PayPay Corporation (PAYP) Stock Price & Analysis
PayPay Corporation (PAYP) closed at USD 14.53 on Thursday, October 29, 2026, up 2.11% on the day. The US market is currently closed (after-hours); this is not a live price.
The prior close was USD 14.23; the Oct 29, 2026 session ranged USD 14.17–14.78 on volume of 478,124 shares. Market capitalization is $9.84B, with a 52-week range of USD 12.07–24.89 (NMS). Source: Nexqual, retrieved October 29, 2026 at 21:20 UTC.
Also available as compact Markdown for AI agents: nexqual.com/PAYP.md
Key facts (PAYP)
- 1 of 80 tracked superinvestors hold PAYP (13F, Q2 2026): 1 new, 0 added, 0 reduced, 0 unchanged.
- Analysts: Buy (mean 1.92 on a 1–5 scale) (13 analysts), mean target USD 24.12 (range 17.03–31.84).
- Total return with dividends: 1Y -20.0% vs S&P 500 +14.4%; 5Y -31.3% vs S&P 500 +79.1%.
- Next earnings: 2026-10-30, EPS estimate USD 31.02, revenue estimate $115B.
Superinvestors (SEC 13F-HR, Q2 2026) (PAYP)
1 of 80 tracked investors hold PAYP. Each row is the investor's latest 13F; change is vs their prior-quarter share count.
| Investor | Firm | % of portfolio | Value | Change |
|---|---|---|---|---|
| ValueAct Capital | 0.55% | $30.9M | New position |
Analysts (PAYP)
Consensus Buy (mean 1.92 on a 1–5 scale), 13 analysts; mean target USD 24.12 (low 17.03, high 31.84).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-08-25 | Wolfe Research | Target raised | Outperform | $18 → $21 |
| 2026-08-04 | Mizuho | Target lowered | Outperform | $26 → $23 |
| 2026-08-03 | Citigroup | Target lowered | Neutral | $23 → $18 |
| 2026-07-23 | Morgan Stanley | Upgrade | Equal-Weight → Overweight | $24 → $23 |
Total return (dividends reinvested) (PAYP)
| 1Y (from 2026-03-12) | 5Y (from 2026-03-09) | |
|---|---|---|
| Total return | -20.0% | -31.3% |
| S&P 500 (SPY) | +14.4% | +79.1% |
| Per year | — | — |
| Volatility (annualized) | 71.8% | 59.3% |
| Max drawdown | -49.6% (Mar 2026→Jun 2026) | -46.3% (Mar 2026→Jun 2026) |
PAYP earnings history and stock reaction
| Results filed | Quarter | EPS | Consensus | Surprise | Stock reaction |
|---|---|---|---|---|---|
| — | Quarter ended Jun 30, 2026 | $27.02 | $26.22 | Beat +3.1% | — |
| — | Quarter ended Mar 31, 2026 | $20.98 | $23.33 | Miss −10.1% | — |
EPS as reported against the analyst consensus before the release; surprise uses the cent-rounded figures shown (in dollars when EPS and consensus have opposite signs). Stock reaction = close before the results to close after (the first close following a release after the bell or before the open).
PAYP recent SEC filings (last 120 days)
| Filed | Form | What it says |
|---|---|---|
| Aug 7, 2026 | 6-K | Current report (foreign issuer) · period ended Jun 30, 2026 |
| Jul 31, 2026 | 6-K | Current report (foreign issuer) · period ended Jul 31, 2026 |
| Jul 30, 2026 | 6-K | Current report (foreign issuer) · period ended Jun 30, 2026 |
Source: SEC EDGAR. Quotes are the opening words of each item as filed; each form links to the filing. Insider Form 4 filings are listed in the insider sections.
