PayPal Holdings Inc

PayPal Holdings Inc

PYPL

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Market Cap$39.47B
Close$

Compare to Similar Companies

P/E RatioDividendsReturn on EquityPrice-to-SalesDebt-to-Equity
PayPal Holdings IncPayPal Holdings Inc8.10.63%25%1.20.5

Earnings Call Q1 2026

May 5, 2026 - AI Summary

Strong but mixed performance in Q1; key growth drivers - Total payment volume (TPV): $464B, +11% spot / +8% currency-neutral. - Branded checkout: online branded checkout +2% currency-neutral (improved slightly vs Q4), but U.S. firmer / Europe softer. - Venmo & PSP: Venmo mid-teens TPV growth and PSP mid-teens; Venmo continued double-digit growth for 6 straight quarters. - Transaction margin (TM) dollars ex interest: +3% (excluding interest on customer balances), driven by credit performance, Venmo monetization, PSP profitability, and loss improvement. - Non-GAAP EPS: $1.34, +1% YoY. Adjusted free cash flow: $1.7B in quarter (~$6.8B trailing 12 months).
Guidance reiterated, but near-term YoY pressure expected in Q2 - 2Q expectation: low single-digit revenue growth (CC), ~3% decline in TM dollars (ex interest ~2% decline), nontransaction OpEx mid-single-digit growth, and non-GAAP EPS down high single digits (~-9%). - Full-year 2026 outlook reaffirmed: - TM dollars: ~flat or slight decline (~-3%) excluding interest. - Nontransaction OpEx: ~+3% growth. - Non-GAAP EPS: down low single digits to slightly positive. - Management emphasized the demanding YoY comps and timing of investments/cost savings as the reason Q2 looks weaker.
Capital return: buybacks + dividend support liquidity/returns - Share repurchases: $1.5B in Q1; $6B trailing 12-month total. - Cash/debt position: $13.5B cash/cash equivalents & investments; $11.6B debt at quarter end. - Full-year capital allocation assumption: guidance assumes ~$6B share repurchase and ≥$6B adjusted free cash flow.

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$49.05

Target Price by Analysts

15.1% upsidePayPal Holdings Target Price DetailsTarget Price
$84.74

Current Fair Value

98.9% upside

Undervalued by 98.9% based on the discounted cash flow analysis.

Share Statistics

Market cap$39.47 Billion
Enterprise Value$41.91 Billion
Dividend Yield$0.56 (0.63%)
Earnings per Share$5.46
Beta1.4
Outstanding Shares913,000,000

Return

Return on Equity25.26%ROE
Return on Assets6.28%
Return on Invested Capital19.20%

Valuation & Multiples

P/E Ratio8.08P/E Ratio
PEG-59.73PEG
Price to Sales1.15Price to Sales
Price to Book Ratio2.03Price to Book Ratio
Enterprise Value to Revenue1.24
Enterprise Value to EBIT6.63
Enterprise Value to Net Income8
Total Debt to Enterprise0.22
Debt to Equity0.47Debt to Equity

Revenue Sources

No data

Insider Trades

Last Earnings Call

Report Date
May 5, 2026
EPS Estimate
$1.27
Average shareholder expectation
Revenue Estimate
$8.05 B
Average shareholder expectation

Next Earnings Call

Expected Date
July 28, 2026
EPS Estimate
$1.28
Average shareholder expectation
Revenue Estimate
$8.47 B
Average shareholder expectation

Institutional Put/Call Ratio

Market sentiment based on institutional option activity.

Put/Call Ratio0.7834 12.34%
Total Calls64,141,814 22.59%
Total Puts50,249,882 5.91%

Institutional Ownership

Holdings and activity of institutional investors.

Ownership %67.36% 9.24%
Total Invested$29.21B 29.85%
Investors Holding1,602 262.00%

ESG Score

No data

About PayPal Holdings Inc

21,800 employees
CEO: Daniel Schulman

PayPal has remained at the forefront of the digital payment revolution for more than 20 years. By leveraging technology to make [nancial services and commerce more convenient, a ordable, and secure, the PayPal platform is empowering more...

Relevant Senate Committees

Joint Committee on Taxation

This committee provides the technical expertise and revenue estimates for all tax legislation, directly influencing corporate tax structures and the overall tax burden on financial markets and industries. Its analysis directly impacts PayPal's financial planning and profitability.

Finance

As the most powerful economic committee, it controls taxation and trade policy. Decisions on corporate tax rates, international trade agreements, and tariffs directly impact PayPal's profitability, global operational costs, and overall financial performance as a multinational company.

Agriculture, Nutrition, and Forestry

This committee oversees the CFTC, which is a key player in defining and regulating cryptocurrencies as digital commodities. Given PayPal's increasing involvement in cryptocurrency services, this committee's influence on crypto regulation is directly relevant.

Judiciary

This committee oversees antitrust laws and intellectual property. As a large tech and financial services company, PayPal could be subject to antitrust scrutiny regarding market dominance, M&A activities, or intellectual property disputes, which are directly influenced by this committee.

Banking, Housing, and Urban Affairs

This committee directly regulates the entire financial system, including the Federal Reserve, SEC, and other financial institutions. As a prominent digital payment and financial services platform, PayPal is directly subject to many of the regulations, capital requirements, and emerging cryptocurrency rules overseen by this committee.

Commerce, Science, and Transportation

This committee has vast jurisdiction over interstate commerce, consumer protection (FTC), and 'Big Tech' through privacy and data security regulations. These areas directly impact PayPal's data handling, consumer trust, and operational compliance as a major technology and financial services provider.

Foreign Relations

PayPal operates globally in over 200 markets. The committee's influence on U.S. foreign policy, treaties, and sanctions legislation (e.g., regarding specific countries or entities) directly impacts PayPal's ability to conduct international transactions and maintain its global network.