Stocktoria
PayPal Holdings, Inc. PYPL
PayPal Holdings, Inc. (PYPL) earns a Piotroski F-score of 8/9 (strong financial health), with an Altman Z″ in the safe zone. It pays a dividend yielding 0.33% (safety: safe). FY2025 revenue was $33.2B at a 15.8% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-08-03 | Cantor Fitzgerald | Neutral (main) |
| 2026-07-29 | JP Morgan | Neutral (main) |
| 2026-07-29 | TD Cowen | Hold (main) |
| 2026-07-29 | RBC Capital | Outperform (main) |
| 2026-07-29 | Susquehanna | Positive (main) |
| 2026-07-29 | Wells Fargo | Equal-Weight (main) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Forward estimates · earnings calendar →
Consensus analyst estimates and scheduled dates — forward-looking, may change.
How it ranks in Services · percentile among 982 companies
Percentile vs other Services companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 8/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″ components · safe zone
| Component | Value |
|---|---|
| Working capital / assets | 0.166 |
| Retained earnings / assets | 0.405 |
| EBIT / assets | 0.076 |
| Equity / liabilities | 0.338 |
Sector peers · similar-size Services companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| PYPL | PayPal Holdings, Inc. | 8/9 | 3.27 | 7.5 | +4.3% |
| MA | Mastercard Inc | 5/9 | 7.74 | — | +16.4% |
| MELI | MERCADOLIBRE INC | 5/9 | 1.9 | 42.5 | +39.1% |
| DIDIY | DiDi Global Inc. | 5/9 | 1.15 | — | +32.7% |
| V | VISA INC. | 5/9 | 2.94 | 31.3 | +11.3% |
| FISV | FISERV INC | 5/9 | 2.15 | 7.6 | +3.6% |
| AMTM | Amentum Holdings, Inc. | 6/9 | 1.29 | 75 | +71.6% |
About PayPal Holdings, Inc.
PayPal Holdings, Inc. operates a technology platform that enables digital payments for merchants and consumers worldwide. The company operates a two-sided network at scale that connects merchants and consumers that enables its customers to connect, transact, and send and receive payments through online and in person, as well as transfer and withdraw funds using various funding sources, such as bank accounts, PayPal or Venmo account balance, consumer credit and debit products, credit and debit cards, and cryptocurrencies, as well as other stored value products, including gift cards and eligible rewards. It provides payment solutions under the PayPal, PayPal Credit, Braintree, Venmo, Xoom, Hyperwallet, Honey, and Paidy names. The company was founded in 1998 and is headquartered in San Jose, California.
FAQ
Is PYPL financially healthy?
PayPal Holdings, Inc.'s Piotroski F-score is 8/9 (8–9 is excellent, 0–3 weak), and its Altman Z″ distress score is in the safe zone.
Does PYPL pay a dividend, and is it safe?
Yes. PayPal Holdings, Inc. pays a dividend yielding about 0.33% with a 2.5% payout ratio, rated “safe” for safety.
How profitable is PYPL?
In FY2025, PayPal Holdings, Inc. had a net margin of 15.8% and a return on equity of 25.8%.
Is PYPL overvalued or undervalued?
PayPal Holdings, Inc. trades at about 10.9× trailing earnings — below its 10-year norm (10-year range 9.7×–66.2×, median 48.8×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for PYPL?
The average Wall-Street price target for PayPal Holdings, Inc. is $58.83, about 0.6% below the recent price, from 33 analysts (consensus: hold).
Is PYPL a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on PayPal Holdings, Inc.: a Piotroski F-score of 8/9, an Altman Z″ in the safe zone, a P/E of about 7.5×, a dividend yield of 0.33%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.