PAYP suppliers, customers and competitors (named in its 20-F)
| Relationship | Company | Sentence in the filing |
|---|---|---|
| Customer | PayPay Bank | “To that end, we aim to realize benefits, synergies and efficiencies related to, among other things, increases in cross-selling opportunities among our payment and financial services, increases in total revenue, increased user acquisition, the integration of the financial services offered by PayPay Bank Corporation and PayPay Securities Corporation directly in our app, and lower customer acquisition costs.” |
| Customer | PayPay Securities | “To that end, we aim to realize benefits, synergies and efficiencies related to, among other things, increases in cross-selling opportunities among our payment and financial services, increases in total revenue, increased user acquisition, the integration of the financial services offered by PayPay Bank Corporation and PayPay Securities Corporation directly in our app, and lower customer acquisition costs.” |
| Customer | PayPay Corporation and PayPay Card | “We currently expect our capital expenditures to continue to consist primarily of investments in intangible assets, including capitalized software development costs and certain capitalized customer acquisition costs, mainly for PayPay Corporation and PayPay Card Corporation, as well as software investments at PayPay Bank Corporation and PayPay Securities Corporation.” |
| Customer | For PayPay Bank | “For PayPay Bank Corporation customers' credit risk, we have established a credit risk management system in our internal regulations and strive to control credit risk in accordance with our internal credit policy.” |
| Partner | SOFTBANK GROUP CORP. (SFTBF) | “We collaborate with SoftBank Group companies in the provision of our services.” |
| Partner | LY | “Our collaboration with LY Corporation, with respect to the LINE app as well as Yahoo! Japan's e‑commerce platform, and other affiliated companies, such as SoftBank Corp., to extend PayPay Points to their user bases strengthens these effects.” |
| Partner | Visa (V) | “For example, we are currently in discussions with Visa Inc. ("Visa") to enter into a business alliance to explore collaboration in Japan and the United States by leveraging our QR code-based payment platform and Visa's global payment network and digital payment technologies.” |
| Partner | SB Payment Service | “Business Alliance Agreement for PayCAS between us, SB C&S Corp. and SB Payment Service Corporation, dated August 1, 2024, sets forth the agreement among the parties with respect to the role of each party in connection with the provision of services related to PayCAS.” |
| Partner | LINE | “Our collaboration with LY Corporation, with respect to the LINE app as well as Yahoo! Japan's e‑commerce platform, and other affiliated companies, such as SoftBank Corp., to extend PayPay Points to their user bases strengthens these effects.” |
| Partner | T&D Holdings | “In June 2026, we entered into a share purchase agreement with T&D Holdings, Inc. ("T&D Holdings") to acquire 70.2% of the shares of T&D Financial Life Insurance Company ("TDFL") for total estimated consideration of approximately ¥134 billion (including acquisition-related expenses), which we expect to fund from cash on hand.” |
| Partner | PayPay Card | “We also intend to incorporate data-driven solutions to develop new services in collaboration with PayPay Card Corporation and incorporate AI as part of our cost reduction efforts.” |
| Partner | Binance Japan | “Furthermore, users can also transfer withdrawals from investment-related services such as PayPay Invest, a mini-app within our PayPay app, LINE BITMAX, a cryptocurrency asset trading service operated by LINE Xenesis Corporation , and Binance Japan, a joint venture between of Binance and PayPay, to PayPay Balance..” |
| Partner | SB C&S | “Business Alliance Agreement for PayCAS between us, SB C&S Corp. and SB Payment Service Corporation, dated August 1, 2024, sets forth the agreement among the parties with respect to the role of each party in connection with the provision of services related to PayCAS.” |
| Partner | PayPay SC | “The success of our alliances depends on our ability to cooperate strategically with the other shareholders of PayPay Bank Corporation, PayPay Securities Corporation and PayPay SC Corporation.” |
| Partner | LINE Xenesis | “Furthermore, users can also transfer withdrawals from investment-related services such as PayPay Invest, a mini-app within our PayPay app, LINE BITMAX, a cryptocurrency asset trading service operated by LINE Xenesis Corporation , and Binance Japan, a joint venture between of Binance and PayPay, to PayPay Balance..” |
| Partner | Seven-Eleven Japan | “We have entered into partnerships with third-party companies, including Seven-Eleven Japan Co., Ltd., Monteroza Co., Ltd. and MINISTOP Co., Ltd. to integrate their various services with our PayPay app.” |
| Competitor | Apple (AAPL) | “We also compete with contactless NFC credit card payment offered by credit card companies as well as smartphone contactless payments such as Apple Pay, Google Pay, QUICPay and iD.” |
| Competitor | Alphabet (Google) (GOOGL) | “We also compete with contactless NFC credit card payment offered by credit card companies as well as smartphone contactless payments such as Apple Pay, Google Pay, QUICPay and iD.” |
Quoted from the company's 20-F filed Jun 30, 2026.
PAYP analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Sep 2026) | $31.02 | $28.87 | +7.4% | $115.15B | 7 |
| Next quarter (ends Dec 2026) | $32.38 | $33.04 | -2.0% | $121.50B | 7 |
| Current fiscal year (ends Mar 2027) | $122.59 | $117.26 | +4.5% | $471.68B | 10 |
| Next fiscal year (ends Mar 2028) | $160.34 | $154.92 | +3.5% | $556.85B | 10 |
PAYP options: expected move
Options price a move of about ±25.9% (±$3.70) by Nov 20, 2026, which includes earnings on Oct 30, 2026.
| Expiration | Days | ATM implied volatility | Expected move |
|---|---|---|---|
| Nov 20, 2026 | 22 | 123.5% | ±25.9% |
| Jan 15, 2027 | 78 | 69.9% | ±26.6% |
| Apr 16, 2027 | 169 | 73.1% | ±40.3% |
30-day implied volatility 59.9% vs 36% realized over the last 30 trading days. Put/call ratio (volume) 24. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.
