PayPal po krachu nabídky na převzetí dál staví na vlastním obratu: ve 2. čtvrtletí překonal odhady EPS o 10 centů na 1,38 USD a zvýšil celoroční výhled EPS na 5,38 USD.
It's been a tumultuous summer for PayPal Holdings Inc. NASDAQ: PYPL: shares surged in July on news that Stripe and a private equity partner, Advent International, offered to buy the payments services firm after months of speculation. A quick two weeks later, PayPal reported better-than-expected Q2 2026 earnings, throwing investors for a loop and causing some to question whether the deal might actually not go through. In mid-August, the price of PayPal shares climbed above the $60.50 price that Stripe and Advent had set in their deal; two weeks later, the deal fell through, and PayPal shares tumbled.
Ultimately, the collapse of the potential deal does not change PayPal's underlying business and appeal, with a massive number of active users, a growing stablecoin, and strong fundamentals in multiple categories. This could make the current moment a good one to consider entering a position in PayPal, regardless of whether the deal becomes a possibility again.
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Is PayPal's Price Decline a Buy Opportunity or a Sign of a Takeover Premium?Key to an investor's assessment of PayPal at this stage is the fact that the company's board rejected Stripe's offer, which totaled about $53 billion and valued the company at $60.50 per share. This would suggest that leaders assessed this price tag to be insufficient—but then shares of PYPL collapsed by about 13% immediately after the deal fell through. They have since risen marginally but are still not back up to the $60.50 benchmark.
83rd Percentile
Hold
5.4% Upside
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Moderate
0.50 Selling Shares
7.81%
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The question then becomes whether the deal collapse is actually an opportunity to buy PayPal at a discount to the rejected price from Stripe's offer, or if the sell-off actually reveals that a takeover premium had been artificially boosting the firm's valuation more than the underlying business itself could justify.
PayPal's Q2 earnings suggest the former may be more likely. The company reported earnings per share (EPS) of $1.38, 10 cents ahead of analyst predictions, and also raised full-year EPS guidance to $5.38. This positions the stock as a profitable fintech that is actually being priced now on its standalone turnaround potential.Its price-to-earnings (P/E) ratio of 10.4 is modest for the industry. Revenue climbed by a decent 4.8% year over year (YOY).
It would appear that PayPal's sales growth—moderate for now, but improving—coupled with strong profitability and a fairly low earnings multiple, may compel investors to look more closely. Add in the fact that PayPal is one of the most recognizable brands in fintech and that it boasts a customer base of about 430 million active accounts, and the appeal may grow further.
PayPal's Stablecoin Could Be a Hidden Growth EnginePYUSD is a stablecoin that is fully integrated into PayPal's platform. Thanks to the GENIUS Act's regulatory framework, PayPal's stablecoin has achieved notable circulation. This could be a potential driver of future revenue growth for the company as it enjoys fee-based revenue from transaction settlements, although it is a scenario often overlooked by analysts and investors focused more on PayPal's traditional services business.
Ways the Deal Could Re-Emerge...Plus an AlternativeThere are multiple ways that the takeover bid for PayPal could re-emerge, potentially throwing investor calculations off once again.
First, Stripe and Advent are free to return with a higher offer. Given that this deal would likely exceed the previous $60.50 offer, it could represent fairly significant upside potential beyond what analysts already predict for shares. It's also possible that a different buyer emerges with an offer that exceeds Stripe's as well.
Affirm Today
$72.08 -0.27 (-0.37%)
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$92.5613.06
$99.33
As PayPal initiates its latest round of layoffs in September 2026, perhaps investors will be inclined to look to alternatives like Affirm Holdings Inc. NASDAQ: AFRM.
Although it is in the same fintech space as PayPal, it has a different dynamic, including accelerating growth, expanding margins, and strong conviction from analysts.
This company also beat analyst EPS predictions for the latest quarter, and despite the fact that revenue fell a bit short, sales nonetheless climbed by an impressive 33% YOY. Further, Affirm's EPS win was fairly monumental, as the company reported EPS of $4.62 compared to analyst expectations of just 35 cents per share.
Affirm cannot rival PayPal's user base, but it does have a sizable addressable market, an aggressive diversification plan to expand its offerings, and improving margins that suggest it has been able to scale successfully and sustainably. Investors may want to ditch PayPal entirely and look to a stock that has 23 Buy or equivalent ratings from Wall Street analysts, as well as 37% in predicted upside potential.
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PayPal čeká, že výnosy z finančních služeb porostou v roce 2026 alespoň dvakrát rychleji než celá společnost. BNPL TPV ve 2Q 2026 vzrostl o 26 % a měsíční aktivní účty o více než 20 %.
