Tearsheet

PayPal (PYPL)

Market Price (12/4/2025): $61.75 | Market Cap: $58.7 Bil
Sector: Financials | Industry: Transaction & Payment Processing Services

PayPal (PYPL)

Market Price (12/4/2025): $61.11
Market Cap: $58.1 Bil
Sector: Financials
Industry: Transaction & Payment Processing Services

Investment Highlights Why It Matters Which of these 2 stories sounds closer for this stock?

1. Generates cash flow

The stock generated 4% or more of the share price (called cash flow yield), and shows moderate 10-15% or more growth.

2. Riding a trend

Think Tesla during the pandemic of 2020 when EVs were riding a cultural high, or Nvidia in the current AI boom, or even Figma. These companies don’t have enough yield, or, enough growth, or both - however - they are riding a trend. They have momentum. These can be more volatile - they don’t have the floor of strong cash flow

Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments, E-commerce & Digital Retail, Cybersecurity, and AI in Financial Services. Show more.

0	Megatrend and thematic drivers Megatrends include Fintech & Digital Payments, E-commerce & Digital Retail, Cybersecurity, and AI in Financial Services. Show more.

Valuation, Metrics & Events

	12/4/25	2024	2023	2022	2021
Share Price CYE	$61.11	$85.15	$61.27	$71.06	$188.15
Market Cap CYE ($ Bil)	58.1	84.8	66.1	80.9	220.9
Total Debt ($ Bil)	11.3	9.9	9.7	10.4	8.0
Total Cash ($ Bil)	10.8	10.8	14.1	10.9	9.4
Enterprise Value ($ Bil)	58.6	94.7	75.8	91.3	228.9
Valuation Ratios
P/S TTM	1.9	2.8	2.3	3.0	8.7
P/EBIT TTM	9.8	15.4	11.8	22.4	51.1
P/E TTM	12.9	21.2	15.9	34.0	53.1
Sector Ratios
P/S TTM (Sector)	3.0	3.1	2.8	2.8	3.4
P/EBIT TTM (Sector)	8.1	8.5	7.5	7.7	7.3
P/E TTM (Sector)	11.7	11.6	10.2	9.4	10.1

	12/4/25	2024	2023
Share Price CYE	$61.11	$85.15	$61.27
Market Cap CYE ($ Bil)	58.1	84.8	66.1
Total Debt ($ Bil)	11.3	9.9	9.7
Total Cash ($ Bil)	10.8	10.8	14.1
Enterprise Value ($ Bil)	58.6	94.7	75.8
Valuation Ratios
P/S TTM	1.9	2.8	2.3
P/EBIT TTM	9.8	15.4	11.8
P/E TTM	12.9	21.2	15.9
Sector Ratios
P/S TTM (Sector)	3.0	3.1	2.8
P/EBIT TTM (Sector)	8.1	8.5	7.5
P/E TTM (Sector)	11.7	11.6	10.2

	PYPL	S&P 500
REVENUE GROWTH	FAIR
Rev LTM ($ Bil)	32.9
Rev Chg Q	7.3%	0.8%
Rev Chg LTM	4.5%	0.8%
Rev Chg 3Y Avg	6.7%	3.1%
PROFITABILITY	FAIR
Op Inc LTM ($ Bil)	6.3
CFO LTM ($ Bil)	6.4
Net Inc LTM ($ Bil)	4.9
Op Mgn LTM	19.2%	22.0%
CFO/Rev LTM	19.6%	20.7%
Net Inc Mgn	15.0%	10.1%
VALUATION	LOW
P/S	1.9	2.1
P/CFO	9.9	9.9
P/FCF	11.4	12.2
P/E	12.9	20.7
STABILITY	VERY GOOD
Debt/Equity	0.18	0.44
Cash/Assets	0.13	0.05

AI Generated Analysis | Feedback

Metric	Value	Date	Source
Active Accounts	438000000	9302025	Link
Total Payment Volume (TPV)	458.1 billion	9302025	Link
Payment Transactions per Active Account (Trailing Twelve Months)	57.6	9302025	Link
Number of Merchant Accounts	36000000	12312024	Link
Payment Transactions	6300000000	9302025	Link
Global Online Payment Market Share	45%	2282025	Link
Venmo - Total Payment Volume	276 billion	12312025	Link
Number of active Venmo customers	92000000	2252025	Link

Recent
11/19/2025	Dividend	Amount: $0.14 Payment On: 12/10/2025
Upcoming
2/03/2026	Earnings Release	Rev: - EPS: -

PYPL Stock

Return (1M): -7.31%

Why The Stock Moved

Qualitative Assessment

AI Generated Analysis | Feedback

Here are five key points explaining why PayPal's (PYPL) stock moved by approximately -12.5% around late August to early December, referencing a similar decline observed in August 2023 following the company's Q2 earnings report: 1. Lower-than-expected operating margins and competitive pressure. PayPal's non-GAAP operating margin for the second quarter of 2023 was slightly below management's previous guidance, largely due to increased loss provisions in its credit portfolio and less revenue realized than anticipated. This performance highlighted analyst concerns about competitive pressures, especially regarding the growth of high-margin branded checkout payments.

2. Decreasing active customer accounts. For the second consecutive quarter in Q2 2023, PayPal reported a reduction in active customer accounts, with a decrease of 2 million. This decline in user numbers was attributed by the company to the "churn of minimally engaged accounts" and a strategic focus on encouraging higher activity levels among existing active users.

3. Slower revenue growth rates. Despite reporting overall revenue and profit growth, the pace of PayPal's top-line expansion was not sufficient to reassure investors about its future growth prospects. Net revenues in Q4 2022, Q1 2023, and Q2 2023 were among its slowest growth rates, at 7%, 9%, and 7% year-over-year, respectively.

4. Concerns surrounding the credit portfolio's health. The underperformance in operating margins was partly linked to issues within PayPal's credit portfolio. Management increased its loss provisions in this area and experienced lower-than-expected revenue, leading to market concerns about the overall health and performance of this segment of PayPal's business.

5. Uncertainty regarding company leadership and future direction. Throughout 2023, there was investor uncertainty related to PayPal's leadership, particularly with the announcement of long-time CEO Dan Schulman's planned retirement and the subsequent naming of a replacement in August 2023. This period of transition contributed to a cautious outlook among investors regarding the company's future strategy.

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Stock Movement Drivers

Fundamental Drivers

The -11.9% change in PYPL stock from 9/3/2025 to 12/3/2025 was primarily driven by a -17.8% change in the company's P/E Multiple.

