PayPal Holdings, Inc.

Report azionario NasdaqGS:PYPL

Capitalizzazione di mercato: US$50.5b

PayPal Holdings Performance degli utili passati

Criteri Il passato verificati 3/6

PayPal Holdings ha registrato una crescita degli utili a un tasso medio annuo di 7.6%, mentre il settore Diversified Financial ha registrato utili in crescita a un tasso medio annuo di 12.2%. I ricavi sono stati in crescita a un tasso medio annuo di 6.9%. Il ritorno sul capitale proprio di PayPal Holdings è 24.7% e ha margini netti di 14.4%.

Informazioni chiave

7.59%

Tasso di crescita degli utili

13.10%

Tasso di crescita dell'EPS

Diversified Financial Crescita del settore6.15%
Tasso di crescita dei ricavi6.88%
Rendimento del capitale proprio24.73%
Margine netto14.36%
Prossimo aggiornamento sugli utili27 Oct 2026

Aggiornamenti sulle prestazioni recenti

Recent updates

Nuova narrativa • Aug 05

Ten Percent More Volume, One Percent More Transaction Margin

Read the two profit lines together. GAAP net income of $1,104 million was down 12% year over year.
Aggiornamento narrativa • Aug 04

PayPal: PayPal Doesn't Need to Grow – It Needs to Stop Falling – A Mispriced Cash Machine With a Cannibal Buyback

In my pre-earnings update I committed to reading three things. Here is the readout: 1.
Seeking Alpha • Aug 04

PayPal: Still Deeply Undervalued, Deal Or No Deal

Summary PayPal remains a Strong Buy, with substantial re-rating potential driven by robust cash flow and undervaluation versus intrinsic value. Q2 results were strong: TPV was up ~10% to $486.45B, FCF was up 157% YoY, and guidance was raised for non-GAAP EPS and transaction margin dollars. PYPL's balance sheet is solid, supporting $6B in 2026 buybacks and potential transformative M&A alongside its strong FCF, even as macro headwinds and competition persist. Even under conservative DCF assumptions, intrinsic value is estimated well above current levels, with risks seemingly more than priced in. Read the full article on Seeking Alpha
Aggiornamento narrativa • Jul 31

PYPL: Turnaround And AI Reorganization Will Drive Future Rerating Potential

Analysts have raised the average price target for PayPal Holdings as the updated fair value estimate moves from $89.38 to $94.54, supported by recent research that points to stabilizing branded checkout trends, a Q2 earnings beat, and ongoing turnaround efforts under new leadership. Analyst Commentary Recent research around PayPal Holdings points to a more constructive tone from a number of bullish analysts following the Q2 report.
Nuova narrativa • Jul 27

The Underrated Transformation of a Digital Payments Giant

The Underrated Transformation of a Digital Payments Giant I have been invested in PayPal for several years and have consciously decided to increase my position further. The reason is not short-term speculation, but rather my conviction that the market is currently underestimating the company’s long-term development and potential.
Nuova narrativa • Jul 17

PayPal: Undervalued Cash Flow Machine or Value Trap?

Investment Summary PayPal remains one of the largest digital payments platforms globally, yet the market continues to value the company as a mature, low-growth payments processor rather than a business capable of generating durable free cash flow and high returns on invested capital. Based on my discounted cash flow (DCF) analysis, PayPal appears materially undervalued, with an intrinsic value of $106.44 per share , representing approximately 88% upside from the current share price of $56.56.
Aggiornamento narrativa • Jul 17

PYPL: M&A Standoff And AI Restructuring Will Shape Future Repricing

Analysts have nudged the fair value estimate for PayPal Holdings higher from $51.35 to $52.42. This primarily reflects tighter discount rate assumptions, while core growth and margin views remain broadly intact amid ongoing M&A speculation and recent price target resets across the Street.
Aggiornamento narrativa • Jul 15

An Offer Below Fair Value – Why $60.50 Is the Floor, Not the Ceiling

Reuters reported today that Stripe and Advent International (with Block as third equity partner) submitted an all-cash offer of $60.50 per share, valuing PayPal at more than $53 billion, backed by roughly $50 billion in committed bank financing. The board has not responded yet, a board meeting is expected around July 20.
Aggiornamento narrativa • Jul 13

PayPal Holdings will keep their fair value of $65 consistent

Pre-earnings update (July 13) – checkpoint ahead, fair value unchanged Q2 results come July 28 (consensus: EPS $1.28, roughly -9% as guided; revenue ~$8.5B). The number itself matters less than three things I will read closely: 1.
Nuova narrativa • Jul 02

