PayPal Holdings (UKEX:PYPL) E10: ₴175.18 (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

UKEX:PYPL PayPal Holdings Inc UKEX:PYPL
87 GF Score
Price ₴2,310.00
GF Value ₴3,430.24
! 4 Warning Signs
View Full Analysis

What is PayPal Holdings E10?

PayPal Holdings UKEX:PYPL 87 E10 is ₴175.18 as of Mar. 2026. GuruFocus rates UKEX:PYPL with a GF Score™ of 87/100 and a GF Value™ of ₴3,430.24. The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

PayPal Holdings's adjusted earnings per share data for the three months ended in Mar. 2026 was ₴54.243. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₴175.18 for the trailing ten years ended in Mar. 2026.

During the past 12 months, PayPal Holdings's average E10 Growth Rate was 16.30% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

As of today (2026-07-25), PayPal Holdings's current stock price is ₴2310.00. PayPal Holdings's E10 for the quarter that ended in Mar. 2026 was ₴175.18. PayPal Holdings's Shiller PE Ratio of today is 13.19.

During the past 13 years, the highest Shiller PE Ratio of PayPal Holdings was 33.34. The lowest was 12.04. And the median was 23.82.


PayPal Holdings  (UKEX:PYPL) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

PayPal Holdings's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=2310.00/175.18
=13.19

* 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.

During the past 13 years, the highest Shiller P/E Ratio of PayPal Holdings was 33.34. The lowest was 12.04. And the median was 23.82.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


PayPal Holdings E10 Related Terms


PayPal Holdings E10 Historical Data

* Premium members only.

The historical data trend for PayPal Holdings's E10 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.

PayPal Holdings E10 Chart

PayPal Holdings Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 92.82 76.05 130.18

PayPal Holdings Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 104.44 95.42 109.54 130.18 175.18

UKEX:PYPL vs AFRM, SYF, SOFI: E10 Comparison

For the Credit Services subindustry, PayPal Holdings's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, PayPal Holdings's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where PayPal Holdings's Shiller PE Ratio falls into.


UKEX:PYPL
87GF Score
PayPal Holdings Inc UKEX:PYPL
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PayPal Holdings E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, PayPal Holdings's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=54.243/330.2130*330.2130
=54.243

Current CPI (Mar. 2026) = 330.2130.

PayPal Holdings Quarterly Data

per share eps CPI Adj_EPS
201606 12.104 241.018 16.583
201609 12.104 241.428 16.555
201612 14.345 241.432 19.620
201703 14.345 243.801 19.429
201706 15.242 244.955 20.547
201709 13.897 246.819 18.592
201712 22.415 246.524 30.024
201803 18.828 249.554 24.913
201806 19.725 251.989 25.848
201809 16.139 252.439 21.111
201812 21.966 251.233 28.871
201903 25.104 254.202 32.611
201906 30.932 256.143 39.877
201909 17.483 256.759 22.485
201912 19.277 256.974 24.771
202003 3.138 258.115 4.015
202006 57.830 257.797 74.075
202009 38.553 260.280 48.912
202012 59.175 260.474 75.018
202103 41.243 264.877 51.416
202106 44.829 271.696 54.484
202109 41.243 274.310 49.648
202112 30.484 278.802 36.105
202203 19.277 287.504 22.141
202206 -13.000 296.311 -14.487
202209 51.554 296.808 57.356
202212 35.863 296.797 39.901
202303 31.380 301.836 34.330
202306 41.243 305.109 44.636
202309 41.691 307.789 44.728
202312 57.830 306.746 62.254
202403 37.208 312.332 39.338
202406 48.416 314.175 50.888
202409 44.381 315.301 46.480
202412 49.760 315.605 52.063
202503 57.830 319.799 59.713
202506 57.830 322.561 59.202
202509 58.278 324.800 59.249
202512 68.589 324.054 69.893
202603 54.243 330.213 54.243

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of ₴175.18 mean?
PayPal Holdings (UKEX:PYPL) has a E10 of ₴175.18 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on PayPal Holdings and its competitors.
Is PayPal Holdings' E10 too high?
PayPal Holdings' current E10 is ₴175.18. Overall, PayPal Holdings has a GF Score™ of 87/100, reflecting its overall financial health beyond just this single metric.
How does PayPal Holdings' E10 compare to AFRM and SYF?
PayPal Holdings' E10 of ₴175.18 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Credit Services company?
A good E10 depends on the Credit Services industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on PayPal Holdings and its competitors. PayPal Holdings's current E10 is ₴175.18. 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?
PayPal Holdings (UKEX:PYPL) has a current E10 of ₴175.18. The stock's GF Value™ is ₴3,430.24, compared to a current price of ₴2,310.00 — trading 32.7% below its estimated fair value. The current E10 is ₴175.18. PayPal Holdings' overall GF Score™ is 87/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For PayPal Holdings (UKEX:PYPL), the current E10 is ₴175.18 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 (UKEX:PYPL) Overvalued in 2026?

Based on GuruFocus' analysis, PayPal Holdings stock appears to be undervalued. The current stock price of ₴2,310.00 is trading 32.7% below its estimated GF Value™ of ₴3,430.24.

Key valuation signals for UKEX:PYPL:

  • E10: ₴175.18
  • GF Value™: ₴3,430.24 vs. price of ₴2,310.00 (32.7% below fair value)
  • GF Score™: 87/100 with 4 warning signs

No single metric tells the full story. See the UKEX:PYPL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


PayPal Holdings Business Description

Address 2211 North First Street, San Jose, CA, USA, 95131
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.
87GF Score

Get the complete analysis for UKEX:PYPL

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₴2,310.00
Price
₴3,430.24
GF Value