2026-08-09 17:01yfinance216 of 235 usable12 candidates216 searchable
Each card shows what you stand to gain and what you stand
to lose, computed the same way. Up is the sector median multiple; down is
the cheapest quintile, or a 25% fall in EBIT, whichever is worse. The ratio
between them is the shape of the arithmetic — it is not odds, and nothing here
estimates a probability. The band rates the evidence, not the
investment. "Strong case" means most of what can be measured checks out —
it does not mean buy, and nothing here knows your portfolio, your horizon or
why the market is discounting the company. Red flags outweigh a high count.
Read the filings before you act on any row.
No purchase price, no date, no share count — this is an
assessment of the company right now, not of your position. Your list is stored
on this device only.
Order
Sorted by gap size. The gap is the distance to the sector
median multiple, not expected return — and the widest gaps are usually the ones
the market has the best reason for. This order puts the most heavily discounted
names first, which is also where value traps live. The evidence order exists
because of that.
PYPLNASDAQ
PayPal Holdings, Inc.
Financial Services
Price
59.07
USD
P/E
9.7
EV/EBIT
7.4
Worst fall
87.3%
Volatility
38.6%
Below high
80.7%
+38%/-25%1.5:1
Up: at the Financial Services median multiple. Down:
EBIT falling 25% at today's multiple. Both are arithmetic on today's earnings —
neither is a probability.
What you'd be betting onThe case rests on earnings holding and the multiple normalising. The question the numbers cannot answer is why the market disagrees — that is in the filings and the news.
Strong case10/12
Most of what can be measured checks out
Fallen, business intactCheap and healthy
The 12 criteria
Valuation
Cheaper than sector peers
EV/EBIT under 15
Free cash flow yield over 5%
Quality
ROIC over 10%
Operating margin over 10%
Gross profit over 20% of assets
Piotroski F-Score 7 or better
Balance sheet
Net debt under 2.5x EBITDA
Altman Z above 2.6
Free cash flow positive
Direction
Revenue growing over three years
Analyst revisions not negative
Why it's cheap
EV/EBIT of 7.4 against a Financial Services median of 8.0 — 6% below peers. Free cash flow yield 11.1%. Trading 81% below its all-time high set 2021-07-23.
Size of the gap
At the Financial Services median EV/EBIT of 8.0 instead of its current 7.4, and with earnings unchanged, the equity would be worth about 7% more. That is the size of the gap, not a forecast that it closes.
Business still intact
ROIC 28% — still earning above a plausible cost of capital
free cash flow positive
Piotroski F-Score 9/9 — accounts improving year on year
revenue compounding at 6% over three years
net debt -0.1x EBITDA — balance sheet not forcing anything
What this can't see
Why the market is discounting this — needs the filings and the news
Whether earnings are about to fall and justify the current multiple
Data warnings on this row — see caveats below
What the sell side says
Consensus hold from 33 analysts, mean target 58.83 USD, 0% below the current price. Revisions over the last quarter have been net positive, which is the part of analyst output the evidence actually supports.
Targets spread 189% of the mean — analysts disagree sharply, and consensus loses its information content when they do.
Trading 0% above the consensus target — the sell side thinks it is expensive.
Price target levels are shown as context only and
never feed the score. Targets are reached roughly half the time and the
most optimistic ones tend to underperform. Revision direction is the part
that carries information.
What you'd be betting onImplied upside of 302% is too large to trust. At this size the likeliest explanations are a data error or earnings that are about to fall, not an opportunity the market missed. Verify EBIT and market cap against the filings before reading anything else here.
Strong case11/12
Most of what can be measured checks out
Fallen, business intactCheap and healthy
Against it — 2 flags
Debt has risen relative to assets every year for three years.
Analysts have been cutting more than raising this quarter.
Read off the statements over three years, not
from any view about the company's prospects. What the numbers cannot tell
you is whether management already has an answer.
