Stocks · Financial Services · Financial - Credit Services
PayPal Holdings, Inc. PYPL
$52.80 -0.49% Close, Oct 2, 2026 · NASDAQ · Market cap $45.17B
High qualityInexpensive vs sectorHigh risk
Next earnings report: Oct 27, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The shares trade at 10.0× trailing earnings, lower than 90% of the company's own readings over the past five years.
- The diluted share count fell 7.8% in a year, mainly through buybacks.
- The stock is in an uptrend: above its 200-day average for 57 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 47%
- EPS growth (TTM, YoY)Bottom 42%
- FCF growth (TTM, YoY)Top 45%
- Revenue growth, 3-year CAGRBottom 19%
- Revenue growth accelerationTop 49%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 8%
- Gross marginBottom 19%
- Operating marginBottom 43%
- Cash conversion (OCF / net income)Top 29%
- Accruals (lower is better)Top 21%
- Net debt / EBITDA (lower is better)Top 43%
- Interest coverTop 8%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 16%
- Free-cash-flow yieldTop 19%
- EBITDA / enterprise valueTop 12%
- Sales / enterprise valueTop 19%
- P/E vs own 5-year history (lower is better)Top 11%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 11%
- 6-month returnTop 26%
- 1-year return vs S&P 500Bottom 15%
- Distance from 52-week highBottom 14%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 49%
- Consecutive EPS beatsTop 42%
- Share of analysts rating BuyBottom 34%
- Upside to consensus price targetBottom 24%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 10%
- Maximum drawdown, 3 yearsBottom 13%
- Beta vs S&P 500 (lower is better)Bottom 15%
- Net debt / EBITDA (lower is better)Top 43%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 5.8% | 5.7% | ↓ |
| EPS growth (YoY) | 19.2% | 13.0% | ↓ |
| Gross margin | 46.9% | 45.8% | ↓ |
| Operating margin | 18.2% | 18.8% | ↑ |
| FCF margin | 16.4% | 19.3% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 5.7% | 5.8% | ↓ | Bottom 47% |
| EPS growth (TTM, YoY) | 13.0% | 19.2% | ↓ | Bottom 42% |
| Gross margin | 45.8% | 46.9% | ↓ | Bottom 19% |
| Operating margin | 18.8% | 18.2% | ↑ | Bottom 43% |
| Net margin | 14.4% | 14.5% | ↓ | — |
| Free-cash-flow margin | 19.3% | 16.4% | ↑ | — |
| Return on invested capital | 14.5% | — | Top 8% | |
| Revenue growth, 3-year CAGR | 6.4% | — | Bottom 19% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.52×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -3.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 2.9%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -6.3 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.79×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 18.3×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.85%
- Net buyback yield (TTM)
- 13.17%
- Shareholder yield
- 14.02%
- Share count change, 1 year
- -7.8%
- Share count change, 3-year CAGR
- -6.8%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jul 28, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 2
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +4.9%
- Average 2-day reaction, last 8
- -5.5%
- Positive 20 days after report
- 3 of 8
Analysts
- Consensus price target
- $56.47
- Target vs current price
- +7.0%
- Analysts with a rating
- 70
- Share rating Buy or Strong Buy
- 36%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 28, 2026 | +7.8% | +4.0% | +3.2% | +10.0% | — |
| May 5, 2026 | +4.7% | -7.7% | -10.6% | -11.6% | +14.4% |
| Feb 3, 2026 | -4.7% | -20.3% | -21.4% | -11.4% | -2.7% |
| Oct 28, 2025 | +11.7% | +3.9% | -2.7% | -13.8% | -19.4% |
| Jul 29, 2025 | +7.7% | -8.7% | -13.1% | -11.2% | -10.4% |
