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PYPL

HOLD

PayPal Holdings, Inc.

Financial Services · Rank #39 · Analyzed Apr 20, 2026

$50.81

Current Price

$544.75

Intrinsic Value

0.0%

Upside/Downside

10/10

Score

3/5

Quality

Analysis Summary

Valuation Consensus1/3 methods agree
Quality Score3/5.0
Framework RatingHOLD
Price vs Intrinsic ValueOvervalued by 0.0%

Fair Value Range

Low$18.01
Base (IV)$544.75
High$807.25

Entry Points

Conservative$18.01
Moderate$281.38
Aggressive$544.75

⚠️ Warnings

  • Financial sector — DCF less reliable (FCF includes reserves/float)
  • Upside capped: raw 1489% exceeds 200% — valuation unreliable

Quality & Moat Breakdown

Return on Equity25.7% → 1.0/1.0
Debt LevelD/E 61 → 0/1.0
Revenue QualityGrowth 3.3%, margin Δ+1.8% → 0.5/1.0
Moat Strength3.5/5 → 0.5/1.0
Profit Margins15.8% → 1.0/1.0

Methodology

This analysis uses a unified valuation framework combining three methods — Discounted Cash Flow (3-scenario), Earnings Power Value, and Asset Valuation — with a quality scoring overlay. A stock needs 2/3 valuation methods to agree and a quality score ≥ 3.5/5 for a BUY rating.

Learn how this framework works →

This is a personal analysis tool, not financial advice. Do your own research before making investment decisions.