	9032025	12032025	Change
Stock Price ($)	69.48	61.24	-11.86%
Change Contribution By	LTM	LTM
Total Revenues ($ Mil)	32292.00	32862.00	1.77%
Net Income Margin (%)	14.49%	14.96%	3.26%
P/E Multiple	14.39	11.83	-17.77%
Shares Outstanding (Mil)	969.00	950.00	1.96%
Cumulative Contribution			-11.89%

LTM = Last Twelve Months as of date shown

Market Drivers

9/3/2025 to 12/3/2025

	Return	Correlation
PYPL	-11.9%
Market (SPY)	6.2%	52.8%
Sector (XLF)	0.1%	50.3%

Fundamental Drivers

The -15.7% change in PYPL stock from 6/4/2025 to 12/3/2025 was primarily driven by a -24.9% change in the company's P/E Multiple.

	6042025	12032025	Change
Stock Price ($)	72.63	61.24	-15.68%
Change Contribution By	LTM	LTM
Total Revenues ($ Mil)	31889.00	32862.00	3.05%
Net Income Margin (%)	14.26%	14.96%	4.96%
P/E Multiple	15.75	11.83	-24.89%
Shares Outstanding (Mil)	986.00	950.00	3.65%
Cumulative Contribution			-15.80%

LTM = Last Twelve Months as of date shown

Market Drivers

6/4/2025 to 12/3/2025

	Return	Correlation
PYPL	-15.7%
Market (SPY)	15.1%	55.1%
Sector (XLF)	5.8%	56.3%

Fundamental Drivers

The -27.9% change in PYPL stock from 12/3/2024 to 12/3/2025 was primarily driven by a -39.2% change in the company's P/E Multiple.

	12032024	12032025	Change
Stock Price ($)	84.94	61.24	-27.91%
Change Contribution By	LTM	LTM
Total Revenues ($ Mil)	31457.00	32862.00	4.47%
Net Income Margin (%)	14.08%	14.96%	6.30%
P/E Multiple	19.47	11.83	-39.23%
Shares Outstanding (Mil)	1015.00	950.00	6.40%
Cumulative Contribution			-28.20%

LTM = Last Twelve Months as of date shown

Market Drivers

12/3/2024 to 12/3/2025

	Return	Correlation
PYPL	-27.9%
Market (SPY)	14.3%	64.3%
Sector (XLF)	7.4%	63.7%

Fundamental Drivers

The -17.8% change in PYPL stock from 12/4/2022 to 12/3/2025 was primarily driven by a -68.4% change in the company's P/E Multiple.

	12042022	12032025	Change
Stock Price ($)	74.49	61.24	-17.79%
Change Contribution By	LTM	LTM
Total Revenues ($ Mil)	27053.00	32862.00	21.47%
Net Income Margin (%)	8.50%	14.96%	76.07%
P/E Multiple	37.39	11.83	-68.35%
Shares Outstanding (Mil)	1154.00	950.00	17.68%
Cumulative Contribution			-20.35%

LTM = Last Twelve Months as of date shown

Market Drivers

12/4/2023 to 12/3/2025

	Return	Correlation
PYPL	2.6%
Market (SPY)	53.2%	54.9%
Sector (XLF)	52.4%	56.1%

Return vs. Risk

Price Returns Compared

	2020	2021	2022	2023	2024	2025	Total [1]
Returns
PYPL Return	117%	-19%	-62%	-14%	39%	-26%	-42%
Peers Return	72%	32%	-41%	70%	28%	26%	266%
S&P 500 Return	16%	27%	-19%	24%	23%	16%	112%
Monthly Win Rates [3]
PYPL Win Rate	67%	50%	25%	58%	58%	60%
Peers Win Rate	63%	65%	28%	68%	58%	64%
S&P 500 Win Rate	58%	75%	42%	67%	75%	70%
Max Drawdowns [4]
PYPL Max Drawdown	-21%	-23%	-64%	-29%	-9%	-33%
Peers Max Drawdown	-21%	-8%	-48%	-2%	-11%	-19%
S&P 500 Max Drawdown	-31%	-1%	-25%	-1%	-2%	-15%

[1] Cumulative total returns since the beginning of 2020
[2] Peers: GOOGL, AMZN, SHOP, INTU, MA. See PYPL Returns vs. Peers.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2025 data is for the year up to 12/3/2025 (YTD)

How Low Can It Go

Unique Key	Event	PYPL	S&P 500
2022 Inflation Shock	2022 Inflation Shock
2022 Inflation Shock% Loss	% Loss	-83.7%	-25.4%
2022 Inflation Shock% Gain to Breakeven	% Gain to Breakeven	512.3%	34.1%
2022 Inflation ShockTime to Breakeven	Time to Breakeven	Not Fully Recovered days	464 days
2020 Covid Pandemic	2020 Covid Pandemic
2020 Covid Pandemic% Loss	% Loss	-31.2%	-33.9%
2020 Covid Pandemic% Gain to Breakeven	% Gain to Breakeven	45.3%	51.3%
2020 Covid PandemicTime to Breakeven	Time to Breakeven	43 days	148 days
2018 Correction	2018 Correction
2018 Correction% Loss	% Loss	-20.3%	-19.8%
2018 Correction% Gain to Breakeven	% Gain to Breakeven	25.5%	24.7%
2018 CorrectionTime to Breakeven	Time to Breakeven	114 days	120 days

Compare to GOOGL, AMZN, SHOP, INTU, MA

In The Past

PayPal's stock fell -83.7% during the 2022 Inflation Shock from a high on 7/23/2021. A -83.7% loss requires a 512.3% gain to breakeven.

Preserve Wealth

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Asset Allocation

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About PayPal (PYPL)

PayPal Holdings, Inc. operates a technology platform that enables digital payments on behalf of merchants and consumers worldwide. It provides payment solutions under the PayPal, PayPal Credit, Braintree, Venmo, Xoom, Zettle, Hyperwallet, Honey, and Paidy names. The company's payments platform allows consumers to send and receive payments in approximately 200 markets and in approximately 100 currencies, withdraw funds to their bank accounts in 56 currencies, and hold balances in their PayPal accounts in 25 currencies. PayPal Holdings, Inc. was founded in 1998 and is headquartered in San Jose, California.

AI Generated Analysis | Feedback

Here are 1-3 brief analogies for PayPal:

The Visa or Mastercard for online payments.
The digital wallet of the internet, similar to Google Pay or Apple Pay for online shopping.
A blend of Zelle for sending money to friends and a credit card processor for online businesses.

AI Generated Analysis | Feedback

PayPal Platform: An online payment processing service enabling individuals and businesses to send, receive, and manage money securely for online purchases and transactions.
Venmo: A mobile app-based peer-to-peer payment service primarily used for sending and receiving money among friends and family, often with a social sharing component.
Braintree: A payment gateway service providing businesses with solutions to accept various payment methods, including credit cards, debit cards, and digital wallets, for online and in-app transactions.
Xoom: An international money transfer service allowing users to send money abroad for bank deposits, cash pickup, or mobile wallet transfers.
PayPal Credit: A digital revolving line of credit offered to users for purchases made through PayPal, often including promotional financing options.
PayPal Zettle: Point-of-sale (POS) solutions, including hardware and software, for small businesses to accept in-person card and contactless payments.
Honey: A browser extension that automatically finds and applies coupon codes at checkout and offers rewards programs for online shoppers.

