PYPL
BuyFallen FavouriteAI neutralPayPal Holdings, Inc. · Financial Services · United States · $48.8B cap · $661.8M/day traded
$57.02 -0.9% · close 23 Oct · scored 24 Oct
Fallen Favourite: A good business, still expensive, and the price is falling.
Read our full research report on PYPL (Jun 2026), freeReport expected 27 Oct: the next-year EPS estimate has risen 0.6% over the last 14 weeks.
As of 24 Oct 2026, MoatMap's StockRank for PayPal Holdings, Inc. (PYPL) is 74/100, ranked against 24,000+ stocks in 35 markets (Quality 73, Value 50, Momentum 46, each scored against its sector).
Does StockRank work? Each month we publish how every decile did, whichever way it went. See the record →
PayPal runs one of the largest online payment networks, including Venmo and the Braintree processing business, and generates large free cash flow that it has used for share buybacks. Recent news is dominated by takeover speculation: Stripe reportedly walked away from a deal and the shares have moved on rumours of another bidder. Without a firm offer, the case rests on whether PayPal can restore growth in its branded checkout business against Apple Pay, Shopify and card-network wallets, which it has not yet clearly shown.
ABOUT PAYPAL HOLDINGS, INC.
Read
PayPal Holdings, Inc. is a global leader in digital payments, operating a vast technology platform that facilitates online and mobile money transfers for consumers and merchants worldwide, including brands like PayPal and Venmo. The company's formidable competitive moat stems from its enormous two-sided network effects, strong brand recognition, and extensive global reach, creating a trusted and indispensable ecosystem for digital commerce. This enables it to process massive transaction volumes and leverage data for enhanced user experiences.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 27.5B | 29.8B | 31.8B | 33.2B | 6.4% | 34.1B | 34.7B | 36.2B | 4.5% |
| EPS | 2.10 | 3.85 | 4.03 | 5.46 | 37.5% | 5.29 | 5.54 | 5.95 | 4.4% |
| Shares | 1.1B | 1.1B | 993.0M | 920.0M | -19.0% | 855.5M | — | — | — |
| Debt | 10.4B | 9.7B | 9.9B | 10.0B | -1.4% | 14.2B | — | — | — |
| Equity | 20.3B | 21.1B | 20.4B | 20.3B | -0.0% | — | — | — | — |
| Op CF | 5.8B | 4.8B | 7.5B | 6.4B | 3.3% | 7.5B | — | — | — |
| Inv CF | -3.3B | 752.0M | 1.7B | 797.0M | — | — | — | — | — |
| Fin CF | -1.2B | -3.0B | -8.3B | -6.0B | — | — | — | — | — |
No new 52-week low for 35 weeks, 50% above that low, but not back above a rising 50-day average.
Swung more than 52% of stocks we rank over the past year (43% a year).
How this is worked out
StockRank judges the business. The price check reads only the chart: it is the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn like this one cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: day-to-day price moves over the past year, as a yearly figure, ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of PYPL are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| PYPL | PayPal Holdings, Inc.(you) | $48.8B | 74 | Buy |
| AFRM | Affirm Holdings, Inc. | $23.6B | 57 | Hold |
| COF | Capital One Financial Corporation | $123.5B | 55 | Hold |
| CACC | Credit Acceptance Corporation | $5.7B | 75 | Buy |
| SYF | Synchrony Financial | $24.0B | 40 | Hold |
| MA | Mastercard Incorporated | $546.3B | 73 | Buy |
| SEZL | Sezzle Inc. | $4.5B | 77 | Buy |
| BFH | Bread Financial Holdings, Inc. | $3.8B | 69 | Buy |
| V | Visa Inc. | $765.8B | 70 | Buy |
| ALLY | Ally Financial Inc. | $11.9B | 33 | Sell |
Peer medians: ROE 9.6% · P/E 12.3x · Gross margin 100.0%
Company Deep Dive
Read the full research report: business segments breakdown, earnings transcripts review, management credibility analysis, competitive landscape, and scenarios.