PayPal: PayPal Doesn't Need to Grow – It Needs to Stop Falling – A Mispriced Cash Machine With a Cannibal Buyback

The market prices PayPal (~8x earnings) as a structurally dying payments company. The numbers show something else: ~$6.8B in annual free cash flow, a net-cash balance sheet (~$13.5B cash vs.
Aggiornamento narrativa • Jun 17

PYPL: AI Commerce Restructuring And Buybacks Will Drive Future Rerating

Analysts have modestly lifted their fair value estimate for PayPal Holdings, moving the implied price target from about $79 to roughly $89. They cited slightly refined discount rate and revenue growth assumptions, along with a higher projected profit margin and a small upward adjustment in future P/E expectations.
Articolo di analisi • Jun 16

PayPal (PYPL) Stock Could Be 48.2% Undervalued As New Partnerships Draw Attention

Recent attention on PayPal Holdings (PYPL) has centered on high profile investors publicly flagging the stock as discounted, at the same time that fresh partnerships and leadership changes are reshaping how the payments company talks about its future. See our latest analysis for PayPal Holdings. Despite partnerships like Shopware Payments and Hey Savi’s AI commerce launch putting PayPal Holdings at the center of new payment flows, the recent 1-day and 7-day share price returns of 2.31% and...
Aggiornamento narrativa • Jun 03

PYPL: AI Restructuring And Breakup Watchlist Status Will Drive Future Repricing

Analysts now place PayPal's fair value price target at about $51.35, down from roughly $53.00. This reflects slightly softer modeled revenue growth, profit margins, and future P/E assumptions, along with a modestly higher discount rate.
Nuova narrativa • May 23

$PYPL Options Are Cheap

I’ve been reading up on some pretty decent research on PYPL, and initially I wasn’t planning to write “yet another PYPL article” about it. Yet something caught my eye — its long-term options are cheap given the risk:reward exposure.
Aggiornamento narrativa • May 20

PYPL: Takeover Interest Will Likely Fail To Offset Competitive Erosion

Analysts have trimmed their blended PayPal price target by about $1 to reflect slightly softer revenue growth and margin assumptions, even as some recent research highlights potential breakup scenarios and takeover interest that could support valuation over time. Analyst Commentary Recent research on PayPal has been mixed, with some firms lifting price targets and highlighting potential corporate activity, while others are taking a more cautious stance on growth, execution, and competitive pressures.
Aggiornamento narrativa • Apr 30

PYPL: Takeover And Breakup Chatter Will Likely Fail To Offset Competitive Pressures

Analyst price targets for PayPal Holdings have moved higher by several dollars to the mid to upper $40s and $50s, as analysts weigh fresh breakup and takeover chatter against a series of recent target cuts and new Neutral ratings. This leaves the fair value estimate broadly unchanged, but the narrative is now more focused on potential corporate actions than on core operating shifts.
Aggiornamento narrativa • Apr 16

PYPL: Takeover Chatter And Mixed Ratings Will Shape Future Repricing Debate

The analyst price target for PayPal has been nudged higher to align with a fair value estimate of about $53, as analysts balance mixed rating changes and takeover chatter with slightly adjusted assumptions for growth, margins, and future P/E. Analyst Commentary Recent research on PayPal reflects a split tape, with some firms flagging valuation support and takeover optionality, while others focus on competitive pressure, execution risk, and trimmed price targets across the coverage universe.
Aggiornamento narrativa • Apr 02

PYPL: Reported Takeover Interest Will Drive Future Repricing Debate

Analysts have nudged the fair value estimate for PayPal Holdings slightly higher to about $52.74, citing modestly stronger assumptions for revenue growth and profit margins, along with a still restrained future P/E multiple and a cluster of recent Neutral ratings that balance ongoing competitive and execution questions with interest from potential acquirers. Analyst Commentary Recent research coverage on PayPal has tilted toward more neutral stances, with several firms reiterating or initiating ratings that sit between outright bullish and bearish.
Aggiornamento narrativa • Mar 19

PYPL: Rising Checkout Competition Will Likely Keep Takeover Hopes From Repricing Shares

Analysts have reset PayPal Holdings' fair value estimate from $51.00 to $32.00, as they factor in more muted revenue growth, softer profit margins, a lower future P/E multiple, and a wave of reduced price targets and Neutral ratings driven by rising competitive pressures and questions around the durability of branded checkout share. Analyst Commentary Recent Street research on PayPal reflects a split view.
Aggiornamento narrativa • Mar 05

