What Is PayPal Holdings, Inc. (PYPL) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, PayPal Holdings, Inc.'s intrinsic value is estimated at a composite fair value of $68.16. While the stock appears modestly undervalued at $47.65 (implied upside of +43.0%), our analysis suggests a thinner margin of safety across 7 of 11 bullish models. Notably, RCMH-DCF sees the most upside at +179.0% (fair value: $132.96), while Sentiment SOTP is the most conservative at -42.4% ($27.44). The spread between these extremes — +221.5% — reveals how different analytical frameworks can reach starkly different conclusions. Among models with highest confidence, EPV lean bearish — adding weight to the bearish side of the thesis.
What Do the Models Say About PYPL?
11 of 13 models are currently active for PYPL. Of these, 7 models suggest upside while 4 models suggest overvaluation. The Bayesian DCF estimates PYPL's intrinsic value at $112.20, implying +135.5% upside from the current price. See which stocks rank higher →
How Does PYPL Rank in Services-Business Services, NEC?
Among 94 Services-Business Services, NEC stocks, PYPL ranks #16 by Quality of Company score. CirclFi's QOC score of 9.2/10 evaluates 32 fundamental signals. A score of 9.2 places PYPL in the top tier.
See all Most Undervalued Services-Business Services, NEC Stocks →
PayPal Holdings, Inc. operates in a competitive landscape where fundamental quality metrics are key differentiators for long-term value creation.
Is PYPL a Value Trap?
CirclFi's Value Trap algorithm assigns PYPL a score of 6/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
11 of 13 models are active for PayPal Holdings, Inc.. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, PayPal Holdings, Inc. is rated at 9.2/10. This elite-tier score ranks among the highest-quality businesses in our coverage universe.
The gap between the most bullish and bearish model spans +221.5% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every PYPL valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across PYPL's 11 active models, average confidence is 47%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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