PYPL · NASDAQ · STOCK
PayPal Holdings (PYPL) Stock Analysis
$61.56
52W $38.46 – $79.22
56/100
$52.65B
11.5
1.30
Is PYPL Bullish or Bearish?
Mixed.
Innellis AI committee rates PayPal Holdings (PYPL) Watch with a composite score of 56/100
, based on 5 analysts with 40% agreement.
Last updated August 23, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +3.76 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -16.24 from today. The band boundary is 45.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Value Analyst sees a compelling case — p/e of 10.4 is inexpensive for the broad market. Growth Analyst remains cautious — growth rate is decelerating quarter over quarter -- the trend line matters more than the level. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 10.4 is inexpensive for the broad market — Value
- ROE of 24.4% shows genuine earnings power backing the valuation — Value
- Price structure making higher highs and higher lows — Technical
Bear Case
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- MACD histogram negative -- bearish momentum — Technical
- Price structure (LH_LL) contradicts the uptrend -- mixed signals — Technical
- Daily trend (uptrend) conflicts with the weekly trend (downtrend) -- fighting the larger trend — Technical
- Weekly RSI at 83 -- overbought on the larger timeframe too — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of August 23, 2026
Overall Committee Score
56/100
Agreement
40%
Analysts
5
Conviction
Contested
Sector Rank
Top 75%
of 211 Financial Services peers
Value Analyst
bullish
70
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 10.4 is inexpensive for the broad market
Growth Analyst
bearish
38
/ 100 · Moderate confidence
Growth story is weak, decelerating, or inconsistent
− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level
Technical Analyst
neutral
49
/ 100 · High confidence
Mixed or range-bound price action
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
neutral
60
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 3069.37)
Investment Thesis Evolution
Committee score moved marginally from 56.2 to 56.2.
Comparing 2026-08-22 to 2026-08-23 (1 day apart).
Technical Analysis
RSI (14)
65.9
Neutral
MACD Histogram
-0.180
Bearish Momentum
Trend Direction
Uptrend
Weekly: Downtrend
Market Structure
Lh Ll
Support
$58.01
Resistance
$79.20
Bollinger %B
0.84
Inside Bands
Price vs Moving Averages
EMA 9
$60.76
Above
EMA 21
$58.71
Above
EMA 50
$54.36
Above
EMA 200
$53.43
Above
Fundamental Analysis
Valuation
93
Growth
56
Profitability
75
Financial Health
65
Cash Flow
70
Valuation
P/E Ratio
11.5×
P/B Ratio
2.78×
PEG Ratio
0.91
Dividend Yield
0.68%
52W High
$79.22
52W Low
$38.46
Quality & Growth
ROE
2583.4%
ROA
652.7%
Gross Margin
4575.4%
Operating Margin
1877.6%
Revenue Growth YoY
—
Debt / Equity
0.72
AI Fundamental Assessment
P/E ratio of 11.5 (inexpensive relative to a 15-40x range); Price-to-book of 2.8x; PEG ratio of 0.9 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 25.8%; Return on assets of 6.5%; Net margin of 14.4%; Gross margin of 45.8%; Current ratio of 1.29 (tight short-term liquidity); Debt-to-equity of 0.72; Free cash flow per share is positive (7.36); Most recent quarter beat estimates by 5.9%; 2 consecutive earnings beats; EPS growth decelerating (+8.9% -> +3.0% QoQ); Average YoY EPS growth of -1.4%; Analyst estimates flat over recent quarters
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