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As of September 27, 2026, PayPal Holdings, Inc. (PYPL) trades at $55.04. CleaRank Financial AI rates it Hold with a fair value of $57.07, 3.7% above the current price. Wall Street's consensus target is $57.00 across 43 analysts. RSI at 50 is in neutral territory, and the price is below its 50-day average of $56.79.
PayPal Holdings, Inc. (PYPL)
PayPal Holdings, Inc. NASDAQ
$55.04
2.440 (4.64%)
At close: Sep 25, 4:00 PM EDT
AI Analyst Consensus
54 / 100
PayPal Holdings, Inc. is currently trading at $55.04, below its 50-day moving average but above its 200-day moving average, indicating a mixed technical picture. The company's revenue growth has been modest at 4.8%, and while its profit margin stands at 14.36%, it lags behind the sector median of 11.7% for revenue growth. Wall Street analysts maintain a consensus 'Hold' rating with a median price target of $57.00, suggesting limited upside from current levels. Insiders have been net sellers, with over $10.2 million in sales in recent filings, signaling a moderate sell signal. This insider activity, combined with a large number of 'Hold' ratings from analysts, suggests a cautious outlook for the stock in the near to medium term. The company's dividend yield of approximately 1.02% offers some return, but the overall sentiment points towards a period of consolidation rather than significant growth.
PYPL Price Analysis
Market Metrics
Open
$52.59
Day Range
$52.31 to $55.55
Prev Close
$52.60
Volume
20.38M
52-Week Range
$38.46 to $79.22
Market Cap
$47.08B
Peer Benchmarking
Valuation vs Sector (Financial Services)
Performance vs KBE
Sector Position Analysis
Trading at a notable discount to sector peers (-37%), which may indicate undervaluation or specific company headwinds.
PYPL Financial Performance
Revenue vs. Earnings
Annual
Quarterly
Earnings Reality Check
Analysis: In the last 4 quarters, PYPL beat estimates 4 times. However, the stock fell 2 times the next day. This suggests positive news is often "priced in" or investors are selling the news.
PYPL Analysis
Company's Health
3/5
12-Month Analyst Target
+3.56% Upside
Median of 43 analysts (12-month)
$57.00
AI Technical Analysis
Volume has surged 46.2% above its average, indicating increased investor interest, as PayPal Holdings, Inc. trades above its 20-day and 200-day moving averages but below its 50-day moving average. The Relative Strength Index (RSI) is at 50.4, indicating neutral momentum, while the Stochastic Oscillator is in overbought territory at 89.35. The MACD is currently negative at -0.96, suggesting bearish momentum. Key support is seen around the 200-day SMA of $50.45, with resistance near the 50-day SMA of $56.79. The current price action suggests a battle between short-term weakness and longer-term stability. The elevated volume could precede a directional move, but the neutral RSI and negative MACD suggest caution is warranted until a clearer trend emerges.
ProTips
- Monitor insider transactions closely; continued net selling could signal further downside pressure.
- Watch for PayPal to break decisively above its 50-day SMA ($56.79) as a sign of renewed bullish momentum.
- As an MLP, PayPal Holdings, Inc. issues Schedule K-1 tax forms instead of standard 1099-DIV forms, which may create complex tax obligations-especially if held in a retirement account (IRA/401k). Consult a tax advisor.
Key Catalysts
Bearish
Continued Insider Selling Pressure
Over $10.2 million in insider sales across 122 transactions suggest a lack of confidence from management, potentially weighing on the stock price.
Source: Insider Transactions DataNeutral
Mixed Analyst Ratings
With 43 analysts covering the stock, the majority (33) maintain a 'Hold' rating, indicating a lack of strong conviction for significant upside or downside.
Source: Wall Street ConsensusBullish
Positive Earnings Beat in Q2 2026
PayPal exceeded EPS estimates by 7.81% in its most recent reported quarter, demonstrating operational execution capability.
Source: Earnings ReportNeutral
Trading Below 50-Day SMA
The stock's current price is below its 50-day Simple Moving Average, suggesting short-term weakness and potential resistance at this level.
Source: Technical AnalysisMarket Outlook
PayPal Holdings, Inc. is expected to maintain its current trading range in the next 6-12 months, with a base case scenario suggesting a potential move towards its median analyst target price of $57.00. The company's strong ROE and favorable P/E ratio provide a valuation floor, while modest revenue growth and analyst estimates for the next year indicate a stable, albeit not explosive, trajectory. Potential upside catalysts include better-than-expected earnings surprises or a significant shift in insider sentiment towards buying. Conversely, a failure to accelerate revenue growth, increased competitive pressure from fintech rivals, or a continuation of insider selling could push the stock towards its downside projection of $24.00. The company's dividend of approximately $0.56 per share offers a small yield, providing some support.
