View Future GrowthPayPay 過去の業績過去 基準チェック /36PayPayは、平均年間80.1%の収益成長を遂げていますが、 Diversified Financial業界の収益は、年間 成長しています。収益は、平均年間13.3% 18.8%収益成長率で 成長しています。 PayPayの自己資本利益率は27.3%であり、純利益率は30.4%です。主要情報80.15%収益成長率81.30%EPS成長率Diversified Financial 業界の成長6.15%収益成長率18.82%株主資本利益率27.35%ネット・マージン30.40%前回の決算情報31 Mar 2026最近の業績更新Reported Earnings • Jul 02Full year 2026 earnings: Revenues and EPS in line with analyst expectationsFull year 2026 results: EPS: JP¥180 (up from JP¥65.76 in FY 2025). Revenue: JP¥378.4b (up 27% from FY 2025). Net income: JP¥115.0b (up 218% from FY 2025). Profit margin: 30% (up from 12% in FY 2025). Revenue was in line with analyst estimates. Earnings per share (EPS) were also in line with analyst expectations. Revenue is forecast to grow 14% p.a. on average during the next 3 years, compared to a 5.0% growth forecast for the Diversified Financial industry in the US.すべての更新を表示Recent updatesReported Earnings • Jul 02Full year 2026 earnings: Revenues and EPS in line with analyst expectationsFull year 2026 results: EPS: JP¥180 (up from JP¥65.76 in FY 2025). Revenue: JP¥378.4b (up 27% from FY 2025). Net income: JP¥115.0b (up 218% from FY 2025). Profit margin: 30% (up from 12% in FY 2025). Revenue was in line with analyst estimates. Earnings per share (EPS) were also in line with analyst expectations. Revenue is forecast to grow 14% p.a. on average during the next 3 years, compared to a 5.0% growth forecast for the Diversified Financial industry in the US.お知らせ • Jul 01Paypay Corporation Elects Fumiya Takasu as DirectorPayPay Corporation held its Annual General Meeting of Shareholders on June 29, 2026. Elected Fumiya Takasu as Directors.ライブニュース • Jun 28PayPay Acquisition of T&D Financial Life Highlights All-Cash Deal as Price Trends LowerPayPay Corporation is highlighted in recent research for its acquisition of T&D Financial Life, a deal funded entirely from existing cash, which means shareholders were not diluted by new equity issuance. Using cash reserves for the transaction keeps PayPay’s balance sheet flexibility intact, which can matter for future investment choices, risk management and potential funding needs. PayPay’s stock trades at $14.35, with the share price down 26.5% over the past 30 days, indicating recent pressure despite the acquisition headlines. This combination of an all-cash acquisition and a recently weaker share price presents a clear tradeoff: PayPay has committed balance sheet resources to expand its business while the market has been marking the stock lower, so readers need to weigh execution risk on the T&D Financial Life integration against the benefit of avoiding equity dilution.Valuation Update With 7 Day Price Move • Jun 25Investor sentiment improves as stock rises 16%After last week's 16% share price gain to US$14.30, the stock trades at a forward P/E ratio of 20x. Average forward P/E is 11x in the Diversified Financial industry in the US. Simply Wall St's valuation model estimates the intrinsic value at US$17.94 per share.ライブニュース • Jun 14PayPay and T&D Holdings to Bring AI Insurance Services Into Digital App EcosystemPayPay Corporation and T&D Holdings have agreed to a comprehensive business alliance that combines insurance services, fintech capabilities and AI-driven digital technologies. The partners are exploring ways to integrate Taiyo Life Insurance products directly into the PayPay app to make insurance offerings more accessible and personalized. A joint steering committee will be set up to guide and expand the cooperation across insurance, fintech and digital health services over the long term. This alliance indicates that PayPay is leaning further into financial services by embedding insurance and health-related offerings into its existing app ecosystem, which could deepen user engagement if execution is effective. Investors may want to monitor how quickly integrated products roll out in the app, how users adopt them and whether regulatory or data-privacy requirements affect the pace or scope of AI-driven services.Buy Or Sell Opportunity • Jun 10Now 23% undervalued after recent price dropOver the last 90 days, the stock has fallen 26% to US$13.45. The fair value is estimated to be US$17.52, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 19% over the last 3 years. Meanwhile, the company has become profitable. For the next 3 years, revenue is forecast to grow by 14% per annum. Earnings are also forecast to grow by 10% per annum over the same time period.Seeking Alpha • Jun 09PayPay: Below The IPO Price, But Not Clearly UndervaluedSummary PayPay Corporation is rated Hold as its current valuation already reflects strong growth and profitability, despite recent share price