Mulya.ai
Ticker
PYPL
Scenario
Key Inputs
Revenue est.?Analysttaper yr3
OP margin est.?hist_ind
Reinvestment est.?projected
R&D capitalizedNo
Leases factoredNo
Key Assumptions
WACC ?10.0%
ERP ?4.5%
Risk-free rate ?4.1%
Beta (blended) ?1.336
Beta (levered) ?1.604
Terminal OM% ?19.1%
Segment conc. ?90% dominant
Terminal growth ?4.1%
Bond rating ?AAA · 0.60%
ROIC option ?Opt 4 · 22.0%
Prob of failure ?0.0%
Pipeline validated · 2026-07-21

PYPL · PayPal Holdings, Inc.

$44.292026-07-21
Sector: Financial Services; Industry: Financial - Credit Services; Sub-Industry: Transaction & Payment Processing Services

Intrinsic Value Range Comparison · Mulya.ai

Bull
$151
+240.8% vs market
Base · active
$103
+132.3% vs market
Bear
$97
+120.0% vs market
Mulya.ai vs Analyst IV Comparison?
Market $44
Median $50
Bear $97
Base $103
Bull $151
Market Price $44
Mulya.ai Base $103
Analysts Median $50
Mulya.ai IV range ($97 · $151)
Analysts Range ($34 · $65)
Fundamentals · historical + forward · base
italics = DCF projection
PeriodRevenueRev Gr ?Ops M% ?Tax Rate ?NOPAT ?
Reinvest ?
FCFF ?WACC% ?PV FCFF ?ROIC ?Inv. Cap ?EPS ?P/E
2024.Q1$29.8B16.9%21.8%$3.9B−$264MM$3.7B8.9%24.5%$16.1B$4.62
2024.Q4$29.8B0.0%16.9%22.2%$3.9B−$209MM$3.7B10.8%22.0%$19.5B$4.62
2025.Q1$31.8B6.8%16.7%20.6%$4.2B−$1.1B$3.2B9.3%21.2%$20.5B$4.51
2025.Q4$31.8B0.0%16.7%16.8%$4.4B−$953MM$3.5B10.9%22.0%$19.8B$4.51
2026.Q1$33.7B6.1%17.9%16.8%$5.0B−$1.2B$3.8B9.2%25.1%$20.1B$5.506.8
italics below = DCF projection · 10yr Rev CAGR: 5%
2027.Q1$34.7B+2.9%17.9%17.1%$5.1B−$1.3B$3.8B9.9%$3.5B24.8%$21.4B$5.587.9
2028.Q1$36.2B+4.2%18.1%17.5%$5.4B−$1.4B$4.0B9.8%$3.3B24.5%$22.8B$5.887.5
2029.Q1$37.7B+4.2%18.4%17.8%$5.7B−$1.1B$4.6B9.6%$3.5B24.4%$23.9B$6.197.2
2030.Q1$39.5B+5.0%18.6%18.1%$6.0B−$1.8B$4.2B9.5%$2.9B24.3%$25.7B$6.566.8
2031.Q1$45.0B+13.8%19.1%18.4%$7.0B−$5.1B$1.9B9.4%$1.2B24.9%$30.8B$7.645.8
Term. Yr+$57.3B4.1%19.1%20.0%$8.8B−$1.6B$7.1B8.6%$65.2B22.0%
Active scenario IV: $103 (+132.3% vs market)