PYPL · PayPal Holdings, Inc.
$62.30
+1.05 (+1.71%)
At close · Aug 20
Market Cap
$54.44B
Shares
882.11M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$62.30
Open$61.10
Day$60.95–62.73
52W close$39.08–76.13
Avg vol 30d15.9M
Short int39.9M · 4.5% float · 2.3d
Short vol50%
Last earningsJul 28, 2026
DataJan 2020–Aug 2026
Filing10-Q · Jul 28
Up next
Next earnings call
Oct 27, 2026
Est · unconfirmed
· in 10 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Jul 28, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Neutral
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Excellent
Quant / Vol
High
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
Golden cross
Price vs 200-day avg
+21%
above
Price vs 50-day avg
+21%
above
RSI (14)
74
overbought
MACD trend
Negative
52-week position
63%
mid-range
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+11%
trailing
6-month return
+35%
trailing
YTD return
+7%
this year
Relative strength
+24%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
Golden cross
50d $52 › 200d $51 — 50d above 200d
Institutional flow
Distributing
-9% holders QoQ · +107 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
4.53% of float · ▼ -27.1% MoM · 2.3 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr low
1,389 holders — near 3-yr low, contrarian setup
Squeeze score
54
elevated · 0–100
Fundamentals
Revenue growth
+4%
Y/Y
EPS growth
+36%
Y/Y
Free cash flow
$5.6B
Valuation
P/E 11.6
below peers
Buyback
$10.9B
remaining
Balance sheet
$1.9B
net debt
Quant / Vol
risk profile
Volatility
42%
annualized · 1-yr
Max drawdown
−49%
past year
ATR
2.6%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Jul 28, 2026
full year 2026
Transaction margin dollars, excluding interest on customer balan
Initiated
$14.5B
Non-GAAP EPS
Non-GAAP
Initiated
$5.38
Share repurchases
Initiated
$6B
second half of 2026
Transformation-related charge
Initiated
$120M – $140M
next two to three years
Gross run rate cost savings
at least $1.5B
full year
Transaction margin dollars
Non-GAAP
$15.6B
Transaction margin dollars excluding interest on customer balanc
Non-GAAP
$14.5B
end of this year
New run rate gross savings
$400M
third quarter
Branded checkout growth
2%
Prior guidance
period ended
· from the 8-K filed May 5, 2026
Non-GAAP EPS
· 2Q'26
up to $-0.09
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
Golden cross
Bullish
Price vs 200-day avg
+21%
Bullish
Price vs 50-day avg
+21%
Bullish
RSI (14)
74
Bearish
MACD trend
Negative
Bearish
52-week position
63%
Neutral
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 2 of 6
Trend (MA cross)
Golden cross
50d $52 › 200d $51 — 50d above 200d
Institutional flow
Distributing
-9% holders QoQ · +107 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
4.53% of float · ▼ -27.1% MoM · 2.3 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr low
1,389 holders — near 3-yr low, contrarian setup
Price context
position in its 52-week range
Range low $39
Now $62 · 63%
Range high $76
vs 200-day avg +21%
vs 50-day avg +21%
50-day above 200-day golden cross
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Active accounts | 439M | 2Q'26 | — |
|
|
|||
| Adjusted free cash flow non-GAAP | 1.8B | 2Q'26 | — |
GAAP → non-GAAP reconciliationGAAP Free cash flow 1.78B
+57M Net timing impact between originating credit receivables as held for sale and the subsequent sale of receivables
= Adjusted free cash flow 1.83B
|
|||
| Free cash flow non-GAAP | 1.8B | 2Q'26 | — |
|
|
|||
GAAP → non-GAAP reconciliationGAAP Net cash provided by operating activities 1.98B
-208M Purchases of property and equipment
= Free cash flow 1.78B
|
|||
| Non-GAAP EPS non-GAAP | $1.38 | 2Q'26 | — |
|
|
|||
| Non-GAAP operating margin non-GAAP | 17.4% | 2Q'26 | — |
|
|
|||
| Number of payment transactions | 6.75B | Three Months Ended June 30, 2026 | — |
| Payment transactions | 6.8B | 2Q'26 | — |
|
|
|||
| Payment transactions per active account | 60 | 2Q'26 | — |
| Total payment volume | 486.4B | 2Q'26 | — |
| Transaction and Credit Loss Rate | 0.08% | Three Months Ended June 30, 2026 | — |
| Transaction Expense Rate | 0.9% | Three Months Ended June 30, 2026 | — |
| Transaction Margin non-GAAP | 44.9% | Three Months Ended June 30, 2026 | — |
| Transaction margin dollars non-GAAP | $3.9B | Q2 2026 | — |
| Transaction margin dollars ex-interest on customer balances non-GAAP | $3.62B | Q2 2026 | — |
GAAP → non-GAAP reconciliationGAAP Transaction margin dollars 3.9B
-281M Interest on customer balances
= Transaction margin dollars ex-interest on customer balances 3.62B
|
|||
| Payment transactions ex-PSP | 16.1B | FY'25 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Credit Services — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
PYPL
this stock
PayPal Holdings, Inc.
|
$54.44B | +6.7% | +4.3% | 11.6 | 4.5% |
|
V
Visa Inc.
|
$652.62B | +4.3% | -4.9% | — | 1.2% |
|
MA
Mastercard Inc
|
$502.58B | +0.5% | +16.4% | 31.6 | 1.0% |
|
AXP
American Express Co
|
$223.63B | -10.5% | +13.4% | 20.1 | 1.8% |
|
COF
Capital One Financial Corp
|
$138.96B | -12.3% | +36.6% | — | 1.7% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| PYPL | +2.8% | +11.3% | +34.8% | +8.9% | +6.7% |
| SPY | -2.0% | +3.3% | +11.2% | +2.1% | +11.8% |
| vs SPY | +4.8% | +7.9% | +23.7% | +6.8% | -5.1% |
Capital returns
Latest dividend
$0.14
/ share · ex Jun 4, 2026
Declared · upcoming
$0.14
/ share · ex Sep 4, 2026
Paid (TTM)
$0.42
/ share · 3 payouts
Dividend yield (TTM, derived)
0.67%
Buyback programs
· 2 active
· as of Jun 30, 2026
Authorized (total)
$30.00B
Spent (derived)
$19.10B
Remaining
$10.90B
Spent
Remaining
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.