US · PYPL
PayPal Holdings, Inc.
- Sector
- Financial Services · Financial - Credit Services
- Headquarters
- San Jose, CA 95131
- Website
- paypal.com
Price · as of 2025-12-31
$50.44
Market cap 43.24B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $119.15 | +136.22% |
| Intrinsic Value(DCF) | $25.39 | -49.66% |
| Graham-Dodd Method(GD) | $35.04 | -30.52% |
| Graham Formula(GF) | $69.42 | +37.63% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | $5.87 | $9.12 | |||
| 2015 | $39.40 | $49.77 | $10.01 | $12.95 | $22.78 |
| 2016 | $42.89 | $53.65 | $23.18 | $14.59 | $28.46 |
| 2017 | $80.52 | $71.87 | $53.94 | $17.15 | $41.82 |
| 2018 | $95.47 | $85.94 | $120.53 | $16.37 | $44.04 |
| 2019 | $110.63 | $96.47 | $104.42 | $19.56 | $47.08 |
| 2020 | $249.77 | $163.74 | $169.71 | $27.19 | $100.40 |
| 2021 | $96.35 | $98.78 | $170.19 | $26.51 | $90.69 |
| 2022 | $73.26 | $90.18 | $68.20 | $18.34 | $33.88 |
| 2023 | $58.87 | $99.75 | $34.64 | $28.34 | $61.49 |
| 2024 | $70.32 | $115.53 | $9.74 | $29.46 | $58.98 |
| 2025 | $45.63 | $119.15 | $12.02 | $35.04 | $69.42 |
AI valuation
Our deep-learning model estimates PayPal Holdings, Inc.'s (PYPL) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $119.15
- Current price
- $50.44
- AI upside
- +136.22%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$25.39
-49.66% upside
Graham-Dodd
$35.04
-30.52% upside
Graham Formula
$69.42
+37.63% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| PYPL | PayPal Holdings, Inc. | $50.44 | 43.24B | +136% | -50% | -31% | +38% | 8.36 | 2.16 | 1.31 | 5.63 | 23.50 | 4.76 | 47.03% | 19.70% | 15.70% | 25.73% | 27.80% | 6.47% | 0.49 | 14.89 | 1.29 | 1.25 | 0.25 | 3559.00% | 485.00% | -1778.00% | 12.72% | 0.14 | 28.32% | 0.30% | 2.50% | 17.28% | 6.60 | 7.79 | 1.30 | 1.89 |
| DB | Deutsche Bank AG | $35.42 | 67.67B | +222% | -58% | +67% | -97% | 9.47 | 0.83 | 1.08 | -5.79 | 7.54 | 0.92 | 49.95% | 15.96% | 11.39% | 8.86% | -795.07% | 0.49% | 2.98 | 0.34 | 15.91 | 15.91 | 7.13 | 12555.00% | -825.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | -5.79 | — | -0.92 | 0.37 |
| HDB | HDFC Bank Limited | $31.85 | 163.37B | -34% | +356% | -51% | +24% | 25.23 | 2.26 | 4.13 | 16.85 | 954.41 | 3.70 | 52.21% | 20.54% | 16.06% | 9.39% | 12.37% | 1.49% | 0.97 | 0.47 | 0.34 | 0.33 | 4.58 | 264.00% | 1915.00% | 1660.00% | 6.52% | 0.04 | 20.34% | 0.91% | 23.00% | 3.75% | 18.09 | 13.80 | 3.71 | -0.01 |
| LYG | Lloyds Banking Group plc | $5.55 | 81.58B | +524% | +6,233% | -48% | +486% | 14.87 | 1.46 | 0.94 | 13.30 | 185.88 | 1.83 | 29.88% | 10.25% | 7.17% | 9.37% | 7.13% | 0.44% | 2.11 | 0.39 | 0.94 | 0.91 | 4.73 | 800.00% | 7281.00% | -9286.00% | -1.02% | 0.06 | -0.94% | 3.21% | 47.70% | 5.95% | 13.30 | -141.76 | 1.36 | 0.14 |
