Is PYPL a good stock to buy right now?

Based on our 6-factor quantitative model, PayPal Holdings, Inc. (PYPL) receives a "Hold" rating with a composite score of 44.4/100. It is ranked #1,873 out of 4,446 stocks. Key factor scores: Quality 50/100, Value 77/100, Momentum 21/100. The timing signal is "Neutral". This is quantitative analysis only — not investment advice.

What is the stock rating for PYPL?

PayPal Holdings, Inc. (PYPL) has a "Hold" rating and 3-star score. The composite score of 44.4 ranks it #1,873 among 4,446 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is PYPL in?

PayPal Holdings, Inc. operates in the Industrials sector (Business Services industry) with a market cap of $41.09 billion. It is classified as a large-cap stock.

Does PYPL pay a dividend?

PYPL does not currently pay a regular dividend. The company may be reinvesting profits for growth.

What is PYPL's P/E ratio?

PYPL has a trailing P/E ratio of 8.60x. The Industrials sector average is 28.3x. This below-average P/E may indicate the stock is undervalued.

How profitable is PYPL?

PYPL's quality factor score is 50/100. Gross margin: 100.0%. ROE: 23.7% vs sector average 8.9%. High margins suggest pricing power and competitive moats.

How is PYPL valued compared to peers?

PYPL's value factor score is 77/100 (higher = cheaper). Key multiples: P/E 8.6x, EV/EBITDA 7.0x. The stock appears attractively valued versus peers.

What is PYPL's debt level?

PYPL's debt-to-equity ratio is 296%. Sector average: 70%. Elevated leverage increases credit risk.

PYPL has a beta of 1.24, meaning it amplifies market moves. Stability score: 54/100.

Does PYPL have high short interest?

PYPL's short interest factor score is 41/100 (higher = less short selling). Elevated short interest may indicate bearish sentiment or short squeeze potential.

PYPL Stock Analysis: Hold (Score 44.4/100) | Blank Capital Research

Data Series	1D	5D	1M	YTD	1Y	3Y	5Y	10Y
PYPL	-1.61%	-0.22%	+0.49%	-22.51%	-25.30%	-	-	-
Industry Proxy XLI	-0.39%	+4.73%	+0.88%	+10.57%	+38.89%	-	-	-
U.S. Market SPY	-0.07%	+3.60%	+0.34%	-0.36%	+29.52%	-	-	-
Alpha vs Market	-1.54%	-3.82%	+0.15%	-22.15%	-54.82%	-	-	-
Alpha vs Sector	-1.22%	-4.95%	-0.39%	-33.08%	-64.19%	-	-	-

Metric	PYPL	Benchmark
P/E Ratio	8.6x	-70%
EV/EBITDA	7.0x	+22%
Price / Book	2.0x

Stock Entity	Score▼	Quality	Value	Momentum	P/E Ratio	ROE	Gross Margin	Net Margin	Rev Growth	D/E Ratio	Market Cap	Compare
STNG Scorpio Tankers Inc.	64	43	96	73	-	93.3%	63.1%	53.8%	-	30.0x	$3.8B	VS
TNK TEEKAY TANKERS LTD.	62	50	97	71	6.4x	91.9%	67.0%	32.8%	-	0.0x	$2.5B	VS
TEN TSAKOS ENERGY NAVIGATION LTD	61	50	86	75	7.6x	42.1%	97.8%	22.6%	-	103.0x	$1.2B	VS
HAFN Hafnia Ltd	60	42	79	77	-	439.1%	48.5%	27.0%	-	0.0x	$3.8B	VS
TPH Tri Pointe Homes, Inc.	57	50	67	66	13.6x	8.8%	47.5%	7.9%	-26.0%	50.0x	$4.0B	VS
GLDD Great Lakes Dredge & Dock CORP	57	50	69	70	16.3x	13.5%	22.2%	8.1%	14.8%	73.0x	$1.1B	VS
SOBO South Bow Corp	57	39	79	66	22.0x	48.4%	82.3%	14.9%	-	219.0x	$6.8B	VS
IMPP Imperial Petroleum Inc./Marshall Islands	54	44	98	58	2.8x	47.7%	100.0%	34.0%	-19.7%	0.0x	$156M	VS
CCO Clear Channel Outdoor Holdings, Inc.	52	48	58	69	59.3x	-	53.4%	-0.3%	7.7%	-	$1.2B	VS
IMXI International Money Express, Inc.	52	50	73	52	11.6x	25.5%	0.0%	6.4%	-9.7%	221.0x	$476M	VS
PYPL PayPal Holdings, Inc.	44	50	77	21	8.6x	23.7%	100.0%	14.9%	6.8%	296.0x	$41.1B

