PayPal was spun off from eBay in 2015 and provides electronic payment solutions to merchants and consumers, with a focus on online transactions. The company had 426 million active accounts at the end of 2023. The company also owns Venmo, a person-to-person payment platform.

Financial Strength

6/10

Name	Current	Vs Industry
Cash-To-Debt	1.45
Equity-to-Asset	0.26
Debt-to-Equity	0.46
Debt-to-EBITDA	1.42
Interest Coverage	14.25
Piotroski F-Score	8/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	1.86	Distress Grey Safe
Beneish M-Score	-2.47	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

9/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	14.2
	3-Year EBITDA Growth Rate	4.3
	3-Year EPS without NRI Growth Rate	16.5
	3-Year FCF Growth Rate	-5.5
	3-Year Book Growth Rate	4.7
	Future 3-5Y EPS without NRI Growth Rate	12.47
	Future 3-5Y Total Revenue Growth Rate	6.6

Momentum Rank

	Name	Current	Vs Industry		Vs History
	5-Day RSI	58.15
	9-Day RSI	51.93
	14-Day RSI	53.09
	6-1 Month Momentum %	17.75
	12-1 Month Momentum %	-9.13

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	1.29
	Quick Ratio	1.29
	Cash Ratio	0.29
	Days Sales Outstanding	450.38
	Days Payable	898.17

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	2.9
	Shareholder Yield %	7.03

Profitability Rank

10/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	46.03
	Operating Margin %	16.61
	Net Margin %	14.26
	FCF Margin %	14.17
	ROE %	21.11
	ROA %	5.46
	ROIC %	17.73
	ROC (Joel Greenblatt) %	361.27
	ROCE %	17.3
	Years of Profitability over Past 10-Year	10

GF Value Rank

4/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	16.78
	Forward PE Ratio	12.63
	PE Ratio without NRI	17.76
	Shiller PE Ratio	27.04
	Price-to-Owner-Earnings	26.3
	PEG Ratio	1.22
	PS Ratio	2.39
	PB Ratio	3.28
	Price-to-Tangible-Book	7.28
	Price-to-Free-Cash-Flow	16.73
	Price-to-Operating-Cash-Flow	14.6
	EV-to-EBIT	11.09
	EV-to-Forward-EBIT	10.9
	EV-to-EBITDA	9.35
	EV-to-Forward-EBITDA	9.75
	EV-to-Revenue	2.14
	EV-to-Forward-Revenue	2
	EV-to-FCF	15.03
	Price-to-Projected-FCF	0.85
	Price-to-DCF (Earnings Based)	0.84
	Price-to-DCF (FCF Based)	0.77
	Price-to-Peter-Lynch-Fair-Value	1.37
	Price-to-Graham-Number	2.4
	Price-to-Net-Current-Asset-Value	47.46
	Earnings Yield (Greenblatt) %	9.01
	FCF Yield %	6.18
	Forward Rate of Return (Yacktman) %	19.02

GF Value: $106.22

LIM:PYPL

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