PayPal Holdings, Inc. (PYPL) Stock Price & Analysis
PayPal Holdings, Inc. (PYPL) closed at USD 57.54 on Thursday, October 22, 2026, up 0.59% on the day. The US market is currently closed (pre-market); this is not a live price.
The prior close was USD 57.2; the Oct 22, 2026 session ranged USD 56.81–57.61 on volume of 7,499,012 shares. Market capitalization is $49.22B, with a 52-week range of USD 38.46–79.22 (NMS). Source: Nexqual, retrieved October 23, 2026 at 09:23 UTC.
Also available as compact Markdown for AI agents: nexqual.com/PYPL.md
Key facts (PYPL)
- Last four reported quarters (through Jun 30, 2026): revenue $34.1B, net income $4.90B (14.4% margin), free cash flow $6.59B (SEC filings).
- Valuation: P/E 10.0x (avg 16.1x at the last 3 fiscal year-ends), EV/EBITDA 7.4x, net debt $2.14B.
- 8 of 80 tracked superinvestors hold PYPL (13F, Q2 2026 (1 investor on Q3 2026, filed early)): 1 new, 2 added, 2 reduced, 3 unchanged.
- Insider open-market sales, last ~7 months: 12 Form 4 filings, $2.0M; 0 not under a Rule 10b5-1 plan ($0K); 0 by opportunistic insiders, 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
- Analysts: Hold (mean 2.89 on a 1–5 scale) (44 analysts), mean target USD 56.74 (range 36–80).
- Total return with dividends: 1Y -16.5% vs S&P 500 +14.9%; 5Y -75.8% vs S&P 500 +80.3%.
- Next earnings: 2026-10-27, EPS estimate USD 1.31, revenue estimate $8.71B.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (PYPL)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $25.4B | $27.5B | $29.8B | $31.8B | $33.2B | $34.1B |
| Operating income | $4.26B | $3.84B | $5.03B | $5.33B | $6.07B | $5.95B |
| Net income | $4.17B | $2.42B | $4.25B | $4.15B | $5.23B | $4.90B |
| EPS (diluted) | $3.52 | $2.09 | $3.84 | $3.99 | $5.41 | — |
| Free cash flow | $4.89B | $5.11B | $4.22B | $6.77B | $5.56B | $6.59B |
| Operating margin | 16.8% | 13.9% | 16.9% | 16.7% | 18.3% | 17.4% |
| Net margin | 16.4% | 8.8% | 14.3% | 13.0% | 15.8% | 14.4% |
| Revenue growth | +18.3% | +8.5% | +8.2% | +6.8% | +4.3% | — |
| Cash + short-term investments | $9.50B | $10.9B | $14.1B | $10.9B | $10.4B | — |
| Total debt | $8.05B | $10.4B | $9.68B | $9.88B | $11.6B | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (PYPL)
P/E 10.0x · P/S 1.4x · EV/EBITDA 7.4x · EV/Sales 1.5x · P/FCF 7.5x · P/B 2.5x · FCF yield 13.38% · Earnings yield 9.96% · Buyback yield (TTM) 12.30% · Net debt $2.14B · EV $51.4B
P/E at fiscal year-ends: Dec 2025 10.8x, Dec 2024 21.4x, Dec 2023 16.0x.
Superinvestors (SEC 13F-HR, Q2 2026) (PYPL)
8 of 80 tracked investors hold PYPL (1 investor on Q3 2026, filed early). Each row is the investor's latest 13F; change is vs their prior-quarter share count.
