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PayPal Holdings, Inc.

Last Updated
Share Price
$78.83
Market Cap
$91.29B
Dividend Yield
0%
EPS
$3.03
P/E
25.99

PayPal Holdings, Inc. operates a technology platform that enables digital payments on behalf of merchants and consumers worldwide. It provides payment solutions under the PayPal, PayPal Credit, Braintree, Venmo, Xoom, Zettle, Hyperwallet, Honey, and Paidy names. The company's payments platform allows consumers to send and receive payments in approximately 200 markets and in approximately 100 currencies, withdraw funds to their bank accounts in 56 currencies, and hold balances in their PayPal accounts in 25 currencies. PayPal Holdings, Inc. was founded in 1998 and is headquartered in San Jose, California.

0%
Income
  • Revenue $25.37B
  • Gross Profit $14B
  • Net Income $4.17B
  • Gross Margin 55.17%
  • Net Margin 16.43%
Cash Flow
  • Free Cash Flow (FCF) $5.43B
  • Free Cash Flow To Equity (FCFE) $5.07B
  • Dividends Paid $0
  • Debt Repayment $-361M
  • Net Stock Repurchased $3.21B
Balance Sheet
  • Shareholder Equity $21.73B
  • Debt To Equity (D/E) 248.89%
  • Book Value $21.73B
  • Book Value Per Share (BVPS) $0
  • Return On Invested Capital (ROIC) 17.22%
The financial metrics for PayPal Holdings, Inc. presented below are for the financial year 2021.
P/E 53.1 Price To Earnings Ratio
P/S 8.73 Price To Sales Ratio
P/B 10.19 Price To Book Ratio
P/CF 34.92 Price To Operating Cash Flow Ratio
P/FCF 40.76 Price To Free Cash Flow Ratio
P/FCFE 43.66 Price To Levered Free Cash Flow Ratio
P/EBT 54.01 Price To Pre-Tax Income
PEG -65.71 Trailing Price/Earnings To Growth Ratio
EV/Sales 8.88 Enterprise Value To Sales Ratio
EBIT/EV 0.02 EBIT To Enterprise Value Ratio
EV/EBITDA 40.25 Enterprise Value to EBITDA Ratio
D/E 2.49 Debt To Equity Ratio
ROE 19.97% Return On Equity
ROIC 17.22% Return On Invested Capital
DPR 0% Dividend Payout Ratio
Current Ratio 1.22 Current Liquidity Ratio
EPS Growth -0.81% Earnings Per Share Growth Rate
Graham Number $38.45 Benjamin Graham's Number
Piotroski Score N/A Piotroski F-Score
Beta N/A Beta Coefficient Value
    2021 2020 2019 2018 2017 2016 2015 2014 2013 2012
Revenue $25.37B$21.45B$17.77B$15.45B$13.09B$10.84B$9.25B$8.03B$6.73B$5.66B
Cost of Revenue $11.38B$11.45B$9.79B$8.34B$5.43B$4.43B$3.42B$2.82B$2.34B$1.88B
Gross Profit $14B$10B$7.99B$7.11B$7.66B$6.41B$5.83B$5.21B$4.39B$3.78B
Gross Profit Margin 55.17%46.62%44.94%46.04%58.53%59.1%63.03%64.91%65.26%66.74%
Operating Expenses $9.67B$6.57B$5.2B$4.61B$5.41B$4.82B$4.32B$3.94B$3.3B$2.88B
Research & Development Expenses (R&D) $0$0$2.08B$1.07B$953M$834M$947M$890M$727M$677M
Selling, General & Administrative Expenses (SG&A) $9.67B$6.57B$5.2B$2.76B$3.65B$3.26B$2.77B$2.54B$2.12B$1.82B
Other Expenses $0$0$-2.08B$776M$805M$724M$608M$516M$453M$382M
Net Income $4.17B$4.2B$2.46B$2.06B$1.79B$1.4B$1.23B$419M$955M$778M
