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PayPal HoldingsCHIX:2PPD 87 3-Year EBITDA Growth Rate is 22.70% as of Jun. 2026, which is 34% above its 10-year median of 16.90. GuruFocus rates CHIX:2PPD with a GF Score™ of 87/100 and a GF Value™ of €54.54. The stock has 4 warning signs investors should review. Among 319 Credit Services companies, PayPal Holdings ranks better than 68.34% on this metric.
During the past 12 months, PayPal Holdings's average EBITDA Per Share Growth Rate was 8.60% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 22.70% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 9.60% per year.
During the past 10 years, the average EBITDA Per Share Growth Rate was 16.20% 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 EBITDA per share growth rate.
During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of PayPal Holdings was 30.20% per year. The lowest was 4.30% per year. And the median was 16.90% per year.
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
PayPal Holdings 3-Year EBITDA Growth Rate Related Terms
CHIX:2PPD vs SYF, AFRM, SOFI: 3-Year EBITDA Growth Rate Comparison
For the Credit Services subindustry, PayPal Holdings's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA 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 EBITDA Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PayPal Holdings's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where PayPal Holdings's 3-Year EBITDA Growth Rate falls into.
This is the 3-year average growth rate of EBITDA per Share. 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 EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 22.70% mean?
PayPal Holdings (CHIX:2PPD) has a 3-Year EBITDA Growth Rate of 22.70% as of Jun. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for PayPal Holdings and its competitors. This is 34% above median its historical median of 16.90. Over the past decade, PayPal Holdings' 3-Year EBITDA Growth Rate has ranged from 4.30 to 30.20. According to the industry distribution chart, PayPal Holdings ranks #101 out of 319 companies in the Credit Services industry, placing it in the top 31.7%.
Is PayPal Holdings' 3-Year EBITDA Growth Rate too high?
PayPal Holdings' current 3-Year EBITDA Growth Rate of 22.70% is 34% above median its 10-year median of 16.90. Over the past 10 years, this metric has ranged from a low of 4.30 to a high of 30.20. The Credit Services industry median 3-Year EBITDA Growth Rate is 9.10. PayPal Holdings' value of 22.70% is 149.5% above this industry median. Based on the distribution chart, PayPal Holdings ranks #101 out of 319 companies in the Credit Services industry, which is above the industry midpoint. Overall, PayPal Holdings has a GF Score™ of 87/100, reflecting its overall financial health beyond just this single metric.
How does PayPal Holdings' 3-Year EBITDA Growth Rate compare to SYF and AFRM?
According to the Credit Services industry distribution chart, PayPal Holdings ranks #101 out of 319 companies for 3-Year EBITDA Growth Rate. This puts PayPal Holdings in the upper half of its industry. The industry median 3-Year EBITDA Growth Rate is 9.10. PayPal Holdings' value of 22.70% is 149.5% above this benchmark. Historically, PayPal Holdings' own 3-Year EBITDA Growth Rate has ranged from 4.30 to 30.20 over the past decade. While the company's 10-year median is 16.90 vs. the industry median of 9.10, 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 EBITDA Growth Rate for a Credit Services company?
The median 3-Year EBITDA Growth Rate among Credit Services companies is 9.10, based on 319 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA 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 EBITDA Growth Rate of 22.70% is 149.5% 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 EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for PayPal Holdings and its competitors. For the Credit Services industry, the median 3-Year EBITDA Growth Rate is 9.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PayPal Holdings's current 3-Year EBITDA Growth Rate is 22.70%, which is 34% above median its own 10-year median of 16.90. 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 (CHIX:2PPD) has a current 3-Year EBITDA Growth Rate of 22.70%. The stock's GF Value™ is €54.54, compared to a current price of €38.20 — trading 30% below its estimated fair value. The current 3-Year EBITDA Growth Rate is 22.70%, which is 34% above median its 10-year median of 16.90 and 149.5% above the Credit Services industry median of 9.10. 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 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For PayPal Holdings (CHIX:2PPD), the current 3-Year EBITDA Growth Rate is 22.70% 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 €38.20 is trading 30% below its estimated GF Value™ of €54.54.
Key valuation signals for CHIX:2PPD:
3-Year EBITDA Growth Rate: 22.70% (34% above median its 10-year median of 16.90)
GF Value™: €54.54 vs. price of €38.20 (30% below fair value)
Industry Position: 149.5% above the Credit Services median (#101 of 319)
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.
87GF Score
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