PayPal Holdings, Inc.

PYPL Financial Services Financial - Credit Services NASDAQ

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$49.75

$-1.47 (-2.87%)

Open: $50.74 | High: $50.88 | Low: $49.17 | Prev Close: Prev Close: $51.22

Market Cap: $45.80B

Volume: 11.5M | Avg: 23.4M

Last updated: April 24, 2026 at 08:03 AM
Investment Rating
A-

Buy

Overall Score: 80/100

Rating Breakdown:
DCF Score 4/5
80%
Buy
ROE Score 5/5
100%
Strong Buy
ROA Score 5/5
100%
Strong Buy
D/E Score 2/5
40%
Sell
P/E Score 3/5
60%
Neutral
P/B Score 1/5
20%
Strong Sell
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Stock Score Analysis
C

Stock Score: 645

Comprehensive Quality Assessment

Component Breakdown:
Efficiency 45
Financial Health 80
Growth 70
Market Sentiment 20
Risk 50
Lower is better
Valuation 60
Momentum 20
View Full Stock Score Dashboard
Valuation Metrics
Valuation Ratios
P/E Ratio 9.20
P/B Ratio 2.29
P/S Ratio 1.38
EPS $5.41
Beta 1.41
Shares Outstanding 920.66M
Price Range & Moving Averages
52-Week High $79.50
52-Week Low $38.46
SMA 50 $45.58
SMA 200 $59.99
Dividend Information
Dividend Yield 1.13%
Annual Dividend $0.56
Earnings
Next Earnings May 05, 2026 12:30 PM ET
Financial Ratios
Margins
Gross Margin 46.6%
Operating Margin 18.3%
Net Margin 15.8%
Returns
ROE 25.9%
ROA 6.5%
Liquidity & Leverage
Debt/Equity 0.49
Current Ratio 1.29
Quick Ratio 1.29
Balance Sheet
Total Assets $80.17B
Total Liabilities $59.92B
Total Equity $20.26B
Cash $8.05B
Total Debt $9.99B
Net Debt $1.94B
Income Statement
Revenue $33.17B
Gross Profit $15.46B
Operating Income $6.07B
Net Income $5.23B
EBITDA $7.70B
Revenue/Share $35.63
Cash Flow
Operating CF $6.42B
CapEx $852.00M
Free Cash Flow $5.56B
Book Value/Share $21.76
Tangible Book/Share $9.86
Equity/Share $21.76
Technical Indicators
RSI (14) 70.78 Overbought
MACD
1.37 Signal: 0.89
Volatility 34.43%
Trading Signal Overbought
Performance & Returns
Total Returns
1 Year -33.69%
Risk-Adjusted Returns
Sharpe Ratio -1.11 Poor
Volatility (Ann.) 42.15% High Risk
vs S&P 500 (SPY)
PYPL (1Y) -33.69%
S&P 500 (1Y) +14.41%
Alpha (Excess Return) -48.1%
Risk-free rate: 4.5% (3-month US Treasury) • Based on 199 trading days
Sector Comparison (Financial Services)
Compared to 151 peers in Financial Services
Metric PYPL Sector Avg Percentile
P/E Ratio 9.2 48.62 10%
P/B Ratio 2.29 4.27 54%
ROE (%) 25.87% 20.43% 80%
Net Margin (%) 15.78% 18.83% 44%
Stock Score 645 445.0 95%
1Y Return (%) -33.69 % +6.79 % 5%
Percentile: 0% = worst in sector, 100% = best in sector
📊 Historical Price Analysis (Last 200 Days)

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Technical Analysis
Ticker Close SMA 5 SMA 8 SMA 13 SMA 50 SMA 200 RSI (14) MACD Volatility (%) Volume Signal SMA Decision
PYPL $49.75 $50.69 $50.03 $48.36 $45.49 $59.98 70.78 1.37 34.43% 11581351 Weak Short Bullish Stack
Candlestick Patterns

