PayPal Holdings, Inc. (PYPL) — Stock Score Summary

PayPal Holdings, Inc. (PYPL) has a MoatMap StockRank of 50/100 based on Quality (70/100), Value (54/100), and Momentum (12/100) factor scores. The current signal is HOLD. PayPal is a high-quality business on paper (Q: 70) but faces structural market share erosion in branded checkout from Apple Pay and others, failing the Nick Sleep 'scale economics shared' moat test.

PayPal Holdings, Inc. is a global leader in digital payments, operating a vast technology platform that facilitates online and mobile money transfers for consumers and merchants worldwide, including brands like PayPal and Venmo. The company's formidable competitive moat stems from its enormous two-sided network effects, strong brand recognition, and extensive global reach, creating a trusted and indispensable ecosystem for digital commerce. This enables it to process massive transaction volumes and leverage data for enhanced user experiences.

Key Financial Metrics

Price$41.22
Market Cap$39.2B
P/E (TTM)8.02
P/E (Forward)7.43
Price/Book1.90
Return on Equity25.1%
Return on Invested Capital20.0%
Debt/Equity58.28
Gross Margin40.9%
Operating Margin18.0%
Revenue Growth7.2%
Dividend Yield1.3%
Free Cash Flow$4.1B

PayPal Holdings, Inc. operates in the Credit Services industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is PayPal Holdings, Inc.’s (PYPL) StockRank?
MoatMap’s StockRank for PayPal Holdings, Inc. (PYPL) is 50/100, with a Hold signal. It is a composite of Quality (70), Value (54), and Momentum (12) factor ranks across MoatMap’s 19,000+ stock universe.
Does PayPal Holdings, Inc. have an economic moat?
PayPal Holdings, Inc. (PYPL) has a Quality factor score of 70/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is PayPal Holdings, Inc. a buy, hold, or sell?
MoatMap’s current signal for PayPal Holdings, Inc. (PYPL) is Hold, based on a StockRank of 50/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is PayPal Holdings, Inc. in?
PayPal Holdings, Inc. (PYPL) operates in the Financial Services sector, specifically the Credit Services industry (United States).
Browse all ranked stocksPYPL deep dive reportAI ChampionsHow we score stocksSense-check another stock