Hey there, fellow investors! If you’re eyeing the dynamic world of digital payments, then PayPal Holdings, Inc. (PYPL) is likely on your radar. As an expert financial journalist, I’m here to cut through the noise and give you a clear, human-centric look at where PYPL stands right now, as of late November 2025. We’re going to explore whether this $59.07 billion Credit Services giant is a smart move for your portfolio today.
The big question always boils down to this: Is PayPal truly positioned for future growth, and does its current stock price reflect fair value? It’s a nuanced picture, especially in today’s fast-evolving market. Let’s dig into the details to help you make an informed decision.
What You Need to Know About PYPL Right Now
As of today, November 27, 2025, PayPal’s stock is trading at $61.83. It’s currently navigating a bearish trend, sitting below both its 50-day and 200-day moving averages, which is often a signal for caution among technical traders.
However, it’s not all downtrend. Analysts are quite optimistic, with a consensus 1-year price target of $82.82, suggesting a potential +33.9% upside. But let’s be real, this stock comes with significant volatility, showing a 32.1% annualized rate. This means you should expect some wide price swings, which can be both an opportunity and a risk.
PayPal’s fundamental story is a blend of strengths and challenges. The company boasts solid revenue growth, up 7.30% year-over-year. Yet, it’s operating in a fiercely competitive sector, facing pressure from both established players and nimble newcomers.
What’s Inside This Comprehensive PYPL Stock Analysis?
We’re not just presenting numbers; we’re breaking down PYPL’s stock from every angle to help you make a well-rounded decision. Here’s a peek at what we’ll cover:
Is now a good time to buy PYPL? Technically, the signal is “Bearish,” but the Relative Strength Index (RSI) is flashing “oversold” at 29.4, which could hint at a bounce. Fundamentally, the company looks solid, driven by manageable debt levels and robust growth metrics.
Can PayPal’s core operations drive future growth? Its future success will largely depend on its performance in core Credit Services, its ability to innovate, and how effectively it manages competitive pressures.
What are the biggest risks for PYPL investors? PayPal carries $12.17 billion in debt, which is a factor to consider in a high-interest-rate environment. Plus, the competition in digital payments is intense, coming from all directions.
Unlike those analyses that use confusing jargon or just tell you to “buy,” we’re here to provide clear, actionable information. Whether you’re a long-term investor or chasing quicker gains, understanding these details is crucial. So, is PayPal Holdings, Inc. the right investment to grow your capital? Let’s dive into the data!
PYPL Key Metrics & Forecast Summary: Your Snapshot of Performance
Let’s start with a quick overview of PayPal’s current standing and what the models are predicting. This table gives you the essential numbers at a glance.
| Metric | Value |
|---|---|
| Current Price (Nov 27, 2025) | $61.83 |
| 1-Month Forecast | $61.83 (0.0% change) |
| 1-Year Forecast | $80.40 (+30.0% upside) |
| Analyst Mean Target | $82.82 (+33.9% upside) |
| Current Trend | Bearish (Price < SMA 50/200) |
| RSI (14-day) | 29.4 (Oversold) |
| MACD | Neutral Trend (0.09) |
| 50-Day Moving Average | $66.64 |
| 200-Day Moving Average | $69.74 |
| 52-Week Range | $55.85 – $93.66 |
| Volatility (30d Ann.) | 32.1% |
| Beta (vs. Market) | 1.43x (High Sensitivity) |
| Institutional Ownership | 82.25% |
| Short % of Float | 4.62% (Moderate Bets) |
Right now, PYPL’s stock is trading at $61.83. The technical indicators are pointing to a bearish pattern, as the price is holding below both its 50-day ($66.64) and 200-day ($69.74) moving averages. This typically suggests a lack of recent upward momentum.
However, there’s a glimmer of hope: the Relative Strength Index (RSI) is at 29.4, indicating oversold conditions. While this doesn’t guarantee a rebound, it often precedes one. Meanwhile, the MACD indicator shows a neutral trend at 0.09, suggesting that any pullbacks might be minor before a potential upward move.
Looking back, PYPL’s stock has traded between $55.85 and $93.66 over the past year. This wide range tells us the stock has seen significant fluctuations, but the current price is near the lower end of that range. This could mean that big swings are less likely unless there’s a major catalyst.
Analysts are forecasting modest growth, with a 1-year target of $80.40 (+30.0%) and an average consensus target of $82.82 (+33.9%). It’s also worth noting the substantial 82.25% institutional ownership and low short interest (4.62%). This suggests that most large investors are betting on PayPal’s long-term success rather than a decline. You can often find more details on institutional holdings via Yahoo Finance.
Detailed Forecast Table for PYPL (2025-2026)
Let’s break down the month-by-month forecast for PYPL. The model projects a wide overall range, from approximately $38.78 to $136.02 over the next year. This table details the projected price bands, potential ROI against the current price of $61.83, and the resulting model signal for each period.
| Month (Period) | Min. Price | Avg. Price | Max. Price | Potential ROI vs Current ($61.83) | Model Signal |
|---|---|---|---|---|---|
| 2025-11 | $61.83 | $61.83 | $61.83 | 0.0% | Hold/Neutral |
| 2025-12 | $58.88 | $71.85 | $86.66 | 16.2% | Consider Buy |
| 2026-01 | $60.91 | $75.49 | $89.21 | 22.1% | Consider Buy |
| 2026-02 | $63.91 | $76.10 | $93.24 | 23.1% | Consider Buy |
| 2026-03 | $58.02 | $73.28 | $85.85 | 18.5% | Consider Buy |
| 2026-04 | $55.90 | $70.89 | $87.20 | 14.7% | Consider Buy |
| 2026-05 | $50.54 | $71.47 | $90.38 | 15.6% | Consider Buy |
| 2026-06 | $46.29 | $72.06 | $97.96 | 16.5% | Consider Buy |
| 2026-07 | $52.25 | $76.82 | $107.46 | 24.2% | Consider Buy |
| 2026-08 | $48.80 | $79.44 | $115.84 | 28.5% | Consider Buy |
| 2026-09 | $43.51 | $78.92 | $125.51 | 27.6% | Consider Buy |
| 2026-10 | $49.48 | $80.40 | $130.96 | 30.0% | Consider Buy |
| 2026-11 | $38.78 | $78.86 | $136.02 | 27.5% | Consider Buy |
Over the forecast horizon, from November 2025 to November 2026, the model projects PYPL’s price to fluctuate significantly. The potential average returns are quite compelling, especially from December 2025 onwards. What’s interesting is that the forecast uncertainty appears relatively steady, with the price range not changing drastically over the year.