AI Generated Analysis | Feedback

While PayPal (PYPL) generates a significant portion of its revenue from fees charged to businesses (merchants) for payment processing services, its fundamental business model and ecosystem value are built upon serving and attracting a vast network of individual users. These individuals drive the demand for PayPal's services, whether by making purchases or sending money, ultimately making them its primary "customers" in terms of user engagement and ecosystem participation. Therefore, PayPal primarily serves individuals.

The company serves up to three main categories of individual customers:

Online Shoppers and Consumers: This is a core customer group comprising individuals who use their PayPal accounts to make secure and convenient purchases of goods and services from various online merchants worldwide. They are drawn to PayPal for its buyer protection, streamlined checkout process, and the ability to manage multiple payment methods within a single digital wallet.
Peer-to-Peer (P2P) Users: Individuals who utilize PayPal and its subsidiary Venmo to send and receive money from friends, family, or other acquaintances. This category is driven by the need for quick, easy, and often social money transfers for purposes such as splitting bills, sending gifts, or sharing expenses.
Freelancers and Small Service Providers: This segment includes individuals who use PayPal to receive payments for services they provide, such as freelance work, consulting, tutoring, or selling handmade goods. They often operate as individual entrepreneurs or micro-merchants, seeking a straightforward and accessible way to accept payments from their clients or customers without needing a complex traditional merchant account.

AI Generated Analysis | Feedback

Visa (V)
Mastercard (MA)
American Express (AXP)
Discover Financial Services (DFS)
Equinix (EQIX)

AI Generated Analysis | Feedback

Here is the management team for PayPal: Alex Chriss, President & Chief Executive Officer Alex Chriss has over two decades of experience in technology, focusing on helping individuals and small businesses with their financial challenges. He founded and successfully sold two startups early in his career. Prior to joining PayPal, he spent nearly two decades at Intuit, where he served as the Executive Vice President and General Manager of the Small Business and Self-Employed Group, overseeing key products like QuickBooks and Mailchimp. A notable achievement during his tenure at Intuit was leading the $12 billion acquisition of Mailchimp in 2021. Chriss is recognized for his customer-centric approach, product innovation, and driving digital transformation. Jamie Miller, Chief Financial & Operating Officer Jamie Miller brings over 30 years of experience in finance and corporate strategy to PayPal. Before her role at PayPal, she was the Global CFO of EY, where she led the separation and IPO of its strategy, tax, and consulting business. She also served as CFO at Cargill, a private company, overseeing all financial activities, corporate strategy, and business development. Prior to Cargill, Miller spent 12 years at General Electric, holding positions such as Senior Vice President and CFO, CEO of GE Transportation, Chief Information Officer, and Chief Accounting Officer, where she played a significant role in GE's financial turnaround. Earlier in her career, she was a Partner at PricewaterhouseCoopers LLP. She has experience guiding both public and private companies through dynamic environments and transformations. Miller also serves on the board of directors for Qualcomm. Isabel Cruz, Chief People Officer Isabel Cruz is the Chief People Officer at PayPal. She is responsible for leading PayPal's global human resources organization. Her background includes extensive experience in human resources leadership roles at various companies, focusing on talent management, organizational development, and fostering inclusive workplace cultures. Michelle Gill, General Manager, Small Business & Financial Services Group Michelle Gill serves as the General Manager of the Small Business & Financial Services Group at PayPal. Her career includes leadership roles in financial services and technology, with a focus on developing strategies and products for small businesses. She has held positions at companies like Intuit and Varo Bank, bringing expertise in consumer and small business banking, product management, and growth strategies. Srini Venkatesan, Chief Technology Officer Srini Venkatesan is the Chief Technology Officer at PayPal. He is responsible for PayPal's global technology vision, strategy, and execution. His experience spans over two decades in the technology sector, with a focus on product development, engineering, and leading large-scale technology organizations. Prior to joining PayPal, he held leadership positions at Verizon Media and Yahoo, where he was involved in driving technological innovation and digital transformation.

AI Generated Analysis | Feedback

The increasing ubiquity and feature expansion of native digital wallets and financial services offered by major tech companies like Apple (e.g., Apple Pay, Apple Pay Later, Apple Savings, Apple Card) and Google (e.g., Google Pay). These deeply integrated solutions often provide a more seamless user experience for online, in-app, and contactless payments, directly competing with PayPal's core checkout services, Venmo, and consumer finance offerings.

The fragmentation of the online checkout landscape driven by the rise of integrated payment solutions from e-commerce platforms (e.g., Shopify Payments) and the proliferation of dedicated Buy Now Pay Later (BNPL) providers (e.g., Affirm, Klarna, Afterpay), including those launched by competitors like Apple. These alternatives offer merchants and consumers more choice, reducing PayPal's exclusive or primary position in many online transactions and competing directly for installment payment volume.

AI Generated Analysis | Feedback

PayPal Holdings, Inc. (PYPL) operates in several large and growing addressable markets for its main products and services, primarily within the digital payments landscape.

Digital Payments (Overall): The global digital payment market was valued at approximately USD 105.3 billion in 2023 and is projected to reach around USD 514.9 billion by 2033, growing at a compound annual growth rate (CAGR) of 17.2% from 2024 to 2033. Other estimates place the global digital payments market size at USD 119.40 billion in 2024, expected to grow to USD 578.33 billion by 2033 with a CAGR of 19.16% during the forecast period (2025-2033). Another source indicates the market is expected to reach US$ 32.07 trillion by 2033, from US$ 10.18 trillion in 2024, with a CAGR of 13.59% from 2025 to 2033.
Peer-to-Peer (P2P) Payments: The global P2P payment market was valued at $2,851.1 million in 2024 and is projected to reach $14,506.8 million by 2034, growing at a CAGR of 17.3% from 2025 to 2034. Another estimate states the market size for P2P payment platforms globally was $41.6 billion in 2024 and is forecast to reach $92.4 billion by 2033. In the U.S., Venmo, a PayPal subsidiary, captured 81% of all U.S. P2P digital wallet transactions in 2025. The U.S. mobile P2P payment market is used by an estimated 82.5 million users.
Online Payment Gateways (including Braintree): The global online payment gateway market is projected to grow from USD 34,222.63 million in 2024 to USD 111,463.98 million by 2035, exhibiting a CAGR of 11.33% during the forecast period.
Cross-Border Payments: The global cross-border payments market is identified as a "$290 trillion juggernaut by 2030," with a projected CAGR of 7.10%. PayPal's "PayPal World" platform, launched in 2025, aims to unlock over $10 trillion in cross-border transaction value by 2030.