The 12 criteria
Valuation
Cheaper than sector peers
EV/EBIT under 15
Free cash flow yield over 5%
Quality
ROIC over 10%
Operating margin over 10%
Gross profit over 20% of assets
Piotroski F-Score 7 or better
Balance sheet
Net debt under 2.5x EBITDA
Altman Z above 2.6
Free cash flow positive
Direction
Revenue growing over three years
Analyst revisions not negative
Why it's cheap
EV/EBIT of 11.7 against a Technology median of 47.1 — 75% below peers. Free cash flow yield 9.3%. Trading 61% below its all-time high set 2021-11-19.
Size of the gap
At the Technology median P/E of 56.7 instead of its current 14.8, and with earnings unchanged, the equity would be worth about 283% more. That is the size of the gap, not a forecast that it closes.
Business still intact
ROIC 63% — still earning above a plausible cost of capital
free cash flow positive
Piotroski F-Score 7/9 — accounts improving year on year
revenue compounding at 11% over three years
net debt 0.0x EBITDA — balance sheet not forcing anything
What this can't see
Why the market is discounting this — needs the filings and the news
Whether earnings are about to fall and justify the current multiple
Data warnings on this row — see caveats below
What the sell side says
Consensus hold from 34 analysts, mean target 269.61 USD, 2% above the current price. Revisions over the last quarter have been net negative — the sell side is marking this down.
Targets spread 70% of the mean — analysts disagree sharply, and consensus loses its information content when they do.
Price target levels are shown as context only and
never feed the score. Targets are reached roughly half the time and the
most optimistic ones tend to underperform. Revision direction is the part
that carries information.
Up: at the Financial Services median multiple. Down:
EBIT falling 25% at today's multiple. Both are arithmetic on today's earnings —
neither is a probability.
What you'd be betting onThe case rests on earnings holding and the multiple normalising. The question the numbers cannot answer is why the market disagrees — that is in the filings and the news.
Strong case7/8
Most of what can be measured checks out
Cheap and healthy
Against it — 1 flag
Debt has risen relative to assets every year for three years.
Read off the statements over three years, not
from any view about the company's prospects. What the numbers cannot tell
you is whether management already has an answer.
The 8 criteria
Valuation
Cheaper than sector peers
EV/EBIT under 15
Free cash flow yield over 5%
Quality
ROIC over 10%
Operating margin over 10%
Gross profit over 20% of assets
Piotroski F-Score 7 or better
Balance sheet
Net debt under 2.5x EBITDA
Altman Z above 2.6
Free cash flow positive
Direction
Revenue growing over three years
Analyst revisions not negative
Why it's cheap
EV/EBIT of 5.6 against a Financial Services median of 8.0 — 29% below peers. Free cash flow yield 16.4%.
Size of the gap
At the Financial Services median EV/EBIT of 8.0 instead of its current 5.6, and with earnings unchanged, the equity would be worth about 35% more. That is the size of the gap, not a forecast that it closes.
Business still intact
ROIC 54% — still earning above a plausible cost of capital
free cash flow positive
revenue compounding at 31% over three years
operating margin 19%
What this can't see
Why the market is discounting this — needs the filings and the news
Whether earnings are about to fall and justify the current multiple
Only 1 analyst estimate(s) — thin coverage
Data warnings on this row — see caveats below
What the sell side says
mean target 150.00 ILS, 14% below the current price. Revisions over the last quarter are balanced.
Only 1 analyst estimate(s) — too few for a consensus to mean much.
Trading 14% above the consensus target — the sell side thinks it is expensive.
Price target levels are shown as context only and
never feed the score. Targets are reached roughly half the time and the
most optimistic ones tend to underperform. Revision direction is the part
that carries information.
Up: at the Healthcare median multiple. Down:
EBIT falling 25% at today's multiple. Both are arithmetic on today's earnings —
neither is a probability.
What you'd be betting onThe case rests on earnings holding and the multiple normalising. The question the numbers cannot answer is why the market disagrees — that is in the filings and the news.
Strong case10/12
Most of what can be measured checks out
Growing, not yet priced for it
The 12 criteria
Valuation
Cheaper than sector peers
EV/EBIT under 15
Free cash flow yield over 5%
Quality
ROIC over 10%
Operating margin over 10%
Gross profit over 20% of assets
Piotroski F-Score 7 or better
Balance sheet
Net debt under 2.5x EBITDA
Altman Z above 2.6
Free cash flow positive
Direction
Revenue growing over three years
Analyst revisions not negative
Why it's cheap
EV/EBIT of 15.0 against a Healthcare median of 22.1 — 32% below peers. Free cash flow yield 7.6%.
