PayPal (PYPL) Stock Price, News & Analysis

Company Overview

PayPal Holdings, Inc. is a leading global digital payments platform that enables individuals and businesses to make and receive payments online, in person, and on mobile devices. The company traces its roots to 1998 when it was founded as Confinity, later merging with Elon Musk’s X.com in 2000. After being acquired by eBay in 2002, PayPal was spun off as an independent public company in 2015, positioning it to accelerate innovation in digital commerce and expand its footprint beyond the eBay marketplace.

For consumers, PayPal offers a versatile digital wallet that supports peer-to-peer money transfers, online checkouts, and in-app purchases. Its Venmo service has become a popular peer-to-peer payments app in the United States, helping users split bills, pay friends, and shop with approved merchants. PayPal’s consumer suite also includes Xoom for international money transfers and a range of credit and debit solutions such as PayPal Credit and PayPal Debit Mastercard, which cater to diverse payment preferences and credit profiles.

On the merchant side, PayPal provides businesses of all sizes with a comprehensive set of payment processing tools and software solutions. Through its Braintree and Hyperwallet subsidiaries, PayPal supports merchants in accepting online, mobile, and in-person payments, managing payouts, and integrating subscription billing. PayPal also offers advanced fraud protection, seller risk management and tailored financing options, helping businesses optimize conversion rates and scale their operations across multiple sales channels.

Today, PayPal serves more than 400 million active accounts across over 200 markets, supporting transactions in nearly 100 currencies. The company is headquartered in San Jose, California, and operates a network of regional offices around the world. Under the leadership of President and Chief Executive Officer Dan Schulman, PayPal continues to invest in emerging technologies—such as digital wallets, QR code payments and cryptocurrencies—with the aim of driving financial inclusion and expanding access to digital commerce for individuals and businesses globally.

Key Stats

• Today's Range: $74.13 to $76.22
• 50-Day Range: $65.41 to $76.41
• 52-Week Range: $55.85 to $93.66
• Volume: 6.38 million shs
• Average Volume: 10.83 million shs
• Market Capitalization: $73.62 billion
• P/E Ratio: 16.94
• Dividend Yield: N/A
• Price Target: $83.42
• Consensus Rating: Hold

PayPal Stock Analysis - MarketRank™

PayPal scored higher than 95% of companies evaluated by MarketBeat, and ranked 38th out of 304 stocks in the business services sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.2 / 5
• Analyst Rating: Hold

Consensus Rating

PayPal has received a consensus rating of Hold. The company's average rating score is 2.46, and is based on 18 buy ratings, 15 hold ratings, and 3 sell ratings.

Amount of Analyst Coverage

PayPal has been the subject of 15 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 11.93%

Earnings Growth

Earnings for PayPal are expected to grow by 11.93% in the coming year, from $5.03 to $5.63 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of PayPal is 16.94, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.14.

Price to Earnings Ratio vs. Sector

The P/E ratio of PayPal is 16.94, which means that it is trading at a less expensive P/E ratio than the Business Services sector average P/E ratio of about 24.43.

Price to Earnings Growth Ratio

PayPal has a PEG Ratio of 1.22. PEG Ratios above 1 indicate that a company could be overvalued.

Price to Book Value per Share Ratio

PayPal has a P/B Ratio of 3.67. P/B Ratios above 3 indicate that a company could be overvalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.85% of the float of PayPal has been sold short.

Short Interest Ratio / Days to Cover

PayPal has a short interest ratio ("days to cover") of 2.6, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in PayPal has recently increased by 7.15%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

PayPal does not currently pay a dividend.

Dividend Growth

PayPal does not have a long track record of dividend growth.

Sustainability and ESG

• Score: 3.2 / 5
• Environmental Score: -0.37

Percentage of Shares Shorted

2.85% of the float of PayPal has been sold short.

Short Interest Ratio / Days to Cover

PayPal has a short interest ratio ("days to cover") of 2.6, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in PayPal has recently increased by 7.15%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 3.5 / 5
• News Sentiment: 1.27

News Sentiment

PayPal has a news sentiment score of 1.27. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.61 average news sentiment score of Business Services companies.

