PYPL
Financial ServicesPayPal Holdings, Inc. · Financial - Credit Services · $51B
PYPL Price History
-75.9% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in PayPal Holdings, Inc.?
Based on PayPal Holdings, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
Unlock Full PYPL Analysis
Sign in to unlock the detailed analysis behind the UQS Score.
- ✓Detailed 6-pillar UQS breakdown with exact scores
- ✓All 29 metrics with sector-calibrated comparisons
- ✓6 investor presets (Buffett, Munger, Lynch, Wood, Graham, Balanced)
- ✓Watchlist tracking with score alerts
- ✓AI-generated investment perspectives across 6 preset views
- ✓Score history chart with change notifications
Pro Analysis
PYPL — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| Aug 20, 2026 | 46.5 | 66.7 | 54.0 | 0.0 | 18.1 | 90.6 | -15.9 |
| Jul 30, 2026 | 62.4 | 76.1 | 54.0 | 33.1 | 67.0 | 88.3 | -0.2 |
| Jul 24, 2026 | 62.6 | 76.2 | 54.0 | 31.9 | 71.1 | 86.9 | 0.0 |
| Jul 23, 2026 | 62.6 | 76.2 | 54.0 | 31.9 | 71.1 | 87.1 | 0.0 |
| Jul 22, 2026 | 62.6 | 76.2 | 54.0 | 31.9 | 71.1 | 86.9 | +0.1 |
| Jul 17, 2026 | 62.5 | 76.2 | 54.0 | 31.9 | 71.1 | 86.5 | -0.1 |
| Jul 16, 2026 | 62.6 | 76.2 | 54.0 | 31.9 | 71.1 | 87.1 | -0.6 |
| Jul 15, 2026 | 63.2 | 76.2 | 54.0 | 31.9 | 71.1 | 90.7 | 0.0 |
| Jul 14, 2026 | 63.2 | 76.2 | 54.0 | 31.9 | 71.1 | 90.4 | 0.0 |
| Jul 12, 2026 | 63.2 | 76.2 | 54.0 | 31.9 | 71.1 | 91.0 | -0.1 |
PYPL — Pillar Breakdown
Quality
— 66.7/100 (25%)PayPal Holdings, Inc. shows solid profitability with healthy returns on capital and reasonable margins.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Free cash flow relative to market value.
Growth
— 0.0/100 (20%)PayPal Holdings, Inc. faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Analyst consensus for future revenue growth.
Risk
— 18.1/100 (15%)PayPal Holdings, Inc. presents elevated risk with concerns around leverage or financial stability.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 92.2/100 (15%)PayPal Holdings, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Enterprise value multiple relative to sector median.
Moat
— 54/100 (25%)PayPal Holdings, Inc. possesses some competitive advantages but faces meaningful competition. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for PYPL.
Score Composition
Financial Data
More Stock Analysis
How is the PYPL UQS Score Calculated?
The UQS (Unified Quality Score) for PayPal Holdings, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses PayPal Holdings, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether PayPal Holdings, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.