PayPal (PYPL)
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-09-14
$53.81-0.41%
Close 2026-09-15 · 1-day change
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-09-14
Research Workspace
Put PYPL beside peers and holdings, graph the same metric, and keep your notes with the evidence.
Daily closes. Earnings/event dots are placed inline.
Industries move in repeating boom-and-bust cycles. This shows where this stock’s industry sits in that cycle, stage by stage (recovery → expansion → supercycle → steady → deceleration → contraction), from its fundamentals (orders, revenue, capital spending), not the stock’s price.
A booming industry is a tailwind for the names in it; a contracting one is a headwind. Companies in the same industry tend to rise and fall together with the cycle, the way a tide lifts and lowers every boat in the harbor at once, so a large part of a stock’s swing can come from where its industry sits rather than from the company itself. It’s context for reading the company’s results, not a buy/sell call. Full explanation →
Financials is in steady. Describes the industry's cycle state, not a call on this stock.
The stage band shows the industry’s cycle over the chart’s timeline (each color a stage); a ▼ marks a quarter its growth inflected down — amber is an unconfirmed watch, red is confirmed the next quarter. Use “Overlay cycle on chart” to tint the price chart by stage. The industry’s fundamentals, not a signal on this stock.
Primary pillar under pressure — Revenue grows to at least $34.3B in FY26: Q2 rev +5.0% vs target $34.3B.
View ThesisRevenue is growing steadily — about 6% over the past year.
View GrowthMiddle-of-the-pack quality for its industry.
View QualityManagement screens strong on margins, the balance sheet.
View ManagementExpectations look reasonable — what the market is pricing in sits in line with or below what analysts forecast.
View ValuationThis stock is volatile — it swings about 1% on a typical day and fell roughly 49% in its worst 12-month stretch.
View RiskPayPal's growth strategy needs to accelerate to justify its current valuation. Revenue grew 4.8% year over year, exceeding expectations, but the stock has declined since the report. It trades at 10× P/E versus a peer median of 12×, indicating that expectations are modest compared to our view. The primary risk is that revenue growth may not meet the target of at least $34.3 billion for FY26, as it only grew 5.0% in Q2. Peer multiples imply a price about 35% above where it trades. This read is provisional; the thesis is on watch.
Trailing returns as of 2026-09-15. PYPL is total return (includes dividends); the S&P 500 benchmark is price return (the index excludes dividends).
Based on 43 analysts currently covering PYPL (as of Sep 2026).
Based on 15 Wall Street analysts offering 12-month price targets for PYPL in the last 4 months.
Continue this research
Compare PYPL with peers and holdings, graph the same reported metric, keep your questions beside the evidence, and return when the facts change.
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| Compare | Company | Living FV | P/E | Revenue % | Quality |
|---|---|---|---|---|---|
| PYPL Selected company | Graph | Compare | Trend | Review | |
| Peer Add a competitor | Graph | Compare | Trend | Review | |
| Holding Compare a holding | Graph | Compare | Trend | Review |
Selected metric trend
Quarterly · checked companies · value or % of revenue
A consensus fair price across 12 valuation methods, at three horizons. As of 2026-09-14. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
A price-focused, side-by-side fair-value read versus Transaction & Payment Processing Services — fair value, gap to price, and forward P/E.
Compare the value case
Put PYPL next to peers and holdings, compare Living FV and multiples, then graph the driver behind the difference.
Advances: Improve execution and cost structure to enhance profitability
CEO's plan aligns with improving execution and cost structure.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
End-of-day figures as of 2026-09-15. EPS is implied from price ÷ P/E. Not investment advice.
Current $53.81
The last 12 months of price, then the range of analyst 12-month targets from today’s $53.81.
Analyst ratings and price targets are third-party Wall Street estimates, not QuarterlyIQ’s view. Not investment advice.
A long-thesis check that carries the widest uncertainty of the three horizons.
Above average on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
Advances: Improve execution and cost structure to enhance profitability
Targets significant savings to improve cost structure.
Advances: Strengthen branded checkout and Venmo execution
Enhances Venmo execution and strengthens branded checkout.
Threatens: Improve execution and cost structure to enhance profitability
Layoffs may hinder cost structure improvement efforts.
Threatens: Improve execution and cost structure to enhance profitability
Job cuts may hinder execution and profitability improvement.
Advances: Improve execution and cost structure to enhance profitability
Job cuts improve cost structure and enhance profitability.
Buyout falling apart raises concerns about capital allocation.
Abandonment of takeover indicates weakened market position.
