What Is PYPL Fair Value?
PayPal Holdings Inc. (PYPL) fair value estimate using multiple valuation models, updated daily.
As of September 15, 2026, PayPal Holdings Inc. (PYPL) has a composite fair value estimate of $55.48 based on four valuation models: DCF (35% weight), Graham Number (25% weight), PEG (25% weight), and DDM (15% weight). The current market price is $53.81, suggesting the stock is fair value by 3.1%.
Data as of September 15, 2026 (today)
Composite Fair Value
Fair Value4 of 4 models$55.48
vs. current price of $53.81(+3.1%)
How Is PYPL Fair Value Calculated?
Four independent models estimate what PYPL is worth. Each uses different inputs and assumptions. The composite blends them by weight.
PYPL Intrinsic Value
Forward-looking models based on future cash flows
DCF (Discounted Cash Flow)
35% weightEstimates how much cash the company will generate over the next 10 years, then calculates what all that future cash is worth in today's dollars. Includes a 15% safety cushion. Try the standalone DCF calculator →
$67.72
+25.9%Undervalued
Inputs used
DDM (Dividend Discount Model)
15% weightIf a company pays you dividends, this model asks: how much are all those future dividend payments worth today? Only works for stocks that pay dividends. Try the intrinsic value calculator →
$6.11
-88.6%Overvalued
Inputs used
PYPL Fair Value
Current fundamentals: earnings, assets, and growth rate
Graham Number (Value Investing)
25% weightCreated by legendary investor Benjamin Graham. It looks at two things: how much the company earns (EPS) and what its assets are worth (Book Value), then calculates the maximum price a careful investor should pay. Try the fair value calculator →
$52.81
-1.9%Fair Value
Inputs used
PEG (Price/Earnings to Growth)
25% weightChecks if you're paying a fair price for the company's growth. A fast-growing company deserves a higher price than a slow one. This model finds the right price based on how fast earnings are growing.
$53.91
+0.2%Fair Value
Inputs used
What If You Change the Assumptions?
Drag the sliders to test different scenarios. Tap the ? buttons to learn what each input means.
Your DCF Fair Value
Current price $53.81 is 25.9% below this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $4.62B | $4.21B |
| Year 2 | $4.82B | $4.00B |
| Year 3 | $5.04B | $3.81B |
| Year 4 | $5.26B | $3.62B |
| Year 5 | $5.49B | $3.44B |
| Year 6 | $5.73B | $3.27B |
| Year 7 | $5.99B | $3.11B |
| Year 8 | $6.25B | $2.96B |
| Year 9 | $6.53B | $2.82B |
| Year 10 | $6.82B | $2.68B |
| Terminal Value | $95.92B | $37.71B |
What Are PYPL's Key Financial Metrics?
Earnings & Growth
Current Price
$53.81
EPS (TTM)
$5.29
Forward P/E
9.3
Profit Margin
14.4%
Cash & Balance Sheet
Free Cash Flow
4.4B
EBITDA
6.5B
Book Value
$22.99
Total Debt
14.2B
What Do Analysts Say About PYPL?
Low
$36.00
Average
$57.07
High
$80.00
Upside
+6.1%
PYPL Fair Value FAQ
What is the fair value of PYPL?
Based on our composite model (DCF 35%, Graham 25%, PEG 25%, DDM 15%), PYPL's estimated fair value is $55.48. The stock is currently trading at $53.81, which makes it fair value by our analysis.
How is PYPL's fair value calculated?
We use four valuation methods: Discounted Cash Flow (DCF), Graham Number, PEG-based Fair Value, and Dividend Discount Model (for dividend-paying stocks). The composite score weights DCF at 35%, Graham and PEG at 25% each, and DDM at 15%. When a model can't be applied, its weight is redistributed proportionally.
Is PYPL overvalued or undervalued?
Based on our analysis, PYPL is fair value. The current price of $53.81 is 3.1% below our estimated fair value of $55.48.
What do Wall Street analysts say about PYPL?
32 analysts cover PayPal Holdings Inc. with a consensus rating of "Hold." The average price target is $57.07, ranging from $36.00 to $80.00. This implies 6.1% upside from the current price.