PYPL Stock Analysis: Buy, Sell, or Hold?
PYPL - PayPal Holdings, Inc. Common Stock
$52.69
-0.42 (-0.79%)
▼
HOLD
LOW Confidence
Last Updated: January 30, 2026
Earnings: Feb 03, 2026
3d
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13 traders called PYPL this week
80% bullish • 3 bearish
80% bullish • 3 bearish
Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: PYPL shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: PYPL shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$76.64
Based on 5.5% avg growth
INTRINSIC VALUE TODAY
$47.59
Trading above fair value
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 10.2x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: PYPL is currently trading at $52.69, which is considered oversold relative to its 30-day fair value range of $55.39 to $59.38. The stock's valuation (Forward PE: 9.3) is in line with its historical norms (10.2). Remarkably, the market is currently pricing in an annual earnings decline of 3.2% over the next few years. This pessimistic expectation contrasts with the company's recent 31.3% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, PYPL is in a strong downtrend. The price is currently testing key support at $52.31. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $70.69 (+33.1%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, PYPL is in a strong downtrend. The price is currently testing key support at $52.31. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $70.69 (+33.1%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
OVERSOLD
Fair Price Range
$55.39 -
$59.38
Company Quality Score
50/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
79.5%
Protect Your Profits
Holding PYPL? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 33.1% below Wall St target ($70.69)
- CAUTION: Recommendation downgraded due to -6.9% 5-day decline
Fair Price Analysis
30-Day Fair Range
$55.39 -
$59.38
Current vs Fair Value
OVERSOLD
Support & Resistance Levels
Support Level
$52.31
Resistance Level
$57.55
Current Trend
Strong Downtrend
Fundamental Context
Forward P/E (Next Year Est.)
9.26
Wall Street Target
$70.69
(+33.1%)
Revenue Growth (YoY)
7.3%
Earnings Growth (YoY)
31.3%
Profit Margin
15.0%
Valuation Discount vs History
-3.2% cheaper
PE vs Historical
9.3 vs 10.2
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-3.2%
(market-implied from PE analysis)
1-Year Target
$51.41
(-3%)
2-Year Target
$49.77
(-6%)
3-Year Target
$48.17
(-9%)
3-Yr Target (if PE normalizes)
(PE: 9→10)
$53.08
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 7.1%)
$157.21
(+196%)
Base:
(SPY PE: 9.3, Growth: 7.1%)
$65.27
(+23%)
Bear:
(PE: 7.9, Growth: 7.1%)
$55.48
(+5%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (11x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 11.15 | Current EPS (TTM): $4.98
Bull Case
$70.45
(+33%)
Analyst growth 15.4%, PE expands to 12.3
Base Case
$64.05
(+21%)
Market implied 15.4%, PE stable at 11.2
Bear Case
$37.75
(-29%)
Severe decline -20.0%, PE contracts to 9.5
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 9.3 to 10.2
Stabilization Target:
$58.52
(+10.2%)
PE Expansion Potential:
+10.2%
Last updated: January 30, 2026 4:11 PM ET
Data refreshes hourly during market hours. Next update: 5:11 PM
Data refreshes hourly during market hours. Next update: 5:11 PM
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Technical Signals Check
Is PYPL showing a specific setup today?
Insider Activity (6 Months)
2
Buys
4
Sells
Net
INSIDERS SELLING
Recent Transactions
Ro Khanna
BUY
2025-09-29
Val T. Hoyle
SELL
2025-09-23
Lisa C. McClain
SELL
2025-09-11
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Advanced PYPL Option Strategies
Professional options setups generated by AI based on today's PYPL price and gamma walls.
