PYPLPYPL
US • —
$43.18
P/E
8.08
PEG
0.41
FCF Yield
—
Rev Growth YoY
+5.8% YoY
Gross Margin
40.9%
Health Score
7/10
D/E Ratio
0.56
Confidence
LOW
Business Snapshot
PayPal operates a digital payments platform that enables consumers and merchants to send and receive payments online, including its core PayPal checkout, Venmo, and Braintree products. The company operates in the highly competitive digital payments market, facing pressure from fintech challengers while maintaining a strong brand presence as an established industry leader. Specific market cap and revenue figures are unavailable in the available data, limiting a precise assessment of financial scale. A defining characteristic of PayPal remains its two-sided network effect, connecting millions of merchants with hundreds of millions of active consumer accounts.
Financial Health
Gross margin stands at 40.9%, though a prior-year comparison is unavailable to assess direction. Net margin of 15.0% is healthy, indicating the company retains a solid portion of revenue as profit after all expenses...
Risk Assessment
- VALUATION — P/E of 8.08x is well below the sector average of 22x; while suggesting value, the discount may indicate structural market concerns about growth or competitive dynamics.
- ANALYST SENTIMENT — Only 27% of analysts rate the stock a buy, compared to 65% hold, reflecting limited Wall Street conviction.
- INSIDER ACTIVITY — Insiders recorded 1 buy versus 3 sells over the last 90 days, a net selling pattern that often signals a lack of confidence from those closest to the business.
- REVENUE GROWTH — Revenue growth of only 5.8% YoY is modest, indicating the company is not in a high-growth phase and may face challenges reigniting top-line momentum.
- TECHNICALS — RSI, MACD, and moving average data unavailable for this period; momentum cannot be independently confirmed....
Gross margin stands at 40.9%, though a prior-year comparison is unavailable to assess direction. Net margin of 15.0% is healthy, indicating the company retains a solid portion of revenue as profit after all expenses. Debt/equity of 0.56x is manageable, and the current ratio of 1.29x suggests adequate short-term liquidity. Return on equity is robust at 25.1%, demonstrating efficient use of shareholder capital. Free cash flow figures are not provided in the payload, which prevents a full assessment of cash generation. Overall, the balance sheet appears financially sound with manageable leverage, supporting reinvestment in the business and potential shareholder returns.
- VALUATION — P/E of 8.08x is well below the sector average of 22x; while suggesting value, the discount may indicate structural market concerns about growth or competitive dynamics. - ANALYST SENTIMENT — Only 27% of analysts rate the stock a buy, compared to 65% hold, reflecting limited Wall Street conviction. - INSIDER ACTIVITY — Insiders recorded 1 buy versus 3 sells over the last 90 days, a net selling pattern that often signals a lack of confidence from those closest to the business. - REVENUE GROWTH — Revenue growth of only 5.8% YoY is modest, indicating the company is not in a high-growth phase and may face challenges reigniting top-line momentum. - TECHNICALS — RSI, MACD, and moving average data unavailable for this period; momentum cannot be independently confirmed.
Unlock the full AI report
Full 8-section analysis includes:
Metric deep-dives