PayPal Holdings, Inc.

NasdaqGS:PYPL Stock Report

Market Cap: US$63.3b

PayPal Holdings Future Growth

Future criteria checks 2/6

PayPal Holdings is forecast to grow earnings and revenue by 7.8% and 5.2% per annum respectively. EPS is expected to grow by 11.9% per annum. Return on equity is forecast to be 24.9% in 3 years.

Key information

7.8%

Earnings growth rate

11.9%

EPS growth rate

Diversified Financial earnings growth1.5%
Revenue growth rate5.2%
Future return on equity24.9%
Analyst coverage

Good

Last updated10 Apr 2025

Recent future growth updates

Recent updates

PayPal: This Selloff Is A Gift

Apr 08

PayPal Is Cheap, Profitable, And About To Rebound (Rating Upgrade)

Mar 30

PayPal: Big Investor Day Implications (Rating Upgrade)

Mar 19

PayPal: Surrounded By Numerous Catalysts

Mar 13

PayPal Is A Rare Value-Meets-Growth Opportunity

Mar 03

PayPal: Beating Competition With Fastlane

Feb 25

Why I'm Still Bullish Despite PayPal's Challenges

Feb 16

PayPal: Buy The Meltdown

Feb 08
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Narrative update from Richard Bowman

Feb 02PayPal's Costs are Increasing While Lower Rates Become a HeadwindAs of November 2024PayPal’s revenue growth has continued to slow, tracking a slowdown in total payment volumes which are up 9% over the

PayPal Q4 Preview: X Deal With Visa Is Big

Jan 31

PayPal: Sell Before Reality Sets In (Technical Analysis)

Jan 16

PayPal's Rally Shouldn't Stop In 2025

Jan 08
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Narrative update from Stjepan Kalinic

Jan 05PayPal acquired Honey Science Corp. for $4 billion in 2020. The company, which became a subsidiary of PayPal, is a browser extension business that applies coupon codes on e-commerce websites.

PayPal: Positioned To Shine In 2025

Dec 26

Shareholders Should Be Pleased With PayPal Holdings, Inc.'s (NASDAQ:PYPL) Price

Dec 22
Shareholders Should Be Pleased With PayPal Holdings, Inc.'s (NASDAQ:PYPL) Price

Revisiting PayPal Stock One Year After Buying: How Does It Look Now?

Dec 17

PayPal: There Are Reasons To Be Optimistic, But It's Too Early To Buy

Dec 02

Should You Be Adding PayPal Holdings (NASDAQ:PYPL) To Your Watchlist Today?

Nov 25
Should You Be Adding PayPal Holdings (NASDAQ:PYPL) To Your Watchlist Today?

PayPal: Near Doubling Upside Still Possible (Reiterate Buy)

Nov 23
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Why PayPal’s Growth Story Isn’t Over

Nov 15As PayPal (PYPL) solidifies its position in the digital payments landscape, it presents a promising opportunity driven by transaction growth, profitability, and an attractive valuation. This analysis

PayPal: Expecting Sharp Growth Slowdown Amid Weak Volume And Declining Take Rate (Rating Downgrade)

Nov 13

PayPal: Paying It Forward For Profitable Growth - Upgrading To A Buy

Nov 06

PayPal: Just 3 Million Shy Of Making Another Record

Oct 31

PayPal Q3 Earnings Preview: Innovations Fuel Growth Despite Competitive Pressures

Oct 25

PayPal's Peer Pressure Concerns Are Amusingly Misplaced

Oct 17

PayPal Stock: This Rally May Be Just The Beginning

Oct 03
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Buybacks, Cash Flow, and Growth Potential Amidst Rate Cuts

Sep 26PayPal is a cash flow machine with margins above 15%.
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Elevating Future Growth, Streamlining Operations And Expanding Services Shapes Success

Sep 24 Introduction of Fastlane and operational improvements like passwordless processes are poised to boost transaction volume and efficiency, enhancing revenue and margins.
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Narrative update from Richard Bowman

Sep 23Revenue increased 8.2% over the last year, which was a slight slowdown compared to recent quarters. This revenue growth was on the back of an 11% increase in transaction volumes.

PayPal: I Have Seen Enough To Trust The Turnaround

Sep 18

PayPal: Too Cheap To Miss Out

Sep 12
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Narrative update from Stjepan Kalinic

Sep 10PayPal exceeded market expectations in Q2, beating estimates on revenue and earnings. Revenue outpaced estimates by $80 million, and the company reported a non-GAAP EPS of $0.20 above consensus. 

