PayPal HoldingsCHIX:2PPD 77 Days Payable is 819.37 as of Mar. 2026, which is 24% below its 10-year median of 1,082.63. GuruFocus rates CHIX:2PPD with a GF Score™ of 77/100 and a GF Value™ of €71.54 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 302 Credit Services companies, PayPal Holdings ranks better than 93.05% on this metric.
The historical rank and industry rank for PayPal Holdings's Days Payable or its related term are showing as below:
CHIX:2PPd'
s Days Payable Range Over the Past 10 Years
Min: 825.4 Med: 1082.63 Max: 1198.61
Current: 825.4
During the past 13 years, PayPal Holdings's highest Days Payable was 1198.61. The lowest was 825.40. And the median was 1082.63.
CHIX:2PPd's Days Payable is ranked better than 93.05% of 302
companies
in the Credit Services industry
Industry Median: 33.405
vs CHIX:2PPd: 825.40
PayPal Holdings's Days Payable
declined
from Mar. 2025 (924.50) to Mar. 2026 (819.37).
It may suggest that PayPal Holdingsaccelerated paying its suppliers.
PayPal Holdings Days Payable Related Terms
PayPal Holdings Days Payable Historical Data
* Premium members only.
The historical data trend for PayPal Holdings's Days Payable 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.
CHIX:2PPD vs AFRM, SYF, SOFI: Days Payable Comparison
For the Credit Services subindustry, PayPal Holdings's Days Payable, along with its competitors' market caps and Days Payable 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 Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PayPal Holdings's Days Payable distribution charts can be found below:
* The bar in red indicates where PayPal Holdings's Days Payable falls into.
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
PayPal Holdings's Days Payable for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Days Payable of 819.37 as of Mar. 2026. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on PayPal Holdings and its competitors. This is 24% below median its historical median of 1,082.63. Over the past decade, PayPal Holdings' Days Payable has ranged from 825.40 to 1,198.61. According to the industry distribution chart, PayPal Holdings ranks #21 out of 302 companies in the Credit Services industry, placing it in the top 7%.
Is PayPal Holdings' Days Payable too high?
PayPal Holdings' current Days Payable of 819.37 is 24% below median its 10-year median of 1,082.63. Over the past 10 years, this metric has ranged from a low of 825.40 to a high of 1,198.61. The Credit Services industry median Days Payable is 33.41. PayPal Holdings' value of 819.37 is 2352.8% above this industry median. Based on the distribution chart, PayPal Holdings ranks #21 out of 302 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, PayPal Holdings has a GF Score™ of 77/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PayPal Holdings' Days Payable compare to AFRM and SYF?
According to the Credit Services industry distribution chart, PayPal Holdings ranks #21 out of 302 companies for Days Payable. This places PayPal Holdings in the top 7% of its industry — outperforming the majority of peers. The industry median Days Payable is 33.41. PayPal Holdings' value of 819.37 is 2352.8% above this benchmark. Historically, PayPal Holdings' own Days Payable has ranged from 825.40 to 1,198.61 over the past decade. While the company's 10-year median is 1,082.63 vs. the industry median of 33.41, 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 Days Payable for a Credit Services company?
The median Days Payable among Credit Services companies is 33.41, based on 302 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PayPal Holdings's current Days Payable of 819.37 is 2352.8% 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 Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on PayPal Holdings and its competitors. For the Credit Services industry, the median Days Payable is 33.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PayPal Holdings's current Days Payable is 819.37, which is 24% below median its own 10-year median of 1,082.63. 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 €71.54, compared to a current price of €38.20 — trading 46.6% below its estimated fair value. The current Days Payable is 819.37, which is 24% below median its 10-year median of 1,082.63 and 2352.8% above the Credit Services industry median of 33.41. PayPal Holdings' overall GF Score™ is 77/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Days Payable calculated?
Days Payable is calculated from a company's financial statements. For PayPal Holdings (CHIX:2PPD), the current Days Payable is 819.37 as of Mar. 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 €38.20 is trading 46.6% below its estimated GF Value™ of €71.54.
GuruFocus considers PayPal Holdings to be Significantly Undervalued.
Key valuation signals for CHIX:2PPD:
Days Payable: 819.37 (24% below median its 10-year median of 1,082.63)
GF Value™: €71.54 vs. price of €38.20 (46.6% below fair value)
Industry Position: 2352.8% above the Credit Services median (#21 of 302)
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.
77GF Score
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