Stock Analysis
PayPal Holdings, Inc. (PYPL) Stock Analysis
PayPal Holdings, Inc. (PYPL) stock analysis covering valuation, fundamentals, technical indicators, risk, AIQ Momentum, analyst catalysts, dividends, and the current AIQ Score.
PayPal Holdings, Inc. (PYPL) currently has an AIQ Score of 67/100, indicating a neutral setup. Momentum is the strongest factor at 79/100. Risk is the weakest current factor at 62/100. Technical, fundamental, catalyst, dividend, and risk evidence should be read together at the latest market-close snapshot.
PYPL at a Glance
Crawlable current metrics from the latest market-close stock snapshot.
| Metric | Current |
|---|---|
| Price | $57.20 |
| AIQ Score | 67/100 |
| Overall View | Neutral |
| Technical Analysis Consensus | Strong Buy |
| Market Cap | $44.83B |
| P/E Ratio (TTM) | 9.83 |
| Forward P/E | — |
| EPS (quarter ended 2026-06-30) | $1.26 |
| Revenue (quarter ended 2026-06-30) | $8.68B |
| Dividend Yield (TTM) | 0.80% |
| Beta | 1.3 |
| Volume | 10.68M |
| 52-week range | $38.46-$79.22 |
| RSI 14 | 83.93 |
| 50-Day SMA | $55.96 |
| 200-Day SMA | $50.02 |
| Analyst Price Target | $53.97 |
| Next Earnings | Oct 27, 2026 |
PYPLPayPal Holdings, Inc.
Financial Services / Financial - Credit Services
Leader
Sector Leader
Latest quote
- Momentum79
- Value63
- Quality64
- Risk resilience62
- Sentiment—
PYPL Stock Analysis Summary
PayPal Holdings, Inc. (PYPL) currently has an AIQ Score of 67/100, indicating a neutral setup. Momentum is the strongest factor at 79/100. Risk resilience is the weakest current factor at 62/100. Technical, fundamental, catalyst, dividend, and risk evidence should be read together at the latest market-close snapshot.
In a neutral regime, PYPL has AIQ Score of 67/100 with Momentum base of 79/100 and fading Risk resilience at 62/100. Wait for component alignment before adding exposure.
Financial Services · 0.11% stock move · PYPL classified in Financial - Credit Services.
Current Evidence
AlgovestIQ Evidence Summary
Current consensus, supporting evidence, recent changes, and what would strengthen or weaken the view.
Is PYPL Bullish or Bearish Right Now?
PYPL currently has a neutral overall setup. Momentum is the strongest factor at 79/100, while Risk Resilience is weakest at 62/100. The current evidence suggests a mixed rather than strongly bullish or bearish setup.
- - Quality is supportive at 64/100.
- - Momentum is constructive at 79/100.
- - Risk Resilience is supportive at 62/100.
- - Price is +2.22% above its 50-day SMA.
- - Technical consensus has more buy votes than sell votes (36 vs 7).
- - Analyst target implies -5.65% downside from the latest quote.
Current Consensus
PYPL's Technical Analysis Consensus is currently Strong Buy, with 36 buy, 2 neutral, and 7 sell votes. PYPL's 14-day RSI is 83.93, which places the stock in an overbought momentum range. PYPL's beta is 1.3, indicating greater market sensitivity than the broad market.
What Changed in PYPL?
The largest recent change in PYPL is Momentum moving up by 13.0 points over the available 7-day comparison window. Momentum remains the strongest visible factor.
What Would Change the PYPL Outlook?
The current neutral outlook could improve if AIQ moves above 70, momentum recovers, earnings revisions strengthen, and price confirms a stronger trend above the 50-day and 200-day moving averages. It would weaken if AIQ falls below 40, price loses long-term moving-average support, analyst expectations deteriorate, or risk evidence worsens.
AIQ > 70, RSI above 55, price above SMA-50/SMA-200, and positive catalyst or estimate-revision evidence.
AIQ below 40, RSI below 45, loss of SMA-200, negative revisions, or rising volatility and drawdown risk.
PYPL Decision Framework
Public evidence layers, setup checks, and risk context for PayPal Holdings, Inc..
PayPal Holdings, Inc. (PYPL) Stock Analysis
PayPal Holdings, Inc. has an AIQ Score of 67/100 in a Neutral regime. Momentum is strongest at 79/100. Beta is 1.28, above market sensitivity. Review the supporting stock factors together before drawing a conclusion from any single score.
| Evidence Layer | Public Evidence |
|---|---|
| Regime Context | PYPL is in a Neutral AIQ regime with score 67/100. |
| Signal Conflict | The primary conflict is that momentum leads at 79/100 while risk lags at 62/100. |
| Factor Evidence | Momentum 79/100 · Value 63/100 · Quality 64/100 · Risk 62/100 |
| Persistence | Current snapshot evidence is shown; historical persistence remains in AIQ Pro. |
Current Setup Checklist
Momentum is the strongest factor at 79/100.
Momentum is 79/100 and RSI (14) is 83.9.
PYPL is in a Neutral regime at 67/100.
Risk factor is 62/100 with beta 1.28 and annual volatility 42.86%.
Current conflict: momentum leads at 79/100 while risk lags at 62/100.
PYPL Research Cluster
Ticker-specific paths for valuation, technical analysis, catalysts, dividends, financials, risk, and news.
