PayPal Holdings, Inc. (PYPL) Stock

PayPal Holdings, Inc. (PYPL) is a Technology stock trading at $56.58 (as of 2026-07-17), with a market capitalization of $49.91B and a trailing P/E of 10.2. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

PayPal Holdings, Inc. provides a digital payments technology platform that supports transactions for merchants and consumers, offering payment services under brands including PayPal, PayPal Credit, Braintree, Venmo, Xoom, Zettle, Hyperwallet, Honey, and Paidy. It supports payment activities across multiple markets and currencies.

Understand PayPal Holdings, Inc.: how it makes money

PayPal operates a technology platform for digital payments, helping merchants and consumers send and receive money, while monetizing payment processing plus related value-added services.

PayPal’s profit engine is tied mainly to payment transaction revenue, with a smaller contribution from other value-added services revenue on top of core payments.

Revenue by segment (latest quarter)
Txns$7.5B
OVAS$0.8B

Business quality (Solid): Segment and KPI inputs are based on provided revenue line items (transaction revenue and OVAS). Other details needed for deeper operating assessment, like transaction volume or take rate, are not included in the facts provided.

Valuation: Trades at 8× trailing earnings · $39B market cap.

Bull case

  • Global payments reach: The platform supports payments in approximately 200 markets and approximately 100 currencies, with withdrawals to bank accounts in 56 currencies and balances in 25 currencies.
  • Revenue diversification within payments: Revenue is not only transaction-based, it also includes other value-added services revenue (OVAS).

Bear case

  • Core payments sensitivity: Because transaction revenue is the largest component, changes in consumer and merchant payment activity could pressure results.
  • Value-added services contribution is smaller: OVAS is a smaller portion of revenue, so it may not fully offset weakness in transaction revenue.
Valuation — source: SEC EDGAR (first-party)
Price$56.58
Market Cap$49.91B
P/E Ratio10.2
EV / EBITDA4.8
Price / Book2.49
Price / Sales1.52
FCF Yield13.8%
DCF Value (model)$92.27
DCF Upside vs Price63.1%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$33.17B
Net Margin15.8%
Revenue Growth (YoY)4.3%
EPS Growth (YoY)35.5%
FCF Growth (YoY)-17.8%
Financial Health — source: SEC EDGAR
Altman Z-Score1.95 (grey)
Valuation vs Sector & Industry
Stock P/E10.2
Sector P/E (Technology)34.7
Industry P/E (Business Services)30.7
vs Sector-70.7%
vs Industry-66.9%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderVANGUARD GROUP INC ($5.28B)
Institutional Holders Tracked10
Congressional Trades (recent)10
Company
SectorTechnology
IndustryBusiness Services
CEOJamie S. Miller
Employees24,400
CountryUS
IPO Date2015-07-06

Related Companies (Business model: Payments Network / Acquirer / Closed-Loop / Fintech Wallet; 8 closest by market cap)

  • Visa Inc. (V)
  • Mastercard Incorporated (MA)
  • American Express Company (AXP)
  • Affirm Holdings, Inc. (AFRM)
  • Fidelity National Information Services, Inc. (FIS)
  • Toast, Inc. (TOST)
  • Euronet Worldwide, Inc. (EEFT)
  • Usio, Inc. (USIO)
PYPL earnings history · PYPL institutional & insider holders · PYPL KPIs & operating metrics · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-07-17.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.