PayPay
PAYP
15.35
-0.16
-1.03%
PayPay
US · PAYP
#1456 by market cap
Listed 2026
15.35
-0.16
-1.03%
Live - 5344 symbols - heartbeat 93s ago
· 2026-10-08 07:50
Pre-market
15.30
-0.33%
After-hours
15.53
+1.17%
Overnight
15.30
-0.33%
- Market cap
- 10.39B
- P/E (TTM)i
- 14.28
- P/Bi
- 4.17
- EPSi
- 1.08
- Div yieldi
- 0.00%
- 52W posi
- 26%
Reader sentiment
Are you bullish or bearish on PAYP?
Anonymous reader poll. Unscientific, not investment advice.
✦ Quant Financial Health how this is computed
Weak
- Altman Z-Score is -0.33, below the 1.8 "distress zone" threshold.
- Most reliable for industrial/manufacturing companies; less meaningful for banks, insurers and other financials.
Revenue annual, last 4 years
Latest year +27.28% YoY
Margins
- Gross margin
- 87.04%
- Operating margin
- 28.66%
- Net margin
- 31.30%
Key ratios & quality
- Enterprise valuei
- -158.90B
- Altman Z-Scorei
- -0.33
Altman Z-Score below ~1.8 suggests financial distress risk, above ~3.0 suggests low risk; the model is most reliable for industrial/manufacturing companies and less meaningful for banks and other financial firms.
Income statement
| Line item | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| Revenue | 201.19B | 254.61B | 299.08B | 380.66B |
| Gross profit | 166.74B | 210.25B | 250.55B | 319.89B |
| Selling & admin expenses | 87.14B | 91.66B | 89.86B | 98.30B |
| Research & development | -- | -- | -- | -- |
| Operating profit | -5.98B | 15.57B | 60.01B | 105.32B |
| Pretax profit | -20.55B | 11.00M | 34.96B | 79.95B |
| Tax | 4.40B | 841.00M | -4.20B | -37.87B |
| Net profit | -24.95B | -830.00M | 39.16B | 117.81B |
| Basic EPS | -39 | -5 | 54 | 180 |
| Diluted EPS | -38.67 | -5.01 | 54.10 | 178.55 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Revenue | 78.63B | 86.15B | 92.48B | 99.85B | 102.18B | 109.79B |
| Gross profit | 66.00B | 71.47B | 79.02B | 85.58B | 83.82B | 93.34B |
| Selling & admin expenses | 24.44B | 23.28B | 24.79B | 24.87B | 25.36B | 24.80B |
| Research & development | -- | -- | -- | -- | -- | -- |
| Operating profit | 33.05B | 14.61B | 20.89B | 25.10B | 44.72B | 29.60B |
| Pretax profit | 7.16B | 15.86B | 20.43B | 24.82B | 18.84B | 29.81B |
| Tax | -3.04B | 5.05B | -52.79B | 5.51B | 4.36B | 10.06B |
| Net profit | 10.20B | 10.81B | 73.22B | 19.31B | 14.47B | 19.75B |
| Basic EPS | 14 | 16 | 109 | 28 | 21 | 27 |
| Diluted EPS | 14.49 | 15.72 | 108.56 | 27.56 | 20.75 | 27.02 |
Balance sheet
| Line item | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| Total current assets | 2.65T | 2.14T | 1.86T | 2.05T |
| Cash & ST investments | 859.31B | 942.66B | 614.32B | 736.58B |
| Inventory | -- | -- | -- | -- |
| Total assets | 3.29T | 3.81T | 4.04T | 5.18T |
| Total current liabilities | 675.80B | 3.36T | 3.47T | 4.22T |
| Short-term debt | -- | 377.45B | 86.74B | 75.32B |
| Long-term debt | 494.54B | 227.95B | 315.58B | 491.96B |
| Total liabilities | 3,096,728,000,000.00 | 3,615,131,000,000.00 | 3,818,374,000,000.00 | 4,745,251,000,000.00 |
| Total equity | 191.54B | 191.25B | 223.73B | 430.76B |
| Retained earnings | -62.26B | -43.52B | -4.89B | 109.87B |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Total current assets | 1.86T | 2.96T | -- | 3.21T | 2.05T | 3.39T |
| Cash & ST investments | 614.32B | 519.94B | -- | 505.53B | 736.58B | 490.39B |
| Inventory | -- | -- | -- | -- | -- | -- |
| Total assets | 4.04T | 4.41T | -- | 5.17T | 5.18T | 5.49T |
