PYPL$67.2
$67.12
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Performance
Key Stats
AI PYPL Summary
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Powered by LiveAIOverall Analysis
BuyPayPal Holdings, Inc. (PYPL) demonstrates strong fundamental growth and profitability, with positive thematic tailwinds in digital payments. Technical indicators suggest a mixed short-term outlook, necessitating a balanced approach for investors.
Thematic
PYPL is well-positioned to benefit from the ongoing secular growth in digital and mobile payments, cross-border transactions, and the increasing adoption of buy-now-pay-later (BNPL) services.
Fundamental
PYPL shows robust revenue growth and improving profitability, supported by a solid balance sheet and strong free cash flow generation. Valuation multiples are reasonable given its market position.
Technical
PYPL is trading below its longer-term moving averages, indicating a bearish trend. While some short-term indicators suggest a potential bounce, overall momentum appears weak.
| Factor | Score |
|---|---|
| Digital Payment Adoption | 95 |
| Cross-Border Transactions | 85 |
| E-commerce Integration | 90 |
| Financial Technology Innovation | 80 |
| Regulatory Landscape | 75 |
| Factor | Score |
|---|---|
| Valuation | 70 |
| Profitability | 75 |
| Growth | 80 |
| Balance Sheet Health | 70 |
| Cash Flow | 85 |
| Factor | Score |
|---|---|
| Trend Analysis | 40 |
| Momentum | 60 |
| Volume Confirmation | 70 |
| Support & Resistance | 75 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Consistent EPS Beats
The company has consistently beaten earnings per share (EPS) estimates for the last several quarters, with reported EPS exceeding estimates by an average of 9.2%.
Reasonable P/E Ratio
The trailing twelve-month (TTM) Price-to-Earnings (P/E) ratio of 17.49 is below the industry average of 20.5, suggesting potential undervaluation relative to its peers.
Bearish Points (7)
High Price-to-Sales Ratio
The TTM Price-to-Sales (P/S) ratio of 3.2, while below its 2021 peak, is still significant and requires continued strong revenue performance to justify.
Slightly Declining Net Margin
The net margin has seen a slight decrease from 16.4% in 2021 to an estimated 13.0% in 2024, indicating potential pressure on profitability.
Calendar
July 2025
29
Next Earnings Date
H: $1.33
A: $1.30
L: $1.25
H: 8.23B
A: 8.08B
L: 7.90B
Profile
PayPal Holdings, Inc. operates a technology platform that enables digital payments for merchants and consumers worldwide. It 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 products, credit and debit cards, and cryptocurrencies, as well as other stored value products, including gift cards and eligible rewards. The company provides payment solutions under the PayPal, PayPal Credit, Braintree, Venmo, Xoom, Zettle, Hyperwallet, Honey, and Paidy names. The company was founded in 1998 and is headquartered in San Jose, California.
Seasonals
Price Target
82.69 USD
The 39 analysts offering 1 year price forecasts for PYPL have a max estimate of 120.00 and a min estimate of 49.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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