PYPL · PayPal Holdings Inc
Price
Snapshot
50 fields · last close| Market Cap | $48.61B |
| P/E | 9.85 |
| Float | 849.4M |
| Beta | 1.36 |
| Volatility | 34.0% |
| Exchange | NASDAQ |
| Sector | Financial Services |
| Cap tier | Large cap |
| Macro sensitivity | High |
| Clavix score | 68 |
| Price | 54.63 |
| Change | −3.85% |
| Prev Close | 56.82 |
| Open | 54.81 |
| Day Low | 54.01 |
| Day High | 56.96 |
| Avg Vol | 14 |
| Avg $ Vol | $820.9M |
| 52W High | 79.22 |
| 52W Low | 38.46 |
| 52W Pos | 39.7% |
| From High | −31.04% |
| From Low | +42.04% |
| Max DD 1Y | −48.67% |
| Spread | 0.10% |
| Liquidity | Deep |
| SMA 20 | −7.57% |
| SMA 50 | −0.26% |
| SMA 200 | +7.00% |
| RSI (14) | 48.6 |
| Vol 30D | 48.8% |
| Vol 90D | 46.4% |
| 1Y Range | 38–79 |
| Daily bars | 506 |
| Perf Week | −7.56% |
| Perf Month | −1.92% |
| Perf Quarter | +32.91% |
| Perf Half Y | +19.27% |
| Perf Year | −18.41% |
| Perf YTD | −6.04% |
| Prev Day | −3.85% |
| Clavix | B- |
| Debt / Eq | 0.56 |
| Curr Ratio | 1.29 |
| Int Cover | 14.3× |
| FCF Margin | 17.8% |
| Rev Growth | +4.8% |
| Profit | Profitable |
| Leverage | Low |
| Sector rank | 54 / 69 |
What PYPL does
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.
Clavix risk grade
regraded every trading dayPYPL grades B-, 68 of 100. Steadiest on Sector Resilience (64), most exposed on News Sentiment (24, weak). 1 of the 4 weighted dimensions sit above the Financial Services median. Ranks 54 of 69 in Financial Services by Clavix score.
How rough the ride is
| PYPL | Financial Services median | |
|---|---|---|
| Betavs the overall market · lower is steadier | 1.36 | 1.20 |
| Volatilityannualized | 34.0% | 30.0% |
| Max drawdown, past yearworst peak-to-trough fall | −48.7% | — |
| Typical daily movemedian absolute daily change | 1.28% | — |
| Days beyond ±3%of the last 252 sessions | 3614% | — |
How its days are spread
Daily returns over the last 252 sessions in 1% bins. Moves beyond ±6% land in the end bins.
52-week range
The bar runs from the lowest to the highest close of the last 252 sessions; the marker is the latest close.
Drawdown from the 1-year peak
Percent below the running high over the last 12 months. Zero is a fresh high.
Market sensitivity
| PYPL | Financial Services median | |
|---|---|---|
| Beta to the markethow much it swings with the S&P 500 · lower is safer | 1.36 | 1.20 |
| Macro sensitivityrate, dollar and credit exposure bucket | High | Moderate40% of 70 |
Where it sits on the macro scale
Low means rates, the dollar and credit spreads barely move it. Very High means they drive a large share of its swings. The counts are how many Financial Services names sit in each bucket.
Where it ranks in its sector
Rank by Clavix score within the sector. Right is the top of the sector.
Price performance
| PYPL | |
|---|---|
| 1 week | −7.6% |
| 1 month | −1.9% |
| Year to date | −6.0% |
| 1 year | −18.4% |
Context for the rank, not itself a risk measure.
Recent coverage, scored
| PYPL | |
|---|---|
| Articles scoredthe most recent scored coverage, up to 30 | 30since 20 Aug |
| Average score0 most bearish, 100 most bullish | 38 |
| Bullish · bearisharticles above 60 · below 40 | 8 · 21 |
| Directionarticles whose tone is improving vs worsening | 8 ↑ 21 ↓ |
Where the article scores land
Each bar is a 10-point band of article scores. Below 40 reads bearish, above 60 bullish.
Balance sheet, against the sector
The shaded band is the middle half of the 70 Financial Services names Clavix covers; the tick is the sector median.
Growth
| PYPL | |
|---|---|
| Revenue growthyear over year | +4.8% |
Financial Health is shown but does not count toward the grade. Why
0–100, higher is safer. The tick on each bar is the Financial Services median. Click a dimension for the evidence behind it. Financial Health is shown but does not count toward the grade.
Against Financial Services
70 companies| Metric | PYPL | Sector spread | Median |
|---|---|---|---|
| Beta | 1.36 | 1.20 | |
| Volatility | 34.0% | 30.0% | |
| P/E | 9.85 | 20.95 | |
| Debt / equity | 0.56 | 0.83 | |
| Current ratio | 1.29 | 1.03 | |
| FCF margin | 17.8% | 27.9% | |
| Interest coverage | 14.3× | 7.6× |
Recent news
most recent scored articles · the chip is the article’s score · click to openPayPal has cut roughly 220 jobs in India as part of a multi-year turnaround plan the payments company had announced earlier this year, according to a source familiar with the matter.
PayPal's board rejected a $60.50 per share takeover bid as too low, yet shares now trade below even that rejected offer. Its most recent quarter brought $8.68B in revenue (up 5% year-over-year), $1.38 in adjusted earnings per share, and $1.78B in free cash flow (the cash a business generates after running costs and capital spending), up 157%.
The analyst points to a reportedly abandoned $60.50-per-share buyout offer from Stripe and Advent as evidence that the market undervalues the company.
Stripe and its private-equity partner have walked away from takeover talks with PayPal, two weeks after PayPal rejected a $53 billion offer. The deal, had it gone through, would have been one of the largest fintech acquisitions on record.
PayPal's Q2 total payment volume (the dollar value of all transactions processed) rose 10% to $486.45 billion, but the profit earned from those transactions grew only 1% to $3.9 billion. A potential $60.50-per-share takeover is no longer on the table, leaving the company's standalone turnaround as the main driver going forward.
Nearest peers by size
Financial Services| Ticker | Company | Grade | Mkt cap | P/E | Beta | |
|---|---|---|---|---|---|---|
| XYZ | Block Inc | B- | $49.16B | 138.72 | 2.61 | Compare |
| AMP | Ameriprise Financial Inc | B+ | $49.92B | 12.64 | 1.13 | Compare |
| COIN | Coinbase Global Inc | D | $50.84B | 40.34 | 3.35 | Compare |
| STT | State Street Corp | B+ | $53.28B | 15.38 | 1.39 | Compare |
| NDAQ | Nasdaq Inc | B+ | $55.18B | 27.87 | 1.00 | Compare |
| MSCI | MSCI Inc | B+ | $41.78B | 30.54 | 1.24 | Compare |
| RKT | Rocket Companies Inc | C- | $40.27B | 85.46 | 2.30 | Compare |
| RJF | Raymond James Financial Inc | B+ | $34.84B | 15.04 | 0.94 | Compare |
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