CleaRank Financial AI • AI-powered analysis using real-time market data from TwelveData
Analysis reviewed by Anthony Beachey, Financial Journalist. Data refreshed daily. Not financial advice.
PayPal Holdings, Inc. (PYPL) is currently trading at $56.10, just below its 50-day simple moving average but above its 200-day simple moving average, indicating a mixed technical picture. Recent earnings have shown slight beats and misses, with the latest quarter reporting EPS of $1.38 against an estimate of $1.28. Revenue growth has been modest at 4.8% year-over-year, and forward estimates suggest continued low single-digit growth. Despite a neutral 14-day RSI and MACD hovering near zero, the stock's position above its 200-day SMA offers some support. However, moderate insider selling totaling $10.2 million in the past reporting period, with no significant insider purchases, warrants caution. The company operates within the Credit Services industry, facing competition from other payment processors and fintech companies like Block (SQ) and Visa (V). Its valuation metrics, including a P/E ratio of 10.62, are below the sector median P/E of 16.5, but its revenue growth of 4.8% trails the sector average of 11.7%.
PYPL at a glance
PayPal Holdings, Inc. (PYPL): Hold, 54/100 on CleaRank's AI score.
TrendMixed: the price is above its 200-day but below its 50-day moving average ($50.07 and $56.16).
InsidersInsiders sold $10.2M and made no open-market purchases over the last 18 months.
ValuationP/E of 10.6 against 16.5 for the Financial Services sector: a discount to peers (-36%).
As of October 15, 2026, PayPal Holdings, Inc. (PYPL) trades at $56.10. Wall Street's consensus target is $56.50 across 42 analysts. The 14-day RSI (daily closes) is 58, in neutral territory, and the price is below its 50-day simple moving average of $56.16.
Figures as of October 15, 2026.
Only on CleaRank
Figures we compute ourselves from PYPL's own price, earnings and insider-filing history. Tap one to see it in context.
Trading at a notable discount to sector peers (-36%), which may indicate undervaluation or specific company headwinds.
PYPL Financial Performance
Revenue vs. Earnings
Annual
Quarterly
Earnings Reality Check
In the last 2 quarters, PYPL beat the analyst estimate 2 times; the stock fell in the first session after 1 of those beats.
PYPL earnings surprises and the stock's reaction
Report
EPS estimate
EPS actual
Surprise
First session
5 sessions
Jul 28, 2026
$1.28
$1.38
+7.81%
+0.05%
+0.38%
Apr 24, 2026
$1.56
$1.59
+1.92%
-1.41%
-0.08%
The first session is the first full trading day on the news: the report day itself for a report before the open, the next day for one after the close. Surprise is actual EPS against the consensus estimate.
As of October 15, 2026, PYPL has beaten the analyst EPS estimate in 2 of its last 2 reported quarters and fell in the first trading session after 1 of those beats; its latest report, on July 28, 2026, came in 7.81% above the estimate and the stock moved +0.05% in the first session.
PYPL Analysis
Company's Health3/5
12-Month Analyst Target+0.71% above price
Median of 42 analysts (12-month)
$56.50
AI Analyst Consensus ScoreHold
PayPal Holdings, Inc. (PYPL) is exhibiting mixed technical signals, with its latest trading volume of 9.87 million shares slightly below its 9.98 million share average, indicating a lack of strong conviction. The stock is trading below its 50-day simple moving average of $56.16, suggesting short-term weakness, but remains above its 200-day simple moving average of $50.07, indicating a longer-term uptrend is still intact. The 14-day RSI is at 58.21, in neutral territory, and the MACD is hovering near zero, suggesting a lack of strong momentum in either direction. Key support is identified at the 200-day SMA of $50.07, while resistance may be found near the 50-day SMA at $56.16 and the current price of $56.10. The stochastic oscillator is in overbought territory at 92.69, which could signal a potential pullback, although the RSI's neutral status tempers this concern. The overall chart structure suggests a period of consolidation as the stock attempts to break out of its current trading range.
ProTips
Monitor PayPal's ability to accelerate revenue growth beyond the current 4.8% to challenge its sector peers and justify a higher valuation multiple.
The stock's current position below its 50-day SMA suggests caution, with resistance expected near $56.16; a decisive break above this level could signal renewed upward momentum.