weakness. PAYP's payments segment delivered 23% GMV growth and doubled segment profit, with operating leverage driving a 29% adjusted EBITDA margin. Financial services are emerging as a second profit engine but introduce new risks such as credit exposure and regulatory scrutiny. While PAYP trades at a premium to peers on sales and EBITDA, the lack of a clear margin of safety tempers upside potential. I rate PayPay a Hold with a positive bias. Read the full article on Seeking Alphaライブニュース • Jun 06PayPay Expands Into Insurance With Planned 70.2% Stake in T&D Financial LifePayPay plans to acquire a 70.2% stake in T&D Financial Life Insurance from T&D Holdings, with the deal expected to close in October next year. The company aims to broaden its offering beyond daily payments by adding life insurance to its suite of financial services. Management has indicated an ambition to cover more stages of customers’ financial lives, spanning payments, insurance and asset management. This move signals a push toward a more integrated financial services platform, which could change the profile of PayPay’s revenues over time as insurance and asset-related products are added. Investors may want to watch how PayPay manages regulatory requirements, capital needs and operational integration as it brings a life insurer under its umbrella.Valuation Update With 7 Day Price Move • Jun 04Investor sentiment deteriorates as stock falls 20%After last week's 20% share price decline to US$15.74, the stock trades at a forward P/E ratio of 21x. Average forward P/E is 10x in the Diversified Financial industry in the US. Simply Wall St's valuation model estimates the intrinsic value at US$17.70 per share.お知らせ • Jun 02PayPay Corporation, Annual General Meeting, Jun 29, 2026PayPay Corporation, Annual General Meeting, Jun 29, 2026, at 09:01 Tokyo Standard Time. Location: yotsuya tower 1-6-1, yotsuya, shinjuku-ku, tokyo JapanBuy Or Sell Opportunity • Apr 30Now 29% overvaluedThe stock has been flat over the last 90 days, currently trading at US$22.14. The fair value is estimated to be US$17.16, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 19% over the last 3 years. Earnings per share has grown by 92%. For the next 3 years, revenue is forecast to grow by 16% per annum. Earnings are also forecast to grow by 1.1% per annum over the same time period.Buy Or Sell Opportunity • Apr 14Now 24% overvaluedThe stock has been flat over the last 90 days, currently trading at US$22.19. The fair value is estimated to be US$17.89, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 19% over the last 3 years. Earnings per share has grown by 92%. For the next 3 years, revenue is forecast to grow by 17% per annum. Earnings are forecast to decline by 5.4% per annum over the same time period.New Risk • Apr 06New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 5.8% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risks Shares are highly illiquid. Earnings are forecast to decline by an average of 5.8% per year for the foreseeable future. Minor Risk High level of debt (139% net debt to equity).Valuation Update With 7 Day Price Move • Mar 27Investor sentiment improves as stock rises 16%After last week's 16% share price gain to US$23.04, the stock trades at a forward P/E ratio of 2246x. Average forward P/E is 10x in the Diversified Financial industry in the US.お知らせ • Mar 12PayPay Corporation has completed an IPO in the amount of $879.795424 million.PayPay Corporation has completed an IPO in the amount of $879.795424 million. Security Name: American Depositary Shares Security Type: Depositary Receipt (Common Stock) Securities Offered: 41,237,214 Price\Range: $16 Discount Per Security: $0.6 Security Name: American Depositary Shares Security Type: Depositary Receipt (Common Stock) Securities Offered: 13,750,000 Price\Range: $16 Discount Per Security: $0.6 Transaction Features: Sponsor Backed OfferingBoard Change • Mar 12Less than half of directors are independentThere are 6 new directors who have joined the board in the last 3 years. Of these new board members, 4 were independent directors. The company's board is composed of: 4 independent directors. 5 non-independent directors. Part Time Independent Outside Director Paul Kaname Yonamine was the last independent director to join the board, commencing their role in 2023. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Lack of board continuity.収支内訳PayPay の稼ぎ方とお金の使い方。LTMベースの直近の報告された収益に基づく。収益と収入の歴史NasdaqGS:PAYP 収益、費用、利益 ( )JPY Millions日付収益収益G+A経費研究開発費31 Mar 26378,407115,03419,979031 Dec 25355,530111,20820,444030 Sep 25336,408105,28120,829030 Jun 25314,77541,97120,677031 Mar 25297,77436,17019,770031 Mar 24252,855-3,35026,284031 Mar 23199,403-25,85623,5220質の高い収益: PAYPは 高品質の収益 を持っています。