Key Statistics (as of October 29, 2026 at 21:20 UTC)
| Price | USD 14.53 |
|---|---|
| Change | ▲ 2.11% (up) |
| Previous Close | USD 14.23 |
| Open | USD 14.17 |
| Day Range | USD 14.17 – 14.78 |
| 52-Week Range | USD 12.07 – 24.89 |
| Volume | 478,124 shares |
| Market Cap | $9.84B |
| Exchange | NMS |
Technical Analysis (PAYP)
Nexqual's technical model rates PAYP "STRONG SELL" based on 0 bullish and 5 bearish signals across 127 daily candles, as of October 29, 2026 at 21:20 UTC.
| Overall Signal | STRONG SELL |
|---|---|
| RSI (14) | 32.55 (neutral) |
| vs SMA50 | Below (USD 15.96) |
| MACD | -0.42 (negative) |
Analyst Ratings (PAYP)
Wall Street analysts rate PAYP "Buy" based on 13 analysts, with a mean price target of USD 24.12 (range USD 17.03–31.84), per Nexqual as of October 29, 2026 at 21:20 UTC.
| Consensus Rating | Buy |
|---|---|
| Analyst Count | 13 |
| Mean Target | USD 24.12 |
| High Target | USD 31.84 |
| Low Target | USD 17.03 |
| Buy / Hold / Sell | 11 / 2 / 0 |
Earnings (PAYP)
| Next Earnings Date | 2026-10-30 |
|---|---|
| Revenue Estimate | $115.15B |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 27.02 vs est 26.22 ▲ beat |
| 2026-03-31 | USD 20.98 vs est 23.33 ▼ miss |
Source: Nexqual, October 29, 2026 at 21:20 UTC.
Financials & Fundamentals (PAYP)
| Total Revenue | $401.59B |
|---|---|
| Revenue Growth (latest quarter, YoY) | +27.00% |
| Gross Margin | +53.92% |
| Operating Margin | +27.39% |
| Profit Margin | +30.62% |
| ROE | +37.27% |
| Debt / Equity | 1.7 |
| Current Ratio | 1 |
| Total Cash | $74.90B |
| Total Debt | $766.00B |
Source: Nexqual, October 29, 2026 at 21:20 UTC.
Financial Health Score (PAYP)
Nexqual rates PayPay Corporation's overall financial health "Solid" across five dimensions, as of October 29, 2026 at 21:20 UTC.
| Growth | Strong — Revenue +27% YoY (latest Q) |
|---|---|
| Profitability | Strong — Gross margin 54%, operating 27% (last 12 months) |
| Balance Sheet | Critical — JPY 74.9B cash vs JPY 766.0B debt |
| Cash Flow | Solid — Operating cash flow JPY 234.1B (TTM) |
| Efficiency | Strong — ROE 37%, ROA 1.2% |
Ownership (PAYP)
| Insider Ownership | +90.67% |
|---|---|
| Institutional Ownership | +4.65% |
| Shares Outstanding | 677.14M |
| Float | 253.30M |
| Short % of Float | +1.88% |
Source: Nexqual, October 29, 2026 at 21:20 UTC.
Leadership (PAYP)
PayPay Corporation is led by Ichiro Nakayama, President, CEO, Executive Officer & Representative Director, per Nexqual as of October 29, 2026 at 21:20 UTC.
| President, CEO, Executive Officer & Representative Director | Ichiro Nakayama |
|---|---|
| Senior Managing Executive Officer & CFO | Wataru Kagechika |
| Executive VP, Co-COO & Executive Officer | Hajime Baba |
| Executive VP, Co-COO & Executive Officer | Masamichi Yasuda |
| Executive Officer, CMO, Head of the Mrkt Strategy Div & Business Operations Group | Hirofumi Fujii |
Major Backers & Investors (PAYP)
Notable institutional backers of PayPay Corporation include NORGES BANK, Alphabet Inc., Evergreen Quality Fund GP, Ltd., according to Nexqual as of October 29, 2026 at 21:20 UTC.
Active Investors
| Investor | Stake |
|---|---|
| NORGES BANK | 0.49% |
| Alphabet Inc. | 0.46% |
| Evergreen Quality Fund GP, Ltd. | 0.32% |
| ValueAct Holdings, L.P. | 0.32% |
| Holocene Advisors, LP | 0.28% |
| WCM Investment Management, LLC | 0.23% |
| Schroder Investment Management Group | 0.22% |
| Marshall Wace LLP | 0.2% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 0.56% |
Source: Nexqual, October 29, 2026 at 21:20 UTC.
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| GTLB | GitLab Inc. | USD 56.65 | ▼ 2.28% |
| NTSK | Netskope, Inc. | USD 26.19 | ▼ 1.24% |
| S | SentinelOne, Inc. | USD 25.71 | ▲ 0.47% |
| DOCN | DigitalOcean Holdings, Inc. | USD 99.97 | ▼ 4.85% |
| ZETA | Zeta Global Holdings Corp. | USD 32.74 | ▼ 2.12% |
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Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 29, 2026 at 21:20 UTC. This page is informational and not investment advice.
For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt