PayPay’s September quarter revenue and adjusted EBITDA grew 28% and 55% year over year. The company raised 2026 growth guidance for revenue to 25%-26% from 22%-24%, and for adjusted EBITDA to 42%-47% from 34%-40%, as stronger top-line growth offsets higher interest costs.
PayPay increases its take rate earlier than expected while maintaining strong growth momentum across both its code payment and credit businesses.
Growth in code payment and credit businesses slows and take rate expansion stagnates amid intensifying competition.
Metric | PAYP | 4755 | MA |
|---|---|---|---|
Price/Earnings (Normalized) | 19.70 | — | 33.13 |
Price/Book Value | 3.73 | 1.55 | 84.38 |
Price/Sales | 3.68 | 0.53 | 15.96 |
Price/Cash Flow | 12.97 | 3.03 | 26.62 |
Metric | PAYP | 4755 | MA |
|---|---|---|---|
Quick Ratio | 3.02 | 32.11 | 0.65 |
Current Ratio | 3.06 | 32.11 | 1.01 |
Interest Coverage | 8.12 | 0.78 | 26.76 |
Metric | PAYP | 4755 | MA |
|---|---|---|---|
Return on Assets (Normalized) | 1.56% | 0.01% | 31.71% |
Return on Equity (Normalized) | 22.13% | 0.47% | 251.80% |
Return on Invested Capital (Normalized) | 8.45% | 0.21% | 64.69% |
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