There wasn't any recognizable pattern for the PYPL stock

News Sentiment
Ticker Headline Sentiment Source URL
PYPL Must-Buy Stocks to Take Advantage of the Gig Economy's Popularity Neutral zacks.com Read More
PYPL PYPL vs. MA: Which Stock Is the Better Value Option? Neutral zacks.com Read More
PYPL Depressed Equities That May Be Worth Investigating Further Neutral seekingalpha.com Read More
PYPL Software Following PayPal's Footsteps Neutral seekingalpha.com Read More
PYPL PayPal Holdings, Inc. (PYPL) Is a Trending Stock: Facts to Know Before Betting on It Neutral zacks.com Read More
Recent Insider Trading
Date Insider Position Transaction Shares Price Value
2026-04-15 Webster Aaron officer: EVP, Global Chief Risk Officer SELL 3883 $47.97 $186268
2026-04-15 Scotti Diego officer: EVP, GM Consumer Group SELL 4750 $47.97 $227858
2026-04-15 Natali Chris officer: SVP, Chief Accounting Officer SELL 943 $47.97 $45236
2026-04-15 Keller Frank officer: EVP, GM, Large Ent & Mer Plat. SELL 907 $47.97 $43509
2026-03-15 Miller Jamie S officer: EVP, Chief Fin & Op Officer SELL 6129 $44.90 $275192
2026-03-15 Gill Michelle officer: EVP, GM, SMB & Financial Svcs SELL 5836 $44.90 $262036
Showing last 10 insider transactions. Green badges indicate purchases (bullish signal), red badges indicate sales.
Company Information

PayPal Holdings, Inc. operates a technology platform that enables digital payments on behalf of merchants and consumers worldwide. It provides payment solutions under the PayPal, PayPal Credit, Braintree, Venmo, Xoom, Zettle, Hyperwallet, Honey, and Paidy names. The company's payments platform allows consumers to send and receive payments in approximately 200 markets and in approximately 100 currencies, withdraw funds to their bank accounts in 56 currencies, and hold balances in their PayPal accounts in 25 currencies. PayPal Holdings, Inc. was founded in 1998 and is headquartered in San Jose, California.

CEO Enrique J. Lores
Employees 24400
Country US
IPO Date 2015-07-06
Exchange NASDAQ
Website https://www.paypal.com
Sector Financial Services
Industry Financial - Credit Services
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Rating Metrics Explained
DCF Score (Discounted Cash Flow)

Measures the intrinsic value of the stock based on projected future cash flows. A higher score indicates the stock is undervalued relative to its DCF valuation.

ROE Score (Return on Equity)

Evaluates how efficiently a company generates profit from shareholders' equity. Higher ROE indicates better profitability and management effectiveness.

ROA Score (Return on Assets)

Measures how efficiently a company uses its assets to generate profit. A higher ROA means better asset utilization and operational efficiency.

D/E Score (Debt-to-Equity)

Assesses the company's financial leverage and risk. Lower debt-to-equity ratios indicate less financial risk and better balance sheet health.

P/E Score (Price-to-Earnings)

Compares stock price to earnings per share. A lower P/E ratio may indicate the stock is undervalued, while a higher ratio could suggest overvaluation or growth expectations.

P/B Score (Price-to-Book)

Compares market price to book value per share. Lower P/B ratios may indicate undervaluation relative to the company's net asset value.

Rating Recommendations:

Each metric is scored on a scale of 1-5, where the scores are determined by comparing the company's performance against industry benchmarks and historical data:

  • Strong Buy (5/5): Excellent score - strong positive indicator
    • The metric significantly outperforms industry averages (top 20% of companies)
    • Indicates exceptional financial health or attractive valuation in that category
  • Buy (4/5): Good score - positive indicator
    • Above-average performance (top 40% of companies)
    • Shows strong fundamentals with room for improvement
  • Neutral (3/5): Average score - neutral indicator
    • Performance in line with industry median (middle 20%)
    • Neither significantly positive nor negative signal
  • Sell (2/5): Below average - negative indicator
    • Below-average performance (bottom 40% of companies)
    • Suggests weakness in this particular metric
  • Strong Sell (1/5): Poor score - strong negative indicator
    • Significantly underperforms industry (bottom 20%)
    • Indicates potential risk or overvaluation in that category
Note: The overall rating combines all six component scores to provide a comprehensive investment assessment. No single metric should be used in isolation for investment decisions.