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

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PayPal Holdings Inc. (PYPL)

42.75

+0.14 (0.33%)

as of Jun 4, 2026, 8:00:00 pm Market Open.

433 watching

Investor Insights

Jun 5, 2026, 12:00 am

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

PayPal Holdings Inc. (PYPL) has been facing significant challenges in recent times, with experts highlighting its struggles in adapting to new technologies and increasing competition from players like Apple Pay and Google Pay. While the stock trades at a low price-to-earnings ratio of 10-11x, indicating it may be cheap, there are serious concerns about its growth, which is expected to be limited to around 8% next year. Analysts have noted that PayPal's profit margins have decreased significantly over the last decade. Recommendations vary, with some suggesting it could be a turnaround candidate while others caution against its potential as a value trap amidst weakening financial forecasts and sector sentiment. Furthermore, some experts suggest a cautious approach, advising against buying it right now and considering tax-loss selling instead.

Consensus

Wait

Valuation

Undervalued

Similar

Visa, V

DON'T BUY

Doesn't think company warrants investment. Business has shifted towards higher margin segments of business (lost customers). Company is highly vulnerable to big banks (electronic payments etc.) JP Morgan (Jamie Dimon) looking into stealing business from PayPal. Competitive moat not very strong.

DON'T BUY

She never liked fintech and never own them. The credit card business is a duopoly. Consumers don't like payment fees. There's a lot of competition in fintech. Doesn't see opportunity here. She owns Visa instead.

DON'T BUY

She owned it last year for only 6 months. She lost 20%, and down another 55% since then. The problem is slower growth rates. They need to manage costs for ARPU. The payments business is very competitive, so she's still out. That said, this could be an opportunity in a few years.

WEAK BUY

The new CFO used buybacks when he ran EA and will use the same strategy here. He already announced a $15 billion addition to the current $2.8 billion in buybacks. In the last 3 years they have bought back only $9 billion. The only reason to own this is for the return to shareholders in buybacks.

COMMENT

vs. Visa Is neutral. This traded at 50x, and now 20x. Maybe it's cheap enough now. PP will be in the penalty box for a long time. Compare this to Visa, he's rooting for an increase in international travel and it's happening. He knows what he's getting with Visa.

HOLD

Their last two quarters have frustrated her. She blames management who two quarters ago said they would focus less on growing new users, but rather increasing revenue on their user base. An activist could come in. She's hanging on, but running out of patience. She's hanging on because their Venmo is so interesting.

HOLD

It's down 74% off its peak, 54% YTD, a struggle. Let's see if this activist investor comes in and what he does. He does love their business model. Will watch the next few quarters.

PAST TOP PICK

(A Top Pick Oct 22/21, Down 69%) The lesson is don't get caught up in the hype of overpaying for stocks. Tailwinds are still there. Profitable, beautiful balance sheet. Market has overreacted to the down side.

DON'T BUY

Buy now, pay later stocks: Affirm, Upstart, Block and Paypal Upstart is down 92% from its high, Affirm 89%, Block 78% and PayPal 76%. Some of this is due to these stocks being massively massively overpriced to begin with. At peak, Affirm was trading at 30x sales (not earnings), and it won't be profitable before 2026. Block and PayPal are profitable, but were trading at sky-high multiples last year (170x PE and 65x respectively). The market hates the buy-now, pay-later stocks because they don't make money (though are well-run). He liked Upstart early on; it wasn't a buy-not,pay-later story, but helped facilitate loans using technology. But Upstart took on far more credit risk than assumed, which upset him. The business models of these stocks were far better when interest rates were low. Also, more competitors have rushed in now. The lesson: don't be caught up in euphoria. Earnings, valuations and interest rates matter.

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TOP PICK

Recently changed their business model to targeting high-margin customers. Owns Venmo that is performing well. Karen Firestone recently bought some new shares and thinks that looking forward their price will inevitably be higher than today. She gave a BUY ON WEAKNESS signal. Social media mentions are up 2900% since yesterday.

SELL

Company not preforming as well as investors expected. Technology not competing with other companies like Visa. Would sell shares and move capital to traditional software company.

BUY ON WEAKNESS

In recent weeks and today, she had sold some names and is now buying them back. They're down 45-75% from their 12-month high. But she's looking forward and these names inevitably will be higher than today.

DON'T BUY

Shares fell a lot. A few quarters ago, they changed their model from getting as many subscribers as possible to targeting high-margins subs with higher profits and wider margins. But, their numbers fell dramatically. Their high PE plunged. SO, expectations are much lower; their latest report was received favourably. Is this a bottom? It depends on their execution and the competition. He expects the banks like JPM to compete with PayPal and Square. Be cautious with PayPal, and stick with traditional financials.

WAIT

It is an online business which is not positioned for land based stores. Payment space hasn't done well so stay on the sidelines.

DON'T BUY

Will Walmart buy this? No. He owns PayPal and is getting killed. He's outraged with what the CEO is paying himself.

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PayPal Holdings Inc. (PYPL)