PYPL Fundamentals
PYPL valuation, profitability, growth, margins, balance-sheet strength, and free cash flow.
PYPL Technical Analysis
PYPL technical setup based on RSI, MACD, moving averages, AIQ Momentum, volume, trend, volatility, and pivots.
PYPL Stock Catalysts
Track PYPL earnings, analyst ratings, price targets, estimate revisions, stock news, and upcoming events.
PYPL Dividend Analysis
PYPL dividend yield, annual dividend, payout ratio, payment history, and income reliability context.
PYPL Financial Data
PYPL revenue, earnings, income statement, balance sheet, cash flow, valuation ratios, and stock metrics.
PYPL Risk Analysis
PYPL volatility, beta, drawdown, Sharpe ratio, VaR, and downside resilience.
PYPL Stock News
PYPL stock news, market tone, recent headlines, and catalyst context.
PYPL vs Payments Peers
Current peer cohort: PYPL · SQ · MA · AXP · V. Compare AIQ, factor scores, Sharpe ratio and 1-year volatility in one indexable view.
| Peer | AIQ | Value | Momentum | Risk | Sharpe | 1Y Volatility | Compare |
|---|---|---|---|---|---|---|---|
| PYPL Current stock | 67/100 | 63/100 | 79/100 | 62/100 | -0.32 | 42.86% | Current |
| SQ Block (Square) | 49/100 | 46/100 | — | 57/100 | — | — | PYPL vs SQ |
| MA Mastercard | 50/100 | 24/100 | 95/100 | 61/100 | 0.36 | 22.45% | PYPL vs MA |
| AXP American Express | 63/100 | 38/100 | 81/100 | 74/100 | -0.33 | 25.44% | PYPL vs AXP |
| V Visa | 65/100 | 24/100 | 85/100 | 64/100 | 0.7 | 22.11% | PYPL vs V |
Peer cohort is resolved dynamically from the AlgovestIQ universe taxonomy and Compare relationship graph. Data as of Oct 21, 2026.
Popular PYPL Comparisons
How PYPL scores against the names it is most often compared with.
About the AIQ Score
Methodology for the current stock evidence.
The AlgovestIQ AIQ Score combines multiple dimensions of stock evidence, including momentum, valuation exposure, quality, risk resilience, sentiment context, and timing signals. It is a descriptive research score, not a guarantee of future performance or a personalized recommendation.
View AIQ methodologyFactor Diagnostics
A compact bridge from the AIQ score to the evidence tabs.
Open the return calculator with stock context while purchase price, shares, dates and fees remain user inputs.
AIQ Component Profile
Compare the five component scores on one consistent 0–100 scale.
Review earnings timing, revisions, news pressure, and prior event reactions in one place.
Open catalysts3 recent quarterly periods are available for review.
Checked Oct 21, 2026
Explore factor drivers, conflicts, persistence, and scenario sensitivity in the advanced workspace.
Fundamentals Verdict
Current snapshot fields are separate from reported-quarter statement tables.
Latest period Jun 30, 2026.
Market Confirmation
Technicals are summarized first, with the indicator library behind it.
Risk Alignment
Higher resilience is stronger; exposure metrics stay separate.
Continue Researching PYPL
Open the detailed evidence pages and workflows behind the stock overview read.
Premium Feature
Full AIQ Analysis
AIQ Intelligence
AIQ Pro for PYPL
Scenario Analysis
AIQ Scenario Builder
Portfolio Implication
Related Links
PYPL Stock FAQ
What is PYPL stock price today?
PayPal Holdings, Inc.'s current stock price is $57.20. Use the live quote with AIQ Score, news, and risk context rather than treating price alone as a decision signal.
Is PYPL bullish or bearish right now?
PYPL's bullish or bearish read depends on the current AIQ Score, factor alignment, technical analysis consensus, valuation, risk, and catalyst evidence. A mixed setup should be treated differently from a broad confirmation across those signals.
What is PYPL's market cap?
PYPL's market cap is $44.83B based on the latest completed market-close snapshot from Oct 21, 2026. Use it with P/E ratio, revenue, and growth metrics to frame company size, valuation, and peer comparisons.
What is PYPL's current P/E ratio?
PYPL's current P/E ratio is 9.83 based on the latest completed market-close snapshot from Oct 21, 2026. Read it with revenue growth, margins, EPS, cash flow, and peer valuation rather than using P/E alone.
What is PYPL's RSI?
PYPL's 14-day RSI is 83.93 based on the latest completed market-close snapshot from Oct 21, 2026. RSI should be interpreted with MACD, moving averages, volume, volatility, and price trend.
Is PYPL above its 50-day and 200-day moving averages?
PYPL is 2.22% from its 50-day SMA and 14.35% from its 200-day SMA based on the latest completed market-close snapshot from Oct 21, 2026. Moving-average position should be read with momentum and broader AIQ evidence.
When is PYPL's next earnings date?
PYPL's next earnings date is currently listed as Oct 27, 2026. Earnings can reset revenue, EPS, price target, analyst rating, and catalyst expectations.
Does PYPL pay a dividend?
PYPL's dividend yield is 0.80% based on the latest completed market-close snapshot from Oct 21, 2026. Dividend yield should be read with payout ratio, free cash flow, growth, and balance-sheet strength.