October 27, 2025 a 08:00 am
PYPL: Fundamental Ratio Analysis - PayPal Holdings, Inc.
PayPal Holdings, Inc. continues to be an influential player in the digital payments industry. Despite recent market volatility, the company's broad suite of services positions it for continued growth. While it faces competitive pressures, its fundamental ratings show resilience and potential for long-term value.
Fundamental Rating
PayPal's current fundamental scores reflect its stable financial footing in the market, with particular strengths in its return metrics.
| Category | Rating | Score |
|---|---|---|
| Discounted Cash Flow | 4 | |
| Return on Equity | 5 | |
| Return on Assets | 5 | |
| Debt to Equity | 2 | |
| Price to Earnings | 2 | |
| Price to Book | 1 |
Historical Rating
The historical ratings show a slight decrease in PayPal's overall score, indicating potential market challenges ahead.
| Date | Overall Score | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|
| 2025-10-24 | 3 | 4 | 5 | 5 | 2 | 2 | 1 |
| Previous | 0 | 4 | 5 | 5 | 2 | 2 | 1 |
Analysts' Price Targets
Analysts maintain a positive outlook on PayPal with a median price target significantly above current levels.
| High | Low | Median | Consensus |
|---|---|---|---|
| $75 | $65 | $74 | $72.57 |
Analyst Sentiment
Market sentiment remains predominantly positive, with a strong majority of analysts recommending a 'Buy'.
| Recommendation | Count | Distribution |
|---|---|---|
| Strong Buy | 0 | |
| Buy | 36 | |
| Hold | 30 | |
| Sell | 2 | |
| Strong Sell | 0 |
Conclusion
PayPal Holdings, Inc. continues to demonstrate strength in its return metrics, despite challenges in its debt-to-equity and price metrics. The market's optimistic projection of PayPal's price target underlines potential growth, although the presence of 'Hold' recommendations reflects cautious sentiment about market conditions. Competitive pressures and the evolving fintech landscape present risks. Nonetheless, PayPal's established global presence and diversified services offer solid opportunities for the future.