PayPal Holdings (BUE:PYPL) Margin of Safety % (DCF Earnings Based): 94.18% (As of Jun. 25, 2026)


BUE:PYPL PayPal Holdings Inc BUE:PYPL
79 GF Score
Price ARS8,235.00
GF Value ARS16,078.41
Valuation Significantly Undervalued
! 4 Warning Signs
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What is PayPal Holdings Margin of Safety % (DCF Earnings Based)?

PayPal Holdings BUE:PYPL +1.86% 79 Margin of Safety % (DCF Earnings Based) is 94.18% as of Jun. 25, 2026. GuruFocus rates BUE:PYPL with a GF Score™ of 79/100 and a GF Value™ of ARS16,078.41 (Significantly Undervalued). The stock has 4 warning signs investors should review.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-25), PayPal Holdings's Predictability Rank is 4-Stars. PayPal Holdings's intrinsic value calculated from the Discounted Earnings model is ARS141470.97 and current share price is ARS8235.00. Consequently,

PayPal Holdings's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is 94.18%.

BUE:PYPL vs AFRM, SYF, SOFI: Margin of Safety % (DCF Earnings Based) Comparison

For the Credit Services subindustry, PayPal Holdings's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) vs Credit Services Industry

For the Credit Services industry and Financial Services sector, PayPal Holdings's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where PayPal Holdings's Margin of Safety % (DCF Earnings Based) falls into.


BUE:PYPL
79GF Score
PayPal Holdings Inc BUE:PYPL
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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PayPal Holdings Margin of Safety % (DCF Earnings Based) Calculation

PayPal Holdings's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(141470.97-8235.00)/141470.97
=94.18 %

* 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.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of 94.18% mean?
PayPal Holdings (BUE:PYPL) has a Margin of Safety % (DCF Earnings Based) of 94.18% as of Jun. 25, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on PayPal Holdings.
Is PayPal Holdings' Margin of Safety % (DCF Earnings Based) too high?
PayPal Holdings' current Margin of Safety % (DCF Earnings Based) is 94.18%. Overall, PayPal Holdings has a GF Score™ of 79/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PayPal Holdings' Margin of Safety % (DCF Earnings Based) compare to AFRM and SYF?
PayPal Holdings' Margin of Safety % (DCF Earnings Based) of 94.18% 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 Margin of Safety % (DCF Earnings Based) for a Credit Services company?
A good Margin of Safety % (DCF Earnings Based) depends on the Credit Services industry context. However, Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on PayPal Holdings. PayPal Holdings's current Margin of Safety % (DCF Earnings Based) is 94.18%. 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?
Based on GuruFocus' analysis, PayPal Holdings (BUE:PYPL) is currently considered Significantly Undervalued. The stock's GF Value™ is ARS16,078.41, compared to a current price of ARS8,235.00 — trading 48.8% below its estimated fair value. The current Margin of Safety % (DCF Earnings Based) is 94.18%. PayPal Holdings' overall GF Score™ is 79/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For PayPal Holdings (BUE:PYPL), the current Margin of Safety % (DCF Earnings Based) is 94.18% as of Jun. 25, 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 (BUE:PYPL) Overvalued in 2026?

Based on GuruFocus' analysis, PayPal Holdings stock appears to be undervalued. The current stock price of ARS8,235.00 is trading 48.8% below its estimated GF Value™ of ARS16,078.41. GuruFocus considers PayPal Holdings to be Significantly Undervalued.

Key valuation signals for BUE:PYPL:

  • Margin of Safety % (DCF Earnings Based): 94.18%
  • GF Value™: ARS16,078.41 vs. price of ARS8,235.00 (48.8% below fair value)
  • GF Score™: 79/100 with 4 warning signs

No single metric tells the full story. See the BUE: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.
79GF Score

Get the complete analysis for BUE:PYPL

Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

ARS8,235.00
Price
ARS16,078.41
GF Value