Company Overview
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. The Financial service segment offers internet banking, securities intermediary, PayPay Point investment-related, and loan management services. It also provides PayPay settlement, PayPay balance, PayPay credit, payments using linked services, utility bill and tax payments, payments using PayPay bank app, overseas payment mode, credit payment settlement, revolving and installment payment option, cash advance, and acquiring services; and in financial services comprising internet banking, deposit accounts and remittance, lending, foreign exchange transaction, digital securities, app-based investment, PayPay securities app, automated investing, CFD trading, PayPay point management, and loan management services through credit engine. In addition, the company offers other value-added services for users and enterprises, such as insurance and marketing services that merchants have the option to subscribe. It serves users and merchants through PayPay brand names. The company was incorporated in 2018 and is headquartered in Shinjuku, Japan.
Why Investors Should Care
Generates a return on equity of 37.3%, reflecting efficient use of shareholder capital.
Revenue has grown at a 23.1% CAGR over the past five years.
Trades at a P/E of 15.0, below the sector median of 29.2.
Maintains a net profit margin of 30.6%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Mar 2026 Revenue of $367.53B (+25.9% YoY); net profit $115.03B.
- Trailing 12 Months Year-on-year growth — revenue +27.0%, earnings +62.2%.
- 5-Year Trend Long-term compounding — revenue CAGR 23.1%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 23.06% |
| 1 Year: | 27.00% |
Compounded Profit Growth
| 5 Years: | - |
| 1 Year: | 62.20% |
Stock Price Performance
| 1 Year: | -3.30% |
| 6 Months: | - |
| 3 Months: | +15.75% |
| 1 Month: | +14.40% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- RSI (14)65.75 · Neutral
P/E of 15.01 is below the sector median of 29.22 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Strong return on equity of 37.3%.
- Excellent profit margin of 30.6%.
- Compounding revenue at 23.1% over 5 years.
- Generates positive free cash flow.
CONS
- Trading 28.5% below its 52-week high.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Technology).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | PAYP PayPay Corporation TECH | 17.56 | 15.01 | $11.89B | 0.00% | 11.06% | 37.27% | 23.06% | - |
| 2 | NVDA NVIDIA Corporation NDXSPXR3KAITECH | 225.73 | 28.50 | $5.45T | 0.46% | 74.66% | 117.21% | 24.64% | 32.12% |
| 3 | AAPL Apple Inc. NDXSPXR3KTECH | 316.22 | 36.22 | $4.61T | 0.34% | 68.72% | 148.75% | 1.81% | 3.92% |
| 4 | MSFT Microsoft Corporation NDXSPXR3KAITECH | 493.95 | 27.49 | $3.67T | 0.79% | 26.33% | 34.04% | 9.93% | 11.90% |
| 5 | TSM Taiwan Semiconductor Manufacturing Company Limited AITECH | 439.00 | 32.71 | $2.28T | 0.95% | 30.20% | 39.97% | 18.94% | 19.57% |
| 6 | AVGO Broadcom Inc. NDXSPXR3KAITECH | 368.56 | 46.95 | $1.75T | 0.71% | 16.70% | 44.25% | 17.04% | 54.08% |
| 7 | MU Micron Technology, Inc. NDXSPXR3KAITECH | 1,000.26 | 22.59 | $1.13T | 0.05% | 13.69% | 66.64% | 13.68% | 26.02% |
| 8 | AMD Advanced Micro Devices, Inc. NDXSPXR3KAITECH | 505.74 | 128.36 | $825.61B | 0.00% | 5.47% | 10.20% | 11.81% | 66.28% |
| 9 | ASML ASML Holding N.V. NDXAITECH | 1,764.85 | 59.89 | $677.88B | 0.51% | 42.97% | 53.94% | 15.55% | 19.55% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|
| Revenue | 82.25B | 89.97B | 96.66B | 98.65B | 105.11B |
| Cost of Revenue | 10.78B | 10.95B | 11.08B | 14.83B | 11.77B |
| Gross Profit | 71.47B | 79.02B | 85.58B | 83.82B | 93.34B |
| Operating Expenses | 56.86B | 58.13B | 60.48B | 39.10B | 63.74B |
| Operating Income | 14.61B | 20.89B | 25.10B | 44.72B | 29.60B |
| EBITDA | 24.18B | 28.96B | 34.01B | 28.87B | 39.99B |
