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Also traded in: Austria, Germany, Mexico, Switzerland, UK

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.

Financial Strength : 7/10

vs
industry
vs
history
Cash-to-Debt 4.79
PYPL's Cash-to-Debt is ranked higher than
50% of the 449 Companies
in the Global Credit Services industry.

( Industry Median: 8.43 vs. PYPL: 4.79 )
Ranked among companies with meaningful Cash-to-Debt only.
PYPL' s Cash-to-Debt Range Over the Past 10 Years
Min: 1.19  Med: 5.7 Max: No Debt
Current: 4.79
1.19
No Debt
Equity-to-Asset 0.35
PYPL's Equity-to-Asset is ranked lower than
53% of the 413 Companies
in the Global Credit Services industry.

( Industry Median: 0.43 vs. PYPL: 0.35 )
Ranked among companies with meaningful Equity-to-Asset only.
PYPL' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.35  Med: 0.43 Max: 0.48
Current: 0.35
0.35
0.48
Debt-to-Equity 0.13
PYPL's Debt-to-Equity is ranked higher than
94% of the 220 Companies
in the Global Credit Services industry.

( Industry Median: 1.40 vs. PYPL: 0.13 )
Ranked among companies with meaningful Debt-to-Equity only.
PYPL' s 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 0.55
PYPL's Debt-to-EBITDA is ranked higher than
93% of the 283 Companies
in the Global Credit Services industry.

( Industry Median: 6.70 vs. PYPL: 0.55 )
Ranked among companies with meaningful Debt-to-EBITDA only.
PYPL' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.33  Med: 0.61 Max: 1.04
Current: 0.55
0.33
1.04
Interest Coverage 128.55
PYPL's Interest Coverage is ranked higher than
84% of the 402 Companies
in the Global Credit Services industry.

( Industry Median: 7.50 vs. PYPL: 128.55 )
Ranked among companies with meaningful Interest Coverage only.
PYPL' s Interest Coverage Range Over the Past 10 Years
Min: 128.55  Med: No Debt Max: No Debt
Current: 128.55
128.55
No Debt
Piotroski F-Score: 7
Altman Z-Score: 2.99
Beneish M-Score: -2.38
WACC vs ROIC
8.09%
21.98%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating Margin % 18.89
PYPL's Operating Margin % is ranked lower than
56% of the 438 Companies
in the Global Credit Services industry.

( Industry Median: 19.77 vs. PYPL: 18.89 )
Ranked among companies with meaningful Operating Margin % only.
PYPL' s Operating Margin % Range Over the Past 10 Years
Min: 14.63  Med: 16.05 Max: 18.89
Current: 18.89
14.63
18.89
Net Margin % 13.98
PYPL's Net Margin % is ranked higher than
51% of the 438 Companies
in the Global Credit Services industry.

( Industry Median: 13.22 vs. PYPL: 13.98 )
Ranked among companies with meaningful Net Margin % only.
PYPL' s Net Margin % Range Over the Past 10 Years
Min: 5.22  Med: 13.5 Max: 14.2
Current: 13.98
5.22
14.2
ROE % 13.73
PYPL's ROE % is ranked higher than
66% of the 436 Companies
in the Global Credit Services industry.

( Industry Median: 6.88 vs. PYPL: 13.73 )
Ranked among companies with meaningful ROE % only.
PYPL' s ROE % Range Over the Past 10 Years
Min: 5.36  Med: 11.16 Max: 25.85
Current: 13.73
5.36
25.85
ROA % 5.07
PYPL's ROA % is ranked higher than
71% of the 453 Companies
in the Global Credit Services industry.

( Industry Median: 2.32 vs. PYPL: 5.07 )
Ranked among companies with meaningful ROA % only.
PYPL' s ROA % Range Over the Past 10 Years
Min: 2.04  Med: 4.83 Max: 9.97
Current: 5.07
2.04
9.97
ROC (Joel Greenblatt) % 183.89
PYPL's ROC (Joel Greenblatt) % is ranked higher than
69% of the 366 Companies
in the Global Credit Services industry.

