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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
09/12/2025: 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 $82.52
1 Year Target Price $82.52
| 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 09/12/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 63.91B USD | Price to earnings Ratio 14.32 | 1Y Target Price 82.52 |
Price to earnings Ratio 14.32 | 1Y Target Price 82.52 | ||
Volume (30-day avg) 47 | Beta 1.44 | 52 Weeks Range 55.85 - 93.66 | Updated Date 09/14/2025 |
52 Weeks Range 55.85 - 93.66 | Updated Date 09/14/2025 | ||
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 14.32 | Forward PE 11.53 | Enterprise Value 65193261510 | Price to Sales(TTM) 1.98 |
Enterprise Value 65193261510 | Price to Sales(TTM) 1.98 | ||
Enterprise Value to Revenue 2.02 | Enterprise Value to EBITDA 8.98 | Shares Outstanding 955377984 | Shares Floating 952187441 |
Shares Outstanding 955377984 | Shares Floating 952187441 | ||
Percent Insiders 0.14 | Percent Institutions 80.26 |
Upturn AI SWOT
PayPal Holdings Inc
Company Overview
History and Background
PayPal was founded in 1998 as Confinity, a company that developed security software for handheld devices. In 2000, Confinity merged with X.com, an online banking company founded by Elon Musk. X.com was renamed PayPal in 2001 and went public in 2002. eBay acquired PayPal in 2002. In 2015, PayPal was spun off from eBay and became an independent publicly traded company.
Core Business Areas
- Payment Solutions: Enables consumers and merchants to make and receive payments online and in-app. This includes PayPal accounts, PayPal Credit, and Braintree (payment processing platform). It also includes other services like Buy Now Pay Later and other similar solutions.
- Merchant Services: Provides tools and services for businesses to manage payments, streamline operations, and grow their businesses. This includes payment gateways, invoicing tools, and point-of-sale (POS) systems.
- Peer-to-Peer (P2P) Payments: Offers P2P payment services, primarily through Venmo, allowing users to easily send and receive money.
Leadership and Structure
The CEO is Alex Chriss. The company has a typical corporate structure with various departments including engineering, marketing, finance, and legal.
Top Products and Market Share
Key Offerings
- PayPal: The core PayPal platform enables users to send and receive payments online and in-app. The service has over 400 million active users and handles billions of transactions annually. Competitors include Stripe, Adyen, and Block (Square). Market share varies by region and specific market segment.
- Venmo: A P2P payment app popular among millennials and Gen Z. Venmo facilitates splitting bills, sending gifts, and making small purchases. It has over 90 million users and handles tens of billions of dollars in transactions annually. Competitors include Cash App (Block) and Zelle.
- Braintree: A payment gateway that allows businesses to accept payments online and in-app. Braintree offers a customizable and developer-friendly platform. Competitors include Stripe, Adyen, and Authorize.net (Visa).
Market Dynamics
Industry Overview
The digital payments industry is experiencing rapid growth, driven by the increasing adoption of e-commerce and mobile payments. Key trends include the rise of mobile wallets, buy now, pay later (BNPL) services, and the increasing importance of cybersecurity. The industry is highly competitive, with a mix of established players and emerging startups.
Positioning
PayPal is a leading player in the digital payments industry with a strong brand recognition, a large user base, and a comprehensive suite of payment solutions. Its competitive advantages include its scale, its global reach, and its established relationships with merchants and consumers. However, it faces increasing competition from other payment providers.
Total Addressable Market (TAM)
The global digital payments market is projected to reach trillions of USD. PayPal is well-positioned to capture a significant share of this TAM, but must innovate to maintain and grow market share.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Large user base
- Global reach
- Comprehensive suite of payment solutions
- Established relationships with merchants and consumers
Weaknesses
- High transaction fees compared to some competitors
- Dependence on eBay (historically)
- Slower innovation compared to some competitors
- Susceptibility to fraud and security breaches
Opportunities
- Expansion into new markets
- Acquisition of complementary businesses
- Development of new payment solutions
- Partnerships with other companies
- Growth of e-commerce and mobile payments
Threats
- Increasing competition from other payment providers
- Changes in regulations
- Economic downturn
- Fraud and security breaches
- Technological disruption
Competitors and Market Share
Key Competitors
- SQ
- PYPL
- MA
- V
Competitive Landscape
PayPal's advantages include its brand recognition and large user base. Disadvantages include higher transaction fees and slower innovation compared to some competitors.
Major Acquisitions
Happy Returns
- Year: 2021
- Acquisition Price (USD millions): 0
- Strategic Rationale: Acquisition was done to improve the return process for online shoppers.
Honey Science Corporation
- Year: 2020
- Acquisition Price (USD millions): 4000
- Strategic Rationale: Acquisition was done to strengthen its e-commerce platform. Honey provided coupons and cash-back rewards.
Growth Trajectory and Initiatives
Historical Growth: PayPal experienced significant growth in the early 2000s, fueled by the growth of e-commerce. Growth has slowed in recent years as competition has increased.
Future Projections: Future growth projections depend on various factors. Analysts predict moderate growth, but it hinges on factors such as Venmo monetization, Braintree adoption, and overall e-commerce trends.
Recent Initiatives: Recent initiatives include focusing on improving the customer experience, expanding its merchant services, and investing in new technologies.
Summary
PayPal is a well-established digital payments company with a large user base and strong brand recognition. While it faces increasing competition and needs to innovate faster, its global reach and comprehensive suite of solutions provide a solid foundation. Monitoring competition and adapting to technological changes are essential for maintaining its position. The company will have to focus on improving customer experience to avoid being displaced from competitors
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Analyst Reports
- Industry Research
- Company Website
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market data is subject to change.
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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