PayPay (PAYP) Stock Overview
A digital finance platform, provides payment and financial services in Japan. More details
| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 3/6 |
| Past Performance | 5/6 |
| Financial Health | 2/6 |
| Dividends | 0/6 |
PAYP Community Fair Values
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Analyst Price Targets
PayPay Corporation Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$18.45 |
| 52 Week High | US$24.89 |
| 52 Week Low | US$12.07 |
| Beta | 0 |
| 1 Month Change | 23.91% |
| 3 Month Change | 29.47% |
| 1 Year Change | n/a |
| 3 Year Change | n/a |
| 5 Year Change | n/a |
| Change since IPO | 1.60% |
Recent News & Updates
PAYP: Alliance With Seven And Life Insurance Overhang Should Drive Repricing
Analysts have nudged their blended price expectations for PayPay higher, with the fair value estimate moving from about $31.47 to $32.23. This reflects updated sector research that highlights steady U.S. consumer spending, credit trends, and a recalibration of earnings and risk expectations across recent price target changes between $18 and $23.PayPay: Inorganic Moves To Capture Structural Tailwinds
Summary I initiate coverage of PayPay Corporation (PAYP) with a Buy, after assessing market trends and corporate developments. PAYP's alliance with Seven & i Holdings unlocks significant digital payment adoption potential in an underpenetrated Japanese market. Acquisition of a 70.2% stake in T&D Financial Life Insurance enables PAYP to leverage its 75M user base for cross-selling financial products, as more Japanese re-assess their wealth management options. With a forward P/E of 20.4x versus GMO Payment Gateway's 26.9x and a PEG of 0.74, PAYP offers compelling upside as its inorganic initiatives bear fruit. Read the full article on Seeking Alpha
Slowing Ecosystem Monetisation And Credit Risks Will Test This Platform Before Rewards Arrive
Catalysts About PayPay PayPay operates a digital financial platform in Japan that combines payments, credit, banking, securities and planned life insurance offerings. What are the underlying business or industry changes driving this perspective?Alliance With Seven & I And Financial Expansion Will Reshape Long Term Earnings Power
Catalysts About PayPay PayPay operates a large digital payments and financial services platform in Japan that combines payments, banking, securities and credit products. What are the underlying business or industry changes driving this perspective?Recent updates
PAYP: Alliance With Seven And Life Insurance Overhang Should Drive Repricing
Analysts have nudged their blended price expectations for PayPay higher, with the fair value estimate moving from about $31.47 to $32.23. This reflects updated sector research that highlights steady U.S. consumer spending, credit trends, and a recalibration of earnings and risk expectations across recent price target changes between $18 and $23.PayPay: Inorganic Moves To Capture Structural Tailwinds
Summary I initiate coverage of PayPay Corporation (PAYP) with a Buy, after assessing market trends and corporate developments. PAYP's alliance with Seven & i Holdings unlocks significant digital payment adoption potential in an underpenetrated Japanese market. Acquisition of a 70.2% stake in T&D Financial Life Insurance enables PAYP to leverage its 75M user base for cross-selling financial products, as more Japanese re-assess their wealth management options. With a forward P/E of 20.4x versus GMO Payment Gateway's 26.9x and a PEG of 0.74, PAYP offers compelling upside as its inorganic initiatives bear fruit. Read the full article on Seeking AlphaSlowing Ecosystem Monetisation And Credit Risks Will Test This Platform Before Rewards Arrive
Catalysts About PayPay PayPay operates a digital financial platform in Japan that combines payments, credit, banking, securities and planned life insurance offerings. What are the underlying business or industry changes driving this perspective?Alliance With Seven & I And Financial Expansion Will Reshape Long Term Earnings Power
Catalysts About PayPay PayPay operates a large digital payments and financial services platform in Japan that combines payments, banking, securities and credit products. What are the underlying business or industry changes driving this perspective?
Digital Wallet Expansion And Data Monetization Will Drive Long Term Earnings Quality
Catalysts About PayPay PayPay operates a large-scale digital payments and financial services platform in Japan that connects users with payments, cards, banking, securities and insurance. What are the underlying business or industry changes driving this perspective?Shareholder Returns
| PAYP | US Diversified Financial | US Market | |
|---|---|---|---|
| 7D | 8.3% | -0.9% | -0.9% |
| 1Y | n/a | -0.7% | 14.2% |
Return vs Industry: Insufficient data to determine how PAYP performed against the US Diversified Financial industry.
Return vs Market: Insufficient data to determine how PAYP performed against the US Market.
Price Volatility
| PAYP volatility | |
|---|---|
| PAYP Average Weekly Movement | 8.7% |
| Diversified Financial Industry Average Movement | 5.8% |
| Market Average Movement | 6.9% |
| 10% most volatile stocks in US Market | 15.3% |
| 10% least volatile stocks in US Market | 2.9% |
Stable Share Price: PAYP has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: PAYP's weekly volatility (9%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2018 | 1,994 | Ichiro Nakayama | paypay.ne.jp |
PayPay Corporation, a digital finance platform, provides payment and financial services in Japan. It operates through two segments, Payment and Financial Service. The Payment segment provides payment settlement and related services through its PayPay app; and credit payment services, such as revolving and installment payment options and cash advances.
PayPay Corporation Fundamentals Summary
| PAYP fundamental statistics | |
|---|---|
| Market cap | US$12.50b |
| Earnings (TTM) | US$799.99m |
| Revenue (TTM) | US$2.61b |
Is PAYP overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| PAYP income statement (TTM) | |
|---|---|
| Revenue | JP¥401.59b |
| Cost of Revenue | JP¥127.30b |
| Gross Profit | JP¥216.53b |
| Other Expenses | JP¥93.58b |
| Earnings | JP¥122.95b |
Last Reported Earnings
Jun 30, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 181.52 |
| Gross Margin | 53.92% |
| Net Profit Margin | 30.62% |
| Debt/Equity Ratio | 168.4% |
How did PAYP perform over the long term?
See historical performance and comparisonCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/09/13 02:04 |
| End of Day Share Price | 2026/09/11 00:00 |
| Earnings | 2026/06/30 |
| Annual Earnings | 2026/03/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
PayPay Corporation is covered by 15 analysts. 12 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Yoshitaka Nagao | BofA Global Research |
| Ryan Campbell | Cantor Fitzgerald & Co. |
| Ramsey El-Assal | Cantor Fitzgerald & Co. |