PYPL

HOLD

PayPal Holdings, Inc.

Financial Services · Rank #25 · Analyzed Jul 13, 2026

$46.32

Current Price

$70.14

Intrinsic Value

+51.4%

Upside/Downside

6.5/10

Score

3/5

Quality

Analysis Summary

Valuation Consensus1/3 methods agree

Quality Score3/5.0

Framework RatingHOLD

Price vs Intrinsic ValueUndervalued by 51.4%

Fair Value Range

Low$8.33

Base (IV)$70.14

High$82.18

Entry Points

Conservative$5.83

Moderate$8.33

Aggressive$49.10

⚠️ Warnings

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

Quality & Moat Breakdown

Return on Equity25.1% → 1.0/1.0

Debt LevelD/E 58 → 0.5/1.0

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

Moat Strength3.5/5 → 0.5/1.0

Profit Margins15.0% → 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.