PYPL

HOLD

PayPal Holdings, Inc.

Financial Services · Rank #33 · Analyzed Oct 18, 2026

$56.70

Current Price

$74.00

Intrinsic Value

+30.5%

Upside/Downside

5.9/10

Score

2.5/5

Quality

Analysis Summary

Valuation Consensus1/3 methods agree

Quality Score2.5/5.0

Framework RatingHOLD

Price vs Intrinsic ValueUndervalued by 30.5%

Fair Value Range

Low$8.59

Base (IV)$74.00

High$86.89

Entry Points

Conservative$6.01

Moderate$8.59

Aggressive$51.80

⚠️ Warnings

Financial sector — DCF less reliable (FCF includes reserves/float)

Quality & Moat Breakdown

Return on Equity24.5% → 1.0/1.0

Debt LevelD/E 72 → 0/1.0

Revenue QualityGrowth 3.3%, margin Δ+1.8% → 0.5/1.0

Moat Strength3.0/5 → 0.5/1.0

Profit Margins14.4% → 0.5/1.0

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.