PayPal was spun off from eBay in 2015 and provides electronic payment solutions to merchants and consumers, with a focus on online transactions. The company had 426 million active accounts at the end of 2023. The company also owns Venmo, a person-to-person payment platform.

Financial Strength

7/10

Name	Current	Vs Industry
Cash-To-Debt	1.4
Equity-to-Asset	0.25
Debt-to-Equity	0.47
Debt-to-EBITDA	1.38
Interest Coverage	15.46
Piotroski F-Score	7/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	1.89	Distress Grey Safe
Beneish M-Score	-2.55	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

10/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	14.2
	3-Year EBITDA Growth Rate	4.3
	3-Year EPS without NRI Growth Rate	16.5
	3-Year FCF Growth Rate	-5.5
	3-Year Book Growth Rate	4.7
	Future 3-5Y EPS without NRI Growth Rate Estimate	13.66
	Future 3-5Y Total Revenue Growth Rate Estimate	7.6

Momentum Rank

8/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	77.17
	9-Day RSI	67.32
	14-Day RSI	64.32
	6-1 Month Momentum %	5.81
	12-1 Month Momentum %	7.98

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	1.24
	Quick Ratio	1.24
	Cash Ratio	0.27
	Days Sales Outstanding	445.55
	Days Payable	870.31

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	2.9
	Shareholder Yield %	7.55

Profitability Rank

10/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	45.48
	Operating Margin %	17.54
	Net Margin %	14.3
	FCF Margin %	21.6
	ROE %	21.8
	ROA %	5.54
	ROIC %	20.44
	3-Year ROIIC %	399.88
	ROC (Joel Greenblatt) %	400.08
	ROCE %	18.02
	Years of Profitability over Past 10-Year	10

GF Value Rank

10/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	18.73
	Forward PE Ratio	15.99
	PE Ratio without NRI	18.08
	Shiller PE Ratio	29.3
	Price-to-Owner-Earnings	21.4
	PEG Ratio	1.25
	PS Ratio	2.68
	PB Ratio	3.87
	Price-to-Tangible-Book	8.49
	Price-to-Free-Cash-Flow	12.24
	Price-to-Operating-Cash-Flow	11.23
	EV-to-EBIT	11.82
	EV-to-Forward-EBIT	12.4
	EV-to-EBITDA	10.04
	EV-to-Forward-EBITDA	10.32
	EV-to-Revenue	2.28
	EV-to-Forward-Revenue	2.07
	EV-to-FCF	10.37
	Price-to-Projected-FCF	0.89
	Price-to-DCF (Earnings Based)	0.78
	Price-to-DCF (FCF Based)	0.52
	Price-to-Peter-Lynch-Fair-Value	1.54
	Price-to-Graham-Number	2.61
	Earnings Yield (Greenblatt) %	8.46
	FCF Yield %	8.47
	Forward Rate of Return (Yacktman) %	17.61

GF Value: $94.22

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