Key facts, as of
As of October 13, 2026, PayPal Holdings (PYPL) trades at $56.05, down 19.7% over the past year. Its 52-week range runs from $38.46 to $79.22; the price is 29.2% below that high. It is 81.9% below its all-time high of $310.16, reached in July 2021. Over the 10 years to the end of September 2026, with dividends reinvested, it returned +29.6%, against +312.9% for the S&P 500 (SPY). It sits 11.9% above its 200-day average of $50.11, the usual sign of a long-term uptrend. Its 30-day volatility is 24.8% annualized, which we rate medium risk. It has a trailing P/E of 10.7 and a dividend yield of 1.00%.
Cite: Portfolio Terminal, "PayPal Holdings (PYPL) stock analysis", 2026-10-13. https://portfolio-terminal.com/analyse/pypl
Where it trades today
trading 43% of the way up its 52-week range
How the price has moved
How far it is from its record
PayPal Holdings (PYPL) is 81.9% below its all-time high of $310.16, reached in July 2021. Over the 10 years to the end of September 2026, with dividends reinvested, it returned +29.6%, against +312.9% for the S&P 500 (SPY).
What to weigh before acting
What Matters Now
- Credit quality, deposit stability, and how management navigates the rate cycle usually drive the next rerating.
- PYPL is valued near its sector range at 10.7x earnings versus 12.5x for peers, so the next move likely needs a real earnings or guidance catalyst.
- PYPL carries a beta of 1.28, which means the stock should be judged on how it affects total portfolio swings, not just on standalone upside.
- Relative performance versus JPM, BAC, WFC matters here because leadership inside financial services rarely stays static for long.
Portfolio Use Case
- PYPL is more useful for investors comparing conviction names inside financial services than for someone looking for a passive “set and forget” holding.
- This name works better as a satellite or higher-conviction growth position because it can amplify market swings in both directions.
- The stock becomes more useful when paired with an explicit catalyst watchlist, because sector sentiment can shift quickly around policy, rates, or pipeline news.
What Would Change the View
- Volatility is already above the sector norm, so even a correct long-term thesis can be painful if the position size is too aggressive.
- The view would need revisiting if peers such as JPM, BAC, WFC start winning the marginal flow or posting cleaner operating momentum.
Methodology
- Price, market cap, beta, yield, and liquidity fields for PYPL come from Yahoo Finance quote and summary data.
- 30-day volatility is calculated from recent daily returns and annualized using a 252-trading-day convention.
- Sector context uses stored benchmark averages for Financial Services so each page compares the ticker against a stable peer baseline rather than against the whole market.
- Peer comparisons use the Portfolio Terminal coverage set and highlight nearby listed alternatives such as JPM, BAC, WFC.
Sources
- Yahoo Finance quote dataopen →
Live quote, valuation, beta, yield, and volume fields used for PYPL. Last refresh: Oct 13, 2026, 9:18 AM.
- Portfolio Terminal methodologyopen →
Explains how analytics, refresh cadence, and portfolio interpretation work across the product.
- Peer set and coverage context
Comparative context for this page is anchored around nearby tracked names such as JPM, BAC, WFC.
What PayPal Holdings does
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,…
What analysts expect
PYPL carries a hold consensus from 32 analysts, with an average price target of $56.89 versus $56.05 today (+1.5%). Targets are estimates and can move quickly after earnings.
Consensus aggregated by Yahoo Finance. Targets are estimates, not forecasts.
How the business is doing
PYPL generated $34.13B in trailing revenue (4.8% year over year), with a 14.4% net margin, and $4.42B of free cash flow, against $2.96B of net debt.
The numbers, year by year
| Fiscal year | Revenue | Gross profit | Operating income | Net income | EPS | Free cash flow |
|---|---|---|---|---|---|---|
| 2025 | $33.17B | $15.46B | $6.40B | $5.23B | $5.46 | $5.56B |
| 2024 | $31.80B | $14.66B | $5.76B | $4.15B | $4.03 | $6.77B |
| 2023 | $29.77B | $13.70B | $4.94B | $4.25B | $3.85 | $4.22B |
| 2022 | $27.52B | $13.77B | $4.04B | $2.42B | $2.10 | $5.11B |
When it reports next
Estimates aggregated by Yahoo Finance. Dates move and estimates change until the report lands.
Which ETFs hold it
PYPL is in 8 of the 30 ETFs we track. It weighs most in XLF: 0.58% of the fund, holding #37 of 76.
How it sits in financial services
Sector covering banks, insurance, asset management, and fintech companies.
The companies it competes with
PYPL beside the financial services names it is usually measured against.
What the chart is saying
Slipped under its 50-day average inside a longer uptrend.
weakening- Price is 0.3% below its 50-day average and 11.9% above its 200-day.
- The 50-day crossed above the 200-day on 2026-08-20 (a “golden cross”).
- RSI at 58 is neither stretched nor washed out.
- The nearest ceiling is $58.09 (+3.6%), the nearest floor $55.16 (-1.6%).
A description of the chart, not advice. Indicators describe what the price has done; none of them knows what it does next.
Questions people ask about it
Is PYPL a good investment in 2026?
PayPal Holdings trades at a P/E ratio of 10.7, with medium volatility (24.8% annualized). The stock is in a consolidation phase.
What is the risk level of PYPL?
Based on 30-day volatility of 24.8%, PYPL has MEDIUM risk. Beta of 1.28 indicates higher sensitivity to market movements than average.
Does PYPL pay dividends?
Yes, PayPal Holdings has a dividend yield of 1.00%.
How far is PYPL from its all-time high?
PayPal Holdings is 81.9% below its all-time high of $310.16, reached in July 2021. Over the 10 years to the end of September 2026, with dividends reinvested, it returned +29.6%, against +312.9% for the S&P 500 (SPY).
Which ETFs hold PYPL?
8 of the 30 popular ETFs we track hold PayPal Holdings. The largest weights: XLF (0.58%), QQQM (0.19%), QQQ (0.19%), VTV (0.11%) and IVV (0.07%). Measured on each issuer's full holdings file, dated August 31 to October 1, 2026.
How much of VOO is PYPL?
0.06%, as of August 31, 2026: PYPL is holding #261 of 505 in Vanguard's file for VOO. $1,000 in VOO puts about $0.63 in PayPal Holdings.
What is the analyst price target for PYPL?
The average analyst price target for PayPal Holdings (PYPL) is $56.89 based on 32 analyst estimates, about 1.5% above the current price of $56.05. The published range runs from $36.00 to $80.00.
How much revenue does PYPL generate?
PayPal Holdings reported $34.13B in trailing twelve-month revenue. Revenue growth is running at 4.8% year over year. Net margin sits at 14.4%. Figures are aggregated from company filings by Yahoo Finance and refresh on an hourly cadence.
Compare PYPL with anything
Five years side by side: what $10,000 became, how far each fell, whether they move together.