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Earnings transcript
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PYPL
PayPal Holdings, Inc.
$42.95
-1.44
(-3.23%)
| Exchange: | NASDAQ |
| Market Cap: | 37.882B |
| Shares Outstanding: | 1.171B |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Financial – Credit Services | |||||
| CEO: | Enrique J. Lores | |||||
| Full Time Employees: | 24400 | |||||
| Address: |
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| Website: | https://www.paypal.com |
PayPal Holdings, Inc. provides a worldwide technological framework that facilitates digital financial transactions for both businesses and individual users. The company offers a wide array of payment services through well-known brands such as PayPal, PayPal Credit, Braintree, Venmo, Xoom, Zettle, Hyperwallet, Honey, and Paidy. Through its extensive platform, consumers are able to send and receive funds across roughly 200 global markets and in approximately 100 different currencies. Additionally, users can transfer money to their bank accounts in 56 currencies and maintain account balances in 25 distinct currencies within their PayPal accounts. Founded in 1998, the company’s corporate headquarters are situated in San Jose, California.
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Revenue Segmentation
EPS
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Earnings Call
AI summary
Key takeaways
Short, structured highlights from the call so you can focus on what matters.
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 29,771,000 | 31,797,000 | 33,172,000 |
| Gross Profit | 13,704,000 | 14,658,000 | 15,465,000 |
| EBITDA | 6,830,000 | 6,743,000 | 7,696,000 |
| Operating Income | 5,028,000 | 5,325,000 | 6,065,000 |
| Net Income | 4,246,000 | 4,147,000 | 5,233,000 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 82,166,000 | 81,611,000 | 80,173,000 |
| Total Liabilities | 61,115,000 | 61,194,000 | 59,917,000 |
| Total Stockholders Equity | 21,051,000 | 20,417,000 | 20,256,000 |
| Total Debt | 9,676,000 | 9,879,000 | 9,987,000 |
| Cash and Cash Equivalents | 9,081,000 | 6,561,000 | 8,049,000 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 4,843,000 | 7,450,000 | 6,416,000 |
| Capital Expenditure | -623,000 | -683,000 | -852,000 |
| Free Cash Flow | 4,220,000 | 6,767,000 | 5,564,000 |
| Net Income | 4,246,000 | 4,147,000 | 5,233,000 |
| Net Change in Cash | 2,678,000 | 556,000 | 2,770,000 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2030 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 42,511,869.508 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 44,523,599.908 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 43,301,400 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 10,953,531.267 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 11,471,870.076 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 11,156,960.262 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 7,210,767.527 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 7,656,850.967 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 7,385,840.007 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 6,179,944.042 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 6,472,388.986 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 6,294,717.970 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 7.630 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 7.910 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 7.450 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 12 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 14 | Research Access | Research Access | Research Access | Research Access |
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Current Key Metrics
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Login — it's freeSWOT Analysis
Strengths (preview)
- Robust Revenue Growth: PYPL has demonstrated consistent revenue increases in recent income statements, reflecting strong demand for digital payment solutions. This aligns with industry trends in the fintech sector, where digital transactions continue to grow.
- Strong Operating Cash Flow: Cash flow statements indicate healthy net cash provided by operating activities, supporting financial stability and the ability to fund innovation or reduce debt. Free cash flow remains solid, providing flexibility for strategic investments.
- Market Leadership in Fintech: As per the company profile, PYPL holds a significant position in the payments industry within the financial services sector, bolstered by a large market capitalization and a global presence, which enhances brand trust and customer retention.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates PYPL intrinsic value between $95.83 – $129.26 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
[intrinsic_calculator]
Common questions about PYPL valuation
Is PayPal Holdings, Inc. (PYPL) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for PayPal Holdings, Inc. (PYPL) 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 PYPL a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether PYPL 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 PYPL’s P/E ratio?
You can see PYPL’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 PYPL?
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 PYPL a good long-term investment?
Whether PYPL 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.
PYPL
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
-3.23
Trading Metrics:
| Open: | 44.57 | Previous Close: | 44.38 | |
| Day Low: | 42.26 | Day High: | 44.57 | |
| Year Low: | 38.46 | Year High: | 79.5 | |
| Price Avg 50: | 45.29 | Price Avg 200: | 54.12 | |
| Volume: | 8.137M | Average Volume: | 15.237M |
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Login — it's freePYPL full analysis
Welcome to MARKETSNAP’s SWOT analysis for PayPal Holdings, Inc. Alright, folks, let’s dive right into one of the heavyweights in the digital payments space. You likely already know PayPal as the go-to platform for online transactions, whether you’re buying something off eBay or splitting a bill with friends through Venmo. So, I’m not gonna bore you with the basics. Instead, let’s talk about what’s been happening lately with PayPal, unpack their financials, and break down the strengths, weaknesses, opportunities, and…
