PayPay Corporation (PAYP)
Technology · NMS
Price as at 13 Aug 2026, 17:27 UTC. Quotes are delayed.
Fundamentals
Valuation and ratings
PayPay Corporation trades at USD14.61, which is 134% below the USD34.12 our fair value estimate puts on the business. On that measure alone it screens as undervalued, though a valuation model is an argument rather than a measurement, and the market is frequently right about why something is cheap.
Our moat model scores it 85 out of 100, which is a wide moat. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 14.2 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
PAYP earnings and analyst estimates
Recommendation mix, 13 published ratings
Estimates are the published analyst consensus and move often. An earnings date is scheduled, not certain, and a share tends to reprice most violently on the day itself.
About PayPay Corporation
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.
Company profile, industry and headcount are as reported by our data provider and can lag a company's own filings by a reporting period. The annual report is the authority.
PAYP passes 6 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
Super investor ownership
5 of the funds we track reported a position in their latest SEC 13F filing. Largest first:
- ValueAct Capital, ValueAct Holdings, L.P.$30.88M · 0.6% of book
- Marshall Wace, MARSHALL WACE, LLP$19.51M · 0.0% of book
- Israel Englander, MILLENNIUM MANAGEMENT LLC$11.77M · 0.0% of book
- Cathie Wood, ARK Investment Management LLC$3.51M · 0.0% of book
- Renaissance Technologies, RENAISSANCE TECHNOLOGIES LLC$611.9K · 0.0% of book
A word of warning on reading these figures: a 13F reports the market value of a holding, so a fund that traded nothing at all still appears to have sold when the price fell. We found 102 companies where the standard reading gives the opposite answer. Only the share count is honest.
Common questions
Is PayPay Corporation (PAYP) undervalued?
Against our fair value estimate of USD34.12, PAYP at USD14.61 is 134% below fair value. That is one model's answer, not a recommendation. It is built from normalized earning power with growth capped deliberately low, which understates companies whose value is mostly future growth.
Which funds own PAYP?
5 of the institutions we track reported a position in PAYP in their most recent SEC 13F filing. A 13F is filed up to 45 days after quarter end, so it tells you what a fund held then, not what it holds now.
What is PAYP's P/E ratio?
PAYP trades at 14.2 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
Where does SteadyShares get its PAYP data?
Fundamentals for PAYP come from company filings and exchange data, as listed on NMS; institutional ownership comes from SEC 13F filings. The share price shown was last refreshed on 13 Aug 2026, 17:27 UTC and is delayed. Our data quality score for this company is 92/100, which is the share of the inputs behind our scores that were actually available rather than assumed. Metrics we do not hold are left out of the page rather than estimated.
The full research page for PAYP, with financial statements, ownership detail, peer comparison and alerts, is free inside the app.
Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.