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

A fine company. He owned but moved to sidelines in 2020. It is expensive and now other forms of payment are preferred. It is a crowded field so he has no exposure to pure payment processing. Also doesn't like participation in crypto currency. Most digitally oriented banks are the best place to be.

BUY

Recently bought. Down 42% from last year's high. A bit pricey, but stock's been basing since early December. Long-term, lots of growth. Highly scalable business, which will let them increase margins. Clear leadership in e-commerce. 15-17% revenue growth, 20% earnings growth. Mature tech. Fintech is a great area.

BUY ON WEAKNESS

Believes PayPal approaching a good valuation to buy (currently too high). Company continues to grow at incredible rate. Payment system the company owns is very valuable. Market pullback would present buying opportunity at ~130 price range.

DON'T BUY

Future growth prospects, valuation, disruption in payment systems all put traditional models at risk. Disruption to Visa and MA is starting to impact PYPL. Not a value play, trades at 40x earnings. Though it's fallen, don't judge its value based on a previous value. Remember Nortel.

BUY

Not sure why stock's beaten up so much. Guidance for next year not as robust as expected. Plans to grow revenues over 20% per year. Will continue to be a huge player in payments. Earnings growth will eventually trump what's happening in high-growth names. Nothing wrong with the business whatsoever.

BUY ON WEAKNESS

He's buying nothing now, but would add to Twilio or PayPal (owns both), and would add in Q1 on pullbacks. First, he wants to see how interest rates move (or not) in Q1. He expects rates to slowly march higher. Also, he needs to see what happens to Covid to see if they knock down the cyclicals. He's a market seller, not a buyer now.

COMMENT

Sharp pullback has created opportunity for buying. Believes payment companies (Visa/Mastercard etc.) valuations are reasonable. Hard to tell who winners are when new apps can displace business. Electronic payments becoming more prominent in society.

BUY

For a global payments player, look at PYPL, which has formed a bottom.

BUY

He just bought it because it's down 19% YTD and way off its highs. Revenues are growing around 20% and it has massive name recognition. Many people use it worldwide. He believes in digital e-commerce and PP's big potential.

DON'T BUY

The sector has pulled back. PYPL has always traded at a high PE, which is why she's never bought. In this space, she owns Visa because she sees growth.

BUY

It's one of the most innovative companies in payment processing, and faces a huge expectations reset.

BUY

Doesn't own PayPal. Society moving to cashless with Covid-19 etc. Lots of small business uses PayPal. Many positive aspects of company. Good opportunity to buy PayPal now.

BUY ON WEAKNESS

Down another 3% today, way off its highs, $131 below its $310 high. A beaten stock, but the company is not falling apart. He likes it. It was hammered this week by the Omicron scare, but it's time to nibble. Buy on the way down, not up, and we buy long term. Don't chase, but invest. And expect this stock to fall a little more before it rises--you gotta start somewhere.

TOP PICK

Value play in a growth market. Whole global payments sector has taken it on the chin because of Covid and supply chain. As QR codes at point of sale grow, they'll have phenomenal sales data from both merchants and consumers. Venmo and recent acquisition for buy now/pay later. Price target of $277. Buy in thirds at $188, 178, and 168. No dividend. (Analysts’ price target is $275.83)

BUY

He started acquiring because it dropped so much. A lot of the payment companies suffered throughout the pandemic. Further lockdowns have made the stocks sell off again. Still a secular trend from cash to digital. Ignore the noise over the next 6 months. Might have more growth than a MA or Visa.

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PayPal Holdings Inc. (PYPL)