( Industry Median: 13.96 vs. PYPL: 183.89 )
Ranked among companies with meaningful ROC (Joel Greenblatt) % only.
PYPL' s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 112.24  Med: 142.47 Max: 254.31
Current: 183.89
112.24
254.31
3-Year Revenue Growth Rate 17.80
PYPL's 3-Year Revenue Growth Rate is ranked higher than
69% of the 356 Companies
in the Global Credit Services industry.

( Industry Median: 6.60 vs. PYPL: 17.80 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
PYPL' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 17.6  Med: 17.8 Max: 17.8
Current: 17.8
17.6
17.8
3-Year EBITDA Growth Rate 19.80
PYPL's 3-Year EBITDA Growth Rate is ranked higher than
66% of the 314 Companies
in the Global Credit Services industry.

( Industry Median: 7.10 vs. PYPL: 19.80 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
PYPL' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 14.7  Med: 18.3 Max: 19.8
Current: 19.8
14.7
19.8
3-Year EPS without NRI Growth Rate 62.90
PYPL's 3-Year EPS without NRI Growth Rate is ranked higher than
88% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 8.00 vs. PYPL: 62.90 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
PYPL' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 13.8 Max: 62.9
Current: 62.9
0
62.9
GuruFocus has detected 3 Warning Signs with PayPal Holdings Inc PYPL.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» PYPL's 30-Y Financials

Financials (Next Earnings Date: 2019-01-26 Est.)


Revenue & Net Income
Cash & Debt
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q4 2017

PYPL Guru Trades in Q4 2017

Jeremy Grantham 180,178 sh (New)
Spiros Segalas 5,552,725 sh (New)
Julian Robertson 169,710 sh (New)
Steve Mandel 9,488,228 sh (+41.34%)
Steven Cohen 1,400,178 sh (+170.51%)
Mario Cibelli 260,000 sh (+1.96%)
Chuck Royce 6,400 sh (unchged)
George Soros Sold Out
Caxton Associates Sold Out
Ken Fisher 423,684 sh (-11.12%)
Dodge & Cox 94,700 sh (-6.26%)
Murray Stahl 94,584 sh (-2.69%)
NWQ Managers 469,823 sh (-31.74%)
Carl Icahn 8,000,000 sh (-20.00%)
PRIMECAP Management 4,519,840 sh (-0.42%)
Lee Ainslie 21,450 sh (-87.18%)
David Carlson 330,000 sh (-28.26%)
Paul Tudor Jones 19,851 sh (-92.65%)
Stanley Druckenmiller 465,100 sh (-49.73%)
Pioneer Investments 3,420,531 sh (-29.86%)
Mario Gabelli 485,220 sh (-2.79%)
Leon Cooperman 499,600 sh (-44.05%)
David Rolfe 1,057,067 sh (-61.17%)
Smead Capital Management, Inc. 999,465 sh (-4.64%)
Philippe Laffont 5,157,829 sh (-0.42%)
» More
Q1 2018

PYPL Guru Trades in Q1 2018

George Soros 85,800 sh (New)
David Einhorn 67,000 sh (New)
Caxton Associates 110,000 sh (New)
Ken Fisher 555,976 sh (+31.22%)
Steve Mandel 10,659,734 sh (+12.35%)
Spiros Segalas 6,080,515 sh (+9.51%)
Steven Cohen 2,059,948 sh (+47.12%)
Julian Robertson 331,810 sh (+95.52%)
David Rolfe 1,174,884 sh (+11.15%)
Chuck Royce 6,400 sh (unchged)
Steven Cohen 465,000 sh (unchged)
Julian Robertson 40,000 sh (unchged)
NWQ Managers Sold Out
Carl Icahn Sold Out
Lee Ainslie Sold Out
Jeremy Grantham Sold Out
David Carlson Sold Out
Stanley Druckenmiller Sold Out
Dodge & Cox 62,285 sh (-34.23%)
Murray Stahl 94,531 sh (-0.06%)
PRIMECAP Management 4,016,640 sh (-11.13%)
Paul Tudor Jones 12,848 sh (-35.28%)
Pioneer Investments 3,101,487 sh (-9.33%)
Mario Gabelli 436,460 sh (-10.05%)
Leon Cooperman 483,200 sh (-3.28%)
Mario Cibelli 230,000 sh (-11.54%)
Smead Capital Management, Inc. 561,612 sh (-43.81%)
Philippe Laffont 4,091,076 sh (-20.68%)
» More
Q2 2018