PYPL: Reported Takeover Interest Will Support Future Upside Repricing

The analyst price target for PayPal increases slightly to $52 from $51.88 as analysts weigh a long list of recent target cuts and downgrades against ongoing views that the shares are undervalued and could draw buyer interest at a higher valuation multiple. Analyst Commentary Recent research on PayPal highlights a split view, with some firms trimming price targets or moving to Neutral ratings while others argue that the stock screens as undervalued, especially in the context of reported takeover interest.
Aggiornamento narrativa • Feb 19

PYPL: AI Commerce Partnerships And Share Buybacks Will Support Future Upside

The Analyst Price Target for PayPal Holdings has been reset lower from $73.33 to $51.88, reflecting analysts' updated views on softer revenue growth, slightly weaker profit margins, and a more conservative future P/E following a wave of price target cuts and rating changes across the Street. Analyst Commentary Recent research on PayPal Holdings reflects a mixed but more cautious tone, with many firms cutting price targets and adjusting ratings, while a smaller group highlights reasons to stay constructive on the story.
Articolo di analisi • Feb 05

Why Investors Shouldn't Be Surprised By PayPal Holdings, Inc.'s (NASDAQ:PYPL) 31% Share Price Plunge

To the annoyance of some shareholders, PayPal Holdings, Inc. ( NASDAQ:PYPL ) shares are down a considerable 31% in the...
Aggiornamento narrativa • Feb 05

PYPL: AI Commerce Partnerships And Buybacks Will Drive Future Reassessment

The analyst price target for PayPal Holdings has been revised from $105.86 to $79.19. This reflects analysts' updates to fair value, growth, profitability and future P/E assumptions following a broad wave of target cuts and rating changes across the Street.
Nuova narrativa • Jan 23

PayPal’s Acquisition of Cymbio: Deepening Agentic Commerce Capabilities, Expanding AI Distribution, and Reinforcing Merchant-Centric Growth

Author: Qudus Adebara (Founder of Wane Investment House) PayPal Holdings, Inc. (NASDAQ: PYPL) has announced an agreement to acquire Cymbio , a multi-channel orchestration and commerce enablement platform, marking a strategically significant step in PayPal’s evolution from a payments company into a full-stack, AI-native commerce partner.
Aggiornamento narrativa • Jan 21

PYPL: AI Commerce And ChatGPT Wallet Integration Will Support Future Upside

Analysts have trimmed their blended price target on PayPal Holdings to about $73 from roughly $77. This reflects slightly lower assumptions for revenue growth, profit margins, and future P/E, as recent research has emphasized tempered expectations for branded checkout momentum and market share.
Aggiornamento narrativa • Jan 07

PYPL: AI Commerce And ChatGPT Integration Will Drive Future Upside Potential

Analysts have trimmed their blended fair value estimate for PayPal Holdings to about $76.75 from roughly $82.00, reflecting slightly lower modeled revenue growth, profit margins, and future P/E assumptions, even as several firms recently raised price targets on the back of steady operating progress and new partnerships. Analyst Commentary Recent research on PayPal shows a split between analysts who see the Q3 update and product shifts as a reason to lean more constructive, and those who remain cautious on execution, competitive pressure, and margin risk.
Aggiornamento narrativa • Dec 30

PayPal Stock: The Shift From Growth at Any Cost to Payments With Discipline

PayPal (NASDAQ: PYPL) has spent the past two years doing something the market often demands but rarely rewards in real time: resetting expectations. After a long stretch defined by rapid user expansion and sprawling product initiatives, the company is refocusing on fundamentals—transaction margins, operating leverage, and capital returns.
Aggiornamento narrativa • Dec 20

PYPL: Future OpenAI Partnership Upside Will Likely Fail To Justify Current Pricing

Analysts modestly raise their price expectations for PayPal, with our updated fair value estimate moving from $62.00 to $71.00 per share. This reflects improving revenue growth and profit margin assumptions alongside a lower future P E multiple, as recent Street research highlights steady operational progress, expanding BNPL and Venmo contributions, and incremental upside from the new OpenAI partnership despite ongoing macro and competitive headwinds.
Aggiornamento narrativa • Dec 05

PYPL: AI Commerce Partnerships Will Drive Future Upside Potential

Analysts have modestly raised their price target on PayPal Holdings to a range of about $80 to $100 per share, reflecting greater confidence in accelerating revenue growth, improving contributions from unbranded processing and Buy Now, Pay Later, and new AI driven partnerships, even as they temper expectations for near term profitability and valuation multiples. Analyst Commentary Recent research commentary reflects a more constructive stance on PayPal, with several bullish analysts raising price targets into the high $70s to low $100s as execution improves across core and newer initiatives.
Aggiornamento narrativa • Nov 04

