PayPal Holdings

PYPL · NASDAQ

$57.14+$0.63 (+1.11%)TodayMarket closed · Oct 20, 4:05 PM ET

Prev close $56.51

PYPL analyst rating

HoldConsensus of 28 analysts over the last 12 months. 18% rate it a buy.

Strong buy0
Buy5
Hold21
Underperform1
Sell1

12-month price target · 38 analysts

Average $57.96 (+1.4% upside)

Low: $36.36
Now: $57.14
High: $85.68

Upgrades and downgrades

The latest rating actions, newest first

PYPL analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
Barclays	Oct 9, 2026	Maintains	Equal-Weight	$57.00 → $56.00	49%
Truist Securities	Aug 31, 2026	Maintains	Hold	$62.00 → $53.00	68%
RBC Capital	Aug 31, 2026	Maintains	Outperform	$65.00 → $70.00	64%
Loop Capital	Aug 28, 2026	Maintains	Hold	$62.00 → $50.00	58%
Truist Securities	Aug 19, 2026	Maintains	Hold	$59.00 → $62.00	68%
Piper Sandler	Aug 17, 2026	Maintains	Neutral	$42.00 → $59.00	72%
Cantor Fitzgerald	Aug 3, 2026	Maintains	Neutral	$54.00 → $60.00	49%
JP Morgan	Jul 29, 2026	Maintains	Neutral	$46.00 → $65.00	55%
TD Cowen	Jul 29, 2026	Maintains	Hold	$48.00 → $59.00	52%
RBC Capital	Jul 29, 2026	Maintains	Outperform	$59.00 → $65.00	45%

The case for and against

Updated Oct 14, 2026

Bull case

PayPal Holdings is supported by a massive scale of 439 million active accounts at the end of 2025 and the durable reach of Venmo, which together give it a broad consumer and merchant network in electronic payments. Its positive outlook rests on the possibility that management can unlock value through a takeout process while also improving fundamentals via the announced $1.5B run-rate opex reduction, which could help offset weaker profitability trends. Although branded checkout has lost share and transaction margin dollars have been pressured, the company’s network breadth, online payments focus, and room for cost discipline suggest meaningful long-term resilience.

Bear case

PayPal Holdings is viewed negatively because its core branded checkout franchise is losing share to lower-cost, better-integrated rivals like Shop Pay and Apple Pay, while its consumer authentication experience remains weaker and merchant pricing is less competitive. Although Q1 showed net revenue up 7%, TPV up 11%, and active accounts at 439M with Venmo helping monthly active accounts reach 225M, transaction counts per active account fell 1% and non-GAAP operating margin compressed 229bps to 18.4%, signaling softer engagement and profitability. The outlook is further pressured by a 2026 guide for mid-single digit GAAP EPS decline and low-single digit decline to slightly positive non-GAAP EPS, alongside intense competition, fee pressure, third-party dependency, and execution risk.

Information on this page is provided for informational purposes only and is not a recommendation to buy, sell or hold any security. Investing involves risk, including possible loss of principal. Market data is delayed at least 15 minutes and is provided without warranty. Analyst ratings, price targets and company data come from third-party sources. Past performance does not guarantee future results.