Where it trades today
trading 34% of the way up its 52-week range
How the price has moved
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 trades at 9.9x earnings versus 12.5x for the sector, which means the rerating case depends on proving the discount is too harsh.
- Recent realized volatility is running around 52.0%, above the sector norm of 24.0%, so position sizing matters more than usual.
- PYPL remains in a bearish short-term trend and sits 33.8% below its high, which raises the bar for any thesis that depends on fast multiple expansion.
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
- A recovery in price alone would not be enough to improve the view; the thesis needs confirmation from improving business or valuation signals.
- 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: Sep 18, 2026, 10:56 PM.
- 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 $57.07 versus $52.41 today (+8.9%). 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.
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
PayPal Holdings trades at $52.41, 33.8% below its 52-week high. With a beta of 1.29, it shows more sensitivity to what the wider market does.
Questions people ask about it
Is PYPL a good buy right now?
PayPal Holdings trades at 9.9x earnings. This is below market average, potentially undervalued. Current risk level is Very High based on 52.0% volatility.
Does PYPL pay dividends?
Yes, PayPal Holdings offers a dividend yield of 1.06%. That is roughly $0.56 per share a year.
How volatile is PYPL?
With 30-day annualized volatility of 52.0% and beta of 1.29, PYPL is classified as Very High risk. Expect larger swings than the broader market during volatile periods.
What is the analyst price target for PYPL?
The average analyst price target for PayPal Holdings (PYPL) is $57.07 based on 32 analyst estimates, about 8.9% above the current price of $52.41. 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.