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PYPYPL

PayPal Holdings, Inc.

$PYPL·$36B·Financial - Credit Services·Financial Services
$41.07-0.5%YTD-29.6%1Y-43.0%
Mentions · last 7 days
2,513
Price updated 2d ago·X counts updated 11d ago
PYPYPL
PayPal Holdings, Inc.$PYPL
$41.07-0.53%2.5k posts
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Top X posts

Today's AI verdict on what's driving $PYPL, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Comeback attemptSelling offAI verdict · as of 2026-06-10

Falling on heavy selling — points lower unless it turns around.

PayPal at 7% of its 52-week range with a $2B notes raise behind it — capitulation is the X read, and the chart agrees.

PayPal is the legacy digital-payments leader — Venmo, Braintree, PayPal Checkout — that has lost share to Apple Pay, Stripe and bank-issued embedded payments over five years. The stock is down 30% YTD, 43% over twelve months, and sits at just 7% of its 52-week range as posters describe the tape as the quiet bottom that 'nobody posts about anymore.' Q1 revenue grew only 7% YoY to $8.35B at an 18% operating margin and 14% trailing FCF yield — the underlying business is profitable and cash-generative, and at a P/E of just 8.1x trades at a clear value-stock multiple. Management raised $2B in senior notes on May 15 (debt for buybacks at $40) and disclosed CEO-level personnel changes in the May 21 8-K. The bet is whether the new CEO ships a Venmo monetization step or commerce checkout reset before another quarter of single-digit growth confirms the secular decline.

Agrees with X sentimentAgree — the 'quiet capitulation' framing X is articulating is supported by the data: 7% of 52-week range on 1.6x average volume is real distribution, and ten-year underperformance versus the spin-off basket is the structural complaint. What the thread underplays is the 14% trailing FCF yield and the $2B debt-funded buyback that just landed — a real shareholder-return catalyst at the bottom.

What to watch: Jul 28 Q2 earnings: any guidance update from the new CEO, plus PayPal-branded checkout volume vs unbranded (Braintree). A guide reaffirming mid-single-digit revenue growth keeps the bear case intact; any product reset or Venmo monetization disclosure could trigger a value-rotation rebound.

On the calendar: 2026-07-28 — Q2 earnings

float missingbeta missing

X sentiment

What the X crowd is saying right now — descriptive, summarised from the day’s posts.

Bearish sentiment17 posts analyzed · as of 2026-06-08

PayPal is being explicitly framed as 'real capitulation is quiet — nobody posts the bottom, they've stopped looking at the screen.' The corpus is dominated by bears: PYPL has lost half its market cap in a year, sitting near 52-week lows, +12% gains over a full decade post-spin-off versus +700% on the spin-off, finance ripping but PYPL can't catch a bid. The bull thread is essentially absent in this sample.

Read the AI verdict + X sentiment for $PYPL

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • X crowd read with bullish/bearish call + post volume
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What it does

Plain-English summary of the business — what they sell and how they make money.

Operates PayPal and Venmo digital payments platforms processing transactions for merchants and consumers globally.

Industry overviewAI analysisGenerated by AI from underlying data

Where Financial - Credit Services sits in its cycle right now — and what that implies for $PYPL.

Financial - Credit Services · Financial Services

Agentic commerce is repricing payment network infrastructure — Visa, Mastercard, and Amex are building AI agent transaction APIs as long-duration positioning. AI-driven credit underwriting (UPST) faces securities litigation overhang. Consumer credit normalization and higher-for-longer rates continue to pressure fintech lenders' cost of capital.

What this means for $PYPL

Partial — PayPal and Venmo benefit from agentic checkout integration as merchants adopt AI-powered commerce; competition from BNPL providers and Stripe for developer share remains intense.

See how Financial - Credit Services shapes $PYPL

  • Where the industry is in its cycle and the catalysts moving it now
  • What this means specifically for $PYPL's next move
  • Peer-basket or ETF benchmark you can use to gut-check the read
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Industry benchmark

8-name peer basket
-24.4%YTD
-19.8%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
8.1How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
15.2%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
17.9%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
14.0%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
1.2Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
25.1%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
46.1%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.5Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q1 2026May 5, 2026$1.34$1.27+5.5%
Q4 2025Feb 3, 2026$1.23$1.29-4.7%
Q3 2025Oct 28, 2025$1.34$1.20+11.7%
Q2 2025Jul 29, 2025$1.40$1.30+7.7%
Next earningsTue, Jul 28·consensus EPS $1.28

