PYPL - PayPal Holdings, Inc.

PYPL

$49.57 +1.60 (+3.34%) Last updated: Apr 16, 2026 00:41

52-Week Range

$49.57

$38.46 $49.57 $79.50

Fundamentals Overview

PayPal Holdings, Inc. is in the middle of its 52-week range with attractive valuation, trending upward today.

Valuation attractive

P/E 8.9 PEG 0.34 P/B 2.28 P/S 1.38

Intrinsic value (DCF)

+115.8% upside vs price

Profitability

Net margin 15.8%

Risk (Beta)

1.41 — higher vol

Earnings & growth

EPS $5.57 Rev +3.1% Profit +15.1% vs prior qtr

BullzEye Analysis

Our composite tilts Hold on technicals (e.g. RSI, ADX, trend), fundamentals, sentiment, sector and index context, and risk.

Composite Signal

Sell

Buy

Hold — 55% confidence Risk: High Volatility — Beta 1.41. Consider smaller position size due to higher beta.

Supporting (Buy):

DCF +115.8% upside vs price · Analyst grade: A

Pressures (Sell):

Sentiment weakening (8 downgrades) · 3M vs S&P 500: -14.2% · 3M vs Financial Services sector: -7.8% · Beta 1.41 (elevated)

Not financial advice. For education and research only; do your own research and consider a financial advisor before investing.

Key Stats

Market Cap

$45.64B

P/E (TTM)

8.89

EPS (TTM)

$5.57

Dividend Yield

0.56%

52-Week Range

$38.46 - $79.50

Volume vs Avg

N/A

Beta

1.41

About

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 acc...

Sector: Financial Services

Headquarters: US

Employees: 24,400

IPO Date: Jul 2015

Website: www.paypal.com

Beta: 1.41 (More volatile than market)

Ratings & Grades at a Glance

Overall rating: A. Recent institutional grades: majority downgrades. Current institutional positions: Equal Weight: 2, Hold: 2, In Line: 2, Market Perform: 1, Neutral: 13, Outperform: 4, Positive: 1, Sell: 3, Underweight: 2.

Financial story & AI narrative

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Valuation & Ratios

Valuation, liquidity, and profitability metrics are consolidated here (including ratios that previously appeared in the Financials story). Trailing (TTM) vs forward-looking (e.g. DCF) is noted on each line where it matters.

DCF vs price: DCF estimate is $106.95; current price is $49.57. That’s a +115.8% gap. When the gap is large (e.g. >20%), that’s divergence; when they’re close, that’s convergence. Differences can reflect growth expectations, sector premiums, or conservative vs. optimistic assumptions. Use DCF as one input alongside technicals and sentiment.

Metric	Value
Valuation
P/E (TTM)	8.89
DCF value (model)	$106.95 (115.8% upside)
PEG (TTM)	0.34
P/B (TTM)	2.28
P/S (TTM)	1.38
P/FCF (TTM)	8.2
Liquidity & enterprise
Current Ratio (TTM)	1.29
Quick Ratio (TTM)	1.29
Cash Ratio (TTM)	0.17
Profitability
ROE (TTM)	N/A
ROA (TTM)	N/A
Revenue growth (YoY)	N/A
Net margin (TTM)	15.78%
Gross margin (TTM)	46.62%
Operating margin (TTM)	18.28%
Debt to equity (TTM)	N/A

Latest News

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Price Target, Ratings & Grades

Analyst price targets, consensus, rating snapshot, and institutional grades for PYPL.

Analyst Sentiment at a Glance

A Sentiment Weakening

Equal Weight 2Hold 2In Line 2Market Perform 1Neutral 13Outperform 4Positive 1Sell 3Underweight 2

0 upgrades, 8 downgrades

Price Target Consensus

Current $49.57

Median $51.00

Consensus $53.05

Low consensus $34.00

High consensus $87.00

Stock Grades (Institutions)

Institution	Action	Previous Grade	New Grade	Date
Citigroup	maintain	Neutral	Neutral	2026-04-08
KGI Securities	downgrade	Outperform	Neutral	2026-03-02
Truist Securities	maintain	Sell	Sell	2026-02-10
Cantor Fitzgerald	maintain	Neutral	Neutral	2026-02-09
Goldman Sachs	maintain	Sell	Sell	2026-02-04
JP Morgan	maintain	Neutral	Neutral	2026-02-04
Wells Fargo	maintain	Equal Weight	Equal Weight	2026-02-04
Citigroup	maintain	Neutral	Neutral	2026-02-04
Needham	maintain	Hold	Hold	2026-02-04
Canaccord Genuity	downgrade	Buy	Hold	2026-02-04
Morgan Stanley	maintain	Underweight	Underweight	2026-02-04
Citizens	downgrade	Market Outperform	Market Perform	2026-02-04
Evercore ISI Group	maintain	In Line	In Line	2026-02-04
Macquarie	maintain	Outperform	Outperform	2026-02-04
BTIG	maintain	Neutral	Neutral	2026-02-03
Macquarie	maintain	Outperform	Outperform	2026-02-03
Piper Sandler	maintain	Neutral	Neutral	2026-01-14
Daiwa Capital	downgrade	Outperform	Neutral	2026-01-13
Susquehanna	maintain	Positive	Positive	2026-01-08
Citigroup	maintain	Neutral	Neutral	2026-01-05
Mizuho	maintain	Outperform	Outperform	2025-12-22
Morgan Stanley	downgrade	Equal Weight	Underweight	2025-12-18
Baird	downgrade	Outperform	Neutral	2025-12-12
B of A Securities	downgrade	Buy	Neutral	2025-12-11
Wells Fargo	maintain	Equal Weight	Equal Weight	2025-12-09
Evercore ISI Group	maintain	In Line	In Line	2025-12-08
JP Morgan	downgrade	Overweight	Neutral	2025-12-04
Truist Securities	maintain	Sell	Sell	2025-11-04
Keefe, Bruyette & Woods	maintain	Outperform	Outperform	2025-10-29
UBS	maintain	Neutral	Neutral	2025-10-29