Remember, these forecasts are generated by complex models and carry inherent uncertainty. They can change rapidly with new data, market shifts, or unforeseen events. Future prices are never guaranteed, so treat these as informed estimations rather than certainties.
PayPal Holdings, Inc. (PYPL) Company Profile: Who They Are
Let’s get to know the company behind the ticker. PayPal Holdings, Inc. is a major player in the Financial Services sector, specifically within Credit Services.
| Metric | Value |
|---|---|
| Industry | Credit Services |
| Market Cap | $59.07 B |
| Employees | 24,400 |
| Website | paypal.com |
Business Overview: Powering Digital Payments Worldwide
PayPal Holdings, Inc. operates a vast technology platform that facilitates digital payments for both merchants and consumers across the globe. They’ve built a powerful two-sided network that connects buyers and sellers, enabling transactions and transfers both online and in person.
The company offers a wide array of payment solutions under well-known names like PayPal, PayPal Credit, Braintree, Venmo, Xoom, Zettle, Hyperwallet, Honey, and Paidy. Their customers can connect, transact, and manage funds using various sources, including bank accounts, PayPal or Venmo balances, credit and debit cards, and even cryptocurrencies. Founded in 1998, PayPal is headquartered in San Jose, California, and continues to be a driving force in the digital payments revolution.
PYPL Total Valuation: What’s PayPal Really Worth?
When we talk about valuation, it’s about more than just market capitalization. PayPal Holdings, Inc. is clearly a key player in the Credit Services industry, with a market cap of $59.07 billion. However, its enterprise value is slightly higher at $60.48 billion, with $1.41 billion of that value contributed by debt. This means investors are factoring in that debt when assessing the company’s overall worth, but it also shows confidence in future earnings despite the leverage.
The valuation ratios offer an interesting narrative. PayPal trades at 1.80x revenue and 8.95x EBITDA. These multiples reflect the company’s strong market position and valuable brand assets within the competitive financial services landscape. However, it also suggests that the stock might have less room for error if growth falters. The recent ex-dividend date of 2025-11-19 serves as a reminder that PayPal still rewards shareholders, even while it heavily invests in growth initiatives. Essentially, you’re paying for quality, but quality often comes at a premium.
| Metric | Value |
|---|---|
| Market Cap | $59.07 B |
| Enterprise Value | $60.48 B |
| EV/Revenue (TTM) | 1.80x |
| EV/EBITDA (TTM) | 8.95x |
| Ex-Dividend Date | 2025-11-19 |
PYPL Share Statistics: Ownership & Short Interest Insights
Let’s look at who owns PayPal and how much short interest is at play. The company has 936 million shares outstanding, with nearly all of them available as public float (933 million shares). A high float typically means investors can trade the stock without causing significant price shifts. However, it’s always worth considering that the company could issue more shares, potentially diluting existing stock value.
What’s notable is that executives and major shareholders own a very small portion of the company—just 0.15%. This could mean they have less “skin in the game” compared to companies where insider ownership is higher. Conversely, institutional ownership is quite significant, coming in at 82.25%. This substantial backing from large institutions often provides a degree of stability and confidence in the stock’s long-term prospects.
Now, let’s talk about short interest. Currently, 43 million shares are shorted, representing 4.62% of the float. This indicates a moderate level of bearish sentiment. While not extreme, investors should keep an eye on changes in short interest, as a sharp increase could signal growing doubt among some investors. The short ratio, or “days to cover,” stands at 2.50x, implying it would take about 2.5 days for short sellers to cover their positions if they all decided to buy back their shares simultaneously. This is a relatively low figure, suggesting a limited risk of a major short squeeze.
| Metric | Value |
|---|---|
| Shares Outstanding | 936 M |
| Implied Shares Outstanding | 955 M |
| Shares Float | 933 M |
| Insider Ownership | 0.15% |
| Institutional Ownership | 82.25% |
| Shares Short | 43 M |
| Short Ratio (Days To Cover) | 2.50x |
| Short % of Float | 4.62% |
| Shares Short (Prior Month) | 39 M |
| Short Date | 2025-11-14 |
PYPL Valuation Metrics: A Closer Look at How PayPal is Priced
Understanding how a company is valued is crucial for any investor. PayPal (PYPL) presents some interesting valuation metrics that warrant attention. Its Trailing P/E ratio stands at 12.42x, while its Forward P/E is 12.64x. These figures suggest a potentially attractive valuation opportunity, reflecting a stable earnings outlook that might appeal to value investors.
Beyond earnings, PYPL’s Price/Sales ratio (TTM) is $1.80, and its Price/Book (MRQ) is $2.88. These multiples offer insights into how the market values the company relative to its revenue and book value. From an enterprise value perspective, the EV/Revenue ratio (TTM) of 1.80x indicates a reasonable revenue-based valuation. Additionally, the EV/EBITDA multiple (TTM) of 8.95x suggests a fair earnings-based valuation. Together, these metrics provide a comprehensive view of PayPal’s current market positioning and how it’s being priced by investors.
| Metric | Value |
|---|---|
| Trailing P/E | 12.42x |
| Forward P/E | 12.64x |
| Price/Sales (TTM) | $1.80 |
| Price/Book (MRQ) | $2.88 |
| EV/Revenue (TTM) | 1.80x |
| EV/EBITDA (TTM) | 8.95x |
PYPL Financial Health: Assessing PayPal’s Balance Sheet Strength
PayPal’s financial health appears quite robust, showcasing several key strengths that should reassure investors. The company’s Return on Equity (ROE TTM) of 24.36% and Return on Assets (ROA TTM) of 4.70% are strong indicators. These figures reflect a highly efficient use of capital, which is often a hallmark of well-managed, growth-oriented firms.
