PYPL
BULLISH
$45.23
Live
PayPal Holdings, Inc. · NASDAQ
Target $52.95
(+17.1%)
$38.46
52W Range
$79.5
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 01, 2026
Market cap
$42.32B
P/E
8.47
ROE
25.7%
Profit margin
15.8%
Debt/Equity
0.61
Dividend yield
1.24%
AI Analysis
AI-powered fundamental assessment
Confidence
70%
PYPL shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.
Key Strengths
Attractive valuation with P/E of 8.5
Strong ROE of 25.7%
Key Risks
Limited historical data available for full assessment
AI Fair Value Estimate
Based on comprehensive analysis
$157.53
+248.3% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
56
Moderate
75
60
70
50
25
AI Verdict
PYPL shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.
Key drivers: Attractive valuation with P/E of 8.5, Strong ROE of 25.7%, Limited historical data available for full assessment
Confidence
70%
Value
75/100
Rule-based valuation (P/E + Graham).
Positives
- Trades at attractive 8.5x trailing earnings.
- Trades below Graham Number.
Watchpoints
No urgent risks highlighted.
Future
60/100
Rule-based growth outlook.
Positives
- Growth-implied value exceeds price.
Watchpoints
No urgent risks highlighted.
Past
70/100
Historical performance + price trend: Shares moved -81.6% over 5Y and -30.3% over 1Y.
Positives
- ROE sits at 25.7%.
- Healthy profit margin of 15.8%.
Watchpoints
No urgent risks highlighted.
Health
50/100
Balance sheet & liquidity (Z-Score: N/A).
Positives
- Insufficient data for clear positives.
Watchpoints
No urgent risks highlighted.
Dividend
25/100
Dividend policy fallback.
Positives
- Yield: 1.2%.
Watchpoints
- Weak dividend profile (Score: 25/100).
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$45.23
Analyst Target
$52.95
Upside/Downside
+17.1%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for PYPL and closest competitors.
Updated 2026-03-31
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
PYPL
PayPal Holdings, Inc.
Primary
|
-81.6% | -40.1% | -30.3% | -32.2% | -0.6% | +2.3% |
|
BBD
Banco Bradesco S.A.
Peer
|
+19.4% | +73.1% | +112.8% | +41.2% | +17.6% | +11.9% |
|
MSCI
MSCI Inc.
Peer
|
+49.6% | +16.3% | -5.3% | -0.6% | +3.2% | -2.7% |
|
AIG
American International Group, Inc.
Peer
|
+82.5% | +60.1% | -11.0% | -4.0% | -6.3% | +0.1% |
|
BBDO
Banco Bradesco S.A.
Peer
|
+15.8% | +72.0% | +93.0% | +43.2% | +18.3% | +14.4% |
PYP
PayPal Holdings, Inc.
Primary
5Y
-81.6%
3Y
-40.1%
1Y
-30.3%
6M
-32.2%
1M
-0.6%
1W
+2.3%
BBD
Banco Bradesco S.A.
Peer
5Y
+19.4%
3Y
+73.1%
1Y
+112.8%
6M
+41.2%
1M
+17.6%
1W
+11.9%
MSC
MSCI Inc.
Peer
5Y
+49.6%
3Y
+16.3%
1Y
-5.3%
6M
-0.6%
1M
+3.2%
1W
-2.7%
AIG
American International Group, Inc.
Peer
5Y
+82.5%
3Y
+60.1%
1Y
-11.0%
6M
-4.0%
1M
-6.3%
1W
+0.1%
BBD
Banco Bradesco S.A.
Peer
5Y
+15.8%
3Y
+72.0%
1Y
+93.0%
6M
+43.2%
1M
+18.3%
1W
+14.4%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
8.47
Forward P/E
7.8
PEG Ratio
N/A
P/B Ratio
2.05
P/S Ratio
1.28
EV/Revenue
1.31
EV/EBITDA
6.54
Market Cap
$42.32B
Profitability
Profit margins and return metrics
Profit Margin
15.78%
Operating Margin
17.48%
Gross Margin
41.48%
ROE
25.73%
ROA
4.88%
Growth
Revenue and earnings growth rates
Revenue Growth
+3.7%
Earnings Growth
+39.4%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
+28.2%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.61
Moderate
Current Ratio
1.29
Good
Quick Ratio
0.24
Poor
Cash/Share
$11.32
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$8.7B
Gross Margin
46.5%
Op. Margin
18.3%
Net Margin
16.6%
Total Assets
$80.2B
Liabilities
$59.9B
Equity
$20.3B
Debt/Equity
2.96x
Operating CF
$2.4B
CapEx
$-0.2B
Free Cash Flow
$2.2B
FCF Yield
92%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-05-05
$N/A
2026-02-03
$1.53
+23.1% surprise
2025-10-28
$1.3
+14.5% surprise
2025-07-29
$1.29
+3.1% surprise
Financial Services Sector Comparison
Comparing PYPL against 820 companies in the Financial Services sector
(141 bullish, 351 neutral, 328 bearish)
P/E Ratio
8.47
This Stock
vs
36.01
Sector Avg
-76.5%
(Discount)
Return on Equity (ROE)
25.73%
This Stock
vs
-0.73%
Sector Avg
-3611.7%
(Below Avg)
Profit Margin
15.78%
This Stock
vs
91.62%
Sector Avg
-82.8%
(Weaker)
Debt to Equity
0.61
This Stock
vs
1.36
Sector Avg
-55.3%
(Less Debt)
Revenue Growth
3.7%
This Stock
vs
35.27%
Sector Avg
-89.5%
(Slower)
Current Ratio
1.29
This Stock
vs
3.18
Sector Avg
-59.5%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
PYPL
PayPal Holdings, Inc.
