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PayPay Corporation (PAYP)
Shinjuku, JP
PayPay Corporation is a leading Japanese financial technology firm that delivers a comprehensive digital finance platform. This platform offers a wide array of user-friendly payment solutions and various other financial services across Japan. The company's operations are strategically divided into two main segments: Payment and Financial Services. The Payment division is primarily responsible for facilitating transaction settlements and related functionalities, predominantly via its popular PayPay mobile application. Additionally, this segment provides credit options, including revolving credit, installment payment schemes, and instant cash advances. Conversely, the Financial Services division encompasses a diverse portfolio of offerings such as online banking, securities brokerage, investment services tied to PayPay Points, and comprehensive loan management. Its extensive suite of services covers numerous payment methods—from direct and balance-based payments to credit and linked account payments, utility bill and tax payments, and merchant acquiring services. On the financial side, it includes digital banking, deposit accounts and remittance, various lending products, securities trading (including digital securities, app-based investment, automated investing, and CFD trading), foreign exchange transactions, and sophisticated asset and loan management capabilities, often integrated with its proprietary credit engine. Beyond its core financial offerings, PayPay also provides additional value-added services for both individual users and business clients, such as insurance products and marketing solutions for merchants. All these services are offered under the widely recognized PayPay brand. Founded in 2018, PayPay Corporation is headquartered in Shinjuku, Japan.
Based on only 1 article — low confidence
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +5.88% | -5.44% | +1.19% | +12.00% | +12.00% | +12.00% | +12.00% | +12.00% | +12.00% | +12.00% | +12.00% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 2 | 0 |
| Buy | 8 | 0 |
| Hold | 3 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Software - Infrastructure: +13.7%+38.2% ★ Q1'26: +35.4% (vs Q1'25)
-
EPS growth Software - Infrastructure: +28.7%—
-
FCF margin FCF growth · Software - Infrastructure: +32.2%+83.8% ★ Q1'26: -95.0% (vs Q1'25)
-
EBIT margin Software - Infrastructure: +8.8%+21.0% ★ Q1'26: +18.4% (vs Q1'25)
-
ROIC Software - Infrastructure: +6.6%+13.1% ★ Q1'26: +9.1% (vs Q1'25)
-
Share dilution Software - Infrastructure: +0.0%+2.4% Q1'26: +3.4% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Software - Infrastructure: -1.06×5.16× Q1'26: 5.55× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Mar 2026 12 Rev. Ana. 8 EPS Ana. |
Mar 2027 11 Rev. Ana. 10 EPS Ana. |
Mar 2028 11 Rev. Ana. 9 EPS Ana. |
Mar 2029 6 Rev. Ana. 6 EPS Ana. |
|---|---|---|---|---|
| Revenue |
2.52B
2.46B – 2.54B
|
3.04B
2.94B – 3.12B
+20.6% YoY
|
3.52B
3.37B – 3.71B
+16.0% YoY
|
3.91B
3.76B – 4.07B
+11.0% YoY
|
| EBITDA |
1.46B
1.43B – 1.48B
|
1.76B
1.71B – 1.81B
+20.6% YoY
|
2.05B
1.96B – 2.16B
+16.0% YoY
|
2.27B
2.18B – 2.37B
+11.0% YoY
|
| EBIT |
1.31B
1.28B – 1.32B
|
1.58B
1.53B – 1.62B
+20.6% YoY
|
1.83B
1.75B – 1.93B
+16.0% YoY
|
2.04B
1.96B – 2.12B
+11.0% YoY
|
| Net Income |
643.74M
550.07M – 737.41M
|
546.67M
429.90M – 663.44M
-15.1% YoY
|
674.54M
490.53M – 858.55M
+23.4% YoY
|
840.05M
662.37M – 1.02B
+24.5% YoY
|
| SGA |
461.31M
449.65M – 465.41M
|
556.24M
538.24M – 570.73M
+20.6% YoY
|
645.27M
616.59M – 679.99M
+16.0% YoY
|
716.57M
688.70M – 746.01M
+11.0% YoY
|
| EPS |
0.97
0.87 – 1.17
|
0.78
0.68 – 1.05
-19.8% YoY
|
1.03
0.78 – 1.36
+32.3% YoY
|
1.29
1.05 – 1.62
+25.6% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-11 | B- | 3/5 | 1/5 | 5/5 | 3/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-08 | B- | 3/5 | 1/5 | 5/5 | 3/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-07 | B- | 3/5 | 1/5 | 5/5 | 3/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-06 | B- | 3/5 | 1/5 | 5/5 | 3/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-05 | B- | 3/5 | 1/5 | 5/5 | 3/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-04 | B- | 3/5 | 1/5 | 5/5 | 3/5 | 1/5 | 3/5 | 2/5 |
| 2026-05-01 | B- | 3/5 | 1/5 | 5/5 | 3/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-30 | B- | 3/5 | 1/5 | 5/5 | 3/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-29 | B- | 3/5 | 1/5 | 5/5 | 3/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-28 | B- | 3/5 | 1/5 | 5/5 | 3/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-27 | B- | 3/5 | 1/5 | 5/5 | 3/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-24 | B- | 3/5 | 1/5 | 5/5 | 3/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-23 | B- | 3/5 | 1/5 | 5/5 | 3/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-22 | B- | 3/5 | 1/5 | 5/5 | 3/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-21 | B- | 3/5 | 1/5 | 5/5 | 3/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-20 | B- | 3/5 | 1/5 | 5/5 | 3/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-17 | B- | 3/5 | 1/5 | 5/5 | 3/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-16 | B- | 3/5 | 1/5 | 5/5 | 3/5 | 1/5 | 3/5 | 2/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | ARK Blockchain & Fintech Innovation ETF ARKF | 0.50% | 3.64M | 0.75% |
| 2 | iShares Technology Opportunities Active ETF TEK | 0.20% | 81.2K | 0.77% |
| 3 | Amundi Prime Japan UCITS ETF DR (C) PRAJ.DE | 0.00% | 160.7K | 0.05% |
| 4 | Amundi Prime Japan UCITS ETF DR (D) PRJU.L | 0.00% | 160.9K | 0.05% |
| 5 | BMO Japan Index ETF ZJPN.TO | 0.00% | 14.0K | 0.39% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Hajime Baba | Executive VP, Co-COO & Corporate Officer | — | male |
| Hirofumi Fujii | Corporate Officer, CMO, Head of the Mrkt Strategy Div & Business Operations Group | — | male |
| Ichiro Nakayama | President, CEO, Corporate Officer & Representative Director | — | male |
| Masamichi Yasuda | Executive VP, Co-COO & Corporate Officer | — | male |
| Masanori Sode | Managing Corporate Officer, Chief Administrative Officer & Chief Human Resource Officer | — | male |
| Wataru Kagechika | Managing Corporate Officer & CFO | — | male |
| Yosuke Terada | CCO, CRO, DPO & Corporate Officer | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for PAYP
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