| Interest Expense | 2.20B | 2.37B | 2.68B | 3.34B | 3.54B |
| Pretax Income | 15.86B | 20.43B | 24.82B | 18.84B | 29.80B |
| Tax Provision | 5.05B | -52.79B | 5.51B | 4.36B | 10.06B |
| Net Income | 10.51B | 72.59B | 18.42B | 13.51B | 18.43B |
| Diluted EPS | 15.72 | 108.56 | 27.56 | 20.75 | 27.21 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| Revenue | 197.21B | 248.01B | 292.04B | 367.53B |
| Cost of Revenue | 30.48B | 37.76B | 41.48B | 47.64B |
| Gross Profit | 166.74B | 210.25B | 250.55B | 319.89B |
| Operating Expenses | 172.72B | 194.68B | 190.54B | 214.57B |
| Operating Income | -5.98B | 15.57B | 60.01B | 105.32B |
| EBITDA | -4.38B | 20.53B | 60.61B | 116.02B |
| Interest Expense | 1.51B | 1.93B | 4.25B | 10.59B |
| Pretax Income | -20.55B | 11.00M | 34.96B | 79.94B |
| Tax Provision | 4.40B | 841.00M | -4.20B | -37.87B |
| Net Income | -25.86B | -3.35B | 36.17B | 115.03B |
| Diluted EPS | -38.67 | -5.01 | 54.10 | 178.55 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| Total Assets | 3.29T | 3.81T | 4.04T | 5.18T |
| Current Assets | 2.65T | 2.14T | 1.86T | 2.05T |
| Cash & Equivalents | 859.31B | 742.69B | 369.08B | 362.39B |
| Inventory | - | - | - | - |
| Receivables | 188.11B | 91.17B | 93.23B | 90.56B |
| Total Liabilities | 3.10T | 3.62T | 3.82T | 4.75T |
| Current Liabilities | 675.80B | 3.36T | 3.47T | 4.22T |
| Long Term Debt | 494.54B | 227.95B | 315.58B | 491.96B |
| Total Debt | 503.24B | 610.95B | 411.68B | 574.50B |
| Total Equity | 72.06B | 65.16B | 99.89B | 394.18B |
| Shares Outstanding | 668.63M | 668.63M | 668.63M | 676.96M |
Cash Flows (Annual)
Figures in USD.
| Metric | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| Operating Cash Flow | -194.70B | 49.98B | 155.85B | 375.30B |
| Investing Cash Flow | 190.01B | -273.38B | -319.98B | -628.83B |
| Financing Cash Flow | 31.99B | 107.93B | -210.32B | 246.75B |
| Capital Expenditure | -29.38B | -22.50B | -22.09B | -24.19B |
| Free Cash Flow | -224.08B | 27.48B | 133.76B | 351.11B |
| Net Change in Cash | 27.30B | -115.48B | -374.45B | -6.78B |
Ratios (Annual)
Figures in %.
| Metric | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| Gross Margin % | 84.5% | 84.8% | 85.8% | 87.0% |
| Operating Margin % | -3.0% | 6.3% | 20.5% | 28.7% |
| Net Margin % | -13.1% | -1.4% | 12.4% | 31.3% |
| ROE % | -35.9% | -5.1% | 36.2% | 29.2% |
| ROCE % | -0.2% | 3.5% | 10.6% | 11.1% |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 0.56% | 3.77M | $66.84M |
| 2 | NORGES BANK | 0.49% | 3.30M | $58.44M |
| 3 | Alphabet Inc. | 0.46% | 3.12M | $55.34M |
| 4 | Evergreen Quality Fund GP, Ltd. | 0.32% | 2.16M | $38.17M |
| 5 | ValueAct Holdings, L.P. | 0.32% | 2.15M | $38.16M |
| 6 | Holocene Advisors, LP | 0.28% | 1.89M | $33.56M |
| 7 | WCM Investment Management, LLC | 0.23% | 1.53M | $27.07M |
| 8 | Schroder Investment Management Group | 0.22% | 1.52M | $26.94M |
| 9 | Marshall Wace LLP | 0.20% | 1.36M | $24.12M |
| 10 | Joho Capital, LLC | 0.14% | 961.61K | $17.03M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
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PAYP — Frequently Asked Questions
What is the current share price of PayPay Corporation (PAYP)?
As of 2026-09-19 21:16 PDT, PayPay Corporation (PAYP) trades at $17.56 on NasdaqGS. Its 52-week range is $12.37 to $24.56.
What is the market capitalisation of PAYP?
PayPay Corporation (PAYP) has a market capitalisation of $11.89B on NasdaqGS.
What is the P/E ratio of PAYP?
PAYP trades at a trailing price-to-earnings (P/E) ratio of 15.01. The industry average P/E is 29.22. Its price-to-book (P/B) ratio is 4.61.
What is the return on equity (ROE) of PAYP?
PAYP has a return on equity (ROE) of 37.27%. Its return on capital employed (ROCE) is 11.06%.
Is PAYP a good stock to buy?
This page provides a data-driven analysis of PayPay Corporation (PAYP), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.