PayPay Corporation - American Depository (PAYP) Stock Analysis & Forecast

Sep 28 close

$16.00−0.51 (−3.1%)

Gekko Brief

PayPay Corporation - American Depository closed at $16.00 on 28 September 2026, -3.1% on the day. The GekkoIndex reads 60.9, in the Accumulation zone, up 7.8 points over five sessions. Gekko Fair Value is $20.42, so the price is 21.6% below it.

Over the last 2 reports the company beat the earnings estimate 1 times, with an average move of 5.3% across the report.

6 firms rate the stock: 5 buy, 1 hold and 0 sell, with a consensus target of $24.15. A typical daily move is about 4.6%, and a typical 20-day move about 8.9%. On the swing-trade checklist, 2 items read supportive and 0 read as a headwind.

Generated Sep 29, 2026 from the data above.

PayPay Corporation - American Depository price vs fair value

$20.42$16.00Mar ’26Jun ’26Sep ’26
Close $16.00Gekko Fair Value $20.42

PayPay Corporation - American Depository quick facts

Market cap
$10.83B
P/E ratio
14.3
Forward P/E
19.2
EPS, TTM
$1.16
Revenue, TTM
$401.6B
Profit margin
30.6%
Dividend yield
—
Beta
—
Volume
982,029 avg 798,404
1-year return
—
Typical daily move
±4.6%
Typical 20-day move
±8.9%
50-day average
$16.03
200-day average
—
Next earnings
—
Shares outstanding
677.1M
52-week range
$12.07$24.89

PayPay Corporation - American Depository swing-trade checklist

PayPay Corporation - American Depository scores 2 supportive, 0 mixed and 0 headwinds across the 2 checklist items with data.

Six things swing traders check before a 20-day hold, read from the latest data.

2 supportive0 mixed0 headwinds

  • Trendno data

    No data

    Not enough price history for both moving averages.

    See the chart
  • GekkoIndexsupportive

    60.9, Accumulation

    Reading 60.9 is in the Accumulation zone.

    See the GekkoIndex
  • Fair valuesupportive

    21.6% below

    Price is 21.6% below Gekko Fair Value (more than 5% below).

    See fair value
  • Smart moneyno data

    No data

    No insider, Congress or unusual options activity in the window.

    See smart money
  • Earnings riskno data

    No data

    No confirmed report date on the calendar.

    See earnings
  • Seasonalityno data

    No data

    Not enough years of history for a seasonal read.

A description of current data, not a recommendation. How this page works

PayPay Corporation - American Depository stock chart and price history

PayPay Corporation - American Depository closed at $16.00 on Sep 28, 2026, inside a 52-week range of $12.07 to $24.89.

Close50-day average200-day averageVolume
PayPay Corporation - American Depository share price, past year, with 50-day and 200-day moving averages and volume$15$20$25AprMayJunJulAugSep16.00

Use the left and right arrow keys to read daily values.

Performance Breakdown

1 month
+5.3%
3 months
+9.9%
6 months
−30.6%
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Follow PayPay Corporation - American Depository through every session

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About PayPay Corporation - American Depository

PayPay Corporation operates a digital finance platform used across Japan, built around payment tools and a broader set of financial products. It is best known for the PayPay mobile app, which handles everyday transactions, balance and credit payments, bill and tax settlement, and merchant payment acceptance, making it a widely used tool for both individual consumers and businesses.

The company organizes its work into two segments. The Payment segment covers transaction settlement, along with credit features such as revolving credit, installment plans and short-term cash advances. The Financial Services segment adds online banking, brokerage, point-linked investing, foreign exchange, and loan management, supported by an internal credit engine. It also offers insurance and merchant marketing services, all under the PayPay brand, serving both retail users and business customers throughout Japan.

PayPay Corporation was founded in 2018 and is headquartered in Shinjuku, Japan. Its American Depositary Shares trade under the ticker PAYP.

Sector
Commercial services
Website
paypay.ne.jp

PayPay Corporation - American Depository GekkoIndex: the smart money zone

PayPay Corporation - American Depository’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 60.9, in the Accumulation zone, up 7.8 points over five sessions.