Size of the gap
At the Healthcare median EV/EBIT of 22.1 instead of its current 15.0, and with earnings unchanged, the equity would be worth about 60% more. That is the size of the gap, not a forecast that it closes.
Business still intact
ROIC 15% — still earning above a plausible cost of capital
free cash flow positive
Piotroski F-Score 9/9 — accounts improving year on year
operating margin 23%
What this can't see
Why the market is discounting this — needs the filings and the news
Whether earnings are about to fall and justify the current multiple
Data warnings on this row — see caveats below
What the sell side says
Consensus buy from 24 analysts, mean target 66.21 USD, 2% above the current price. Revisions over the last quarter have been net positive, which is the part of analyst output the evidence actually supports.
Targets spread 60% of the mean — analysts disagree sharply, and consensus loses its information content when they do.
Price target levels are shown as context only and
never feed the score. Targets are reached roughly half the time and the
most optimistic ones tend to underperform. Revision direction is the part
that carries information.
Up: at the Financial Services median multiple. Down:
EBIT falling 25% at today's multiple. Both are arithmetic on today's earnings —
neither is a probability.
What you'd be betting onThe case rests on earnings holding and the multiple normalising. The question the numbers cannot answer is why the market disagrees — that is in the filings and the news.
Strong case8/9
Most of what can be measured checks out
Cheap and healthy
The 9 criteria
Valuation
Cheaper than sector peers
EV/EBIT under 15
Free cash flow yield over 5%
Quality
ROIC over 10%
Operating margin over 10%
Gross profit over 20% of assets
Piotroski F-Score 7 or better
Balance sheet
Net debt under 2.5x EBITDA
Altman Z above 2.6
Free cash flow positive
Direction
Revenue growing over three years
Analyst revisions not negative
Why it's cheap
P/E of 11.1 against a Financial Services median of 13.2 — 16% below peers. Free cash flow yield 15.3%.
Size of the gap
At the Financial Services median EV/EBIT of 8.0 instead of its current 7.7, and with earnings unchanged, the equity would be worth about 2% more. That is the size of the gap, not a forecast that it closes.
Business still intact
ROIC 66% — still earning above a plausible cost of capital
free cash flow positive
revenue compounding at 21% over three years
operating margin 17%
What this can't see
Why the market is discounting this — needs the filings and the news
Whether earnings are about to fall and justify the current multiple
Data warnings on this row — see caveats below
What the sell side says
Consensus hold from 21 analysts, mean target 229.78 USD, 7% above the current price. Revisions over the last quarter are balanced.
Targets spread 48% of the mean — analysts disagree sharply, and consensus loses its information content when they do.
Price target levels are shown as context only and
never feed the score. Targets are reached roughly half the time and the
most optimistic ones tend to underperform. Revision direction is the part
that carries information.
Up: at the Technology median multiple. Down:
EBIT falling 25% at today's multiple. Both are arithmetic on today's earnings —
neither is a probability.
What you'd be betting onThe case rests on current earnings estimates, and analysts have been cutting them. The bet is that the cuts are finished.
Strong case10/12
Most of what can be measured checks out
Fallen, business intact
Against it — 1 flag
Analysts have been cutting more than raising this quarter.
Read off the statements over three years, not
from any view about the company's prospects. What the numbers cannot tell
you is whether management already has an answer.
The 12 criteria
Valuation
Cheaper than sector peers
EV/EBIT under 15
Free cash flow yield over 5%
Quality
ROIC over 10%
Operating margin over 10%
Gross profit over 20% of assets
Piotroski F-Score 7 or better
Balance sheet
Net debt under 2.5x EBITDA
Altman Z above 2.6
Free cash flow positive
Direction
Revenue growing over three years
Analyst revisions not negative
Why it's cheap
EV/EBIT of 17.9 against a Technology median of 47.1 — 62% below peers. Free cash flow yield 6.7%. Trading 59% below its all-time high set 2025-07-30.