Key Statistics
| Market Cap | 47.08B |
|---|---|
| P/E Ratio | 10.40 |
| EPS (TTM) | 5.29 |
| Dividend Yield | 1.02% |
| 52 Week High | 79.22 |
| 52 Week Low | 38.46 |
PayPal Holdings, Inc. trades at a Price-to-Earnings ratio of 10.40, which is below the sector median of 16.5, suggesting it may be undervalued on this metric. Its Price-to-Sales ratio of 1.39 is also below the sector median of 3.8. The company's Return on Equity (ROE) stands at a strong 24.50%, significantly above the sector median of 13.8, indicating efficient use of shareholder equity. However, its revenue growth of 4.8% is below the sector average of 11.7%. The company's profit margin of 14.36% and operating margin of 16.97% are healthy, but the moderate revenue growth and significant insider selling temper the positive valuation and ROE figures. The debt-to-equity ratio of 0.72 is within reasonable bounds compared to the sector average of 0.72.
Earnings & Growth Analysis
PayPal Holdings, Inc. most recently reported earnings for the quarter ending June 2026, with an actual EPS of $1.38, beating the estimated $1.28 by 7.81% and resulting in a 0.05% price increase. The company has a history of beating estimates, with the prior quarter also showing a positive surprise. However, the quarter ending March 2026 saw a significant EPS miss of -$0.97 against an estimate of -$3.78, which was a 74.34% surprise and led to a 2.48% price increase, indicating a volatile earnings history. Forward estimates suggest modest revenue growth of 3.00% for the current quarter and 4.00% for the next quarter. Current year EPS is estimated at $5.39, with a slight increase to $5.79 for next year. The long-term growth estimate for the next five years is projected at 5.1% annually.
Key Risks
Significant insider selling, with over $10.2 million in sales, presents a key risk, indicating a lack of strong conviction from management. The moderate revenue growth of 4.8% and a large proportion of 'Hold' ratings from Wall Street analysts suggest limited near-term catalysts for substantial upside. Also, the stock's position below its 50-day moving average indicates potential short-term weakness.
Technical Indicators
| RSI (14) | 50.40 |
|---|---|
| MACD | -0.96 |
| SMA 50 | 56.79 |
| SMA 200 | 50.45 |
RSI
Neutral
SMA Cross
Bullish
Price vs SMA
Bearish
MACD
Bearish
Golden Cross in effect with the 50-day SMA ($56.79) above the 200-day SMA ($50.45), price is trading below the 50-day SMA.
Market Correlations
How this stock moves relative to other assets
Based on 1 year of daily price data. Correlations may vary over different time periods.
S&P 500 (SPY)
+0.47
Moderate correlation
Nasdaq 100 (QQQ)
+0.40
Weak correlation
Bitcoin (BTC)
+0.26
Weak correlation
Gold (XAU)
-0.01
Weak correlation
Check Custom Correlation
How does any other asset move with PYPL? One year of daily closes, Pearson correlation.
Try
PYPL Trade Plans
Specific entry, exit, and risk management levels
Select Your Trade Bias
Risk Tolerance
Conservative
2%
Aggressive
Portfolio Value
$
Position Size: Enter portfolio size →
Entry Strategies pick an entry style
Conservative
$54.49
Slight discount to current
Wait for small dip
Aggressive
$55.04
At current price
Enter now if confident
Risk Management
STOP LOSS
$49.43
MAX LOSS
-9.3%
Volatility-Adjusted Stop Loss
Calculated based on RSI (50.4) and current market volatility
Profit Targets (Based on Conservative Entry)
TARGET 1
$56.12
+3% (Conservative)
+2.0% (Aggressive)
TARGET 2
$57.21
+5% (Conservative)
+4.0% (Aggressive)
TARGET 3
$58.85
+8% (Conservative)
+6.9% (Aggressive)
Consider scaling out: Take 50% profit at Target 1, 30% at Target 2, let 20% run to Target 3
Calculate Your Trade
High-Volatility Risk Disclaimer
PYPL is classified as a high-volatility asset (Daily Vol: 3.03%). Aggressive price swings can lead to rapid capital loss. Liquidity risks may prevent exiting trades at desired prices. This AI-generated analysis is for educational purposes only and is not financial advice. Generated on September 27, 2026.Growth of $10,000
A $10,000 investment in PYPL in September 2016 would be worth about $13,405 today, compared with about $35,782 for the same investment in the S&P 500 benchmark.
Compare with Another Ticker
Monte Carlo Projection (10yr)
CleaRank's 10-year Monte Carlo simulation projects that a $10,000 investment in PYPL today could grow to about $16,116 by 2036 in the base case, with a bull case near $80,975 and a bear case around $3,208. Projections are statistical simulations, not guarantees.
