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Upturn AI SWOT - About
PYPL 
PayPal Holdings Inc (PYPL)
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Upturn Advisory Summary
08/14/2025: PYPL (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
47 Analysts rated it
Highly popular stock, broad analyst coverage, trusted insights, strong investor interest.
1 Year Target Price $83.05
1 Year Target Price $83.05
| 16 | Strong Buy |
| 7 | Buy |
| 22 | Hold |
| 0 | Sell |
| 2 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -13.05% | Avg. Invested days 47 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 66.28B USD | Price to earnings Ratio 14.86 | 1Y Target Price 83.05 |
Price to earnings Ratio 14.86 | 1Y Target Price 83.05 | ||
Volume (30-day avg) 47 | Beta 1.42 | 52 Weeks Range 55.85 - 93.66 | Updated Date 08/15/2025 |
52 Weeks Range 55.85 - 93.66 | Updated Date 08/15/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 4.67 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2025-07-29 | When Before Market | Estimate 1.3 | Actual 1.4 |
Profitability
Profit Margin 14.49% | Operating Margin (TTM) 19.29% |
Management Effectiveness
Return on Assets (TTM) 4.61% | Return on Equity (TTM) 22.92% |
Valuation
Trailing PE 14.86 | Forward PE 14.1 | Enterprise Value 67572153738 | Price to Sales(TTM) 2.05 |
Enterprise Value 67572153738 | Price to Sales(TTM) 2.05 | ||
Enterprise Value to Revenue 2.09 | Enterprise Value to EBITDA 9.31 | Shares Outstanding 955377984 | Shares Floating 952263871 |
Shares Outstanding 955377984 | Shares Floating 952263871 | ||
Percent Insiders 0.14 | Percent Institutions 81.22 |
Upturn AI SWOT
PayPal Holdings Inc
Company Overview
History and Background
PayPal was founded in 1998 as Confinity, later merging with X.com founded by Elon Musk. It went public in 2002 and was acquired by eBay. PayPal spun off from eBay in 2015, becoming an independent publicly traded company.
Core Business Areas
- Payment Solutions: Provides online payment processing services for merchants and consumers globally, enabling transactions across various platforms.
- Digital Wallets: Offers digital wallet services allowing users to store funds, make payments, and manage their finances online.
- Peer-to-Peer Payments: Facilitates peer-to-peer money transfers through platforms like PayPal and Venmo.
Leadership and Structure
Alex Chriss is the CEO. The company operates with a functional organizational structure, including technology, product, marketing, and finance departments.
Top Products and Market Share
Key Offerings
- PayPal: A global online payment system that supports online money transfers and serves as an electronic alternative to traditional paper methods like checks and money orders. Competitors include Stripe, Adyen, and Block (formerly Square). PayPal has approximately 400 million active users. It is estimated to hold approximately 41% of the total online payment processing platform market share.
- Venmo: A mobile payment service owned by PayPal. It allows users to easily share and split payments with friends and family. Competitors include Cash App (Block), Zelle, and Apple Pay. Venmo has over 90 million active users in the US. It is estimated to hold around 25% of the US P2P payment market.
- Braintree: A payments platform providing businesses with the tools to accept, process, and split payments to help maximize business opportunities and revenue growth. Braintree competes with Adyen and Stripe. Braintree has approximately 114K customers in 53 countries.
Market Dynamics
Industry Overview
The digital payments industry is experiencing rapid growth driven by the increasing adoption of e-commerce and mobile payments. The industry is characterized by intense competition and technological innovation.
Positioning
PayPal is a leading player in the digital payments industry, benefiting from its established brand recognition, large user base, and global reach. However, it faces increasing competition from newer fintech companies.
Total Addressable Market (TAM)
The global digital payments market is expected to reach trillions of dollars in the coming years. PayPal is positioned to capture a significant portion of this market, but needs to innovate to keep up with competitors.
Upturn SWOT Analysis
Strengths
- Large user base
- Strong brand recognition
- Global reach
- Extensive ecosystem of products and services
- Established infrastructure for payments
Weaknesses
- High transaction fees compared to some competitors
- Dependence on eBay
- Exposure to fraud and security risks
- Complex regulatory environment
- Decreasing active accounts
Opportunities
- Expanding into new markets
- Developing new products and services
- Partnering with other companies
- Leveraging data analytics
- Capitalizing on the growth of e-commerce
Threats
- Increasing competition from fintech companies
- Changes in regulations
- Cybersecurity threats
- Economic downturn
- Technological disruption
Competitors and Market Share
Key Competitors
- PYPL
- SQ
- ADYEN.AS
- FISV
- GPN
- MA
- V
Competitive Landscape
PayPal benefits from its established brand and large user base, but faces increasing competition from nimble fintech companies like Square and Adyen, which offer innovative payment solutions and lower transaction fees.
Major Acquisitions
Happy Returns
- Year: 2021
- Acquisition Price (USD millions): 0
- Strategic Rationale: Acquired to add return logistics solutions for online merchants. Amount not disclosed.
Honey Science Corporation
- Year: 2020
- Acquisition Price (USD millions): 4000
- Strategic Rationale: Acquired Honey to enhance its e-commerce capabilities and provide users with savings and rewards.
Growth Trajectory and Initiatives
Historical Growth: PayPal has experienced significant growth in revenue and user base over the past decade, driven by the expansion of e-commerce and mobile payments.
Future Projections: Analyst estimates suggest continued growth for PayPal, but at a slower pace due to increasing competition and market saturation.
Recent Initiatives: Recent initiatives include expanding partnerships with retailers, enhancing mobile payment features, and investing in new technologies like blockchain.
Summary
PayPal is a dominant player in online payments with a large user base and strong brand recognition. It faces increasing competition and needs to adapt to changing market dynamics. Its strong financial performance has been impacted by external economic factors. It should watch out for new competitors and regulatory changes.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Industry Reports
- Market Research Reports
- Analyst Estimates
Disclaimers:
This analysis is based on available information and is subject to change. Investment decisions should be made after conducting thorough research and consulting with a financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About PayPal Holdings Inc
Exchange NASDAQ | Headquaters San Jose, CA, United States | ||
IPO Launch date 2002-02-01 | President, CEO & Director Mr. Alex Chriss | ||
Sector Financial Services | Industry Credit Services | Full time employees 24400 | Website https://www.paypal.com |
Full time employees 24400 | Website https://www.paypal.com | ||
PayPal Holdings, Inc. operates a technology platform that enables digital payments for merchants and consumers worldwide. It operates a two-sided network at scale that connects merchants and consumers that enables its customers to connect, transact, and send and receive payments through online and in person, as well as transfer and withdraw funds using various funding sources, such as bank accounts, PayPal or Venmo account balance, consumer credit products, credit and debit cards, and cryptocurrencies, as well as other stored value products, including gift cards and eligible rewards. The company provides payment solutions under the PayPal, PayPal Credit, Braintree, Venmo, Xoom, Zettle, Hyperwallet, Honey, and Paidy names. The company was founded in 1998 and is headquartered in San Jose, California.
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