AI Generated Analysis | Feedback

PayPal (PYPL) is focusing on several key initiatives to drive future revenue growth over the next two to three years.

Here are 3-5 expected drivers of future revenue growth:

Winning Checkout and Modernizing Experiences: PayPal is investing in upgrading its checkout experiences, including initiatives like Fastlane and PayPal World, to boost conversion rates globally and drive durable branded checkout growth. These efforts aim to enhance online and offline payment experiences, including through subscriptions.
Scaling Venmo: Venmo continues to be a significant growth driver, with increasing total payment volume (TPV), monthly debit activity, and expanded integration into "Pay with Venmo" and merchant checkout. This expansion is contributing to improved branded transaction margins.
Expansion of Buy Now, Pay Later (BNPL) Services: The company is expanding its BNPL services into new markets, and this segment is already demonstrating strong year-over-year growth.
Leveraging AI and Data for New Services (including Advertising): PayPal is focusing on leveraging its extensive consumer spending data to enhance its advertising business, PayPal Ads, by creating targeted discounts and personalized recommendations using artificial intelligence. A notable partnership with OpenAI will enable a "Buy with PayPal" button within ChatGPT starting in 2026, allowing customers to make purchases directly within the chatbot.
Driving PSP Profitability and Unified Merchant Offering: PayPal aims to improve the profitability of its payment processing services (PSP), including through renegotiations related to Braintree, to secure better economics and strategic partnerships. The launch of PayPal Open, a new unified merchant offering, is designed to consolidate platforms and better serve the evolving needs of both consumers and merchants.

AI Generated Analysis | Feedback

Share Repurchases

PayPal has spent over $30 billion buying back shares since 2015.
In 2024, the company repurchased approximately $6 billion worth of shares.
PayPal's board authorized an additional $15 billion stock repurchase program in 2024, following a previous $15 billion authorization in June 2022. In Q2 2025, PayPal repurchased $1.5 billion in shares.

Share Issuance

PayPal's outstanding shares have been declining due to consistent share repurchases, with shares outstanding decreasing from 1.158 billion in 2022 to 960 million in Q3 2025.
Minimal stock issuances have been observed in recent quarters.

Outbound Investments

In September 2025, PayPal announced a two-year agreement for funds managed by Blue Owl Capital to purchase approximately $7 billion of PayPal's U.S. "Pay in 4" (Buy Now, Pay Later) receivables. This strategy aims to support the growth of its Pay Later portfolio and enable greater investment in strategic initiatives.
In September 2025, PayPal committed to invest $100 million in the Middle East and Africa over the coming years through a mix of minority investments, acquisitions, and PayPal Ventures funding to fuel digital growth and support entrepreneurs.

Capital Expenditures

PayPal's capital expenditures for fiscal years 2020 to 2024 averaged $757.2 million.
Annual capital expenditures were $866 million in 2020, $908 million in 2021, $706 million in 2022, $623 million in 2023, and $683 million in 2024.
For fiscal year 2025, PayPal expects capital expenditures of approximately $1 billion, with a significant portion geared towards growth.

	Best Bets In Financials Sector
What You Pay
P/E	13.0
P/EBIT	9.8
What You Get
Rev Chg Q	7.3%
Rev Chg LTM	4.5%
Rev Chg 3Y Avg	6.7%
FCF/Rev 3Y Avg	16.8%

Latest Trefis Analyses

	Title	Topic	Date
0	DASHBOARDS
1	Could You Be Missing PayPal Stock's Upside?	Actionable
2	Could Cash Machine PayPal Stock Be Your Next Buy	Actionable
3	PayPal Stock In Shambles: Down -14% With 7-Day Losing Streak	Notification
4	PayPal Stock In Shambles: Down -10% With 5-Day Losing Streak	Notification
5	Is PayPal Stock Built to Withstand More Downside?	Return
6	FI Beats PayPal Stock on Price & Growth	Actionable
7	PYPL Capital Return Hits $30 Bil in 10 Years
8	Time To Buy PayPal Stock?	Buy or Fear
9	Day 5 of Gains Streak for PayPal Stock with 14% Return (vs. -11% YTD) [10/8/2025]	Notification
10	PayPal vs Apollo Asset Management: Which Is A Better Investment?	Counter-Intuitive Comparisons
11	ARTICLES
12	Has PayPal Stock Quietly Become a Value Opportunity?		December 2nd, 2025
13	Strong Cash Yield: Is PayPal Stock A Buy?		November 25th, 2025
14	Is PayPal Stock Poised for a Rally?		November 21st, 2025
15	7-Day Sell-Off Sends PayPal Stock Down -14%		November 21st, 2025
16	Fiserv vs PayPal: Which Is the Stronger Buy Today?		November 19th, 2025

	Title
0	DASHBOARDS
1	Could You Be Missing PayPal Stock's Upside?
2	Could Cash Machine PayPal Stock Be Your Next Buy
3	PayPal Stock In Shambles: Down -14% With 7-Day Losing Streak
4	PayPal Stock In Shambles: Down -10% With 5-Day Losing Streak
5	Is PayPal Stock Built to Withstand More Downside?
6	FI Beats PayPal Stock on Price & Growth
7	PYPL Capital Return Hits $30 Bil in 10 Years
8	Time To Buy PayPal Stock?
9	Day 5 of Gains Streak for PayPal Stock with 14% Return (vs. -11% YTD) [10/8/2025]
10	PayPal vs Apollo Asset Management: Which Is A Better Investment?
11	ARTICLES
12	Has PayPal Stock Quietly Become a Value Opportunity?
13	Strong Cash Yield: Is PayPal Stock A Buy?
14	Is PayPal Stock Poised for a Rally?
15	7-Day Sell-Off Sends PayPal Stock Down -14%
16	Fiserv vs PayPal: Which Is the Stronger Buy Today?

Trade Ideas

Select past ideas related to PYPL. For more, see Trefis Trade Ideas.

