NASDAQ:PYPL

PayPal Holdings Inc. (PYPL)

44.48
-1.17 (2.56%)
as of Jul 8, 2026, 9:05:50 pm Market Open.
434 watching
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Investor Insights
star iconJul 8, 2026, 12:00 am

This summary was created by AI, based on 8 opinions in the last 12 months.

PayPal Holdings Inc. (PYPL) has recently been analyzed by various experts who express mixed sentiments regarding the stock's performance. While it is viewed as a value trap by some, with expectations of a potential recovery to $60-70, there are concerns about its growth stagnation and increased competition from other payment platforms like Apple Pay and Google Pay. The stock has witnessed a significant decline, down 31.6% over the past year, and has a low price-to-earnings (PE) ratio of 10-11. Although cash flow remains strong, projected growth is subdued at approximately 8% for the coming year, leading many analysts to advise caution. With weak forward guidance and a change in market sentiment, some experts recommend exiting positions or avoiding new investments prior to year-end tax considerations.

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Consensus
Cautious
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Valuation
Undervalued
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Similar
Visa,V
HOLD

He is actually looking closely at this as being comparable to Visa and Mastercard. He likes their XOOM money-transfer business that could compete against Western Union and the banks that charge much higher transaction rates.

DON'T BUY

It's done well this year. They boosted their EPS target, but slashed revenue forecast--heir partnership with Uber may get pushed to Q3 or Q4. He'd rather buy Visa.

SELL

The sector is a great place to be, but high valuations. Multiple on American Express is much lower. If you go into a recession, the credit card companies will get beat up and that would be a great space to look at. He'd sell and wait for a better opportunity to buy in again. Don't put new money to work chasing these.

COMMENT

Paypal vs Visa? He likes fintech stocks. He likes both of PayPal and Visa, but would prefer to own the ETF IPAY-N. Visa is really leaning into the tokenization of the security behind a transaction. PayPal is going a little more direct to the mobile service. All good strategies -- hold the ETF to get good growth and less volatility.

BUY
there are many great acquisitions that they have been doing. Have owned it and would add in the near future.
DON'T BUY

It's a play on e-commerce. She prefers Visa in this sector for its better valuation.

DON'T BUY

This field is getting crowded with Apple Pay coming, though PayPal is a good business. People are using their phones to pay more and more, especially in China which has its own digital payments systems. PayPal's best growth is behind them.

BUY ON WEAKNESS
He sold it to start the year to buy more ETFs. It's pricey now. His price target is $100.65, and it's close to it now. Buy this below $85, but this is volatile. PEG ratio is only 1.47.
COMMENT
They're getting into emerging markets by buying Venmo. Not cheap though. Price target of $97.85.
WATCH
Nice sideways motion. Big trading range. The longer a stock goes sideways, the bigger the breakout, and he'd play this as a breakout above $90 (long position) or below $75 (short position). He wouldn't buy until it gets above $90. Wait until something happens, and be patient.
WEAK BUY
He likes it. It is a fin-tech. It is expensive, but for a good reason. He struggles with buying it when markets are vulnerable. The growth numbers are good and the platform is good. All the boxes are checked, but it will not be immune in a downturn.
BUY ON WEAKNESS
Trading at 32x earnings with a 20% growth rate. The 200-day is trending higher. A really nice trend. A solid stock. $82.50-83.00 is where he'd buy.
HOLD
He holds about 3% of his portfolio in this. In the fintech side, this company is involved in the mobile payment systems for e-commerce.
DON'T BUY

He is neutral to positive on the name. You could look at a V-N or MA-N, which are better valued. It has really appealing moats. Valuation takes his view lower. He is picky in this area. Tech as a sector is a neutral.

WAIT

Chart shows a long upward move in 2017, but starting to get volatile. This year the market might do some chop (see comments under "Market"), and the stock is already seeing some chop. You have to be careful. It’s not necessarily bearish, because it could break out. If it took out the old high, that would be bullish. If it goes into a choppy period and then breaks down through the support of about $67-$68, he would probably make for the exit. Let it play out to see if it can break its old high.

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