PYPL Stock: Price, Forecast, Financials & AI Analysis

High

Open

VWAP

Vol

Mkt Cap

Low

Amount

EV/EBITDA(TTM)

Total Shares

EV/OCF(TTM)

P/S(TTM)

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2025Q4

FY2026Q1

FY2026Q2

8.82B

+5.41%

1.290

+8.41%

8.30B

+6.54%

1.400

+5.28%

8.73B

+5.29%

1.463

+4.49%

Estimates Revision

The market is revising Upward the revenue expectations for PayPal Holdings, Inc. (PYPL) for FY2025, with the revenue forecasts being adjusted by 0.56% over the past three months. During the same period, the stock price has changed by -23.08%.

Revenue Estimates for FY2025

Revise Upward

+0.56%

In Past 3 Month

EPS Estimates for FY2025

Revise Upward

+1.95%

In Past 3 Month

Stock Price

Go Down

-23.08%

In Past 3 Month

30 Analyst Rating

Wall Street analysts forecast PYPL stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for PYPL is 83.10 USD with a low forecast of 66.00 USD and a high forecast of 105.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

11 Buy

16 Hold

3 Sell

Moderate Buy

Current: 0.000

Low

66.00

Averages

83.10

High

105.00

Current: 0.000

Low

66.00

Averages

83.10

High

105.00

Monness Crespi

Buy -> Neutral

downgrade

2026-01-05

New

Reason

Monness Crespi

Price Target

2026-01-05

New

downgrade

Buy -> Neutral

Reason

Monness Crespi downgraded PayPal to Neutral from Buy. The firm believes the long-term bull case is still in play, but with current estimates for calendar 2026 not taken down enough, "less than promising" intra-quarter comments, elongated ramps, and building weakness in the 90% of consumers in U.S. that comprise 50% of spend, the firm expects "more compelling entry points likely on the horizon." The firm says it should have taken profit when the stock rose on "low hanging fruit" fixes like stimulating Venmo monetization, rather than taking it as a sign of moat widening, the analyst added.

Citi

Bryan Keane

Neutral

downgrade

$78 -> $60

2026-01-05

New

Reason

Citi

Bryan Keane

Price Target

$78 -> $60

2026-01-05

New

downgrade

Neutral

Reason

Citi analyst Bryan Keane lowered the firm's price target on PayPal to $60 from $78 and keeps a Neutral rating on the shares. The firm believes the company will make additional investments to drive branded checkout growth in 2026. It believes 2026 is looking like an investment year for PayPal. It cut fiscal 2026 earnings estimates as a result.

Mizuho

Outperform

NULL

downgrade

$84 -> $75

2025-12-22

Reason

Mizuho

Price Target

$84 -> $75

2025-12-22

downgrade

Outperform

NULL

Reason

Mizuho lowered the firm's price target on PayPal to $75 from $84 and keeps an Outperform rating on the shares. The firm updated models and targets in the payments, processors and IT services group to reflect recent macro data points and management commentary at investor conferences.

Morgan Stanley

Equal Weight -> Underweight

downgrade

$74 -> $51

2025-12-18

Reason

Morgan Stanley

Price Target

$74 -> $51

2025-12-18

downgrade

Equal Weight -> Underweight

Reason

Morgan Stanley downgraded PayPal to Underweight from Equal Weight with a price target of $51, down from $74. The firm says the improvements to the company's branded checkout integrations will be "slow and complex." Morgan Stanley believes PayPal will see "sluggish" dollar growth through 2028 on share loss, take rate degradation, and lack of Venmo monetization. In addition, the agentic narrative will be an overhang on the shares, adds the firm. Morgan Stanley downgraded PayPal after lowering its earnings and margin estimates.

Baird

Outperform -> Neutral

downgrade

$83 -> $66

2025-12-12

Reason

Baird

Price Target

$83 -> $66

2025-12-12

downgrade

Outperform -> Neutral

Reason

Baird downgraded PayPal to Neutral from Outperform with a price target of $66, down from $83. The firm believes the combination of "uneven" transaction volumes in Q4 and another investment cycle coming in 2026, along with uncertain timing around broader platform improvements mean that a "clearing event" for the stock is less likely near term. PayPal shares will be range bound until the company posts market share gains, the analyst tells investors in a research note.

