PayPal Holdings Inc

$ 117.16 0.99 (0.85%)
Volume: 4,606,490 Avg Vol (1m): 5,831,554
Market Cap $: 137.63 Bil Enterprise Value $: 131.78 Bil
P/E (TTM): 63.30 P/B: 9.18
Earnings Power Value 18.72
Net Current Asset Value 3.17
Tangible Book 6.88
Projected FCF 0
Median P/S Value 80.04
Graham Number 16.92
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
1Y (-%)

Financial Strength : 7/10

GuruFocus Financial Strength Rank measures how strong a company's financial situation is . It is based on these factors
1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.
A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.
Current vs industry vs history
Cash-to-Debt 3.93
Cash-To-Debt ranked lower than
50.33% of 449 companies
in the Credit Services industry.
Industry Max: 10000, Med: 8.43, Min: 0.01
PYPL: 3.93
Ranked among companies with meaningful Cash-To-Debt only.
Cash-To-Debt range over the past 10 years
Min: 1.19, Med: 4.79, Max: 10000
Current: 3.93
1.19
10000
Equity-to-Asset 0.33
Equity-to-Asset ranked lower than
53.03% of 413 companies
in the Credit Services industry.
Industry Max: 1, Med: 0.43, Min: -16.13
PYPL: 0.33
Ranked among companies with meaningful Equity-to-Asset only.
Equity-to-Asset range over the past 10 years
Min: 0.33, Med: 0.42, Max: 0.48
Current: 0.33
0.33
0.48
Debt-to-Equity 0.13
Debt-to-Equity ranked higher than
94.09% of 220 companies
in the Credit Services industry.
Industry Max: 31.78, Med: 1.4, Min: 0.01
PYPL: 0.13
Ranked among companies with meaningful Debt-to-Equity only.
Debt-to-Equity range over the past 10 years
Min: 0.06, Med: 0.13, Max: 0.22
Current: 0.13
0.06
0.22
Debt-to-EBITDA 0.57
Debt-to-EBITDA ranked higher than
92.93% of 283 companies
in the Credit Services industry.
Industry Max: 489.17, Med: 6.7, Min: 0.03
PYPL: 0.57
Ranked among companies with meaningful Debt-to-EBITDA only.
Debt-to-EBITDA range over the past 10 years
Min: 0.33, Med: 0.62, Max: 1.04
Current: 0.57
0.33
1.04
Interest Coverage 37.61
Interest Coverage ranked higher than
83.83% of 402 companies
in the Credit Services industry.
Industry Max: 10000, Med: 7.5, Min: 0.01
PYPL: 37.61
Ranked among companies with meaningful Interest Coverage only.
Interest Coverage range over the past 10 years
Min: 32.51, Med: 5264.34, Max: 10000
Current: 37.61
32.51
10000
Piotroski F-Score 5
0
1
2
3
4
5
6
7
8
9
Altman Z-Score 3.52
DISTRESS
GREY
SAFE
Beneish M-Score -2.57
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC 21.58%
WACC 7.79%