Net Profit Margin 16.43%19.59%13.84%13.31%13.71%12.92%13.28%5.22%14.2%13.74%
Operating Income $4.26B$3.29B$2.72B$2.19B$2.13B$1.59B$1.46B$1.27B$1.09B$880M
Other Income & Expenses (Net) $-163M$1.78B$279M$182M$73M$45M$27M$-7M$-7M$11M
Depreciation & Amortization $1.26B$1.19B$912M$776M$805M$724M$608M$516M$453M$382M
Interest Income $57M$88M$197M$168M$0$0$0$0$0$0
Interest Expense $232M$209M$115M$77M$0$0$0$0$0$0
Income Tax Expense $-70M$863M$539M$319M$405M$230M$260M$842M$129M$113M
Effective Tax Rate -1.71%17.04%17.98%13.43%18.41%14.1%17.47%66.77%11.9%12.68%
EBITDA $5.6B$6.46B$4.03B$3.23B$3B$2.35B$2.1B$1.78B$1.54B$1.27B
EBIT $4.33B$5.27B$3.11B$2.45B$2.2B$1.63B$1.49B$1.26B$1.08B$891M
EBT N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Shares Outstanding 1.17B1.17B1.17B1.18B1.2B1.21B1.22B1.25B1.22B1.22B
Diluted Shares Outstanding 1.19B1.19B1.19B1.2B1.22B1.22B1.23B1.26B1.23B1.23B
EPS $3.55$3.58$2.09$1.74$1.49$1.16$1$0.31$0.79$0.64
Diluted EPS $3.51$3.54$2.07$1.71$1.47$1.15$1$0.31$0.78$0.63
    2021 2020 2019 2018 2017 2016 2015 2014 2013 2012
Operating Cash Flow $6.34B$5.85B$4.56B$5.48B$2.53B$3.16B$2.55B$2.22B$1.99B$1.56B
Net Income $4.17B$4.2B$2.46B$2.06B$1.79B$1.4B$1.23B$419M$955M$778M
Depreciation & Amortization $1.26B$1.19B$912M$776M$805M$724M$608M$516M$453M$382M
Deferred Income Tax $-482M$165M$-269M$-171M$-1.3B$52M$127M$680M$52M$46M
Stock-Based Compensation $1.38B$1.38B$1.02B$853M$733M$438M$346M$299M$253M$205M
Change In Working Capital $-1.1B$-952M$-585M$622M$-581M$-481M$-506M$-299M$-146M$-154M
Other Non-Cash Items $1.11B$-126M$1.02B$1.35B$1.08B$1.02B$743M$605M$426M$308M
Cash From Investing $-5.49B$-16.22B$-5.73B$840M$-5.36B$-5B$-6.39B$-1.55B$-1.72B$-1.53B
Purchases Of Investments $-40.12B$-41.51B$-27.88B$-22.38B$-19.42B$-21.04B$-7.54B$-76M$-610M$-265M
Sales / Maturities of Investments $39.7B$30.91B$24.88B$21.9B$18.45B$18.43B$3.32B$409M$320M$180M
Property, Plant & Equipment Investments $-908M$-866M$-704M$-823M$-667M$-669M$-722M$-492M$-391M$-511M
Net Acquisitions $-2.76B$-3.61B$-70M$-2.12B$-323M$-19M$-1.23B$0$0$0
Other Investing Activites $-1.4B$-1.14B$-1.96B$4.27B$-3.4B$-1.7B$-218M$-1.39B$-1.04B$-930M
Cash From Financing $-764M$12.49B$3.69B$-1.26B$4.08B$2.04B$3.08B$-51M$-85M$-210M
Debt Repayment $-361M$-3B$-2.52B$-1.11B$0$-21M$-862M$0$-133M$0
Dividend Payments $0$0$0$0$0$0$0$0$0$0
Payout Ratio 0%0%0%0%0%0%0%0%0%0%
Net Common Stock Repurchased $3.21B$1.5B$1.27B$3.38B$862M$886M$-75M$0$0$0
Common Stock Repurchased $-3.37B$-1.64B$-1.41B$-3.52B$-1.01B$-995M$0$0$0$0
Common Stock Issued $3.21B$1.5B$1.27B$3.38B$862M$886M$-75M$0$0$0
Other Financing Activites $2.81B$16.99B$7.48B$3.23B$4.95B$2.94B$3.87B$-51M$48M$-210M
Accounts Receivables $-222M$-100M$-129M$-59M$12M$-77M$-22M$-13M$1M$-20M
Accounts Payables $-31M$-4M$503M$26M$62M$11M$12M$42M$-13M$1M
Inventory $0$0$0$0$0$0$0$0$0$0