Unique Key	Date	Ticker	Company	Category	Trade Strategy	6M Fwd Rtn	12M Fwd Rtn	12M Max DD
WU_11212025_Dip_Buyer_FCFYield	11212025	WU	Western Union	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	3.4%	3.4%	-0.4%
COIN_11212025_Monopoly_xInd_xCD_Getting_Cheaper	11212025	COIN	Coinbase Global	Monopoly	MY \| Getting CheaperMonopoly-Like with P/S Decline Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple	9.5%	9.5%	0.0%
PYPL_11142025_Dip_Buyer_FCFYield	11142025	PYPL	PayPal	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	0.1%	0.1%	-7.5%
V_11142025_Monopoly_xInd_xCD_Getting_Cheaper	11142025	V	Visa	Monopoly	MY \| Getting CheaperMonopoly-Like with P/S Decline Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple	-0.1%	-0.1%	-2.7%
WD_11072025_Dip_Buyer_ValueBuy	11072025	WD	Walker & Dunlop	Dip Buy	DB \| P/E OPMDip Buy with Low PE and High Margin Buying dips for companies with tame PE and meaningfully high operating margin	-7.7%	-7.7%	-11.0%
PYPL_6302024_Dip_Buyer_FCFYield	06302024	PYPL	PayPal	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	49.7%	28.1%	-1.4%

Unique Key	Date	Ticker	Company	Category	Trade Strategy	6M Fwd Rtn	12M Fwd Rtn	12M Max DD
WU_11212025_Dip_Buyer_FCFYield	11212025	WU	Western Union	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	3.4%	3.4%	-0.4%
COIN_11212025_Monopoly_xInd_xCD_Getting_Cheaper	11212025	COIN	Coinbase Global	Monopoly	MY \| Getting CheaperMonopoly-Like with P/S Decline Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple	9.5%	9.5%	0.0%
PYPL_11142025_Dip_Buyer_FCFYield	11142025	PYPL	PayPal	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	0.1%	0.1%	-7.5%
V_11142025_Monopoly_xInd_xCD_Getting_Cheaper	11142025	V	Visa	Monopoly	MY \| Getting CheaperMonopoly-Like with P/S Decline Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple	-0.1%	-0.1%	-2.7%
WD_11072025_Dip_Buyer_ValueBuy	11072025	WD	Walker & Dunlop	Dip Buy	DB \| P/E OPMDip Buy with Low PE and High Margin Buying dips for companies with tame PE and meaningfully high operating margin	-7.7%	-7.7%	-11.0%
PYPL_6302024_Dip_Buyer_FCFYield	06302024	PYPL	PayPal	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	49.7%	28.1%	-1.4%

Recent Active Movers

1 Day Top Gainers

Ticker	Company	Mkt Cap (B)	1D Rtn	YTD Rtn
MPLT	MapLight Therapeutics	0.7	31.3%
AEVA	Aeva Technologies	0.8	25.7%	188.2%
DC	Dakota Gold	0.6	19.7%	150.9%
SERV	Serve Robotics	0.7	18.2%	-12.6%
ACDC	ProFrac	0.7	17.6%	-45.0%
HY	Hyster Yale	0.6	15.6%	-29.9%
AEO	American Eagle Outfitters	4.1	15.1%	49.7%
BEAM	Beam Therapeutics	2.7	14.4%	7.8%
GOSS	Gossamer Bio	0.8	14.4%	278.1%
FTRE	Fortrea	1.3	14.4%	-21.8%

1 Day Top Losers

Ticker	Company	Mkt Cap (B)	1D Rtn	YTD Rtn
PSTG	Pure Storage	22.6	-27.3%	12.1%
GTLB	GitLab	6.3	-12.8%	-32.9%
CTEV	Claritev	0.7	-11.3%
FBYD	Falcons Beyond Global	0.7	-11.2%	131.2%
ACHC	Acadia Healthcare	1.3	-10.9%	-63.0%
ULS	UL Solutions	16.0	-10.7%	60.4%
HPK	HighPeak Energy	0.7	-10.6%	-59.8%
OS	OneStream	3.5	-10.4%	-35.0%
ARE	Alexandria Real Estate Equities	8.2	-10.1%	-47.9%
THO	Thor Industries	5.3	-9.5%	6.6%

1 Week Top Gainers

Ticker	Company	Mkt Cap (B)	1W Rtn	YTD Rtn
HPP	Hudson Pacific Properties	6.3	641.5%	-34.3%
TLRY	Tilray Brands	7.5	618.1%	-46.9%
TMC	TMC The Metals	2.8	42.2%	589.3%
VERA	Vera Therapeutics	2.6	40.2%	-2.4%
ARWR	Arrowhead Pharmaceuticals	9.0	39.1%	246.1%
TE	T1 Energy	0.7	37.4%
MPLT	MapLight Therapeutics	0.7	32.1%
AEVA	Aeva Technologies	0.8	31.1%	188.2%
AMKR	Amkor Technology	10.9	30.2%	73.4%
DC	Dakota Gold	0.6	30.2%	150.9%

1 Week Top Losers

Ticker	Company	Mkt Cap (B)	1W Rtn	YTD Rtn
JANX	Janux Therapeutics	1.1	-50.7%	-68.0%
VTYX	Ventyx Biosciences	0.6	-25.0%	258.0%
CTEV	Claritev	0.7	-23.5%
AMBA	Ambarella	3.0	-22.9%	-3.6%
FULC	Fulcrum Therapeutics	0.6	-21.5%	92.8%
PD	PagerDuty	1.1	-20.5%	-33.9%
NTNX	Nutanix	12.7	-19.3%	-22.4%
CNK	Cinemark	2.6	-18.0%	-25.2%
PSTG	Pure Storage	22.6	-17.2%	12.1%
ZS	Zscaler	38.1	-15.9%	35.1%

1 Month Top Gainers

Ticker	Company	Mkt Cap (B)	1M Rtn	YTD Rtn
OLMA	Olema Pharmaceuticals	2.3	223.6%	367.4%
COGT	Cogent Biosciences	5.4	152.6%	402.1%
CDTX	Cidara Therapeutics	5.9	115.1%	722.1%
IRWD	Ironwood Pharmaceuticals	0.6	100.5%	-15.8%
TERN	Terns Pharmaceuticals	2.5	95.9%	396.2%
FRGE	Forge Global	0.6	90.3%	217.8%
SGML	Sigma Lithium	1.1	87.3%	-10.6%
INSP	Inspire Medical Systems	4.0	82.8%	-27.3%
NPCE	NeuroPace	0.6	77.2%	48.9%
ALMS	Alumis	0.6	71.9%	-0.3%

1 Month Top Losers

Ticker	Company	Mkt Cap (B)	1M Rtn	YTD Rtn
UP	Wheels Up Experience	0.4	-52.7%	-62.4%
CCOI	Cogent Communications	0.9	-51.9%	-72.9%
SMR	NuScale Power	3.0	-50.7%	12.3%
FRMI	Fermi	10.3	-47.5%
AMSC	American Superconductor	1.4	-47.2%	30.1%
TLRY	Tilray Brands	7.5	-46.1%	-46.9%
BTDR	Bitdeer Technologies	2.4	-44.8%	-41.8%
EXOD	Exodus Movement	0.4	-43.1%	-53.3%
STUB	Stubhub	3.5	-39.8%
METC	Ramaco Resources	1.0	-39.4%	66.9%

