PayPal Holdings Inc

Market Summary

USD74.66-3.87Delayed

-4.93%

PYPL Stock Price

RSI Chart

Valuation

Market Cap

99.7B

Price/Earnings

48.51

Price/Sales

3.78

Price/Cashflow

16.67

MarketCap/EBT

23.92

Price/Sales

Profitability

EBT Margin

15.53%

Return on Equity

10.4%

Return on Assets

2.64%

Fundamentals

Revenue

Revenue (TTM)

27.1B

Revenue Y/Y

10.74%

Revenue Q/Q

0.59%

Earnings

Earnings (TTM)

2.3B

Earnings Y/Y

22.36%

Earnings Q/Q

490.03%

Price Action

52 Week Range

67.58197.69

(Low)(High)

Last 7 days

-6.8%

Last 30 days

-6.0%

Last 90 days

-18.1%

Trailing 12 Months

-60.1%

Financial Health

Current Ratio

1.23

Investor Care

Buy Backs (1Y)

2.97%

Diluted EPS (TTM)

1.97

Peers (Alternatives to PayPal Holdings)

View All Peers In Detail

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
MA	319.9B	21.6B	12.58%	12.93%	32.98	14.79	21.63%	34.86%
ACN	182.1B	59.6B	10.16%	-16.72%	27.47	3.06	24.28%	14.71%
FIS	51.6B	14.5B	-6.81%	-29.01%	61.01	3.59	7.14%	307.39%
GPN	34.7B	8.9B	-4.18%	-14.88%	451.51	3.93	7.95%	-92.48%
AKAM	14.2B	3.6B	9.81%	-15.47%	24.53	3.97	5.65%	-16.06%
MID-CAP
WEX	7.2B	2.2B	9.36%	32.59%	55.43	3.22	27.25%	192.65%
EXLS	5.8B	1.3B	4.19%	37.88%	41.75	4.37	23.90%	17.48%
WU	5.4B	4.7B	10.74%	-12.30%	6.04	1.1	-7.70%	1.95%
MMS	3.8B	4.6B	22.63%	-4.19%	20.19	0.83	8.85%	-30.00%
SMALL-CAP
MGI	1.0B	1.3B	3.70%	78.76%	-317.66	0.79	0.80%	147.70%
CNDT	884.8M	3.9B	9.40%	-19.73%	8.27	0.22	-5.47%	11000.00%
GSKY	638.8M	-	0.20%	65.58%	14.95	1.23	-	-
CASS	590.8M	173.5M	4.68%	5.06%	18.86	3.58	14.64%	22.00%
IIIV	505.3M	317.9M	22.66%	32.64%	-35.81	1.69	41.82%	-283.71%

Financials for PayPal Holdings

Income Statement (Last 12 Months)					(In Millions)
Description	(%) Q/Q	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3
Revenue	2.5%	27,053	26,389	25,821	25,371	24,569
Operating Expenses	2.6%	23,410	22,821	21,890	21,109	20,394
S&GA Expenses	-0.2%	2,399	2,404	2,437	2,445	2,384
Earnings Before Taxes	-	4,099
Net Income	11.8%	2,299	2,056	3,581	4,169	4,935

Balance Sheet					(In Millions)
Description	(%) Q/Q	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3
Assets	-1.8%	76,435	77,810	75,805	75,803	74,534
Current Assets	-0.3%	55,105	55,252	52,382	52,574	54,130
Cash Equivalents	45.3%	6,659	4,583	4,861	5,197	7,782
Net PPE	-3.2%	1,773	1,832	1,861	1,909	1,900
Goodwill	-0.8%	11,053	11,146	11,370	11,454	9,550
Liabilities	-3.2%	56,171	58,043	55,202	54,076	52,444
Current Liabilities	-4.1%	43,228	45,095	43,967	43,029	41,695
LT Debt, Non Current	0.4%	10,241	10,198	8,222	8,049	7,949
Shareholder's Equity	2.5%	20,264	19,767	20,603	21,727	22,090
Retained Earnings	8.0%	18,033	16,703	17,044	16,535	15,734
Additional Paid-In Capital	1.3%	17,981	17,758	17,383	17,208	16,860
Accumulated Depreciation	-	5,681	-	-	-	-
Shares Outstanding	-0.8%	1,147	1,156	1,161	1,168	1,174
Minority Interest	NaN%	-	-	-	-	-

* denotes actual numbers (not divided by Millions)

Cashflow (Last 12 Months)					(In Millions)
Description	(%) Q/Q	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3
Cashflow From Operations	7.3%	6,419	5,984	5,824	6,340	5,924
Share Based Compensation	-5.2%	1,312	1,384	1,459	1,376	1,457
Cashflow From Investing	14.1%	-6,415.00	-7,470.00	-4,653.00	-5,485.00	-5,308.00
Cashflow From Financing	-365.8%	-3,000.00	-644.00	-2,286.00	-764.00	2,294
Buy Backs	13.9%	4,727	4,150	3,600	3,400	2,103

Risks

What is the probability of a big loss on PYPL?

