Is PayPal Holdings, Inc. (PYPL) Undervalued? Valuation & Fair Price
At $53.06, the frameworks are split on PayPal Holdings, Inc. today — Warren Buffett rates it Buy, Benjamin Graham and Phil Town (Rule #1) rate it Avoid, and Peter Lynch rates it Hold. Each model calculates its own fair value and margin of safety; create a free account to see the exact buy price behind every verdict.
PayPal Holdings, Inc.
PYPLFinancial Services · Financial - Credit Services · NASDAQ
$53.06
P/E 11.1×
PayPal Holdings, Inc. provides a worldwide technological framework that facilitates digital financial transactions for both businesses and individual users. The company offers a wide array of payment services through well-known brands such as PayPal, PayPal Credit, Braintree, Venmo, Xoom, Zettle, Hyperwallet, Honey, and Paidy. Through its extensive platform, consumers are able to send and receive funds across roughly 200 global markets and in approximately 100 different currencies. Additionally, users can transfer money to their bank accounts in 56 currencies and maintain account balances in 25 distinct currencies within their PayPal accounts. Founded in 1998, the company's corporate headquarters are situated in San Jose, California.
Investor scorecard
How the four investors rate PayPal Holdings, Inc.
A split decision across the frameworks
Investor model analysis
Details lockedAt $53.06, 2 of 4 frameworks say Avoid
Intrinsic Value (DCF)
Warren Buffett's valuation model · select an investor above to switch
Intrinsic Value
Locked — upgrade to viewBuy Below
Locked — upgrade to viewStrong Buy
Locked — upgrade to viewMargin of Safety
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Insider & congress activity
Are insiders buying PYPL?
Over recent SEC Form 4 filings, PYPL insiders bought $255K and sold $2.0M of stock across 20 open-market trades. Insiders sell for many reasons, but they buy for one.
| Insider | Action | Shares | Value | Date |
|---|---|---|---|---|
| Natali ChrisSVP, Chief Accounting Officer | Sell | 552 | $30K | Sep 3, 2026 |
| Kereere SuzanPresident, Global Markets | Sell | 1,100 | $60K | Sep 3, 2026 |
| Kereere SuzanPresident, Global Markets | Sell | 995 | $56K | Sep 3, 2026 |
| Kereere SuzanPresident, Global Markets | Sell | 1,284 | $73K | Sep 3, 2026 |
| Keller FrankPres., Checkout Sol. & PayPal | Sell | 2,427 | $133K | Sep 3, 2026 |
Members of Congress have also reported 50 trades in PYPL. See the full insider & congress timeline.
Source: SEC Form 4 filings. Open-market buys & sells only. Not investment advice.
See the interactive insider chart & every tradeScenario analysis
Bear, base & bull
Three growth assumptions, three fair values — and where today's price lands
What's working
Key strengths
Identified by Buffett framework analysis
Company financials
5-Year Financials
Income statement highlights — annual, USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | $33.2B | $31.8B | $29.8B | $27.5B | $25.4B |
| Rev. Growth | +4.3% | +6.8% | +8.2% | +8.5% | — |
| Net Income | $5.2B | $4.1B | $4.2B | $2.4B | $4.2B |
| Net Margin | 15.8% | 13.0% | 14.3% | 8.8% | 16.4% |
| EPS (Diluted) | $5.46 | $4.03 | $3.85 | $2.10 | $3.55 |
| Free Cash Flow | Locked — upgrade to view | Locked — upgrade to view | Locked — upgrade to view | Locked — upgrade to view | Locked — upgrade to view |
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Educational Use Only · Not Financial Advice
Analysis, scores, valuations, and buy zones are derived from publicly documented investor frameworks (Buffett, Lynch, Benjamin Graham, Phil Town) for learning purposes only. They are not recommendations from licensed financial advisors. Past performance does not guarantee future results. Prices may be delayed up to 15 minutes. Always conduct your own research before making any investment decisions.