PYPL · PayPal Holdings, Inc.
$53.66
-7.82 (-12.71%)
At close · Aug 28
Market Cap
$47.96B
Shares
882.11M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$61.47
Open$61.98
Day$61.37–62.31
52W close$39.08–76.13
Avg vol 30d12.1M
Short int33.7M · 3.8% float · 3.6d
Short vol48%
Last earningsJul 28, 2026
DataJan 2020–Aug 2026
Filing10-Q · Jul 28
Up next
Next earnings call
Oct 27, 2026
Est · unconfirmed
· in 9 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
Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Excellent
Quant / Vol
High
Market backdrop
VIX 14.5 · calm
Equity put/call 0.39
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+20%
above
Price vs 50-day avg
+15%
above
RSI (14)
66
neutral
MACD trend
Negative
52-week position
60%
mid-range
Momentum
relative strength
1-month return
+7%
trailing
6-month return
+31%
trailing
YTD return
+5%
this year
Relative strength
+16%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $54 › 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
3.82% of float · ▼ -15.6% MoM · 3.6 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr low
1,390 holders — near 3-yr low, contrarian setup
Squeeze score
60
elevated · 0–100
Fundamentals
Revenue growth
+4%
Y/Y
EPS growth
+36%
Y/Y
Free cash flow
$5.6B
Valuation
P/E 10.2
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
2.3%
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 Oct 28, 2025
GAAP EPS
· 4Q'25
$1.23 – $1.27
Guided vs delivered
· last 3 settled
GAAP EPS
1Q'25
guided $1.11 – $1.13
$1.29
Beat +15.2%
Revenue
the third quarter
guided $7.4B
$7.42B
Beat +0.2%
Revenue
first quarter
guided $6.97B
$7.04B
Beat +1.0%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+20%
Bullish
Price vs 50-day avg
+15%
Bullish
RSI (14)
66
Neutral
MACD trend
Negative
Bearish
52-week position
60%
Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $54 › 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
3.82% of float · ▼ -15.6% MoM · 3.6 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr low
1,390 holders — near 3-yr low, contrarian setup
Price context
position in its 52-week range
Range low $39
Now $61 · 60%
Range high $76
vs 200-day avg +20%
vs 50-day avg +15%
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 | — |
|
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| Adjusted free cash flow non-GAAP | 1.8B | 2Q'26 | — |
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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
|
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| Free cash flow non-GAAP | 1.8B | 2Q'26 | — |
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GAAP → non-GAAP reconciliationGAAP Net cash provided by operating activities 1.98B
-208M Purchases of property and equipment
= Free cash flow 1.78B
|
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| Non-GAAP EPS non-GAAP | $1.38 | 2Q'26 | — |
|
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| Non-GAAP operating margin non-GAAP | 17.4% | 2Q'26 | — |
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| Payment transactions | 6.8B | 2Q'26 | — |
|
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| Payment transactions per active account | 60 | 2Q'26 | — |
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| Total payment volume | 486.4B | 2Q'26 | — |
|
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| Transaction and Credit Loss Rate | 0.08% | Three Months Ended June 30, 2026 | — |
|
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| Transaction Expense Rate | 0.9% | Three Months Ended June 30, 2026 | — |
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| Transaction Margin non-GAAP | 44.9% | Three Months Ended June 30, 2026 | — |
|
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| Transaction margin dollars non-GAAP | $3.9B | Q2 2026 | — |
|
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| Transaction margin dollars ex-interest on customer balances non-GAAP | $3.62B | Q2 2026 | — |
|
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GAAP → non-GAAP reconciliationGAAP Transaction margin dollars 3.9B
-281M Interest on customer balances
= Transaction margin dollars ex-interest on customer balances 3.62B
|
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| Non-GAAP operating income non-GAAP | 1.5B | 1Q'26 | — |
| 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.
|
$47.96B | +5.3% | +4.3% | 10.2 | 3.8% |
|
V
Visa Inc.
|
$680.94B | +8.3% | -4.9% | — | 1.2% |
|
MA
Mastercard Inc
|
$518.36B | +3.7% | +16.4% | 32.6 | 0.8% |
|
AXP
American Express Co
|
$227.01B | -9.7% | +13.4% | 20.4 | 1.6% |
|
COF
Capital One Financial Corp
|
$134.81B | -10.6% | +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 | -1.3% | +6.6% | +30.9% | +7.5% | +5.3% |
| SPY | +1.1% | +4.0% | +14.7% | +3.2% | +13.1% |
| vs SPY | -2.4% | +2.7% | +16.2% | +4.2% | -7.8% |
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)
0.68%
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.