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

COMMENT

Owns a small position. There's a lot going on payment processing stocks. A new thing, Real-Time Payments Rail, offers cheaper, faster ways of doing payments. Lots of competition. PayPal is a leader in this space but it has disappointed. $165 is his price target.

BUY ON WEAKNESS

They're in the penalty box. During lockdowns, people were doing a lot of e-commerce, but will be going out. Also, PayPal spent a lot of money to add customers but that didn't pay off. The CEO has his work cut out for him. If they miss a third quarter in a row, then they're in trouble. This is a show-me story. That said, he is adding to this core position because valuations are so low.

DON'T BUY

It can still go lower. The sector is already competitive and getting more so. No rush to enter this. He'll wait for this stock to climb 10% before considering it. Don't catch a falling knife.

DON'T BUY

It was growing 20% annually. He bought this with high hopes. He was wrong. PayPal will be lucky to see 18% growth this year; he's doubtful. When a growth stock tumbles like this, it gets crushed. Trades at 26x earnings. Wells Fargo just put an overweight call on this. PayPal needs to demonstrate consistency. This one will remain a loser.

DON'T BUY

Has sold stock out of portfolio. Recently stock has been challenged with poor earnings and financial reports. Large competition in the sector (Apple Pay etc.) High growth/tech stocks are not a good place to be right now.

TRADE

Many Nasdaq stocks are half of what they used to be. The digital space is under pressure. This stock should see support at $85. Look at value stocks, not high growth stocks.

PAST TOP PICK

(A Top Pick Apr 01/21, Down 57%) Brutal. Tremendous 2020 and 2021, but fake accounts were concerning. People aren't spending as much digitally. Still guiding for double-digit revenue growth. He still sees potential to earn $10 EPS 4 years from now. He's looking past the sentiment and accumulating.

DON'T BUY

He stumbled on this. He believed in the CEO, but his story just didn't happen. The market is saying no to the CEO and his plan.

WAIT

Down about 2/3 from its peak. Still has about 22% to go to reach FMV, $86, which may turn out to be a low on the stock. Long-term valuation chart shows that it has tended to bottom at or fairly close to its intrinsic value.

BUY

Sells at 25x earnings and this has guided weak, more pessimistic than deserved. Shares are down 50% already, but she growth rate remains more than decent.

HOLD

Off 25.5% today, after reporting last night. Q4 was pretty good, but the problem was the guidance. He has a small position, around 1%. He's trying to decide what to do. He doesn't like buying things that are going down. He's going to sit tight, not buying or selling, wants to have it settle. Analyst price targets have moved down to $185-190. Buy at your own risk. It's a massive company, one of the biggest fintech companies out there, so it's not going away.

SELL

After reporting last night, shares plunged and plunged, down 25%. A house of pain. A disaster. Can't win 'em all. PayPal had a good 2021 with lots of new customers, good monetization and a digital wallet that resulted in 20% growth. Not bad. But Omicron and inflation have reduced online sales. Instead of 50 million new accounts coming, it could be as low as 15-20 million. The next quarter could also be disappointed. The game isn't over, though. They could get bigger in cryptos, buy Robinhood or buyback massive quantities of shares. He made a mistake in not dumping this when he heard they were looking for takeover targets like Pinterest.

WATCH

They report Tuesday. Shares have been cut in half and is still being punished. He feels this pain. See what the CEO says.

BUY ON WEAKNESS

It sold above 50x PE and has declined a lot, perhaps headed to 10x like a bank even though it's growing 20%. When shares are hammered like this it means growth will either slow or the sellers are just wrong. He just bought some at weakness.

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Curated by Michael O'Reilly since 2020.
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PAST TOP PICK

(A Top Pick Dec 31/20, Down 27.8%)Stockchase Research Editor: Michael O'Reilly Our PAST TOP PICK with PYPL has triggered its stop at $180. To remain disciplined, we recommend covering the position at this time. We will look for better opportunities.

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PayPal Holdings Inc. (PYPL)