November 03, 2025 a 03:43 pm
PYPL: Fundamental Ratio Analysis - PayPal Holdings, Inc.
PayPal Holdings, Inc. is a dominant player in the digital payments industry, enabling transactions in approximately 200 markets. Recently, the stock has shown promising potential due to its strong global presence and diversified payment platforms. However, investors should consider market competition and regulatory changes that might impact its growth trajectory.
Fundamental Rating
PayPal has a solid fundamental rating of B+, showing strengths in return on equity and assets. Its valuation ratios like price to earnings and price to book suggest areas for improvement.
| Category | Score | Visualization |
|---|---|---|
| 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 scores show stability in PayPal's financial metrics with room for enhanced valuation figures over time.
| Date | Overall | DCF | ROE | ROA | Debt/Equity | P/E | P/B |
|---|---|---|---|---|---|---|---|
| 2025-10-31 | 3 | 4 | 5 | 5 | 2 | 2 | 1 |
| Previous | 0 | 4 | 5 | 5 | 2 | 2 | 1 |
Analyst Price Targets
Analysts provide a positive outlook for PayPal with a consensus price target that suggests growth potential.
| High | Low | Median | Consensus |
|---|---|---|---|
| $100 | $65 | $75 | $78.69 |
Analyst Sentiment
PayPal is mostly favored by analysts with a strong Buy consensus, although some recommend holding due to market uncertainties.
| Recommendation | Count | Distribution |
|---|---|---|
| Strong Buy | 0 | |
| Buy | 36 | |
| Hold | 30 | |
| Sell | 2 | |
| Strong Sell | 0 |
Conclusion
PayPal Holdings, Inc. presents a unique opportunity in the financial services sector with its expansive digital payment ecosystem. The stock exhibits strong fundamentals and analyst optimism, yet valuation concerns may temper short-term expectations. As PayPal navigates a competitive landscape with regulatory scrutiny, long-term growth appears viable. Investors should weigh these factors carefully, assessing the risk against the backdrop of an evolving digital finance environment. Overall, PayPal provides a strategic fit for growth-focused portfolios.