|
BULLISH | $42.32B | 8.47 | 25.7% | 15.8% | $45.23 | |
|
BBD
Banco Bradesco S.A.
|
NEUTRAL | $41.78B | 10.68 | 12.6% | 24.2% | $3.95 | Compare |
|
MSCI
MSCI Inc.
|
BULLISH | $43.08B | 35.84 | -% | 40.0% | $565.15 | Compare |
|
AIG
American International Group, Inc.
|
NEUTRAL | $40.79B | 13.92 | 7.4% | 11.6% | $75.59 | Compare |
|
BBDO
Banco Bradesco S.A.
|
BEARISH | $38.99B | 9.18 | 12.6% | 24.2% | $3.49 | Compare |
PYPL
PayPal Holdings, Inc.
BULLISH
Mkt Cap
$42.3B
P/E
8.5
ROE
25.7%
Price
$45.23
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-25 | HENRY ALYSSA | Director | Stock Award | 1,210 | - |
| 2026-03-13 | GILL MICHELLE | Officer | Stock Award | 12,005 | - |
| 2026-03-13 | MILLER JAMIE S | Chief Operating Officer | Stock Award | 12,005 | - |
| 2026-03-03 | NATALI CHRIS | Officer | Sale | 2,208 | $98,764 |
| 2026-03-03 | KELLER FRANK | Officer | Sale | 29,581 | $1,361,370 |
| 2026-03-03 | KEREERE SUZAN | Officer | Sale | 13,515 | $621,984 |
| 2026-02-27 | KELLER FRANK | Officer | Stock Award | 33,402 | - |
| 2026-02-27 | KEREERE SUZAN | Officer | Stock Award | 27,610 | - |
| 2026-02-27 | NATALI CHRIS | Officer | Stock Award | 4,501 | - |
| 2026-02-27 | GILL MICHELLE | Officer | Stock Award | 27,610 | - |
| 2026-02-27 | WEBSTER AARON JAMES | Officer | Stock Award | 18,407 | - |
| 2026-02-27 | SCOTTI DIEGO | Officer | Stock Award | 27,610 | - |
| 2026-02-27 | MILLER JAMIE S | Chief Operating Officer | Stock Award | 29,656 | - |
| 2026-02-27 | KELLER FRANK | Officer | Stock Award | 32,783 | - |
| 2026-02-18 | KEREERE SUZAN | Officer | Sale | 37,613 | $1,560,409 |
HENRY ALYSSA
Director
2026-03-25
1,210 shares
GILL MICHELLE
Officer
2026-03-13
12,005 shares
MILLER JAMIE S
Chief Operating Officer
2026-03-13
12,005 shares
NATALI CHRIS
Officer
2026-03-03
2,208 shares
·
$98,764
KELLER FRANK
Officer
2026-03-03
29,581 shares
·
$1,361,370
KEREERE SUZAN
Officer
2026-03-03
13,515 shares
·
$621,984
KELLER FRANK
Officer
2026-02-27
33,402 shares
KEREERE SUZAN
Officer
2026-02-27
27,610 shares
NATALI CHRIS
Officer
2026-02-27
4,501 shares
GILL MICHELLE
Officer
2026-02-27
27,610 shares
WEBSTER AARON JAMES
Officer
2026-02-27
18,407 shares
SCOTTI DIEGO
Officer
2026-02-27
27,610 shares
MILLER JAMIE S
Chief Operating Officer
2026-02-27
29,656 shares
KELLER FRANK
Officer
2026-02-27
32,783 shares
KEREERE SUZAN
Officer
2026-02-18
37,613 shares
·
$1,560,409
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
HOLD
32 analysts
Loop Capital
2026-03-31
Hold
KGI Securities
2026-03-02
Outperform
Neutral
Truist Securities
2026-02-10
Sell
Sell
Cantor Fitzgerald
2026-02-09
Neutral
Neutral
Macquarie
2026-02-04
Outperform
Outperform
Morgan Stanley
2026-02-04
Underweight
Underweight
Goldman Sachs
2026-02-04
Sell
Sell
Citigroup
2026-02-04
Neutral
Neutral
JP Morgan
2026-02-04
Neutral
Neutral
Citizens
2026-02-04
Market Outperform
Market Perform
Past News Coverage
Recent headlines mentioning PYPL from our newsroom.
Newest → oldest
No matching news yet.