PYPL

$39.90

Public overview and default valuation.

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Valuation Details
Default assumptions: 10Y forecast, 9% market return, 2.5% terminal growth, 6.88% trendline growth.
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$138.96

With 20% Margin of Safety (MoS):

$111.17
▲ 178.62% upside
Capital Efficiency
Average Quarterly ROIC
6.75%
Cost of Capital (estimated)11%
Value StatusUnderperforming Capital

The company is earning below its required return. This may indicate inefficient use of capital or excess cash that isn't being reinvested.

Complete historical ROIC is available with
.
Fundamental Score
66
BullishWeighted across 6 signals
DCF Discount
178.6% discount to price
100
FCF Yield
19.5% trailing FCF yield
100
ROIC vs WACC
ROIC 6.8% vs WACC 11.0% (0.6x)
31
Net Debt / FCF
Net cash position
100
Buybacks
Share count shrinking
80
FCF CAGR (5Y)
0.5% 5Y FCF CAGR
25
Strengths: DCF Discount, FCF Yield. Concerns: ROIC vs WACC, FCF CAGR (5Y).
Narrative Score
16
Broken
Weighted across 6 recent drivers · Last 30 daysVs 6-Month Baseline: Low (9th pct)
Trend: Deteriorating downConfidence: 100%Updated: 3h ago
Sources: 223 (News 200 · Analyst 23)
Drivers
149 news sentiment-7.5
6 earnings miss-2.8
27 regulatory scrutiny+0.6
7 analyst downgrades-0.6
3 downgrade headlines-0.3
6 upgrade headlines-0.2
Other Metrics
P/E7.1
Profit Margin15.8%
Owner Earnings$7.05b
One Dollar Premise3.00%
Debt/Equity2.97
Current Ratio1.31
PEG0.852
Free Cash Flow (in millions)
20122013201420152016201720182019202020212022202320242025
$2,076$2,384$2,712$3,268$3,827$3,198$6,303$4,775$7,085$6,705$6,519$5,466$8,133$7,268
How Intrinziq Estimates Fair Value

Intrinziq estimates PayPal Holdings, Inc.'s intrinsic value using a discounted cash flow (DCF) model based on free cash flow trends and a market-based discount rate. The model projects future cash flows over ten years and discounts them using a market return assumption to estimate fair value.

PayPal Holdings, Inc.Financial Services

PayPal Holdings, Inc. operates a technology platform that enables digital payments on behalf of merchants and consumers worldwide. It provides payment solutions under the PayPal, PayPal Credit, Braintree, Venmo, Xoom, Zettle, Hyperwallet, Honey, and Paidy names. The company's payments platform allows consumers to send and receive payments in approximately 200 markets and in approximately 100 currencies, withdraw funds to their bank accounts in 56 currencies, and hold balances in their PayPal accounts in 25 currencies. PayPal Holdings, Inc. was founded in 1998 and is headquartered in San Jose, California.

Last updated: Feb 06, 2026
Data sources: Financial Modeling Prep
This valuation is based on assumptions and publicly available data. It is not financial advice or a recommendation to buy or sell any security. Always do your own research before making investment decisions.