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PYPYPL

PayPal Holdings, Inc.

$PYPL·$47B·Financial - Credit Services·Financial Services
$53.18-3.2%YTD-9.4%1Y-22.3%
Price updated 13h ago·X counts updated 13h ago
PYPYPL
$PYPLPayPal Holdings, Inc.
$53.18-3.24%542 posts1.1×
AI analysisFundamentalsVoices on X
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On X

Top X posts

The complete picture of $PYPL on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

542X posts · last 7 days
Aug 26Sep 8
Chatter Meter
1.1×
QuietNormal · 1×Loud

How loud $PYPL's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's about its usual level, louder than 85% of tracked names.

Bearish sentimentAI analysisGenerated by AI from underlying data47 posts analyzed · as of 2026-09-08

PayPal is being cited as the poster child of the 'value trap' list alongside NKE and LULU, down ~80-82% from ATH with layoffs of 4,760 jobs (20% of workforce) as the fresh datapoint. Posters warn cheap doesn't mean cheap can't get cheaper, and there's no bullish thesis voice in the window.

Read what X is saying about $PYPL

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
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AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $PYPL — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Proven numbersStalledAI verdict · as of 2026-09-09

The move has stalled — likely just drifts unless something new shows up.

The payments giant trading at 8x earnings — genuinely cheap, but the crowd's 'value trap' framing has fresh evidence with 20% layoffs and a failed buyout.

PayPal runs Braintree, Venmo, and the core PayPal checkout — one of the largest payments networks online, but growth has stalled to single digits and the stock has been cut nearly in half from its 2021 highs. The recent story is a failed buyout attempt and 4,760 layoffs (20% of workforce).

  • Q2 revenue grew just 7% YoY to $8.35B with an 18% operating margin and $911M in FCF — this is a genuinely profitable, cash-generative business, but the growth rate is the specific reason the multiple sits at 8x TTM earnings.
  • The 4,760-role layoff (20% of workforce) is a cost-cutting response, not a growth catalyst — a company cutting this deep is optimizing for margin defense, not funding a new offense.
  • Pausing the VC portfolio sale after 'lowball offers' says something about internal cash pressure that a company with $911M/quarter FCF shouldn't have — the buyout falling through leaves this without a strategic escape hatch.

The Oct 27 Q3 print at $1.32 estimated EPS is where the layoff math shows up in margin — a beat with stable transaction volumes validates the 'cheap and profitable' bull; another growth deceleration plus soft TPV commentary confirms the value-trap read.

Agrees with X sentimentAgree with the 'cheap doesn't mean cheap can't get cheaper' concern — 7% revenue growth at 8x earnings only works if growth reaccelerates, and 4,760 layoffs plus a paused VC portfolio sale are exactly the wrong data points for that thesis. The failed buyout removes the arb floor.

What to watch: The Oct 27 Q3 print at $1.32 estimated EPS — specifically transaction volume trends and margin from the layoff impact. A beat plus stable TPV restarts a value case; another deceleration or margin walk confirms the value-trap framing.

On the calendar: 2026-10-27 — Q3 2026 earnings

Read the AI verdict on $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)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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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

AI-driven underwriting and BNPL expansion are reshaping credit pricing; card network volumes are resilient to consumer caution thanks to premium-spend mix. Higher-for-longer rates compress subprime credit quality while sustaining net interest margins at traditional lenders.

What this means for $PYPL

Partial — PayPal; Braintree volume + BNPL (Pay Later) + Venmo monetisation — restructuring progress, but competitive pressure from Apple Pay/Google Pay.

Industry benchmark

18-name peer basket
-8.9%YTD
-19.2%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
Q2 2026Jul 28, 2026$1.38$1.28+7.8%
Q1 2026May 5, 2026$1.34$1.28+4.7%
Q4 2025Feb 3, 2026$1.23$1.29-4.7%
Q3 2025Oct 28, 2025$1.34$1.20+11.7%
Next earningsTue, Oct 27·consensus EPS $1.32

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 31 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$34.6B$34.3B – $35.0B$5.36$5.25 – $5.5728
FY27$36.1B$35.6B – $36.7B$5.78$5.28 – $6.1031
FY28$37.7B$36.0B – $40.5B$6.29$5.55 – $7.0426
FY29$38.8B$37.9B – $40.1B$6.28$6.10 – $6.5625
FY30$42.4B$41.4B – $43.8B$7.58$7.36 – $7.9115

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.0.8×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.36%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.-3.7%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.+4.3%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

β1.295-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

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

Recent transactions

SellSep 3Chris NataliSVP, Chief Accounting Officer552 sh$30KSellSep 3Suzan KereerePresident3.4K sh$188KSellSep 3Frank KellerPres., Checkout Sol. & PayPal4.6K sh$256KSellAug 18Suzan KereerePresident4.2K sh$254KSellJul 29Chris NataliSVP, Chief Accounting Officer1.3K sh$78KSellJul 29Frank KellerPres., Checkout Sol. & PayPal732 sh$43KBuyJun 15Jamie S MillerChief Fin & Op Officer6.1K sh$255KSellJun 3Chris NataliSVP, Chief Accounting Officer552 sh$24KSellJun 3Frank KellerPres., Checkout Sol. & PayPal4.6K sh$196KSellJun 3Suzan KereerePresident3.4K sh$145K
1–10 of 13
+ 58 other (22 exempts · 22 inkinds · 14 awards) 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
Free, forever. No credit card.

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.

+ 14 other (4 proxys · 3 13Gs · 2 10-Qs · 2 earnings 8-Ks) in window

Recent news

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

3 Crypto-Exposed Stocks Riding the Institutional Crypto Wavezacks.com·1d agoPayPal's Buyout Is Dead. Here's What I'm Doing Now.fool.com·3d agoPayPal Pauses Venture Capital Portfolio Sale After Lowball Offerspymnts.com·5d agoPaypal (PYPL) Registers a Bigger Fall Than the Market: Important Facts to Notezacks.com·5d agoPayPal's BNPL and Credit Growth: Can It be a Further Upside Driver?zacks.com·5d ago

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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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