| Total current liabilities | 3.47T | 1.04T | -- | 1.33T | 4.22T | 1.17T |
| Short-term debt | 86.74B | 143.50B | -- | 115.00B | 75.32B | 87.00B |
| Long-term debt | 315.58B | 470.30B | -- | 453.31B | 491.96B | 670.09B |
| Total liabilities | 3,818,374,000,000.00 | 4,183,855,000,000.00 | -- | 4,851,934,000,000.00 | 4,745,251,000,000.00 | 5,043,792,000,000.00 |
| Total equity | 223.73B | 230.33B | -- | 320.23B | 430.76B | 449.93B |
| Retained earnings | -4.89B | 5.35B | -- | 96.36B | 109.87B | 128.30B |
Cash flow
| Line item | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| Operating cash flow | -194.70B | 49.98B | 155.85B | 375.30B |
| Depreciation & amortization | 14.66B | 18.59B | 21.39B | 25.48B |
| Free cash flow | -224.08B | 27.48B | 133.76B | 351.11B |
| Dividends paid | -4.93B | -179.00M | -283.00M | -311.00M |
| Stock buybacks / issuance | -- | -- | -- | -- |
| Ending cash balance | 859.31B | 744.32B | 369.81B | 363.08B |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Operating cash flow | -146.16B | 86.99B | 40.58B | 338.24B | -90.52B | -54.25B |
| Depreciation & amortization | 5.96B | 6.12B | 6.17B | 6.51B | 6.69B | 6.65B |
| Free cash flow | -151.98B | 80.26B | 34.98B | 332.06B | -96.19B | -60.13B |
| Dividends paid | 0 | -311.00M | 0 | 0 | 0 | 0 |
| Stock buybacks / issuance | -- | 121.62B | -293.00M | 0 | -- | -146.00M |
| Ending cash balance | 369.81B | 520.36B | 386.58B | 506.23B | 363.08B | 491.09B |
Returns & efficiency
| Line item | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| ROE %i | -35.88 | -4.88 | 43.83 | 46.57 |
| ROA %i | -0.79 | -0.09 | 0.92 | 2.50 |
| ROIC %i | -4.29 | -0.23 | 6.64 | 16.40 |
| 5-year avg ROE %i | -- | -- | -- | -- |
| EBIT margin %i | -9.65 | 0.78 | 13.43 | 24.63 |
| FCF / sales %i | -- | 11.08 | 45.80 | 95.53 |
| Current ratioi | 3.91 | 0.64 | 0.54 | 0.49 |
| Quick ratioi | 3.50 | 0.54 | 0.46 | 0.47 |
| Debt / assetsi | 15.30 | 16.05 | 10.18 | 11.10 |
| LT debt / equityi | 698.39 | 358.35 | 325.28 | 126.64 |
| Interest coveragei | -12.56 | 1.01 | 9.22 | 8.55 |
| Revenue CAGR (3Y) %i | -- | -- | -- | 23.06 |
| Net income CAGR (3Y) %i | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| ROE %i | 43.83 | 21.51 | -- | 39.13 | 46.57 | 40.41 |
| ROA %i | 0.92 | 0.95 | -- | 2.15 | 2.50 | 2.48 |
| ROIC %i | 6.64 | 5.65 | -- | 13.67 | 16.40 | 13.01 |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -- |
| EBIT margin %i | 13.43 | 16.17 | 19.66 | 22.28 | 24.63 | 27.11 |
| FCF / sales %i | 45.80 | 75.69 | 57.80 | 85.41 | 95.53 | 53.98 |
| Current ratioi | 0.54 | 2.83 | -- | 2.41 | 0.49 | 2.89 |
| Quick ratioi | 0.46 | 2.61 | -- | 2.36 | 0.47 | 2.84 |
| Debt / assetsi | 10.18 | 14.17 | -- | 11.18 | 11.10 | 13.94 |
| LT debt / equityi | 325.28 | 246.96 | -- | 163.08 | 126.64 | 164.24 |
| Interest coveragei | 9.22 | 8.73 | 8.89 | 8.78 | 8.55 | 8.87 |
| Revenue CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
✦ Quant Revenue Concentration how this is computed
Single-engine
- Payment is the largest reported line at 80.69% of revenue, across 3 reported segments.
- The next-largest line, Financial service, is a distant second at 20.46% - a sharp slowdown here would have little to offset it.
Revenue breakdown most recent period
Business
Payment80.69%
Financial service20.46%
Quote time 2026-10-08 07:50:57 · For reference only, not investment advice and not tailored to your situation.