Why PayPal’s Growth Story Isn’t Over

PayPal Stock: Growth Is Back, Dividend Introduced PayPal (NASDAQ: PYPL) delivered a stronger-than-expected Q3 2025 and, for the first time in its history, announced a quarterly dividend — signaling confidence in its ability to generate consistent free cash flow. Revenue climbed 7% year-over-year to $8.4 billion , while transaction margin dollars rose 6% to $3.9 billion.
Aggiornamento narrativa • Oct 21

Analyst Commentary Highlights Mixed Outlook and Modest Valuation Changes for PayPal Holdings

Analysts have reduced their fair value estimate for PayPal Holdings slightly from $82.52 to $82.22. They cite ongoing transaction margin headwinds and near-term uncertainty in branded checkout growth as the main drivers for the modest adjustment.
Articolo di analisi • Sep 05

Weekly Picks: 💸 A fintech heavyweight with even more upside potential and 2 more picks

This week’s picks cover: Why Venmo and merchant solutions are driving PayPal’s upside potential, how IREN’s pivot from Bitcoin mining to AI infrastructure is adding value, and how Cadeler’s fleet expansion rides offshore wind growth.
Nuova narrativa • Jul 24

PayPal's Future Growth Through Venmo and Merchant Solutions

PayPal at it's surface might not seem like fanciest option available; but as you take a deeper dive into the company it has a lot more to offer than just the app we use for transactions and sending money to others. Most of their revenue comes from transactions while they also source some revenue from other added value services like: Payment Gateway Subscriptions Interest and fees from consumer loans and merchant loans Other credit products referrals partnerships One other source that recently has begun to catch traction for them is Venmo; which is quite similar to the normal services of PayPal but has been very popular with younger populations.
Seeking Alpha • Apr 29

PayPal: Strong Results And A Massive Shareholder Yield

Summary PayPal Holdings, Inc. reported better-than-expected Q1 earnings, with a significant EPS beat, despite a slight revenue miss, and shares are currently trading at an attractive valuation. The company demonstrated strong cost controls, reducing operating expenses by 2%, which contributed to a 16% increase in operating profits and a 23% EPS growth. PayPal continues to execute substantial share buybacks, reducing its share count by 1.5% in Q1 alone, with plans for $6 billion in buybacks this year. Trading at just 13x net earnings and delivering over 20% EPS growth, PYPL stock presents a compelling investment opportunity, despite some business growth challenges. Read the full article on Seeking Alpha
Seeking Alpha • Apr 23

PayPal: The Turnaround Is Under Threat

Summary The rising competition and the increase of macro risks could undermine PayPal’s turnaround efforts. The fact that PayPal is expected to grow its sales only at a single-digit rate makes it impossible to call the company a growth investment. PayPal is a Hold for us only because its stock has greatly depreciated lately and is fundamentally undervalued right now. Read the full article on Seeking Alpha

Ripartizione dei ricavi e delle spese

Come PayPal Holdings guadagna e spende denaro. In base agli ultimi utili dichiarati, su base LTM.

Storico di utili e ricavi

NasdaqGS:PYPL Ricavi, spese e utili (USD Millions )
DataRicaviUtiliSpese G+ASpese di R&S
30 Jun 2634,1284,9024,2853,247
31 Mar 2633,7345,0594,2803,165
31 Dec 2533,1725,2334,2623,103
30 Sep 2532,8624,9174,2893,072
30 Jun 2532,2924,6794,2823,017
31 Mar 2531,8894,5464,2542,968
31 Dec 2431,7974,1474,1482,979
30 Sep 2431,4574,4283,9482,976
30 Jun 2431,0284,4383,8702,969
31 Mar 2430,4304,3393,8102,994
31 Dec 2329,7714,2463,8682,973
30 Sep 2329,1283,7653,8873,025
30 Jun 2328,5564,0753,9453,087
31 Mar 2328,0752,7054,0983,159
31 Dec 2227,5182,4194,3563,253
30 Sep 2227,0532,2994,5533,227
30 Jun 2226,3892,0564,5933,181
31 Mar 2225,8213,5814,6343,112
31 Dec 2125,3714,1694,5593,038
30 Sep 2124,5694,9354,4972,974
30 Jun 2123,8464,8694,4242,893
31 Mar 2122,8695,2154,2002,778
31 Dec 2021,4544,2023,9312,642
30 Sep 2020,2993,1423,6292,468
30 Jun 2019,2182,5833,3722,327
31 Mar 2018,2621,8763,2212,179
31 Dec 1917,7722,4593,1122,085
30 Sep 1917,0372,5363,0712,017
30 Jun 1916,3422,5103,0561,936
31 Mar 1915,8942,2132,9751,894
31 Dec 1815,4512,0572,8551,831
30 Sep 1814,9692,0932,6711,608
30 Jun 1814,5252,0372,5431,396
31 Mar 1813,8041,9222,4181,187
31 Dec 1713,0941,7952,3701,740
30 Sep 1712,3311,5652,178901
30 Jun 1711,7591,5082,100876
31 Mar 1711,2731,4202,043853
31 Dec 1610,8421,4012,003834
30 Sep 1610,4171,3781,954827
30 Jun 1610,0081,3561,902809
31 Mar 169,6551,3381,841802
31 Dec 159,2481,2281,817792
30 Sep 158,8851,1471,744823

