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Upturn AI Summary - About
PayPal Holdings Inc(PYPL)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for PYPL
10/23/2026: PYPL (1-star) has a low Upturn Star Rating. Not recommended to BUY.
PayPal Holdings Inc is a major global technology platform facilitating digital and mobile payments for consumers and merchants. The company's primary strength lies in its extensive two-sided network and established brand, which historically provided a significant competitive advantage. Its growth story now hinges on scaling newer segments like Venmo and Braintree while improving operational efficiency. However, the company faces substantial competitive risks from Big Tech and other fintechs, alongside regulatory challenges and potential margin pressure. PayPal may suit investors looking for exposure to digital commerce, though it is not a dividend-paying stock, and investors should monitor its ability to defend market share in an increasingly crowded payments landscape.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth has moderated from historical levels, requiring a focus on margin expansion over pure top-line gains. |
| Momentum investor | Weak fit | The stock has faced significant price volatility and lacks a clear, sustained uptrend in recent quarters. |
| Value investor | Strong fit | The stock is often viewed as reasonably valued relative to its cash flow generation and market position. |
| Dividend investor | Weak fit | PayPal does not pay a dividend, making it unsuitable for income-focused portfolios. |
| Low-risk investor | Weak fit | The high degree of competitive and regulatory uncertainty contributes to significant stock price fluctuations. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock is susceptible to significant price swings driven by quarterly earnings results and changes in macro sentiment. |
| Valuation risk | Medium | Market expectations for growth recovery can lead to valuation sensitivity if results disappoint. |
| Competition risk (Digital payments) | High | Intense pressure from Apple Pay and others threatens market share in core checkout services. |
| Business quality | Medium | While the network is vast, the shift toward lower-margin unbranded processing affects overall profitability. |
| Dividend income | Low / none | Investors receive no cash return through dividends. |
| Execution risk | Medium / high | Management must successfully balance product innovation with cost controls to improve margins. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Choppy
The stock has experienced frequent reversals and pronounced short-term price swings.
Analysis of Past Performance
Type Stock | Historic Profit -7.05% | Avg. Invested days 41 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/23/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 49.60B USD | Price to earnings Ratio 10.75 | 1Y Target Price 56.74 |
Price to earnings Ratio 10.75 | 1Y Target Price 56.74 | ||
Volume (30-day avg) 11.6M shares | Beta 1.28 | 52 Weeks Range 38.12 - 78.34 | Updated Date 10/23/2026 |
52 Weeks Range 38.12 - 78.34 | Updated Date 10/23/2026 | ||
Dividends yield (FY) 0.98% | Basic EPS (TTM) 5.35 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Transaction Revenues | Fees from processing payments for merchants and consumers. | This is the core engine, generated every time someone uses PayPal to pay. |
| Other Value Added Services | Interest on customer balances, credit products, and subscription services. | These secondary revenue streams help diversify the business beyond simple transaction fees. |
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 2026-10-27 | When Before Market | Estimate 1.31 | Actual - |
Profitability
Profit Margin 14.36% | Operating Margin (TTM) 16.97% |
Management Effectiveness
Return on Assets (TTM) 4.62% | Return on Equity (TTM) 24.5% |
Valuation
Trailing PE 10.75 | Forward PE 9.07 | Enterprise Value 47.06B | Price to Sales(TTM) 1.44 |
Enterprise Value 47.06B | Price to Sales(TTM) 1.44 | ||
Enterprise Value to Revenue 1.38 | Enterprise Value to EBITDA 6.46 | Shares Outstanding 862.00M | Shares Floating 853.51M |
Shares Outstanding 862.00M | Shares Floating 853.51M | ||
Percent Insiders 0.71 | Percent Institutions 79.07 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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