PayPal Holdings Inc. (PYPL) Buy, Sell or Hold

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PayPal Holdings Inc. (PYPL)

58.32

+2.25 (4.01%)

as of Jul 28, 2026, 8:00:00 pm Market Open.

434 watching

Investor Insights

Jul 29, 2026, 12:00 am

This summary was created by AI, based on 7 opinions in the last 12 months.

PayPal Holdings Inc. (PYPL) is currently facing significant challenges in the competitive digital payments landscape, with experts expressing concerns about its growth trajectory and market positioning. The stock is perceived as a potential value trap, with some analysts suggesting that despite a low price-to-earnings ratio, the company is struggling to keep pace with emerging technologies like buy now pay later options and stablecoins. Competition from giants such as Apple Pay and Google Pay has intensified, leading to a reduction in profit margins from over 70% a decade ago to around 50%. While there is a belief that the stock may experience a bounce back to the $60-$70 range, experts advocate caution due to weak forward guidance, regulatory issues, and a general downturn in sentiment within the sector. As a result, buying at this time is not recommended until tax-loss selling and portfolio re-evaluations are addressed.

Consensus

Caution

Valuation

Undervalued

Similar

VISA, V

COMMENT

A tremendous business and a stock that he has been watching for a while.

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BUY

It's become a sort of fintech. When it reports Thursday, he expects stunning growth, and predicts business to re-accelerate this year. Buy before the report.

PARTIAL SELL

It sold off on today's Pfizer vaccine news when Covid stocks sold off. PYPL has had a great run. Profit-taking wouldn't hurt.

WAIT

It sold off after the CEO made cautionary outlook remarks. Wait till Tuesday to consider buying. It's the best fintech play out there.

PAST TOP PICK

(A Top Pick Nov 13/19, Up 103%) Took some profit, and then got back in. 15% revenue growth, expanding profit margins. Set your price targets and be disciplined. Target of $220. Still a good place to buy.

BUY

It's part of the "kids bull trade." With Etsy, PayPal is the future of retailing, driven by a huge young user base and the stay-at-home trend.

BUY

Is one of 7 growth stocks where investors don't care about earnings during this pandemic, so buy them. It's about the democratization of money, aiming to be the worldwide bank without hassle. (When he was young, he was lucky to get a Macy's credit card.) Young investors know, use and like PP, while older ones want to own a financial stock with the credit risk that comes with a bank. It has lowered or missed projections many times, but misses or beats don't matter. So powerful is PP.

BUY

It's very expensive now, but it's a great long-term story. It can go higher. This and Square are both buys.

BUY

The payment space is one that is changing rapidly. They have been a forefront of this. More people are staying at home and it could benefit from demand for different payment platforms.

BUY

He also owns Visa and Square. Paypal is well-positioned to grow around digital payments, and it's been a winner as transactions have leapt this year. $220 is his price target, about $40 higher than now. It's a momentum stock. He gravitates to the larger payments companies like this and Square, not the smaller players.

COMMENT

She owns Visa in the digital payments instead, because they have the lowest-cost platform here. PYPL trades at a higher valuation. They really pulled back in the recent tech sell-off. This space offers long-term growth, so you need to own it.

DON'T BUY

SQ-N vs. PYPL-Q. The broader payment processing space is great but he prefers V-N. These are expensive stocks. PYPL-Q has abroad offering so probably the better one to buy. He would say that you should look at the best-of-breed, V-N. Paypal would be the preference between the two, however.

TOP PICK

He has $170 price target. They can benefit from the growth in digital payments and e-commerce. They will be a winner in the new world of commerce. They just sold some 30 year bonds at 3.25%, which gives them the opportunity to make some interesting investments. Yield 0% (Analysts’ price target is $155.20)

BUY

Payments processor. It is a well run company with expanding cash flows. It looks like it will challenge its previous highs. However he prefers MA-N.

TOP PICK

It competes will against Visa, Mastercard, etc. It has 20% revenue growth rates and is expanding profit margins. It got a little too expensive, but he has a price target of $125.40. Yield 0% (Analysts’ price target is $126.50)

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PayPal Holdings Inc. (PYPL)