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$8.4B+7.2%45.6%17.8%$1.22$911.0M
Q4 FY25$8.7B+3.7%46.5%17.4%$1.54$2.2B
Q3 FY25$8.4B+7.3%46.0%18.1%$1.31$1.7B
Q2 FY25$8.3B+5.1%46.4%18.1%$1.30$692.0M

Forward consensus

5-year forecast · up to 33 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$34.4B$34.0B – $34.6B$5.31$5.18 – $5.5431
FY27$35.8B$35.1B – $36.4B$5.76$5.25 – $6.0433
FY28$37.4B$37.4B – $37.4B$6.32$5.48 – $7.0125
FY29$38.1B$37.4B – $39.1B$6.23$6.08 – $6.4612
FY30$43.3B$42.5B – $44.5B$7.63$7.45 – $7.9112

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.1.6×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.7%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.-11.1%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.-26.4%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Know if $PYPL is setting up — or just chopping

  • Volume multiple vs 30-day baseline — catch unusual interest before the move
  • Position vs 50d & 200d MAs and 52-week range — trend direction at a glance
  • Float bucket, beta, and active-offering flags — what kind of stock you're trading
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Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellJun 3Suzan KereerePresident3.4K sh$145KSellJun 3Frank KellerPres., Checkout Sol. & PayPal4.6K sh$196KSellJun 3Chris NataliSVP, Chief Accounting Officer552 sh$24KSellMay 19Suzan KereerePresident4.2K sh$184KSellApr 29Frank KellerPres., Checkout Sol. & PayPal10.7K sh$536KSellApr 29Chris NataliSVP, Chief Accounting Officer1.3K sh$66KSellMar 3Frank KellerEVP, GM, Large Ent & Mer Plat.8.9K sh$402KSellMar 3Suzan KereerePresident13.5K sh$622KSellMar 3Chris NataliSVP, Chief Accounting Officer2.2K sh$99K
+ 44 other (15 exempts · 15 awards · 14 inkinds) in window

See when $PYPL insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KOfficer or director changeMay 218-K — Item 5.02: Officer or director change · Item 5.07: Shareholder vote
AI summary

PayPal Holdings, Inc. (PYPL) filed an 8-K on May 19, 2026 disclosing a personnel change (Item 5.02) and annual shareholder meeting vote results (Item 5.07). PayPal is a San Jose, California-based digital payments company listed on Nasdaq. The excerpt does not identify the specific executive; an officer change at a fintech giant can be material if at the C-suite level.

8-KOfficer or director changeApr 308-K — Item 5.02: Officer or director change · Item 7.01: Press release / Reg FD
AI summary

PYPL disclosed a personnel change (8-K Item 5.02, dated 2026-04-30). An executive departure and a new appointment are both reported. Personnel changes are generally administrative; materiality depends on seniority and circumstances.

3New insider — initial holdingsMar 263
AI summary

Form filed by More than One Reporting Person Table I - Non-De filed a Form 3 (initial ownership statement) for PYPL on 2026-03-26, initiating required Section 16 reporting. Role: of Reporting Person. Form 3 is a mandatory administrative filing upon first becoming an insider or 10%+ holder; it does not reflect a purchase or sale event.

8-KOfficer or director changeMar 258-K — Item 5.02: Officer or director change
AI summary

PYPL disclosed a personnel change (8-K Item 5.02, dated 2026-03-25). An executive departure and a new appointment are both reported. Chief Executive Officer of Block Inc. Personnel changes are generally administrative; materiality depends on seniority and circumstances.

8-KOfficer or director changeFeb 38-K — Item 5.02: Officer or director change · Item 7.01: Press release / Reg FD
+ 14 other (4 proxys · 3 13Gs · 2 earnings 8-Ks · 1 S-8) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Paypal (PYPL) Down 7.9% Since Last Earnings Report: Can It Rebound?zacks.com·6d agoPayPal Holdings, Inc. (PYPL) Presents at 2026 Evercore Global TMT Conference Transcriptseekingalpha.com·7d agoAffirm vs. Klarna: Which Technology Stock Is a Better Buy in 2026?fool.com·8d agoInvestors Heavily Search PayPal Holdings, Inc. (PYPL): Here is What You Need to Knowzacks.com·9d agoPayPal's Reset Could Finally Reward Patient Buyers (Rating Upgrade)seekingalpha.com·9d ago

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Voices on X · top 14 · last 7 days

TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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