Recent Active Movers

1 Day Top Gainers

Ticker	Company	Mkt Cap (B)	1D Rtn	YTD Rtn
MPLT	MapLight Therapeutics	0.7	31.3%
AEVA	Aeva Technologies	0.8	25.7%	188.2%
DC	Dakota Gold	0.6	19.7%	150.9%
SERV	Serve Robotics	0.7	18.2%	-12.6%
ACDC	ProFrac	0.7	17.6%	-45.0%
HY	Hyster Yale	0.6	15.6%	-29.9%
AEO	American Eagle Outfitters	4.1	15.1%	49.7%
BEAM	Beam Therapeutics	2.7	14.4%	7.8%
GOSS	Gossamer Bio	0.8	14.4%	278.1%
FTRE	Fortrea	1.3	14.4%	-21.8%

1 Day Top Losers

Ticker	Company	Mkt Cap (B)	1D Rtn	YTD Rtn
PSTG	Pure Storage	22.6	-27.3%	12.1%
GTLB	GitLab	6.3	-12.8%	-32.9%
CTEV	Claritev	0.7	-11.3%
FBYD	Falcons Beyond Global	0.7	-11.2%	131.2%
ACHC	Acadia Healthcare	1.3	-10.9%	-63.0%
ULS	UL Solutions	16.0	-10.7%	60.4%
HPK	HighPeak Energy	0.7	-10.6%	-59.8%
OS	OneStream	3.5	-10.4%	-35.0%
ARE	Alexandria Real Estate Equities	8.2	-10.1%	-47.9%
THO	Thor Industries	5.3	-9.5%	6.6%

1 Week Top Gainers

Ticker	Company	Mkt Cap (B)	1W Rtn	YTD Rtn
HPP	Hudson Pacific Properties	6.3	641.5%	-34.3%
TLRY	Tilray Brands	7.5	618.1%	-46.9%
TMC	TMC The Metals	2.8	42.2%	589.3%
VERA	Vera Therapeutics	2.6	40.2%	-2.4%
ARWR	Arrowhead Pharmaceuticals	9.0	39.1%	246.1%
TE	T1 Energy	0.7	37.4%
MPLT	MapLight Therapeutics	0.7	32.1%
AEVA	Aeva Technologies	0.8	31.1%	188.2%
AMKR	Amkor Technology	10.9	30.2%	73.4%
DC	Dakota Gold	0.6	30.2%	150.9%

1 Week Top Losers

Ticker	Company	Mkt Cap (B)	1W Rtn	YTD Rtn
JANX	Janux Therapeutics	1.1	-50.7%	-68.0%
VTYX	Ventyx Biosciences	0.6	-25.0%	258.0%
CTEV	Claritev	0.7	-23.5%
AMBA	Ambarella	3.0	-22.9%	-3.6%
FULC	Fulcrum Therapeutics	0.6	-21.5%	92.8%
PD	PagerDuty	1.1	-20.5%	-33.9%
NTNX	Nutanix	12.7	-19.3%	-22.4%
CNK	Cinemark	2.6	-18.0%	-25.2%
PSTG	Pure Storage	22.6	-17.2%	12.1%
ZS	Zscaler	38.1	-15.9%	35.1%

Peer Comparisons for PayPal

Peers to compare with:

Financials

	PYPL	GOOGL	AMZN	SHOP	INTU	MA	Median
Name	PayPal	Alphabet	Amazon.c.	Shopify	Intuit	Masterca.
Mkt Price	-	-	-	-	-	-	-
Mkt Cap	-	-	-	-	-	-	-
Rev LTM	-	-	-	-	-	-	-
Op Inc LTM	-	-	-	-	-	-	-
FCF LTM	-	-	-	-	-	-	-
FCF 3Y Avg	-	-	-	-	-	-	-
CFO LTM	-	-	-	-	-	-	-
CFO 3Y Avg	-	-	-	-	-	-	-

Growth & Margins

	PYPL	GOOGL	AMZN	SHOP	INTU	MA	Median
Name	PayPal	Alphabet	Amazon.c.	Shopify	Intuit	Masterca.
Rev Chg LTM	-	-	-	-	-	-	-
Rev Chg 3Y Avg	-	-	-	-	-	-	-
Rev Chg Q	-	-	-	-	-	-	-
QoQ Delta Rev Chg LTM	-	-	-	-	-	-	-
Op Mgn LTM	-	-	-	-	-	-	-
Op Mgn 3Y Avg	-	-	-	-	-	-	-
QoQ Delta Op Mgn LTM	-	-	-	-	-	-	-
CFO/Rev LTM	-	-	-	-	-	-	-
CFO/Rev 3Y Avg	-	-	-	-	-	-	-
FCF/Rev LTM	-	-	-	-	-	-	-
FCF/Rev 3Y Avg	-	-	-	-	-	-	-

Valuation

	PYPL	GOOGL	AMZN	SHOP	INTU	MA	Median
Name	PayPal	Alphabet	Amazon.c.	Shopify	Intuit	Masterca.
Mkt Cap	-	-	-	-	-	-	-
P/S	-	-	-	-	-	-	-
P/EBIT	-	-	-	-	-	-	-
P/E	-	-	-	-	-	-	-
P/CFO	-	-	-	-	-	-	-
Total Yield	-	-	-	-	-	-	-
Dividend Yield	-	-	-	-	-	-	-
FCF Yield 3Y Avg	-	-	-	-	-	-	-
D/E	-	-	-	-	-	-	-
Net D/E	-	-	-	-	-	-	-

Returns

	PYPL	GOOGL	AMZN	SHOP	INTU	MA	Median
Name	PayPal	Alphabet	Amazon.c.	Shopify	Intuit	Masterca.
1M Rtn	-	-	-	-	-	-	-
3M Rtn	-	-	-	-	-	-	-
6M Rtn	-	-	-	-	-	-	-
12M Rtn	-	-	-	-	-	-	-
3Y Rtn	-	-	-	-	-	-	-
1M Excs Rtn	-	-	-	-	-	-	-
3M Excs Rtn	-	-	-	-	-	-	-
6M Excs Rtn	-	-	-	-	-	-	-
12M Excs Rtn	-	-	-	-	-	-	-
3Y Excs Rtn	-	-	-	-	-	-	-