Key Takeaways PayPal expects financial-services revenues to grow at least twice as fast as the company in 2026.BNPL TPV grew 26%, while monthly active accounts increased more than 20% in Q2 2026.Rising charge-offs and liquidity needs add risks as PayPal expands credit and financial services. PayPal Holdings (PYPL - Free Report) is increasingly relying on financial services to diversify its growth beyond payments and branded checkout. Management expects financial-services revenues, including credit and BNPL, to grow at least twice as fast as the overall company in 2026. In the second quarter of 2026, financial services already accounted for close to 20% of PayPal’s transaction margin.
Buy Now, Pay Later (BNPL) is emerging as a key growth driver. BNPL total payment volume (TPV) grew 26%, while monthly active accounts (MAAs) increased more than 20% in the second quarter of 2026. PayPal plans to expand the product through broader merchant distribution, additional markets and a wider product portfolio, creating more opportunities to deepen customer engagement.
Credit and debit products are also strengthening PayPal’s financial-services ecosystem. In the second quarter of 2026, Venmo Debit Card MAAs grew more than 50%, while customers using both Venmo Debit and Pay with Venmo generated more than nine times the average revenue per account (ARPA) of peer-to-peer-only users. This highlights the opportunity to generate more revenues from PayPal’s existing customer base.
However, expanding financial services comes with risks. In the second quarter of 2026, consumer and merchant net charge-off rates have increased to 4.8% and 7.6%, respectively. Credit expansion also increases liquidity requirements and makes PayPal partly dependent on external funding sources to support lending growth.
Overall, financial services could become one of PayPal’s most important long-term growth engines. The key will be balancing BNPL, credit and debit adoption with strong credit quality, capital efficiency and attractive returns.
How Are PYPL’s Competitors FaringAffirm Holdings (AFRM - Free Report) is a major PayPal BNPL rival. In fiscal 2026, Affirm generated $50.2 billion in GMV, up 37% year over year, and served about 28 million active consumers and 571,000 active merchants. Its rapid growth highlights strong competition in installment lending and online checkout financing across digital commerce.
Klarna (KLAR - Free Report) also competes directly with PayPal in BNPL and consumer credit. In the second quarter of 2026, Klarna reported $36.6 billion in GMV, up 18%, while revenues rose 27% to $1.04 billion. It had 120 million active consumers and more than 1.2 million merchants, giving it substantial global distribution scale and checkout reach.
PYPL’s Price Performance, Valuation & EstimatesShares of PayPal have gained 37.6% in the past three months compared with the broader industry and the S&P 500 Index.
Image Source: Zacks Investment Research
From a valuation standpoint, PayPal’s shares are trading cheaply, as suggested by the Value Score of A. In terms of forward 12-month P/E, PYPL stock is trading at 10.03X, which is at a significant discount to the Zacks Financial Transaction Services industry’s 19.20X.
Image Source: Zacks Investment Research
PayPal’s estimate revisions reflect a positive trend. The Zacks Consensus Estimate for full-year 2026 EPS has been revised upward to $5.38 over the past week. The consensus estimate for the metric indicates a year-over-year increase of 1.32%.
Image Source: Zacks Investment Research
PayPal currently carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
PayPal zrušil v Indii zhruba 220 pracovních míst v rámci dříve oznámené víceleté restrukturalizace. Firma zároveň míří na úspory 400 milionů USD do konce roku.
PayPal (PYPL.O) has cut roughly 220 jobs in India as part of the payments firm's broader, multi-year turnaround plan laid out earlier this year, a person familiar with the matter told Reuters on Thursday.
Here are some more details:
"The recent staffing changes are part of our previously announced multi-year transformation to simplify our global operations, strengthen execution, and position the company for long-term growth," a PayPal spokesperson said in an emailed statement.
The firm has outlined extensive cost-saving measures this year under newly appointed CEO, Enrique Lores, as it seeks to sharpen its competitive position in the crowded payments market.
PayPal has set a target of achieving $400 million in cost savings by year-end and at least $1.5 billion over the next two to three years.
Among the initiatives are plans to reduce organizational layers, improve productivity and integrate AI and automation across the business.
It joins a growing list of U.S. companies that have announced job cuts this year.
The rise of fintech rivals and big-tech players such as Apple and Google in payments has chipped away at PayPal's market share in recent years, weighing on its stock. The company's shares are down roughly 82% from its 2021 record high.
In its latest earnings report, PayPal raised its full-year profit forecast after quarterly results topped Wall Street expectations.
The turnaround initiatives come against a backdrop of takeover speculation around the company.
Reuters reported in July, citing sources, that a consortium including payments company Stripe and private equity firm Advent had made a $53 billion offer to buy PayPal.
