PYPL · PayPal Holdings, Inc.
$52.63
+0.22 (+0.42%)
At close · Sep 21
Market Cap
$46.23B
Shares
882.11M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$52.41
Open$52.65
Day$52.25–52.87
52W close$39.08–76.13
Avg vol 30d12.0M
Short int33.4M · 3.8% float · 2.6d
Short vol40%
Last earningsJul 28, 2026
DataJan 2020–Sep 2026
Filing10-Q · Jul 28
Up next
Next earnings call
Oct 27, 2026
Est · unconfirmed
· in 5 wks
filed Jul 28, 2026
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
$33.73B
Trailing 12 months
Net income (TTM)
$5.06B
Trailing 12 months
Revenue growth YoY
+7.2%
Year over year
Operating margin
17.9%
Trailing 12 months
P / E (TTM)
9.8
Trailing earnings · reciprocal yield 10.2%
FCF yield
11.9%
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
—
Latest balance sheet
Dividend yield
1.1%
Trailing 12 months
Shares change YoY
-7.9%
Year over year · fewer shares
Price change (1Y)
-23.5%
Trailing year
Short interest
3.8%
Latest settlement · 2.6 days to cover
Equibles Rating
blended score · not investment adviceOverall
Neutral
SellHoldBuy
Technical
Neutral
Momentum
Weak
Sentiment
Neutral
Fundamentals
Excellent
Quant / Vol
High
Market backdrop
VIX 14.8 · calm
Equity put/call 0.58
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+3%
above
Price vs 50-day avg
−7%
below
RSI (14)
39
neutral
MACD trend
Negative
52-week position
36%
mid-range
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−16%
trailing
6-month return
+20%
trailing
YTD return
−10%
this year
Relative strength
0%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $57 › 200d $51 — 50d above 200d
Institutional flow
Distributing
-8% holders QoQ · +106 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
3.78% of float · ▼ -1.1% MoM · 2.6 days cover
Volume signal
Reversal watch
High volume on a down day — possible exhaustion
Institution breadth
Multi-yr low
1,399 holders — near 3-yr low, contrarian setup
Squeeze score
55
elevated · 0–100
Fundamentals
Revenue growth
+4%
Y/Y
EPS growth
+36%
Y/Y
Free cash flow
$5.6B
Valuation
P/E 9.8
below peers
Buyback
$10.9B
remaining
Quant / Vol
risk profile
Volatility
44%
annualized · 1-yr
Max drawdown
−49%
past year
ATR
3.1%
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
Non-GAAP
Initiated
$15.6B
Transaction margin dollars excluding interest on customer balanc
Non-GAAP
Initiated
$14.5B
Non-transaction operating expenses growth
Non-GAAP
Initiated
7% – 8%
Non-GAAP EPS
Non-GAAP
Initiated
$5.38
Adjusted free cash flow
Non-GAAP
Initiated
at least $6B
next two to three years
Gross run rate cost savings
at least $1.5B
by the end of this year (2026)
New run rate gross savings
$400M
second half of 2026
Transformation-related charge
Initiated
$120M – $140M
Prior guidance
period ended
· from the Earnings Call filed Nov 8, 2021
Revenue
· full-year 2021
$25.3B – $25.4B
Free cash flow
· full-year 2021
$5.2B
Non-GAAP EPS
· full-year 2021
$4.60
Revenue
· fourth quarter
$6.85B – $6.95B
Non-GAAP EPS
· fourth quarter
$1.12
Guided vs delivered
· last 4 settled
Revenue
full-year 2021
guided $25.3B – $25.4B
$25.37B
In line
Revenue
fourth quarter
guided $6.85B – $6.95B
$6.92B
In line
Revenue
third quarter
guided $6.15B – $6.25B
$6.18B
In line
Revenue
second quarter
guided $6.25B
$6.24B
Miss −0.2%
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
No cross
Neutral
Price vs 200-day avg
+3%
Bullish
Price vs 50-day avg
−7%
Bearish
RSI (14)
39
Neutral
MACD trend
Negative
Bearish
52-week position
36%
Neutral
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $57 › 200d $51 — 50d above 200d
Institutional flow
Distributing
-8% holders QoQ · +106 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
3.78% of float · ▼ -1.1% MoM · 2.6 days cover
Volume signal
Reversal watch
High volume on a down day — possible exhaustion
Institution breadth
Multi-yr low
1,399 holders — near 3-yr low, contrarian setup
Price context
position in its 52-week range
Range low $39
Now $52 · 36%
Range high $76
vs 200-day avg +3%
vs 50-day avg -7%
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 | Three Months Ended June 30, 2026 filing | — |
| Consumer net charge-off rate | 4.8% | the three months ended June 30, 2026 filing | — |
| Merchant net charge-off rate | 7.6% | the three months ended June 30, 2026 filing | — |
| Number of payment transactions | 6.75B | Three Months Ended June 30, 2026 filing | — |
| Percent of TPV generated outside of the U.S. | 35% | Three Months Ended June 30, 2026 filing | — |
| TPV | $486.45B | Three Months Ended June 30, 2026 filing | — |
| Transaction and credit loss rate | 0.08% | Three Months Ended June 30, 2026 filing | — |
| Transaction expense rate | 0.9% | Three Months Ended June 30, 2026 filing | — |
| Transaction loss rate | 0.07% | Three Months Ended June 30, 2026 filing | — |
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.
|
$46.23B | -10.2% | +4.3% | 9.8 | 3.8% |
|
V
Visa Inc.
|
$657.19B | +5.0% | -4.9% | — | 1.1% |
|
MA
Mastercard Inc
|
$495.16B | -1.0% | +16.4% | 31.1 | 0.9% |
|
AXP
American Express Co
|
$219.09B | -15.8% | +13.4% | 19.7 | 1.5% |
|
COF
Capital One Financial Corp
|
$126.84B | -16.5% | +36.6% | 12.4 | 1.8% |
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 | -2.4% | -15.9% | +20.2% | -0.5% | -10.2% |
| SPY | -0.3% | -0.1% | +20.1% | -0.7% | +11.7% |
| vs SPY | -2.1% | -15.8% | +0.1% | +0.2% | -21.9% |
Capital returns
Latest dividend
$0.14
/ share · ex Sep 4, 2026
Paid (TTM)
$0.56
/ share · 4 payouts
Dividend yield (TTM, derived)
1.07%
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.