PYPL Stock Analysis: Buy, Sell, or Hold?
PYPL - PayPal Holdings, Inc. Common Stock
$57.21
-0.44 (-0.76%)
▼
5d:
+1.89%
30d:
+29.82%
90d:
+14.1%
BUY
MODERATE Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Jul 28, 2026
0d
Smart Money Accumulation
None View Scanner →
Strength: 8.0/10
Get Alerted When PYPL Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
💡 BUY OPPORTUNITY: PYPL shows positive signals but monitor for confirmation. Market pricing in 5.2% growth. Moderate conviction.
💡 BUY OPPORTUNITY: PYPL shows positive signals but monitor for confirmation. Market pricing in 5.2% growth. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$65.39
Based on 5.9% avg growth
INTRINSIC VALUE TODAY
$40.60
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 8.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: PYPL is currently trading at $57.21, which is considered extended relative to its 30-day fair value range of $43.75 to $56.18. From a valuation perspective, the stock is trading at a premium (Forward PE: 9.9) compared to its historical average (8.5). At these levels, the market is pricing in 5.2% annual earnings growth.
Technical Outlook: Technically, PYPL is in a uptrend. Immediate support is located at $54.94, while resistance sits at $59.47.
Market Sentiment: PYPL has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, PYPL is in a uptrend. Immediate support is located at $54.94, while resistance sits at $59.47.
Market Sentiment: PYPL has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$43.75 -
$56.18
Company Quality Score
49/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
60.5%
Protect Your Profits
PYPL is technically overbought (RSI 72). Consider hedging now to protect against a potential pullback while keeping your upside.
View Profit Protection PlanAll Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($58.13)
- BULLISH: Expecting earnings turnaround to 5.2% growth with 4.8% revenue growth
Trading Range Analysis
30-Day Trading Range
$43.75 -
$56.18
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$54.94
Resistance Level
$59.47
Current Trend
Uptrend
Technical data as of
Jul 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.88
Wall Street Target
$58.13
(+1.6%)
Revenue Growth (YoY)
4.8%
Earnings Growth (YoY)
-3.1%
Profit Margin
14.4%
Valuation Premium vs History
+5.2% premium
PE vs Historical
9.9 vs 8.5
STRETCHED
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+5.2%
(market-implied from PE analysis)
1-Year Target
$60.18
(+5%)
2-Year Target
$63.31
(+11%)
3-Year Target
$66.61
(+16%)
3-Yr Target (if PE normalizes)
(PE: 10→9)
PE COMPRESSION
$57.32
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 7.7%)
$149.83
(+162%)
Base:
(SPY PE: 9.9, Growth: 7.7%)
$71.39
(+25%)
Bear:
(PE: 8.4, Growth: 7.7%)
$60.69
(+6%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (11x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 11.02 | Current EPS (TTM): $5.23
Bull Case
$70.23
(+23%)
Analyst growth 10.7%, PE expands to 12.1
Base Case
$63.84
(+12%)
Market implied 10.7%, PE stable at 11.0
Bear Case
$39.20
(-32%)
Severe decline -20.0%, PE contracts to 9.4
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 02, 2026 7:30 AM ET
Data refreshes hourly during market hours. Next update: 8:30 AM
Data refreshes hourly during market hours. Next update: 8:30 AM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is PYPL showing a specific setup today?
Insider Activity (6 Months)
5
Buys
10
Sells
Net
INSIDERS SELLING
Recent Transactions
Ro Khanna
BUY
2026-03-23
Mark Alford
SELL
2026-03-16
Byron Donalds
BUY
2026-03-13
Featured in Portfolios
PYPL is a key holding in these high-performance investment strategies.
Top Rated Credit Services Stocks
Top-rated stocks in Credit Services by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
V
Visa Inc. Class A |
STRONG BUY
41 analysts |
$403 | 52 HOLD |
|
MA
Mastercard Inc |
STRONG BUY
42 analysts |
$644 | 60 HOLD |
|
COF
Capital One Financial Co… |
STRONG BUY
23 analysts |
$257 | 55 HOLD |
|
AFRM
Affirm Holdings Inc |
STRONG BUY
24 analysts |
$91 | 58 HOLD |
|
AXP
American Express Company |
HOLD
30 analysts |
$375 | 53 HOLD |
Advanced PYPL Option Strategies
Professional options setups generated by AI based on today's PYPL price and gamma walls.
