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TickerTalks›$PYPL
PYPYPL

PayPal Holdings, Inc.

Strong FundamentalsStrong FundamentalsRevenue growing 7% YoY at strong marginsStreet coverage with positive forward estimatesConsistent chatter on X (661/wk), no spike
$PYPL·$49B·Financial - Credit Services·Financial Services
$56.70-0.8%YTD-4.3%1Y-14.2%
Price updated 14h ago·X counts updated 6d ago
PYPYPL
$PYPLPayPal Holdings, Inc.
$56.70-0.80%661 posts1.3×
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.

661X posts · last 7 days
Sep 29Oct 11
Chatter Meter
1.3×
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 92% of tracked names.

Bullish sentimentAI analysisGenerated by AI from underlying data12 posts analyzed · as of 2026-10-02

X is bullish on takeover chatter — $PYPL gained 4.6% Friday on reports an unidentified West Coast tech company is evaluating an all-stock acquisition after Stripe and Advent passed, and bulls note PayPal is trading at 2016 prices (~$54) against 155% higher revenue. A fresh Meta AI shopping deal is the catalyst layer. Candidate acquirers being floated are GOOG, META and AMZN. Only a mild Elliott-wave bear waits for Wave 2's C leg.

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 numbersWinding up for a moveAI verdict · as of 2026-10-03

Trading in a tight range and building pressure — a move looks likely soon, but the direction isn't clear yet.

A profitable franchise priced like a melting ice cube — now with M&A chatter putting a floor underneath the trade.

PayPal is the legacy digital-wallet rail — the brand, the Venmo franchise, and the merchant-services business behind countless e-commerce flows. The stock is 83% off its 2021 high and sits near 2016 prices, now with M&A chatter putting a floor underneath.

  • The valuation is the whole case: 8x trailing earnings with 46% gross margins, 18% operating margins, and 15% ROIC — a profitable franchise priced like a melting ice cube, with consensus 2026 EPS still at $5.40.
  • Growth is slow but positive: Q1 2026 revenue +7.2% YoY and 5–12% EPS beats over the last four quarters — not the Stripe story, but not a broken business.
  • The takeover chatter is now the setup: reports of an unidentified West Coast tech buyer evaluating an all-stock deal after Stripe and Advent passed — unconfirmed, but 8x trailing makes PayPal a credible target for anyone looking to buy distribution.

A confirmed bid moves it toward $70–$80 fast; no bid and the Oct 27 Q3 print needs re-acceleration in branded checkout, or the stock drifts between the two narratives.

Agrees with X sentimentX is right the stock is cheap vs its own history (2016 price against 155% higher revenue) and the takeover chatter is credible — Google/Meta/Amazon would all fit as distribution-hungry buyers. The crowd is under-weighting that no deal + no branded-checkout re-acceleration keeps the stock stuck.

What to watch: Oct 27 Q3 earnings — branded TPV growth above 6% and operating-margin trend. Separately, any confirmed or officially denied takeover talks will move the stock sharply on their own. A clean beat without M&A still works.

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

float missing

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

No material change from last week — AI-driven underwriting (Upstart, SoFi) and BNPL (Affirm, Klarna) continue reshaping consumer credit while Visa and Mastercard card networks hold on premium-spend mix.

What this means for $PYPL

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

Industry benchmark

19-name peer basket
-15.3%YTD
-18.4%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 $1.31

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$34.8B$34.3B – $35.1B$5.39$5.23 – $5.5429
FY27$36.3B$35.7B – $36.9B$5.79$5.55 – $6.0731
FY28$37.9B$36.2B – $40.4B$6.28$5.36 – $7.1827
FY29$39.3B$38.4B – $40.4B$6.62$6.42 – $6.8613
FY30$42.4B$41.4B – $43.6B$7.58$7.36 – $7.8613

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.1.0×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.45%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.+1.1%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.+13.3%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatHigh float · 854.4M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today1.3% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β1.285-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
+ 53 other (20 exempts · 20 inkinds · 13 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
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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.

+ 9 other (2 13Gs · 2 10-Qs · 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) Outperforms Broader Market: What You Need to Knowzacks.com·2d agoGlance and PayPal Bring AI-Powered Shopping and Checkout to Tens of Millions of U.S. Consumersbusinesswire.com·2d agoIs PayPal stock a ‘Buy', ‘Sell', or ‘Hold' after crashing 81% from all-time high?finbold.com·2d agoHere Are Thursday’s Top Wall Street Analyst Research Calls: AngloGold Ashanti, Bank of America, Cirrus Logic, Crocs, Diamondback Energy, Devon Energy, Netflix, PayPal, Spotify Technolgy , and More247wallst.com·2d agoIs PayPal Stock a Buy at Less Than 10 Times Next Year's Earnings Guidance?fool.com·2d ago

In themes

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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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