PYPL Stock Price Prediction: 2030
CleaRank's simulation projects a price near $66.62 for PYPL by 2030 in the base case, from $55.04 today (1.2x over 4 years). The downside path ends near $24.00. These are outcomes of a Monte Carlo simulation run on PYPL's historical return distribution, not price targets, and they assume no dividends are reinvested.
| Year | Downside (10th pct) | Base case | Upside (90th pct) |
|---|---|---|---|
| 2027 | $34.65 | $57.73 | $96.18 |
| 2028 | $29.42 | $60.55 | $125 |
| 2029 | $26.23 | $63.51 | $154 |
| 2030 | $24.00 | $66.62 | $185 |
| 2031 | $22.31 | $69.87 | $219 |
| 2032 | $20.99 | $73.29 | $256 |
| 2033 | $19.92 | $76.87 | $297 |
| 2034 | $19.03 | $80.63 | $342 |
| 2035 | $18.29 | $84.57 | $391 |
| 2036 | $17.65 | $88.70 | $446 |
Method: 10,000 simulated price paths using PYPL's historical volatility and drift, re-run daily. The base case is the median path; the two outer columns are the 10th and 90th percentile outcomes, which widen with time because uncertainty compounds. Simulations are not guarantees, and past volatility does not predict future returns. This is analysis, not investment advice.
People Also Watch
PYPL Insider Trading Analysis
Bought
None
No open-market buys
Sold
$10.2M
30 Transactions
Insiders
20
Active Traders
Avg Transaction
$339.1K
Moderate size
| Date | Insider | Type | Shares | Value |
|---|---|---|---|---|
| Mar 3, 2021 | PENTLAND ADELE LOUISE
Officer
|
Sell | 75.3K | $19.7M |
| Mar 3, 2021 | RAINEY JOHN D
Officer
|
Sell | 73.8K | $19.3M |
| Feb 23, 2021 | AUERBACH JONATHAN
Officer
|
Sell | 46.1K | $12.1M |
| Mar 2, 2021 | SHIVANADA SRIPADA
Chief Technology Officer
|
Sell | 40.3K | $11.0M |
| Mar 3, 2021 | KARCZMER AARON
Officer
|
Sell | 39.8K | $10.4M |
| Mar 2, 2020 | PENTLAND ADELE LOUISE
Officer
|
Sell | 92.7K | $10.0M |
| May 19, 2020 | AUERBACH JONATHAN
Officer
|
Sell | 64.6K | $9.6M |
| Mar 2, 2020 | RAINEY JOHN D
Chief Financial Officer
|
Sell | 87.9K | $9.5M |
| Mar 3, 2020 | KARCZMER AARON
Officer
|
Sell | 51.7K | $5.8M |
| Dec 1, 2020 | SCHULMAN DANIEL H
Chief Executive Officer
|
Sell | 25.0K | $5.4M |
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Frequently Asked Questions
Is PayPal Holdings, Inc. stock a buy right now?
PayPal Holdings, Inc. is currently rated as a 'Hold' by Wall Street analysts, with a consensus score of 54 out of 100. The median analyst price target is $57.00, offering a modest 3.56% upside from the current price of $55.04. Significant insider selling and neutral technical momentum suggest a cautious approach is warranted.
What is PayPal's stock price forecast for 2030?
Based on Monte Carlo simulations, PayPal's stock price forecast for 2030 has a base case of $66.62, a downside projection of $24.00, and an upside projection of $184.92. These figures represent statistical outcomes and are not definitive price targets.
What is PayPal's current valuation compared to its sector?
PayPal Holdings, Inc. appears undervalued relative to its sector peers, trading at a P/E ratio of 10.40 compared to the sector median of 16.5, and a P/S ratio of 1.39 versus the sector median of 3.8. Its ROE of 24.50% also significantly outperforms the sector median of 13.8%.
How has PayPal performed in recent earnings reports?
PayPal recently reported a positive earnings surprise for the quarter ending June 2026, beating estimates by 7.81%. However, the company has shown volatility in its earnings performance, with a notable miss in the March 2026 quarter. Forward estimates indicate modest revenue growth and earnings per share increases.
What are the key technical indicators for PayPal stock?
PayPal's technical indicators show mixed signals. The RSI is neutral at 50.4, while the MACD indicates bearish momentum. The stock is trading above its 20-day and 200-day SMAs but below its 50-day SMA, suggesting a consolidation phase with key support at $50.45 and resistance at $56.79.
Are PayPal insiders buying or selling stock?
Insiders at PayPal Holdings, Inc. are net sellers of the stock. There have been no reported insider purchases, while total sales amount to over $10.2 million in recent filings, indicating a moderate sell signal.
What is the outlook for PayPal's revenue growth?
PayPal is projected to experience moderate revenue growth. Current estimates indicate a 3.00% year-over-year increase for the current quarter and 4.00% for the next quarter. The company's revenue growth for the current year is estimated at 5.00%, with a projected 4.00% growth for next year.