PayPay stock
PAYPNASDAQPayPay Corporation, TechnologyISIN US70450C1018
56Score 56 out of 100, Neutral
Price and trend
78 / 100
Price history
−22% since 2026The chart shows daily closing prices since 12 Mar 2026, adjusted for stock splits and excluding dividends. Click into the chart to set a price alert at that price.
Normal: the price is neither overheated nor sold off (RSI 44).
The price is 42% below its 52-week high. Largest decline since 12 Mar 2026: 50% (March 2026 to June 2026).
Chart figures for advanced users
- SMA 50$15.86
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$14.18
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)44
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$12.37
- The lowest closing price of the last twelve months.
- Resistance$24.56
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- PayPay Corporation belongs to the Software (Infrastructure) industry (Japan) and, with a market value of $9.6B, is number 31 of 97 companies in its industry on MEQIRI.
- This is an American depositary receipt (ADR).
- In fiscal 2025 it reported revenue of $2.53B (up 38.2% year on year) and earnings of $763.77M (up 237.2%).
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- MEQIRI Score 56 out of 100 (Neutral): rank 513 of 854 in Technology, median 61.
- The P/E is 22.7 (Software (Infrastructure) median 25.6, own median of recent years 17.7).
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Earnings turn into cashFree cash flow 351% of earnings over the last 12 months.Fundamentals 52
- Growing faster than its industryRevenue up 27% a year since 2022, Software (Infrastructure) median 17.9%.Growth 70
- High marginNet margin 16.1% over the last 12 months, Software (Infrastructure) median 7.4%.Profitability 60
Weaknesses
- High debtDebt 1.88 times equity (latest quarter), Software (Infrastructure) median 0.44.Stability 57
- Volatile share priceVolatility 73% a year over the last 12 months.Stability 57
Its standout strengths are technical analysis and growth, while capital allocation and momentum hold the score back.
Daily figure as of 13 Nov 2026
How the score is calculatedScore overview
The fundamentals are in the middle range.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansValuation
Valuation signal
Fairly valuedA fair value is not meaningful here, so the signal follows the valuation grade.
Valuation metrics
The model puts the fair value at more than four times the share price. That says more about the assumptions than about the company, so a fair value is not meaningful here and the valuation relies on the P/E and the other metrics.
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 28.5% on the twelve months before. Revenue has grown strongly since 2022, at around 27% per year.
Margins
- Gross margin
- Operating margin
- Net margin
In fiscal 2025: gross 51%, operating 21%, net 30%. Last 12 months: net 16%.
Debt & balance sheet
latest quarterMeaningfully leveraged, but the interest bill is comfortably covered.
Earnings
- Next earnings
- 29 Jan 2027in 77 days
- Last reported
- 3 Nov 2026below expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- 0.82−1.0%
- Revenue
- $19.47M+1.3%
- Earnings per share
- 1.09−1.6%
- Revenue
- $23.03M+1.1%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook raised
Share price after the results: +1.1%Full-year guidance raised: revenue of JPY 465 billion to 473 billion (up 22% to 24%), adjusted EBITDA of JPY 149 billion to 155 billion.
“We expect total revenue to be between JPY 467 billion (sic) JPY 465 billion and JPY 473 billion, representing a 22% to 24% year-on-year growth and adjusted EBITDA to be between JPY 149 billion and JPY 155 billion. The adjusted EBITDA margin is expected to be around 32% at the midpoint.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 31 Jul 2026 (fiscal Q1 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases or sales in the last 6 months.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at PayPay
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
854 rated companies in Technology
- This company
- 56
- Sector median
- 61
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Software (Infrastructure)
The next larger and next smaller companies by market value
- One97 CommunicationsPAYTM.NS $13.1B53
- Akamai TechnologiesAKAM $12.48B48
- SailPointSAIL $11.75B49
- DigitalOcean HoldingsDOCN $10.63B48
- Oracle Financial Services SoftwareOFSS.NS $9.26B81
- NetskopeNTSK $9.11B41
- 360 Security Technology601360.SS $8.49B35
- Oracle Corporation Japan4716.T $7.92B74
ETFs that hold PayPay
Held by 5 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| Amundi Prime Japan UCITS ETF DR (D)PR1J | 0.02% | 0.05% | €4.34B |
| L&G Japan Equity UCITS ETFETLR | 0.01% | 0.10% | €948.97M |
| Amundi Prime All Country World UCITS ETF AccWEBN | 0.00% | 0.07% | €8.95B |
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| L&G Global Equity UCITS ETFETLQ | 0.00% | 0.10% | €1.91B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 13 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Mar 2026
- Currency
- Amounts in US dollars, converted at the ECB reference rate of 12 Nov 2026 ($1 = ¥159.70)
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 15 Oct 2026)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.