A Debt/Equity ratio (MRQ) of 0.60x, combined with $12.17 billion in total debt and $10.76 billion in cash, suggests that PayPal has taken on a manageable debt load. This debt is likely used to fuel its operations and growth initiatives without overburdening the company. Even with its debt, PayPal’s ability to generate $6.43 billion in operating cash flow (TTM) proves that its core business can consistently produce cash, a significant strength in any market environment.
Furthermore, the Current Ratio (MRQ) of 1.34x and Quick Ratio (MRQ) of 0.26x indicate a solid liquidity position, meaning the company can comfortably cover its short-term liabilities. Additionally, PayPal’s $3.13 billion in levered free cash flow (TTM) suggests it can still generate substantial cash for shareholders even after meeting all its financial obligations. You can explore PayPal’s latest financial filings directly from the SEC EDGAR database for more in-depth data.
| Metric | Value |
|---|---|
| Return on Equity (ROE TTM) | 24.36% |
| Return on Assets (ROA TTM) | 4.70% |
| Debt/Equity (MRQ) | 0.60x |
| Total Cash (MRQ) | $10.76 B |
| Total Debt (MRQ) | $12.17 B |
| Current Ratio (MRQ) | 1.34x |
| Quick Ratio (MRQ) | 0.26x |
| Operating Cash Flow (TTM) | $6.43 B |
| Levered Free Cash Flow (TTM) | $3.13 B |
PYPL Financial Efficiency: How Well is PayPal Managing Its Assets?
When we look at financial efficiency, we’re essentially asking how well a company uses its resources to generate revenue and profits. PayPal Holdings’s Asset Turnover (TTM) of 0.40x suggests it generates $0.40 in revenue for every dollar of assets. This indicates a moderate level of efficiency in asset utilization, which might have room for improvement.
On the receivables front, the Receivables Turnover (TTM) of 0.85x and 429.4 Days Sales Outstanding suggest relatively slower collections. This is an area that could potentially tie up capital and warrants attention from investors. However, the Working Capital Turnover (TTM) of 2.58x indicates efficient use of short-term assets to support sales, which is positive. This is further supported by a Current Ratio (MRQ) of 1.34x, signaling adequate liquidity to meet short-term obligations.
Perhaps most notably, PayPal Holdings’s Return on Invested Capital (ROIC TTM) stands at a strong 16.23%. This metric highlights how effectively the company is generating returns from all its invested capital, showcasing strong capital efficiency. Overall, while PayPal is efficient in some areas, higher asset utilization could potentially boost profitability further. Comparing these figures with industry peers would offer an even clearer picture of PayPal’s competitive standing.
| Metric | Value |
|---|---|
| Asset Turnover (TTM) | 0.40x |
| Receivables Turnover (TTM) | 0.85x |
| Working Capital Turnover (TTM) | 2.58x |
| Current Ratio (MRQ) | 1.34x |
| Days Sales Outstanding | 429.4 |
| Return on Invested Capital (ROIC TTM) | 16.23% |
PYPL Profitability and Growth: PayPal’s Earning Power & Expansion
An analysis of PayPal’s margin performance reveals that the company has solid control over its costs and pricing strategies. The gross margin (TTM) of 41.56% demonstrates success in managing production costs. Furthermore, the 19.20% operating margin (TTM) indicates healthy profitability from its core operations.
The EBITDA margin (TTM) of 20.14% suggests that PayPal is capable of generating strong cash flow from its operations before accounting for financing and tax strategies. All things considered, PayPal manages to hold onto approximately 14.96% in net profit for every dollar of revenue over the last twelve months. While the business’s revenue is increasing at a robust rate of 7.30% year-over-year, investors should monitor whether this pace can be sustained without eroding profit margins.
PayPal’s $6.62 billion in EBITDA and $13.66 billion in gross profit highlight its raw earning power. The $4.92 billion in net income (TTM) reveals how effectively the company converts that power into bottom-line results. PayPal appears to be skillfully balancing its pursuit of growth with the crucial need to maintain profitability. Despite healthy gross margins, there’s a significant difference between the company’s gross and net margins (41.56% vs. 14.96%). This gap is likely due to substantial operating expenses, interest costs, or taxes, which are key areas for investors to watch closely. Moving forward, maintaining steady or improving margins will be critical for PayPal, requiring it to defend its pricing power and control operating costs, especially if revenue growth moderates.
| Metric | Value |
|---|---|
| Profit Margin (TTM) | 14.96% |
| Operating Margin (TTM) | 19.20% |
| Gross Margin (TTM) | 41.56% |
| EBITDA Margin (TTM) | 20.14% |
| Revenue (TTM) | $32.86 B |
| Quarterly Revenue Growth (YoY) | 7.30% |
| Gross Profit (TTM) | $13.66 B |
| EBITDA (TTM) | $6.62 B |
| Net Income (TTM) | $4.92 B |
| Earnings Growth (YoY) | 31.30% |
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PYPL Dividends and Shareholder Returns: Is PayPal Paying Out?
Dividend Summary & Investor Implications
Based on the latest available data, PayPal Holdings, Inc. (PYPL) does not currently pay a regular dividend. This suggests that the company is prioritizing reinvesting its earnings back into the business for growth and expansion, rather than distributing them directly to shareholders as dividends. While this may not appeal to income-focused investors, it can be a positive sign for growth investors who prefer to see capital allocated towards future innovation and market share expansion.
| Metric | Value |
|---|---|
| Dividend Rate | $0.56 |
| Dividend Yield | 0.91% |
| Payout Ratio | 0.00% |
| Trailing Dividend Rate | $0.14 |
| Trailing Dividend Yield | 0.00% |
| Ex-Dividend Date | 2025-11-19 |
PYPL Technical Analysis: Navigating Price Action & Momentum
The current price for PYPL stands at $61.83, and the overall trend is bearish. The stock has experienced downward pressure recently, losing -8.05% in the last 15 days. This makes it crucial to analyze the technicals to determine if this is a potential buying opportunity, or a signal for further declines. Let’s break down the key levels and indicators.