Comparison Analyses

	Title
0	PayPal vs. Amazon.com: Both Seem Similar Bets
1	PayPal vs. Block: With Return Forecast Of 28%, Block Is A Better Bet
2	PayPal vs. Intuit: With Return Forecast Of 44%, Intuit Is A Better Bet
3	PayPal vs. Texas Instruments: With Return Forecast Of 20%, PayPal Is A Better Bet
4	PayPal vs. Abbott Laboratories: With Return Forecast Of 20%, PayPal Is A Better Bet
5	PayPal vs. Booking: With Return Forecast Of 50%, Booking Is A Better Bet
6	PayPal vs. Linde: With Return Forecast Of 20%, PayPal Is A Better Bet
7	PayPal vs. Applied Materials: Both Seem Similar Bets
8	PayPal vs. Visa: With Return Forecast Of 34%, Visa Is A Better Bet
9	PayPal vs. Sherwin-Williams: With Return Forecast Of 20%, PayPal Is A Better Bet

Financials

Annual
Quarterly

$ Mil \| FY: 12/31	LTM	2024	2023	2022	2021	2020	2019
Period End	9/30/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019
Filing Date	10/28/2025	2/4/2025	2/8/2024	2/10/2023	2/3/2022	2/5/2021	2/6/2020
Key Financials
Total Revenue	32,862	31,797	29,771	27,518	25,371	21,454	17,772
EBITDA	7,480	6,743	6,830	4,987	5,596	6,463	4,025
Operating Income	6,296	5,763	4,944	4,044	4,324	3,428	2,790
Net Income	4,917	4,147	4,246	2,419	4,169	4,202	2,459
EPS	5.04	4.03	3.85	2.10	3.55	3.58	2.09
Growth Rates
Total Revenue Growth	4.5%	6.8%	8.2%	8.5%	18.3%	20.7%	15.0%
EBITDA Growth	4.9%	-1.3%	37.0%	-10.9%	-13.4%	60.6%	24.7%
Operating Income Growth	10.7%	16.6%	22.3%	-6.5%	26.1%	22.9%	11.5%
Net Income Growth	11.0%	-2.3%	75.5%	-42.0%	-0.8%	70.9%	19.5%
Margins
EBITDA Margin	22.8%	21.2%	22.9%	18.1%	22.1%	30.1%	22.6%
Operating Income Margin	19.2%	18.1%	16.6%	14.7%	17.0%	16.0%	15.7%
Net Income Margin	15.0%	13.0%	14.3%	8.8%	16.4%	19.6%	13.8%
Cash & Debt
Total Cash	10,755	10,822	14,057	10,851	9,391	13,083	10,761
Total Debt	11,276	9,879	9,676	10,417	8,049	8,939	4,965
Net Debt / (Cash)	521	-943	-4,381	-434	-1,342	-4,144	-5,796
Cash Flows
Net Cash from Operations	6,426	7,450	4,843	5,813	5,797	6,219	4,071
Free Cash from Operations	5,565	6,767	4,220	5,107	4,889	5,353	3,367
Returns to Shareholders
Dividends	0	-0	-0	-0	-0	-0	-0
Share Repurchases	5,820	6,047	5,002	4,199	3,373	1,635	1,411

$ Mil \| FY: 12/31	2025Q3	2025Q2	2025Q1	2024Q4	2024Q3	2024Q2	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4
Period End	9/30/2025	6/30/2025	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022
Filing Date	10/28/2025	7/29/2025	4/29/2025	2/4/2025	10/29/2024	7/30/2024	4/30/2024	2/8/2024	11/2/2023	8/3/2023	5/9/2023	2/10/2023
Key Financials Quarterly
Total Revenue	8,417	8,288	7,791	8,366	7,847	7,885	7,699	8,026	7,418	7,287	7,040	7,383
Ebitda	1,891	1,882	1,951	1,756	1,672	1,755	1,560	2,143	1,597	1,659	1,431	1,525
Operating Income	1,589	1,620	1,596	1,491	1,454	1,438	1,380	1,417	1,207	1,157	1,163	1,269
Net Income	1,248	1,261	1,287	1,121	1,010	1,128	888	1,402	1,020	1,029	795	921
EPS	1.31	1.30	1.31	1.12	1.00	1.08	0.83	1.29	0.93	0.93	0.70	0.81
Key Financials TTM
Total Revenue TTM	32,862	32,292	31,889	31,797	31,457	31,028	30,430	29,771	29,128	28,556	28,075	27,518
Ebitda TTM	7,480	7,261	7,134	6,743	7,130	7,055	6,959	6,830	6,212	6,610	5,402	4,987
Operating Income TTM	6,296	6,161	5,979	5,763	5,689	5,442	5,161	4,944	4,796	4,763	4,460	4,044
Net Income TTM	4,917	4,679	4,546	4,147	4,428	4,438	4,339	4,246	3,765	4,075	2,705	2,419
Growth Rates Quarterly
Total Revenue Growth	7.3%	5.1%	1.2%	4.2%	5.8%	8.2%	9.4%	8.7%	8.4%	7.1%	8.6%	6.7%
EBITDA Growth	13.1%	7.2%	25.1%	-18.1%	4.7%	5.8%	9.0%	40.5%	-19.9%	267.8%	40.8%	39.8%
Operating Income Growth	9.3%	12.7%	15.7%	5.2%	20.5%	24.3%	18.7%	11.7%	2.8%	35.5%	55.7%	20.6%
Net Income Growth	23.6%	11.8%	44.9%	-20.0%	-1.0%	9.6%	11.7%	52.2%	-23.3%	401.8%	56.2%	15.0%
Margins Quarterly
EBITDA Margin	22.5%	22.7%	25.0%	21.0%	21.3%	22.3%	20.3%	26.7%	21.5%	22.8%	20.3%	20.7%
Operating Income Margin	18.9%	19.5%	20.5%	17.8%	18.5%	18.2%	17.9%	17.7%	16.3%	15.9%	16.5%	17.2%
Net Income Margin	14.8%	15.2%	16.5%	13.4%	12.9%	14.3%	11.5%	17.5%	13.8%	14.1%	11.3%	12.5%
Cash & Debt
Total Cash	10,755	10,008	11,211	10,822	11,918	13,613	14,315	14,057	11,541	9,891	10,647	10,851
Total Debt	11,276	11,296	11,417	9,879	9,976	9,727	9,683	9,676	10,640	10,549	10,481	10,417
Net Debt / (Cash)	521	1,288	206	-943	-1,942	-3,886	-4,632	-4,381	-901	658	-166	-434
Cash Flows Quarterly
FCF from Operations	1,974	898	1,160	2,394	1,614	1,525	1,917	2,614	1,259	-200	1,170	1,591
Cash Flows TTM
FCF from Operations TTM	6,426	6,066	6,693	7,450	7,670	7,315	5,590	4,843	3,820	4,316	5,766	5,813
Returns to Shareholders Quarterly
Dividends	0	0	0	0	0	0	0	0	0	0	0	0
Share Repurchases	1,500	1,551	1,500	1,269	1,776	1,501	1,501	607	1,434	1,529	1,432	1,010
Return on Invested Capital (ROIC) Quarterly
ROIC	993.2%	414.9%	2488.1%	-	-	-	-	-	-	555.4%	-	-
Return on Invested Capital (ROIC) TTM
ROIC TTM	978.1%	382.4%	2305.5%	-	-	-	-	-	-	582.4%	-	-

