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PayPal Holdings, Inc. (PYPL) Stock Analysis

Recovery setup

Buy WaitModerate Confidence

Financial Services · Credit Services

Earnings in 3 days (2026-05-05). Expect elevated volatility around the report — consider waiting for post-earnings price action before new entries.

Wait for pullback to $46.53. Below 200-day MA (death cross); also weak momentum — blocks BUY_NOW at $50.62. Engine's entry $46.53 (Ma50 Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risk: Analyst target reached - limited upside remaining.

PayPal operates a global two-sided digital payments network connecting 439 million active accounts across approximately 200 markets as of December 31, 2025, offering branded and unbranded checkout, Venmo, BNPL, and business financing. Revenue is earned primarily through... Read more

$50.62+9.7% A.UpsideScore 5.8/10#15 of 28 Credit Services
Entry $46.53(Ma50 Sticky)Stop $43.79Target $51.25(resistance)A.R:R -0.3:1Setup A.R:R 1.6:1
Analyst target$52.97+4.6%34 analysts
$51.25our TP
$50.62price
$52.97mean
$32
$147

Wait for pullback to $46.53. Below 200-day MA (death cross); also weak momentum — blocks BUY_NOW at $50.62. Engine's entry $46.53 (Ma50 Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risk: Analyst target reached - limited upside remaining. Chart setup: Death cross but MACD improving, RSI 65. Earnings in 3 days. Wait until post-earnings. Score 5.8/10, moderate confidence.

Passes 5/9 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, semi cycle peak clear). Fails on favorable risk/reward ratio and death cross (50MA < 200MA) and earnings proximity 3d<=7d. Suitability: aggressive.

Val7.7Qual6.1Grw6.7Mom4.6Sent5.6Ins5.0Peer5.0Tech2.7Risk5.45.8OVERALL

Thesis

Rewards
No bull case signals
Risks
Analyst target reached - limited upside remaining

Key Metrics

P/E (TTM)9.3
P/E (Fwd)8.7
Mkt Cap$45.1B
EV/EBITDA7.2
Profit Mgn15.8%
ROE25.7%
Rev Growth3.7%
Beta1.41
Dividend1.12%
Rating analysts50

Quality Signals

Piotroski F8/9

Options Flow

P/C1.43bearish
IV63%elevated
Max Pain$25-50.6% vs spot

Material Events(8-K, last 90d)

  • 2026-02-03Item 5.02MEDIUM
    Alex Chriss resigned as President and CEO and Board member effective February 2, 2026; Enrique Lores (former HP Inc. CEO) appointed as successor effective March 1, 2026; Jamie Miller served as Interim CEO in the interim. No reason cited for Chriss departure.
    SEC filing →
  • 2026-03-25Item 5.02LOW
    Alyssa H. Henry (former Block Inc. CEO) appointed to Board effective March 25, 2026, filling vacancy as Board size increased to 12. Gail J. McGovern announced she will not stand for re-election when her term expires at the 2026 Annual Meeting. No disagreement cited.
    SEC filing →

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

Rating Breakdown

1 floor-breaker

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

Support Resistance
2.2
52w Position
2.8
Bollinger
3.1
GatesA.R:R -0.3=NEGATIVEDeath cross (50MA < 200MA)EARNINGS PROXIMITY 3d<=7dMomentum 4.6<5.5 (soft — BUY_NOW allowed but watch)Momentum 4.6>=4.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTSEMI CYCLE PEAK CLEARRecoverySuitability: Aggressive
RSI
65 · Neutral
↑ 20D MA↑ 50D MA↓ 200D MADEATH CROSSSupport $44.56Resistance $52.30

Price Targets

$44
$47
$51
A.Upside+1.2%
A.R:R-0.3:1
Setup A.R:R (at entry)1.6:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeCautious

Risk Alerts

! Target reached (-3.7% upside)
! Earnings in 3 days - binary event risk
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
M
3/4 beats
Next Earnings2026-05-05 (3d)

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?

Wait for pullback to $46.53. Below 200-day MA (death cross); also weak momentum — blocks BUY_NOW at $50.62. Engine's entry $46.53 (Ma50 Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risk: Analyst target reached - limited upside remaining. Chart setup: Death cross but MACD improving, RSI 65. Earnings in 3 days. Wait until post-earnings. Target $51.25 (+1.2%), stop $43.79 (−15.6%), Setup A.R:R 1.6:1. Score 5.8/10, moderate confidence.

What is the PYPL stock price target?

Take-profit target: $51.25 (+9.7% upside). Target $51.25 (+1.2%), stop $43.79 (−15.6%), Setup A.R:R 1.6:1. Stop-loss: $43.79.

What are the risks of investing in PYPL?

Analyst target reached - limited upside remaining.

Is PYPL overvalued or undervalued?

PayPal Holdings, Inc. trades at a P/E of 9.3 (forward 8.7). TrendMatrix value score: 7.7/10. Verdict: Buy (Wait for Entry).

What do analysts say about PYPL?

50 analysts cover PYPL with a consensus score of 3.3/5. Average price target: $53.

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

PayPal operates a global two-sided digital payments network connecting 439 million active accounts across approximately 200 markets as of December 31, 2025, offering branded and unbranded checkout, Venmo, BNPL, and business financing. Revenue is earned primarily through transaction fees on $1.79 trillion of total payment volume processed in 2025, plus currency conversion, instant transfers, and credit product interest. PayPal is regulated as a money transmitter in the U.S. and as a credit institution in the EU through PayPal Europe, and by the FCA in the UK.

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