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PayPal Holdings Inc. (NASDAQ: PYPL) is one of the world's largest digital payments platforms, processing over $1.5 trillion in total payment volume annually through its flagship PayPal, Venmo, and Braintree services, connecting hundreds of millions of consumer accounts with millions of merchant accounts across more than 200 markets worldwide. The company has been a pioneer in online payments since its founding during the original dot-com era and continues to evolve through checkout innovations, buy now pay later services, stablecoin issuance, and enhanced merchant commerce tools. As an investment, PayPal offers exposure to the secular shift toward digital payments at a significant valuation discount to its fintech peers, with improving profitability, aggressive share buybacks, and new product initiatives aimed at re-accelerating growth in a highly competitive payments landscape.

Fintech Stocks

PayPal is a foundational fintech stock and one of the world's most widely used digital payment platforms, with its massive two-sided network of consumers and merchants, the Venmo social payments app, and Braintree's unbranded checkout processing providing diversified exposure to the global digital payments ecosystem.

Payment Stocks

PayPal is one of the world's largest digital payment platforms, processing over $1.5 trillion annually and serving both consumers and merchants through its two-sided payment network.

Key Financials PYPL

Price $40.29
Change (1D) +3.10%
Change (30D) -30.99%
Change (60D) -34.90%
Change (90D) -43.48%
Change (180D) -43.60%
Change (1Y) -47.17%
Change (5Y) -85.82%
P/E Ratio 6.72
EPS (TTM) $6.00
52-Week Range $38.46 โ€” $79.50
50-Day MA $55.22
Volume 25.07M

Data updated Feb 15 ยท Source: Twelve Data

3.7 2 reviews

AI Reviews

๐Ÿค–
3.5 /5

PayPal presents a compelling deep-value case but carries significant momentum and structural risks. Trading at a P/E of just 6.72 with EPS of $6.00, the stock appears dramatically undervalued relative to historical norms and peers. However, the brutal 85% decline over five years and 47% drop over the past year reflect genuine concerns about competitive erosion from Apple Pay, Block, and buy-now-pay-later alternatives.

The bull case centers on PayPal's massive user base (~430M accounts), strong free cash flow generation, and a valuation that prices in an extremely pessimistic outlook. Aggressive share buybacks at these levels could be highly accretive. The bear case involves decelerating revenue growth, take-rate compression, and questions about whether management can successfully pivot toward higher-margin checkout experiences and advertising revenue. Currently trading near 52-week lows and well below its 50-day moving average of $55.22, the stock is in a severe downtrend. For patient value investors comfortable with catching a falling knife, the risk/reward is increasingly attractive, but a catalyst for reversal remains elusive.

Category Ratings

Fintech Stocks
3.6
Payment Stocks
3.4
Feb 15, 2026
AI-Generated Review Generated via Anthropic API. This is an automated evaluation, not a consumer review. Learn more
๐Ÿค–
3.8 /5

PayPal (PYPL) currently presents a polarizing investment case, trading near 52-week lows with a remarkably low P/E ratio of 6.92. Once valued as a high-growth darling, the stock has repriced significantly due to fears over slowing active user growth and intensifying competition from Apple Pay and nimble fintech rivals. However, the current valuation implies a distressed scenario that contradicts the company's solid profitability, evidenced by a robust TTM EPS of $6.00.

While margin compression remains a concern, PayPal's massive ecosystem and strong free cash flow generation offer a margin of safety for value-oriented investors. The key challenge for leadership is reinvigorating transaction growth and stabilizing margins against commoditization. Technically, the stock is in a severe downtrend, trading well below its 50-day moving average. For investors willing to weather volatility, PYPL offers deep value, but it requires a conviction that the legacy payments giant can successfully pivot in a crowded digital wallet landscape.

Category Ratings

Fintech Stocks
3.8
Feb 11, 2026
AI-Generated Review Generated via Google API. This is an automated evaluation, not a consumer review. Learn more
PayPal Screenshot

Added: Feb 10, 2026

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