PayPal Holdings, Inc. is an American company operating an online payments system in the majority of countries that support online money transfers, and serves as an electronic alternative to traditional paper methods like checks and money orders. The company operates as a payment processor for online vendors, auction sites, and many other commercial users, for which it charges a fee.
| Revenue (TTM) | $34.29B |
| Gross Profit (TTM) | $13.91B |
| EBITDA | $6.52B |
| Operating Margin | 18.40% |
| Return on Equity | 23.80% |
| Return on Assets | 4.70% |
| Revenue/Share (TTM) | $38.40 |
| Book Value | $23.28 |
| Price-to-Book | 2.51 |
| Price-to-Sales (TTM) | 1.44 |
| EV/Revenue | 1.521 |
| EV/EBITDA | 7.29 |
| Quarterly Earnings Growth (YoY) | -3.80% |
| Quarterly Revenue Growth (YoY) | 2.00% |
| Shares Outstanding | $830.66M |
| Float | $828.71M |
| % Insiders | 0.73% |
| % Institutions | 80.78% |
Volatility is currently expanding
American Express maintains a premium brand position with high-spending customers and a closed-loop payments network. PayPal offers massive global scale through its two-sided network of over 400 million active consumer and merchant accounts.
Fintech stocks are rallying behind Block (NYSE:XYZ | XYZ Price Prediction), whose Q3 2026 results topped forecasts and arrived with a higher outlook. Block shares have rose to $88.08 by afternoon, up 16%.
PayPal Holdings remains a 'Buy' despite core business pressures, with significant long-term upside potential and a target valuation closer to $100. PYPL faces challenges including declining branded checkout growth, margin compression, and competitive pressures, yet maintains robust free cash flow and a resilient economic moat. Growth drivers such as Venmo, Buy Now Pay Later, and aggressive share buybacks support bottom-line expansion, even as top-line growth moderates.
Paypal (PYPL) has been one of the stocks most watched by Zacks.com users lately. So, it is worth exploring what lies ahead for the stock.
Competition and saturation are finally limiting this company's growth. It's attempting a turnaround, however, that a handful of institutions and major investors also appear to believe is possible.
Growing cross-border transactions, resilient consumer spending and strategic acquisitions support financial transaction stocks, while rising technology costs and inflation pose challenges. Companies like V, MA, PYPL, GPN and WEX are likely to navigate industry challenges.
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PayPal stock is trading as if it is going bankrupt, despite still growing and generating robust free cash flow. The company could buy all its shares back in less than eight years at current prices.
PayPal Holdings, Inc. shows signs of turnaround, driven by Venmo's strong TPV growth and management's renewed focus on high-margin payment services. PYPL delivered a Q3 earnings beat, but revenues missed expectations, in part due to headwinds in the international business. Venmo's total payment volume rose 14% Y/Y and now represents 20% of PYPL's total payment volume, underpinning optimism for future growth and potential revaluation.
PYPL's Q3 2026 earnings beat estimates as transaction revenues rise 3% and total payment volume climbs 6%, despite a low value-added services revenue.
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