Other Working Capital $-1.18B$-1.12B$-1.08B$-1.05B$-817M$-643M$-493M$-39M$-304M$-163M
Capital Expenditure (CAPEX) $-908M$-866M$-704M$-823M$-667M$-669M$-722M$-492M$-391M$-511M
Effect Of Foreign Exchange On Cash $-102M$169M$-6M$-113M$36M$0$-44M$-26M$3M$-1M
Net Change In Cash $-11M$2.3B$2.51B$4.95B$1.29B$197M$-808M$597M$190M$-172M
Free Cash Flow (FCF) $5.43B$4.99B$3.86B$4.66B$1.86B$2.49B$1.82B$1.73B$1.6B$1.05B
Free Cash Flow To Equity (FCFE) $5.07B$1.99B$1.34B$3.54B$1.86B$2.47B$962M$1.73B$1.47B$1.05B
    2021 2020 2019 2018 2017 2016 2015 2014 2013
Total Assets $75.8B$70.38B$51.33B$43.33B$40.77B$33.1B$28.88B$21.92B$19.16B
Total Current Assets $52.57B$50.99B$38.49B$32.96B$32.65B$25.73B$20.65B$17.57B$14.62B
Cash & Short-Term Investments $9.5B$13.08B$10.76B$9.11B$5.7B$4.97B$3.41B$2.23B$1.93B
Cash & Cash Equivalents $5.2B$4.79B$7.35B$7.58B$2.88B$1.59B$1.39B$2.2B$1.6B
Short-Term Investments $4.3B$8.29B$3.41B$1.53B$2.81B$3.38B$2.02B$29M$321M
Net Receivables $41.79B$36.76B$26.93B$22.91B$26.24B$19.93B$16.58B$14.96B$12.43B
Inventory $0$0$0$0$0$0$0$0$0
Other Current Assets $1.29B$1.15B$800M$947M$713M$833M$655M$378M$267M
Total Non-Current Assets $23.23B$19.38B$12.84B$10.37B$8.13B$7.37B$8.23B$4.35B$4.54B
Property, Plant & Equipment (PP&E) $1.91B$1.81B$1.69B$1.72B$1.53B$1.48B$1.34B$922M$858M
Goodwill & Intangible Assets $12.79B$10.18B$6.99B$7.11B$4.51B$4.27B$4.43B$3.35B$3.44B
Goodwill $11.45B$9.13B$6.21B$6.28B$4.34B$4.06B$4.07B$3.19B$3.19B
Intangible Assets $1.33B$1.05B$778M$825M$168M$211M$358M$156M$258M
Long-Term Investments $6.8B$6.09B$2.86B$971M$1.96B$1.54B$2.35B$31M$196M
Other Non-Current Assets $1.74B$1.3B$1.29B$565M$133M$79M$114M$54M$41M
Other Assets $0$0$0$0$0$0$0$0$0
Total Liabilities $54.08B$50.32B$34.4B$27.95B$24.78B$18.39B$15.12B$13.67B$11.77B
Total Current Liabilities $43.03B$38.45B$26.92B$25.9B$22.86B$16.88B$13.62B$13.28B$11.26B
Accounts Payables $39.04B$35.67B$24.76B$21.84B$20B$15.36B$12.41B$10.73B$9.35B
Short-Term Debt $999M$0$0$2B$1B$0$0$0$0
Deferred Revenue $0$0$0$0$0$0$0$0$0
Other Current Liabilities $2.99B$2.78B$2.16B$2.06B$1.86B$1.52B$1.21B$2.56B$1.91B
Total Non-Current Liabilities $11.05B$11.87B$7.49B$2.04B$1.92B$1.51B$1.5B$386M$509M
Long-Term Debt $8.05B$8.94B$4.96B$0$0$0$0$386M$509M
Other Non-Current Liabilities $0$0$0$0$0$0$0$0$0
Total Debt $9.05B$8.94B$8.38B$2B$1B$0$0$1.48B$1.61B
Total Shareholder Equity $21.73B$20.02B$16.89B$15.39B$15.99B$14.71B$13.76B$8.25B$7.39B
Common Stock $0$0$0$0$0$0$0$0$0
Retained Earnings $16.54B$12.37B$8.34B$5.88B$3.82B$2.07B$668M$0$0
Accumulated Other Comprehensive Income Loss (AOCL) $-136M$-484M$-173M$78M$-142M$59M$-9M$-1.94B$-1.54B
Other Shareholder Equity $0$0$8.72B$9.43B$12.31B$12.58B$13.1B$10.19B$8.94B
Total Investments $11.1B$14.38B$6.28B$2.5B$4.77B$4.92B$4.37B$60M$517M
Net Debt $3.85B$4.14B$1.03B$-5.58B$-1.88B$-1.59B$-1.39B$-722M$8M
Book Value $21.73B$20.06B$16.93B$15.39B$15.99B$14.71B$13.76B$8.25B$7.39B

