PAYP

NEUTRAL

$20.85 Live

PayPay Corporation · NASDAQ

Target $25.49 (+22.2%)

$17.0 52W Range $24.89

PAYP PayPay Corporation - Fundamental Analysis

NEUTRAL

Console Chart News

PAYP Stock | Fundamental Analysis & Investment Insights

NASDAQ • Technology • Software - Infrastructure

Current Price Live

$20.85

Analyst Target

$25.49

+22.2% Upside

52W High

$24.89

52W Low

$17.0

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 17, 2026

Market cap

$14.11B

P/E

19.86

ROE

N/A

Profit margin

31.3%

Debt/Equity

1.81

Dividend yield

N/A

AI Analysis

AI-powered fundamental assessment

Confidence

80%

PAYP presents a dichotomy between strong operational performance and concerning financial health. While the Piotroski F-Score of 4/9 indicates stable but mediocre health, the company boasts impressive profit margins (31.28%) and robust YoY earnings growth (27.30%). However, liquidity is a primary concern with a current ratio of 0.94 and a high debt-to-equity ratio of 1.81. The stock trades significantly above its Graham Number ($8.14) but below its growth-based intrinsic value ($30.98), suggesting a premium based on growth expectations that is currently fighting a bearish technical trend.

Key Strengths

Strong profitability with a 31.28% profit margin

Robust revenue growth (23.90% YoY)

Accelerating Q/Q earnings growth (47.40%)

Low P/E ratio (19.86) relative to the technology sector average

Strong analyst consensus with a target price of $25.49

Key Risks

Liquidity risk indicated by a current ratio below 1.0 (0.94)

High leverage with a Debt/Equity ratio of 1.81

Bearish technical trend (0/100 score)

Weak insider sentiment (40/100)

Significant gap between current price and defensive Graham value ($8.14)

AI Fair Value Estimate

Based on comprehensive analysis

$23.5

+12.7% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Moderate

Value

Future

Past

Health

Dividend

AI Verdict

Speculative Growth

Key drivers: High operational margins, Strong growth trajectory, Poor liquidity/balance sheet health, Bearish technicals

Confidence

85%

Value

65/100

P/E 19.86, Graham $8.14, Intrinsic $30.98

Positives

P/E is very low compared to sector average
Price is below intrinsic value estimate

Watchpoints

Price/Book is high (7.43)
Trades at a massive premium to Graham Number

Future

88/100

Revenue Growth 23.9%, Earnings Growth 27.3%

Positives

Strong YoY revenue and earnings growth
High Q/Q earnings acceleration

Watchpoints

Sustainability of growth given sector volatility

Past

50/100

1Y Change +14.8%, Technical Trend 0

Positives

Positive 1Y return of 14.8%

Watchpoints

Technical trend is currently 0/100 (Bearish)

Health

35/100

Piotroski 4/9, Current Ratio 0.94

Positives

Piotroski F-Score is in the 'Stable' range (4/9)

Watchpoints

Current Ratio < 1.0
High Debt/Equity (1.81)
Quick Ratio (0.73) indicates potential short-term cash flow stress

Dividend

0/100

Dividend Strength 0/100

Positives

No standout positives identified.

Watchpoints

No dividend payments
0% payout ratio

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$20.85

Analyst Target

$25.49

Upside/Downside

+22.2%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for PAYP and closest competitors.

Updated 2026-04-16

Company	5Y	3Y	1Y	6M	1M	1W
PAYP PayPay Corporation Primary	+14.8%	+14.8%	+14.8%	+14.8%	+5.4%	-1.5%
KSPI Joint Stock Company Kaspi.kz Peer	-16.9%	-16.9%	-10.2%	+1.6%	+2.4%	+0.5%
OKTA Okta, Inc. Peer	-65.7%	-8.7%	-25.2%	-14.2%	+6.4%	+2.5%
LOGI Logitech International S.A. Peer	-7.0%	+68.8%	+30.4%	-9.4%	+1.8%	+2.1%
LSCC Lattice Semiconductor Corporation Peer	+117.8%	+16.6%	+146.6%	+51.0%	+25.6%	+10.8%

PAY

PayPay Corporation

Primary

+14.8%

+5.4%

-1.5%

KSP

Joint Stock Company Kaspi.kz

Peer

-16.9%

-10.2%

+1.6%

+2.4%

+0.5%

OKT

Okta, Inc.