BofA

Buy -> Neutral

downgrade

$93 -> $68

2025-12-11

Reason

BofA

Price Target

$93 -> $68

2025-12-11

downgrade

Buy -> Neutral

Reason

BofA downgraded PayPal to Neutral from Buy with a price target of $68, down from $93. Efforts to reinvigorate growth in its core branded checkout is taking longer than expected and limits near-term upside, the analyst tells investors. The firm had expected product innovation and the upgraded checkout experience to drive increased usage of the PayPal button at checkout, but instead Q4 will see a step down in branded checkout growth and 2026 will be an investment year, the analyst added.

Valuation Metrics

The current forward P/E ratio for PayPal Holdings Inc (PYPL.O) is 10.38, compared to its 5-year average forward P/E of 23.34. For a more detailed relative valuation and DCF analysis to assess PayPal Holdings Inc 's fair value, click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

5Y Average PE

23.34

Current PE

10.38

Overvalued PE

38.98

Undervalued PE

7.71

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

5Y Average EV/EBITDA

16.89

Current EV/EBITDA

7.53

Overvalued EV/EBITDA

28.12

Undervalued EV/EBITDA

5.67

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

5Y Average PS

4.30

Current PS

1.57

Overvalued PS

7.80

Undervalued PS

0.80

Financials

Annual

Quarterly

N/A

Total Revenue

N/A

Operating Profit

N/A

Net Income after Tax

N/A

EPS - Diluted

N/A

Free Cash Flow

N/A

Gross Profit Margin - %

N/A

FCF Margin - %

N/A

Net Margin - %

N/A

ROIC

Trading Trends

Insider

Insiders areSelling! The selling amount has increased 143.92% over the last month.

Sold

Bought

Hedge Fund

Hedge Funds areBuying! The buying amount has increased 113.2% over the last quarter.

Sold

Bought

Congress Trading

Congress are Neutral. There are no significant trading trends over the last month.

Sold

Bought

Insider

Insiders areSelling! The selling amount has increased 143.92% over the last month.

Sold

Bought

PYPL News & Events

Events Timeline

No data

News

3.5

01-08Benzinga

Microsoft Launches Agentic AI Tools to Enhance Retail Efficiency

7.5

01-08NASDAQ.COM

Paychex Partners with PayPal to Offer Early Paycheck Access

7.0

01-07Fool

PayPal Stock Declines 33% Amidst Growth Challenges and Future Uncertainty

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Frequently Asked Questions

What is PayPal Holdings Inc (PYPL) stock price today?

The current price of PYPL is 58.27 USD — it has decreased -0.41 % in the last trading day.

What is PayPal Holdings Inc (PYPL)'s business?

PayPal Holdings, Inc. offers a technology platform. The Company’s products are designed to enable digital payments and simplify commerce experiences for consumers and merchants to make selling, shopping, and sending and receiving money simple, personalized, and secure, online or offline, including mobile. It provides consumers with a digital wallet that enables them to send payments to merchants securely using a variety of funding sources, which include a bank account, a PayPal or Venmo account balance, its consumer credit products, a credit card, a debit card, certain cryptocurrencies, or other stored value products. It operates a global, two-sided network at scale that connects consumers and merchants with 434 million active accounts across approximately 200 markets. Its brands include PayPal, Braintree, Venmo, Xoom, Hyperwallet, PayPal Zettle, PayPal Honey, and Paidy. It offers financing products through the PayPal Working Capital (PPWC) and PayPal Business Loan (PPBL).

What is the price predicton of PYPL Stock?

What is PayPal Holdings Inc (PYPL)'s revenue for the last quarter?

PayPal Holdings Inc revenue for the last quarter amounts to 8.42B USD, increased 7.26 % YoY.

What is PayPal Holdings Inc (PYPL)'s earnings per share (EPS) for the last quarter?

PayPal Holdings Inc. EPS for the last quarter amounts to 1.30 USD, increased 31.31 % YoY.

What changes have occurred in the market's expectations for PayPal Holdings Inc (PYPL)'s fundamentals?

How many employees does PayPal Holdings Inc (PYPL). have?

PayPal Holdings Inc (PYPL) has 24400 emplpoyees as of January 09 2026.

What is PayPal Holdings Inc (PYPL) market cap?

Today PYPL has the market capitalization of 54.52B USD.