PayPal Holdings, Inc. (PYPL) is a Financial Services company in the Credit Services industry with a 76% Buy Score. Key strengths include Gross Margin (40.5%), Net Margin (14.4%), Return on Equity (24.5%). The score on this page is a five-factor screen — revenue growth, gross margin, net margin, return on equity and debt-to-equity — each scored against fixed thresholds from a neutral starting point of 50%. The eight-section analysis, including moat, free cash flow, dilution and valuation, runs in the full report.
This analysis is generated by StrongBuyAnalytics AI using publicly available financial data from SEC filings, earnings reports, and market feeds. It is not personalized investment advice. See our methodology and disclaimer.
3 of the inputs in our model moved PYPL's score away from the neutral baseline of 50%, landing it at 76% (Buy). Each one below is a specific figure from PayPal Holdings, Inc.'s reported financials, not a judgement call:
4 data points sit outside the score itself but bear on PayPal Holdings, Inc.'s next few quarters. They are reported here as observations, not predictions:
Compared against other Credit Services companies we cover, picked for having a similar market capitalisation to PYPL.
PayPal Holdings, Inc.'s liquidity and cash generation as of the most recent filing — note the cash position of $11.26B against $14.22B of debt:
Figures are drawn from PayPal Holdings, Inc.'s most recent balance sheet and cash flow statement as filed with the SEC. See the filings themselves.
Institutional investment managers with >$100 M in qualifying assets must disclose their equity positions quarterly on SEC Form 13F — typically within 45 days of quarter-end. Search those filings below to see which hedge funds, mutual funds, and asset managers reported PYPL as a holding, how many shares they held, and how positions changed quarter over quarter.
We do not answer that question for you, and we do not publish buy or sell calls. What we publish is a score: PYPL rates 76% on our five-factor fundamentals screen, which puts it in the "Buy" band. Everything below explains how it got there so you can disagree with it.
PayPal Holdings, Inc. clears our thresholds on most of what we measure. The strongest readings are gross margin (40.5%) and net margin (14.4%). Nothing in the data we score currently works against it.
PayPal Holdings, Inc. reported revenue growth of 4.8% year over year, against a Credit Services peer set where scale and pricing power vary widely. Growth that slow contributes little to the score on its own; margins and capital efficiency carry more weight for PYPL.
Earnings fell -3.1% over the same period, trailing revenue, which points to cost or margin pressure.
Track upcoming report dates on our earnings calendar.
This is a fundamentals outlook, not a price target — we do not publish one. It describes what PayPal Holdings, Inc.'s current financials imply about the next three to twelve months if the trends in them hold.
Constructive: The main thing to watch over the next few quarters is whether those figures hold; the score is built on trailing data and will move if they do not.
These are the PayPal Holdings, Inc. figures that push the score up, taken straight from the most recent reported financials:
See how every metric on this PYPL page — quality score, valuation, DCF scenarios, confidence, and data limitations — fits into a professional research report.
Generate My Free PYPL ReportGuides to the specific measures used in this PYPL analysis:
How the financial statements behind this page fit together.
Understanding P/E RatioWhat PYPL's 10.1x multiple does and does not tell you.
Return on Equity (ROE)Why PYPL's 24.5% return on equity matters for stock selection.
Stock Valuation MethodsHow DCF, multiples and asset-based approaches value a company like PayPal Holdings, Inc..
How to Read Earnings ReportsWhere the PYPL growth and margin figures on this page come from.
What Are Demand Zones?The technical side we deliberately keep out of the PYPL score.
Latest SEC filings for PYPL explained in plain English — insider buys/sells (Form 4), proposed sales (Form 144), material events (8-K), and quarterly & annual reports.