| Investor | Firm | % of portfolio | Value | Change | Quarter |
|---|---|---|---|---|---|
| Norbert Lou | Punch Card Management | 10.61% | $27.2M | Unchanged | Q2 2026 |
| Lindsell Train | 5.19% | $137M | Reduced -24.3% | Q2 2026 | |
| Francis Chou | Chou Associates | 3.34% | $7.2M | Unchanged | Q2 2026 |
| David Einhorn | Greenlight Capital | 1.57% | $61.5M | New position | Q2 2026 |
| Yacktman Asset Management | 1.24% | $100M | Added +1.2% | Q2 2026 | |
| First Pacific Advisors | 1.16% | $92.3M | Added +53.6% | Q2 2026 | |
| David Katz | Matrix Asset Advisors | 1.13% | $13.7M | Reduced -0.4% | Q3 2026 |
| Mason Hawkins | Southeastern Asset Management | 0.05% | $970K | Unchanged | Q2 2026 |
Insider sales (SEC Form 4, open-market, last ~7 months) (PYPL)
12 of 12 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan | Insider type |
|---|---|---|---|---|---|---|---|
| 2026-09-03 | Natali Chris | SVP, Chief Accounting Officer | 552 | $30K | 18.7% | Yes | Too little history (no open-market trades in 2023 or 2024) |
| 2026-09-03 | Kereere Suzan | President, Global Markets | 3,379 | $188K | 9.8% | Yes | Too little history (no open-market trades in 2023 or 2024) |
| 2026-09-03 | Keller Frank | Pres., Checkout Sol. & PayPal | 4,612 | $256K | 10% | Yes | Too little history (no open-market trades in 2023 or 2025) |
| 2026-08-18 | Kereere Suzan | President, Global Markets | 4,162 | $254K | 11.8% | Yes | Too little history (no open-market trades in 2023 or 2024) |
| 2026-07-29 | Natali Chris | SVP, Chief Accounting Officer | 1,337 | $78K | 37.6% | Yes | Too little history (no open-market trades in 2023 or 2024) |
| 2026-07-29 | Keller Frank | Pres., Checkout Sol. & PayPal | 732 | $43K | 1.7% | Yes | Too little history (no open-market trades in 2023 or 2025) |
| 2026-06-03 | Natali Chris | SVP, Chief Accounting Officer | 552 | $24K | 23.8% | Yes | Too little history (no open-market trades in 2023 or 2024) |
| 2026-06-03 | Kereere Suzan | President, Global Markets | 3,379 | $145K | 9.8% | Yes | Too little history (no open-market trades in 2023 or 2024) |
| 2026-06-03 | Keller Frank | Pres., Checkout Sol. & PayPal | 4,612 | $196K | 10% | Yes | Too little history (no open-market trades in 2023 or 2025) |
| 2026-05-19 | Kereere Suzan | President, Global Markets | 4,162 | $184K | 11.8% | Yes | Too little history (no open-market trades in 2023 or 2024) |
| 2026-04-29 | Natali Chris | SVP, Chief Accounting Officer | 1,337 | $66K | 45.7% | Yes | Too little history (no open-market trades in 2023 or 2024) |
| 2026-04-29 | Keller Frank | Pres., Checkout Sol. & PayPal | 10,732 | $536K | 20.5% | Yes | Too little history (no open-market trades in 2023 or 2025) |
% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.
Analysts (PYPL)
Consensus Hold (mean 2.89 on a 1–5 scale), 44 analysts; mean target USD 56.74 (low 36, high 80).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-10-09 | Barclays | Target lowered | Equal-Weight | $57 → $56 |
| 2026-08-31 | Truist Securities | Target lowered | Hold | $62 → $53 |
| 2026-08-31 | RBC Capital | Target raised | Outperform | $65 → $70 |
| 2026-08-28 | Loop Capital | Target lowered | Hold | $62 → $50 |
| 2026-08-19 | Truist Securities | Target raised | Hold | $59 → $62 |
| 2026-08-17 | Piper Sandler | Target raised | Neutral | $42 → $59 |
| 2026-08-03 | Cantor Fitzgerald | Target raised | Neutral | $54 → $60 |
| 2026-07-29 | JP Morgan | Target raised | Neutral | $46 → $65 |
| 2026-07-29 | TD Cowen | Target raised | Hold | $48 → $59 |
| 2026-07-29 | RBC Capital | Target raised | Outperform | $59 → $65 |
| 2026-07-29 | Susquehanna | Target raised | Positive | $63 → $67 |
| 2026-07-29 | Wells Fargo | Target raised | Equal-Weight | $48 → $56 |
Total return (dividends reinvested) (PYPL)
| 1Y (from 2025-10-23) | 5Y (from 2021-10-18) | |
|---|---|---|
| Total return | -16.5% | -75.8% |
| S&P 500 (SPY) | +14.9% | +80.3% |
| Per year | -16.5% | -24.6% |
| Volatility (annualized) | 43.6% | 43.1% |
| Max drawdown | -46.4% (Oct 2025→Feb 2026) | -83.2% (Oct 2021→Feb 2026) |
PYPL revenue by product line (quarter ended Jun 30, 2026)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| Transaction revenues | $7.83B | 90.2% | +5.3% |
| Revenues from other value added services | $850.0M | 9.8% | +0.4% |
| Total revenue | $8.68B | 100% | — |
PYPL revenue by region (quarter ended Jun 30, 2026)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| UNITED STATES | $5.05B | 58.1% | +7.2% |
| Other countries | $3.63B | 41.9% | +1.5% |
| Total revenue | $8.68B | 100% | — |
As tagged by the company in its SEC 10-Q / 10-K filings (XBRL).