Key Catalysts
BullishConsistent EPS Beats
PayPal has demonstrated a pattern of beating analyst EPS estimates in recent quarters, indicating effective cost management and operational efficiency.
Source: Earnings Reports
NeutralModerate Insider Selling
Insiders have sold approximately $10.2 million worth of stock, with no significant purchases reported, suggesting a lack of strong insider conviction at current price levels.
Source: Insider Transactions
BullishBelow Sector Median P/E Ratio
PayPal's P/E ratio of 10.62 is below the Financial Services sector median of 16.5, potentially indicating an undervalued stock relative to its earnings.
Source: Company Fundamentals
BearishSlower Revenue Growth vs. Sector
PayPal's revenue growth of 4.8% lags behind the Financial Services sector average of 11.7%, highlighting competitive pressures and potential market share challenges.
Source: Sector Averages
Market Outlook
PayPal Holdings, Inc. (PYPL) is expected to maintain its current trading range in the near term, with a base case scenario suggesting a modest increase towards its median Wall Street price target of $56.50. The stock's position above the 200-day SMA provides a degree of support, and recent earnings have shown consistent EPS beats, indicating operational resilience. However, the neutral technical momentum and moderate insider selling suggest that significant upside catalysts are needed to drive the stock higher. Potential upside could be driven by stronger-than-expected revenue growth, successful new product launches, or a shift in analyst sentiment. Conversely, increased competition, regulatory headwinds, or a slowdown in consumer spending on digital payments could pressure the stock lower.
Key Statistics
Market Cap
48.36B
P/E Ratio
10.62
EPS (TTM)
5.29
Dividend Yield
1.00%
52 Week High
79.22
52 Week Low
38.46
As of October 15, 2026, PYPL trades at $56.10, with a market value of $48.36B, a P/E ratio of 10.62 and a dividend yield of 1.00%.
PayPal Holdings, Inc. (PYPL) presents a mixed fundamental picture, with a P/E ratio of 10.62 that is below the Financial Services sector median of 16.5, suggesting a potentially attractive valuation. However, its revenue growth of 4.8% lags behind the sector average of 11.7%, and its price-to-sales ratio of 1.42 is also below the sector median of 3.8. The company's profitability metrics are strong, with a net profit margin of 14.36% and a return on equity of 24.50%, both exceeding sector averages. While the current valuation appears reasonable relative to earnings, the slower revenue growth compared to peers and the sector average raises questions about its future expansion potential. Forward estimates indicate modest earnings growth of approximately 1.5% for the current year and 7.3% for next year, suggesting a mature growth phase.
Earnings & Growth Analysis
PayPal Holdings, Inc. (PYPL) most recently reported earnings on July 28, 2026, with an Earnings Per Share (EPS) of $1.38, surpassing the analyst estimate of $1.28 by 7.81% and resulting in a 0.05% stock price increase. Prior to this, on April 24, 2026, the company reported an EPS of $1.59, beating the estimate of $1.56 by 1.92%, though the stock saw a 1.41% decline. The company has demonstrated a pattern of beating EPS estimates in recent quarters, indicating operational efficiency.
Key Risks
PayPal Holdings, Inc. (PYPL) faces moderate selling pressure from insiders, with $10.2 million in sales and no reported purchases, signaling a lack of immediate insider conviction. The company's revenue growth of 4.8% is notably below the Financial Services sector average of 11.7%, indicating potential challenges in expanding its market share against competitors like Block (SQ) and Visa (V). Also, the stock's price action is currently testing resistance near its 50-day moving average, suggesting a potential for near-term headwinds if it cannot break through.
Technical Indicators i
RSI (14-day)
58.21
MACD (12, 26)
0.262
SMA (50-day)
56.16
SMA (200-day)
50.07
Technical RatingBullish
RSI
Neutral
SMA Cross
Bullish
Price vs SMA
Bearish
MACD
Bullish
Golden Cross in effect with the 50-day SMA ($56.16) above the 200-day SMA ($50.07), price is trading below the 50-day SMA.
As of October 15, 2026, with PYPL at $56.10, its 14-day RSI is 58.2 (neutral territory), its 50-day simple moving average is $56.16 and its 200-day is $50.07.
