PayPal Holdings, Inc. (PYPL) scored on five pillars from its reported financial statements, and ranked against 261 Financials companies.
PayPal Holdings, Inc. (PYPL) scores 7.5 out of 10 as of , computed from its reported financial statements. That reads as high quality. The reading rests on efficiency, and growth is what holds it back.
Data provided by Twelve Data. Scores are computed by Lemma Analysis from reported financials.
PayPal Holdings, Inc.’s returns on capital beat their cost in almost every measured year, by a clear margin: 4 of 4 indicators passed.
Quantitative signs of a moat, read from the filed statements. This is not a judgement of where it comes from (brand, network effects, switching costs). How Lemma measures a moat →
The Quality Score for PYPL stands at 7.5 out of 10 as of October 16, 2026, which puts PayPal Holdings, Inc. in the high quality band. Businesses in this band tend to combine good returns with a sound balance sheet, even if one pillar lags the others. It rolls PayPal Holdings, Inc.’s profitability, solvency, growth, efficiency and predictability into one number, each judged against the norms of its sector.
Ranked with the 261 Financials companies Lemma publishes, the score sits at the 90th percentile, in the top tenth of its peers. A typical company in the group scores 5.9, and the best quarter starts from 6.8. PayPal Holdings, Inc. is well above that typical reading.
On profitability, PayPal Holdings, Inc. scores 8.2, a strong reading. Its peers have a median of 6.8 across 255 Financials companies, which places it above them, at the 85th percentile. Returns and margins at this level leave room to reinvest, absorb a bad year or return cash to shareholders without straining the business.
PayPal Holdings, Inc.’s solvency score is 8.3 out of 10 (strong). Against a median of 8.5 among 140 Financials companies, that is in line with the group and the 45th percentile. A high solvency score means leverage is modest relative to earnings and cash flow, which gives management room to act in a bad year.
Growth scores 5.3 out of 10, which reads as average. The median across 241 Financials companies is 4.6, so PayPal Holdings, Inc. is above its peers on this pillar and ranks at the 61st percentile. A middling growth reading is typical of a mature company whose next step depends on reinvestment rather than on its market growing for it.
Efficiency scores 8.8 out of 10, which reads as strong. The median across 211 Financials companies is 5.8, so PayPal Holdings, Inc. is well above its peers on this pillar and ranks at the 78th percentile. Efficiency at this level means the company needs comparatively little capital to produce what it sells.
On predictability, PayPal Holdings, Inc. scores 7.0, a strong reading. Its peers have a median of 4.9 across 256 Financials companies, which places it well above them, at the 89th percentile. High predictability means the company’s results have moved steadily from year to year, which makes the other pillars more trustworthy as a guide.
The gap between PayPal Holdings, Inc.’s best and worst pillar is wide: efficiency at 8.8 against growth at 5.3, 3.5 points apart. An average of two readings this different deserves a closer look than the headline number. Leading with efficiency points to disciplined use of capital, a strength that compounds quietly. Slow growth limits how fast the business can compound, even when everything else is in order.
PayPal Holdings, Inc. has no pillar below the median of Financials companies, which leaves little room to rise. Its exposure is to slippage instead, and profitability carries the most weight: one point less there would mean an overall of roughly 7.3 rather than 7.5. The weights add up to 100 points (profitability 25, solvency 20, growth 20, efficiency 15, predictability 20), and PayPal Holdings, Inc. has a reading on every pillar.
For a fair comparison, start with companies of a similar size: the Financials companies below are nearest to PayPal Holdings, Inc. by market value, each scored on the same pillars.
How much profit the company generates from its capital and sales.
The company’s ability to service debt and meet its obligations.
How fast revenue, earnings and cash flow are compounding.
How well assets and earnings convert into cash and output.
How stable and consistent results have been over time.
Each metric is scored from 0 to 10 against sector-aware benchmarks, where higher is better. Metrics roll up into five pillars, and the pillars combine into the overall score using the weights shown. Sector-sensitive metrics are judged relative to peers in the same sector.
This score is a systematic, backward-looking read of reported fundamentals. It does not judge valuation, management quality, competitive moat, or future prospects, and can be distorted by one-off items or unusual accounting. Treat it as a starting point, not a recommendation.
Educational only. Not investment advice.
On this reading PayPal Holdings, Inc. scores 7.5 out of 10, which reads as high quality. Its strongest pillar is efficiency, its weakest is growth. Quality is not the same as a good investment: the score says nothing about the price you would pay.
PayPal Holdings, Inc. ranks at the 90th percentile of the 261 Financials companies Lemma publishes a score for. The median there is 5.9 and the top quarter starts at 6.8, against PayPal Holdings, Inc.’s 7.5.
Five pillars, each scored from 0 to 10 against sector-aware benchmarks and then weighted into one overall reading: profitability, solvency, growth, efficiency and predictability. Everything comes from reported financials, and nothing comes from price, sentiment or forecasts.
This page last changed on October 16, 2026. The score moves with the financial statements, so the page changes when a new filing moves the reading rather than on a schedule. Live figures for PYPL are in the app.
No. Quality and valuation are separate questions, and a good business at the wrong price is still a bad purchase. Score the business here, then price it with a DCF you control.
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