PYPL Guru Trades in Q2 2018

Daniel Loeb 10,000,000 sh (New)
First Pacific Advisors 4,700 sh (New)
Ken Fisher 581,461 sh (+4.58%)
Spiros Segalas 6,206,122 sh (+2.07%)
Paul Tudor Jones 28,392 sh (+120.98%)
Pioneer Investments 4,255,801 sh (+37.22%)
Philippe Laffont 6,404,849 sh (+56.56%)
Chuck Royce 6,400 sh (unchged)
Mario Cibelli 230,000 sh (unchged)
George Soros Sold Out
David Einhorn Sold Out
Dodge & Cox 57,000 sh (-8.49%)
Murray Stahl 94,070 sh (-0.49%)
Steve Mandel 6,320,681 sh (-40.71%)
PRIMECAP Management 3,990,840 sh (-0.64%)
Steven Cohen 1,270,875 sh (-38.31%)
Caxton Associates 70,000 sh (-36.36%)
Julian Robertson 278,990 sh (-15.92%)
Mario Gabelli 405,565 sh (-7.08%)
Leon Cooperman 477,300 sh (-1.22%)
David Rolfe 1,036,239 sh (-11.80%)
Smead Capital Management, Inc. 551,672 sh (-1.77%)
» More
Q3 2018

PYPL Guru Trades in Q3 2018

Louis Moore Bacon 175,000 sh (New)
Stanley Druckenmiller 727,500 sh (New)
Ken Fisher 593,385 sh (+2.05%)
Mario Gabelli 416,935 sh (+2.80%)
Paul Tudor Jones 75,873 sh (+167.23%)
Chuck Royce 6,400 sh (unchged)
First Pacific Advisors 4,700 sh (unchged)
Leon Cooperman Sold Out
Spiros Segalas 5,814,556 sh (-6.31%)
Smead Capital Management, Inc. 360,296 sh (-34.69%)
Daniel Loeb 9,050,000 sh (-9.50%)
PRIMECAP Management 3,968,340 sh (-0.56%)
Mario Cibelli 227,500 sh (-1.09%)
Philippe Laffont 5,958,583 sh (-6.97%)
Pioneer Investments 4,073,262 sh (-4.29%)
Julian Robertson 258,090 sh (-7.49%)
Murray Stahl 88,952 sh (-5.44%)
David Rolfe 942,628 sh (-9.03%)
Steve Mandel 5,962,509 sh (-5.67%)
Steven Cohen 388,200 sh (-69.45%)
Caxton Associates 31,688 sh (-54.73%)
Dodge & Cox 53,475 sh (-6.18%)
» More
» Details

Insider Trades

Latest Guru Trades with PYPL

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

Guru Date Action
Impact Price Range
(Average)*
Change from Average Comment Current Shares
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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 » details
Traded in other countries:PYPL.Austria, 2PP.Germany, PYPL.Mexico, PYPL.Switzerland, 0R9U.UK,
Headquarter Location:USA
PayPal Holdings Inc is a technology platform company that enables digital and mobile payments on behalf of consumers and merchants. The company's payments platform includes PayPal, PayPal Credit, Venmo, Xoom and Braintree products.

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.

