PayPal Holdings, Inc. (PYPL)
NASDAQ · Financials · market cap 39.47B
Share price
$52.94
At the last nightly close
Intrinsic value
$83.71
A single conservative estimate.
Margin of safety
+58.1%
($83.71 − $52.94) ÷ $52.94
EV / EBIT
n/a
Not ranked: financial sector.
How these numbers are computed
The valuations are calculated in Python from filed accounts, not written by a language model. Three methods run side by side: earnings power value, which capitalises a normalised operating profit; a free-cash-flow model; and the Graham Number as an asset-side cross-check. The conservative figure above is the low end of what they agree on.
The frame gives no credit for growth. A company that compounds will therefore read as expensive against it — that is deliberate. It is a price-discipline floor, not a price target, and it is not a view on what the shares will do.
The EV/EBIT ranking uses the median operating profit of up to fifteen fiscal years — a full cycle — where the free screeners use the last twelve months. When the data cannot support a method, the figure reads n/a rather than a number: a free-cash-flow valuation on a bank, a PEG on erratic earnings, a multiple on a company with no operating profit to speak of.
Fundamentals from SEC EDGAR. Prices, market data and technicals from yfinance. Valuation computed 2026-08-29.
Key metrics
Market position
Annual financials
| Period | Revenue | Operating income | Net income | EPS | Free cash flow |
|---|---|---|---|---|---|
| 2025-FY | 33.17B | 6.40B | 5.23B | 5.46 | 5.56B |
| 2024-FY | 31.80B | 5.76B | 4.15B | 4.03 | 6.77B |
| 2023-FY | 29.77B | 4.94B | 4.25B | 3.85 | 4.22B |
| 2022-FY | 27.52B | 4.04B | 2.42B | 2.10 | 5.11B |
| 2021-FY | 25.37B | 4.26B | 4.17B | 3.52 | 4.89B |
Filed figures from SEC EDGAR, in the reporting currency.
Next earnings
Recent news
- PayPal: A Dirt Cheap Nexus Of Catalysts (NASDAQ:PYPL) | Seeking Alphaseekingalpha.com
- PYPL Stock On Track For Second Month Of Gains: PayPal Gets A New Venmo Growth Catalyststocktwits.com
- What Catalysts Are Shifting The Fair Value Story For PayPal Holdings (PYPL)?finance.yahoo.com
- PayPal (PYPL) Earnings: Latest Report, Earnings Call & Financialspublic.com
- PayPal (PYPL) Stock Price, News & Analysismarketbeat.com
Headlines link to their source. Sperio does not republish article text.
The figures above are the arithmetic. To see what a board of eight AI agents makes of them — macro, sector, filings, news and a devil's advocate whose only job is to attack the thesis — run the full analysis on PYPL.
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This page presents computed figures and filed financial data for information only. It is not investment advice, not a recommendation to buy or sell any security, and not a statement about what these shares will do. Sperio is a research tool, not an investment adviser. Figures are derived automatically from public filings and market data and may be incomplete, out of date or wrong. See the Terms & Disclaimer.