Companies that name PYPL in their SEC reports
| Relationship to PYPL | Company | Filing | Sentence |
|---|---|---|---|
| competitor | IDT CORP (IDT) | 10-K Sep 29, 2026 | “Digital competitors such as Xoom (a subsidiary of PayPal), Wise, Remitly, and Sendwave along with traditional money remitters, including Western Union, Ria, MoneyGram, Intermex and Viamericas compete in the remittance space.” |
| supplier | LuxExperience B.V. (LUXE) | 20-F Sep 16, 2026 | “We accept payments using a variety of methods, including credit card, Mytheresa gift cards, debit card, PayPal, Alipay and WeChat Pay, among others, as well as cash in our store, which subjects us to certain regulations and the risk of fraud, and we may in the future offer new payment options to customers that would be subject to additional regulations and risks.” |
| supplier | EDUCATIONAL DEVELOPMENT CORP (EDUC) | 10-K May 19, 2026 | “PayPal payments from customers.” |
| customer | LightInTheBox Holding Co., Ltd. (LITB) | 20-F Apr 2, 2026 | “We rely on third parties, such as PayPal, Checkout, Stripe, Klarna, Apple Pay and Shop Pay to provide certain payment processing services, including the processing of credit card and debit card transactions.” |
| supplier | Designer Brands Inc. (DBI) | 10-K Mar 30, 2026 | “We accept customer payments using a variety of methods, including credit and debit cards, buy now pay later methods, PayPal, ApplePay, Venmo, and gift cards.” |
| competitor | PSQ Holdings, Inc. (PSQH) | 10-K Mar 17, 2026 | “PSQ Payments competes with payments processors offering services to merchants, including Stripe, Elavon, PayPal, and Fortis, to name a few.” |
| competitor | Fold Holdings, Inc. (FLDDW) | 10-K Mar 17, 2026 | “Across our product lines we compete with various financial services providers like Block, Inc., Robinhood Markets, Inc., Coinbase Global, Inc., Payward, Inc. (d/b/a Kraken), Fidelity Crypto, and PayPal Holdings, Inc., among others.” |
| supplier | USANA HEALTH SCIENCES INC (USNA) | 10-K Mar 16, 2026 | “The Company receives payments, primarily via credit card and PayPal, for the sale of products at the time customers place orders and subsequent subscription orders, and payment is required prior to shipment.” |
| partner | Asana, Inc. (ASAN) | 10-K Mar 13, 2026 | “A large portion of our customers authorize us to bill their credit card accounts or bill them via other payment methods, such as PayPal or other direct debit methods, through our third-party payment processing partners for our paid subscription plans.” |
| partner | EverCommerce Inc. (EVCM) | 10-K Mar 12, 2026 | “•Our information technology systems and our third-party providers' information technology systems, including Worldpay, PayPal and other payment processing partners, may fail, or our third-party providers may discontinue providing their services or technology generally or to us specifically, which in either case could interrupt our business, cause us to lose business and increase our costs.” |
| competitor | Atlanticus Holdings Corp (ATLC) | 10-K Mar 12, 2026 | “The private label credit and general purpose credit card finance activities of our issuing bank partners compete with facilitators and providers of legacy payment and consumer loan methods, such as credit and debit cards, including those provided by card issuing banks; technology solutions, including those provided by financial technology or payment companies; mobile wallets, such as Apple and PayPal; and pay-over…” |
| competitor | Chime Financial, Inc. (CHYM) | 10-K Mar 6, 2026 | “We also face competition from financial technology companies that offer or facilitate bank accounts, payments, and liquidity services, including Affirm, Klarna, and PayPal, and offerings such as Cash App.” |
| competitor | FIRSTSUN CAPITAL BANCORP (FSUN) | 10-K Mar 6, 2026 | “Companies as disparate as PayPal and Starbucks provide payment and exchange services which compete directly with banks in ways not possible traditionally.” |
| partner | Wix.com Ltd. (WIX) | 20-F Mar 5, 2026 | “In late 2025, Wix announced partnerships with Stripe and PayPal to introduce tools that promote user product discoverability, which can be bought directly through AI agents.” |
| competitor | EVERTEC, Inc. (EVTC) | 10-K Mar 2, 2026 | “In payment services, we compete with several other third-party card processors, debit networks, and financial technology providers, including Tecnocom Telecomunicaciones y Energía, S.A., Galileo Financial Technologies, LLC, Marqeta, Inc., Fidelity National Information Services, Inc., Fiserv, Inc., Total System Services, Inc., MasterCard, Inc., Visa, Inc., American Express, Discover, Global Payments, Inc., dLocal C…” |
PYPL company outlook (results filed Jul 28, 2026)
- “Financial Guidance 2026 Guidance: Following another strong quarter, PayPal is raising full year non-GAAP TM$ and EPS guidance and reaffirming GAAP EPS guidance.”