Guru Investment Theses on PayPal Holdings Inc

Dan Loeb Comments on PayPal - Jul 23, 2018

During the Second Quarter, we initiated a long position in PayPal (NASDAQ:PYPL), a $100 billion market cap online payments company that processes ~20‐30% of all ecommerce transaction volume globally (ex‐China), led by the excellent CEO Dan Schulman. With 237 million active accounts and 19 million merchants using the iconic PayPal checkout button online, PayPal enjoys a dominant competitive position with a 10x scale advantage relative to peers. Consumers love PayPal because it enables hassle‐free, one‐touch checkout across millions of online merchants; merchants love PayPal because it drives higher sales, with a checkout conversion rate of 89% – almost 2x that of credit/debit cards. We see parallels between PayPal and other best‐in‐class internet platforms like Netflix and Amazon: high and rising market share, untapped pricing power, and significant margin expansion potential. PayPal is in the process of evolving from a pure‐play “checkout button” to a broader commerce solutions platform, expanding into adjacent verticals (e.g. in‐store payments, B2B) organically and through M&A. We forecast above‐consensus EPS growth driving shares to $125 within 18 months, for ~50% upside.

In the near term, we see three large incremental revenue opportunities for PayPal: (1) Venmo monetization, (2) dynamic pricing, and (3) offline payments. PayPal is just starting to monetize Venmo, a P2P (Peer to Peer) platform that has grown 25x in four years, and now accounts for ~10% of PayPal’s transaction volume. PayPal launched a “Pay with Venmo” button in early 2018 for commercial transactions, as well as a new Venmo‐branded debit card that consumers can use to fund commercial transactions both online and offline. We think Venmo can contribute $1 billion in incremental annual revenue for PayPal within three years. Second, PayPal is just scratching the surface on pricing power: the company recently shifted away from a “one‐size‐fits‐all” approach in merchant contracts to a dynamic pricing model that reflects the value‐add of a growing suite of products. Finally, in May 2018, PayPal announced the $2 billion acquisition of iZettle, a fast‐growing provider of mobile POS systems for offline merchants in Europe and LatAm. We expect iZettle’s growth to accelerate as PayPal cross‐sells iZettle into its existing network of 19 million merchants. This deal takes PayPal from the world of online commerce ($3 trillion in global addressable spend) to that of offline commerce ( $21 trillion in global addressable spend). We believe PayPal has multiple top‐line drivers in the years ahead, with core online volume growing in the mid‐ 20% range, latent untapped pricing power with merchants, Venmo on the cusp of monetization, and the potential to gain scale in the vast offline payments market.

In addition to faster revenue growth, we also expect more cost discipline from management. Despite revenue scale approaching that of peers, PayPal’s 25% operating margin on net revenues (after transaction costs) is ~20‐40 points lower than that of large‐cap payments peers (e.g. Visa, Mastercard, WorldPay). Margins are an area where PayPal management has a clear opportunity to deliver, even as the company invests for the future. We think there are opportunities for expense reduction in IT (PayPal just completed a company‐wide tech infrastructure overhaul), customer service (half of the company’s 18,000 employees work in customer service, a function that can increasingly leverage automation), and credit servicing and collections (PayPal can reduce overhead in its consumer credit business, which was recently sold to Synchrony Financial). Moreover, PayPal’s changing relationship with eBay presents opportunities on both costs and revenues. PayPal can cut substantial costs associated with its legacy eBay contract while capturing incremental revenue by signing new contracts with eBay’s faster‐growing competitors (PayPal’s ability to work with eBay’s competitors was restricted under the terms of the legacy eBay contract, which is set to expire in 2020).

PayPal is covered primarily by financial services analysts and currently trades at 37x 2018 and 31x 2019 “street” estimates which makes it appear expensive to certain investors. However, we believe that PayPal is as much a fast‐growing internet company as a consumer financial services company and that a premium multiple is warranted – particularly given the company’s sizable net cash position. Looking forward, our analysis suggests PayPal trades at just 18x 2020E EPS, excluding net cash. Given PayPal’s multi‐year revenue growth path, margin expansion opportunity, and opportunistic acquisition strategy, we expect upward earnings revisions and P/E multiple expansion as management delivers. PayPal was started in 1999 but is only three years into its life as a standalone public company. Management’s new strategy – embracing partnerships with banks and networks, expanding the suite of services offered to merchants, and deploying the balance sheet through M&A and buybacks – make PayPal a very “new” company for most investors and one that is not yet well‐understood.

