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.
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Premium contentAs sector e-commerce sales have returned to pre-pandemic levels, we reiterate this online payment fintech as a TOP PICK PICK. It trades 18x earnings, supports a ROE of 18%, and trades at 3.4x book. We like that quarterly cash reserves are growing, while shares are bought back. We recommend trailing up the stop (from $50) to $53, looking to achieve $74 -- upside potential of 20%. Yield 0%
(Analysts’ price target is $74.82)
He's been bearish this all year until recently. Could be potential. It has 428 million active users, 35 millions merchants and annual payments are $1.5 trillion. Enormous. Bad news is there's a lot of competition: Apple Pay, Google Pay, Shopify. That's why shares have been down and trading half the PE of its peers. Is down 14% this year. There's a new CEO with a good track record; he will shrink the cost base and find more revenue.
Premium contentHe still owns a small position, less than 1%. Leader in transaction and payment processing. Venmo has taken off extremely well in Europe, not as much traction in NA. Reporting has been great, new CEO. Good runway.
(Analysts’ price target is $85.00)
Kim BoltonShares have come down a lot to 11x forward PE. The payments space is risky, and PYPL has lost market share. They have Venmo, are on Amazon as payment system, generate free cash flow, and new managers are oriented to profitability.
(Analysts’ price target is $76.12)
John ZechnerPremium contentRecently reported earnings beat analyst expectations. If the small business segment of customers, their bread and butter, can show improvement going forward there is great upside. It trades at 15x earnings, under 3x book value and supports a 20% ROE. Cash reserves are stable, while the company aggressively buys back shares. We recommend a stop-loss at $37, looking to achieve $76 -- upside potential over 30%. Yield 0%
(Analysts’ price target is $76.73)
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Became bloated during Covid, now restructuring. A lot more competition now. Growth will be substantially slower. Market's adjusting to its new reality. Caters to small businesses, and there's growth there. Generally, global payment systems will do quite well.