# PayPal - PayPal Holdings, Inc. (PYPL)

Stock code PYPL · Yahoo ticker PYPL · Sector: Financial Services

Overall fundamentals score: 57/100 (Okay). Top 42% of scored stocks.

## Pillar scores

| Pillar | Score | Status |
|---|---|---|
| Business Strength | 63/100 | Okay |
| Financial Safety | 67/100 | Okay |
| Cash & Dividends | 63/100 | Okay |
| Price Fairness | 33/100 | Weak |
| Risk | 63/100 | Okay |

## Every measure

PayPal (PYPL): Overall score: 57/100 (Okay)

Business Strength: 63/100 (Okay)
Return on Equity (ROE) 24% - Strong
4-Year Revenue Growth +5%/yr - Okay
4-Year Profit Growth +4%/yr - Okay
Net Profit Margin 14% - Okay

Financial Safety: 67/100 (Okay)
Debt-to-Equity 0.7× - Okay
Current Ratio 1.3× - Okay
Interest Coverage 12.7× - Strong

Cash & Dividends: 63/100 (Okay)
Dividend Quality 1% - Weak
Operating Cash Flow Positive & growing - Strong
Free Cash Flow Positive & growing - Strong
Cash & Cash Equivalents Partly healthy - Okay

Price Fairness: 33/100 (Weak)
P/E Ratio 10.1× - Strong
P/B Ratio 2.5× - Weak
PEG Ratio 2.8 - Weak

Risk: 63/100 (Okay)
Earnings Consistency Uneven - Okay
Debt Trend (4yr) Rising - Weak
Share Count Trend (4yr) -8%/yr - Strong
Asset Turnover Trend (4yr) +16% - Strong

## Common questions

### What is PayPal's fundamentals score?

PayPal (PYPL) scores 57/100 (Okay) on Score Your Stock's educational fundamentals model: in the top 42% of 503 scored S&P 500 stocks.

### Which pillar is PayPal strongest and weakest on?

Its strongest pillar is Financial Safety (67/100); its weakest is Price Fairness (33/100).

### How does PayPal rank against its sector?

PayPal ranks #35 of 56 scored Financial Services stocks on Score Your Stock.

### Does PayPal pay dividends?

Yes. PayPal (PYPL) has a dividend yield of 1%, from dividends with an ex-date in the last 12 months. It pays out 11% of its profit as dividends. That payout is at least 3 times its best earlier year, so it is likely a one-off rather than a regular dividend. Its Cash & Dividends pillar scores 63/100.

### How do I buy PayPal shares?

From Malaysia, open an account with a broker that offers US shares (many local and app-based brokers do), convert ringgit to US dollars, then buy PYPL. US shares trade one share at a time, not in lots of 100. Check the currency conversion fee and US dividend tax (usually 30% withheld for Malaysians) before you buy.

### How is this score calculated?

The overall score pools every measure across 5 weighted pillars: Business Strength, Financial Safety, Cash & Dividends, Price Fairness, and Risk. It uses the same rules as our Bursa scores. For banks, Financial Safety checks nonaccrual (impaired) loans, loan loss coverage and the CET1 capital ratio, from the FDIC call report of the group's main bank. Full methodology and the default weights: https://scoreyourstock.com/how. This is an educational tool, not investment advice.

### What is PayPal (PYPL), in plain English?

PayPal (PYPL) is a Financial Services company (Credit Services). On Score Your Stock's fundamentals check, it scores 57/100, rated Okay. Its biggest strength is Financial Safety (67/100); its main watch-out is Price Fairness (33/100). Shares currently cost about 10 years of its current profit to buy (P/E 10.1×). Full breakdown and daily-updated score: https://scoreyourstock.com/stocks/us/pypl-paypal

Market data as of 31 Oct 2026.
Full page with charts and explanations: https://scoreyourstock.com/stocks/us/pypl-paypal
Educational tool, not investment advice. Data isn't real-time.