From Daniel Loeb (Trades, Portfolio)'s 2nd quarter 2018 Third Point shareholder letter.

Check out Daniel Loeb latest stock trades

David Rolfe Comments on PayPal Holdings - Oct 16, 2017

PayPal Holdings (NASDAQ:PYPL) was a top contributor to relative performance during the third quarter. The Company’s constant currency revenue growth, operating earnings and earnings per share continue to grow at high-teens rates as their core payment services gain relevance with a growing base of more than 15 million merchants and over 200 million users. We think PayPal’s large-scale, two-sided platform is a unique value proposition to the payments industry where competitors typically focus on either merchants or customers, but rarely integrate both at scale. PayPal’s traction with users and merchants proliferated during its decade-and-a-half tenure under the eBay umbrella, concomitant to the rise of the e-commerce sales channel. The core value proposition of PayPal – then and now – is its ability to offer a turn-key payments platform that includes payment acceptance, processing, fraud detection, and an increasing array of financial services traditionally offered by banks, to merchants of any size, particularly small and mid-sized merchants.

Although we consider PayPal to be in competition with traditional banks, the nature of their competition is a rare partnership, where both create value beyond what either could achieve by themselves. Of course, if they both fail to create value, then their competitive dynamic will turn into winner-take-all, but we think PayPal is in the very early stages of adding substantial value to banks, via their recently signed partnership agreements with Visa and MasterCard. For years, traditional banks have been trying in vain to construct widely accepted mobile payment platforms, beyond what Visa and MasterCard offer, while PayPal has succeeded through its one-click checkout on mobile, Braintree mobile payment solutions, and more recently Venmo P2P money transfer application (among others). In exchange for capturing some of the economics from this mobile volume, banks have become a new source of distribution for PayPal, both on the user and merchant end.

In addition, PayPal has a disciplined value chain that is focused on procuring the natural operating leverage inherent to payments and prudently reinvesting it into large and growing addressable markets. We think PayPal is capable of further leveraging its fixed cost base as the aforementioned partnerships will reduce customer acquisition and support costs.

Over the next few years, we expect PayPal to monetize their credit receivables portfolio, which should free up a substantial amount of capital for reinvestment. Also, we think the Company will begin to specify their strategy around their exclusivity agreement with eBay, which expires in a few years. We believe a substantial portion PayPal’s small and mid-sized merchants will continue to do business via the eBay marketplace. Considering that PayPal’s most valuable offerings are to its small and mid-sized customers; we would expect the Company to take the appropriate measures to maintain these lucrative relationships.

While PayPal sports one of the richest earnings multiples in the portfolio, we think the Company has a multi-year potential for double-digit revenue and profit growth, which is rare for a business of PayPal’s size. If they continue to execute on this growth strategy, leveraging their unique, dual -sided platform in addition to optimizing their capital structure and maintaining their relationship with small and mid-sized merchants, we think the Company will continue to be a core holding for many years.



From David Rolfe (Trades, Portfolio)'s Wedgewood Partners 3rd quarter shareholder letter.