Segment Financials

Revenue by Segment

$ Mil	2024	2023	2022	2021	2020
Single Segment	29,771
Revenues from other value added services		2,312	1,969	1,536	1,673
Transaction revenues		25,206	23,402	19,918	16,099
Total	29,771	27,518	25,371	21,454	17,772

Price Behavior

Price Behavior

Market Price	$61.24
Market Cap ($ Bil)	58.2
First Trading Date	07/20/2015
Distance from 52W High	-33.1%
	50 Days	200 Days
DMA Price	$66.80	$68.87
DMA Trend	down	down
Distance from DMA	-8.3%	-11.1%
	3M	1YR
Volatility	37.6%	38.8%
Downside Capture	193.65	160.12
Upside Capture	81.00	107.32
Correlation (SPY)	53.5%	64.4%

PYPL Betas & Captures as of 11/30/2025

	1M	2M	3M	6M	1Y	3Y
Beta	1.62	1.80	1.65	1.79	1.26	1.29
Up Beta	0.33	0.07	0.46	0.79	1.07	1.19
Down Beta	-0.26	2.66	2.76	2.31	1.39	1.30
Up Capture	146%	151%	89%	143%	112%	158%
Bmk +ve Days	12	25	38	73	141	426
Stock +ve Days	7	20	28	65	124	395
Down Capture	254%	210%	184%	211%	130%	108%
Bmk -ve Days	7	16	24	52	107	323
Stock -ve Days	12	21	34	60	124	355

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively

1Y 5Y 10Y

Based On 1-Year Data

		Comparison of PYPL With Other Asset Classes (Last 1Y)
	PYPL	Sector ETF	Equity	Gold	Commodities	Real Estate	Bitcoin
Annualized Return	-29.1%	5.7%	15.3%	58.9%	4.6%	-5.8%	-3.1%
Annualized Volatility	38.6%	19.2%	19.7%	19.4%	15.9%	17.8%	35.7%
Sharpe Ratio	-0.80	0.16	0.60	2.26	0.09	-0.48	0.04
Correlation With Other Assets		63.7%	64.2%	-1.0%	12.4%	42.3%	43.6%

ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
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Based On 5-Year Data

		Comparison of PYPL With Other Asset Classes (Last 5Y)
	PYPL	Sector ETF	Equity	Gold	Commodities	Real Estate	Bitcoin
Annualized Return	-21.5%	15.3%	15.0%	17.9%	11.9%	4.9%	37.1%
Annualized Volatility	41.8%	18.9%	17.1%	15.5%	18.9%	19.0%	49.1%
Sharpe Ratio	-0.44	0.67	0.71	0.93	0.52	0.17	0.64
Correlation With Other Assets		48.6%	59.5%	5.0%	8.2%	42.7%	32.2%

Based On 10-Year Data

		Comparison of PYPL With Other Asset Classes (Last 10Y)
	PYPL	Sector ETF	Equity	Gold	Commodities	Real Estate	Bitcoin
Annualized Return	5.7%	12.5%	14.5%	14.2%	5.6%	5.4%	76.3%
Annualized Volatility	38.2%	22.4%	18.0%	14.8%	17.7%	20.9%	55.9%
Sharpe Ratio	0.27	0.52	0.69	0.79	0.25	0.23	0.95
Correlation With Other Assets		47.5%	63.1%	5.1%	16.4%	43.5%	24.4%

Short Interest

Short Interest: As Of Date	11142025
Short Interest: Shares Quantity	43,151,018
Short Interest: % Change Since 10312025	-2.8%
Average Daily Volume	13,871,743
Days-to-Cover Short Interest	3.11
Basic Shares Quantity	950,000,000
Short % of Basic Shares	4.5%

Returns Analyses

	Title
0	Is PayPal Stock Built to Withstand More Downside?
1	PYPL YTD Stock Return Of -54% Outperforms AMZN by 43% and Underperforms GOOG by -35%
2	PayPal Stock Return Comparison
3	PayPal Total Shareholder Return (TSR): -62.2% in 2022 and -13.0% 3-yr returns (below peer average)
4	[9/28/2021] PayPal Holdings (PYPL) Stock Price Forecast: AI Forecasts PYPL Stock Price To Be Around $274 In A Month (Up 4.7%)

SEC Filings

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Report Date	Filing Date	Filing
9302025	10282025	10-Q 9/30/2025
6302025	7292025	10-Q 6/30/2025
3312025	4292025	10-Q 3/31/2025
12312024	2042025	10-K 12/31/2024
9302024	10292024	10-Q 9/30/2024
6302024	7302024	10-Q 6/30/2024
3312024	4302024	10-Q 3/31/2024
12312023	2082024	10-K 12/31/2023
9302023	11022023	10-Q 9/30/2023
6302023	8032023	10-Q 6/30/2023
3312023	5092023	10-Q 3/31/2023
12312022	2102023	10-K 12/31/2022
9302022	11042022	10-Q 9/30/2022
6302022	8032022	10-Q 6/30/2022
3312022	4282022	10-Q 3/31/2022
12312021	2032022	10-K 12/31/2021

Insider Activity

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	Owner	Title	Filing Date	Action	Price	Shares	Transacted Value	Value of Held Shares	Form
0	Kereere Suzan	President, Global Markets	11202025	Sell	59.80	3,962	236,943	1,864,865	Form
1	Webster Aaron	EVP, Global Chief Risk Officer	11122025	Sell	66.29	7,198	477,155	2,504,635	Form
2	Kereere Suzan	President, Global Markets	11042025	Sell	68.85	10,000	688,535	2,305,422	Form

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0	Y Finance	Barrons
1	TradingView	Morningstar
2	SeekingAlpha	ValueLine
3	Motley Fool	Robinhood
4	CNBC	Etrade
5	MarketWatch	Unusual Whales
6	YCharts	Perplexity Finance
7	FinViz

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PayPal (PYPL)

Market Price (12/4/2025): $61.75 | Market Cap: $58.7 BilSector: Financials | Industry: Transaction & Payment Processing Services

PayPal (PYPL)

Market Price (12/4/2025): $61.11Market Cap: $58.1 BilSector: FinancialsIndustry: Transaction & Payment Processing Services

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Market Price (12/4/2025): $61.75 | Market Cap: $58.7 Bil
Sector: Financials | Industry: Transaction & Payment Processing Services

Market Price (12/4/2025): $61.11
Market Cap: $58.1 Bil
Sector: Financials
Industry: Transaction & Payment Processing Services