PYPL PayPal Holdings, Inc.
Financial Services
Price
$59.14
Intrinsic value
$42.75
Buy price
$34.20
Discount
-38.3%
DCF walkthrough
This ticker is valued with the excess-return model (bank/insurer/lender), not the operating-cash-flow DCF, so growth-rate and years-of-growth sliders don't apply - only the discount rate (used as cost of equity) and margin of safety do.
Discount rate9.00%
Margin of safety20.00%
- Operating CF
- $7,475,000,000.00
- Total debt
- $14,220,999,680.00
- Cash & STI
- $11,256,000,512.00
- Shares out.
- 882,000,000
Overvalued
Intrinsic value$42.83
Buy price (with MOS)$34.26
Current price$59.14
Discount to intrinsic value-38.1%
7-step quality scorecard
ROE quality
HIGH_CONSISTENT- Average ROE
- 19.6%
- Current ROE
- 25.8%
- Minimum ROE
- 11.9%
Debt quality
MODERATE- Debt / Equity
- 0.70x
Moat proxy
STRONG_PROXYCash-flow reliability
NOT_APPLICABLE- Operating CF / Net income
- 1.52x
Technical chart
Confluence: WEAK (1/3)Weekly candles, ~3 years. Yellow line: 10-week EMA. Dashed lines: Fibonacci retracement of the last 52-week swing. Green arrow: an active DR1 support reclaim.
Assumptions & data quality
- Data source
- yfinance
- Growth (g1) source
- revenueCAGR
- Valuation model
- EXCESS_RETURN
- Debt as % of DCF PV
- 22.8%
- Public economic interest
- 100.0%
These are model outputs built on assumptions (growth rate, discount rate, margin of safety), not facts - trust but verify, especially for LOW cash-flow-reliability or UNKNOWN-quality rows.