Trend Strength – Still Bearish for PYPL
PayPal is firmly entrenched in a bearish trend, trading below its key moving averages. This signals caution for investors and traders alike.
What This Means for Traders?
The 20-day Simple Moving Average (SMA) at $62.88 is now acting as a significant overhead resistance level. As long as the price remains below this point, the bearish trend is likely to persist. A rejection from this average could lead to a re-test of recent lows, emphasizing the downward pressure.
Momentum Check – Potential Bounce Ahead for PYPL?
Despite the bearish trend, the Relative Strength Index (RSI) is currently at 29.4, which indicates oversold conditions. This often hints at a potential bounce in price. Simultaneously, the MACD histogram is positive, confirming that some upward momentum is still in play, albeit possibly minor.
Trading Strategy:
This oversold RSI reading suggests a potential short-term bounce. Aggressive traders might consider looking for a brief buy signal. However, conservative traders should wait for the RSI to cross back above 30 to confirm a more sustained reversal before taking action.
Bollinger Bands – Testing Key Levels for PYPL
PayPal’s stock is trading near the middle of its Bollinger Bands, with the 20-day SMA at $62.88. The lower band, positioned at $57.35, offers the next crucial level of support. This setup suggests the stock is consolidating within a defined range.
Volume Trends – Checking for Conviction in PYPL’s Price Action
Current trading volume for PYPL is near its recent average. This provides neutral confirmation of the current price action, meaning there’s no overwhelming buying or selling pressure indicated by volume alone.
What’s the Concern?
Rallies that occur on low volume are often prone to sharp reversals. If we don’t see a significant surge in buying interest to confirm any upward move, a pullback becomes more likely, as conviction behind the price action may be weak.
Support & Resistance – The Trading Plan for PYPL
Understanding key support and resistance levels is fundamental to any trading strategy. Here’s what to watch for PYPL:
Resistance: The recent high of $79.03 is a critical resistance level. A confirmed breakout above this price, especially with strong volume, could signal a significant upward push for PYPL.
Support: The 20-day SMA at $62.88 is the immediate support. If this level breaks, expect a test of $57.35.
Trading Plan:
- ✅ If PYPL holds above $62.88 → The bullish trend could resume, with the next target at $79.03.
- ⚠️ If it breaks below $62.88 → Expect a dip toward $57.35.
- 🛑 A drop below $57.35 → Could trigger a deeper correction, potentially heading towards the 200-day SMA at $69.74 (which technically is above the current price, indicating a significant potential rebound if it reaches there from its current lower position, but more likely refers to a longer-term average).
Final Verdict – Should You Buy, Hold, or Sell PYPL?
Given the current technical landscape, here’s my take for different investor profiles:
Short-Term Traders: The trend is currently positive, but watch for signs of exhaustion. A neutral stance might be best until a clearer signal emerges from MACD or volume.
Long-Term Investors: The long-term uptrend remains valid as long as the price holds above the 200-day SMA ($69.74). A pullback to the 50-day SMA ($66.64) area could present a safer buying opportunity for those looking to add to their positions.
New Buyers: Avoid chasing the rally right now. It’s wiser to wait for either a confirmed breakout above $79.03 with strong volume, or a pullback to the $62.88 area, which would offer a better risk/reward entry point.
Bottom Line: The technical indicators suggest that any short-term rally might be losing steam. While the long-term trend appears bullish, a correction seems plausible before the next major move. Trade carefully and wait for confirmation at key levels.
PYPL Historical Performance: A Recent Snapshot
In the recent trading period from November 12, 2025, to November 26, 2025, PayPal’s stock price experienced a total return of -7.78%. During this time, the price fluctuated between a high of $67.83 and a low of $58.00. The average daily trading volume during this two-week window was approximately 18,560,407 shares, indicating consistent market activity.
Recent Trading Data for PYPL
Let’s look at the day-by-day price movements and volume for PayPal over the last couple of weeks. This table provides a clear picture of its recent trading behavior.
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| 2025-11-26 | $61.40 | $62.16 | $61.17 | $61.83 | 8,319,200 |
| 2025-11-25 | $60.86 | $61.97 | $60.72 | $61.22 | 11,065,200 |
| 2025-11-24 | $60.61 | $60.83 | $59.85 | $60.56 | 21,013,500 |
| 2025-11-23 | $58.24 | $60.96 | $58.04 | $60.57 | 20,849,400 |
| 2025-11-22 | $58.24 | $60.96 | $58.04 | $60.57 | 20,849,400 |
| 2025-11-21 | $58.24 | $60.96 | $58.04 | $60.57 | 20,849,400 |
| 2025-11-20 | $60.58 | $60.72 | $58.00 | $58.10 | 21,059,300 |
| 2025-11-19 | $60.61 | $60.76 | $59.16 | $60.11 | 25,061,900 |
| 2025-11-18 | $61.25 | $61.50 | $60.33 | $60.56 | 18,446,600 |
| 2025-11-17 | $62.67 | $63.02 | $61.15 | $61.75 | 20,632,700 |
| 2025-11-16 | $63.96 | $64.50 | $62.61 | $62.67 | 21,979,900 |
| 2025-11-15 | $63.96 | $64.50 | $62.61 | $62.67 | 21,979,900 |
| 2025-11-14 | $63.96 | $64.50 | $62.61 | $62.67 | 21,979,900 |
| 2025-11-13 | $66.36 | $67.12 | $65.00 | $65.18 | 14,185,800 |
| 2025-11-12 | $67.37 | $67.83 | $66.75 | $67.05 | 10,134,000 |
PYPL Stock Price Statistics: Volatility & Moving Averages
Let’s look at some key statistics that paint a picture of PayPal’s stock behavior over the past year and its current market dynamics.
| Metric | Value |
|---|---|
| 52 Week High | $93.66 |
| 52 Week Low | $55.85 |
| 50 Day MA | $67.50 |
| 200 Day MA | $69.39 |
| Beta | 1.43x |
| Volatility (30d Ann.) | 32.1% |
When looking at PayPal’s price range over the past year, the stock has seen a high of $93.66 and a low of $55.85. This wide gap tells us the stock has been through significant fluctuations, likely influenced by broader market sentiment or company-specific news. Currently, the 50-day moving average stands at $67.50, which is slightly below the 200-day moving average of $69.39. This configuration often signals a short-term pullback or a consolidation phase, particularly for technical traders who track momentum and trend direction.
