Morningstar

PayPay Corp ADR - Sponsor PAYP

Morningstar Rating
Unlock
Stock XNAS Rating as of
$14.92 −0.22 (1.45%)
View Full Chart
As of Delayed Price Closed

Company Report

View Archive

Deepening Cross-Use Promotes PayPay's Long-Term Profitability

Pujance Chan

PayPay’s strategy is to build a payments-led, data-driven financial ecosystem that scales through network effects and monetizes through financial services. Mobile payments act as a high-frequency entry point to drive user engagement and merchant adoption. With approximately 73 million users and strong gross merchandise value growth, PayPay benefits from cross-side reinforcement, where more users attract merchants and vice versa, while vertical integration improves unit economics and take rates.

Read Analysis

Price vs Fair Value

View History
PAYP is trading at a LOCK|XxQvNw premium.
Price
$14.93
Fair Value
ty
Uncertainty
LOCK|<$
1-Star Price
LOCK|.q@
5-Star Price
LOCK|.ND
Economic Moat
LOCK|?$x$?
Capital Allocation
LOCK|QRVNWv

Bulls Say, Bears Say

Bulls

PayPay increases its take rate earlier than expected while maintaining strong growth momentum across both its code payment and credit businesses.

Bears

Growth in code payment and credit businesses slows and take rate expansion stagnates amid intensifying competition.

Show More

News

View All

Trading Information

Previous Close Price
$15.14
Day Range
$14.78–15.27
52-Week Range
$12.07–24.89
Bid/Ask
$14.81 / $15.19
Shares Outstanding
677.14M
Market Cap
$10.10B
Volume/Avg
701,322 / 819,278

Key Statistics

Price/Earnings (Normalized)
11.08
Price/Sales
2.86
Dividend Yield (Trailing)
0.00%
Dividend Yield (Forward)
0.00%
Dividend Payment Schedule
—
Total Yield
—

Company Profile

PayPay is a financial technology company jointly owned by Softbank and LY. It was founded in 2018, following the success of Alipay and WeChat Pay in China, and was the pioneering code payment app in Japan. Over the past seven years, it has amassed more than 70 million users and is the market leader in code payments.
Sector
Technology
Industry
Software - Infrastructure
Stock Style Box
—
Total Number of Employees
4,567
Website
https://www.paypay.ne.jp

Competitors

Valuation

View More
Metric
PAYP
4755
MA
Price/Earnings (Normalized)
 11.08—29.29
Price/Book Value
 4.021.6286.06
Price/Sales
 2.860.5614.02
Price/Cash Flow
 10.813.1823.58
Price/Earnings
PAYP
4755
MA

Financial Strength

Metric
PAYP
4755
MA
Quick Ratio
 2.8432.110.67
Current Ratio
 2.8932.111.06
Interest Coverage
 8.870.7827.97
Quick Ratio
PAYP
4755
MA

Profitability

Metric
PAYP
4755
MA
Return on Assets (Normalized)
 2.76%0.01%31.22%
Return on Equity (Normalized)
 43.43%0.46%234.41%
Return on Invested Capital (Normalized)
 14.98%0.22%63.76%
Return on Assets
PAYP
4755
MA

Software - Infrastructure Industry Comparables

Screen With Investor
1-Day Chart
Name
Price
Morningstar Rating for Stocks
Capital Allocation
Economic Moat
Market Cap
Microsoft Corp
MSFT
LOCK|<>tP<R<LOCK|#n$4T
 Palantir Technologies Inc Ordinary Shares - Class A
PLTR
LOCK|FLW$!nLOCK|sWh$$454B
 Oracle Corp
ORCL
LOCK|v!<$>#yLOCK|$&#X$431B
 Palo Alto Networks Inc
PANW
LOCK|!nmpC>?@LOCK|hPk$330B
 CrowdStrike Holdings Inc Class A
CRWD
LOCK|^!p$N!SLOCK|bh?$277B
 Fortinet Inc
FTNT
LOCK|KxV&!VLOCK|!t$133B
 Cloudflare Inc
NET
LOCK|rbxkc<W&LOCK|t@$124B
 Synopsys Inc
SNPS
LOCK|c>>Jy^$JLOCK|#<J$94B
 CoreWeave Inc Ordinary Shares - Class A
CRWV
LOCK|HHMFp?LOCK|?z$49B
 Block Inc Class A
XYZ
LOCK|^&>M^GLOCK|?Lww%$45B

Sponsor Center