Peer

-65.7%

-8.7%

-25.2%

-14.2%

+6.4%

+2.5%

LOG

Logitech International S.A.

Peer

-7.0%

+68.8%

+30.4%

-9.4%

+1.8%

+2.1%

LSC

Lattice Semiconductor Corporation

Peer

+117.8%

+16.6%

+146.6%

+51.0%

+25.6%

+10.8%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

19.86

N/A

7.43

0.04

1.42

6.5

$14.11B

Profitability

Profit margins and return metrics

Profit Margin 31.28%

Operating Margin 24.76%

Gross Margin 52.43%

ROE N/A

ROA N/A

Growth

Revenue and earnings growth rates

Revenue Growth +23.9%

Earnings Growth +27.3%

Q/Q Revenue Growth +23.11%

Q/Q Earnings Growth +47.4%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

1.81

High debt

Current Ratio

0.94

Weak

Quick Ratio

0.73

Poor

Cash/Share

$193.93

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue

$96.7B

Gross Margin

88.5%

Op. Margin

26.0%

Net Margin

19.1%

Total Assets

$5172.2B

Liabilities

$4851.9B

Equity

$284.2B

Debt/Equity

17.07x

Operating CF

$338.2B

CapEx

$-6.2B

Free Cash Flow

$332.1B

FCF Yield

98%

Technology Sector Comparison

Comparing PAYP against 383 companies in the Technology sector (32 bullish, 137 neutral, 214 bearish)

P/E Ratio

19.86

This Stock

97.74

Sector Avg

-79.7% (Discount)

Profit Margin

31.28%

This Stock

-11.73%

Sector Avg

-366.6% (Weaker)

Debt to Equity

1.81

This Stock

0.67

Sector Avg

+168.3% (Higher)

Revenue Growth

23.9%

This Stock

6431.4%

Sector Avg

-99.6% (Slower)

Current Ratio

0.94

This Stock

3.83

Sector Avg

-75.3% (Weaker)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
PAYP PayPay Corporation	NEUTRAL	$14.11B	19.86	-%	31.3%	$20.85
KSPI Joint Stock Company Kaspi.kz	NEUTRAL	$14.22B	6.43	51.2%	26.5%	$74.89	Compare
OKTA Okta, Inc.	BEARISH	$13.95B	57.45	3.5%	8.1%	$78.71	Compare
LOGI Logitech International S.A.	BULLISH	$13.92B	19.8	32.1%	14.9%	$94.43	Compare
LSCC Lattice Semiconductor Corporation	NEUTRAL	$14.75B	5388.0	0.4%	0.6%	$107.76	Compare

PAYP PayPay Corporation

NEUTRAL

Mkt Cap

$14.1B

P/E

19.9

ROE

Price

$20.85

Compare with PAYP

Compare with PAYP

Compare with PAYP

Compare with PAYP

Wall Street Analysts

Professional analyst ratings and price targets

Consensus

BUY

12 analysts

Goldman Sachs

2026-04-07

init

Buy

Deutsche Bank

2026-04-06

init

Hold

Citigroup

2026-04-06

init

Neutral

Jefferies

2026-04-06

init

Buy

Benchmark

2026-04-06

init

Buy

B of A Securities

2026-04-06

init

Buy

Morgan Stanley

2026-04-06

init

Equal-Weight

Mizuho

2026-04-06

init

Outperform

Macquarie

2026-03-16

init

Outperform

Past News Coverage

Recent headlines mentioning PAYP from our newsroom.

Newest → oldest

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PAYP

PAYP PayPay Corporation - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Technology Sector Comparison

Similar Companies

Wall Street Analysts

Past News Coverage

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