Size of the gap
At the Technology median EV/EBIT of 47.1 instead of its current 17.9, and with earnings unchanged, the equity would be worth about 167% more. That is the size of the gap, not a forecast that it closes.
Business still intact
ROIC 19% — still earning above a plausible cost of capital
free cash flow positive
Piotroski F-Score 9/9 — accounts improving year on year
revenue compounding at 14% over three years
net debt 0.4x EBITDA — balance sheet not forcing anything
What this can't see
Why the market is discounting this — needs the filings and the news
Whether earnings are about to fall and justify the current multiple
Data warnings on this row — see caveats below
What the sell side says
Consensus buy from 33 analysts, mean target 454.65 USD, 40% above the current price. Revisions over the last quarter have been net negative — the sell side is marking this down.
Targets spread 148% of the mean — analysts disagree sharply, and consensus loses its information content when they do.
Price target levels are shown as context only and
never feed the score. Targets are reached roughly half the time and the
most optimistic ones tend to underperform. Revision direction is the part
that carries information.
Up: at the Financial Services median multiple. Down:
EBIT falling 25% at today's multiple. Both are arithmetic on today's earnings —
neither is a probability.
What you'd be betting onThe case rests on earnings holding and the multiple normalising. The question the numbers cannot answer is why the market disagrees — that is in the filings and the news.
Strong case7/8
Most of what can be measured checks out
Cheap and healthy
The 8 criteria
Valuation
Cheaper than sector peers
EV/EBIT under 15
Free cash flow yield over 5%
Quality
ROIC over 10%
Operating margin over 10%
Gross profit over 20% of assets
Piotroski F-Score 7 or better
Balance sheet
Net debt under 2.5x EBITDA
Altman Z above 2.6
Free cash flow positive
Direction
Revenue growing over three years
Analyst revisions not negative
Why it's cheap
EV/EBIT of 6.4 against a Financial Services median of 8.0 — 19% below peers. Free cash flow yield 7.7%.
Size of the gap
At the Financial Services median EV/EBIT of 8.0 instead of its current 6.4, and with earnings unchanged, the equity would be worth about 35% more. That is the size of the gap, not a forecast that it closes.
Business still intact
ROIC 14% — still earning above a plausible cost of capital
free cash flow positive
revenue compounding at 46% over three years
operating margin 19%
What this can't see
Why the market is discounting this — needs the filings and the news
Whether earnings are about to fall and justify the current multiple
Only 1 analyst estimate(s) — thin coverage
Data warnings on this row — see caveats below
What the sell side says
mean target 290.00 ILS, 28% above the current price. Revisions over the last quarter are balanced.
Only 1 analyst estimate(s) — too few for a consensus to mean much.
Price target levels are shown as context only and
never feed the score. Targets are reached roughly half the time and the
most optimistic ones tend to underperform. Revision direction is the part
that carries information.
What you'd be betting onImplied upside of 378% is too large to trust. At this size the likeliest explanations are a data error or earnings that are about to fall, not an opportunity the market missed. Verify EBIT and market cap against the filings before reading anything else here.
Strong case10/12
Most of what can be measured checks out
Fallen, business intact
Against it — 2 flags
Debt has risen relative to assets every year for three years.
Analysts have been cutting more than raising this quarter.
Read off the statements over three years, not
from any view about the company's prospects. What the numbers cannot tell
you is whether management already has an answer.
The 12 criteria
Valuation
Cheaper than sector peers
EV/EBIT under 15
Free cash flow yield over 5%
Quality
ROIC over 10%
Operating margin over 10%
Gross profit over 20% of assets
Piotroski F-Score 7 or better
Balance sheet
Net debt under 2.5x EBITDA
Altman Z above 2.6
Free cash flow positive
Direction
Revenue growing over three years
Analyst revisions not negative
Why it's cheap
EV/EBIT of 9.6 against a Technology median of 47.1 — 80% below peers. Free cash flow yield 10.4%. Trading 55% below its all-time high set 2025-02-05.
Size of the gap
No usable re-rating gap: the multiple is at or above its sector median, or the inputs were missing.
