NASDAQ:PYPL
PayPal Holdings Inc. (PYPL)
Financials 
Technical Analysis 
Jun 3, 2026, 12:00 amThis summary was created by AI, based on 8 opinions in the last 12 months.
PayPal Holdings Inc. (PYPL) is facing significant challenges amid rising competition and evolving technology trends. Several experts have labeled the stock a potential 'value trap', with concerns about its stagnating growth and declining profit margins from over 70% a decade ago to around 50% now. While some believe there’s upside potential and that the stock is cheap at a low PE ratio of 10-11, others note that competition from companies like Apple Pay and Google Pay is creating significant pressure. Additionally, the company's recent guidance has been considered weak, and overall sector sentiment remains soft. Experts suggest caution moving forward, advising against purchasing until year-end portfolio adjustments are made, hinting that there may be better alternatives in the tech space.
He called up a five year chart to look at the bigger picture pattern. He likes the cup formation with a trend down and then trending up but not aggressively. The lows and highs are getting higher. It is not overbought. There are enough fundamentals that the stock could do well.
Buy 27 Hold 25 Sell 2
Keith Richards
A year ago, the stock was very out of favour and losing market share. But they have restructured to impress the market. In recent days has taken some profits. It still has growth constraints.
John Zechner
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Premium contentOur PAST TOP PICK with PYPL has triggered its stop at $58. To remain disciplined, we recommend covering the position at this time. When combined with our previous recommendations, this will result in a net investment loss of 2%.
Premium contentWe reiterate PYPL, who serves 35 million online merchants, as a TOP PICK. Operating income grew 15% over the quarter supported by widening margins. We like that cash reserves are growing, while shares are aggressively bought back and debt is reduced. It trades at 15x earnings, 3x book and supports a 21% ROE. We continue to recommend a stop at $58, looking to achieve $76 -- upside potential of 24%. Yield 0%
(Analysts’ price target is $76.54)Owns shares, and expecting further growth. New management team will lead the company into better times. Competition from Apple not a concern, but believes technology is still relevant.
John ZechnerPremium contentWe again reiterate PYPL as a TOP PICK, but continue to recommend a tight stop at $58. We like that cash reserves are growing, while debt is aggressively retired and shares bought back. It trades at 15x earnings -- about 50% lower than the five year average PE -- and supports a 21% ROE. Market analysts like the changes being made incorporating AI, so we will see if the market agrees. We look for upside towards $71 -- potential gain of 18%. Yield 0%
(Analysts’ price target is $71.33)
He shouldn't have bought value in the tech sector. There are other pay platforms coming out now. However it has done some re-structuring with new management, has massive cash flow with a clean balance sheet. Trades at 11 X forward earnings.
John ZechnerPremium content
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He likes this company and chart. The 4-year chart shows a base, then break out. One of the best tech charts, because it's not overdone. The company is making strides in getting its business into different venues.