PYPL Stock Analysis: Buy, Sell, or Hold?
PYPL - PayPal Holdings, Inc. Common Stock
$42.34
-0.17 (-0.40%)
▼
5d:
+1.95%
30d:
-4.59%
90d:
-3.79%
BUY
HIGH Confidence
Analysis Updated: Jun 22, 2026 12:00 AM ET
Earnings: Aug 04, 2026
Smart Money Accumulation
None View Scanner →
Strength: 7.0/10
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: PYPL trading at deep discount. Market pricing in -4.7% annual earnings decline, creating value opportunity for patient investors.
✅ BUY SIGNAL: PYPL trading at deep discount. Market pricing in -4.7% annual earnings decline, creating value opportunity for patient investors.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$66.24
Based on 6.3% avg growth
INTRINSIC VALUE TODAY
$41.13
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 $42.34, which is considered slightly low relative to its 30-day fair value range of $41.84 to $44.57. From a valuation perspective, the stock is trading at a discount (Forward PE: 7.3) compared to its historical average (8.5). Remarkably, the market is currently pricing in an annual earnings decline of 4.7% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, PYPL is showing sideways momentum. Immediate support is located at $40.20, while resistance sits at $44.74.
Market Sentiment: The stock shows a mixed technical setup (45/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $51.54 (+21.7%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, PYPL is showing sideways momentum. Immediate support is located at $40.20, while resistance sits at $44.74.
Market Sentiment: The stock shows a mixed technical setup (45/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $51.54 (+21.7%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Historical Trading Range
$41.84 -
$44.57
Company Quality Score
55/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
79.5%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (45/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 21.7% below Wall St target ($51.54)
Trading Range Analysis
30-Day Trading Range
$41.84 -
$44.57
Current vs Trading Range
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$40.20
Resistance Level
$44.74
Current Trend
Sideways
Technical data as of
Jun 22, 2026
Fundamental Context
Forward P/E (Next Year Est.)
7.35
Wall Street Target
$51.54
(+21.7%)
Revenue Growth (YoY)
7.2%
Earnings Growth (YoY)
-6.2%
Profit Margin
15.0%
Valuation Discount vs History
-4.7% cheaper
PE vs Historical
7.4 vs 8.5
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-4.7%
(market-implied from PE analysis)
1-Year Target
$40.35
(-5%)
2-Year Target
$38.45
(-9%)
3-Year Target
$36.65
(-13%)
3-Yr Target (if PE normalizes)
(PE: 7→9)
$42.36
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 8.5%)
$160.15
(+278%)
Base:
(SPY PE: 7.4, Growth: 8.5%)
$54.07
(+28%)
Bear:
(PE: 6.3, Growth: 8.5%)
$45.96
(+9%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (8x PE), but valuation improves significantly next year (7x PE) as earnings recover.
Trailing PE: 7.98 | Current EPS (TTM): $5.33
Bull Case
$50.52
(+19%)
Analyst growth 8.0%, PE expands to 8.8
Base Case
$45.93
(+9%)
Market implied 8.0%, PE stable at 8.0
Bear Case
$28.91
(-32%)
Severe decline -20.0%, PE contracts to 6.8
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 7.4 to 8.5
Stabilization Target:
$48.94
(+15.6%)
PE Expansion Potential:
+15.6%
Share & Embed Analysis
Last updated: June 23, 2026 2:20 AM ET
Data refreshes hourly during market hours. Next update: 3:20 AM
Data refreshes hourly during market hours. Next update: 3:20 AM
🔥 Top Stocks Breaking Out Now
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Technical Signals Check
Is PYPL showing a specific setup today?
Insider Activity (6 Months)
7
Buys
12
Sells
Net
INSIDERS SELLING
Recent Transactions
Ro Khanna
BUY
2026-03-23
Mark Alford
SELL
2026-03-16
Byron Donalds
BUY
2026-03-13
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