Business still intact
ROIC 30% — still earning above a plausible cost of capital
free cash flow positive
net debt -0.3x EBITDA — balance sheet not forcing anything
Altman Z 4.1 — outside the distress zone
operating margin 16%
What this can't see
Why the market is discounting this — needs the filings and the news
Whether earnings are about to fall and justify the current multiple
Data warnings on this row — see caveats below
What the sell side says
Consensus buy from 25 analysts, mean target 178.89 USD, 2% above the current price. Revisions over the last quarter have been net negative — the sell side is marking this down.
Targets spread 81% of the mean — analysts disagree sharply, and consensus loses its information content when they do.
Price target levels are shown as context only and
never feed the score. Targets are reached roughly half the time and the
most optimistic ones tend to underperform. Revision direction is the part
that carries information.
Up: at the Technology median multiple. Down:
EBIT falling 25% at today's multiple. Both are arithmetic on today's earnings —
neither is a probability.
What you'd be betting onThe case rests on earnings holding and the multiple normalising. The question the numbers cannot answer is why the market disagrees — that is in the filings and the news.
Strong case9/11
Most of what can be measured checks out
Fallen, business intact
The 11 criteria
Valuation
Cheaper than sector peers
EV/EBIT under 15
Free cash flow yield over 5%
Quality
ROIC over 10%
Operating margin over 10%
Gross profit over 20% of assets
Piotroski F-Score 7 or better
Balance sheet
Net debt under 2.5x EBITDA
Altman Z above 2.6
Free cash flow positive
Direction
Revenue growing over three years
Analyst revisions not negative
Why it's cheap
EV/EBIT of 16.7 against a Technology median of 47.1 — 64% below peers. Free cash flow yield 9.6%. Trading 41% below its all-time high set 2026-01-14.
Size of the gap
At the Technology median EV/EBIT of 47.1 instead of its current 16.7, and with earnings unchanged, the equity would be worth about 186% more. That is the size of the gap, not a forecast that it closes.
Business still intact
ROIC 28% — still earning above a plausible cost of capital
free cash flow positive
Piotroski F-Score 9/9 — accounts improving year on year
revenue compounding at 10% over three years
net debt 0.3x EBITDA — balance sheet not forcing anything
What this can't see
Why the market is discounting this — needs the filings and the news
Whether earnings are about to fall and justify the current multiple
Only 1 analyst estimate(s) — thin coverage
Data warnings on this row — see caveats below
What the sell side says
mean target 120.00 ILS, 36% above the current price. Revisions over the last quarter are balanced.
Only 1 analyst estimate(s) — too few for a consensus to mean much.
Price target levels are shown as context only and
never feed the score. Targets are reached roughly half the time and the
most optimistic ones tend to underperform. Revision direction is the part
that carries information.
Up: at the Basic Materials median multiple. Down:
EBIT falling 25% at today's multiple. Both are arithmetic on today's earnings —
neither is a probability.
What you'd be betting onThe case rests on earnings holding and the multiple normalising. The question the numbers cannot answer is why the market disagrees — that is in the filings and the news.
Strong case12/12
Most of what can be measured checks out
Cheap and healthy
The 12 criteria
Valuation
Cheaper than sector peers
EV/EBIT under 15
Free cash flow yield over 5%
Quality
ROIC over 10%
Operating margin over 10%
Gross profit over 20% of assets
Piotroski F-Score 7 or better
Balance sheet
Net debt under 2.5x EBITDA
Altman Z above 2.6
Free cash flow positive
Direction
Revenue growing over three years
Analyst revisions not negative
Why it's cheap
EV/EBIT of 10.1 against a Basic Materials median of 26.6 — 62% below peers. Free cash flow yield 6.3%.
Size of the gap
At the Basic Materials median EV/EBIT of 26.6 instead of its current 10.1, and with earnings unchanged, the equity would be worth about 161% more. That is the size of the gap, not a forecast that it closes.
Business still intact
ROIC 22% — still earning above a plausible cost of capital
free cash flow positive
Piotroski F-Score 9/9 — accounts improving year on year
revenue compounding at 24% over three years
net debt -0.2x EBITDA — balance sheet not forcing anything
What this can't see
Why the market is discounting this — needs the filings and the news
Whether earnings are about to fall and justify the current multiple
Data warnings on this row — see caveats below
What the sell side says
Consensus buy from 21 analysts, mean target 130.36 USD, 15% above the current price. Revisions over the last quarter have been net positive, which is the part of analyst output the evidence actually supports.
