PYPL Stock Analysis & Forecast (2026)

PayPal Holdings, Inc. Financial Services Credit Services
$47.32
Current Price
76%
Buy
Data refreshed: February 26, 2026

Key Financial Metrics

Market Cap
$44.28B
P/E Ratio (TTM)
8.7x
P/E Forward
8.1x
Revenue Growth
3.7%
Gross Margin
41.5%
Net Margin
15.8%
Return on Equity
25.7%
Debt/Equity
0.61

AI Analysis Summary

PayPal Holdings, Inc. (PYPL) is a Financial Services company in the Credit Services industry with a 76% Buy Score. Key strengths include Gross Margin (41.5%), Net Margin (15.8%), Return on Equity (25.7%). Our AI evaluates 8 fundamental categories including revenue growth, margin quality, balance sheet strength, cash flow generation, return on capital, and valuation metrics.

Revenue Growth: Moderate Gross Margin: Good Net Margin: Good Return on Equity: Excellent Debt/Equity: Elevated
PYPL Fundamental Analysis Report
PDF Report Preview
76%
Strong Buy Score
  • 8 Fundamental Categories Analyzed
  • Revenue & Growth Trends
  • Margin & Profitability Analysis
  • Balance Sheet Strength
  • Cash Flow Quality
  • Valuation Assessment
  • AI-Powered Investment Insights
Get Your Free PYPL Report

How It Works: AI Stock Analysis in 60 Seconds

See how our AI analyzes PYPL fundamentals to generate buy/sell signals and Strong Buy Scores.

Is PYPL a Buy Right Now?

Based on our AI-powered fundamental analysis, PYPL has a Strong Buy Score of 76%, earning a "Buy" rating. This score synthesizes 8 key financial metrics to provide an objective investment signal.

Strong Buy Signal

PayPal Holdings, Inc. demonstrates robust fundamentals across multiple categories. Key strengths include Gross Margin (41.5%) and Net Margin (15.8%). The stock shows characteristics typically associated with outperformers.

PYPL AI Buy & Sell Signals Explained

Our AI analyzes PayPal Holdings, Inc.'s financial statements to generate buy/sell signals based on quantitative metrics, not market sentiment or news headlines. Here's what drives the 76% score:

  • Revenue Growth: 3.7% year-over-year (positive)
  • Gross Margin: 41.5% (strong pricing power)
  • Net Margin: 15.8% (highly profitable)
  • Return on Equity: 25.7% (excellent capital efficiency)

Generate the full PDF report for complete category-by-category scoring and AI-powered investment recommendations.

Key Support / Demand Zones

Technical traders can view real-time demand and supply zones for PYPL on our Demand Zones page. These zones identify key price levels where institutional buying or selling has historically occurred.

With PYPL currently trading at $47.32, our system monitors proximity to these critical levels and can alert you when the stock approaches support or resistance zones.

Subscribe to demand zone alerts to receive real-time notifications when PYPL reaches key technical levels.

Earnings & Revenue Outlook

PayPal Holdings, Inc. operates in the Financial Services sector, specifically in Credit Services. Understanding earnings trends is crucial for forecasting PYPL's trajectory.

Current revenue growth of 3.7% slightly beats the average company.

Visit our Earnings Calendar to track upcoming PYPL earnings dates and historical beat/miss patterns. Sign up for earnings alerts to get notified before announcements.

PYPL Stock Forecast (Next 3–12 Months)

Our AI projects PYPL's trajectory based on current fundamentals and historical patterns. With a 76% Strong Buy Score, here's what the data suggests:

Bullish Outlook: PayPal Holdings, Inc. shows strong fundamental momentum. Net margins of 15.8% indicate pricing power and operational efficiency. Stocks with similar profiles have historically outperformed over 12-month periods.

For a complete 12-month price forecast with specific bull/bear scenarios, generate the full PDF report.

Valuation Metrics (P/E, Growth, Margins)

Understanding valuation is critical for determining if PYPL is fairly priced. Here's the current snapshot:

  • Market Capitalization: $44.28B
  • P/E Ratio (TTM): 8.7x (value territory)
  • Forward P/E: 8.1x (based on analyst estimates)
  • Debt/Equity: 0.61 (moderate leverage)

Our AI weighs these metrics against growth rates and margin quality to determine if PYPL offers compelling risk-adjusted returns at current prices.

Bull Case for PYPL

Here's why investors are bullish on PayPal Holdings, Inc.:

  • Gross Margin (41.5%)
  • Net Margin (15.8%)
  • Return on Equity (25.7%)

With a 76% Strong Buy Score, the bull case is well-supported by current fundamentals. The stock exhibits characteristics of quality compounders that tend to outperform long-term.

Bear Case & Risks for PYPL

Every investment carries risk. Here are potential concerns for PYPL investors:

  • Competitive pressures in Financial Services
  • Macroeconomic sensitivity and interest rate exposure
  • Execution risk on growth initiatives
  • Valuation compression if growth slows

The full PDF report includes a detailed bear case analysis with specific risk ratings for each category.

Summary / 12-Month Outlook

PYPL Summary: PayPal Holdings, Inc. earns a 76% Buy Score based on AI analysis of fundamental data. Trading at $47.32 with a $44.28B market cap, the stock shows strong fundamentals supporting a bullish 12-month outlook.

Bull Case: Gross Margin (41.5%), Net Margin (15.8%)

For the complete analysis with specific price considerations, growth projections, and AI-powered buy/hold/sell recommendations, generate your free PYPL PDF report.

Frequently Asked Questions about PYPL

Is PYPL a good buy right now?
PYPL currently has a Strong Buy Score of 76% (Buy). Based on AI analysis of fundamentals, PYPL shows strong buy signals with solid revenue growth, margins, and return metrics. Generate a free PDF report for specific buy/hold/sell recommendations.
What is the PYPL stock forecast for 2026?
Our AI forecasts PYPL based on current fundamentals: revenue growth of 3.7%, net margin of 15.8%, and P/E of 8.7x. The 76% Strong Buy Score reflects our outlook combining growth trajectory, margin quality, and valuation. See the full 12-month projection in your PDF report.
What are key support and resistance levels for PYPL?
View real-time PYPL demand zones (support) and supply zones (resistance) on our Demand Zones page. With PYPL currently at $47.32, you can see how close the stock is to key technical levels. Subscribe to get alerts when PYPL approaches these zones.
How do PYPL fundamentals compare to peers?
PayPal Holdings, Inc. operates in the Financial Services sector. Key metrics for peer comparison: Gross margin 41.5%, ROE 25.7%, Debt/Equity 0.61. The 76% Strong Buy Score factors in how these metrics stack up against industry averages. Data is refreshed daily.
Is the PYPL analysis PDF report free?
Yes! Your first PYPL fundamental analysis report is completely free with no credit card required. The PDF includes the full Strong Buy Score breakdown, all 8 fundamental categories analyzed, AI-powered insights, and specific investment recommendations. Additional reports are available through our subscription plans starting at $24/month.
What is PayPal Holdings, Inc.'s market cap and P/E ratio?
PayPal Holdings, Inc. (PYPL) has a market cap of $44.28B and a trailing P/E ratio of 8.7x (forward P/E: 8.1x). These valuation metrics are key factors in our Strong Buy Score calculation. See all metrics in the PDF report for comprehensive valuation analysis.