PayPal Holdings stock
PYPLNASDAQPayPal Holdings, Inc., Financial ServicesISIN US70450Y1038
79Score 79 out of 100, Strong
Price and trend
88 / 100
Price history
−12% in one yearThe chart shows daily closes over 11 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 19% above it.
Since August 2026 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 57).
The price is 12% below its 52-week high. Largest decline in 11 years: 87% (July 2021 to February 2026).
Chart figures for advanced users
- SMA 50$55.49
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$50.09
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)57
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$39.08
- The lowest closing price of the last twelve months.
- Resistance$67.40
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- PayPal Holdings, Inc. belongs to the Financial (Credit Services) industry (United States) and, with a market value of $49.41B, is number 6 of 61 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $33.17B (up 4.3% year on year) and earnings of $5.23B (up 26.2%).
- For fiscal 2026, analysts expect on average revenue of $34.54B (up 4.1%) and adjusted earnings per share of $5.59 (up 5.4%).
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- MEQIRI Score 79 out of 100 (Strong): rank 113 of 976 in Financial Services, median 68.
- The P/E is 10.8 (Financial (Credit Services) median 11.8, own median of recent years 41.2).
- Our model puts fair value at $100.44, with the price 41% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Share buybacksShare count down 18% since 2020.Capital allocation 88
- Below fair valuePrice 41% below the fair value of $100.44.Valuation 83
- High return on capitalReturn on invested capital 25.7% in fiscal 2025, Financial (Credit Services) median 8.1%.Profitability 82
Weaknesses
None of our weakness checks flags anything. Crash risk is measured separately.
Its standout strengths are fundamentals and technical analysis.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
Fundamentals are strong, with stable profits and strong cash generation.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk low
How well MEQIRI warnsOne of the 30% with the lowest crash risk among stocks ranked 101 to 1,000.
From 2016 to 2025, 9 in 100 such stocks fell 30% or more within a year, against a group average of 15 in 100.
What lowers it
- solid fundamentals
Valuation
Valuation signal
Significantly undervaluedIn our model the price counts as cheap below $71.74 and expensive above $167.39 (uncertainty high, based on the price swings of the past year).
The two parts of the fair value come to $136.03 (cash-flow model) and $64.84 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is below both.
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $89.17, at 7.8% it would be $117.33.
Valuation metrics
Half from the cash-flow model, half from earnings times the industry P/E (11.8).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 4.4% on the twelve months before. Revenue has grown strongly since 2012, at around 15% per year.
Margins
- Gross margin
- Operating margin
- Net margin
In fiscal 2025: gross 47%, operating 18%, net 16%.
Debt & balance sheet
latest quarterThe balance sheet is solid, with moderate debt and comfortable interest coverage.
Earnings
- Next earnings
- 2 Feb 2027in 82 days
- Last reported
- 27 Oct 2026EPS reported $1.45 (expected $1.31)above expectations
Analyst estimates
Analysts have raised their 2026 earnings estimate by 3.7% since 15 Oct 2026.
- Earnings per share
- $5.59+3.7%
- Revenue
- $34.54B−0.6%
- Earnings per share
- $5.92+2.4%
- Revenue
- $35.96B−0.8%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook raised
Share price after the results: +2.8%PayPal raised its full-year outlook, now expecting transaction margin dollars of about $15.7 billion and non-GAAP EPS of about $5.60, plus higher cost savings targets with a run-rate above $700 million exiting the fourth quarter.
“We remain on track to achieve at least $1.5 billion in gross run-rate cost savings over the next two to three years and are increasing our expectations exiting the fourth quarter to a run-rate of more than $700 million.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 27 Oct 2026 (fiscal Q3 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
One insider bought on the open market in the last 6 months, $254,537 in total. 3 insiders sold, $1.44M in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- Keller FrankSale
28 Oct 2026, Pres., Checkout Sol. & PayPal
- Shares
- 732
- Price
- $55.37
- Value
- $40,531
- Natali ChrisSale
3 Sept 2026, SVP, Chief Accounting Officer
- Shares
- 552
- Price
- $54.80
- Value
- $30,250
- Kereere SuzanSale
3 Sept 2026, President, Global Markets
- Shares
- 3,379
- Price
- $55.72
- Value
- $188,283
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- Keller FrankSale
3 Sept 2026, Pres., Checkout Sol. & PayPal
- Shares
- 4,612
- Price
- $55.43
- Value
- $255,656
- Kereere SuzanSale
18 Aug 2026, President, Global Markets
- Shares
- 4,162
- Price
- $60.96
- Value
- $253,723
- Natali ChrisSale
29 Jul 2026, SVP, Chief Accounting Officer
- Shares
- 1,337
- Price
- $58.10
- Value
- $77,680
- Keller FrankSale
29 Jul 2026, Pres., Checkout Sol. & PayPal
- Shares
- 732
- Price
- $58.10
- Value
- $42,529
- Miller Jamie SPurchase
15 Jun 2026, Chief Fin & Op Officer
- Shares
- 6,129
- Price
- $41.53
- Value
- $254,537
- Natali ChrisSale
3 Jun 2026, SVP, Chief Accounting Officer
- Shares
- 552
- Price
- $42.65
- Value
- $23,543
- Kereere SuzanSale
3 Jun 2026, President, Global Markets
- Shares
- 3,379
- Price
- $42.79
- Value
- $144,579
- Keller FrankSale
3 Jun 2026, Pres., Checkout Sol. & PayPal
- Shares
- 4,612
- Price
- $42.54
- Value
- $196,194
- Kereere SuzanSale
19 May 2026, President, Global Markets
- Shares
- 4,162
- Price
- $44.20
- Value
- $183,944
Partial trades from one filing are shown in one row, with the average price.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at PayPal Holdings
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 79
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Financial (Credit Services)
The next larger and next smaller companies by market value
- MastercardMA $575.61B84
- American ExpressAXP $216.66B84
- Capital One FinancialCOF $118.57B67
- Bajaj FinanceBAJFINANCE.NS $71.63B78
- ORIXIX $36.88B66
- Global PaymentsGPN $26.52B60
- Shriram FinanceSHRIRAMFIN.NS $24.34B75
- Synchrony FinancialSYF $23.43B79
ETFs that hold PayPal Holdings
Held by 125 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| iShares Digitalisation UCITS ETF2B79 | 2.10% | 0.40% | €726.22M |
| Invesco CoinShares Global Blockchain UCITS ETFBNXG | 1.79% | 0.65% | €733.24M |
| Amundi US Tech 100 Equal Weight UCITS ETF DR USDWEBA | 1.63% | 0.07% | €340.27M |
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| UBS Global Gender Equality UCITS ETF hEUR accGGUE | 1.07% | 0.23% | €188.95M |
| Amundi MSCI Digital Economy UCITS ETF AccEBUY | 1.04% | 0.45% | €96.36M |
| Invesco Global Buyback Achievers UCITS ETFBBCK | 0.90% | 0.39% | €188.08M |
| UBS Factor MSCI USA Prime Value Screened UCITS ETF hEUR accUBUW | 0.77% | 0.28% | €127.84M |
| State Street SPDR S&P U.S. Financials Select Sector UCITS ETF (Acc)ZPDF | 0.63% | 0.15% | €663.04M |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 11 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Strong, published since 7 Nov 2026 (in the score history since 26 Jun 2026)
- Valuation signal Undervalued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.