PayPal Holdings, Inc.PYPL
Price$53.06Intrinsic value$81.3253% above price

Valuation

How Intrinsic Value compares with model outputs

Intrinsic Value $81.32median of 6 methods · middle span $67-$105based on filings through 31 Mar 2026
Market Price $53.06Price as of 1 Oct 2026
Margin of Safety +53.3%as of 1 Oct 2026

Valuation methods vs. Market Price

Company vs. peer median Members

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Assumptions

ParameterValue
Years 1–5: analyst growth pathFive-year total matches analyst consensus exactly. Year 1: 6.2% (near-term consensus, capped) · years 2–5: 5.7%/yr (balance of the path).5.8% per year
Years 6–10: glide to demonstrated growth
Per-year rates
Yr 65.7%Yr 75.7%Yr 85.7%Yr 95.8%Yr 105.8%
5.7% → 5.8%
Years 11–20: glide to long-run rate
Per-year rates
Yr 115.5%Yr 125.2%Yr 134.9%Yr 144.7%Yr 154.4%Yr 164.1%Yr 173.8%Yr 183.6%Yr 193.3%Yr 203.0%
5.8% → 3.0%
Beyond year 20: terminal growthPerpetual long-run rate3.0%
Historical EPS growth (multi-year median)median of 3 windows (5/6/7y)17.4%
Discount rate (cost of equity) 10.2%
Volatility vs market (adjusted beta)1.17

Valuation Detail Members

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Assumptions Sandbox Members

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Compare with peers

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Best in rowHigher is betterLower is better—Data not available
TargetPayPal Holdings, Inc.PYPLFinancials
Valuation
P/E10.0×
P/S1.3×
P/B2.4×
EV / Revenue—
EV / EBITDA—
Profitability
Gross margin—
Operating margin18.3%
Net margin15.0%
FCF margin16.3%
Returns
ROE25.3%
ROA6.3%
ROIC22.5%
Growth
Revenue growth (YoY)6.1%
5-yr fwd EPS growth5.8%
Financial strength
Debt / Equity0.47×
Current ratio1.26×
Altman Z-Score1.9
Interest coverage—
Dividend yield1.0%

Best value in each row is highlighted. Figures are periodic snapshots from the same filings used across each dossier; a dash means the figure is not available.

AI-assisted, source-linked narrative; figures from company filings (SEC EDGAR) and market data. Dates shown per section. Not investment advice. Terms of Use.