PYPLNASDAQ— PayPal Holdings Inc Price & Analysis

PayPal Holdings Inc

FINANCIAL SERVICES — CREDIT SERVICES

$56.05

+$0.52+0.94%

Market Cap: $47.01B; Large Cap
P/E Ratio: 10.39; Fwd: 9.07
EPS (TTM): $5.29
Div. Yield: 1.03%

Technical Summary

RSI (14)56.01Neutral

SMA (50)$56.19Bearish

SMA (200)$49.90Bullish

MACD-0.0844Bullish

Bollinger$51.61 – $55.65Upper

Stochastic88.64Overbought

Theo Outlook

PayPal operates an online payments system that serves as an electronic alternative to traditional paper methods and acts as a payment processor for online vendors, auction sites, and other commercial users. Its latest reported figures as of the quarter ended June 30, 2026 show TTM revenue of $34.13 billion, a profit margin of 14.4%, diluted EPS of $5.34, and a market capitalization of $47.50 billion.

Bull case: PayPal delivered a return on equity of 24.5% and an operating margin of 17.0% in the latest TTM period, with quarterly revenue growth of 4.8% year over year. Bear case: quarterly earnings growth was negative 3.1% year over year in the same period, and the trailing PE ratio stood at 10.4.

Main risks include exposure to regulatory changes in payments and competition in digital wallets. Analysis generated by HeyTheo AI from company and market data. It may be incomplete or inaccurate.

Analysis generated by HeyTheo AI on Oct 11, 2026.

Company Overview

PayPal Holdings, Inc. is an American company operating an online payments system in the majority of countries that support online money transfers, and serves as an electronic alternative to traditional paper methods like checks and money orders. The company operates as a payment processor for online vendors, auction sites, and many other commercial users, for which it charges a fee.

Fundamental Snapshot

Revenue: $34.13B
EBITDA: $6.46B
Gross Profit: $13.81B
Operating Margin: 17.0%
Profit Margin: 14.4%
ROE: 24.5%
Book Value: $22.99
Beta: 1.28
52-Wk High: $78.34
52-Wk Low: $38.12
Volume: 3.00M
PEG Ratio: 0.93

Frequently Asked Questions

What does PayPal do?

PayPal operates an online payments system that serves as an electronic alternative to traditional paper methods like checks and money orders. It acts as a payment processor for online vendors, auction sites, and other commercial users, charging fees for these services. The description is current as of October 11, 2026.

Where does PayPal's revenue come from?

PayPal generates revenue primarily from transaction fees charged to merchants and users for online payments processing. TTM revenue reached $34.13 billion as of the quarter ended June 30, 2026. Gross profit for the same TTM period was $13.81 billion.

How does PayPal compete?

PayPal competes through its established global network for online money transfers and payment processing across most countries. Its TTM operating margin of 17.0% and return on equity of 24.5% as of June 30, 2026 reflect its scale in the credit services industry. The company maintains a market capitalization of $47.50 billion.

What are the main risks for PayPal?

PayPal faces risks from regulatory changes affecting payments and competition in digital wallets. Quarterly earnings growth was negative 3.1% year over year as of the quarter ended June 30, 2026, while quarterly revenue growth was 4.8% in the same period.

How is PayPal valued?

PayPal trades at a trailing PE of 10.4, forward PE of 9.07, price-to-sales ratio of 1.392, and price-to-book ratio of 2.266, all as of the latest data tied to the quarter ended June 30, 2026. Its EV-to-revenue multiple is 1.379 and EV-to-EBITDA is 6.46 for the same period.

Trading Data

Open: $55.59
Previous Close: $55.53
Day Range: $55.35 – $56.08
Volume: 3.00M
Shares Outstanding: 855.46M
Analyst Target: $56.92

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