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PayPal Holdings Inc

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PayPal Holdings Inc
PYPL Financial Services
$58.32 ▲ +4.01%
+$2.25 today · as of 29 Jul 2026
50 S.I.F.T
S.I.F.T.™ Analysis
Red
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Caution – significant pillar weakness detected.
Last updated: 29 Jul 2026 · Confidence: 55%
Pillar Breakdown
🛡 Safety 40
Balance sheet or moat concerns are weighing on the score.
💰 Income 35
High cyclicality and lack of recurring revenue are limiting stability.
📊 Fundamentals 45
Strong growth but valuation is elevated.
⏱ Time 65
Shorter track record or weaker tailwinds.
🧠 Munger Reality Filter AVOID

Weak moat with limited competitive advantages, evidenced by low fundamentals and safety scores in a competitive fintech space.

Strengths: Longest track record with time_in_market score of 65, Established brand in financial services sector
Risks: Low safety pillar score of 40 indicating high vulnerability, Poor income stability at 35 and fundamentals at 45, High debt_to_cfo ratio of 9.47 and zero warchest_pct, Low ROE of 6.28% with minimal dividend yield
📈 Price History

Business Overview

Key Metrics
ROE (10yr)
6.3%
Debt / CFO
N/A
Div. Yield
0.00%
FCF Growth
0.0%

FAQ

Financial Details

Recent Quarters
Quarter Revenue Gross Profit EPS
No quarterly data available.
Segment Breakdown
Data Center 56%
Client 28%
Gaming 9%
Embedded 7%

Management

Leadership Summary
  • New CEO driving operational efficiency and platform modernization post-2023 transition.
  • Focus on profitable growth through Venmo, Braintree, and merchant services expansion.
  • Emphasis on cost discipline and margin improvement amid competitive pressures.
  • Strategic investments in AI and checkout experiences to enhance user retention.
Track Record

Leadership has delivered consistent revenue growth and ecosystem expansion over the past decade, though recent years show slower user acquisition and increased competition from Apple Pay and Stripe.

Recent Commentary

“In Q2 2024 earnings, management highlighted 8% revenue growth, Venmo transaction volume increases, and reiterated 2024 operating margin targets while noting regulatory headwinds in Europe.”

Analyst Reviews & Risks

Wall Street Consensus
4.6
out of 5 (Strong Buy)
Average Target: $485.00
Key Investment Risks
  • Low safety pillar score of 40 indicating high vulnerability
  • Poor income stability at 35 and fundamentals at 45
  • High debt_to_cfo ratio of 9.47 and zero warchest_pct
  • Low ROE of 6.28% with minimal dividend yield
Ownership & Sentiment

Institutional Ownership: N/A%

Short Interest: N/A%

AI Investment Thesis
  • PayPal maintains a dominant position in digital payments with over 400 million active accounts providing strong network effects.
  • Secular tailwinds from e-commerce growth and shift to contactless/mobile payments support long-term volume expansion.
  • BNPL initiatives via Venmo and partnerships create diversified revenue streams beyond core transaction fees.
  • Operational efficiencies and cost discipline offer potential for margin expansion and improved profitability.
  • Attractive valuation relative to growth peers provides a compelling risk-reward for patient investors.
Key Catalysts & Risks
Catalysts
  • Stronger-than-expected quarterly results driven by volume recovery.
  • New product launches or international market expansions.
  • Strategic acquisitions or partnerships enhancing ecosystem.
Risks
  • Intense competition from Apple Pay, Stripe, and crypto alternatives.
  • Regulatory scrutiny on fees, data privacy, and antitrust issues.
  • Cybersecurity threats and macroeconomic sensitivity to consumer spending.
Peer Comparison
Company P/E Rev Growth Gross Margin ROE Debt/Equity
NVDA N/A N/A% N/A% 61.51% 0.51
INTC N/A N/A% N/A% -5.53% 6.65
AVGO N/A N/A% N/A% 16.36% 2.72
AMD N/A N/A% N/A% 6.29% 1.78
  • ...

    Investors

     0

  • Ticker

     PYPL
  • ...

    Sector

     Financial Services

  • Current Price

     $58.32

  • S.I.F.T. Score

     50
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