Guadagni di qualità: PYPL ha guadagni di alta qualità.

Margine di profitto in crescita: Gli attuali margini di profitto netti di PYPL (14.4%) sono inferiori rispetto allo scorso anno (14.5%).

Flusso di cassa libero e analisi degli utili

Analisi della crescita degli utili nel passato

Andamento degli utili: Gli utili di PYPL sono cresciuti del 7.6% all'anno negli ultimi 5 anni.

Accelerare la crescita: La crescita degli utili di PYPL nell'ultimo anno ( 4.8% ) è inferiore alla media quinquennale ( 7.6% all'anno).

Guadagni vs Settore: La crescita degli utili PYPL nell'ultimo anno ( 4.8% ) non ha superato quella del settore Diversified Financial 9.6%.

Rendimento del capitale proprio

ROE elevato: Il Return on Equity ( 24.7% ) di PYPL è considerato alto.

Rendimento delle attività

Rendimento del capitale investito

Scoprire le aziende con forti performance passate

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Analisi aziendale e situazione dei dati finanziari

DatiUltimo aggiornamento (ora UTC)
Analisi dell'azienda2026/08/10 21:15
Prezzo dell'azione a fine giornata2026/08/07 00:00
Utili2026/06/30
Utili annuali2025/12/31

Fonti dei dati

I dati utilizzati nella nostra analisi aziendale provengono da S&P Global Market Intelligence LLC. I seguenti dati sono utilizzati nel nostro modello di analisi per generare questo report. I dati sono normalizzati, il che può comportare un ritardo nella disponibilità della fonte.

PacchettoDatiTempisticaEsempio Fonte USA *
Dati finanziari della società10 anni
  • Conto economico
  • Rendiconto finanziario
  • Bilancio
Stime di consenso degli analisti+3 anni
  • Previsioni finanziarie
  • Obiettivi di prezzo degli analisti
Prezzi di mercato30 anni
  • Prezzi delle azioni
  • Dividendi, scissioni e azioni
Proprietà10 anni
  • Top azionisti
  • Insider trading
Gestione10 anni
  • Team di leadership
  • Consiglio di amministrazione
Sviluppi principali10 anni
  • Annunci aziendali

* Esempio per i titoli statunitensi, per i titoli non statunitensi si utilizzano forme e fonti normative equivalenti.

Se non specificato, tutti i dati finanziari si basano su un periodo annuale ma vengono aggiornati trimestralmente. Si tratta dei cosiddetti dati TTM (Trailing Twelve Month) o LTM (Last Twelve Month). Per saperne di più.

Modello di analisi e Snowflake

I dettagli del modello di analisi utilizzato per generare questo report sono disponibili sulla nostra pagina GitHub; abbiamo anche delle guide su come utilizzare i nostri report e dei tutorial su YouTube.

Scoprite il team di livello mondiale che ha progettato e realizzato il modello di analisi Simply Wall St.

Metriche di settore e industriali

Le nostre metriche di settore e di sezione sono calcolate ogni 6 ore da Simply Wall St; i dettagli del nostro processo sono disponibili su Github.

Fonti analitiche

PayPal Holdings, Inc. è coperta da 72 analisti. 42 di questi analisti ha fornito le stime di fatturato o di utile utilizzate come input per il nostro report. Le stime degli analisti vengono aggiornate nel corso della giornata.

AnalistaIstituzione
Oliver LesterArete Research Services LLP
Richard KramerArete Research Services LLP
Stephen BiggarArgus Research Company