PayPal Holdings, Inc.
PYPL · NASDAQ
Company research
PayPal Holdings, Inc. (NASDAQ: PYPL) is a leading global financial technology company founded in 1998 and headquartered in San Jose, California, that operates a two-sided digital payments platform connecting merchants and consumers across approximately 200 markets worldwide. The company offers a comprehensive suite of payment solutions under well-known brands including PayPal, Venmo, Braintree, Xoom, Zettle, Hyperwallet, Honey, and Paidy, enabling transactions in approximately 100 currencies and supporting fund withdrawals in 56 currencies. With over 426 million active accounts, PayPal generates revenue primarily through transaction fees charged to merchants, as well as currency conversion fees, interest on consumer credit products, buy-now-pay-later installment offerings, and cryptocurrency transaction services. Led by CEO Enrique Lores since March 2026, the company reported net revenues of approximately $29.7 billion for fiscal year 2023, cementing its position as one of the world's largest digital payments processors.
Research reports
CDTNews · February 23, 2026PayPal Stock in 2026: A Deep Look at the Bull and Bear Case
Long-form article that dissects PayPal’s Q4 2025 and FY 2025 results, the softer 2026 earnings guidance, and the February 2026 CEO change from Alex Chriss to Enrique Lores, framing the shares as a “show me” story where sentiment hinges on execution rather than survival risk. It lays out both bull and bear cases around valuation versus cash flow, slowing active account and transaction metrics, branded checkout weakness, and intensifying competition from Apple, Google, and other fintechs, concluding that future rerating depends on improving branded checkout, restoring engagement, and rebuilding guidance credibility while managing regulatory and strategic risks.
ValuationBot · October 28, 2025PYPL PayPal Holdings, Inc. – Valuation ReportMachine‑generated but professionally structured valuation report that rates PYPL as a Hold at a contemporaneous price of 70.25 USD, with an intrinsic value estimate of 66.27 USD (implying about 6% downside) based on a detailed 10‑year DCF, mid‑single‑digit revenue growth, and a 16.0% long‑run net margin. The thesis is that PayPal is a mature, scaled payments platform where the market is slightly overestimating sustainable growth and margins; upside and downside scenarios center on faster or slower monetization of Venmo and PayPal Open, cost‑out execution, buybacks, and structural pressures from take‑rate compression, funding and credit costs, and regulatory constraints on profitability.
AP Capital Research · October 20, 2025PayPal Holdings, Inc. – Equity Research ReportUniversity of Surrey–affiliated student group report (AP Capital Research) that presents a full CFA‑style equity research on PYPL, highlighting its role as a global fintech leader with strong cash flows, a large user base, and exposure to secular digital payments growth, and backing a long‑term BUY decision for an actual student‑managed fund allocation. Using a DCF with GDP‑level terminal growth and a 1.45 beta, the authors derive a 106.63 USD target price by October 2029 (about 57.85% upside from 67.55 USD as of 2025‑10‑17), while flagging key risks around competitive pressure from Apple Pay and Stripe, regulatory and margin pressure, macro headwinds, and execution on AI and technology transformation, but arguing that leadership changes, cost savings, and product innovation support a favorable long‑term risk‑reward.