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Top Ranked Articles about PayPal Holdings Inc

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Stanley Druckenmiller Sells Facebook, Buys PayPal in 3rd Quarter Tech enthusiast also ditches Netflix, Alibaba
One of the world’s best investors, Stanley Druckenmiller (Trades, Portfolio), disclosed his third-quarter investment action this week, incorporating 18 stocks into his portfolio of 40 positions. Read more...
Dan Loeb Joins George Soros, David Einhorn Stocking Up on PayPal Loeb sees 50% upside
Activist investor Daniel Loeb purchased a stake in financial services provider PayPal Holdings Inc. (NASDAQ:PYPL), he disclosed Monday, which puts him in a swarm of prominent investors who found the stock attractive this year. Read more...
Dan Loeb Comments on PayPal Guru stock highlight
During the Second Quarter, we initiated a long position in PayPal (NASDAQ:PYPL), a $100 billion market cap online payments company that processes ~20‐30% of all ecommerce transaction volume globally (ex‐China), led by the excellent CEO Dan Schulman. With 237 million active accounts and 19 million merchants using the iconic PayPal checkout button online, PayPal enjoys a dominant competitive position with a 10x scale advantage relative to peers. Consumers love PayPal because it enables hassle‐free, one‐touch checkout across millions of online merchants; merchants love PayPal because it drives higher sales, with a checkout conversion rate of 89% – almost 2x that of credit/debit cards. We see parallels between PayPal and other best‐in‐class internet platforms like Netflix and Amazon: high and rising market share, untapped pricing power, and significant margin expansion potential. PayPal is in the process of evolving from a pure‐play “checkout button” to a broader commerce solutions platform, expanding into adjacent verticals (e.g. in‐store payments, B2B) organically and through M&A. We forecast above‐consensus Read more...
Pomerantz LLP and the Rosen Law Firm Announce the Pendency of a Class Action Against PayPal Holdings, Inc. and Certain Officers – PYPL
Pomerantz LLP and the Rosen Law Firm Announce the Pendency of a Class Action Against PayPal Holdings, Inc. and Certain Officers – PYPL
PYPL LOSS ALERT: Rosen Law Firm Reminds PayPal Holdings, Inc. Investors of Important February 5 Deadline in Class Action - PYPL
FINAL DEADLINE ALERT: Brower Piven Reminds Shareholders Of Approaching Deadline In Class Action Lawsuit And Encourages Investors Who Have Losses In Excess Of $100,000 From Investment In PayPal Holdings, Inc. (Nasdaq: PYPL) To Contact The Firm
PYPL SHAREHOLDER ALERT: The Law Offices of Vincent Wong Reminds Investors of Commencement of a Class Action Involving PayPal Holdings, Inc. and a Lead Plaintiff Deadline of February 5, 2018
INVESTOR ALERT: Levi & Korsinsky, LLP Reminds Shareholders of PayPal Holdings, Inc. of a Class Action Lawsuit and a Lead Plaintiff Deadline of February 5, 2018 – PYPL

Ratios

vs
industry
vs
history
PE Ratio 49.44
PYPL's PE Ratio is ranked lower than
83% of the 343 Companies
in the Global Credit Services industry.

( Industry Median: 16.14 vs. PYPL: 49.44 )
Ranked among companies with meaningful PE Ratio only.
PYPL' s PE Ratio Range Over the Past 10 Years
Min: 31.6  Med: 46.75 Max: 60.91
Current: 49.44
31.6
60.91
Forward PE Ratio 29.24
PYPL's Forward PE Ratio is ranked lower than
97% of the 64 Companies
in the Global Credit Services industry.

( Industry Median: 12.50 vs. PYPL: 29.24 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 49.44
PYPL's PE Ratio without NRI is ranked lower than
84% of the 339 Companies
in the Global Credit Services industry.

( Industry Median: 16.11 vs. PYPL: 49.44 )
Ranked among companies with meaningful PE Ratio without NRI only.
PYPL' s PE Ratio without NRI Range Over the Past 10 Years
Min: 31.6  Med: 46.64 Max: 60.91
Current: 49.44
31.6
60.91
Price-to-Owner-Earnings 67.01
PYPL's Price-to-Owner-Earnings is ranked lower than
99.99% of the 102 Companies
in the Global Credit Services industry.

( Industry Median: 14.62 vs. PYPL: 67.01 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
PYPL' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 61.09  Med: 66.55 Max: 71.14
Current: 67.01
61.09
71.14
PB Ratio 6.66
PYPL's PB Ratio is ranked lower than
92% of the 418 Companies
in the Global Credit Services industry.