Profitability & Growth : 7/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Operating Margin % 15.14
Operating Margin ranked lower than
55.94% of 438 companies
in the Credit Services industry.
Industry Max: 349450, Med: 19.77, Min: -7041.41
PYPL: 15.14
Ranked among companies with meaningful Operating Margin only.
Operating Margin range over the past 10 years
Min: 14.63, Med: 16.2, Max: 17.25
Current: 15.14
14.63
17.25
Net Margin % 13.92
Net Margin ranked higher than
51.14% of 438 companies
in the Credit Services industry.
Industry Max: 349450, Med: 13.22, Min: -11643.24
PYPL: 13.92
Ranked among companies with meaningful Net Margin only.
Net Margin range over the past 10 years
Min: 5.22, Med: 13.31, Max: 14.2
Current: 13.92
5.22
14.2
ROE % 14.69
ROE ranked higher than
66.28% of 436 companies
in the Credit Services industry.
Industry Max: 190103.22, Med: 6.88, Min: -6112.96
PYPL: 14.69
Ranked among companies with meaningful ROE only.
ROE range over the past 10 years
Min: 5.36, Med: 11.43, Max: 25.85
Current: 14.69
5.36
25.85
ROA % 5.09
ROA ranked higher than
70.86% of 453 companies
in the Credit Services industry.
Industry Max: 185.91, Med: 2.32, Min: -914.31
PYPL: 5.09
Ranked among companies with meaningful ROA only.
ROA range over the past 10 years
Min: 2.04, Med: 4.85, Max: 9.97
Current: 5.09
2.04
9.97
ROC (Joel Greenblatt) % 164.08
ROC (Joel Greenblatt) ranked higher than
69.13% of 366 companies
in the Credit Services industry.
Industry Max: 24326.53, Med: 13.96, Min: -25896.1
PYPL: 164.08
Ranked among companies with meaningful ROC (Joel Greenblatt) only.
ROC (Joel Greenblatt) range over the past 10 years
Min: 115.64, Med: 144.56, Max: 254.31
Current: 164.08
115.64
254.31
3-Year Total Revenue Growth Rate 18.70
3-Year Revenue Growth Rate ranked higher than
69.10% of 356 companies
in the Credit Services industry.
Industry Max: 1159, Med: 6.6, Min: -100
PYPL: 19.5
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
3-Year Revenue Growth Rate range over the past 10 years
Min: 17.6, Med: 17.8, Max: 19.5
Current: 19.5
17.6
19.5
3-Year Total EBITDA Growth Rate 15.10
3-Year EBITDA Growth Rate ranked higher than
65.92% of 314 companies
in the Credit Services industry.
Industry Max: 397.7, Med: 7.1, Min: -162.8
PYPL: 15.9
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
3-Year EBITDA Growth Rate range over the past 10 years
Min: 15.5, Med: 17.1, Max: 19.2
Current: 15.9
15.5
19.2
3-Year EPS w/o NRI Growth Rate 19.60
3-Year EPS w/o NRI Growth Rate ranked higher than
88.33% of 300 companies
in the Credit Services industry.
Industry Max: 1125.7, Med: 8, Min: -132.1
PYPL: 19.6
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: 0, Med: 16.7, Max: 62.9
Current: 19.6
0
62.9

» PYPL's 30-Y Financials

Financials (Next Earnings Date: 2019-07-25)

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Business Description

Industry Credit Services » Credit Services    NAICS : 522390    SIC : 7389
Compare NYSE:AXP NYSE:COF NYSE:DFS NYSE:SYF TSE:8591 NYSE:TSS BOM:500034 NYSE:ADS NYSE:WU XPAR:EDEN COL:CINS.X0000 TSE:8572 NAS:CACC TSE:8593 NSE:SRTRANSFIN TSE:8570 BOM:533519 NAS:SLM SHSE:600901 TPE:5871
Traded in other countries 2PP.Germany 0R9U.UK
Address 2211 North First Street, San Jose, CA, USA, 95131
PayPal provides electronic payment solutions to merchants and consumers. The company's digital wallet securely and conveniently stores customer account data. PayPal also facilitates payment processing for merchants. The company earns revenue through transaction fees and by providing a variety of other financial services, including lending.

