PayPal (PYPL)
Market Price (12/23/2025): $60.01 | Market Cap: $57.0 BilSector: Financials | Industry: Transaction & Payment Processing Services
PayPal (PYPL)
Market Price (12/23/2025): $60.01Market Cap: $57.0 BilSector: FinancialsIndustry: Transaction & Payment Processing Services
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.6%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.4%, FCF Yield is 9.8% | Weak multi-year price returns2Y Excs Rtn is -47%, 3Y Excs Rtn is -91% | Key risksPYPL key risks include [1] intense competition eroding market share in its core branded checkout business and [2] navigating the specific regulatory landscape for its PYUSD stablecoin. |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 20%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 17%, CFO LTM is 6.4 Bil, FCF LTM is 5.6 Bil | ||
| Low stock price volatilityVol 12M is 38% | ||
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments, E-commerce & Digital Retail, Cybersecurity, and AI in Financial Services. Show more. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.6%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.4%, FCF Yield is 9.8% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 20%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 17%, CFO LTM is 6.4 Bil, FCF LTM is 5.6 Bil |
| Low stock price volatilityVol 12M is 38% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments, E-commerce & Digital Retail, Cybersecurity, and AI in Financial Services. Show more. |
| Weak multi-year price returns2Y Excs Rtn is -47%, 3Y Excs Rtn is -91% |
| Key risksPYPL key risks include [1] intense competition eroding market share in its core branded checkout business and [2] navigating the specific regulatory landscape for its PYUSD stablecoin. |
Why The Stock Moved
Qualitative Assessment
AI Analysis | Feedback
1. The requested period, from August 31, 2025, to December 23, 2025, falls outside the scope of available historical market data.2. Factual reasons for a -14.5% stock movement within this future timeframe cannot be retrieved.
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Stock Movement Drivers
Fundamental Drivers
The -11.3% change in PYPL stock from 9/22/2025 to 12/22/2025 was primarily driven by a -17.3% change in the company's P/E Multiple.| 9222025 | 12222025 | Change | |
|---|---|---|---|
| Stock Price ($) | 67.52 | 59.86 | -11.35% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 32292.00 | 32862.00 | 1.77% |
| Net Income Margin (%) | 14.49% | 14.96% | 3.26% |
| P/E Multiple | 13.98 | 11.57 | -17.29% |
| Shares Outstanding (Mil) | 969.00 | 950.00 | 1.96% |
| Cumulative Contribution | -11.38% |
Market Drivers
9/22/2025 to 12/22/2025| Return | Correlation | |
|---|---|---|
| PYPL | -11.3% | |
| Market (SPY) | 2.7% | 55.0% |
| Sector (XLF) | 2.4% | 50.4% |
Fundamental Drivers
The -16.7% change in PYPL stock from 6/23/2025 to 12/22/2025 was primarily driven by a -25.8% change in the company's P/E Multiple.| 6232025 | 12222025 | Change | |
|---|---|---|---|
| Stock Price ($) | 71.84 | 59.86 | -16.68% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 31889.00 | 32862.00 | 3.05% |
| Net Income Margin (%) | 14.26% | 14.96% | 4.96% |
| P/E Multiple | 15.58 | 11.57 | -25.78% |
| Shares Outstanding (Mil) | 986.00 | 950.00 | 3.65% |
| Cumulative Contribution | -16.79% |
Market Drivers
6/23/2025 to 12/22/2025| Return | Correlation | |
|---|---|---|
| PYPL | -16.7% | |
| Market (SPY) | 14.4% | 51.5% |
| Sector (XLF) | 9.2% | 52.1% |
Fundamental Drivers
The -31.1% change in PYPL stock from 12/22/2024 to 12/22/2025 was primarily driven by a -42.0% change in the company's P/E Multiple.| 12222024 | 12222025 | Change | |
|---|---|---|---|
| Stock Price ($) | 86.93 | 59.86 | -31.14% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 31457.00 | 32862.00 | 4.47% |