Quoted word-for-word from the SEC 8-K results press release.
PYPL analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Sep 2026) | $1.31 | $1.33 | -1.6% | $8.71B | 37 |
| Next quarter (ends Dec 2026) | $1.35 | $1.36 | -1.2% | $8.99B | 35 |
| Current fiscal year (ends Dec 2026) | $5.39 | $5.31 | +1.6% | $34.74B | 42 |
| Next fiscal year (ends Dec 2027) | $5.78 | $5.74 | +0.7% | $36.20B | 43 |
PYPL options: expected move
Options price a move of about ±8.1% (±$4.64) by Oct 30, 2026, which includes earnings on Oct 27, 2026. Over the last 8 reports the stock moved ±8.1% on average.
| Expiration | Days | ATM implied volatility | Expected move |
|---|---|---|---|
| Oct 30, 2026 | 7 | 67.3% | ±8.1% |
| Nov 6, 2026 | 14 | 55.1% | ±9.0% |
| Nov 13, 2026 | 21 | 46.1% | ±9.1% |
| Nov 20, 2026 | 28 | 44.7% | ±10.1% |
| Nov 27, 2026 | 35 | 43.1% | ±10.8% |
| Dec 4, 2026 | 42 | 45.7% | ±12.5% |
| Dec 18, 2026 | 56 | 38.4% | ±12.2% |
| Jan 15, 2027 | 84 | 35.9% | ±13.9% |
30-day implied volatility 44.2% vs 21.6% realized over the last 30 trading days. Put/call ratio (volume) 0.18. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.
Key Statistics (as of October 23, 2026 at 09:23 UTC)
| Price | USD 57.54 |
|---|---|
| Change | ▲ 0.59% (up) |
| Previous Close | USD 57.2 |
| Open | USD 56.83 |
| Day Range | USD 56.81 – 57.61 |
| 52-Week Range | USD 38.46 – 79.22 |
| Volume | 7,499,012 shares |
| Market Cap | $49.22B |
| Exchange | NMS |
Technical Analysis (PYPL)
Nexqual's technical model rates PYPL "BUY" based on 5 bullish and 1 bearish signals across 127 daily candles, as of October 23, 2026 at 09:23 UTC.
| Overall Signal | BUY |
|---|---|
| RSI (14) | 63.96 (neutral) |
| vs SMA50 | Above (USD 55.92) |
| MACD | 0.73 (positive) |
Analyst Ratings (PYPL)
Wall Street analysts rate PYPL "Hold" based on 44 analysts, with a mean price target of USD 56.74 (range USD 36–80), per Nexqual as of October 23, 2026 at 09:23 UTC.
| Consensus Rating | Hold |
|---|---|
| Analyst Count | 44 |
| Mean Target | USD 56.74 |
| High Target | USD 80 |
| Low Target | USD 36 |
| Buy / Hold / Sell | 7 / 33 / 4 |
Earnings (PYPL)
| Next Earnings Date | 2026-10-27 |
|---|---|
| EPS Estimate | USD 1.31 |
| Revenue Estimate | $8.71B |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 1.38 vs est 1.28 ▲ beat |
| 2026-03-31 | USD 1.34 vs est 1.27 ▲ beat |
| 2025-12-31 | USD 1.23 vs est 1.29 ▼ miss |
| 2025-09-30 | USD 1.34 vs est 1.21 ▲ beat |
Source: Nexqual, October 23, 2026 at 09:23 UTC.
Financials & Fundamentals (PYPL)
| Total Revenue | $34.13B |
|---|---|
| Revenue Growth (latest quarter, YoY) | +4.80% |
| Gross Margin | +40.48% |
| Operating Margin | +16.97% |
| Profit Margin | +14.36% |
| ROE | +24.50% |
| Debt / Equity | 0.72 |
| Current Ratio | 1.29 |
| Total Cash | $11.26B |
| Total Debt | $14.22B |
| Free Cash Flow (last four quarters to Jun 2026, SEC 10-Q / 10-K) | $6.59B (19.3% of revenue) |
Source: Nexqual, October 23, 2026 at 09:23 UTC.