Ratios

Current vs industry vs history
PE Ratio (TTM) 63.31
PE Ratio ranked lower than
82.80% of 343 companies
in the Credit Services industry.
Industry Max: 12291.33, Med: 16.14, Min: 0.03
PYPL: 63.31
Ranked among companies with meaningful PE Ratio only.
PE Ratio range over the past 10 years
Min: 31.32, Med: 47.18, Max: 63.38
Current: 63.31
31.32
63.38
Forward PE Ratio 39.22
Forward P/E ranked lower than
96.88% of 64 companies
in the Credit Services industry.
Industry Max: 56.5, Med: 12.5, Min: 0.06
PYPL: 39.22
Ranked among companies with meaningful Forward P/E only.
N/A
PE Ratio without NRI 63.31
PE without NRI ranked lower than
83.78% of 339 companies
in the Credit Services industry.
Industry Max: 12291.33, Med: 16.11, Min: 0.03
PYPL: 63.31
Ranked among companies with meaningful PE without NRI only.
PE without NRI range over the past 10 years
Min: 31.32, Med: 47.11, Max: 63.38
Current: 63.31
31.32
63.38
Price-to-Owner-Earnings 32.42
Price-to-Owner-Earnings ranked lower than
100.00% of 102 companies
in the Credit Services industry.
Industry Max: 1561.11, Med: 14.62, Min: 0.35
PYPL: 32.42
Ranked among companies with meaningful Price-to-Owner-Earnings only.
Price-to-Owner-Earnings range over the past 10 years
Min: 26.46, Med: 38.51, Max: 71.14
Current: 32.42
26.46
71.14
PB Ratio 9.18
PB Ratio ranked lower than
91.63% of 418 companies
in the Credit Services industry.
Industry Max: 2284.63, Med: 1.19, Min: 0.04
PYPL: 9.18
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 2.82, Med: 4.68, Max: 9.2
Current: 9.18
2.82
9.2
PS Ratio 8.82
PS Ratio ranked lower than
75.12% of 414 companies
in the Credit Services industry.
Industry Max: 1151.59, Med: 3.46, Min: 0.01
PYPL: 8.82
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 4.2, Med: 6.02, Max: 8.83
Current: 8.82
4.2
8.83
Price-to-Free-Cash-Flow 23.38
Price-to-Free-Cash-Flow ranked lower than
88.46% of 104 companies
in the Credit Services industry.
Industry Max: 1671.38, Med: 8.52, Min: 0.45
PYPL: 23.38
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
Price-to-Free-Cash-Flow range over the past 10 years
Min: 18.9, Med: 23.36, Max: 136.03
Current: 23.38
18.9
136.03
Price-to-Operating-Cash-Flow 20.44
Price-to-Operating-Cash-Flow ranked lower than
83.46% of 127 companies
in the Credit Services industry.
Industry Max: 2660, Med: 7.24, Min: 0.45
PYPL: 20.44
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 14.89, Med: 18.8, Max: 210.32
Current: 20.44
14.89
210.32
EV-to-EBIT 49.03
EV-to-EBIT ranked lower than
80.97% of 352 companies
in the Credit Services industry.
Industry Max: 57054.38, Med: 16.26, Min: 0.08
PYPL: 49.03
Ranked among companies with meaningful EV-to-EBIT only.
EV-to-EBIT range over the past 10 years
Min: 23.7, Med: 34.65, Max: 49.2
Current: 49.03
23.7
49.2
EV-to-EBITDA 37.56
EV-to-EBITDA ranked lower than
75.68% of 366 companies
in the Credit Services industry.
Industry Max: 57054.38, Med: 14.65, Min: 0.08
PYPL: 37.56
Ranked among companies with meaningful EV-to-EBITDA only.
EV-to-EBITDA range over the past 10 years
Min: 16.9, Med: 25.6, Max: 37.7
Current: 37.56
16.9
37.7
EV-to-Revenue 8.30
EV-to-Revenue ranked lower than
62.59% of 425 companies
in the Credit Services industry.
Industry Max: 95879.51, Med: 5.35, Min: 0.03
PYPL: 8.3
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: 3.8, Med: 5.6, Max: 8.3
Current: 8.3
3.8
8.3
PEG Ratio 3.69
PEG Ratio ranked lower than
100.00% of 133 companies
in the Credit Services industry.
Industry Max: 257.2, Med: 0.97, Min: 0.01
PYPL: 3.69
Ranked among companies with meaningful PEG Ratio only.
PEG Ratio range over the past 10 years
Min: 0, Med: 0, Max: 3.78
Current: 3.69
0
3.78
Current Ratio 1.22
Current Ratio ranked lower than
69.72% of 218 companies
in the Credit Services industry.
Industry Max: 2247.35, Med: 2.4, Min: 0.01
PYPL: 1.22
Ranked among companies with meaningful Current Ratio only.
Current Ratio range over the past 10 years
Min: 1.22, Med: 1.43, Max: 1.57
Current: 1.22
1.22
1.57
Quick Ratio 1.22
Quick Ratio ranked lower than
68.81% of 218 companies
in the Credit Services industry.
Industry Max: 2247.35, Med: 2.4, Min: 0.01
PYPL: 1.22
Ranked among companies with meaningful Quick Ratio only.
Quick Ratio range over the past 10 years
Min: 1.22, Med: 1.43, Max: 1.57
Current: 1.22
1.22
1.57
Days Sales Outstanding 531.56
Days Sales Outstanding ranked higher than
61.01% of 218 companies
in the Credit Services industry.
Industry Max: 928.93, Med: 19.27, Min: 0.03
PYPL: 531.56
Ranked among companies with meaningful Days Sales Outstanding only.
Days Sales Outstanding range over the past 10 years
Min: 481.32, Med: 490.03, Max: 531.56
Current: 531.56
481.32
531.56
Days Payable 1.00
Days Payable ranked lower than
100.00% of 64 companies
in the Credit Services industry.
Industry Max: 930.92, Med: 39.69, Min: 0.24
PYPL: 1
Ranked among companies with meaningful Days Payable only.
Days Payable range over the past 10 years
Min: 1, Med: 1014.14, Max: 1074.42
Current: 1
1
1074.42

