PayPal (PYPL) Stock Price, News & Analysis

Company Overview

PayPal Holdings, Inc. is a leading global digital payments platform that enables individuals and businesses to send and receive payments electronically. The company’s core offerings include its flagship PayPal wallet, which allows users to pay online, send money to friends and family, and securely store payment information. In addition to its primary wallet service, PayPal provides localized solutions such as Venmo in the United States, PayPal Credit for consumer financing, Braintree and Hyperwallet for merchant payment processing, and Xoom for cross-border money transfers.

PayPal’s services cater to a range of customers, from small- and medium-sized enterprises seeking seamless integration of online checkout capabilities to large retailers and marketplaces requiring scalable payment infrastructure. Its platform supports transactions in multiple currencies and integrates fraud detection and buyer protection tools, helping merchants reduce payment risk and improve conversion rates. Through developer-friendly APIs and partnerships with e-commerce platforms, PayPal continues to expand its suite of value-added services, including invoicing, subscription billing, and merchant working capital solutions.

The company traces its origins back to 1998 when it was founded as Confinity, a digital wallet company, before merging with X.com, an online banking venture founded by Elon Musk. Renamed PayPal, it went public in 2002 and was acquired by eBay later that year. In July 2015, PayPal was spun off as an independent publicly traded company. Since the spin-off, PayPal has pursued strategic acquisitions and product innovations to reinforce its position in the fast-growing digital payments sector.

Headquartered in San Jose, California, PayPal operates in over 200 markets globally, serving tens of millions of active accounts. Its leadership team is led by President and Chief Executive Officer Dan Schulman, under whose tenure the company has focused on broadening financial inclusion and enhancing cross-border commerce capabilities. With a network that spans consumers, merchants, and developers, PayPal continues to invest in new technologies such as cryptocurrencies and buy-now-pay-later offerings to address evolving payment trends worldwide.

Key Stats

• Today's Range: $69.64 to $69.64
• 50-Day Range: $67.08 to $78.22
• 52-Week Range: $55.85 to $93.66
• Volume: 17,474 shs
• Average Volume: 10.98 million shs
• Market Capitalization: $66.10 billion
• P/E Ratio: 14.79
• Dividend Yield: N/A
• Price Target: $85.00
• Consensus Rating: Hold

PayPal Stock Analysis - MarketRank™

PayPal scored higher than 91% of companies evaluated by MarketBeat, and ranked 26th out of 313 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 2.45, and is based on 17 buy ratings, 14 hold ratings, and 2 sell ratings.

Amount of Analyst Coverage

PayPal has been the subject of 11 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 14.88, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 271.74.

Price to Earnings Ratio vs. Sector

The P/E ratio of PayPal is 14.88, which means that it is trading at a less expensive P/E ratio than the Business Services sector average P/E ratio of about 26.89.

Price to Earnings Growth Ratio

PayPal has a PEG Ratio of 1.08. 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 3.29. 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

3.16% 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 2.9, 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 0.20%, indicating that investor sentiment is decreasing.

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

3.16% 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 2.9, 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 0.20%, indicating that investor sentiment is decreasing.

News and Social Media

• Score: 2.3 / 5
• News Sentiment: 1.07

News Sentiment

PayPal has a news sentiment score of 1.07. 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 0.74 average news sentiment score of Business Services companies.

News Coverage This Week

MarketBeat has tracked 74 news articles for PayPal this week, compared to 75 articles on an average week.

Search Interest

Only 73 people have searched for PYPL on MarketBeat in the last 30 days. This is a decrease of -48% compared to the previous 30 days.

MarketBeat Follows

Only 62 people have added PayPal to their MarketBeat watchlist in the last 30 days. This is a decrease of -45% 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 $1,909,636.00 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 on January 1st, 2025. Since then, PYPL shares have decreased by 18.4% and is now trading at $69.64.

How were PayPal's earnings last quarter?

PayPal Holdings, Inc. (NASDAQ:PYPL) released its earnings results on Tuesday, July, 29th. The credit services provider reported $1.40 EPS for the quarter, topping analysts' consensus estimates of $1.30 by $0.10. The credit services provider had revenue of $8.29 billion for the quarter, compared to the consensus estimate of $8.08 billion. PayPal had a net margin of 14.49% and a trailing twelve-month return on equity of 25.35%.
Read the conference call transcript.

Does PayPal have any subsidiaries?

The following companies are subsidiaries of PayPal: HONEY, gopay, Simility, hyperWALLET Systems, Jetlore, iZettle, Swift Capital, and others.

Who are PayPal's major shareholders?

Top institutional investors of PayPal include Vanguard Group Inc. (9.02%), State Street Corp (4.56%), Geode Capital Management LLC (2.30%) and Norges Bank (1.30%). 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: 7/29/2025
• Today: 9/04/2025
• Next Earnings (Estimated): 11/04/2025
• 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: $85.00
• High Price Target: $107.00
• Low Price Target: $56.00
• Potential Upside/Downside: +22.1%
• Consensus Rating: Hold
• Rating Score (0-4): 2.45
• Research Coverage: 33 Analysts

Profitability

• EPS (Trailing Twelve Months): $4.68
• Trailing P/E Ratio: 14.88
• Forward P/E Ratio: 13.84
• P/E Growth: 1.08
• Net Income: $4.15 billion
• Net Margins: 14.49%
• Pretax Margin: 18.12%
• Return on Equity: 25.35%
• Return on Assets: 6.30%

Debt

• Debt-to-Equity Ratio: 0.56
• Current Ratio: 1.33
• Quick Ratio: 1.33

Sales & Book Value

• Annual Sales: $31.80 billion
• Price / Sales: 2.09
• Cash Flow: $5.55 per share
• Price / Cash Flow: 12.55
• Book Value: $21.15 per share
• Price / Book: 3.29

Miscellaneous

• Outstanding Shares: 955,380,000
• Free Float: 954,614,000
• Market Cap: $66.53 billion
• Optionable: Optionable
• Beta: 1.43