| Net Income Margin (%) | 14.08% | 14.96% | 6.30% |
| P/E Multiple | 19.93 | 11.57 | -41.96% |
| Shares Outstanding (Mil) | 1015.00 | 950.00 | 6.40% |
| Cumulative Contribution | -31.42% |
Market Drivers
12/22/2024 to 12/22/2025| Return | Correlation | |
|---|---|---|
| PYPL | -31.1% | |
| Market (SPY) | 16.9% | 63.5% |
| Sector (XLF) | 15.7% | 63.9% |
Fundamental Drivers
The -13.1% change in PYPL stock from 12/23/2022 to 12/22/2025 was primarily driven by a -66.5% change in the company's P/E Multiple.| 12232022 | 12222025 | Change | |
|---|---|---|---|
| Stock Price ($) | 68.87 | 59.86 | -13.08% |
| Change Contribution By | LTM | LTM | |
| Total Revenues ($ Mil) | 27053.00 | 32862.00 | 21.47% |
| Net Income Margin (%) | 8.50% | 14.96% | 76.07% |
| P/E Multiple | 34.57 | 11.57 | -66.55% |
| Shares Outstanding (Mil) | 1154.00 | 950.00 | 17.68% |
| Cumulative Contribution | -15.80% |
Market Drivers
12/23/2023 to 12/22/2025| Return | Correlation | |
|---|---|---|
| PYPL | -3.0% | |
| Market (SPY) | 47.7% | 54.9% |
| Sector (XLF) | 52.0% | 55.9% |
Price Returns Compared
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| PYPL Return | 117% | -19% | -62% | -14% | 39% | -30% | -45% |
| Peers Return | � | � | -48% | 140% | 32% | 36% | � |
| S&P 500 Return | 16% | 27% | -19% | 24% | 23% | 17% | 113% |
Monthly Win Rates [3] | |||||||
| PYPL Win Rate | 67% | 50% | 25% | 58% | 58% | 50% | |
| Peers Win Rate | � | 47% | 32% | 65% | 53% | 60% | |
| S&P 500 Win Rate | 58% | 75% | 42% | 67% | 75% | 73% | |
Max Drawdowns [4] | |||||||
| PYPL Max Drawdown | -21% | -23% | -64% | -29% | -9% | -33% | |
| Peers Max Drawdown | � | � | -57% | -2% | -25% | -24% | |
| S&P 500 Max Drawdown | -31% | -1% | -25% | -1% | -2% | -15% | |
[1] Cumulative total returns since the beginning of 2020
[2] Peers: V, MA, SHOP, AFRM, SOFI. See PYPL Returns vs. Peers.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2025 data is for the year up to 12/22/2025 (YTD)
How Low Can It Go
| Event | PYPL | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -83.7% | -25.4% |
| % Gain to Breakeven | 512.3% | 34.1% |
| Time to Breakeven | Not Fully Recovered days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -31.2% | -33.9% |
| % Gain to Breakeven | 45.3% | 51.3% |
| Time to Breakeven | 43 days | 148 days |
| 2018 Correction | ||
| % Loss | -20.3% | -19.8% |
| % Gain to Breakeven | 25.5% | 24.7% |
| Time to Breakeven | 114 days | 120 days |
Compare to GOOGL, AMZN, SHOP, INTU, MA
In The Past
PayPal's stock fell -83.7% during the 2022 Inflation Shock from a high on 7/23/2021. A -83.7% loss requires a 512.3% gain to breakeven.
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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.
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Here are 1-3 brief analogies for PayPal:- The Visa or Mastercard for online payments.
- The digital wallet of the internet, similar to Google Pay or Apple Pay for online shopping.
- A blend of Zelle for sending money to friends and a credit card processor for online businesses.
AI Analysis | Feedback
- PayPal Platform: An online payment processing service enabling individuals and businesses to send, receive, and manage money securely for online purchases and transactions.
- Venmo: A mobile app-based peer-to-peer payment service primarily used for sending and receiving money among friends and family, often with a social sharing component.
- Braintree: A payment gateway service providing businesses with solutions to accept various payment methods, including credit cards, debit cards, and digital wallets, for online and in-app transactions.
- Xoom: An international money transfer service allowing users to send money abroad for bank deposits, cash pickup, or mobile wallet transfers.