Low Valuation, Strong Results, Upcoming Catalysts Make PayPal Stock A Buy

Sep 06

PayPal: The Transformation Is Finally Here

Aug 28

Paypal: Still One Of The Best Value Charts In The Market

Aug 18

Subdued Growth No Barrier To PayPal Holdings, Inc.'s (NASDAQ:PYPL) Price

Aug 15
Subdued Growth No Barrier To PayPal Holdings, Inc.'s (NASDAQ:PYPL) Price

PayPal: Early Inflection On Transaction Revenue Growth, Margins

Aug 12

PayPal Stock's Turnaround Should Keep Going

Aug 03

PayPal Q2 Preview: Apple's Not A Threat

Jul 28

PayPal Stock: The Dip Should Be Bought

Jul 09

PayPal: Priced For Failure, Poised For Success

Jun 27

PayPal: Still A Buy, But Patience Is Running Out

Jun 20

PayPal: Sell Options As The Fundamentals Improve For High Potential Yields

Jun 13

PayPal: Expansion Into Digital Advertising Is Smart

Jun 06
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Narrative update from Stjepan Kalinic

Jun 06PayPal reported a 14% increase in total payment volumes, reaching $403.9 billion in Q1 2024. The adjusted operating margin improved by 84 basis points to 18.2% in Q1 2024. The company highlighted effe
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Narrative update from Richard Bowman

May 29Payment volumes were up a healthy 14%.

PayPal: A Great Value Play

May 27

PayPal: Strong Earnings But Stock Trailing Lower

May 21

PayPal: Still Disrupting Or Getting Disrupted?

May 13

PayPal: Just Warming Up

May 06

PayPal Q1 Earnings: It's Less About Revenue And More About Profitability

Apr 26

Wedgewood Partners - PayPal: We Are Confident A Turning Point Is Coming

Apr 20

PayPal Holdings, Inc.'s (NASDAQ:PYPL) Shareholders Might Be Looking For Exit

Apr 19
PayPal Holdings, Inc.'s (NASDAQ:PYPL) Shareholders Might Be Looking For Exit

PayPal: Misunderstood Growth Story Spells Opportunity

Apr 13

PayPal Holdings: Don't Ignore The Game Changer

Apr 07

PayPal Holdings Is A Remarkable Opportunity

Mar 28

PayPal: Focus On Payment Transactions And Checkout Services; Initiate With 'Buy'

Mar 21

Earnings and Revenue Growth Forecasts

NasdaqGS:PYPL - Analysts future estimates and past financials data (USD Millions)
DateRevenueEarningsFree Cash FlowCash from OpAvg. No. Analysts
12/31/202737,4025,3517,7788,60818
12/31/202635,1515,0437,2378,40242
12/31/202532,9834,7536,8657,32841
12/31/202431,7974,1476,7677,450N/A
9/30/202431,4574,4287,0457,670N/A
6/30/202431,0284,4386,7017,315N/A
3/31/202430,4304,3394,9835,590N/A
12/31/202329,7714,2464,2204,843N/A
9/30/202329,1283,7653,1843,820N/A
6/30/202328,5564,0753,6564,316N/A
3/31/202328,0752,7055,0815,766N/A
12/31/202227,5182,4195,1075,813N/A
9/30/202227,0532,2994,6815,442N/A
6/30/202226,3892,0564,3945,200N/A
3/31/202225,8213,5814,3785,256N/A
12/31/202125,3714,1694,8895,797N/A
9/30/202124,5694,9355,0035,924N/A
6/30/202123,8464,8694,7905,725N/A
3/31/202122,8695,2155,3106,191N/A
12/31/202021,4544,2025,3536,219N/A
9/30/202020,2993,1424,4675,281N/A
6/30/202019,2182,5834,3175,063N/A
3/31/202018,2621,8763,7734,465N/A
12/31/201917,7722,4593,3674,071N/A
9/30/201917,0372,5363,6774,431N/A
6/30/201916,3422,5107,2018,005N/A
3/31/201915,8942,2135,9966,859N/A
12/31/201815,4512,0574,6575,480N/A
9/30/201814,9692,093N/A4,202N/A
6/30/201814,5252,037N/A538N/A
3/31/201813,8041,922N/A1,431N/A
12/31/201713,0941,795N/A2,531N/A
9/30/201712,3311,565N/A3,601N/A
6/30/201711,7591,508N/A3,396N/A
3/31/201711,2731,420N/A3,171N/A
12/31/201610,8421,401N/A3,158N/A
9/30/201610,4171,378N/A2,963N/A
6/30/201610,0081,356N/A2,814N/A
3/31/20169,6551,338N/A2,740N/A
12/31/20159,2481,228N/A2,546N/A
9/30/20158,8851,147N/A2,449N/A
6/30/20158,6021,080N/A2,401N/A
3/31/20158,2881,056N/A2,339N/A
12/31/20148,025419N/A2,220N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: PYPL's forecast earnings growth (7.8% per year) is above the savings rate (2.8%).

Earnings vs Market: PYPL's earnings (7.8% per year) are forecast to grow slower than the US market (13.6% per year).

High Growth Earnings: PYPL's earnings are forecast to grow, but not significantly.

Revenue vs Market: PYPL's revenue (5.2% per year) is forecast to grow slower than the US market (8.3% per year).

High Growth Revenue: PYPL's revenue (5.2% per year) is forecast to grow slower than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: PYPL's Return on Equity is forecast to be high in 3 years time (24.9%)

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/04/10 21:50
End of Day Share Price 2025/04/10 00:00
Earnings2024/12/31
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

PayPal Holdings, Inc. is covered by 77 analysts. 42 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Oliver LesterArete Research Services LLP
Stephen BiggarArgus Research Company
Colin SebastianBaird