Keybank National Association OH Grows Position in PayPal Holdings, Inc. $PYPL

Key Points

• KeyBank National Association OH increased its PayPal stake by 27.4% in Q4, acquiring an additional 66,217 shares to own 308,077 shares valued at $17,986,000.
• PayPal announced a strategic reorganization into three operating units and made Venmo a standalone business, prompting takeover/asset‑monetization speculation that investors view as a potential catalyst.
• Insiders have been net sellers—87,608 shares worth $3,831,535 were sold in the past 90 days (insiders own 0.63%)—while analysts remain mixed, with a consensus Hold rating and an average price target of $56.55 after a recent quarterly earnings miss.

Keybank National Association OH increased its holdings in PayPal Holdings, Inc. (NASDAQ:PYPL - Free Report) by 27.4% in the fourth quarter, according to the company in its most recent disclosure with the Securities and Exchange Commission (SEC). The firm owned 308,077 shares of the credit services provider's stock after acquiring an additional 66,217 shares during the quarter. Keybank National Association OH's holdings in PayPal were worth $17,986,000 as of its most recent SEC filing.

Other hedge funds also recently added to or reduced their stakes in the company. Cloud Capital Management LLC purchased a new stake in PayPal in the third quarter worth about $30,000. Kelleher Financial Advisors purchased a new stake in PayPal in the third quarter worth about $30,000. Torren Management LLC purchased a new stake in PayPal in the fourth quarter worth about $31,000. True Wealth Design LLC lifted its stake in PayPal by 285.3% in the third quarter. True Wealth Design LLC now owns 524 shares of the credit services provider's stock worth $35,000 after acquiring an additional 388 shares during the period. Finally, Dagco Inc. lifted its stake in PayPal by 1,250.0% in the third quarter. Dagco Inc. now owns 540 shares of the credit services provider's stock worth $36,000 after acquiring an additional 500 shares during the period. 68.32% of the stock is owned by hedge funds and other institutional investors.

Insiders Place Their Bets

In other news, EVP Frank Keller sold 29,581 shares of the stock in a transaction that occurred on Tuesday, March 3rd. The stock was sold at an average price of $46.02, for a total transaction of $1,361,317.62. Following the transaction, the executive vice president owned 51,567 shares in the company, valued at $2,373,113.34. This trade represents a 36.45% decrease in their position. The sale was disclosed in a filing with the SEC, which is available at the SEC website. Also, insider Suzan Kereere sold 13,515 shares of the stock in a transaction that occurred on Tuesday, March 3rd. The shares were sold at an average price of $46.02, for a total value of $621,960.30. Following the transaction, the insider owned 30,983 shares in the company, valued at $1,425,837.66. This trade represents a 30.37% decrease in their position. The disclosure for this sale is available in the SEC filing. In the last 90 days, insiders have sold 87,608 shares of company stock worth $3,831,535. Corporate insiders own 0.63% of the company's stock.

Analyst Upgrades and Downgrades

PYPL has been the subject of a number of recent research reports. BNP Paribas Exane boosted their target price on shares of PayPal from $41.00 to $43.50 and gave the stock a "neutral" rating in a report on Friday, April 10th. Stephens reduced their target price on shares of PayPal from $65.00 to $45.00 and set an "equal weight" rating for the company in a report on Wednesday, February 4th. Canaccord Genuity Group reiterated a "hold" rating and issued a $42.00 target price (down from $100.00) on shares of PayPal in a report on Wednesday, February 4th. Wells Fargo & Company reduced their target price on shares of PayPal from $67.00 to $48.00 and set an "equal weight" rating for the company in a report on Wednesday, February 4th. Finally, Monness Crespi & Hardt downgraded shares of PayPal from a "buy" rating to a "neutral" rating in a report on Monday, January 5th. Seven research analysts have rated the stock with a Buy rating, thirty-three have assigned a Hold rating and five have issued a Sell rating to the company's stock. Based on data from MarketBeat.com, the stock has a consensus rating of "Hold" and an average price target of $56.55.