- PayPal Credit: A digital revolving line of credit offered to users for purchases made through PayPal, often including promotional financing options.
- PayPal Zettle: Point-of-sale (POS) solutions, including hardware and software, for small businesses to accept in-person card and contactless payments.
- Honey: A browser extension that automatically finds and applies coupon codes at checkout and offers rewards programs for online shoppers.
AI Analysis | Feedback
While PayPal (PYPL) generates a significant portion of its revenue from fees charged to businesses (merchants) for payment processing services, its fundamental business model and ecosystem value are built upon serving and attracting a vast network of individual users. These individuals drive the demand for PayPal's services, whether by making purchases or sending money, ultimately making them its primary "customers" in terms of user engagement and ecosystem participation. Therefore, PayPal primarily serves individuals.
The company serves up to three main categories of individual customers:
- Online Shoppers and Consumers: This is a core customer group comprising individuals who use their PayPal accounts to make secure and convenient purchases of goods and services from various online merchants worldwide. They are drawn to PayPal for its buyer protection, streamlined checkout process, and the ability to manage multiple payment methods within a single digital wallet.
- Peer-to-Peer (P2P) Users: Individuals who utilize PayPal and its subsidiary Venmo to send and receive money from friends, family, or other acquaintances. This category is driven by the need for quick, easy, and often social money transfers for purposes such as splitting bills, sending gifts, or sharing expenses.
- Freelancers and Small Service Providers: This segment includes individuals who use PayPal to receive payments for services they provide, such as freelance work, consulting, tutoring, or selling handmade goods. They often operate as individual entrepreneurs or micro-merchants, seeking a straightforward and accessible way to accept payments from their clients or customers without needing a complex traditional merchant account.
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- Visa (V)
- Mastercard (MA)
- American Express (AXP)
- Discover Financial Services (DFS)
- Equinix (EQIX)
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Here is the management team for PayPal: Alex Chriss, President & Chief Executive Officer Alex Chriss has over two decades of experience in technology, focusing on helping individuals and small businesses with their financial challenges. He founded and successfully sold two startups early in his career. Prior to joining PayPal, he spent nearly two decades at Intuit, where he served as the Executive Vice President and General Manager of the Small Business and Self-Employed Group, overseeing key products like QuickBooks and Mailchimp. A notable achievement during his tenure at Intuit was leading the $12 billion acquisition of Mailchimp in 2021. Chriss is recognized for his customer-centric approach, product innovation, and driving digital transformation. Jamie Miller, Chief Financial & Operating Officer Jamie Miller brings over 30 years of experience in finance and corporate strategy to PayPal. Before her role at PayPal, she was the Global CFO of EY, where she led the separation and IPO of its strategy, tax, and consulting business. She also served as CFO at Cargill, a private company, overseeing all financial activities, corporate strategy, and business development. Prior to Cargill, Miller spent 12 years at General Electric, holding positions such as Senior Vice President and CFO, CEO of GE Transportation, Chief Information Officer, and Chief Accounting Officer, where she played a significant role in GE's financial turnaround. Earlier in her career, she was a Partner at PricewaterhouseCoopers LLP. She has experience guiding both public and private companies through dynamic environments and transformations. Miller also serves on the board of directors for Qualcomm. Isabel Cruz, Chief People Officer Isabel Cruz is the Chief People Officer at PayPal. She is responsible for leading PayPal's global human resources organization. Her background includes extensive experience in human resources leadership roles at various companies, focusing on talent management, organizational development, and fostering inclusive workplace cultures. Michelle Gill, General Manager, Small Business & Financial Services Group Michelle Gill serves as the General Manager of the Small Business & Financial Services Group at PayPal. Her career includes leadership roles in financial services and technology, with a focus on developing strategies and products for small businesses. She has held positions at companies like Intuit and Varo Bank, bringing expertise in consumer and small business banking, product management, and growth strategies. Srini Venkatesan, Chief Technology Officer Srini Venkatesan is the Chief Technology Officer at PayPal. He is responsible for PayPal's global technology vision, strategy, and execution. His experience spans over two decades in the technology sector, with a focus on product development, engineering, and leading large-scale technology organizations. Prior to joining PayPal, he held leadership positions at Verizon Media and Yahoo, where he was involved in driving technological innovation and digital transformation.AI Analysis | Feedback
The public company PayPal (symbol: PYPL) faces several key risks to its business operations and financial performance:
-
Intense Competition and Market Share Erosion
PayPal faces substantial and escalating competition within the global payments industry from a diverse range of players, including traditional financial institutions and emerging fintech companies like Stripe, Adyen, Apple Pay, and Google Pay. This intense competitive landscape is impacting PayPal's growth, particularly in its core branded checkout business, leading to concerns about slower growth and potential market share erosion. Analysts have noted that rivals are growing faster and gaining market share, which could negatively affect PayPal's profits and sales. The company is undertaking a strategic pivot to prioritize profitable growth over raw user count, a move that carries inherent risks in the current competitive environment.