Key Ratio	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Gross Margin %	1.0%	-	1.0%	-	-	-	1.0%	1.0%	1.0%	1.0%	1.0%
Operating Margin %	0.2%	0.2%	0.2%	0.2%	0.1%	0.2%	0.2%	0.2%	0.1%	0.2%	0.1%
EBITDA Margin %	0.2%	0.2%	0.2%	0.2%	0.1%	0.2%	0.3%	0.2%	0.2%	0.2%	0.2%
Net Margin %	0.1%	0.2%	0.1%	0.1%	0.1%	0.2%	0.2%	0.1%	0.1%	0.1%	0.1%
FCF Margin %	-6.0%	-	21.3%	-	-	-	23.2%	18.9%	30.1%	14.2%	23.0%
ROE %	0.2%	0.3%	0.2%	0.2%	0.1%	0.2%	0.2%	0.1%	0.1%	0.1%	0.1%
ROA %	0.1%	0.1%	0.1%	0.1%	0.0%	0.1%	0.1%	0.0%	0.0%	0.0%	0.0%
ROIC %	20.8%	23.7%	17.7%	18.9%	15.0%	15.5%	10.8%	14.8%	17.7%	11.9%	9.5%

Key Ratio

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

Gross Margin %

1.0%

Operating Margin %

0.2%

0.1%

0.2%

0.1%

0.2%

0.1%

EBITDA Margin %

0.2%

0.1%

0.2%

0.3%

0.2%

Net Margin %

0.1%

0.2%

0.1%

0.2%

0.1%

FCF Margin %

-6.0%

21.3%

23.2%

18.9%

30.1%

14.2%

23.0%

ROE %

0.2%

0.3%

0.2%

0.1%

0.2%

0.1%

ROA %

0.1%

0.0%

0.1%

0.0%

ROIC %

20.8%

23.7%

17.7%

18.9%

15.0%

15.5%

10.8%

14.8%

17.7%

11.9%

9.5%

Line Item	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
	$32.3B	$33.2B	$31.8B	$29.8B	$27.5B	$25.4B	$21.5B	$17.8B	$15.5B	$13.1B	$10.8B	$9.2B
	—	—	$31.8B	—	—	—	$21.5B	$17.8B	$15.5B	$13.1B	$10.8B	$9.2B
Gross Margin	100.0%	---	100.0%	---	---	---	100.0%	100.0%	100.0%	100.0%	100.0%	100.0%
	—	—	$3.0B	—	—	—	$2.6B	$2.1B	$1.8B	$1.7B	$834M	$792M
Depreciation	—	—	$697M	—	—	—	$1.2B	$912M	$776M	$805M	$724M	$608M
Total Operating Expenses	—	$27.1B	—	$24.7B	$23.7B	$21.1B	—	—	—	—	—	—
	$5.9B	$6.1B	$5.3B	$5.0B	$3.8B	$4.3B	$3.3B	$2.7B	$2.2B	$2.1B	$1.6B	$1.5B
EBIT	$5.9B	$6.1B	$5.3B	$5.0B	$3.8B	$4.3B	$3.3B	$2.7B	$2.2B	$2.1B	$1.6B	$1.5B
EBITDA	$5.9B	$6.1B	$6.0B	$5.0B	$3.8B	$4.3B	$6.3B	$3.9B	$3.2B	$3.0B	$2.4B	$2.1B
Operating Margin	18.4%	18.3%	16.8%	16.9%	13.9%	16.8%	15.3%	15.3%	14.2%	16.2%	14.6%	15.8%
EBITDA Margin	18.4%	18.3%	19.0%	16.9%	13.9%	16.8%	29.2%	22.0%	20.4%	22.9%	21.7%	22.7%
	—	—	—	$347M	$304M	$232M	—	—	—	—	—	—
	—	$33.2B	—	$29.8B	$3.4B	$4.1B	—	—	—	—	—	—
Income Tax Expense	—	$1.1B	$1.2B	$1.2B	$947M	-$70M	$863M	$539M	$319M	$405M	$230M	$260M
	$4.8B	$5.2B	$4.1B	$4.2B	$2.4B	$4.2B	$4.2B	$2.5B	$2.1B	$1.8B	$1.4B	$1.2B
Net Margin	14.9%	15.8%	13.0%	14.3%	8.8%	16.4%	19.6%	13.8%	13.3%	13.7%	12.9%	13.3%
	$5.46	$5.46	$4.03	$3.85	$2.10	$3.55	$3.58	$2.09	$1.74	$1.49	$1.16	$1.00
Diluted EPS	$5.46	$5.41	$4.03	$3.84	$2.09	$3.52	$3.58	$2.09	$1.74	$1.49	$1.16	$1.00
Weighted Avg Basic	—	959M	—	1.1B	1.2B	1.2B	—	—	—	—	—	—
Weighted Avg Diluted	—	968M	—	1.1B	1.2B	1.2B	—	—	—	—	—	—