利益率の向上: PAYPの現在の純利益率 (30.4%)は、昨年(12.1%)よりも高くなっています。フリー・キャッシュフローと収益の比較過去の収益成長分析収益動向: PAYPの過去 5 年間の前年比収益成長率がプラスであったかどうかを判断するにはデータが不十分です。成長の加速: PAYPの過去 1 年間の収益成長を 5 年間の平均と比較するにはデータが不十分です。収益対業界: PAYPの過去 1 年間の収益成長率 ( 218% ) はDiversified Financial業界9.1%を上回りました。株主資本利益率高いROE: PAYPの 自己資本利益率 ( 27.35% ) は 高い ですが、この指標は負債レベルが高いために歪んでいます。総資産利益率使用総資本利益率過去の好業績企業の発掘7D1Y7D1Y7D1YDiversified-financials 、過去の業績が好調な企業。View Financial Health企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/07/05 17:58終値2026/07/02 00:00収益2026/03/31年間収益2026/03/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレークこのレポートを生成するために使用した分析モデルの詳細は、当社の Github ページ でご覧いただけます。また、レポートの使い方に関する ガイド や YouTube の チュートリアル もご用意しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋PayPay Corporation 12 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。14 アナリスト機関Mark PalmerBenchmark CompanyYoshitaka NagaoBofA Global ResearchRamsey El-AssalCantor Fitzgerald & Co.11 その他のアナリストを表示
Reported Earnings • Jul 02Full year 2026 earnings: Revenues and EPS in line with analyst expectationsFull year 2026 results: EPS: JP¥180 (up from JP¥65.76 in FY 2025). Revenue: JP¥378.4b (up 27% from FY 2025). Net income: JP¥115.0b (up 218% from FY 2025). Profit margin: 30% (up from 12% in FY 2025). Revenue was in line with analyst estimates. Earnings per share (EPS) were also in line with analyst expectations. Revenue is forecast to grow 14% p.a. on average during the next 3 years, compared to a 5.0% growth forecast for the Diversified Financial industry in the US.
Reported Earnings • Jul 02Full year 2026 earnings: Revenues and EPS in line with analyst expectationsFull year 2026 results: EPS: JP¥180 (up from JP¥65.76 in FY 2025). Revenue: JP¥378.4b (up 27% from FY 2025). Net income: JP¥115.0b (up 218% from FY 2025). Profit margin: 30% (up from 12% in FY 2025). Revenue was in line with analyst estimates. Earnings per share (EPS) were also in line with analyst expectations. Revenue is forecast to grow 14% p.a. on average during the next 3 years, compared to a 5.0% growth forecast for the Diversified Financial industry in the US.
お知らせ • Jul 01Paypay Corporation Elects Fumiya Takasu as DirectorPayPay Corporation held its Annual General Meeting of Shareholders on June 29, 2026. Elected Fumiya Takasu as Directors.
ライブニュース • Jun 28PayPay Acquisition of T&D Financial Life Highlights All-Cash Deal as Price Trends LowerPayPay Corporation is highlighted in recent research for its acquisition of T&D Financial Life, a deal funded entirely from existing cash, which means shareholders were not diluted by new equity issuance. Using cash reserves for the transaction keeps PayPay’s balance sheet flexibility intact, which can matter for future investment choices, risk management and potential funding needs. PayPay’s stock trades at $14.35, with the share price down 26.5% over the past 30 days, indicating recent pressure despite the acquisition headlines. This combination of an all-cash acquisition and a recently weaker share price presents a clear tradeoff: PayPay has committed balance sheet resources to expand its business while the market has been marking the stock lower, so readers need to weigh execution risk on the T&D Financial Life integration against the benefit of avoiding equity dilution.
Valuation Update With 7 Day Price Move • Jun 25Investor sentiment improves as stock rises 16%After last week's 16% share price gain to US$14.30, the stock trades at a forward P/E ratio of 20x. Average forward P/E is 11x in the Diversified Financial industry in the US. Simply Wall St's valuation model estimates the intrinsic value at US$17.94 per share.
ライブニュース • Jun 14PayPay and T&D Holdings to Bring AI Insurance Services Into Digital App EcosystemPayPay Corporation and T&D Holdings have agreed to a comprehensive business alliance that combines insurance services, fintech capabilities and AI-driven digital technologies. The partners are exploring ways to integrate Taiyo Life Insurance products directly into the PayPay app to make insurance offerings more accessible and personalized. A joint steering committee will be set up to guide and expand the cooperation across insurance, fintech and digital health services over the long term. This alliance indicates that PayPay is leaning further into financial services by embedding insurance and health-related offerings into its existing app ecosystem, which could deepen user engagement if execution is effective. Investors may want to monitor how quickly integrated products roll out in the app, how users adopt them and whether regulatory or data-privacy requirements affect the pace or scope of AI-driven services.