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Regulatory and Compliance Risks
PayPal operates in a highly regulated environment across numerous jurisdictions, exposing it to significant regulatory and compliance risks. The company is subject to extensive government oversight, including anti-money laundering (AML) regulations, data privacy laws, and payment transfer laws. Violations of these regulations can result in substantial penalties, legal fees, costly operational changes, and reputational damage. For example, PayPal has faced fines related to cybersecurity violations and has been scrutinized for AML compliance. The evolving regulatory landscape for cryptocurrencies, including its stablecoin PYUSD, also presents a risk, requiring the company to navigate additional licensing requirements and potential inquiries.
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Cybersecurity Threats and Fraud
As a prominent digital payment platform handling billions of transactions, PayPal is a frequent target for cybercriminals, leading to ongoing cybersecurity threats and fraud risks. The company faces vulnerabilities such as phishing scams, account takeovers through credential theft, and data breaches. Recent incidents have highlighted lapses in cybersecurity practices, leading to regulatory fines and exposure of customer data, including Social Security numbers. Such security compromises can result in direct financial losses, negative publicity, erosion of customer trust, and increased operational costs for fraud detection and prevention.
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The increasing ubiquity and feature expansion of native digital wallets and financial services offered by major tech companies like Apple (e.g., Apple Pay, Apple Pay Later, Apple Savings, Apple Card) and Google (e.g., Google Pay). These deeply integrated solutions often provide a more seamless user experience for online, in-app, and contactless payments, directly competing with PayPal's core checkout services, Venmo, and consumer finance offerings.
The fragmentation of the online checkout landscape driven by the rise of integrated payment solutions from e-commerce platforms (e.g., Shopify Payments) and the proliferation of dedicated Buy Now Pay Later (BNPL) providers (e.g., Affirm, Klarna, Afterpay), including those launched by competitors like Apple. These alternatives offer merchants and consumers more choice, reducing PayPal's exclusive or primary position in many online transactions and competing directly for installment payment volume.
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PayPal Holdings, Inc. (PYPL) operates in several large and growing addressable markets for its main products and services, primarily within the digital payments landscape.
- Digital Payments (Overall): The global digital payment market was valued at approximately USD 105.3 billion in 2023 and is projected to reach around USD 514.9 billion by 2033, growing at a compound annual growth rate (CAGR) of 17.2% from 2024 to 2033. Other estimates place the global digital payments market size at USD 119.40 billion in 2024, expected to grow to USD 578.33 billion by 2033 with a CAGR of 19.16% during the forecast period (2025-2033). Another source indicates the market is expected to reach US$ 32.07 trillion by 2033, from US$ 10.18 trillion in 2024, with a CAGR of 13.59% from 2025 to 2033.
- Peer-to-Peer (P2P) Payments: The global P2P payment market was valued at $2,851.1 million in 2024 and is projected to reach $14,506.8 million by 2034, growing at a CAGR of 17.3% from 2025 to 2034. Another estimate states the market size for P2P payment platforms globally was $41.6 billion in 2024 and is forecast to reach $92.4 billion by 2033. In the U.S., Venmo, a PayPal subsidiary, captured 81% of all U.S. P2P digital wallet transactions in 2025. The U.S. mobile P2P payment market is used by an estimated 82.5 million users.
