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PayPal HoldingsCHIX:2PPD 82 Cash-to-Debt is 0.84 as of Jun. 2026, which is 42% below its 10-year median of 1.46. GuruFocus rates CHIX:2PPD with a GF Score™ of 82/100 and a GF Value™ of €83.88 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 513 Credit Services companies, PayPal Holdings ranks better than 69.98% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. PayPal Holdings's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.84.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, PayPal Holdingscouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for PayPal Holdings's Cash-to-Debt or its related term are showing as below:
CHIX:2PPd'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.84 Med: 1.46 Max: No Debt
Current: 0.84
During the past 13 years, PayPal Holdings's highest Cash to Debt Ratio was No Debt. The lowest was 0.84. And the median was 1.46.
CHIX:2PPd's Cash-to-Debt is ranked better than 69.98% of 513
companies
in the Credit Services industry
Industry Median: 0.2
vs CHIX:2PPd: 0.84
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
PayPal Holdings Cash-to-Debt Related Terms
PayPal Holdings Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for PayPal Holdings's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
CHIX:2PPD vs AFRM, SYF, SOFI: Cash-to-Debt Comparison
For the Credit Services subindustry, PayPal Holdings's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
PayPal Holdings Cash-to-Debt vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PayPal Holdings's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where PayPal Holdings's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
PayPal Holdings (CHIX:2PPD) has a Cash-to-Debt of 0.84 as of Jun. 2026. This is 42% below median its historical median of 1.46. Over the past decade, PayPal Holdings' Cash-to-Debt has ranged from 0.84 to 10,000.00. According to the industry distribution chart, PayPal Holdings ranks #154 out of 513 companies in the Credit Services industry, placing it in the top 30%.
Is PayPal Holdings' Cash-to-Debt too high?
PayPal Holdings' current Cash-to-Debt of 0.84 is 42% below median its 10-year median of 1.46. Over the past 10 years, this metric has ranged from a low of 0.84 to a high of 10,000.00. The Credit Services industry median Cash-to-Debt is 0.20. PayPal Holdings' value of 0.84 is 320% above this industry median. Based on the distribution chart, PayPal Holdings ranks #154 out of 513 companies in the Credit Services industry, which is above the industry midpoint. Overall, PayPal Holdings has a GF Score™ of 82/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PayPal Holdings' Cash-to-Debt compare to AFRM and SYF?
According to the Credit Services industry distribution chart, PayPal Holdings ranks #154 out of 513 companies for Cash-to-Debt. This puts PayPal Holdings in the upper half of its industry. The industry median Cash-to-Debt is 0.20. PayPal Holdings' value of 0.84 is 320% above this benchmark. Historically, PayPal Holdings' own Cash-to-Debt has ranged from 0.84 to 10,000.00 over the past decade. While the company's 10-year median is 1.46 vs. the industry median of 0.20, PayPal Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Credit Services company?
The median Cash-to-Debt among Credit Services companies is 0.20, based on 513 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PayPal Holdings's current Cash-to-Debt of 0.84 is 320% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Cash-to-Debt is 0.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PayPal Holdings's current Cash-to-Debt is 0.84, which is 42% below median its own 10-year median of 1.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PayPal Holdings stock overvalued right now?
Based on GuruFocus' analysis, PayPal Holdings (CHIX:2PPD) is currently considered Significantly Undervalued. The stock's GF Value™ is €83.88, compared to a current price of €52.36 — trading 37.6% below its estimated fair value. The current Cash-to-Debt is 0.84, which is 42% below median its 10-year median of 1.46 and 320% above the Credit Services industry median of 0.20. PayPal Holdings' overall GF Score™ is 82/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For PayPal Holdings (CHIX:2PPD), the current Cash-to-Debt is 0.84 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is PayPal Holdings (CHIX:2PPD) Overvalued in 2026?
Based on GuruFocus' analysis, PayPal Holdings stock appears to be undervalued.
The current stock price of €52.36 is trading 37.6% below its estimated GF Value™ of €83.88.
GuruFocus considers PayPal Holdings to be Significantly Undervalued.
Key valuation signals for CHIX:2PPD:
Cash-to-Debt: 0.84 (42% below median its 10-year median of 1.46)
GF Value™: €83.88 vs. price of €52.36 (37.6% below fair value)
Industry Position: 320% above the Credit Services median (#154 of 513)
No single metric tells the full story. See the CHIX:2PPD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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 439 million active accounts at the end of 2025. The company also owns Venmo, a person-to-person payment platform.
82GF Score
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