PayPal Holdings (PYPL) Stock Overview
Operates a technology platform that enables digital payments for merchants and consumers worldwide. More details
| Snowflake Score | |
|---|---|
| Valuation | 5/6 |
| Future Growth | 1/6 |
| Past Performance | 6/6 |
| Financial Health | 5/6 |
| Dividends | 2/6 |
PYPL Community Fair Values
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Analyst Price Targets
Top Community Narratives
PayPal Holdings, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$46.49 |
| 52 Week High | US$79.50 |
| 52 Week Low | US$38.46 |
| Beta | 1.39 |
| 1 Month Change | 2.22% |
| 3 Month Change | 16.52% |
| 1 Year Change | -32.32% |
| 3 Year Change | -26.65% |
| 5 Year Change | -80.62% |
| Change since IPO | 26.64% |
Recent News & Updates
PayPal: Propping Up A Fallen Angel
May 05
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.Recent updates
PayPal: Propping Up A Fallen Angel
May 05PYPL: 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.
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.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.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.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.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.Why Investors Shouldn't Be Surprised By PayPal Holdings, Inc.'s (NASDAQ:PYPL) 31% Share Price Plunge
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.
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.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.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.
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.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.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.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.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.Weekly Picks: 💸 A fintech heavyweight with even more upside potential and 2 more picks
Sep 05
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.PayPal: Strong Results And A Massive Shareholder Yield
Apr 29PayPal: The Turnaround Is Under Threat
Apr 23The PayPal Dilemma: No Growth, No Returns - Time To Sell
Apr 16PayPal: This Selloff Is A Gift
Apr 08PayPal Is Cheap, Profitable, And About To Rebound (Rating Upgrade)
Mar 30PayPal: Big Investor Day Implications (Rating Upgrade)
Mar 19PayPal: Surrounded By Numerous Catalysts
Mar 13PayPal Is A Rare Value-Meets-Growth Opportunity
Mar 03PayPal: Beating Competition With Fastlane
Feb 25Why I'm Still Bullish Despite PayPal's Challenges
Feb 16PayPal: Buy The Meltdown
Feb 08
Narrative update from Richard Bowman
PayPal's Costs are Increasing While Lower Rates Become a HeadwindAs of November 2024PayPal’s revenue growth has continued to slow, tracking a slowdown in total payment volumes which are up 9% over thePayPal Q4 Preview: X Deal With Visa Is Big
Jan 31PayPal: Sell Before Reality Sets In (Technical Analysis)
Jan 16PayPal's Rally Shouldn't Stop In 2025
Jan 08
Narrative update from Stjepan Kalinic
PayPal acquired Honey Science Corp. for $4 billion in 2020. The company, which became a subsidiary of PayPal, is a browser extension business that applies coupon codes on e-commerce websites.PayPal: Positioned To Shine In 2025
Dec 26Revisiting PayPal Stock One Year After Buying: How Does It Look Now?
Dec 17PayPal: There Are Reasons To Be Optimistic, But It's Too Early To Buy
Dec 02PayPal: Near Doubling Upside Still Possible (Reiterate Buy)
Nov 23Why PayPal’s Growth Story Isn’t Over
As PayPal (PYPL) solidifies its position in the digital payments landscape, it presents a promising opportunity driven by transaction growth, profitability, and an attractive valuation. This analysisPayPal: Expecting Sharp Growth Slowdown Amid Weak Volume And Declining Take Rate (Rating Downgrade)
Nov 13PayPal: Paying It Forward For Profitable Growth - Upgrading To A Buy
Nov 06Shareholder Returns
| PYPL | US Diversified Financial | US Market | |
|---|---|---|---|
| 7D | -8.7% | -0.6% | 1.8% |
| 1Y | -32.3% | -10.3% | 29.8% |
Return vs Industry: PYPL underperformed the US Diversified Financial industry which returned -10.3% over the past year.
Return vs Market: PYPL underperformed the US Market which returned 29.8% over the past year.
Price Volatility
| PYPL volatility | |
|---|---|
| PYPL Average Weekly Movement | 5.5% |
| Diversified Financial Industry Average Movement | 6.4% |
| Market Average Movement | 7.1% |
| 10% most volatile stocks in US Market | 16.1% |
| 10% least volatile stocks in US Market | 3.2% |
Stable Share Price: PYPL has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: PYPL's weekly volatility (5%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1998 | 23,800 | Enrique Lores | www.paypal.com |
PayPal Holdings, Inc. operates a technology platform that enables digital payments for merchants and consumers worldwide. The company operates a two-sided network at scale that connects merchants and consumers that enables its customers to connect, transact, and send and receive payments through online and in person, as well as transfer and withdraw funds using various funding sources, such as bank accounts, PayPal or Venmo account balance, consumer credit and debit products, credit and debit cards, and cryptocurrencies, as well as other stored value products, including gift cards and eligible rewards. It provides payment solutions under the PayPal, PayPal Credit, Braintree, Venmo, Xoom, Hyperwallet, Honey, and Paidy names.
PayPal Holdings, Inc. Fundamentals Summary
| PYPL fundamental statistics | |
|---|---|
| Market cap | US$41.82b |
| Earnings (TTM) | US$5.23b |
| Revenue (TTM) | US$33.17b |
8.0x
P/E Ratio1.3x
P/S RatioIs PYPL overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| PYPL income statement (TTM) | |
|---|---|
| Revenue | US$33.17b |
| Cost of Revenue | US$19.41b |
| Gross Profit | US$13.76b |
| Other Expenses | US$8.53b |
| Earnings | US$5.23b |
Last Reported Earnings
Dec 31, 2025
Next Earnings Date
n/a
| Earnings per share (EPS) | 5.82 |
| Gross Margin | 41.48% |
| Net Profit Margin | 15.78% |
| Debt/Equity Ratio | 57.2% |
How did PYPL perform over the long term?
See historical performance and comparisonDividends
1.2%
Current Dividend Yield5%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/05/06 01:33 |
| End of Day Share Price | 2026/05/05 00:00 |
| Earnings | 2025/12/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
PayPal Holdings, Inc. is covered by 75 analysts. 43 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Richard Kramer | Arete Research Services LLP |
| Oliver Lester | Arete Research Services LLP |
| Stephen Biggar | Argus Research Company |