| MFC | Manulife Financial Corpor… | $35.54 | 59.59B | +184% | -61% | -72% | — | 14.94 | 1.63 | 1.57 | 12.20 | 184.44 | 2.15 | 25.51% | 13.38% | 10.91% | 10.86% | 13.37% | 0.56% | 0.29 | 4.64 | — | — | -0.03 | 810.00% | -82741.00% | 2108.00% | 38.57% | — | 70.79% | 3.97% | 59.30% | 6.89% | 11.69 | 2.59 | 1.56 | 0.22 |
| PNC | The PNC Financial Service… | $212.35 | 85.66B | +10% | -32% | -52% | -88% | 12.25 | 1.39 | 2.69 | 11.87 | 59.04 | 1.84 | 71.66% | 27.08% | 22.13% | 11.99% | 10.11% | 1.22% | 0.94 | 0.78 | 0.81 | 0.80 | 5.87 | 2074.00% | -698.00% | 1995.00% | 11.20% | 0.02 | 13.66% | 3.49% | 42.70% | 5.07% | 12.00 | 10.77 | 3.25 | 0.17 |
| SMFG | Sumitomo Mitsui Financial… | $22.44 | 85.9B | -22% | -73% | +8% | +61% | 7.51 | 0.60 | 0.92 | -18.49 | 28.76 | 0.65 | 48.90% | 17.60% | 12.20% | 8.02% | -2.38% | 0.39% | 3.96 | 0.37 | 0.45 | 0.45 | -8.73 | 2613.00% | 1016.00% | 173379.00% | 52.01% | 0.02 | -9.22% | 4.66% | 35.00% | 7.50% | -21.54 | -7.96 | -3.79 | -0.39 |
| TFC | Truist Financial Corporat… | $49.31 | 63.08B | +17% | -22% | -53% | +177% | 11.83 | 0.96 | 2.06 | 12.37 | 86.43 | 1.34 | 62.21% | 20.86% | 17.44% | 8.24% | 6.20% | 0.98% | 1.07 | 0.63 | 0.87 | 0.87 | 4.74 | 1369.00% | 2550.00% | 0.00% | 3.45% | 0.01 | 2.53% | 4.77% | 56.50% | 10.34% | 13.74 | 40.31 | 2.87 | 0.11 |
| TRV | The Travelers Companies, … | $308.64 | 68.85B | -30% | -30% | -34% | +19% | 11.08 | 2.12 | 1.43 | 8.13 | 39.90 | 2.44 | 44.25% | 15.97% | 12.88% | 20.70% | 27.25% | 4.54% | 0.28 | 18.34 | 0.23 | 0.23 | 0.95 | 2776.00% | 517.00% | -10000.00% | 0.00% | 0.12 | 0.00% | 1.41% | 15.60% | 5.90% | 9.28 | — | 1.48 | 0.84 |
| WFC | Wells Fargo & Company | $81.44 | 255.63B | -20% | -23% | -36% | -44% | 12.29 | 1.45 | 2.13 | 6.91 | 69.48 | 1.68 | 64.80% | 20.40% | 17.27% | 11.86% | 19.51% | 1.05% | 1.07 | 0.63 | 13.79 | 13.79 | 5.24 | 1769.00% | -149.00% | -72606.00% | -7.24% | -1.04 | -17.36% | 2.47% | 30.40% | 9.90% | 8.05 | -10.67 | 1.64 | 0.46 |
About PayPal Holdings, Inc.
PayPal Holdings, Inc. operates a technology platform that enables digital payments on behalf of merchants and consumers worldwide. It provides payment solutions under the PayPal, PayPal Credit, Braintree, Venmo, Xoom, Zettle, Hyperwallet, Honey, and Paidy names. The company's payments platform allows consumers to send and receive payments in approximately 200 markets and in approximately 100 currencies, withdraw funds to their bank accounts in 56 currencies, and hold balances in their PayPal accounts in 25 currencies. PayPal Holdings, Inc. was founded in 1998 and is headquartered in San Jose, California.
- CEO
- Jamie S. Miller
- Employees
- 24.4K
- Beta
- 1.42
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($25.39 ÷ $50.44) − 1 = -49.66% (DCF, example).