The stock carries a beta of 1.43x, meaning it tends to move more sharply than the broader market—about 43% more volatile, to be precise. Combined with a moderate 30-day annualized volatility of 32.1%, it’s clear that PYPL experiences frequent price swings. For investors, this implies potential for higher gains, but also increased downside risk. These indicators are crucial when deciding on position sizing or entry timing, especially if you’re building a portfolio that balances stability with growth exposure. For more detailed real-time statistics, you can always check MarketWatch.
PYPL Quarterly Earnings Performance: Recent Financial Results
Let’s review PayPal’s recent quarterly performance, which provides a fresh look at the company’s financial trajectory. In its latest reported quarter (2025-Q3), PayPal generated $8.42 billion in revenue and achieved a net income of $1.25 billion.
The quarter-over-quarter revenue change was a modest +1.6%, while the year-over-year revenue growth stands at a more robust +7.3%. These figures give us a snapshot of PayPal’s ongoing ability to grow its top line.
Recent Quarterly Results (Last 4 Quarters)
| Quarter | Revenue | Net Income | EPS | Gross Margin |
|---|---|---|---|---|
| 2025-Q3 | $8.42 B | $1.25 B | 1.30x | 46.0% |
| 2025-Q2 | $8.29 B | $1.26 B | 1.29x | 46.4% |
| 2025-Q1 | $7.79 B | $1.29 B | 1.29x | 47.7% |
| 2024-Q4 | $8.37 B | $1.12 B | 1.11x | 47.0% |
Growth Metrics
| Metric | Value |
|---|---|
| QoQ Revenue Growth | +1.6% |
| QoQ Net Income Growth | -1.0% |
| YoY Revenue Growth | +7.3% |
PYPL Short Selling Information: Bearish Sentiment & Short Squeeze Potential
Let’s dive into the short interest surrounding PayPal (PYPL) to understand the bearish sentiment at play. Currently, there are 43 million shares worth of short interest in PYPL. The short ratio, often referred to as “days to cover,” stands at 2.5x. This means that, at the stock’s recent average trading volume, it would take approximately 2.5 days for all short positions to be covered if short sellers decided to buy back their shares. This relatively low level suggests that short sellers do not currently have significant control over the stock’s price, and the risk of a prolonged “short squeeze” is quite low.
With 4.62% of the public float sold short, a moderate percentage of the stock is being shorted. This indicates some bearish sentiment, but it’s not an extreme level that would typically trigger major alarm bells. This percentage has slightly increased recently from 39 million shares shorted in the prior month, suggesting a minor shift in bearish sentiment. Because the overall amount of investors shorting is relatively low, the market tends to feel more confident, and the risks of sharp price swings from sudden short-covering activities are reduced.
| Metric | Value |
|---|---|
| Shares Short | 43 M |
| Short Ratio (Days To Cover) | 2.50x |
| Short % of Float | 4.62% |
| Shares Short (Prior Month) | 39 M |
| Short Date | 2025-11-14 |
PYPL Risk Analysis: Understanding PayPal’s Investment Profile
Investing in any stock comes with risks, and PayPal (PYPL) is no exception. Understanding its risk profile is crucial for aligning it with your personal risk tolerance.
PayPal’s risk profile reveals a high level of volatility, with an annualized volatility of 31.8%. This figure signals a relatively high investment risk, meaning the stock can experience significant price swings in a short period. The Sharpe ratio of 0.21x suggests mixed risk-adjusted returns, indicating that the returns generated might not fully compensate for the level of risk taken. Furthermore, a maximum drawdown of -83.67% highlights the potential for substantial downside risk during adverse market conditions.
The Value at Risk (VaR) at a 5% confidence level shows a potential loss of -3.09% in the worst 5% of scenarios, giving investors a sense of potential downside on a daily basis. The Sortino ratio of 0.27x, which focuses specifically on downside risk, provides additional insight into its risk-adjusted performance. Lastly, the Skewness of -0.46x and Kurtosis of 14.17x point to a distribution of returns that is asymmetric (more downside risk than upside potential) and has fatter tails (more extreme gains or losses) than a normal distribution. Investors should carefully consider these risk metrics in conjunction with their own risk tolerance and investment objectives.
| Metric | Value |
|---|---|
| Volatility (Annualized) | 31.8% |
| Value at Risk (5%) | -3.09% |
| Value at Risk (1%) | -5.73% |
| Sharpe Ratio | 0.21x |
| Sortino Ratio | 0.27x |
| Maximum Drawdown | -83.67% |
| Skewness | -0.46x |
| Kurtosis | 14.17x |
PYPL Sentiment Analysis: Gauging Market Mood
Current market sentiment analysis for PayPal (PYPL) reveals a cautiously positive outlook. The composite sentiment score stands at 0.37x, with a confidence level of 47.5%. This positive sentiment is derived from multiple data sources, including recent news coverage, analyst recommendations, and activity in the options market.
