Mulya.ai
Ticker
PYPL
Scenario
Key Inputs
Revenue est.?Analyst
OP margin est.?hist_ind
Reinvestment est.?projected
R&D capitalizedNo
Leases factoredNo
Key Assumptions
WACC ?9.7%
ERP ?4.5%
Risk-free rate ?4.1%
Beta (blended) ?1.266
Beta (levered) ?1.513
Terminal OM% ?19.1%
Segment conc. ?90% dominant
Terminal growth ?4.1%
Bond rating ?AAA · 0.60%
ROIC option ?Opt 4 · 23.6%
Prob of failure ?0.0%
Pipeline validated · 2026-05-17

PYPL · PayPal Holdings, Inc.

$45.342026-05-17
Sector: Financial Services; Industry: Financial - Credit Services; Sub-Industry: Transaction & Payment Processing Services

Intrinsic Value Range Comparison · Mulya.ai

Bull
$143
+215.9% vs market
Base · active
$108
+137.7% vs market
Bear
$98
+117.2% vs market
Mulya.ai vs Analyst IV Comparison?
Market $45
Median $51
Bear $98
Base $108
Bull $143
Market Price $45
Mulya.ai Base $108
Analysts Median $51
Mulya.ai IV range ($98 · $143)
Analysts Range ($34 · $87)
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
2021.Q4$25.4B16.8%0.0%$4.3B−$4.1B$284MM10.2%20.3%$21.4B$4.44
2022.Q4$27.5B8.5%13.9%28.1%$2.8B$157MM$2.9B10.6%13.4%$19.8B$2.58
2023.Q4$29.8B8.2%16.9%21.5%$3.9B−$865MM$3.1B10.2%21.6%$16.7B$4.52
2024.Q4$31.8B6.8%16.7%22.2%$4.1B−$209MM$3.9B10.8%22.9%$19.5B$4.42
2025.Q4$33.2B4.3%18.3%16.8%$5.0B−$953MM$4.1B10.9%25.7%$19.8B$5.577.0
italics below = DCF projection · 10yr Rev CAGR: 5.4%
2026.Q4$34.1B+2.8%18.3%17.1%$5.2B−$755MM$4.4B9.6%$4.0B25.6%$20.6B$5.508.2
2027.Q4$35.5B+4.2%18.5%17.5%$5.4B−$1.0B$4.4B9.5%$3.6B25.7%$21.6B$5.777.9
2028.Q4$37.3B+4.9%18.6%17.8%$5.7B−$1.1B$4.6B9.4%$3.5B25.7%$22.7B$6.087.5
2029.Q4$41.2B+10.5%18.8%18.1%$6.3B−$2.4B$3.9B9.3%$2.7B26.5%$25.1B$6.756.7
2030.Q4$43.9B+6.5%19.1%18.4%$6.9B−$1.7B$5.1B9.2%$3.3B26.4%$26.9B$7.306.2
Term. Yr+$58.4B4.1%19.1%20.0%$9.0B−$1.6B$7.4B8.6%$68.5B23.6%
Active scenario IV: $108 (+137.7% vs market)