PYPL
Financial ServicesPayPal Holdings, Inc. · Financial - Credit Services · $39B
PYPL Price History
-80.3% 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.
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- ✓Detailed 6-pillar UQS breakdown with exact scores
- ✓All 29 metrics with sector-calibrated comparisons
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Pro Analysis
PYPL — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 13, 2026 | 63.4 | 76.2 | 54.0 | 32.0 | 71.1 | 92.3 | -0.1 |
| May 12, 2026 | 63.5 | 76.2 | 54.0 | 32.0 | 71.1 | 92.8 | +0.2 |
| May 7, 2026 | 63.3 | 77.2 | 54.0 | 31.5 | 68.6 | 92.4 | +0.2 |
| May 1, 2026 | 63.1 | 77.2 | 54.0 | 31.5 | 68.6 | 91.2 | +0.1 |
| Apr 26, 2026 | 63.0 | 77.2 | 54.0 | 31.5 | 68.6 | 90.9 | -0.2 |
| Apr 21, 2026 | 63.2 | 77.2 | 54.0 | 31.7 | 68.6 | 91.5 | +0.1 |
| Apr 19, 2026 | 63.1 | 77.2 | 54.0 | 31.6 | 68.6 | 91.1 | -0.1 |
| Apr 18, 2026 | 63.2 | 77.2 | 54.0 | 31.6 | 68.6 | 92.0 | +0.1 |
| Apr 15, 2026 | 63.1 | 77.2 | 54.0 | 31.6 | 68.6 | 91.0 | +0.1 |
| Apr 14, 2026 | 63.0 | 77.2 | 54.0 | 31.6 | 68.6 | 90.8 | +1.0 |
PYPL — Pillar Breakdown
Quality
— 76.2/100 (25%)PayPal Holdings, Inc. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 32.2/100 (20%)PayPal Holdings, Inc. faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 71.1/100 (15%)PayPal Holdings, Inc. maintains a reasonable risk profile with manageable debt levels.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 93.0/100 (15%)PayPal Holdings, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
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
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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.