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PYPLPayPal Holdings, Inc.Sell5.5·$42.98+3.48%
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PayPal Holdings, Inc. (PYPL) Stock Analysis

Recovery setup

SellModerate Confidence

Financial Services · Credit Services

Sell if holding. Multiple concerning factors at $42.98: Below 200-MA, MA slope -6.7%/30d (confirmed downtrend); Weak growth.

PayPal operates a global two-sided digital payments network with 439 million active accounts across approximately 200 markets, processing $1.79 trillion in total payment volume in 2025 through PayPal and Venmo consumer and merchant solutions. Revenue is primarily... Read more

$42.98+10.3% A.UpsideScore 5.5/10#24 of 29 Credit Services
QualityF-score7 / 9FCF yield11.15%
IncomeYield1.35%Payout5.25%sustainable
Stop $40.50Target $47.42(analyst − 8%)A.R:R 1.6:1
Analyst target$51.54+19.9%33 analysts
$47.42our TP
$42.98price
$51.54mean
$147

Sell if holding. Multiple concerning factors at $42.98: Below 200-MA, MA slope -6.7%/30d (confirmed downtrend); Weak growth. Chart setup: Death cross but MACD improving, RSI 44. Score 5.5/10, moderate confidence.

Passes 7/10 gates (positive momentum, favorable risk/reward ratio, clean insider activity, news events none recent, earnings proximity 42d clear, semi cycle peak clear, materials cycle peak clear). Fails on death cross (50MA < 200MA). Suitability: aggressive.

news + 30-day 8-K events · 5-min refresh

Recent developments

updated 2026-06-15
TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Tue, Jul 28, 202642d to earnings· next earnings call

Thesis

Rewards
Strong earnings beat streak (3/4)
Attractive valuation
Margin of safety: 48%
Risks
Weak growth
Below 200-MA, MA slope -6.7%/30d (confirmed downtrend)

Key Metrics

P/E (TTM)7.8
P/E (Fwd)7.2
Mkt Cap$36.6B
EV/EBITDA5.9
Profit Mgn15.0%
ROE25.1%
Rev Growth7.2%
Beta1.34
Dividend1.35%
Rating analysts52

Quality Signals

Piotroski F7/9MoatNarrow

Options Flow

P/C1.06bearish
IV40%normal
Max Pain$23-47.7% vs spot

Material Events(8-K, last 90d)

  • 2026-04-30Item 5.02MEDIUM
    EVP Michelle Gill (GM Small Business & Financial Services) and EVP Diego Scotti (GM Consumer Group) both departing effective June 2, 2026. Gill entering separation agreement with severance under the Executive Change in Control and Severance Plan. No successors named for either role.
    SEC filing →
  • 2026-03-25Item 5.02LOW
    Alyssa Henry (former CEO of Block Inc.) appointed to the Board effective March 25, 2026, filling a vacancy created by increasing Board size from 11 to 12. Gail McGovern informed the Company she will not stand for re-election at the 2026 Annual Meeting. Routine board change.
    SEC filing →

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.

Methodology · Editorial policy & full disclaimer

Rating Breakdown

1 floor-breaker

Growth below the gate floor. Component breakdown shows what dragged the score down.static

Earnings Growth
0.8
Revenue Growth
4.3
GatesDeath cross (50MA < 200MA)Momentum 4.8<5.5 (soft — BUY_NOW allowed but watch)Executive change: officer departure/appointmentMomentum 4.8>=4.5A.R:R 1.6 ≥ 1.5Insider activity: OKNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 42d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARRecoverySuitability: Aggressive
RSI
44 · Neutral
20D MA 50D MA 200D MADEATH CROSSSupport $40.20Resistance $45.83

Price Targets

$41
$47
A.Upside+10.3%
A.R:R1.6:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Death cross — 50-day MA below 200-day MA

Earnings

B
B
B
M
3/4 beats
Next Earnings2026-07-28 (42d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is PYPL stock a buy right now?

Sell if holding. Multiple concerning factors at $42.98: Below 200-MA, MA slope -6.7%/30d (confirmed downtrend); Weak growth. Chart setup: Death cross but MACD improving, RSI 44. Prior stop was $40.50. Score 5.5/10, moderate confidence.

What is the PYPL stock price target?

Take-profit target: $47.42 (+10.3% upside). Prior stop was $40.50. Stop-loss: $40.50.

What are the risks of investing in PYPL?

Weak growth; Below 200-MA, MA slope -6.7%/30d (confirmed downtrend).

Is PYPL overvalued or undervalued?

PayPal Holdings, Inc. trades at a P/E of 7.8 (forward 7.2). TrendMatrix value score: 8.5/10. Verdict: Sell.

What do analysts say about PYPL?

52 analysts cover PYPL with a consensus score of 3.3/5. Average price target: $52.

What does PayPal Holdings, Inc. do?PayPal operates a global two-sided digital payments network with 439 million active accounts across approximately 200...

PayPal operates a global two-sided digital payments network with 439 million active accounts across approximately 200 markets, processing $1.79 trillion in total payment volume in 2025 through PayPal and Venmo consumer and merchant solutions. Revenue is primarily transaction-fee-based; the company also earns from consumer credit, currency conversion, crypto transactions, and value-added services.

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