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PayPal HoldingsCHIX:2PPD 76 EV-to-EBITDA is 6.82 as of Jul. 20, 2026, which is 71% below its 10-year median of 23.20. GuruFocus rates CHIX:2PPD with a GF Score™ of 76/100 and a GF Value™ of €74.13 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 325 Credit Services companies, PayPal Holdings ranks better than 84.92% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, PayPal Holdings's enterprise value is €43,870 Mil.
PayPal Holdings's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was €6,434 Mil. Therefore, PayPal Holdings's EV-to-EBITDA for today is 6.82.
The historical rank and industry rank for PayPal Holdings's EV-to-EBITDA or its related term are showing as below:
CHIX:2PPd'
s EV-to-EBITDA Range Over the Past 10 Years
Min: 4.85 Med: 23.2 Max: 54.89
Current: 6.67
During the past 13 years, the highest EV-to-EBITDA of PayPal Holdings was 54.89. The lowest was 4.85. And the median was 23.20.
CHIX:2PPd's EV-to-EBITDA is ranked better than 84.92% of 325
companies
in the Credit Services industry
Industry Median: 22.5
vs CHIX:2PPd: 6.67
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
PayPal Holdings's PE Ratio (TTM) for today is calculated as:
PayPal Holdings's share price for today is €38.20.
PayPal Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €4.580.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for PayPal Holdings's EV-to-EBITDA 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: EV-to-EBITDA Comparison
For the Credit Services subindustry, PayPal Holdings's EV-to-EBITDA, along with its competitors' market caps and EV-to-EBITDA 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 EV-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PayPal Holdings's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where PayPal Holdings's EV-to-EBITDA falls into.
PayPal Holdings's current Enterprise Value is €43,870 Mil.
PayPal Holdings's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €6,434 Mil.
* 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 EV-to-EBITDA of 6.82 as of Jul. 20, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on PayPal Holdings. This is 71% below median its historical median of 23.20. Over the past decade, PayPal Holdings' EV-to-EBITDA has ranged from 4.85 to 54.89. According to the industry distribution chart, PayPal Holdings ranks #49 out of 325 companies in the Credit Services industry, placing it in the top 15.1%.
Is PayPal Holdings' EV-to-EBITDA too high?
PayPal Holdings' current EV-to-EBITDA of 6.82 is 71% below median its 10-year median of 23.20. Over the past 10 years, this metric has ranged from a low of 4.85 to a high of 54.89. The Credit Services industry median EV-to-EBITDA is 22.50. PayPal Holdings' value of 6.82 is 69.7% below this industry median. Based on the distribution chart, PayPal Holdings ranks #49 out of 325 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 76/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PayPal Holdings' EV-to-EBITDA compare to AFRM and SYF?
According to the Credit Services industry distribution chart, PayPal Holdings ranks #49 out of 325 companies for EV-to-EBITDA. This places PayPal Holdings in the top 15% of its industry — outperforming the majority of peers. The industry median EV-to-EBITDA is 22.50. PayPal Holdings' value of 6.82 is 69.7% below this benchmark. Historically, PayPal Holdings' own EV-to-EBITDA has ranged from 4.85 to 54.89 over the past decade. While the company's 10-year median is 23.20 vs. the industry median of 22.50, PayPal Holdings has consistently been below 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 EV-to-EBITDA for a Credit Services company?
The median EV-to-EBITDA among Credit Services companies is 22.50, based on 325 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PayPal Holdings's current EV-to-EBITDA of 6.82 is 69.7% below 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 EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on PayPal Holdings. For the Credit Services industry, the median EV-to-EBITDA is 22.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PayPal Holdings's current EV-to-EBITDA is 6.82, which is 71% below median its own 10-year median of 23.20. 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 €74.13, compared to a current price of €38.20 — trading 48.5% below its estimated fair value. The current EV-to-EBITDA is 6.82, which is 71% below median its 10-year median of 23.20 and 69.7% below the Credit Services industry median of 22.50. PayPal Holdings' overall GF Score™ is 76/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For PayPal Holdings (CHIX:2PPD), the current EV-to-EBITDA is 6.82 as of Jul. 20, 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 48.5% below its estimated GF Value™ of €74.13.
GuruFocus considers PayPal Holdings to be Significantly Undervalued.
Key valuation signals for CHIX:2PPD:
EV-to-EBITDA: 6.82 (71% below median its 10-year median of 23.20)
GF Value™: €74.13 vs. price of €38.20 (48.5% below fair value)
Industry Position: 69.7% below the Credit Services median (#49 of 325)
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.
76GF Score
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