News Coverage This Week

MarketBeat has tracked 41 news articles for PayPal this week, compared to 49 articles on an average week.

Search Interest

101 people have searched for PYPL on MarketBeat in the last 30 days. This is an increase of 33% compared to the previous 30 days.

MarketBeat Follows

79 people have added PayPal to their MarketBeat watchlist in the last 30 days. This is an increase of 8% compared to the previous 30 days.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, PayPal insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $863,028.00 in company stock.

Percentage Held by Insiders

Only 0.08% of the stock of PayPal is held by insiders.

Percentage Held by Institutions

68.32% of the stock of PayPal is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

PYPL Stock Analysis - Frequently Asked Questions

How have PYPL shares performed this year?

PayPal's stock was trading at $85.35 at the start of the year. Since then, PYPL shares have decreased by 11.3% and is now trading at $75.70.

How were PayPal's earnings last quarter?

PayPal Holdings, Inc. (NASDAQ:PYPL) announced its quarterly earnings data on Tuesday, April, 29th. The credit services provider reported $1.33 EPS for the quarter, beating analysts' consensus estimates of $1.16 by $0.17. The company's revenue for the quarter was up 1.2% compared to the same quarter last year.
Read the conference call transcript.

Does PayPal have any subsidiaries?

PayPal subsidiaries include these companies: HONEY, gopay, Simility, hyperWALLET Systems, Jetlore, iZettle, Swift Capital, and more.

Who are PayPal's major shareholders?

PayPal's top institutional investors include Swedbank AB (0.10%), Douglas Lane & Associates LLC (0.07%), Quintet Private Bank Europe S.A. (0.04%) and Gateway Investment Advisers LLC (0.04%). Insiders that own company stock include Daniel H Schulman, Daniel H Schulman, Jonathan Auerbach, Suzan Kereere, Peggy Alford, Gail J Mcgovern, Gabrielle Scheibe, Frank Keller, Diego Scotti and Deborah M Messemer.
View institutional ownership trends.

How do I buy shares of PayPal?

Shares of PYPL stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of PayPal own?

Based on aggregate information from My MarketBeat watchlists, some other companies that PayPal investors own include NVIDIA (NVDA), Meta Platforms (META), Advanced Micro Devices (AMD), Tesla (TSLA), Netflix (NFLX), Salesforce (CRM) and Walt Disney (DIS).

Company Calendar

• Last Earnings: 4/29/2025
• Today: 7/10/2025
• Next Earnings (Estimated): 7/29/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Business Services
• Industry: Financial Transaction Services
• Sub-Industry: Business Services
• Current Symbol: NASDAQ:PYPL
• Previous Symbol: NASDAQ:PYPL
• CIK: 1633917
• Web: www.paypal.com
• Phone: (408) 967-1000
• Fax: N/A
• Employees: 24,400
• Year Founded: 1998

Price Target and Rating

• Average Price Target for PayPal: $83.42
• High Price Target: $107.00
• Low Price Target: $56.00
• Potential Upside/Downside: +9.8%
• Consensus Rating: Hold
• Rating Score (0-4): 2.46
• Research Coverage: 37 Analysts

Profitability

• EPS (Trailing Twelve Months): $4.47
• Trailing P/E Ratio: 16.99
• Forward P/E Ratio: 15.10
• P/E Growth: 1.23
• Net Income: $4.15 billion
• Net Margins: 14.26%
• Pretax Margin: 17.95%
• Return on Equity: 24.59%
• Return on Assets: 6.06%

Debt

• Debt-to-Equity Ratio: 0.56
• Current Ratio: 1.30
• Quick Ratio: 1.30

Sales & Book Value

• Annual Sales: $31.89 billion
• Price / Sales: 2.32
• Cash Flow: $5.66 per share
• Price / Cash Flow: 13.42
• Book Value: $20.64 per share
• Price / Book: 3.68

Miscellaneous

• Outstanding Shares: 972,533,000
• Free Float: 971,755,000
• Market Cap: $73.88 billion
• Optionable: Optionable
• Beta: 1.45