010060.9Accumulation

Up 7.8 points over five sessions, from the Neutral zone.

Reading for Sep 28, 2026

What followed past readings in each zone

ZoneReadings5 days10 days20 days50 days
Buying13−2.5%+0.6%+7.8%+6.6%
Accumulation (current zone)31−1.6%−4.4%−9.1%−7.5%
Neutral68+0.5%+0.9%−1.1%−18.0%
Distribution5Too few readings yet
Selling0Not available

Average PAYP share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.3% over 20 days. Past behaviour doesn’t guarantee future results.

Accumulation zone: Institutional interest building. About the five zones →

See every daily GekkoIndex reading plotted over the PAYP price, zone by zone.Track PAYP in Gekko

Is PayPay Corporation - American Depository stock overvalued? Gekko Fair Value

PayPay Corporation - American Depository trades 21.6% below Gekko Fair Value of $20.42, so the shares are undervalued on Gekko’s estimate.

Gekko’s own estimate of what PayPay Corporation - American Depository shares are worth, recalculated every trading day.

$20.42

Gekko Fair Value, Sep 26, 2026

21.6% Undervalued

How Gekko Fair Value works →

Gekko Fair Value on every chart, with the gap to price updating daily.Open PAYP in Gekko

PayPay Corporation - American Depository insider and Congress trading

No open-market insider purchases were filed for PayPay Corporation - American Depository, and no Congress trades were disclosed, in the last 90 days.

Plus buybacks, unusual options and fund positions, each dated to when it became public.

Insider buying last 90 days

No open-market insider purchases were filed for PAYP in the last 90 days.

From Form 4 filings, dated to when each was filed.

Every PAYP insider filing, plotted on the chart in Gekko.Open PAYP in Gekko

Congress trades last 90 days

No trades in PAYP were disclosed by members of Congress in the last 90 days.

From congressional disclosures, which report amounts as ranges.

Congress disclosures for PAYP, plotted on the chart in Gekko.Open PAYP in Gekko

Hedge funds and billionaires quarter ended Jun 30

0of the funds Gekko tracks hold PAYP.

0added0opened0trimmed1sold out
Which funds are on each side, name by name.Unlock in Gekko

PayPay Corporation - American Depository earnings: next date and track record

PayPay Corporation - American Depository beat the EPS estimate in 1 of its last 2 reports, moving 5.3% on average across the report.

1 of 2reports beat the EPS estimate
±5.3%average move across the report
1 of 2reports followed by a gain

Share-price move across each report

−9.5%May ’26+1.1%Jul ’26

Last earnings call, Jul 31, 2026 AI summary

What they said
PayPay reported a strong Q1 FY2026 with consolidated revenue up 27% YoY, RLTC up 26% YoY, adjusted EBITDA up 59% YoY and margin expansion to 34%. Management highlighted growth in both the Payment and Financial Service segments, accelerating PayPay Card usage, online GMV growth (44% YoY), and PayPay Bank accounts surpassing 10 million. They announced strategic investments/alliances with Seven & i Holdings and the planned acquisition of T&D Financial Life (expected to close in ~1.5 years), adding life insurance to the platform. Management said they revised the rewards program in June (restricting reward points to eKYC-verified users) which improved profitability and that they are raising full-year financial guidance based on operating leverage and cost improvements. They discussed leveraging data across payments, banking, securities, and insurance, and emphasized preparing integration committees and governance for partnerships. Management noted some one-time/market-related revenue contributions (~1-2%) from buoyant equity markets and SpaceX IPO trading, and a modest margin hit (~1% decline in RLTC) due to higher funding costs on bank deposits following policy rate increases.
Guidance
Management announced an upward revision to full-year fiscal 2026 financial guidance (specific deltas referenced: ~JPY 11 billion increase in top line and ~JPY 14.5 billion increase in EBITDA versus the beginning-of-year plan). They also set an internal ARPU ambition to double from ~JPY 900 (current) over the medium term. They expect the T&D Financial Life acquisition to close in ~1.5 years (around Oct 1 next year).
Risks flagged
Higher funding costs for bank deposits after policy rate increases (pressured RLTC/margins); reliance on regulatory approval from the FSA for the T&D Financial Life acquisition; data governance and user consent requirements may constrain speed/timing of data integration and monetization with Seven & i; some revenue uplift in Q1 was from buoyant equity markets/one-time events (SpaceX IPO trading), exposing results to market volatility; execution risk around large strategic investments and integrations.
ReportedEPSSurpriseRevenueSurpriseMove
Jul 31, 2026$0.17
est $0.15
+13.3%$689.5M
est $688.5M
+0.1%+1.1%
May 6, 2026$20.98
est $23.33
−10.1%—
est $694.0M
—−9.5%

