Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.
PayPal Holdings's operating assets for the quarter that ended in Mar. 2026 was €61,591 Mil. PayPal Holdings's operating liabilities for the quarter that ended in Mar. 2026 was €44,213 Mil. PayPal Holdings's Total Assets for the quarter that ended in Dec. 2025 was €68,468 Mil. Therefore, PayPal Holdings's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.25.
PayPal Holdings Scaled Net Operating Assets Related Terms
PayPal Holdings Scaled Net Operating Assets Historical Data
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The historical data trend for PayPal Holdings's Scaled Net Operating Assets 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: Scaled Net Operating Assets Comparison
For the Credit Services subindustry, PayPal Holdings's Scaled Net Operating Assets, along with its competitors' market caps and Scaled Net Operating Assets 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 Scaled Net Operating Assets vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PayPal Holdings's Scaled Net Operating Assets distribution charts can be found below:
* The bar in red indicates where PayPal Holdings's Scaled Net Operating Assets falls into.
* 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.
What does a Scaled Net Operating Assets of 0.25 mean?
PayPal Holdings (CHIX:2PPD) has a Scaled Net Operating Assets of 0.25 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on PayPal Holdings and its competitors.
Is PayPal Holdings' Scaled Net Operating Assets too high?
PayPal Holdings' current Scaled Net Operating Assets is 0.25. Overall, PayPal Holdings has a GF Score™ of 77/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PayPal Holdings' Scaled Net Operating Assets compare to AFRM and SYF?
PayPal Holdings' Scaled Net Operating Assets of 0.25 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 Scaled Net Operating Assets for a Credit Services company?
A good Scaled Net Operating Assets depends on the Credit Services industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on PayPal Holdings and its competitors. PayPal Holdings's current Scaled Net Operating Assets is 0.25. 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 €71.54, compared to a current price of €38.20 — trading 46.6% below its estimated fair value. The current Scaled Net Operating Assets is 0.25. PayPal Holdings' overall GF Score™ is 77/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For PayPal Holdings (CHIX:2PPD), the current Scaled Net Operating Assets is 0.25 as of Mar. 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 46.6% below its estimated GF Value™ of €71.54.
GuruFocus considers PayPal Holdings to be Significantly Undervalued.
Key valuation signals for CHIX:2PPD:
Scaled Net Operating Assets: 0.25
GF Value™: €71.54 vs. price of €38.20 (46.6% below fair value)
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.
77GF Score
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