Stock Valuation / PYPL
Is PayPal Holdings, Inc. (PYPL) Overvalued? Fair Value & 5-Year Target
PayPal Holdings, Inc. trades at $56.17 (P/E 10.62). Our reference model estimates a fair value of $179.29 at its recent average P/E of 33.89.
| Current price | $56.17 |
|---|---|
| Current EPS | $5.29 |
| Current P/E | 10.62 |
| Average P/E | 33.89 |
| Fair value (at avg P/E) | $179.29 |
| Upside to fair value | +219.2% |
| Illustrative 5-yr target (25× P/E, 15% growth) | $266.00 |
What drives PYPL's valuation
Changing either assumption moves the target: a higher P/E multiple or faster EPS growth raises fair value, a lower multiple or slower growth lowers it. The interactive dashboard lets you edit both and re-run the model instantly.
About PayPal Holdings, Inc.
PayPal Holdings, Inc. operates a technology platform that enables digital payments for merchants and consumers worldwide. The company operates a two-sided network at scale that connects merchants and consumers that enables its customers to connect, transact, and send and receive payments through online and in person, as well as transfer and withdraw funds using various funding sources, such as bank accounts, PayPal or Venmo account balance, consumer credit and debit products, credit and debit cards, and cryptocurrencies, as well as other stored value products, including gift cards and eligible rewards. It provides payment solutions under the PayPal, PayPal Credit, Braintree, Venmo, Xoom, Hyp
Frequently asked questions
What is PYPL's fair value?
At its recent average P/E of 33.89, PayPal Holdings, Inc. (PYPL) has a reference fair value of about $179.29, which is +219.2% versus the current price of $56.17.
Is PayPal Holdings, Inc. (PYPL) overvalued or undervalued?
Based on the average-P/E reference model, PayPal Holdings, Inc. looks undervalued relative to fair value by roughly +219.2%. This is a model output, not investment advice — change the P/E and growth assumptions in the dashboard for your own view.
What is a 5-year price target for PYPL?
Under an illustrative model of 25× P/E and 15% annual EPS growth, the implied 5-year target is $266.00. Adjust both inputs on the interactive page to match your assumptions.
Open the interactive PYPL valuation dashboard →
Figures are for informational purposes only and are not investment advice. Data as of 2026-10-14.