Buy Or Sell Opportunity • Jun 10Now 23% undervalued after recent price dropOver the last 90 days, the stock has fallen 26% to US$13.45. The fair value is estimated to be US$17.52, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 19% over the last 3 years. Meanwhile, the company has become profitable. For the next 3 years, revenue is forecast to grow by 14% per annum. Earnings are also forecast to grow by 10% per annum over the same time period.
Seeking Alpha • Jun 09PayPay: Below The IPO Price, But Not Clearly UndervaluedSummary PayPay Corporation is rated Hold as its current valuation already reflects strong growth and profitability, despite recent share price weakness. PAYP's payments segment delivered 23% GMV growth and doubled segment profit, with operating leverage driving a 29% adjusted EBITDA margin. Financial services are emerging as a second profit engine but introduce new risks such as credit exposure and regulatory scrutiny. While PAYP trades at a premium to peers on sales and EBITDA, the lack of a clear margin of safety tempers upside potential. I rate PayPay a Hold with a positive bias. Read the full article on Seeking Alpha
ライブニュース • Jun 06PayPay Expands Into Insurance With Planned 70.2% Stake in T&D Financial LifePayPay plans to acquire a 70.2% stake in T&D Financial Life Insurance from T&D Holdings, with the deal expected to close in October next year. The company aims to broaden its offering beyond daily payments by adding life insurance to its suite of financial services. Management has indicated an ambition to cover more stages of customers’ financial lives, spanning payments, insurance and asset management. This move signals a push toward a more integrated financial services platform, which could change the profile of PayPay’s revenues over time as insurance and asset-related products are added. Investors may want to watch how PayPay manages regulatory requirements, capital needs and operational integration as it brings a life insurer under its umbrella.
Valuation Update With 7 Day Price Move • Jun 04Investor sentiment deteriorates as stock falls 20%After last week's 20% share price decline to US$15.74, the stock trades at a forward P/E ratio of 21x. Average forward P/E is 10x in the Diversified Financial industry in the US. Simply Wall St's valuation model estimates the intrinsic value at US$17.70 per share.
お知らせ • Jun 02PayPay Corporation, Annual General Meeting, Jun 29, 2026PayPay Corporation, Annual General Meeting, Jun 29, 2026, at 09:01 Tokyo Standard Time. Location: yotsuya tower 1-6-1, yotsuya, shinjuku-ku, tokyo Japan
Buy Or Sell Opportunity • Apr 30Now 29% overvaluedThe stock has been flat over the last 90 days, currently trading at US$22.14. The fair value is estimated to be US$17.16, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 19% over the last 3 years. Earnings per share has grown by 92%. For the next 3 years, revenue is forecast to grow by 16% per annum. Earnings are also forecast to grow by 1.1% per annum over the same time period.
Buy Or Sell Opportunity • Apr 14Now 24% overvaluedThe stock has been flat over the last 90 days, currently trading at US$22.19. The fair value is estimated to be US$17.89, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 19% over the last 3 years. Earnings per share has grown by 92%. For the next 3 years, revenue is forecast to grow by 17% per annum. Earnings are forecast to decline by 5.4% per annum over the same time period.
New Risk • Apr 06New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 5.8% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risks Shares are highly illiquid. Earnings are forecast to decline by an average of 5.8% per year for the foreseeable future. Minor Risk High level of debt (139% net debt to equity).
Valuation Update With 7 Day Price Move • Mar 27Investor sentiment improves as stock rises 16%After last week's 16% share price gain to US$23.04, the stock trades at a forward P/E ratio of 2246x. Average forward P/E is 10x in the Diversified Financial industry in the US.
お知らせ • Mar 12PayPay Corporation has completed an IPO in the amount of $879.795424 million.PayPay Corporation has completed an IPO in the amount of $879.795424 million. Security Name: American Depositary Shares Security Type: Depositary Receipt (Common Stock) Securities Offered: 41,237,214 Price\Range: $16 Discount Per Security: $0.6 Security Name: American Depositary Shares Security Type: Depositary Receipt (Common Stock) Securities Offered: 13,750,000 Price\Range: $16 Discount Per Security: $0.6 Transaction Features: Sponsor Backed Offering
Board Change • Mar 12Less than half of directors are independentThere are 6 new directors who have joined the board in the last 3 years. Of these new board members, 4 were independent directors. The company's board is composed of: 4 independent directors. 5 non-independent directors. Part Time Independent Outside Director Paul Kaname Yonamine was the last independent director to join the board, commencing their role in 2023. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Lack of board continuity.