Discounted Cash Flow

Use the Discounted Cash Flow (DCF) tool to estimate the intrinsic value of PayPal Holdings, Inc. stock.

Assumptions
Forecast Period
Required Return
  Low Mid High
Revenue Growth
FCFE Margin
Perpetual Growth
Terminal P/FCFE
Assumptions

The number of assumptions to make for each forecast.

Forecast Period

The number of years to forecast future cash flows. These future cash flows are used to determine the intrinsic present value for the stock.

It is generally recommended to select a longer period for more established companies with stable financial histories.

Forecast Period

The compounding annual rate of return required, according to your investment objectives. This is used to discount back future cash flows.

Revenue Growth

Estimate the annual compounding revenue growth rate. You can use the historical compounding annual growth rates provided below as a guide.

  • 1 Year 16.72%
  • 3 Years 16.75%
  • 5 Years 16.76%
  • 10 Years 16.52%
Levered Free Cash Flow Margin

Estimate levered free cash flow (FCFE) as a percentage of revenue. You can use the historical margins provided below as a guide.

  • 1 Year 19.99%
  • 3 Years 12.27%
  • 5 Years 14.8%
  • 10 Years 16.72%
Perpetual Growth Rate

Estimate the compounding annual growth rate at which revenues will grow in perpetuity after the forecast period. This is the first method used to calculate the terminal value.

Values of between 2% and 5% are generally recommended.

Price To Levered Free Cash Flow

Estimate the price to levered free cash flow (P/FCFE) for the stock after the forecast period. This is the second method used to calculate the terminal value.

This method for calculating the terminal value can be preferred for shorter forecast periods. You can use the historical rations provided below as a guide.

  • 1 Year 43.66
  • 3 Years 92.18
  • 5 Years 70.46
  • 10 Years 57.46
Chief Executive Officer (CEO) Mr. Daniel Schulman
Full-Time Employees 30.9K
Industry Credit Services
Sector Financial Services
Country US
Website https://www.paypal.com

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