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PayPal HoldingsCHIX:2PPD 83 3-Year EPS without NRI Growth Rate is 30.20% as of Jun. 2026, which is 51% above its 10-year median of 20.00. GuruFocus rates CHIX:2PPD with a GF Score™ of 83/100 and a GF Value™ of €70.42 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 435 Credit Services companies, PayPal Holdings ranks better than 74.48% on this metric.
During the past 12 months, PayPal Holdings's average EPS without NRI Growth Rate was 3.30% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 30.20% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 16.80% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 13.20% 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 average EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of PayPal Holdings was 30.20% per year. The lowest was -8.10% per year. And the median was 20.00% per year.
PayPal Holdings (CHIX:2PPd) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
PayPal Holdings 3-Year EPS without NRI Growth Rate Related Terms
CHIX:2PPD vs SYF, AFRM, SOFI: 3-Year EPS without NRI Growth Rate Comparison
For the Credit Services subindustry, PayPal Holdings's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PayPal Holdings's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where PayPal Holdings's 3-Year EPS without NRI Growth Rate falls into.
PayPal Holdings 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
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 average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 30.20% mean?
PayPal Holdings (CHIX:2PPD) has a 3-Year EPS without NRI Growth Rate of 30.20% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for PayPal Holdings and its competitors. This is 51% above median its historical median of 20.00. According to the industry distribution chart, PayPal Holdings ranks #111 out of 435 companies in the Credit Services industry, placing it in the top 25.5%.
Is PayPal Holdings' 3-Year EPS without NRI Growth Rate too high?
PayPal Holdings' current 3-Year EPS without NRI Growth Rate of 30.20% is 51% above median its 10-year median of 20.00. The Credit Services industry median 3-Year EPS without NRI Growth Rate is 11.40. PayPal Holdings' value of 30.20% is 164.9% above this industry median. Based on the distribution chart, PayPal Holdings ranks #111 out of 435 companies in the Credit Services industry, which is above the industry midpoint. Overall, PayPal Holdings has a GF Score™ of 83/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PayPal Holdings' 3-Year EPS without NRI Growth Rate compare to SYF and AFRM?
According to the Credit Services industry distribution chart, PayPal Holdings ranks #111 out of 435 companies for 3-Year EPS without NRI Growth Rate. This puts PayPal Holdings in the upper half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 11.40. PayPal Holdings' value of 30.20% is 164.9% above this benchmark. While the company's 10-year median is 20.00 vs. the industry median of 11.40, 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 3-Year EPS without NRI Growth Rate for a Credit Services company?
The median 3-Year EPS without NRI Growth Rate among Credit Services companies is 11.40, based on 435 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PayPal Holdings's current 3-Year EPS without NRI Growth Rate of 30.20% is 164.9% 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 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for PayPal Holdings and its competitors. For the Credit Services industry, the median 3-Year EPS without NRI Growth Rate is 11.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PayPal Holdings's current 3-Year EPS without NRI Growth Rate is 30.20%, which is 51% above median its own 10-year median of 20.00. 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 €70.42, compared to a current price of €52.36 — trading 25.7% below its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 30.20%, which is 51% above median its 10-year median of 20.00 and 164.9% above the Credit Services industry median of 11.40. PayPal Holdings' overall GF Score™ is 83/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For PayPal Holdings (CHIX:2PPD), the current 3-Year EPS without NRI Growth Rate is 30.20% 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 25.7% below its estimated GF Value™ of €70.42.
GuruFocus considers PayPal Holdings to be Significantly Undervalued.
Key valuation signals for CHIX:2PPD:
3-Year EPS without NRI Growth Rate: 30.20% (51% above median its 10-year median of 20.00)
GF Value™: €70.42 vs. price of €52.36 (25.7% below fair value)
Industry Position: 164.9% above the Credit Services median (#111 of 435)
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.
83GF Score
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