- Online Payment Gateways (including Braintree): The global online payment gateway market is projected to grow from USD 34,222.63 million in 2024 to USD 111,463.98 million by 2035, exhibiting a CAGR of 11.33% during the forecast period.
- Cross-Border Payments: The global cross-border payments market is identified as a "$290 trillion juggernaut by 2030," with a projected CAGR of 7.10%. PayPal's "PayPal World" platform, launched in 2025, aims to unlock over $10 trillion in cross-border transaction value by 2030.
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PayPal (PYPL) is focusing on several key initiatives to drive future revenue growth over the next two to three years.
Here are 3-5 expected drivers of future revenue growth:
- Winning Checkout and Modernizing Experiences: PayPal is investing in upgrading its checkout experiences, including initiatives like Fastlane and PayPal World, to boost conversion rates globally and drive durable branded checkout growth. These efforts aim to enhance online and offline payment experiences, including through subscriptions.
- Scaling Venmo: Venmo continues to be a significant growth driver, with increasing total payment volume (TPV), monthly debit activity, and expanded integration into "Pay with Venmo" and merchant checkout. This expansion is contributing to improved branded transaction margins.
- Expansion of Buy Now, Pay Later (BNPL) Services: The company is expanding its BNPL services into new markets, and this segment is already demonstrating strong year-over-year growth.
- Leveraging AI and Data for New Services (including Advertising): PayPal is focusing on leveraging its extensive consumer spending data to enhance its advertising business, PayPal Ads, by creating targeted discounts and personalized recommendations using artificial intelligence. A notable partnership with OpenAI will enable a "Buy with PayPal" button within ChatGPT starting in 2026, allowing customers to make purchases directly within the chatbot.
- Driving PSP Profitability and Unified Merchant Offering: PayPal aims to improve the profitability of its payment processing services (PSP), including through renegotiations related to Braintree, to secure better economics and strategic partnerships. The launch of PayPal Open, a new unified merchant offering, is designed to consolidate platforms and better serve the evolving needs of both consumers and merchants.
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Share Repurchases
- PayPal has spent over $30 billion buying back shares since 2015.
- In 2024, the company repurchased approximately $6 billion worth of shares.
- PayPal's board authorized an additional $15 billion stock repurchase program in 2024, following a previous $15 billion authorization in June 2022. In Q2 2025, PayPal repurchased $1.5 billion in shares.
Share Issuance
- PayPal's outstanding shares have been declining due to consistent share repurchases, with shares outstanding decreasing from 1.158 billion in 2022 to 960 million in Q3 2025.
- Minimal stock issuances have been observed in recent quarters.
Outbound Investments
- In September 2025, PayPal announced a two-year agreement for funds managed by Blue Owl Capital to purchase approximately $7 billion of PayPal's U.S. "Pay in 4" (Buy Now, Pay Later) receivables. This strategy aims to support the growth of its Pay Later portfolio and enable greater investment in strategic initiatives.
- In September 2025, PayPal committed to invest $100 million in the Middle East and Africa over the coming years through a mix of minority investments, acquisitions, and PayPal Ventures funding to fuel digital growth and support entrepreneurs.
Capital Expenditures
- PayPal's capital expenditures for fiscal years 2020 to 2024 averaged $757.2 million.
- Annual capital expenditures were $866 million in 2020, $908 million in 2021, $706 million in 2022, $623 million in 2023, and $683 million in 2024.
- For fiscal year 2025, PayPal expects capital expenditures of approximately $1 billion, with a significant portion geared towards growth.
Latest Trefis Analyses
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Trade Ideas
Select ideas related to PYPL. For more, see Trefis Trade Ideas.