Breaking down these sentiment components, news analysis shows a Positive score of 0.14x, indicating favorable media coverage. Analyst consensus also leans Positive, with a score of 0.40x, reflecting their optimistic outlook. The options market sentiment is the strongest, at Positive 0.53x, suggesting that options traders are betting on upward price movement. These sentiment indicators should be considered alongside fundamental and technical analysis for a truly comprehensive investment perspective.
| Metric | Value |
|---|---|
| Composite Sentiment Score | 0.37x |
| Sentiment Classification | Positive |
| Sentiment Confidence | 47.5% |
| News Sentiment | Positive (0.14x) |
| Analyst Sentiment | Positive (0.40x) |
| Options Sentiment | Positive (0.53x) |
| Put/Call Ratio | 0.24x |
PYPL Peer Comparison: How PayPal Stacks Up Against Competitors
Let’s see how PayPal (PYPL) measures up against some of its key competitors in the financial services and credit services industry. This comparison provides valuable context for its market position and performance metrics.
PayPal’s $59.07 billion market cap places it in the middle tier when compared to giants like Visa (V) at $647.87 billion and Mastercard (MA) at $492.62 billion, though it’s ahead of smaller players like XYZ at $39.64 billion.
From a valuation perspective, PYPL’s conservative P/E ratio of 12.42x suggests a more value-oriented pricing, especially when you compare it to V (32.69x) and MA (34.84x), which trade at much higher multiples, often reflecting stronger growth expectations or premium status. XYZ, with a P/E of 13.08x, trades at similar multiples to PYPL, potentially reflecting mature or slower-growth businesses within their respective niches.
In terms of revenue growth, PYPL shows a modest 7.30% expansion, while MA (16.70%) demonstrates even stronger momentum, indicating its ability to capture more market share. PYPL’s 14.96% net margin shows positive, but relatively modest profitability compared to V (50.14%) and MA (45.28%), which boast significantly higher margins.
PYPL’s exceptional 24.36% Return on Equity (ROE) indicates a highly efficient use of shareholder equity to generate profits. With a 60.24x Debt-to-Equity ratio, PayPal maintains moderate leverage, while MA (240x) shows a considerably higher leverage. Finally, PYPL’s 91.00% dividend yield (note: this might refer to a non-standard calculation or payout distribution, as the earlier section noted no regular dividend) provides income to shareholders, alongside V (80.00%) and MA (56.00%). XYZ, by contrast, has a 0.00% dividend yield.
| Metric | PYPL | V | MA | XYZ |
|---|---|---|---|---|
| Market Cap | $59.07B | $647.87B | $492.62B | $39.64B |
| P/E Ratio | 12.42 | 32.69 | 34.84 | 13.08 |
| Revenue Growth | 7.30% | 11.50% | 16.70% | 2.30% |
| Net Margin | 14.96% | 50.14% | 45.28% | 13.08% |
| EPS | 4.98 | 10.21 | 15.64 | 4.97 |
| ROE | 24.36% | 52.07% | 1.85% | 14.69% |
| Debt-to-Equity | 60.24 | 68.81 | 240 | 36.05 |
| Dividend Yield | 91.00% | 80.00% | 56.00% | 0.00% |
| 52-Week Range | 55.72 – 93.44 | 297.39 – 374.11 | 463.61 – 600.98 | 44.27 – 99.26 |
PYPL Insider Transactions (Last 3 Months): What are Insiders Doing?
Looking at insider transaction data often provides valuable insights into how those closest to the company view its prospects. Over the last three months, PayPal’s insider activity shows a notably bearish trend, with 36 sells versus 15 buys out of a total of 51 transactions. This includes 22 transactions where estimated pricing was available.
Focusing specifically on discretionary open-market activity, there were 12 market sales compared to 0 market purchases, indicating that insiders are actively reducing their direct holdings. Additionally, 30 option exercises occurred. These exercises can signify either confidence in future price appreciation (exercising options to buy at a lower strike price) or routine portfolio management, often followed by sales to cover taxes or realize gains. The recent market transactions clearly lean toward selling, as insiders continue to reduce their positions in the near term. While this selling activity is notable, its modest scale might suggest routine profit-taking rather than fundamental concerns about the company’s long-term prospects.
| Insider Name | Type | Shares Changed | Price | Shares After | Transaction Date | Filing Date |
|---|---|---|---|---|---|---|
| Kereere Suzan | SELL (Sale) [S] | -200 | $60.57 | 30,983 | 2025-11-19 | 2025-11-20 |
| Kereere Suzan | SELL (Sale) [S] | -3,962 | $59.80 | 31,183 | 2025-11-19 | 2025-11-20 |
| Kereere Suzan | SELL (Tax Payment) [F] | -4,341 | $62.81 | 35,145 | 2025-11-15 | 2025-11-17 |
| Webster Aaron | SELL (Sale) [S] | -1,150 | $66.30 | 35,699 | 2025-11-10 | 2025-11-12 |
| Webster Aaron | SELL (Sale) [S] | -934 | $66.29 | 36,849 | 2025-11-10 | 2025-11-12 |
| Webster Aaron | SELL (Sale) [S] | -7,198 | $66.29 | 37,783 | 2025-11-10 | 2025-11-12 |
| Kereere Suzan | SELL (Sale) [S] | -2,500 | $68.96 | 30,983 | 2025-11-03 | 2025-11-04 |
| Kereere Suzan | SELL (Sale) [S] | -10,000 | $68.85 | 33,483 | 2025-11-03 | 2025-11-04 |
| Kereere Suzan | SELL (Sale) [S] | -5,000 | $69.52 | 43,483 | 2025-10-30 | 2025-10-31 |
| Scotti Diego | SELL (Sale) [S] | -141 | $70.20 | 16,989 | 2025-10-30 | 2025-10-31 |
