What Is PYPL Fair Value?
PayPal Holdings Inc. (PYPL) fair value estimate using multiple valuation models, updated daily.
As of October 31, 2026, PayPal Holdings Inc. (PYPL) has a composite fair value estimate of $59.20 based on four valuation models: DCF (35% weight), Graham Number (25% weight), PEG (25% weight), and DDM (15% weight). The current market price is $57.01, suggesting the stock is fair value by 3.8%.
Data as of October 31, 2026 (today)
Composite Fair Value
Fair Value4 of 4 models$59.20
vs. current price of $57.01(+3.8%)
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 →
$75.02
+31.6%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 →
$6.45
-88.7%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 →
$53.89
-5.5%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.
$55.46
-2.7%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 $57.01 is 31.6% below this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $4.72B | $4.30B |
| Year 2 | $4.97B | $4.12B |
| Year 3 | $5.23B | $3.95B |
| Year 4 | $5.51B | $3.79B |
| Year 5 | $5.80B | $3.64B |
| Year 6 | $6.10B | $3.49B |
| Year 7 | $6.42B | $3.34B |
| Year 8 | $6.76B | $3.20B |
| Year 9 | $7.12B | $3.07B |
| Year 10 | $7.49B | $2.94B |
| Terminal Value | $105.38B | $41.43B |
What Are PYPL's Key Financial Metrics?
Earnings & Growth
Current Price
$57.01
EPS (TTM)
$5.24
Forward P/E
9.7
Profit Margin
13.8%
Cash & Balance Sheet
Free Cash Flow
4.5B
EBITDA
6.5B
Book Value
$23.28
Total Debt
14.3B
What Do Analysts Say About PYPL?
Low
$36.00
Average
$57.10
High
$80.00
Upside
+0.2%
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 $59.20. The stock is currently trading at $57.01, 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 $57.01 is 3.8% below our estimated fair value of $59.20.
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 $57.10, ranging from $36.00 to $80.00. This implies 0.2% upside from the current price.