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PAYP

PAYP

PayPay Corporation

$14.59
-0.58
 (-3.82%)
Exchange:  NASDAQ
Market Cap:  9.876B
Shares Outstanding:  629.328M
Delayed data
Calculate PAYP Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Technology
Industry:  Software – Infrastructure
   
CEO:  Ichiro Nakayama
Full Time Employees:  2012
Address: 
Yotsuya Tower
Shinjuku
160-0004
JP
Website:  https://paypay.ne.jp
PayPay Corporation is a leading Japanese financial technology firm that delivers a comprehensive digital finance platform. This platform offers a wide array of user-friendly payment solutions and various other financial services across Japan. The company’s operations are strategically divided into two main segments: Payment and Financial Services. The Payment division is primarily responsible for facilitating transaction settlements and related functionalities, predominantly via its popular PayPay mobile application. Additionally, this segment provides credit options, including revolving credit, installment payment schemes, and instant cash advances. Conversely, the Financial Services division encompasses a diverse portfolio of offerings such as online banking, securities brokerage, investment services tied to PayPay Points, and comprehensive loan management. Its extensive suite of services covers numerous payment methods—from direct and balance-based payments to credit and linked account payments, utility bill and tax payments, and merchant acquiring services. On the financial side, it includes digital banking, deposit accounts and remittance, various lending products, securities trading (including digital securities, app-based investment, automated investing, and CFD trading), foreign exchange transactions, and sophisticated asset and loan management capabilities, often integrated with its proprietary credit engine. Beyond its core financial offerings, PayPay also provides additional value-added services for both individual users and business clients, such as insurance products and marketing solutions for merchants. All these services are offered under the widely recognized PayPay brand. Founded in 2018, PayPay Corporation is headquartered in Shinjuku, Japan.

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Revenue Segmentation

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EPS

Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202220232024
Revenue197,212,000248,011,000292,037,000
Gross Profit166,736,000210,247,000250,554,000
EBITDA-4,378,00020,533,00060,606,000
Operating Income-20,548,00011,00035,510,000
Net Income-25,856,000-3,350,00036,170,000

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(* All numbers are in thousands)

Balance Sheet

Year202220232024
Total Assets3,288,268,0003,806,382,0004,042,105,000
Total Liabilities3,096,728,0003,615,131,0003,818,374,000
Total Stockholders Equity72,057,00065,162,00099,895,000
Total Debt503,238,000610,952,000411,675,000
Cash and Cash Equivalents859,313,000742,693,000369,077,000

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(* All numbers are in thousands)

Cash Flow Statement

Year202220232024
Operating Cash Flow-194,702,00049,975,000155,849,000
Capital Expenditure-29,381,000-22,495,000-22,086,000
Free Cash Flow-224,083,00027,480,000133,763,000
Net Income-20,548,00011,00034,961,000
Net Change in Cash27,717,000-114,990,000-374,512,000

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2029Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)602,536,347.058Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)652,682,782.228Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)627,666,589.620Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)349,847,008.333Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)378,963,227.476Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)364,438,227.969Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)107,338,126.712Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)164,927,901.428Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)142,183,941.350Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)110,308,666.701Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)119,489,169.140Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)114,909,357.704Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)209.450Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)262.070Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)170.560Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)6Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)6Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
  ?P/S
 (TTM)
: 
4.73
?Net Income
 (TTM)
: 
  ?P/E
 (TTM)
: 
13.68
?Enterprise Value
 (TTM)
: 
1.709T  ?EV/FCF
 (TTM)
: 
5.79
?Dividend Yield
 (TTM)
: 
0  ?Payout Ratio
 (TTM)
: 
0
?ROE
 (TTM)
: 
0.58  ?ROIC
 (TTM)
: 
0.02
?Net Debt
 (TTM)
: 
  ?Debt/Equity
 (TTM)
: 
2.04
?P/B
 (TTM)
: 
5.35  ?Current Ratio
 (TTM)
: 
4.02

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
12.87Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

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Common questions about PAYP valuation

Is PayPay Corporation (PAYP) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for PayPay Corporation (PAYP) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is PAYP a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether PAYP trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is PAYP’s P/E ratio?

You can see PAYP’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for PAYP?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is PAYP a good long-term investment?

Whether PAYP fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

PAYP

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

-3.82
MARKETSnap

Trading Metrics:

Open: 15   Previous Close: 15.17
Day Low: 14.23   Day High: 15.1
Year Low: 14.23   Year High: 24.89
Price Avg 50: 19.93   Price Avg 200: 20.13
Volume: 1.345M   Average Volume: 1.922M

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Relevant news

Anthony, Linder & Cacomanolis Releases Strategic Analysis on PayPay IPO; Transaction Solidifies "Japan Corridor" to U.S. Capital Markets
20-04-2026 08:30
Anthony, Linder & Cacomanolis Releases Strategic Analysis on PayPay IPO; Transaction Solidifies "Japan Corridor" to U.S. Capital Markets
IPO Stock Of The Week: Japan-Based PayPay Nears First Buy Point As Public Company
17-04-2026 15:50
IPO Stock Of The Week: Japan-Based PayPay Nears First Buy Point As Public Company

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