What is PayPal Holdings, Inc.'s (PYPL) StockRank?

MoatMap's StockRank for PayPal Holdings, Inc. (PYPL) is 61/100, with a Hold signal. This is a composite score combining Quality (75), Value (51), and Momentum (28) factor ranks across MoatMap's 20,000+ stock universe.

Does PayPal Holdings, Inc. have an economic moat?

PayPal Holdings, Inc. (PYPL) has a Quality factor score of 75/100. 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 financial 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 61/100. 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).

Company Deep Dive

Read the full research report: business segments breakdown, earnings transcripts review, management credibility analysis, competitive landscape, and scenarios.

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PYPL

HOLD

PayPal Holdings, Inc. · Financial Services · United States · $49.5B · Avg Vol: $1.1B/d

StockRank

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P/E (TTM)

10.6x

ROE

25.1%

D/E

0.6x

Dividend %

0.7%

Dir. Trades · 180d

+$254.5K · −$548.3K →

Buybacks · 180d

$6.4B →

COMPANY DESCRIPTION

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.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR	TTM	2026E	2027E	Fwd CAGR
Revenue	27.5B	29.8B	31.8B	33.2B	6.4%	33.7B	34.3B	35.8B	3.9%
EPS	2.10	3.85	4.03	5.46	37.5%	5.35	5.46	5.91	4.1%
Shares	1.1B	1.1B	993.0M	920.0M	-19.0%	882.1M	—	—	—
Debt	10.4B	9.7B	9.9B	10.0B	-1.4%	11.7B	—	—	—
Equity	20.3B	21.1B	20.4B	20.3B	-0.0%	—	—	—	—
Op CF	5.8B	4.8B	7.5B	6.4B	3.3%	6.4B	—	—	—
Inv CF	-3.3B	752.0M	1.7B	797.0M	—	—	—	—	—
Fin CF	-1.2B	-3.0B	-8.3B	-6.0B	—	—	—	—	—

Loading 1Y...

PRICE (1Y)+36.2%

SMA 50SMA 200

$56.15

RSI (14)

82.9

52W High

$78.82

From 52W High

0.7%

SCORE BREAKDOWN

Quality

ROIC

19.4%93.4

ROE

25.1%90.8

GP/Assets

17.2%84.3

Op. Margin

18.0%36.7

FCF/Assets

6.9%83.2

Piotroski

999.8

Int. Cover

14.5x58.0

D/E Ratio

0.58x39.2

Current Ratio

1.26x41.0

Value

P/E (TTM)

10.6x67.0

EV/EBITDA

8.0x55.8

P/FCF

9.0x62.6

P/B

2.5x17.5

P/S

1.5x82.8

Div Yield

0.7%5.2

Momentum

52W High %

71%16.6

RS 6M

-9%32.7

SMA 50/200

0.87x8.6

EPS Rev 4W

-0.1%58.7

EPS Rev 12W

-0.7%44.9

EPS Improve

+7%28.3

Q Growth

-14%19.0

FUNDAMENTALS

Market Cap

$49.5B

P/E (Forward)

9.9x

Gross Margin

40.9%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of PYPL are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
PYPL	PayPal Holdings, Inc.(you)	$49.5B	61	HOLD
SYF	Synchrony Financial	$23.7B	44	HOLD
FCFS	FirstCash Holdings, Inc.	$8.6B	60	HOLD
AFRM.MX	Affirm Holdings, Inc.	$26.8B	37	HOLD
ALLY	Ally Financial Inc.	$13.1B	46	HOLD
COF	Capital One Financial Corporation	$124.4B	37	HOLD
CACC	Credit Acceptance Corporation	$6.0B	66	BUY
M4I.DE	Mastercard Incorporated	$442.3B	51	HOLD
ENVA	Enova International, Inc.	$5.9B	73	BUY
V	Visa Inc.	$676.5B	64	HOLD

Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%