.00%
Reward61Moderate
Risk45Moderate
75%Data
Quality Compounder
Market Cap:46.25Bn
ⓘ
Reward Rating
61
Moderate
Reward Assessment
75% data coverage
Top 50% of stocksView factors
ⓘ
Risk Rating
45
Moderate
Risk Assessment

Educational tool only – Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

Educational tool only · More
Limited data coverage
We don't have enough public data on PYPL to score it reliably yet — Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock — scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
New listing — limited trading history
Fundamental and analyst data are available for PYPL, but momentum and volatility metrics will develop as more trading history accumulates (0 trading sessions so far).
Not available yet for this stock
The overview tab requires data we don't have for this stock yet. The price chart is the most reliable view we have — try the Chart tab.
Earnings Ex-dividend

Market Performance

Stock returned +10.0% over the past year, broadly in line with market conditions.

Analyst Target

Analyst consensus price target: $60.20.

What is PayPal Holdings Inc?

operates a technology platform that enables digital payments for merchants and consumers worldwide.

PYPL · Verdict

Solid reward · moderate risk

PYPL stands out on cash flow and balance sheet, but watch the volatility signal.

Based on 88% data coverage

PYPL · Verdict

What’s working & what to watch

Strengths 4

  • Cash flow84/100

    17% free-cash-flow margin

  • Balance sheet82/100

    Interest covered 15.3×

  • Valuation80/100

    P/E 11.8× · PEG 1.13

  • Profitability76/100

    16% net margin · 25% ROE

Watchouts 1

  • Volatility35/100

    Below average

Model-based scoring. For information only — not financial advice.

What is PayPal Holdings Inc?

operates a technology platform that enables digital payments for merchants and consumers worldwide. The company operates a two-sided network at scale that connects merchants and consumers that enables its customers to connect, transact, and send and receive payments through online and in person, as well as transfer and withdraw funds using various funding sources, such as bank accounts, PayPal or Venmo account balance, consumer credit and debit products, credit and debit cards, and cryptocurrencies, as well as other stored value products, including gift cards and eligible rewards. The company is listed on the NASDAQ in USA, operating in the Financial Services sector, with a market capitalisation of 46.25B, and a P/E ratio of 10.1x.

Financial Highlights

Investment Breakdown

Growth
Moderate growth momentum — positive trajectory without breakout acceleration.
Profitability
Strong margins and consistent earnings support financial stability.
Risk
Risk profile appears balanced versus broad market conditions.
Valuation
Currently trading below intrinsic value estimates, suggesting upside potential.

OpenBook Logo Analysis

Reward: Moderate (61)

The scoring profile indicates moderate reward potential, with valuation and profitability as the leading contributors. Risk indicators are moderate, consistent with typical market exposure.

For informational purposes only. Not financial advice.

Similar stocks to compare

A short list of Credit Services names that are close enough in size to make side-by-side comparison useful.

SYFLarge Cap / 26.4B market cap
Synchrony Financial
Compare
AFRMLarge Cap / 25.8B market cap
Affirm Holdings Inc
Compare
SOFILarge Cap / 23.6B market cap
SoFi Technologies Inc.
Compare
Company Information
SectorFinancial Services
IndustryCredit Services
Market Cap46.25B
P/E Ratio10.1437
Dividend Yield0.91%
Beta1.298
Insider Activity
12M windowBearish
Shares soldShares bought
0-3months
0
0
3-6months
345,304 shares
$2.1M
0
6-9months
342,304 shares
$1.7M
0
9-12months
0
0
14 disclosures without share count
openbook

Stock research for UK and US investors. Make smarter decisions, faster.

Questions? Email us at contact@openbookanalytics.com

© 2026 Openbook Analytics Ltd · Company No. SC843579 · Registered in Scotland

256-bit encryption GDPR compliant UK data centres

Openbook Analytics Ltd (Company No. SC843579) is registered in Scotland. Registered office: Strathclyde Inspire Hub, University of Strathclyde, Graham Hills Building (Level 6), 50 Richmond Street, Glasgow, G1 1XP. Openbook Analytics is not authorised or regulated by the Financial Conduct Authority (FCA). The content on this platform is provided for general informational and educational purposes only and does not constitute financial advice, investment advice, trading advice, or any other form of advice. You should not treat any content on this platform as a recommendation to buy, sell, or hold any financial instrument. Past performance is not a reliable indicator of future results. The value of investments and the income from them can go down as well as up, and you may get back less than you invest. User-generated content, including community posts and commentary, reflects the personal opinions of individual users, is not verified for accuracy, and does not represent the views of Openbook Analytics Ltd. You should always conduct your own research or consult a qualified, FCA-regulated financial adviser before making investment decisions. Data displayed on this platform may be delayed or inaccurate and is provided "as is" without warranty. Openbook Analytics Ltd accepts no liability for any loss arising from reliance on the information provided.