42.3%

Probability that PayPal Holdings stock will be more than 20% underwater in next one year

21.5%

Probability that PayPal Holdings stock will be more than 30% underwater in next one year.

20.4%

Probability that PayPal Holdings stock will be more than 40% underwater in next one year.

*Calculated based on probability distribution of losses observed in actual data in the last 5 years.

How does PYPL drawdown profile look like?

Y-axis is the maximum loss one would have experienced if PayPal Holdings was unfortunately bought at previous high price.

Returns

Cumulative Returns on PYPL

11.2%

7-Year Cumulative Returns

-0.2%

5-Year Cumulative Returns

-10.9%

3-Year Cumulative Returns

What are the long-term rolling returns for PYPL?

FIve years rolling returns for PayPal Holdings.

Which funds bought or sold PYPL recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
2022-11-29	London & Capital Asset Management Ltd	-	-	2,107,000	19,260,000	1.80%
2022-11-29	SALEM CAPITAL MANAGEMENT INC	-	-	161,000	742,000	0.59%
2022-11-23	Aurora Investment Counsel	REDUCED	-3.83	280,000	1,794,000	1.36%
2022-11-23	Gould Capital, LLC	UNCHANGED	-	4,000	22,000	0.02%
2022-11-23	Toroso Investments, LLC	REDUCED	-3.65	2,215,000	14,033,000	0.58%
2022-11-23	Eagle Bay Advisors LLC	ADDED	56.96	66,230	136,000	0.08%
2022-11-22	IHT Wealth Management, LLC	ADDED	49.2	588,000	1,290,000	0.10%
2022-11-22	Dash Acquisitions Inc.	ADDED	3.28	333,000	1,552,000	0.87%
2022-11-22	CVA Family Office, LLC	ADDED	67.37	105,000	205,000	0.06%
2022-11-22	B. Riley Wealth Advisors, Inc.	ADDED	30.14	2,112,000	5,571,000	0.17%

Latest Funds Activity

Are funds buying PYPL calls or puts?

Are funds bullish or bearish(Calls - Puts)?

No. of funds that own PYPL

PayPal Holdings News

PYPL Fair Value

PayPal Holdings fair value in different scenarios

The table shows the Fair Value estimates for PayPal Holdings for various scenarios. Disclaimer: These are just estimations from a model. None of the models are good at predicting the future. Please dont buy or sell stocks based on these outputs.

Fair Value	Very Pessimistic	Pessimistic	Base Case	Optimistic	Very Optimistic
Very Low Inflation	70.99 -4.92%	104.93 40.54%	140.66 88.40%	182.02 143.80%	235.47 215.39%
Current Inflation	64.23 -13.97%	92.77 24.26%	122.01 63.42%	156.73 109.92%	201.27 169.58%
Very High Inflation	56.04 -24.94%	78.45 5.08%	100.53 34.65%	127.80 71.18%	162.46 117.60%

Fair Value

Very Pessimistic

Pessimistic

Base Case

Optimistic

Very Optimistic

Very Low Inflation

70.99

-4.92%

104.93

40.54%

140.66

88.40%

182.02

143.80%

235.47

215.39%

Current Inflation

64.23

-13.97%

92.77

24.26%

122.01

63.42%

156.73

109.92%

201.27

169.58%

Very High Inflation

56.04

-24.94%

78.45

5.08%

100.53

34.65%

127.80

71.18%

162.46

117.60%

Historical PayPal Holdings Fair Value Estimates

Recent SEC filings of PayPal Holdings

View All Filings

Date Filed	Form Type	Document
Nov 16, 2022	4	Insider Trading
Nov 04, 2022	10-Q	Quarterly Report
Nov 03, 2022	8-K	Current Report
Oct 17, 2022	4	Insider Trading
Oct 17, 2022	4	Insider Trading
Oct 03, 2022	3	Insider Trading
Oct 03, 2022	8-K	Current Report
Sep 16, 2022	3	Insider Trading
Sep 16, 2022	4	Insider Trading
Sep 16, 2022	4	Insider Trading