| Date | Ticker | Company | Category | Trade Strategy | 6M Fwd Rtn | 12M Fwd Rtn | 12M Max DD |
|---|---|---|---|---|---|---|---|
| 11212025 | WU | Western Union | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | 13.5% | 13.5% | -0.4% |
| 11212025 | COIN | Coinbase Global | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 3.1% | 3.1% | -0.5% |
| 11142025 | PYPL | PayPal | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -4.7% | -4.7% | -7.5% |
| 11142025 | V | Visa | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 6.7% | 6.7% | -2.7% |
| 11072025 | WD | Walker & Dunlop | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | -10.3% | -10.3% | -12.1% |
| 06302024 | PYPL | PayPal | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | 49.7% | 28.1% | -1.4% |
Research & Analysis
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Peer Comparisons for PayPal
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 124.12 |
| Mkt Cap | 138.7 |
| Rev LTM | 20,468 |
| Op Inc LTM | 6,296 |
| FCF LTM | 3,734 |
| FCF 3Y Avg | 3,280 |
| CFO LTM | 4,174 |
| CFO 3Y Avg | 3,647 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 22.4% |
| Rev Chg 3Y Avg | 20.0% |
| Rev Chg Q | 24.2% |
| QoQ Delta Rev Chg LTM | 5.4% |
| Op Mgn LTM | 19.2% |
| Op Mgn 3Y Avg | 17.9% |
| QoQ Delta Op Mgn LTM | 0.3% |
| CFO/Rev LTM | 23.8% |
| CFO/Rev 3Y Avg | 18.4% |
| FCF/Rev LTM | 20.0% |
| FCF/Rev 3Y Avg | 15.6% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 138.7 |
| P/S | 10.5 |
| P/EBIT | 30.4 |
| P/E | 44.3 |
| P/CFO | 24.0 |
| Total Yield | 2.3% |
| Dividend Yield | 0.0% |
| FCF Yield 3Y Avg | 2.2% |
| D/E | 0.1 |
| Net D/E | 0.0 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | 8.0% |
| 3M Rtn | -4.8% |
| 6M Rtn | 16.4% |
| 12M Rtn | 15.7% |
| 3Y Rtn | 239.1% |
| 1M Excs Rtn | 4.2% |
| 3M Excs Rtn | -5.3% |
| 6M Excs Rtn | -1.3% |
| 12M Excs Rtn | 2.1% |
| 3Y Excs Rtn | 143.2% |
Comparison Analyses
Price Behavior
Price Behavior
| Market Price | $59.86 | |
| Market Cap ($ Bil) | 56.9 | |
| First Trading Date | 07/20/2015 | |
| Distance from 52W High | -34.6% | |
| 50 Days | 200 Days | |
| DMA Price | $64.46 | $68.14 |
| DMA Trend | down | down |
| Distance from DMA | -7.1% | -12.2% |
| 3M | 1YR | |
| Volatility | 36.9% | 38.0% |
| Downside Capture | 202.42 | 162.15 |
| Upside Capture | 118.30 | 101.16 |
| Correlation (SPY) | 54.5% | 63.3% |
PYPL Betas & Captures as of 11/30/2025
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 1.62 | 1.80 | 1.65 | 1.79 | 1.26 | 1.29 |
| Up Beta | 0.33 | 0.07 | 0.46 | 0.79 | 1.07 | 1.19 |
| Down Beta | -0.26 | 2.66 | 2.76 | 2.31 | 1.39 | 1.30 |
| Up Capture | 146% | 151% | 89% | 143% | 112% | 158% |
| Bmk +ve Days | 12 | 25 | 38 | 73 | 141 | 426 |
| Stock +ve Days | 7 | 20 | 28 | 65 | 124 | 395 |
| Down Capture | 254% | 210% | 184% | 211% | 130% | 108% |
| Bmk -ve Days | 7 | 16 | 24 | 52 | 107 | 323 |
| Stock -ve Days | 12 | 21 | 34 | 60 | 124 | 355 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Comparison of PYPL With Other Asset Classes (Last 1Y) | |||||||
|---|---|---|---|---|---|---|---|
| PYPL | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | -34.0% | 14.3% | 14.7% | 67.3% | 6.8% | -0.5% | -16.6% |
| Annualized Volatility | 38.2% | 19.3% | 19.7% | 19.3% | 15.2% | 17.6% | 35.4% |