( Industry Median: 1.19 vs. PYPL: 6.66 )
Ranked among companies with meaningful PB Ratio only.
PYPL' s PB Ratio Range Over the Past 10 Years
Min: 2.82  Med: 3.9 Max: 7.28
Current: 6.66
2.82
7.28
PS Ratio 6.93
PYPL's PS Ratio is ranked lower than
75% of the 414 Companies
in the Global Credit Services industry.

( Industry Median: 3.46 vs. PYPL: 6.93 )
Ranked among companies with meaningful PS Ratio only.
PYPL' s PS Ratio Range Over the Past 10 Years
Min: 4.21  Med: 5.18 Max: 7.97
Current: 6.93
4.21
7.97
Price-to-Free-Cash-Flow 29.79
PYPL's Price-to-Free-Cash-Flow is ranked lower than
88% of the 104 Companies
in the Global Credit Services industry.

( Industry Median: 8.52 vs. PYPL: 29.79 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
PYPL' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 18.9  Med: 23.95 Max: 136.03
Current: 29.79
18.9
136.03
Price-to-Operating-Cash-Flow 24.35
PYPL's Price-to-Operating-Cash-Flow is ranked lower than
83% of the 127 Companies
in the Global Credit Services industry.

( Industry Median: 7.24 vs. PYPL: 24.35 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
PYPL' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 14.89  Med: 18.29 Max: 210.32
Current: 24.35
14.89
210.32
EV-to-EBIT 32.68
PYPL's EV-to-EBIT is ranked lower than
81% of the 352 Companies
in the Global Credit Services industry.

( Industry Median: 16.26 vs. PYPL: 32.68 )
Ranked among companies with meaningful EV-to-EBIT only.
PYPL' s EV-to-EBIT Range Over the Past 10 Years
Min: 23.7  Med: 30.6 Max: 50.3
Current: 32.68
23.7
50.3
EV-to-EBITDA 25.65
PYPL's EV-to-EBITDA is ranked lower than
76% of the 366 Companies
in the Global Credit Services industry.

( Industry Median: 14.65 vs. PYPL: 25.65 )
Ranked among companies with meaningful EV-to-EBITDA only.
PYPL' s EV-to-EBITDA Range Over the Past 10 Years
Min: 16.9  Med: 22.6 Max: 35.3
Current: 25.65
16.9
35.3
EV-to-Revenue 6.22
PYPL's EV-to-Revenue is ranked lower than
63% of the 425 Companies
in the Global Credit Services industry.

( Industry Median: 5.35 vs. PYPL: 6.22 )
Ranked among companies with meaningful EV-to-Revenue only.
PYPL' s EV-to-Revenue Range Over the Past 10 Years
Min: 3.8  Med: 4.8 Max: 7.7
Current: 6.22
3.8
7.7
PEG Ratio 2.70
PYPL's PEG Ratio is ranked lower than
99.99% of the 133 Companies
in the Global Credit Services industry.

( Industry Median: 0.97 vs. PYPL: 2.70 )
Ranked among companies with meaningful PEG Ratio only.
PYPL' s PEG Ratio Range Over the Past 10 Years
Min: 0  Med: 0 Max: 3.55
Current: 2.7
0
3.55
Current Ratio 1.28
PYPL's Current Ratio is ranked lower than
70% of the 218 Companies
in the Global Credit Services industry.

( Industry Median: 2.40 vs. PYPL: 1.28 )
Ranked among companies with meaningful Current Ratio only.
PYPL' s Current Ratio Range Over the Past 10 Years
Min: 1.28  Med: 1.45 Max: 1.57
Current: 1.28
1.28
1.57
Quick Ratio 1.28
PYPL's Quick Ratio is ranked lower than
69% of the 218 Companies
in the Global Credit Services industry.