Calculated by CleaRank on daily closes as of October 15, 2026: Wilder's 14-day RSI, 50- and 200-day simple moving averages, MACD line (12, 26).
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)+0.46
Moderate correlation
Nasdaq 100 (QQQ)+0.40
Weak correlation
Bitcoin (BTC)+0.24
Weak correlation
Gold (XAU)-0.01
Weak correlation
As of October 15, 2026, PYPL's 1-year correlation of daily returns is +0.46 with S&P 500 (SPY), +0.40 with Nasdaq 100 (QQQ), +0.24 with Bitcoin (BTC) and -0.01 with gold (XAU).
Check Custom Correlation
How does any other asset move with PYPL? One year of daily closes, Pearson correlation.
Try
PYPL Wall Street View
12-month price targets
Low $36.00Median $56.50 (+0.7%)High $80.00
Ratings
Buy 7Hold 32Sell 33 months ago: 8 of 43 buy
Recent rating actions
Recent analyst rating actions on PYPL
Date
Firm
Action
Rating
Oct 9, 2026
Barclays
Maintains
Equal-Weight
Aug 31, 2026
Truist Securities
Maintains
Hold
Aug 31, 2026
RBC Capital
Maintains
Outperform
Aug 28, 2026
Loop Capital
Maintains
Hold
Aug 19, 2026
Truist Securities
Maintains
Hold
Aug 17, 2026
Piper Sandler
Maintains
Neutral
As of October 15, 2026, 42 Wall Street analysts cover PYPL: 7 rate it a buy or strong buy, 32 a hold and 3 a sell or strong sell. Their 12-month price targets range from $36.00 to $80.00, with a median of $56.50, 0.7% above the price of $56.10.
Source: TwelveData analyst consensus. Targets and ratings belong to the analysts, not to CleaRank.
PYPL Trade Plans
Specific entry, exit, and risk management levels
Select Your Trade Bias
Risk Tolerance
Conservative2%Aggressive
Portfolio Value
$
Position Size: Enter portfolio size →
Entry Strategies pick an entry style
Conservative
$55.54
Slight discount to current
Wait for small dip
Aggressive
$56.10
At current price
Enter now if confident
Risk Management
STOP LOSS
$53.87
MAX LOSS
-3.0%
Volatility-Adjusted Stop Loss
Calculated based on RSI (58.2) and current market volatility
These levels come from PYPL's moving averages and recent volatility, not from a forecast. Educational levels, not financial advice; the full disclaimer is at the foot of the page.
Growth of $10,000
A $10,000 investment in PYPL in October 2016 would be worth about $14,210 today, compared with about $36,237 for the same investment in the S&P 500 benchmark. This is price change only; dividends paid along the way would add to it.
Compare with Another Ticker
PYPL Drawdowns & Recovery
Worst fall, last 10 years
-86.7%
July 2021 to February 2026
Recovery
Not yet
still 81.7% below the July 2021 peak
From the 10-year high
-81.7%
highest close, July 2021
1-year holds that gained
56%
of every 1-year window
As of October 15, 2026, PYPL's worst peak-to-trough fall over the last 10 years was -86.7% (July 2021 to February 2026); it is still 81.7% below that peak, and 56% of 1-year holding periods ended with a gain.
From weekly closing values. A drawdown is the fall from the highest value reached so far to a later low.
Monte Carlo Projection (10yr)
CleaRank's 10-year Monte Carlo simulation projects that a $10,000 investment in PYPL today could grow to about $16,326 by 2036 in the base case, with a 90th-percentile outcome near $82,094 and a 10th-percentile outcome around $3,247. The simulation models price only; at today's 1.00% yield, dividends would add to these figures. Projections are statistical simulations, not guarantees.
PYPL Stock Price Prediction: 2030
CleaRank's simulation projects a price near $68.25 for PYPL by 2030 in the base case, from $56.10 today (1.2x over 4 years). The 10th-percentile path ends near $24.57. 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.
PYPL simulated price paths by year
Year
10th percentile
Base case
90th percentile
2027
$35.35
$58.92
$98.19
2028
$30.05
$61.88
$127
2029
$26.83
$64.99
$157
2030
$24.57
$68.25
$190
2031
$22.88
$71.68
$225
Method: a lognormal simulation of PYPL's own volatility and capped historical trend, re-run daily; base case is the median path, the outer columns the 10th and 90th percentiles.