Line Item

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

2015

$32.3B

$33.2B

$31.8B

$29.8B

$27.5B

$25.4B

$21.5B

$17.8B

$15.5B

$13.1B

$10.8B

$9.2B

—

$31.8B

—

$21.5B

$17.8B

$15.5B

$13.1B

$10.8B

$9.2B

Gross Margin

100.0%

---

100.0%

---

100.0%

—

$3.0B

—

$2.6B

$2.1B

$1.8B

$1.7B

$834M

$792M

Depreciation

—

$697M

—

$1.2B

$912M

$776M

$805M

$724M

$608M

Total Operating Expenses

—

$27.1B

—

$24.7B

$23.7B

$21.1B

—

$5.9B

$6.1B

$5.3B

$5.0B

$3.8B

$4.3B

$3.3B

$2.7B

$2.2B

$2.1B

$1.6B

$1.5B

EBIT

$5.9B

$6.1B

$5.3B

$5.0B

$3.8B

$4.3B

$3.3B

$2.7B

$2.2B

$2.1B

$1.6B

$1.5B

EBITDA

$5.9B

$6.1B

$6.0B

$5.0B

$3.8B

$4.3B

$6.3B

$3.9B

$3.2B

$3.0B

$2.4B

$2.1B

Operating Margin

18.4%

18.3%

16.8%

16.9%

13.9%

16.8%

15.3%

14.2%

16.2%

14.6%

15.8%

EBITDA Margin

18.4%

18.3%

19.0%

16.9%

13.9%

16.8%

29.2%

22.0%

20.4%

22.9%

21.7%

22.7%

—

$347M

$304M

$232M

—

$33.2B

—

$29.8B

$3.4B

$4.1B

—

Income Tax Expense

—

$1.1B

$1.2B

$947M

-$70M

$863M

$539M

$319M

$405M

$230M

$260M

$4.8B

$5.2B

$4.1B

$4.2B

$2.4B

$4.2B

$2.5B

$2.1B

$1.8B

$1.4B

$1.2B

Net Margin

14.9%

15.8%

13.0%

14.3%

8.8%

16.4%

19.6%

13.8%

13.3%

13.7%

12.9%

13.3%

$5.46

$4.03

$3.85

$2.10

$3.55

$3.58

$2.09

$1.74

$1.49

$1.16

$1.00

Diluted EPS

$5.46

$5.41

$4.03

$3.84

$2.09

$3.52

$3.58

$2.09

$1.74

$1.49

$1.16

$1.00

Weighted Avg Basic

—

959M

—

1.1B

1.2B

—

Weighted Avg Diluted

—

968M

—

1.1B

1.2B

—

PayPal Holdings, Inc. (PYPL) Stock Analysis — April 2026 Rating, Price, and Forecast

Last updated: April 2026

Company Overview — What Does PayPal Holdings, Inc. Do?