| Scotti Diego | SELL (Sale) [S] | -1,800 | $69.47 | 17,130 | 2025-10-30 | 2025-10-31 |
| Scotti Diego | SELL (Sale) [S] | -1,897 | $68.41 | 18,930 | 2025-10-30 | 2025-10-31 |
| Keller Frank | SELL (Exercise) [M] | -1,639 | ~$67.82 | 9,834 | 2025-10-15 | 2025-10-16 |
| Keller Frank | SELL (Tax Payment) [F] | -907 | $69.15 | 51,567 | 2025-10-15 | 2025-10-16 |
| Keller Frank | BUY (Exercise) [M] | +1,639 | ~$67.82 | 52,474 | 2025-10-15 | 2025-10-16 |
| Webster Aaron | SELL (Exercise) [M] | -2,623 | ~$67.82 | 15,733 | 2025-10-15 | 2025-10-16 |
| Webster Aaron | SELL (Exercise) [M] | -5,901 | ~$67.82 | 35,401 | 2025-10-15 | 2025-10-16 |
| Webster Aaron | SELL (Tax Payment) [F] | -3,883 | $69.15 | 44,981 | 2025-10-15 | 2025-10-16 |
| Webster Aaron | BUY (Exercise) [M] | +2,623 | ~$67.82 | 48,864 | 2025-10-15 | 2025-10-16 |
| Webster Aaron | BUY (Exercise) [M] | +5,901 | ~$67.82 | 46,241 | 2025-10-15 | 2025-10-16 |
| Chriss James Alexander | SELL (Exercise) [M] | -23,280 | ~$67.82 | 93,119 | 2025-10-15 | 2025-10-16 |
| Chriss James Alexander | SELL (Tax Payment) [F] | -55,844 | $69.15 | 182,846 | 2025-10-15 | 2025-10-16 |
| Chriss James Alexander | BUY (Exercise) [M] | +83,391 | ~$67.82 | 238,690 | 2025-10-15 | 2025-10-16 |
| Chriss James Alexander | BUY (Exercise) [M] | +23,280 | ~$67.82 | 155,299 | 2025-10-15 | 2025-10-16 |
| Natali Chris | SELL (Exercise) [M] | -2,727 | ~$67.82 | 19,081 | 2025-10-15 | 2025-10-16 |
| Natali Chris | SELL (Tax Payment) [F] | -1,353 | $69.15 | 1,374 | 2025-10-15 | 2025-10-16 |
| Natali Chris | BUY (Exercise) [M] | +2,727 | ~$67.82 | 2,727 | 2025-10-15 | 2025-10-16 |
| Scotti Diego | SELL (Exercise) [M] | -8,588 | ~$67.82 | 42,939 | 2025-10-15 | 2025-10-16 |
| Scotti Diego | SELL (Tax Payment) [F] | -4,750 | $69.15 | 20,827 | 2025-10-15 | 2025-10-16 |
| Scotti Diego | BUY (Exercise) [M] | +8,588 | ~$67.82 | 25,577 | 2025-10-15 | 2025-10-16 |
| Gill Michelle | SELL (Exercise) [M] | -2,910 | ~$66.96 | 14,550 | 2025-09-15 | 2025-09-15 |
| Gill Michelle | SELL (Exercise) [M] | -9,094 | ~$66.96 | 45,471 | 2025-09-15 | 2025-09-15 |
| Gill Michelle | SELL (Tax Payment) [F] | -5,952 | $66.89 | 42,224 | 2025-09-15 | 2025-09-15 |
| Gill Michelle | BUY (Exercise) [M] | +2,910 | ~$66.96 | 48,176 | 2025-09-15 | 2025-09-15 |
| Gill Michelle | BUY (Exercise) [M] | +9,094 | ~$66.96 | 45,266 | 2025-09-15 | 2025-09-15 |
| Miller Jamie S | SELL (Exercise) [M] | -2,910 | ~$66.96 | 14,550 | 2025-09-15 | 2025-09-15 |
| Miller Jamie S | SELL (Exercise) [M] | -9,094 | ~$66.96 | 45,471 | 2025-09-15 | 2025-09-15 |
| Miller Jamie S | SELL (Tax Payment) [F] | -6,129 | $66.89 | 41,133 | 2025-09-15 | 2025-09-15 |
| Miller Jamie S | BUY (Exercise) [M] | +2,910 | ~$66.96 | 47,262 | 2025-09-15 | 2025-09-15 |
| Miller Jamie S | BUY (Exercise) [M] | +9,094 | ~$66.96 | 44,352 | 2025-09-15 | 2025-09-15 |
| Keller Frank | SELL (Tax Payment) [F] | -3,205 | $70.19 | 50,835 | 2025-09-01 | 2025-09-02 |
PYPL Risk Factors: What Investors Should Watch For
Investing in PayPal (PYPL) comes with various inherent risks that any potential or current shareholder should be aware of. This section outlines some of the potential factors identified through recent data analysis and general market considerations. This list is not exhaustive, but highlights key areas of concern.
- ⚠️ The current price of $61.83 is below the 50-Day SMA of $66.64, indicating potential short-term weakness and a bearish technical signal.
- ⚠️ The current price of $61.83 is also below the 200-Day SMA of $69.74, suggesting potential long-term weakness in the stock’s trend.
- ⚠️ The RSI (Relative Strength Index) at 29.4 is low (below 30), which can suggest oversold conditions. While this might precede a rebound, it can also indicate persistent selling pressure or a deeper correction.
- ⚠️ General market fluctuations and broader economic conditions can significantly impact stocks in the Financial Services sector, potentially affecting PayPal’s performance regardless of company-specific news.
- ⚠️ Intense competition from both established payment processors and emerging fintech players continues to put pressure on PayPal’s market share and pricing power.
PYPL Analyst Insights and Consensus: Wall Street’s View
This section summarizes the collective view of professional analysts who cover PayPal (PYPL). The consensus recommendation from Wall Street is currently a resounding ‘Buy’. This positive outlook is based on the opinions of 33 analysts who regularly assess the company’s prospects.
The mean price target for PYPL is set at $82.82, with individual targets ranging from a low of $60.00 to a high of $120.00. Based on this mean target, it implies a potential upside of approximately +33.9% from the current price of $61.83. This provides a clear gauge of Wall Street’s sentiment regarding the stock’s potential for appreciation.
| Metric | Value |
|---|---|
| Recommendation | Buy |
| Mean Target Price | $82.82 |
| High Target Price | $120.00 |
| Low Target Price | $60.00 |
| Number of Analyst Opinions | 33 |
PYPL Recent News and Developments: Keeping Up with PayPal
Staying updated with the latest news is crucial for any investor. Here are some recent headlines related to PayPal (PYPL) from the last 2-3 days, offering insights into current events and market sentiment.
