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Upturn AI SWOT - About
PYPL 
PayPal Holdings Inc (PYPL)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
10/17/2025: PYPL (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $82.51
1 Year Target Price $82.51
| 16 | Strong Buy |
| 7 | Buy |
| 22 | Hold |
| 0 | Sell |
| 2 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -23.01% | Avg. Invested days 42 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/17/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 64.40B USD | Price to earnings Ratio 14.43 | 1Y Target Price 82.51 |
Price to earnings Ratio 14.43 | 1Y Target Price 82.51 | ||
Volume (30-day avg) 47 | Beta 1.45 | 52 Weeks Range 55.85 - 93.66 | Updated Date 10/18/2025 |
52 Weeks Range 55.85 - 93.66 | Updated Date 10/18/2025 | ||
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 - | When - | Estimate - | Actual - |
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 14.43 | Forward PE 11.89 | Enterprise Value 67142233456 | Price to Sales(TTM) 1.99 |
Enterprise Value 67142233456 | Price to Sales(TTM) 1.99 | ||
Enterprise Value to Revenue 2.08 | Enterprise Value to EBITDA 9.25 | Shares Outstanding 955378405 | Shares Floating 952168334 |
Shares Outstanding 955378405 | Shares Floating 952168334 | ||
Percent Insiders 0.13 | Percent Institutions 81.35 |
Upturn AI SWOT
PayPal Holdings Inc
Company Overview
History and Background
PayPal was founded in 1998 as Confinity and merged with X.com in 2000, which was later renamed PayPal. It went public in 2002 and was acquired by eBay later that year. In 2015, PayPal was spun off from eBay to operate as an independent publicly traded company.
Core Business Areas
- Online Payments: Provides a platform for online money transfers and payments, enabling users to send and receive money securely. This is their core business and generates the most revenue.
- Mobile Payments: Offers mobile payment solutions through the PayPal app and Venmo, enabling peer-to-peer payments and mobile checkout options.
- Merchant Solutions: Provides tools and services for businesses to accept online and in-store payments, including payment gateways, point-of-sale systems, and financing options.
- Braintree: A payment gateway that allows businesses to accept payments online and in mobile apps.
Leadership and Structure
The CEO of PayPal Holdings Inc. is Alex Chriss. The company has a traditional hierarchical structure with various departments responsible for different aspects of the business, such as technology, marketing, finance, and operations. A board of directors provides oversight and strategic guidance.
Top Products and Market Share
Key Offerings
- PayPal: The core online payment platform with approximately 400 million active users worldwide. Competitors include Stripe, Adyen, and Block (Square).
- Venmo: A mobile payment app primarily used for peer-to-peer transactions, popular in the US. Competitors include Block (Cash App), Zelle, and Apple Pay.
- PayPal Checkout: A payment solution for online businesses allowing customers to pay using various methods including PayPal balance, cards, and more. Competitors include Stripe Checkout and other payment gateways.
Market Dynamics
Industry Overview
The digital payments industry is experiencing rapid growth, driven by increasing e-commerce adoption, mobile device usage, and the demand for convenient and secure payment solutions.
Positioning
PayPal is a leading player in the digital payments industry, with a strong brand reputation, extensive global reach, and a large user base. Its competitive advantages include its established ecosystem, innovative products, and strategic partnerships.
Total Addressable Market (TAM)
The global digital payments market is estimated to reach trillions of dollars. PayPal is positioned well with its global brand and wide usage, but competition is fierce and requires constant innovation to maintain its position.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Large user base
- Extensive global reach
- Established ecosystem
- Secure platform
Weaknesses
- High transaction fees compared to some competitors
- Reliance on e-commerce trends
- Customer service issues
- Slower innovation compared to smaller, more agile competitors
Opportunities
- Expanding into new markets
- Developing new products and services (e.g., cryptocurrency)
- Forming strategic partnerships
- Leveraging data analytics to improve user experience
Threats
- Increasing competition from other digital payment providers
- Regulatory changes
- Data breaches and security threats
- Economic downturns affecting consumer spending
Competitors and Market Share
Key Competitors
- SQ
- PYPL
- ADYEY
Competitive Landscape
PayPal's competitive advantage lies in its established brand and large user base. However, it faces increasing competition from more agile and innovative companies. Maintaining market share requires continued innovation and strategic partnerships.
Major Acquisitions
Happy Returns
- Year: 2021
- Acquisition Price (USD millions): 0
- Strategic Rationale: Acquired to strengthen PayPal's post-purchase solutions for merchants, specifically focusing on improving the returns process.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data is not possible to provide given the data cutoff. See provided links for financial information.
Future Projections: Future projections data is not possible to provide given the data cutoff. See provided links for financial information.
Recent Initiatives: Recent initiatives data is not possible to provide given the data cutoff. See provided links for financial information.
Summary
PayPal is a leading digital payments platform with a strong brand and large user base, but it faces increasing competition. Its established ecosystem and global reach are key strengths, but higher transaction fees and slower innovation are challenges. Future growth depends on expanding into new markets, developing new products, and effectively managing competitive pressures.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Third-Party Market Research Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions are constantly evolving, so investors should conduct their own research.
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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