PayPal Holdings, Inc. operates a technology platform that enables digital payments on behalf of merchants and consumers worldwide. It provides payment solutions under the PayPal, PayPal Credit, Braintree, Venmo, Xoom, Zettle, Hyperwallet, Honey, and Paidy names. The company's payments platform allows consumers to send and receive payments in approximately 200 markets and in approximately 100 currencies, withdraw funds to their bank accounts in 56 currencies, and hold balances in their PayPal accounts in 25 currencies. PayPal Holdings, Inc. was founded in 1998 and is headquartered in San Jose, California. PayPal Holdings, Inc. (PYPL) is classified as a large-cap stock in the Industrials sector, specifically within the Business Services industry. The company is led by CEO Daniel H. Schulman and employs approximately 29,900 people, headquartered in San Jose, California. With a market capitalization of $41.1B, PYPL is one of the prominent companies in the Industrials sector.

PayPal Holdings, Inc. (PYPL) Stock Rating — Hold (April 2026)

As of April 2026, PayPal Holdings, Inc. receives a Hold rating with a composite score of 44.4/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.PYPL ranks #1,873 out of 4,446 stocks in our coverage universe. Within the Industrials sector, PayPal Holdings, Inc. ranks #295 of 752 stocks, placing it in the upper half of its Industrials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

PYPL Stock Price and 52-Week Range

PayPal Holdings, Inc. (PYPL) currently trades at $45.27. The stock lost $0.71 (1.5%) in the most recent trading session. The 52-week high for PYPL is $79.50, which means the stock is currently trading -43.1% from its annual peak. The 52-week low is $38.46, putting the stock 17.7% above its annual trough. Recent trading volume was 13.1M shares, indicating strong institutional interest and high liquidity.

Is PYPL Overvalued or Undervalued? — Valuation Analysis

PayPal Holdings, Inc. (PYPL) carries a value factor score of 77/100 in the Blank Capital model, suggesting the stock trades at a meaningful discount to its fundamental earning power. The trailing price-to-earnings ratio is 8.60x, compared to the Industrials sector average of 28.33x — a discount of 70%. The price-to-book ratio stands at 2.04x, versus the sector average of 2.23x. The price-to-sales ratio is 1.28x, compared to 0.50x for the average Industrials stock. On an enterprise value basis, PYPL trades at 6.95x EV/EBITDA, versus 5.70x for the sector.

Based on these multiples, PayPal Holdings, Inc. appears attractively valued relative to both its sector peers and the broader market. Value-oriented investors may find the current entry point compelling, particularly if the company's fundamental quality metrics also score well.

PayPal Holdings, Inc. Profitability — ROE, Margins, and Quality Score

PayPal Holdings, Inc. (PYPL) earns a quality factor score of 50/100, indicating solid business quality with consistent operational execution. The return on equity (ROE) is 23.7%, compared to the Industrials sector average of 8.9%, which demonstrates strong shareholder value creation. Return on assets (ROA) comes in at 6.0% versus the sector average of 3.3%.

On a margin basis, PayPal Holdings, Inc. reports gross margins of 100.0%, compared to 35.8% for the sector. The operating margin is 18.4% (sector: 6.2%). Net profit margin stands at 14.9%, versus 3.9% for the average Industrials stock. Revenue growth is running at 6.8% on a trailing basis, compared to 6.4% for the sector. The overall profitability profile is adequate, though there may be room for margin expansion.

PYPL Debt, Balance Sheet, and Financial Health

PayPal Holdings, Inc. has a debt-to-equity ratio of 296.0%, compared to the Industrials sector average of 70.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.29x, suggesting adequate working capital coverage. Total debt on the balance sheet is $11.28B. Cash and equivalents stand at $8.99B.

PYPL has a beta of 1.24, meaning it is more volatile than the broader market — a $10,000 investment in PYPL would be expected to move 23.8% more than the S&P 500 on any given day. The stability factor score for PayPal Holdings, Inc. is 54/100, reflecting average volatility within the normal range for its sector.