Financial Health Score (PYPL)
Nexqual rates PayPal Holdings, Inc.'s overall financial health "Solid" across five dimensions, as of October 23, 2026 at 09:23 UTC.
| Growth | Mixed — Revenue +4.3% YoY (annual), slow |
|---|---|
| Profitability | Strong — Gross margin 40%, operating 17% (last 12 months) |
| Balance Sheet | Solid — $11.3B cash and investments vs $13.4B debt (Jun 2026, SEC) |
| Cash Flow | Strong — FCF $6.59B (last 4 quarters to Jun 2026, SEC), 19% margin |
| Efficiency | Strong — ROE 24%, ROA 4.6% |
Ownership (PYPL)
| Insider Ownership | +0.71% |
|---|---|
| Institutional Ownership | +79.07% |
| Shares Outstanding | 855.46M |
| Float | 853.51M |
| Short % of Float | +3.91% |
Source: Nexqual, October 23, 2026 at 09:23 UTC.
Leadership (PYPL)
PayPal Holdings, Inc. is led by Enrique J. Lores, President, CEO & Director, per Nexqual as of October 23, 2026 at 09:23 UTC.
| President, CEO & Director | Enrique J. Lores |
|---|---|
| Chief Financial & Operating Officer and Executive VP | Jamie S. Miller |
| President of Checkout Solutions & PayPal | Frank Keller |
| President of Global Markets | Suzan Bulyaba Kereere |
| Chief Technology Officer | Srinivasan Venkatesan |
Major Backers & Investors (PYPL)
Notable institutional backers of PayPal Holdings, Inc. include Invesco, Comprehensive Financial Management, LLC, Bank of America Corporation, according to Nexqual as of October 23, 2026 at 09:23 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Invesco | 3.91% |
| Comprehensive Financial Management, LLC | 2.8% |
| Bank of America Corporation | 2.64% |
| Goldman Sachs | 1.35% |
| Fidelity | 1.34% |
| NORGES BANK | 1.33% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| Vanguard Group | 8.92% |
| BlackRock | 8.76% |
| State Street | 4.82% |
| Geode Capital | 3.43% |
Source: Nexqual, October 23, 2026 at 09:23 UTC.
From PayPal Holdings, Inc.'s Latest SEC 10-K Filing (filed 2026-02-03)
Key Strengths & Strategy (as disclosed to the SEC)
- Our ability to help protect both consumers and merchants is based largely on our proprietary, end-to-end payments platform and our ability to utilize the data from both sides of transactions on our two-sided network, specifically from buyers and sellers and from senders and receivers of payments.
- Our relationship on both sides of a transaction enables us to utilize data to innovate and offer unique product experiences designed to remove friction, drive sales, and enhance shopping experiences. •Trusted brands—we have built well-recognized and trusted brands, including PayPal and Venmo.
- We have filed and continue to file patent applications in the U.S. and in international jurisdictions covering certain aspects of our proprietary technology and new innovations.
- We offer a suite of value added services, including payouts, payments orchestration, and fraud prevention and risk management solutions that help reduce merchant losses through our proprietary protection programs.
Partnerships
- In the U.S., consumers may apply for the PayPal- and Venmo-branded consumer credit cards, including the PayPal Credit revolving consumer credit product, which are issued through a partnership with an independent chartered financial institution.
- In the U.S., these products are provided under a program agreement with an independent chartered financial institution.
Legal & Regulatory Risks (Item 1A, quoted)
- Our business is subject to extensive government regulation and oversight. Our failure to comply with extensive, complex, overlapping, and frequently changing rules, regulations, and legal interpretations could materially harm our business.
- Regulators and legislators globally continue to establish, evolve, and increase their regulatory authority, oversight, and enforcement, and it may be difficult to predict how these may be applied to our business and the way we conduct our operations.
- Anti-Money Laundering and Counter-Terrorist Financing; Economic and Trade Sanctions
- Privacy and Protection of Customer Data
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| AFRM | Affirm Holdings, Inc. | USD 72.4 | ▼ 1.51% |
| SYF | Synchrony Financial | USD 75.09 | ▲ 1.32% |
| SOFI | SoFi Technologies, Inc. | USD 14.77 | ▼ 0.87% |
| COF | Capital One Financial Corporati | USD 203.43 | ▼ 1.56% |
| ALLY | Ally Financial Inc. | USD 39.31 | ▲ 1.6% |
| AXP | American Express Company | USD 325.17 | ▲ 0.48% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 23, 2026 at 09:23 UTC. This page is informational and not investment advice.
For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt