PayPal Holdings, Inc.(PYPL)NASDAQ
Stock Overview & Analysis
PayPal Holdings, Inc. (PYPL) quick overview 2026-02-20
- The stock is currently trading at $41.65, experiencing a short-term pullback within a declining trend—trading below its 50-day average while below the 200-day.
- Analysts appear optimistic, with a 1-year price target of $51.88 (24.6% upside).
- Volatility is elevated (63.04% annualized), implying wide price swings.
- The fundamental story is nuanced: solid revenue growth (3.70% YoY) alongside significant competitive pressures.
Here's What You Need to Know Right Now
Concise, actionable context
PayPal Holdings, Inc. - Historical Price & Volume
Market Cap
Enterprise Value: $40.04B
P/E Ratio
Forward P/E: 7.08
Revenue Growth
Year over Year
Analyst Target
+24.6% upside potential
Key Investor Questions
Clarity over jargon
- Technicals say: Neutral (RSI 32.31)
- Fundamentals say: Caution warranted (high leverage concerns)
- Future growth will depend on performance in core Credit Services operations.
- The ability to manage competitive pressures will be crucial for sustained growth.
- $12.30B in debt could be a headwind in a high-rate environment.
- Fierce competition from established players in Credit Services.
Trading Range
Over the past year, the stock traded between $38.46 and $79.50—recovering meaningfully from lows and currently near the higher end. Big swings are likely unless a major catalyst emerges.
Volatility
With 63.04% annualized volatility and β=1.42, the stock exhibits high sensitivity to market moves—suitable for investors comfortable with active risk management.
Ownership Snapshot
High institutional backing, but elevated short interest signals a potential battleground stock.
Analyst Sentiment
Latest News
Recent headlines and coverage
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1 Reason to Like PYPL and 1 to Stay Skeptical
PayPal has gotten torched over the last six months - since August 2025, its stock price has dropped 38.8% to $41.65 per share. This was partly driven by its softer quarterly results and may have investors wondering how to approach the situation.
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Down More Than 45%, Is PayPal Stock a Buy Now?
PayPal stock has significantly underperformed the broader index over the past year, declining more than 45% from its 52-week high.
How The Narrative Around PayPal Holdings PYPL Is Shifting With Cautious Targets And New AI Deals
What Changed in the New Fair Value for PayPal? The latest update to the PayPal Holdings narrative centers on a reset in the modeled fair value from US$73.33 to US$51.88, a roughly 29% reduction that reflects more cautious assumptions around the business. The discount rate in the model is now 7.83% instead of 7.79%, alongside a lower assumed long term revenue growth rate of 4.21% instead of 6.55%, echoing the more mixed tone in recent research where many firms have trimmed targets even as some...
PayPal Resets With AI Travel Push New Checkout And Incoming CEO
PayPal Holdings (NasdaqGS:PYPL) has announced new partnerships with Sabre and Mindtrip to build an AI driven travel booking experience. The company is also working with The OLB Group on a new global checkout experience for merchants. Enrique Lores has been named as the incoming CEO, signaling a change at the top of the company. For investors watching PayPal at a share price of $41.45, these moves arrive after a tough stretch for NasdaqGS:PYPL. The stock shows a 47.0% decline over the past...
Bear Market Sell-Off: Is PayPal Stock a Buy After Its 20% Plunge?
Investors in this digital payments enterprise have been waiting years for things to turn around.
Frequently Asked Questions
Common investor questions about PayPal Holdings, Inc.
PayPal Holdings, Inc. (PYPL) is currently trading at $41.65. The RSI (14-day) is at 32.3, indicating neutral territory. Wall Street analysts have a consensus "hold" recommendation. The mean analyst price target of $51.88 implies 24.6% upside from current levels. Volatility is high at 63.0% annualized, meaning significant price swings are common. Investors should consider their risk tolerance, investment horizon, and portfolio diversification before making a decision.
Based on current valuation metrics for PayPal Holdings, Inc. (PYPL): The trailing P/E ratio is 7.61, which is below the market average of ~20-22, suggesting the stock may be undervalued relative to peers. The forward P/E is 7.08, lower than the trailing P/E, suggesting analysts expect earnings improvement. The PEG ratio is 0.63, below 1.0, which generally indicates the stock is undervalued relative to its growth rate. Price-to-Book is 1.87. Price-to-Sales is 1.16. Valuation should be compared to Credit Services industry peers for context, as different sectors trade at different multiples.
Based on 33 analysts covering PYPL, the consensus price target is $51.88. This represents a 24.6% upside from the current price of $41.65. The range spans from a low target of $32.00 to a high target of $100.00, reflecting varying levels of optimism among analysts. The consensus recommendation is "hold". Note: Analyst price targets are forward-looking estimates and not guarantees of future performance.
Yes, PayPal Holdings, Inc. (PYPL) pays a dividend with a current yield of approximately 1.34%. The annualized dividend rate is $0.28 per share. The payout ratio is 2.6%, which is conservative and suggests the dividend is well-covered by earnings with room for future increases. The most recent ex-dividend date was 2026-03-04.
Key risks for PayPal Holdings, Inc. (PYPL) investors include: 1. High volatility (63.0% annualized)—the stock can experience significant daily price swings. 2. Broader market and macroeconomic risks (interest rates, inflation, geopolitical events). 3. Credit Services sector-specific competitive pressures. Investors should diversify and consider their risk tolerance before investing.
Here is PayPal Holdings, Inc.'s (PYPL) current debt and financial health profile: Total debt stands at $12.30B. The debt-to-equity ratio is 60.70, which is moderate and generally manageable for most companies. The current ratio is 1.29, indicating adequate short-term liquidity. The quick ratio is 0.24. The company holds $10.42B in cash and equivalents. Free cash flow is positive at $3.27B, providing a cushion for debt servicing and shareholder returns.