PayPal Holdings, Inc. Revenue and Earnings History — Quarterly Trend

In TTM 2026, PayPal Holdings, Inc. reported revenue of $32.34B and earnings per share (EPS) of $5.46. Net income for the quarter was $4.81B. Gross margin was 100.0%. Operating income came in at $5.95B.

In FY 2025, PayPal Holdings, Inc. reported revenue of $33.17B and earnings per share (EPS) of $5.46. Net income for the quarter was $5.23B. Revenue grew 4.3% year-over-year compared to FY 2024. Operating income came in at $6.07B.

In Q3 2025, PayPal Holdings, Inc. reported revenue of $8.42B and earnings per share (EPS) of $1.31. Net income for the quarter was $1.25B. Revenue grew 7.3% year-over-year compared to Q3 2024. Operating income came in at $1.52B.

In Q2 2025, PayPal Holdings, Inc. reported revenue of $8.29B and earnings per share (EPS) of $1.30. Net income for the quarter was $1.26B. Revenue grew 5.1% year-over-year compared to Q2 2024. Operating income came in at $1.50B.

Over the past 8 quarters, PayPal Holdings, Inc. has demonstrated a growth trajectory, with revenue expanding from $7.88B to $32.34B. Investors analyzing PYPL stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

PYPL Dividend Yield and Income Analysis

PayPal Holdings, Inc. (PYPL) does not currently pay a dividend. This is common among growth-oriented companies in the Business Services industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Industrials dividend stocks may want to explore other Industrials stocks or use the stock screener to filter by dividend yield.

PYPL Momentum and Technical Analysis Profile

PayPal Holdings, Inc. (PYPL) has a momentum factor score of 21/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 30/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 41/100 reflects moderate short selling activity.

PYPL vs Competitors — Industrials Sector Ranking and Peer Comparison

Within the Industrials sector, PayPal Holdings, Inc. (PYPL) ranks #295 out of 752 stocks based on the Blank Capital composite score. This places PYPL in the upper half of all Industrials stocks in our coverage universe. Key competitors and sector peers include South Bow Corp (SOBO) with a score of 56.5/100, TSAKOS ENERGY NAVIGATION LTD (TEN) with a score of 61.4/100, Great Lakes Dredge & Dock CORP (GLDD) with a score of 56.7/100, Tri Pointe Homes, Inc. (TPH) with a score of 57.3/100, and Clear Channel Outdoor Holdings, Inc. (CCO) with a score of 52.2/100.

Comparing PYPL against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full PYPL vs S&P 500 (SPY) comparison to assess how PayPal Holdings, Inc. stacks up against the broader market across all factor dimensions.

PYPL Next Earnings Date

No upcoming earnings date has been announced for PayPal Holdings, Inc. (PYPL) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy PYPL? — Investment Thesis Summary

PayPal Holdings, Inc. presents a balanced picture with arguments on both sides. The value score of 77/100 suggests attractive pricing relative to fundamentals. Momentum is weak at 21/100, a headwind for near-term performance.

In summary, PayPal Holdings, Inc. (PYPL) earns a Hold rating with a composite score of 44.4/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on PYPL stock.

Related Resources for PYPL Investors

Explore more research and tools: PYPL vs S&P 500 comparison, top Industrials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare PYPL head-to-head with peers: PYPL vs SOBO, PYPL vs TEN, PYPL vs GLDD.

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PayPal Holdings, Inc. (PYPL) Stock Analysis — April 2026 Rating, Price, and Forecast

Company Overview — What Does PayPal Holdings, Inc. Do?

PayPal Holdings, Inc. (PYPL) Stock Rating — Hold (April 2026)

PYPL Stock Price and 52-Week Range

Is PYPL Overvalued or Undervalued? — Valuation Analysis

PayPal Holdings, Inc. Profitability — ROE, Margins, and Quality Score

PYPL Debt, Balance Sheet, and Financial Health

PayPal Holdings, Inc. Revenue and Earnings History — Quarterly Trend

PYPL Dividend Yield and Income Analysis

PYPL Momentum and Technical Analysis Profile

PYPL vs Competitors — Industrials Sector Ranking and Peer Comparison

PYPL Next Earnings Date

Should You Buy PYPL? — Investment Thesis Summary

Related Resources for PYPL Investors

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