The information provided on EL7.AI is for educational and informational purposes only and does not constitute financial advice.
The information provided on EL7.AI is for educational and informational purposes only and does not constitute financial advice.
| Factor | Score | Distribution | Value | Avg | Rank |
|---|---|---|---|---|---|
Valuation | 90 | 9.7x | 20.8x | Top tier | |
Growth | 49 | 5.8% | 6.1% | Around median | |
Quality | 93 | — | — | Top tier | |
Safety | 29 | — | — | Bottom tier | |
Capital Return | 56 | 0.25% | 2.02% | Around median | |
Momentum | 34 | -41.9% | 4.1% | Bottom tier | |
Sentiment | 60 | 27 | 3 | Around median |
Estimates — analyst targets and a simplified DCF, not investment advice.
Ten ratios that matter, each compared against its sector median and average — so you can see whether a number is rich or cheap relative to peers in the same sector.
PayPal Holdings, Inc. operates a leading global technology platform that enables consumers and merchants to make digital and mobile payments worldwide. The company generates its revenue primarily by charging fees on financial transactions processed through its payments platform, in addition to providing value-added services such as consumer and merchant loans, and collecting interest on customer balances. The company operates a two-sided payment network that includes prominent products and brands such as PayPal, Venmo, and Braintree, alongside its recently launched stablecoin PYUSD on multiple networks to enhance transfer efficiency.
In the first quarter of fiscal year 2026, the company reported mixed financial results, with total revenue reaching $8.4 billion, while net income amounted to $1.1 billion with earnings per share of $1.21. Total Payment Volume (TPV) recorded an 11% growth to reach $464 billion, driven by strong performance from the Venmo platform, which grew by 14%, and the corporate payments segment. Despite these positive indicators, monthly active accounts saw a slight growth of only 1% to reach 225 million accounts, reflecting challenges in expanding the customer base amid intense competition in the digital payments sector.
The analyst consensus for PayPal stock stands at a 'Hold' rating with an average price target of $49.48, while the range spans from a low of $34 to a high of $65. The stock is currently trading at levels influenced by a 52-week range of $38.46 to $79.5, with the average analyst target approaching the lower half of this historical range. These valuations reflect caution on Wall Street regarding the company's ability to accelerate revenue growth amid competition, despite recent acquisition catalysts.
Figures in the text are as of 2026-07-15; the live price is shown at the top of the page.
On July 15, 2026, a consortium including Stripe and the investment fund Advent presented a massive offer to acquire PayPal for $53 billion. This announcement led to a notable rise in the company's shares and supported the broader Dow Jones index on that day. This potential transaction reflects the significant strategic value of the company's two-sided payment network and its extensive customer base.
The Venmo platform continued to achieve record numbers and strong growth rates, with Total Payment Volume (TPV) increasing by 14% year-over-year. This represents the sixth consecutive quarter that the platform has achieved double-digit growth, supported by a 34% increase in the use of the 'Pay with Venmo' feature. Current management is focused on increasing the platform's integration with additional financial services to raise the average customer lifetime value.
Management, led by CEO Enrique Lores, announced a comprehensive plan aimed at saving at least $1.5 billion in gross costs over the next two to three years. This plan relies primarily on accelerating the adoption of artificial intelligence technologies to automate operations, particularly in the areas of customer support and technology development. The plan also includes removing duplicative management layers and closing non-core units, such as the venture capital arm which was closed on June 16, 2026.
Automated analysis for informational purposes only — not investment advice.
Management anticipates an approximate 9% decline in non-GAAP earnings per share (Non-GAAP EPS) during the second quarter. This decline is due to slowing payment volume growth in the travel sector and weak economic performance in European markets such as the UK and Germany. Additionally, the company faces a difficult comparison with the second quarter of last year, which benefited from non-recurring gains and exceptional tax reductions.