Targets spread 77% of the mean — analysts disagree sharply, and consensus loses its information content when they do.
Price target levels are shown as context only and
never feed the score. Targets are reached roughly half the time and the
most optimistic ones tend to underperform. Revision direction is the part
that carries information.
What you'd be betting onNot enough peer data to price a downside — treat the upside figure as unbounded on the wrong side.
Strong case6/7
Most of what can be measured checks out
Fallen, business intact
Against it — 1 flag
Analysts have been cutting more than raising this quarter.
Read off the statements over three years, not
from any view about the company's prospects. What the numbers cannot tell
you is whether management already has an answer.
The 7 criteria
Valuation
Cheaper than sector peers
EV/EBIT under 15
Free cash flow yield over 5%
Quality
ROIC over 10%
Operating margin over 10%
Gross profit over 20% of assets
Piotroski F-Score 7 or better
Balance sheet
Net debt under 2.5x EBITDA
Altman Z above 2.6
Free cash flow positive
Direction
Revenue growing over three years
Analyst revisions not negative
Why it's cheap
Trading 38% below its all-time high set 2025-01-22.
Size of the gap
No usable re-rating gap: the multiple is at or above its sector median, or the inputs were missing.
Business still intact
free cash flow positive
Piotroski F-Score 7/9 — accounts improving year on year
revenue compounding at 17% over three years
Altman Z 32.8 — outside the distress zone
operating margin 29%
What this can't see
Why the market is discounting this — needs the filings and the news
Whether earnings are about to fall and justify the current multiple
Data warnings on this row — see caveats below
What the sell side says
Consensus buy from 29 analysts, mean target 477.25 USD, 26% above the current price. Revisions over the last quarter have been net negative — the sell side is marking this down.
Targets spread 76% of the mean — analysts disagree sharply, and consensus loses its information content when they do.
Price target levels are shown as context only and
never feed the score. Targets are reached roughly half the time and the
most optimistic ones tend to underperform. Revision direction is the part
that carries information.
Up: at the Technology median multiple. Down:
EBIT falling 25% at today's multiple. Both are arithmetic on today's earnings —
neither is a probability.
What you'd be betting onThe case rests on earnings holding and the multiple normalising. The question the numbers cannot answer is why the market disagrees — that is in the filings and the news.
Strong case11/12
Most of what can be measured checks out
Cheap and healthy
The 12 criteria
Valuation
Cheaper than sector peers
EV/EBIT under 15
Free cash flow yield over 5%
Quality
ROIC over 10%
Operating margin over 10%
Gross profit over 20% of assets
Piotroski F-Score 7 or better
Balance sheet
Net debt under 2.5x EBITDA
Altman Z above 2.6
Free cash flow positive
Direction
Revenue growing over three years
Analyst revisions not negative
Why it's cheap
EV/EBIT of 13.6 against a Technology median of 47.1 — 71% below peers. Free cash flow yield 7.1%. Trading 33% below its all-time high set 2026-05-29.
Size of the gap
At the Technology median EV/EBIT of 47.1 instead of its current 13.6, and with earnings unchanged, the equity would be worth about 253% more. That is the size of the gap, not a forecast that it closes.
Business still intact
ROIC 23% — still earning above a plausible cost of capital
free cash flow positive
net debt 0.3x EBITDA — balance sheet not forcing anything
Altman Z 6.4 — outside the distress zone
operating margin 30%
What this can't see
Why the market is discounting this — needs the filings and the news
Whether earnings are about to fall and justify the current multiple
Data warnings on this row — see caveats below
What the sell side says
Consensus hold from 30 analysts, mean target 194.77 USD, 16% above the current price. Revisions over the last quarter have been net positive, which is the part of analyst output the evidence actually supports.
Targets spread 154% of the mean — analysts disagree sharply, and consensus loses its information content when they do.
Price target levels are shown as context only and
never feed the score. Targets are reached roughly half the time and the
most optimistic ones tend to underperform. Revision direction is the part
that carries information.