PYPL (PayPal Holdings) GF Score: 87/100 (As of Jun. 29, 2026) — Near Median


PYPL PayPal Holdings Inc PYPL
87 GF Score
Price $44.29
GF Value $82.95
Valuation Significantly Undervalued
! 4 Warning Signs
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What is PayPal Holdings GF Score?

PayPal Holdings PYPL +4.51% 87 GF Score is 87 as of Jun. 29, 2026, which is 2% below its 10-year median of 89.00. GuruFocus rates PYPL with a GF Score™ of 87/100 and a GF Value™ of $82.95 (Significantly Undervalued). The stock has 4 warning signs investors should review.

PayPal Holdings has the GF Score of 87, which implies that the company might have Good outperformance potential.

The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.

GF Score takes following five key aspects into consideration:

1. Financial Strength : 6/10
2. Profitability Rank : 10/10
3. Growth Rank : 9/10
4. GF Value Rank : 4/10
5. Momentum Rank : 4/10

Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.

Based on research and backtesting result, GuruFocus believes PayPal Holdings might have Good outperformance potential.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

PayPal Holdings  (NAS:PYPL) GF Score Explanation

Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:

GF Score Performance Potential and All-in-One Screener Examples (1)
91 - 100Highest outperformance potential
81 - 90Good outperformance potential
71 - 80Likely to have average performance
51 - 70Poor future performance potential
0 - 50Worst future performance potential, or not enough data

(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.

PayPal Holdings GF Score Related Terms

PYPL vs AFRM, SYF, SOFI: GF Score Comparison

For the Credit Services subindustry, PayPal Holdings's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Credit Services Industry

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

* The bar in red indicates where PayPal Holdings's GF Score falls into.


PYPL
87GF Score
PayPal Holdings Inc PYPL
GF Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Score →
What does a GF Score of 87 mean?
PayPal Holdings (PYPL) has a GF Score of 87 as of Jun. 29, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on PayPal Holdings and its competitors. This is near median its historical median of 89.00. Over the past decade, PayPal Holdings' GF Score has ranged from 26.00 to 99.00.
Is PayPal Holdings' GF Score too high?
PayPal Holdings' current GF Score of 87 is near median its 10-year median of 89.00. Over the past 10 years, this metric has ranged from a low of 26.00 to a high of 99.00. Overall, PayPal Holdings has a GF Score™ of 87/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PayPal Holdings' GF Score compare to AFRM and SYF?
PayPal Holdings' GF Score of 87 can be compared against companies in the Credit Services industry. Historically, PayPal Holdings' own GF Score has ranged from 26.00 to 99.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Credit Services company?
A good GF Score depends on the Credit Services industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on PayPal Holdings and its competitors. PayPal Holdings's current GF Score is 87, which is near median its own 10-year median of 89.00. 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 (PYPL) is currently considered Significantly Undervalued. The stock's GF Value™ is $82.95, compared to a current price of $44.29 — trading 46.6% below its estimated fair value. The current GF Score is 87, which is near median its 10-year median of 89.00. 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 GF Score calculated?
GF Score is calculated from a company's financial statements. For PayPal Holdings (PYPL), the current GF Score is 87 as of Jun. 29, 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 (PYPL) Overvalued in 2026?

Based on GuruFocus' analysis, PayPal Holdings stock appears to be undervalued. The current stock price of $44.29 is trading 46.6% below its estimated GF Value™ of $82.95. GuruFocus considers PayPal Holdings to be Significantly Undervalued.

Key valuation signals for PYPL:

  • GF Score: 87 (near median its 10-year median of 89.00)
  • GF Value™: $82.95 vs. price of $44.29 (46.6% below fair value)
  • GF Score™: 87/100 with 4 warning signs

No single metric tells the full story. See the 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

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

$44.29
Price
$82.95
GF Value