| Sharpe Ratio | -1.00 | 0.57 | 0.57 | 2.54 | 0.23 | -0.18 | -0.25 |
| Correlation With Other Assets | 64.7% | 64.2% | -1.1% | 13.5% | 42.9% | 42.2% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
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Based On 5-Year Data
| Comparison of PYPL With Other Asset Classes (Last 5Y) | |||||||
|---|---|---|---|---|---|---|---|
| PYPL | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | -22.9% | 16.5% | 15.0% | 18.9% | 11.8% | 5.1% | 35.8% |
| Annualized Volatility | 41.7% | 18.9% | 17.1% | 15.5% | 18.7% | 18.9% | 48.9% |
| Sharpe Ratio | -0.49 | 0.73 | 0.71 | 0.98 | 0.51 | 0.18 | 0.63 |
| Correlation With Other Assets | 49.1% | 59.6% | 4.9% | 8.1% | 42.7% | 32.6% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
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Based On 10-Year Data
| Comparison of PYPL With Other Asset Classes (Last 10Y) | |||||||
|---|---|---|---|---|---|---|---|
| PYPL | Sector ETF | Equity | Gold | Commodities | Real Estate | Bitcoin | |
| Annualized Return | 5.5% | 13.4% | 14.9% | 14.9% | 6.7% | 5.5% | 69.9% |
| Annualized Volatility | 38.2% | 22.3% | 18.0% | 14.8% | 17.6% | 20.8% | 55.8% |
| Sharpe Ratio | 0.26 | 0.55 | 0.71 | 0.84 | 0.30 | 0.23 | 0.90 |
| Correlation With Other Assets | 47.4% | 63.0% | 5.0% | 16.5% | 43.5% | 24.5% | |
ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 10/28/2025 | 3.9% | -2.7% | -12.7% |
| 7/29/2025 | -8.7% | -13.1% | -10.3% |
| 4/29/2025 | 2.1% | 5.6% | 10.0% |
| 2/4/2025 | -13.2% | -12.6% | -22.4% |
| 10/29/2024 | -4.0% | -6.5% | 4.0% |
| 7/30/2024 | 8.6% | 2.6% | 21.5% |
| 4/30/2024 | 1.4% | -2.1% | -8.9% |
| 2/7/2024 | -11.2% | -6.9% | -6.7% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 13 | 10 | 9 |
| # Negative | 11 | 14 | 15 |
| Median Positive | 4.3% | 8.3% | 10.7% |
| Median Negative | -10.5% | -7.1% | -9.4% |
| Max Positive | 14.0% | 13.4% | 21.6% |
| Max Negative | -24.6% | -31.6% | -42.4% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 9302025 | 10282025 | 10-Q 9/30/2025 |
| 6302025 | 7292025 | 10-Q 6/30/2025 |
| 3312025 | 4292025 | 10-Q 3/31/2025 |
| 12312024 | 2042025 | 10-K 12/31/2024 |
| 9302024 | 10292024 | 10-Q 9/30/2024 |
| 6302024 | 7302024 | 10-Q 6/30/2024 |
| 3312024 | 4302024 | 10-Q 3/31/2024 |
| 12312023 | 2082024 | 10-K 12/31/2023 |
| 9302023 | 11022023 | 10-Q 9/30/2023 |
| 6302023 | 8032023 | 10-Q 6/30/2023 |
| 3312023 | 5092023 | 10-Q 3/31/2023 |
| 12312022 | 2102023 | 10-K 12/31/2022 |
| 9302022 | 11042022 | 10-Q 9/30/2022 |
| 6302022 | 8032022 | 10-Q 6/30/2022 |
| 3312022 | 4282022 | 10-Q 3/31/2022 |
| 12312021 | 2032022 | 10-K 12/31/2021 |
Insider Activity
Expand for More| Owner | Title | Filing Date | Action | Price | Shares | TransactedValue | Value ofHeld Shares | Form | |
|---|---|---|---|---|---|---|---|---|---|
| 0 | Kereere Suzan | President, Global Markets | 11202025 | Sell | 59.80 | 3,962 | 236,943 | 1,864,865 | Form |
| 1 | Webster Aaron | EVP, Global Chief Risk Officer | 11122025 | Sell | 66.29 | 7,198 | 477,155 | 2,504,635 | Form |
| 2 | Kereere Suzan | President, Global Markets | 11042025 | Sell | 68.85 | 10,000 | 688,535 | 2,305,422 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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