Key PayPal News

Here are the key news stories impacting PayPal this week:

• Positive Sentiment: Company announces strategic reorganization into three operating units (Checkout & PayPal; Consumer Financial Services & Venmo; Payment Services & Crypto) and five leadership appointments — a simplification intended to speed decision‑making and growth, which investors view as a catalyst to improve execution and unlock value. PayPal Announces Strategic Reorganization to Accelerate Growth
• Positive Sentiment: Venmo is being carved out as a standalone business unit — this increases transparency on Venmo’s performance and raises the possibility of a future sale or strategic partnership, a potential near‑term value catalyst for shareholders. PayPal makes Venmo a separate unit as CEO Lores looks to boost growth
• Positive Sentiment: Market takeover interest and buyer speculation (including reports of Stripe interest) amplify the reorg headlines — separation of Venmo makes asset monetization or targeted deals easier, supporting upside psychology. PayPal to make Venmo separate business, CNBC reports
• Positive Sentiment: Partnership/integration wins: PayPal’s Store Sync integration with BigCommerce expands merchant reach and AI-enabled checkout/discovery channels, supporting merchant revenue opportunities. Commerce Announces Integration of PayPal’s Store Sync to Enable AI-Powered Discovery and Checkout for BigCommerce Merchants
• Positive Sentiment: U.S. Treasury adds PayPal/Venmo as accepted payment options for debt payments — a small but high‑visibility endorsement that can widen transaction flows and brand credibility. U.S. Treasury Taps PayPal (PYPL) to Fight $39 Trillion National Debt
• Neutral Sentiment: Analyst coverage and ratings remain mixed — some firms are cautious about PYPL’s near‑term growth and margins even as others highlight valuation; watch upcoming guidance and the first earnings under the new CEO. PayPal Holdings (PYPL) Receives a New Rating from BMO Capital
• Negative Sentiment: Near‑term earnings pressure: analysts expected Q1 revenue/earnings headwinds (recent quarter missed EPS and revenue estimates), and previews suggest an earnings decline is possible — a risk to sentiment if results or guidance disappoint. Earnings Preview: Paypal (PYPL) Q1 Earnings Expected to Decline
• Negative Sentiment: Structural/competitive concerns: commentary about “agentic” shopping and ad/ID initiatives highlights potential threats and execution risk as PayPal expands into ads and financial services beyond core payments. PayPal Profit Engine Could Be Threatened By Agentic Shopping Revolution

PayPal Trading Up 2.6%

PayPal stock opened at $50.94 on Thursday. The company has a current ratio of 1.29, a quick ratio of 1.29 and a debt-to-equity ratio of 0.49. PayPal Holdings, Inc. has a 12 month low of $38.46 and a 12 month high of $79.50. The stock's 50 day simple moving average is $46.46 and its two-hundred day simple moving average is $54.66. The firm has a market cap of $45.83 billion, a PE ratio of 9.42, a P/E/G ratio of 1.43 and a beta of 1.40.

PayPal (NASDAQ:PYPL - Get Free Report) last released its quarterly earnings data on Tuesday, February 3rd. The credit services provider reported $1.23 EPS for the quarter, missing the consensus estimate of $1.29 by ($0.06). PayPal had a return on equity of 25.42% and a net margin of 15.77%.The company had revenue of $8.68 billion during the quarter, compared to analysts' expectations of $8.82 billion. During the same quarter in the prior year, the company posted $1.19 EPS. The company's revenue for the quarter was up 4.0% on a year-over-year basis. Analysts anticipate that PayPal Holdings, Inc. will post 5.32 earnings per share for the current year.

PayPal Dividend Announcement

The business also recently disclosed a quarterly dividend, which was paid on Wednesday, March 25th. Shareholders of record on Wednesday, March 4th were given a $0.14 dividend. This represents a $0.56 annualized dividend and a yield of 1.1%. The ex-dividend date was Wednesday, March 4th. PayPal's dividend payout ratio is currently 10.35%.

About PayPal

PayPal Holdings, Inc operates a global digital payments platform that enables consumers and merchants to send and receive payments online, on mobile devices and at the point of sale. The company provides a broad set of payment solutions, including a digital wallet, merchant payment processing, checkout services, invoicing and fraud-management tools. PayPal's platform is designed to support e-commerce, in-person retail and person-to-person transfers, targeting both individual consumers and businesses of varying sizes.

Key products and services in PayPal's portfolio include the PayPal wallet and checkout ecosystem, the Venmo peer-to-peer mobile app, Braintree's developer-focused payment gateway, Xoom for international money transfers, and PayPal Credit and buy-now-pay-later options.

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