| Apr 29, 2025 | +14.7% | +2.1% | +5.6% | +10.1% | +19.9% |
| Feb 4, 2025 | +7.2% | -13.2% | -12.6% | -24.6% | -26.4% |
| Oct 29, 2024 | +12.1% | -4.0% | -6.5% | +5.0% | +8.0% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 28, 2026 | $1.38 | $1.28 | +7.8% | $8.68B |
| May 5, 2026 | $1.34 | $1.28 | +4.7% | $8.35B |
| Feb 3, 2026 | $1.23 | $1.29 | -4.7% | $8.68B |
| Oct 28, 2025 | $1.34 | $1.20 | +11.7% | $8.42B |
| Jul 29, 2025 | $1.40 | $1.30 | +7.7% | $8.29B |
| Apr 29, 2025 | $1.33 | $1.16 | +14.7% | $7.79B |
| Feb 4, 2025 | $1.19 | $1.11 | +7.2% | $8.37B |
| Oct 29, 2024 | $1.20 | $1.07 | +12.1% | $7.85B |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 10.0× | 17.9× | 10th | Top 16% |
| P/E (forward) | 9.8× | — | — | — |
| EV / EBITDA | 6.8× | — | — | Top 12% |
| EV / Sales | 1.50× | — | — | Top 19% |
| Free-cash-flow yield | 14.58% | — | — | Top 19% |
| Earnings yield | 10.02% | — | — | Top 16% |
P/E over the past five years
Range 7.7× – 68.7× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -20.8%
- Earnings per share growth (TTM)
- +13.0%
- Change in P/E multiple
- -27.8%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 57
- 50-day average slope (20 days)
- +3.2%
- 200-day average slope (20 days)
- -1.6%
- Distance from 50-day average
- -6.6%
- Distance from 200-day average
- +5.1%
- RSI (14)
- 43.8
- Relative volume
- 0.73×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 51.2%
- Volatility vs own 5-year history
- 80th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.13
- Correlation with S&P 500
- 0.42
- Current drawdown from 1-year high
- -30.6%
- Maximum drawdown, 3 years
- -57.4%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jul 23, 2021 | Feb 12, 2026 | -87.3% | 1144 days | Not yet recovered |
| Feb 16, 2021 | Mar 8, 2021 | -25.8% | 14 days | 96 days (Jul 23, 2021) |
| Oct 21, 2020 | Nov 3, 2020 | -15.6% | 9 days | 16 days (Nov 25, 2020) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $45.17B
- P/E (TTM)
- 10.0
- EPS, diluted (TTM)
- $5.29
- Revenue (TTM)
- $34.13B
- Dividend yield
- 1.06%
- 52-week range
- $38.46 – $79.22
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $25.37B | $27.52B | $29.77B | $31.80B | $33.17B |
| Gross profit | $14.00B | $13.77B | $13.70B | $14.66B | $15.46B |
| Operating income | $4.26B | $3.84B | $5.03B | $5.33B | $6.07B |
| Net income | $4.17B | $2.42B | $4.25B | $4.15B | $5.23B |
| EPS (diluted) | $3.52 | $2.09 | $3.84 | $3.99 | $5.41 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $7.85B | $8.37B | $7.79B | $8.29B | $8.42B | $8.68B | $8.35B | $8.68B |
| Net income | $1.01B | $1.12B | $1.29B | $1.26B | $1.25B | $1.44B | $1.11B | $1.10B |
| EPS (diluted) | $0.99 | $1.11 | $1.29 | $1.29 | $1.30 | $1.53 | $1.21 | $1.25 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $5.80B | $5.81B | $4.84B | $7.45B | $6.42B |
| Capital expenditure | -$908.0M | -$706.0M | -$623.0M | -$683.0M | -$852.0M |
| Free cash flow | $4.89B | $5.11B | $4.22B | $6.77B | $5.56B |
| Dividends paid | $0 | $0 | $0 | $0 | -$130.0M |
| Net share buybacks | -$3.21B | -$4.06B | -$4.88B | -$5.95B | -$5.93B |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $11.26B
- Total assets
- $82.74B
- Total liabilities
- $62.92B
- Total debt
- $14.22B
- Net debt
- $5.92B
- Shareholders’ equity
- $19.82B
As of Jun 30, 2026 (filed Jul 28, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 4, 2026 | $0.14 | Sep 25, 2026 |
| Jun 4, 2026 | $0.14 | Jun 25, 2026 |
| Mar 4, 2026 | $0.14 | Mar 25, 2026 |
| Nov 19, 2025 | $0.14 | Dec 10, 2025 |
Short interest
- Shares sold short
- 29,335,284
- Days to cover
- 2.70
- Change vs previous report
- -12.1%
FINRA short interest, settlement date Sep 15, 2026.