“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.

PayPay Corporation - American Depository stock forecast and analyst price targets

Analysts’ average 12-month price target for PayPay Corporation - American Depository is $24.15, +50.9% from the last close, from 6 firms rating the stock in the last 90 days.

$24.15consensus 12-month target, +50.9% from the last close
Low $18High $25
Buy5
Hold1
Sell0

Each firm’s latest rating in the last 90 days: 6 firms.

Latest analyst actions

DateFirmRatingTargetvs price
Aug 25Wolfe ResearchBuy, maintained$21+31.3%
Aug 13Morgan StanleyBuy, maintained$23+43.8%
Aug 6J.P. MorganBuy, maintained$23+43.8%
Aug 4Mizuho SecuritiesBuy, maintained$23+43.8%
Aug 3Cantor FitzgeraldBuy, maintained$25+56.3%
−9.1%average 20-day move after past Accumulation readings
±4.6%typical daily move, from the 14-day average range

Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.

PayPay Corporation - American Depository market cap and key statistics

PayPay Corporation - American Depository’s market cap is $10.83B, with a P/E ratio of 14.3 and revenue of $401.6B over the last twelve months.

Valuation

Market cap
$10.83B
P/E ratio
14.3
Forward P/E
19.2
EPS, TTM
$1.16
Gekko Fair Value
$20.42

Trading

Volume
982,029
Avg volume, 20 days
798,404
52-week high
$24.89
52-week low
$12.07
Shares outstanding
677.1M

Financials

Revenue, TTM
$401.6B
Profit margin
30.6%
Return on equity
37.3%
Quarterly earnings growth, YoY
+62.2%

Risk and income

Typical daily move
±4.6%
Typical 20-day move
±8.9%

PayPay Corporation - American Depository stock news this week

2 headlines about PayPay Corporation - American Depository from the past week, newest first, each linking to the publisher.

More stocks

In the Buying zone today

Reporting earnings this week

Popular on Gekko

PayPay Corporation - American Depository stock FAQ

What is PayPay Corporation - American Depository’s market cap?

PayPay Corporation - American Depository’s market cap is $10.83B at the Sep 28, 2026 close of $16.00, with 677.1M shares outstanding. The shares trade on a P/E ratio of 14.3.

What is the PayPay Corporation - American Depository stock forecast?

The consensus analyst 12-month price target for PayPay Corporation - American Depository is $24.15, +50.9% from the last close. Of the 6 firms that rated the stock in the last 90 days, 5 rate it a buy, 1 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.

Is PayPay Corporation - American Depository stock overvalued or undervalued?

On Gekko’s estimate PayPay Corporation - American Depository is undervalued: the Sep 28, 2026 close of $16.00 is 21.6% below Gekko Fair Value of $20.42. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.

What is PayPay Corporation - American Depository’s 52-week high and low?

PayPay Corporation - American Depository’s 52-week high is $24.89 and its 52-week low is $12.07; it closed at $16.00 on Sep 28, 2026.

Is PayPay Corporation - American Depository stock a buy right now?

Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 2 of the 2 items with data read as supportive (gekkoindex and fair value). The checklist is a description of current data, not a recommendation.

How this page works

During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →

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