PayPal Holdings, Inc. (2PP.DE)
ValueMarkers Composite Index
60% below intrinsic value ($97)
PayPal Holdings, Inc. (2PP.DE) — VMCI valuation read
Headline read on 2PP.DE: VMCI of 65/100 versus a Financial Services sector median of 50. The 15-point above-median position is what makes PayPal Holdings, Inc. a relative-value candidate in the mid-cap cohort, before any pillar-level review.
Form 4 filings on 2PP.DE: zero in the trailing 30 days. The absence of insider transactions is itself a data point, just a low-information one. The thesis runs on financials and price action until that changes.
**Investor frame.** Three reads on 2PP.DE: value (2PP.DE trades at 21.0x earnings, 17% above the Financial Services median of 18.0x), quality (ROIC of 15.0% sits 5.0pp above the Financial Services median (10.0%)), and risk (net debt to EBITDA of 0.0x leaves covenant headroom). The value read also implies an EV/EBITDA gap of +4.0x against the Financial Services 12.0x baseline.
2PP.DE fell 1.4% over the trailing 7 days, with a -11.7% read on a 30-day basis.
PayPal Holdings, Inc. operates a technology platform that enables digital payments on behalf of merchants and consumers worldwide. It provides payment solutions under the PayPal, PayPal Credit, Braintree, Venmo, Xoom, Zettle, Hyperwallet, Honey, and Paidy names. The company's payments platform allows consumers to send and receive payments in approximately 200 markets and in approximately 100 currencies, withdraw funds to their bank accounts in 56 currencies, and hold balances in their PayPal accounts in 25 currencies. PayPal Holdings, Inc. was founded in 1998 and is headquartered in San Jose, California.
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