As of October 15, 2026, PYPL insiders reported 30 open-market sales worth $10.2M and no open-market purchases over the last 18 months; grants and option exercises are not counted.
Recent insider transactions in PYPL
Date
Insider
Type
Shares
Value
Sep 15, 2026
MILLER JAMIE S
Chief Operating Officer
Grant
12.0K
-
Sep 3, 2026
KELLER FRANK
Officer
Sell
4.6K
$255.7K
Sep 3, 2026
KEREERE SUZAN
Officer
Sell
3.4K
$188.3K
Sep 3, 2026
NATALI CHRIS
Officer
Sell
552
$30.3K
Sep 1, 2026
KELLER FRANK
Officer
Grant
10.3K
-
Sep 1, 2026
KEREERE SUZAN
Officer
Grant
6.9K
-
Sep 1, 2026
MILLER JAMIE S
Chief Operating Officer
Grant
7.4K
-
Sep 1, 2026
NATALI CHRIS
Officer
Grant
1.1K
-
Sep 1, 2026
WEBSTER AARON JAMES
Officer
Grant
4.6K
-
Aug 18, 2026
KEREERE SUZAN
Officer
Sell
4.2K
$253.7K
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Frequently Asked Questions
What is PayPal's long-term outlook?
PayPal's long-term outlook appears stable, with projected earnings growth of around 5.7% annually over the next five years. Continued innovation in digital payments and expansion into new markets will be key drivers for its long-term success.
How does PayPal's valuation compare to its peers?
PayPal's P/E ratio of 10.62 is below the Financial Services sector median of 16.5, suggesting it may be undervalued on an earnings basis. However, its revenue growth of 4.8% trails the sector average of 11.7%, indicating that the lower P/E might reflect slower growth prospects compared to some peers.
What is PayPal's current technical momentum?
PayPal's technical momentum is currently neutral. The 14-day RSI is at 58.21, and the MACD is near zero, indicating a lack of strong directional pressure. While the stock is above its 200-day SMA, it is trading below its 50-day SMA, suggesting short-term consolidation.
What are PayPal's forward-looking growth estimates?
Analysts project modest growth for PayPal, with an average EPS estimate of $5.39 for the current year and $5.78 for next year. Revenue growth is estimated at 5.00% for the current year and 4.00% for next year, with a projected 5-year average annual growth rate of 5.7%.
Does PYPL pay a dividend?
Yes. As of October 15, 2026, PYPL's dividend yield is 1.00%, or about $0.56 per share a year at the current price of $56.10. Yields move with the share price and with changes to the payout.
Are insiders buying or selling PYPL?
Selling, on balance. In the last 18 months, PYPL's officers, directors and large holders reported 30 sales worth $10.2M and no open-market purchases. Grants and option exercises are not counted as buying.
What is the analyst price target for PYPL?
As of October 15, 2026, the 42 Wall Street analysts covering PYPL have 12-month targets from $36.00 to $80.00, with a median of $56.50, 0.7% above the current price of $56.10. 7 rate it a buy or strong buy, 32 a hold and 3 a sell or strong sell. Three months ago 8 of 43 rated it a buy.
What is PYPL's biggest drop in the last 10 years?
PayPal Holdings, Inc. (PYPL)'s worst peak-to-trough fall over the last 10 years was -86.7%, from July 2021 to February 2026. It has not regained that peak yet and is still 81.7% below it. Over the same period, 56% of 1-year holding periods ended with a gain.
What are PYPL's best and worst months?
Over the last 10 years, July has been PYPL's strongest month on average (+9.76%, rising in 8 of 10 years) and February its weakest (-6.89%, rising in 3 of 10 years). Seasonal averages describe the past and do not predict a given year.
How closely does PYPL move with the stock market?
Over the past year PYPL's daily returns were moderately correlated with the S&P 500 (SPY) (+0.46). Nasdaq 100 (QQQ): +0.40; Bitcoin (BTC): +0.24; Gold (XAU): -0.01. A figure near +1 means the two usually move together; near 0 means little relationship.