Dividend & Buy Back

Current vs industry vs history
3-Year Share Buyback Rate 1.40
3-Year Share Buyback Rate ranked higher than
80.93% of 194 companies
in the Credit Services industry.
Industry Max: 26, Med: -3.7, Min: -404.3
PYPL: 1.4
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
3-Year Share Buyback Rate range over the past 10 years
Min: 0.1, Med: 0.65, Max: 1.4
Current: 1.4
0.1
1.4

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 17.03
Price-to-Tangible-Book ranked lower than
93.15% of 409 companies
in the Credit Services industry.
Industry Max: 2322.04, Med: 1.26, Min: 0.04
PYPL: 17.03
Ranked among companies with meaningful Price-to-Tangible-Book only.
Price-to-Tangible-Book range over the past 10 years
Min: 3.94, Med: 5.98, Max: 17.05
Current: 17.03
3.94
17.05
Price-to-Median-PS-Value 1.46
Price-to-Median-PS-Value ranked lower than
79.78% of 366 companies
in the Credit Services industry.
Industry Max: 31, Med: 1, Min: 0.01
PYPL: 1.46
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.71, Med: 0.92, Max: 1.47
Current: 1.46
0.71
1.47
Price-to-Graham-Number 6.92
Price-to-Graham-Number ranked lower than
92.46% of 199 companies
in the Credit Services industry.
Industry Max: 1124.21, Med: 1.07, Min: 0.02
PYPL: 6.92
Ranked among companies with meaningful Price-to-Graham-Number only.
Price-to-Graham-Number range over the past 10 years
Min: 2.55, Med: 3.38, Max: 6.93
Current: 6.92
2.55
6.93
Earnings Yield (Joel Greenblatt) % 2.06
Earnings Yield (Greenblatt) ranked lower than
62.78% of 454 companies
in the Credit Services industry.
Industry Max: 1250, Med: 4.38, Min: -434.78
PYPL: 2.06
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
Earnings Yield (Greenblatt) range over the past 10 years
Min: 2, Med: 2.9, Max: 4.2
Current: 2.06
2
4.2

More Statistics

Revenue (TTM) (Mil) $ 15,894
EPS (TTM) $ 1.85
Beta 0.95
Volatility % 20.41
52-Week Range $ 74.66 - 117.45
Shares Outstanding (Mil) 1,174.93

Analyst Estimate

Piotroski F-Score Details

Piotroski F-Score 5
Positive ROA Y
Positive CFROA Y
Higher ROA yoy N
CFROA > ROA Y
Lower Leverage yoy Y
Higher Current Ratio yoy N
Less Shares Outstanding yoy Y
Higher Gross Margin yoy N
Higher Asset Turnover yoy N