NASDAQ · STOCK
PayPal Holdings
$46.33
52W $38.46 – $79.50
66/100
$39.98B
7.9
1.32
Price History (6M)
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Executive Summary
5 analysts weighed in with 80% agreement on a bullish lean. Growth Analyst: Quarter-over-quarter growth rate is ACCELERATING, not just positive. Overall recommendation: BUY.
Bull & Bear Case
Bull Case
- Positive MACD histogram signals bullish momentum.
- Daily volatility (ATR%) above ~3% is treated as elevated risk.
Bear Case
- Both daily and weekly trends are bearish — strong multi-timeframe downtrend.
- Lower Highs / Lower Lows structure confirms bearish price action.
AI Investment Committee
Committee Consensus
As of July 11, 2026
Overall Committee Score
66/100
Agreement
83%
Analysts
6
Conviction
High
Growth Analyst
bullish
85
/ 100 · Low confidence
Strong, accelerating growth with consistent execution
+ Quarter-over-quarter growth rate is ACCELERATING, not just positive
Technical Analyst
neutral
58
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish momentum
Macro Analyst
bullish
70
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
62
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
Portfolio Manager
bullish
75
/ 100 · Low confidence
The existing book is healthy enough that position-sizing here is a matter of stock selection, not portfolio constraints
+ Portfolio position concentration is currently healthy
Technical Analysis
RSI (14)
67.4
Neutral
MACD Histogram
0.419
Bullish Momentum
Trend Direction
Sideways
Weekly: Downtrend
Market Structure
Lh Ll
Support
$38.46
Resistance
$52.29
Bollinger %B
0.95
Inside Bands
Price vs Moving Averages
EMA 9
$44.90
Above
EMA 21
$44.16
Above
EMA 50
$44.53
Above
EMA 200
$51.86
Below
Fundamental Analysis
Valuation
91
Growth
70
Profitability
73
Financial Health
69
Valuation
P/E Ratio
7.9×
P/B Ratio
2.70×
PEG Ratio
—
Dividend Yield
1.26%
52W High
$79.50
52W Low
$38.46
Quality & Growth
ROE
2508.0%
ROA
632.0%
Gross Margin
4093.0%
Operating Margin
1785.0%
Revenue Growth YoY
+579.0%
Debt / Equity
0.56
AI Fundamental Assessment
P/E ratio of 7.9 (inexpensive relative to a 15-40x range); Price-to-book of 2.7x; Revenue growth (YoY) of 5.8%; EPS growth (YoY) of 19.8%; Return on equity of 25.1%; Return on assets of 6.3%; Net margin of 15.0%; Gross margin of 40.9%; Current ratio of 1.29 (tight short-term liquidity); Debt-to-equity of 0.56; Most recent quarter beat estimates by 3.6%; EPS growth accelerating (-8.2% -> +8.9% QoQ); Analyst estimates rising over recent quarters
Key Risks
- Both daily and weekly trends are bearish — strong multi-timeframe downtrend.
- Lower Highs / Lower Lows structure confirms bearish price action.
This risk summary is generated from quantitative data signals, not qualitative opinion. All investors should conduct their own due diligence. This is not financial advice.
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