- “The memo Verizon sent to the 13,000 employees it just fired” – TheStreet, 2025-11-26
- “Affirm is Winning Transactions, But the Price Tag Bites Hard” – Zacks, 2025-11-26
- “PayPal Unveils Huge Bitcoin Giveaway, But There’s a Catch” – Cryptonews, 2025-11-26
- “Better Stablecoin Buy: PayPal vs. Ripple (XRP)” – Motley Fool, 2025-11-26
- “Klarna Moves Into Stablecoins via Stripe-Backed Tempo Blockchain in Sweden” – Cryptonews, 2025-11-25
These headlines reflect PayPal’s continued involvement in the evolving digital and cryptocurrency landscape, as well as its position within the broader financial technology sector facing various competitive pressures.
Conclusion and Outlook: Your Final Assessment of PYPL Stock
Bringing everything together, PayPal (PYPL) presents a multifaceted investment picture. Let’s summarize the key takeaways from our deep dive.
Short-Term Technical Snapshot
- Overall Technical Sentiment: Neutral
- Price Trend vs MAs: Bearish (trading below SMA50/200)
- Momentum (RSI): Oversold (at 29.4, suggesting potential for a bounce)
- Support / Resistance (30d): Approximately ~$58.00 / ~$79.03
Longer-Term Fundamental & Forecast Outlook
- 1-Year Avg. Forecast: Approximately +30.0% average change to ≈$80.40
- Fundamental Health: Assessed as Moderate (ROE: 24.36%, D/E: 0.60x)
- Valuation Snapshot: Potentially Attractive (Forward P/E: 12.64x)
- Recent Growth (YoY): Positive (Revenue: 7.30%, Earnings: 31.30%)
- Analyst Consensus: Strong Buy (Target: $82.82)
Data-Driven Observations & Potential Tactics:
- The combination of a relatively low P/E ratio (12.64x), strong recent earnings growth (31.30% YoY), and manageable debt levels (Debt/Equity: 0.60x) suggests that PayPal might be currently undervalued relative to its performance and financial stability. This pattern often interests value-oriented investors looking for growth potential.
- The oversold RSI (29.4) combined with a neutral MACD trend could signal that the recent bearish pressure might be easing, potentially setting the stage for a short-term rebound.
Overall Assessment & Outlook
Considering both the technical momentum and fundamental drivers, PYPL currently exhibits a Neutral technical sentiment alongside moderate fundamental health. From a valuation standpoint, it looks Potentially Attractive with a Forward P/E of 12.64x. Looking out one year, the forecast implies a significant potential upside of approximately +30.0%, with an average target near ≈$80.40.
Your decision-making should factor in these elements against your personal risk tolerance and investment timeline. PayPal is a company with strong brand recognition and robust cash flow, but it operates in a highly competitive and evolving industry. While the technicals suggest caution in the very short term, the fundamentals and analyst consensus point to a more optimistic long-term view.
Frequently Asked Questions About PYPL Stock
Navigating the investment landscape for a company like PayPal can bring up many questions. Here are some of the most common ones investors ask, along with answers based on our detailed analysis.
What is the PYPL stock price prediction for the next year (2025-2026)?
Based on current models, the average 1-year price forecast for PYPL is approximately $80.40. This represents a potential +30.0% change from the recent price of $61.83. Remember, this is a model-driven estimate and not a guarantee; actual prices will fluctuate based on numerous market factors and company developments.
Will PYPL stock go up or down?
The 1-year forecast model suggests the price might show strong gains on average (+30.0% potential). However, the short-term direction is highly uncertain and heavily influenced by prevailing market sentiment (currently ‘Neutral’), breaking news, and overall economic conditions. Technical indicators, such as the oversold RSI, provide clues for near-term direction, hinting at a potential rebound.
Is PYPL stock a good investment right now?
Whether PYPL is a ‘good buy’ now involves balancing various elements. Technically, the RSI indicates oversold conditions (RSI: 29.4), potentially signaling a rebound opportunity. The company shows strong earnings growth (31.30% YoY) and a potentially attractive forward P/E (12.64x). However, it faces competitive pressures and has moderate volatility (32.1% annualized).
Weigh these factors against your own investment goals and risk profile. Consult a financial advisor before investing.
How volatile is PYPL stock?
Based on the recent 30-day price action, PYPL’s annualized volatility is approximately 32.1%. This level is considered moderate, indicating the degree of recent price fluctuation. This aligns with its Beta of 1.43x, meaning it tends to be more sensitive to overall market movements than the average stock. Higher volatility means larger potential price swings, both up and down.
What is PYPL’s P/E ratio and what does it mean?
PYPL’s Trailing P/E ratio (based on past earnings) is 12.42x, while its Forward P/E (based on expected earnings) is 12.64x. These are considered relatively low, suggesting the stock might be undervalued or that growth expectations are conservative. A P/E ratio indicates how much investors are paying per dollar of earnings. Comparing it to industry peers and historical levels helps determine if it’s a value or growth play. For PayPal, these numbers suggest potential value given its growth.
What are the key upcoming events for PYPL?
A key upcoming event noted is the ex-dividend date on 2025-11-19, which is relevant for income investors (though PayPal doesn’t pay a regular dividend, this date might pertain to a special distribution or a policy change). Beyond this, investors should closely monitor macroeconomic shifts, actions by competitors in the digital payment space, and any major corporate announcements from PayPal itself, especially around earnings reports.
What does PYPL’s liquidity position reveal about its financial health?
PYPL’s financial health includes an adequate Current Ratio of 1.34x, suggesting it can cover short-term liabilities. More importantly, its robust operating cash flow ($6.43 billion) and levered free cash flow ($3.13 billion) provide a significant buffer. These strong cash generation capabilities are critical factors in the company’s ability to fund operations, manage debt, and invest in future growth.
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