PYPL

ACCE-researched
PayPal Holdings Inc. Common Stock
Financial Services · Credit Services · NASDAQ · United States
$52.41-1.00%
Market cap $44.8BNext earnings 2026-10-27Updated Sep 18, 2026
FAIR VALUE · CONSENSUS
$52.41+0.0%
confidence-weighted across 4 of 6 models
Now $52.41
$52.41
$53.58$79.27
Strong BuyGold85
Price vs fair value
24.7% below
+32.9% to fair value
ACCE score
65
out of 100
Analysts
49% buy
47 covering
P/E
9.9x
forward 9.0x
1-year return
-23.5%
Dividend yield
1.06%
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Overview

⚠ Investor warnings · 2 flags
  • moderate
    Earnings YoY declining
    Earnings fell 3.1% YoY despite revenue growth of 4.8%, signaling cost pressures or margin erosion eating into profitability.
  • moderate
    Revenue growth decelerating
    QoQ revenue declined 3.7% and YoY growth is only 4.8%, a sharp slowdown vs 5-year CAGR of 14.6%.
Reports in 36 days, last quarter beat by 0.1%.

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Plain-English pros, cons, and what to watch. Pro feature.

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Price

-22.6% · 1Y

Valuation

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Full valuation engine INVESTOR FEATURE

Six independent models converge on one confidence-weighted fair value, with full methodology and editable assumptions.

  • +All six models: DCF, P/E and EV/EBITDA comps, Graham, dividend discount, residual income
  • +Scenario bands, sensitivity tornado, and the 5-year historical valuation range
  • +Editable DCF workbench with saved scenarios

Quality

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Quality and conviction INVESTOR FEATURE

The full quality picture: conviction breakdown, earnings quality, score history, and backtested returns.

  • +Conviction score breakdown and earnings-quality grade
  • +Growth / value / quality / momentum component scores
  • +90-day score history and score-threshold backtests

Analysts

Wall Street consensus

Mixed49% buy · 47 covering analysts
● Strong buy 16● Buy 7● Hold 22● Sell 0● Strong sell 2
Analyst intelligence INVESTOR FEATURE

The full analyst picture: the price-target distribution against the current price, forward consensus estimates, and how ACCE's own models compare.

  • +Price-target low / average / high vs the current price, with implied upside
  • +Forward revenue and EPS consensus by fiscal year
  • +ACCE fair-value models lined up against the Street

Smart Money

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Smart money tracking PRO FEATURE

Follow the institutions: 13F position changes, insider trades, and active 13D activist filings.

  • +Quarter-over-quarter institutional position changes
  • +Recent open-market insider transactions
  • +Active 13D activist filings and top holders

Compare

Where it sits vs peers

This stock Peer Peer median weaker → stronger
P/Ebetter than 83% of peers
low 7.7x9.9xhigh 34.6x
ROEbetter than 83% of peers
low 7%25%high 45%
Div yieldbetter than 67% of peers
low 0.0%1.1%high 1.6%

Algorithmic peers (6)

TickerCompanyMcapP/EROED/EYieldQuality
BAJFINANCE.NSBajaj Finance$67.5B32.017.9%314.830.5%-Compare
SYFSynchrony Financial Common Stock$24.4B7.720.8%0.911.6%-Compare
AFRMAffirm Holdings Inc. Class A Common Stock$24.0B12.945.1%1.860.0%-Compare
SOFISoFi Technologies Inc. Common Stock $21.9B34.67.1%0.170.0%-Compare
COFCapital One Financial Corporation Common Stock$124.2B11.19.0%0.431.5%-Compare
CHOLAFIN.NSCholamandalam Investment and Finance Company Limited$16.0B26.519.3%695.280.1%-Compare

Sector report card

Where PYPL ranks against its sector peers on each metric.

Computing percentiles…

News and Record

Reports in 36 days, last quarter beat by 0.1%.

Press releases mentioning this company

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Recent performance

1 week
-2.4%
1 month
-14.4%
3 months
+23.3%
6 months
+19.1%
YTD
-10.2%
1 year
-23.5%

SEC filings

40 filings
September 2026
Sep 16
Form 4Insider transactionPeriod 2026-09-15
Sep 8
Form 4Insider transactionPeriod 2026-09-03
Sep 8
Form 4Insider transactionPeriod 2026-09-03
37 more filings + AI summaries on Investor+.INVESTOR