What Is PYPL Fair Value?
PayPal Holdings Inc. (PYPL) fair value estimate using multiple valuation models, updated daily.
As of August 1, 2026, PayPal Holdings Inc. (PYPL) has a composite fair value estimate of $54.44 based on four valuation models: DCF (35% weight), Graham Number (25% weight), PEG (25% weight), and DDM (15% weight). The current market price is $57.21, suggesting the stock is fair value by 4.8%.
Data as of August 1, 2026 (today)
Composite Fair Value
Fair Value4 of 4 models$54.44
vs. current price of $57.21(-4.8%)
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 →
$65.35
+14.2%Fair Value
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 →
$5.97
-89.6%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 →
$52.75
-7.8%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.
$53.79
-6.0%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 $57.21 is 14.2% below this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $4.62B | $4.20B |
| Year 2 | $4.83B | $3.99B |
| Year 3 | $5.05B | $3.78B |
| Year 4 | $5.27B | $3.59B |
| Year 5 | $5.51B | $3.41B |
| Year 6 | $5.76B | $3.24B |
| Year 7 | $6.01B | $3.07B |
| Year 8 | $6.28B | $2.92B |
| Year 9 | $6.56B | $2.77B |
| Year 10 | $6.86B | $2.63B |
| Terminal Value | $92.96B | $35.63B |
What Are PYPL's Key Financial Metrics?
Earnings & Growth
Current Price
$57.21
EPS (TTM)
$5.29
Forward P/E
9.9
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
$58.13
High
$147.39
Upside
+1.6%
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 $54.44. The stock is currently trading at $57.21, 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 $57.21 is 4.8% above our estimated fair value of $54.44.
What do Wall Street analysts say about PYPL?
33 analysts cover PayPal Holdings Inc. with a consensus rating of "Hold." The average price target is $58.13, ranging from $36.00 to $147.39. This implies 1.6% upside from the current price.