( Industry Median: 2.40 vs. PYPL: 1.28 )
Ranked among companies with meaningful Quick Ratio only.
PYPL' s Quick Ratio Range Over the Past 10 Years
Min: 1.28  Med: 1.45 Max: 1.57
Current: 1.28
1.28
1.57
Days Sales Outstanding 10.05
PYPL's Days Sales Outstanding is ranked higher than
61% of the 218 Companies
in the Global Credit Services industry.

( Industry Median: 19.27 vs. PYPL: 10.05 )
Ranked among companies with meaningful Days Sales Outstanding only.
PYPL' s Days Sales Outstanding Range Over the Past 10 Years
Min: 2.82  Med: 5.41 Max: 10.05
Current: 10.05
2.82
10.05

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio 0.70
PYPL's 3-Year Average Share Buyback Ratio is ranked higher than
81% of the 194 Companies
in the Global Credit Services industry.

( Industry Median: -3.70 vs. PYPL: 0.70 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
PYPL' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: 0.1  Med: 0.6 Max: 0.7
Current: 0.7
0.1
0.7

Valuation & Return

vs
industry
vs
history
Price-to-Net-Current-Asset-Value 18.71
PYPL's Price-to-Net-Current-Asset-Value is ranked lower than
89% of the 114 Companies
in the Global Credit Services industry.

( Industry Median: 2.16 vs. PYPL: 18.71 )
Ranked among companies with meaningful Price-to-Net-Current-Asset-Value only.
PYPL' s Price-to-Net-Current-Asset-Value Range Over the Past 10 Years
Min: 6.45  Med: 8.03 Max: 19.22
Current: 18.71
6.45
19.22
Price-to-Tangible-Book 12.03
PYPL's Price-to-Tangible-Book is ranked lower than
93% of the 409 Companies
in the Global Credit Services industry.

( Industry Median: 1.26 vs. PYPL: 12.03 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
PYPL' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 3.94  Med: 5.06 Max: 12.35
Current: 12.03
3.94
12.35
Price-to-Median-PS-Value 1.34
PYPL's Price-to-Median-PS-Value is ranked lower than
80% of the 366 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. PYPL: 1.34 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
PYPL' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.83  Med: 0.95 Max: 1.38
Current: 1.34
0.83
1.38
Price-to-Graham-Number 5.14
PYPL's Price-to-Graham-Number is ranked lower than
92% of the 199 Companies
in the Global Credit Services industry.

( Industry Median: 1.07 vs. PYPL: 5.14 )
Ranked among companies with meaningful Price-to-Graham-Number only.
PYPL' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 2.55  Med: 3.22 Max: 5.28
Current: 5.14
2.55
5.28
Earnings Yield (Greenblatt) % 3.06
PYPL's Earnings Yield (Greenblatt) % is ranked lower than
63% of the 454 Companies
in the Global Credit Services industry.

( Industry Median: 4.38 vs. PYPL: 3.06 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
PYPL' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 2  Med: 3.3 Max: 4.2
Current: 3.06
2
4.2

More Statistics

Revenue (TTM) (Mil) $14,969.00
EPS (TTM) $ 1.73
Beta0.87
Volatility25.87%
52-Week Range $70.22 - 93.70
Shares Outstanding (Mil)1,178.36

Analyst Estimate

Dec18 Dec19 Dec20 Dec21
Revenue (Mil $) 15,478 17,972 21,103 24,525
EBIT (Mil $) 2,585 3,342 3,788
EBITDA (Mil $) 3,601 4,390 4,930
EPS ($) 1.82 2.30 2.68 2.77
EPS without NRI ($) 1.82 2.30 2.68 2.77
EPS Growth Rate
(Future 3Y To 5Y Estimate)
23.41%
Dividends per Share ($) 4.70

Piotroski F-Score Details

Piotroski F-Score: 77
Positive ROAY
Positive CFROAY
Higher ROA yoyY
CFROA > ROAY
Lower Leverage yoyY
Higher Current Ratio yoyN
Less Shares Outstanding yoyY
Higher Gross Margin yoyN
Higher Asset Turnover yoyY

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