Latest Insider Trading transactions for PYPL

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
2022-11-15	Karbowski Jeffrey William	SOLD FOR TAXES	-38,010.8	89.86	-423	VP, Chief Accounting Officer
2022-11-15	Karbowski Jeffrey William	ACQUIRED	-	-	1,221	VP, Chief Accounting Officer
2022-09-16	Scheibe Gabrielle	SOLD	-14,242.5	94.95	-150	See Remarks
2022-09-15	Scheibe Gabrielle	SOLD (Taxes)	-28,534.4	96.4	-296	See Remarks
2022-09-15	Scheibe Gabrielle	ACQUIRED	-	-	597	See Remarks
2022-08-04	Alford Peggy	SOLD	-2,131,600	97.82	-21,791	EVP, Global Sales
2022-07-15	Shivananda Sripada	ACQUIRED	-	-	2,169	EVP, Chief Technology Officer
2022-07-15	Shivananda Sripada	SOLD (Taxes)	-79,527.2	73.91	-1,076	EVP, Chief Technology Officer
2022-06-02	Sarnoff Ann	ACQUIRED	-	-	3,114	-
2022-06-02	Adkins Rodney C	ACQUIRED	-	-	3,114	-

About PayPal Holdings

Daniel H. Schulman

www.paypal.com

30900

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.

PYPL Income Statement

2022-09-30

CONDENSED CONSOLIDATED STATEMENTS OF INCOME (LOSS) - USD ($) shares in Millions, $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Income Statement [Abstract]
Net revenues	$ 6,846	$ 6,182	$ 20,135	$ 18,453
Operating expenses:
Transaction expense	2,988	2,564	8,849	7,363
Transaction and credit losses	367	268	1,184	710
Customer support and operations	509	504	1,579	1,543
Sales and marketing	544	549	1,733	1,779
Technology and development	801	755	2,431	2,242
General and administrative	463	498	1,584	1,544
Restructuring and other charges	56	1	182	60
Total operating expenses	5,728	5,139	17,542	15,241
Operating income	1,118	1,043	2,593	3,212
Other income (expense), net	460	122	(337)	181
Income before income taxes	1,578	1,165	2,256	3,393
Income tax expense	248	78	758	25
Net income (loss)	$ 1,330	$ 1,087	$ 1,498	$ 3,368
Net income (loss) per share:
Basic (in dollars per share)	$ 1.15	$ 0.93	$ 1.29	$ 2.87
Diluted (in dollars per share)	$ 1.15	$ 0.92	$ 1.29	$ 2.84
Weighted average shares:
Basic (in shares)	1,154	1,174	1,159	1,174
Diluted (in shares)	1,157	1,187	1,163	1,187

PYPL Balance Sheet

2022-09-30

CONDENSED CONSOLIDATED BALANCE SHEETS - USD ($) $ in Millions	Sep. 30, 2022	Dec. 31, 2021
Current assets:
Cash and cash equivalents	$ 6,659	$ 5,197
Short-term investments	4,190	4,303
Accounts receivable, net	889	800
Loans and interest receivable, net of allowances of $478 and $491 as of September 30, 2022 and December 31, 2021, respectively	6,002	4,846
Funds receivable and customer accounts	34,824	36,141
Prepaid expenses and other current assets	2,541	1,287
Total current assets	55,105	52,574
Long-term investments	5,215	6,797
Property and equipment, net	1,773	1,909
Goodwill	11,053	11,454
Intangible assets, net	855	1,332
Other assets	2,434	1,737
Total assets	76,435	75,803
Current liabilities:
Accounts payable	114	197
Funds payable and amounts due to customers	37,824	38,841
Accrued expenses and other current liabilities	4,638	3,755
Income taxes payable	652	236
Total current liabilities	43,228	43,029
Deferred tax liability and other long-term liabilities	2,702	2,998
Long-term debt	10,241	8,049
Total liabilities	56,171	54,076
Commitments and contingencies
Equity:
Common stock, $0.0001 par value; 4,000 shares authorized; 1,147 and 1,168 shares outstanding as of September 30, 2022 and December 31, 2021, respectively	0	0
Preferred stock, $0.0001 par value; 100 shares authorized, unissued	0	0
Treasury stock at cost, 161 and 132 shares as of September 30, 2022 and December 31, 2021, respectively	(15,069)	(11,880)
Additional paid-in-capital	17,981	17,208
Retained earnings	18,033	16,535
Accumulated other comprehensive income (loss)	(681)	(136)
Total PayPal stockholders’ equity	20,264	21,727
Total liabilities and equity	$ 76,435	$ 75,803