The suitors are no longer pursuing the deal, according to media reports in late August.
Konsorcium investiční společnosti Advent International a zpracovatele plateb Stripe ustoupilo od snahy převzít zhruba za 53 miliard dolarů (1,1 bilionu Kč) americkou platební společnost PayPal Holdings. S odkazem na informované zdroje to ve čtvrtek uvedla agentura Bloomberg. PayPal už dříve avizoval, že nabídku považuje za nedostatečnou, protože nedoceňuje vyhlídky podniku.
Ani jedna z uvedených firem se nechtěla ke zprávě Bloombergu vyjádřit. Agentura Reuters v červenci informovala, že zájemci nabídli za jednu akcii PayPalu 60,50 USD, což bylo tehdy výrazně nad tržní cenou. Ta se od té doby v reakci na zájem o podnik zvýšila, ve čtvrtek uzavřela na trhu Nasdaq v New Yorku na 61,47 USD. Po zprávě, že konsorcium od snahy o převzetí podniku ustoupilo, cena klesla o více než 13 procent k 53 dolarům.
PayPal se potýká s rostoucí konkurencí, kterou představují například služby Apple Pay a Google Pay. Vedení společnosti se zároveň snaží podpořit cenu akcií firmy v situaci, kdy její růst zpomaluje. Spojením firem Stripe a PayPal, dvou z nejvyužívanějších platebních platforem pro internetové obchodníky, by vznikla jedna z největších světových společností pro on-line platby s ročním objemem zpracovaných transakcí kolem 3,7 bilionu dolarů (76,7 bilionu Kč).
PayPal v roce 2023 poprvé po deseti letech vyměnil generálního ředitele, stal se jím Alex Chriss. Letos v březnu ho vystřídal Enrique Lores, který zahájil rozsáhlou restrukturalizaci s cílem zjednodušit fungování podniku a více se zaměřit na růst. V dubnu PayPal rozdělil své aktivity do tří divizí, které pokrývají platební proces při nákupu, spotřebitelské finanční služby Venmo a oblast plateb a kryptoměn. Zároveň firma provedla řadu změn ve vedení.
Společnost PayPal byla založena koncem 90. let a patřila k průkopníkům digitálních plateb, k zakladatelům patřil i podnikatel Elon Musk, v současné době nejbohatší člověk světa. V posledních letech ale PayPal čelí sílící konkurenci alternativních platebních metod a služeb. Tržní hodnota společnosti dosáhla vrcholu přibližně 360 miliard dolarů v roce 2021, letos klesla až zhruba na 36 miliard dolarů. Za posledních 12 měsíců firma ztratila více než 40 procent své tržní hodnoty.
Akcie PayPal ve čtvrtek vzrostly o 1,71 % na 62,30 USD, protože trh dál spekuluje o možném prodeji firmy. Podle zprávy se o koupi jedná se Stripe a Advent International.
PayPal Holdings Inc (NASDAQ:PYPL) shares closed higher on Thursday as deal chatter continued around a potential sale process.
PayPal Holdings shares are trending higher. Why are PYPL shares climbing? A recent report says Stripe and Advent International are in talks to buy PayPal after a July proposal of $60.50 per share was viewed as too low, with negotiations now centered on a potentially higher price.
The same report said a deal could come together within weeks (though not guaranteed) and that the earlier $60.50 proposal valued PayPal at roughly $53 billion.
New Higher Education Integrations Support Core ExpansionPayPal meanwhile announced on Wednesday that it is expanding its footprint into higher education payments. Through new integrations with major campus payment processors, including Illumia, Nelnet Campus Commerce and TouchNet, students and families can now pay tuition and university fees directly using PayPal and Venmo.
Critical Levels To Watch for PYPL StockFrom a trend perspective, PayPal is extended to the upside: it’s trading about 6% above its 20-day SMA ($59.06) and more than 21% above both its 50-day SMA ($51.61) and 200-day SMA ($51.48). That "air pocket" versus the longer moving averages can keep momentum traders interested, but it also raises the odds of sharper pullbacks if the deal narrative cools.
RSI is the cleaner momentum read right now, sitting at 75.32, which signals the move is getting stretched and buyers may be chasing. RSI measures how "overheated" a rally is versus recent price action, and readings above 70 often line up with consolidation or a reset rather than a straight-line continuation.
Key Resistance: $63 — Nearby round-number area where upside attempts can stall. Key Support: $58 — Nearby level that sits close to the 20-day area and a spot buyers have recently defended. PayPal Holdings Benzinga Edge Scorecard BreakdownBelow is the Benzinga Edge scorecard for PayPal, highlighting its strengths and weaknesses compared to the broader market:
Momentum: Bullish (Score: 82.51) — The stock is showing strong relative strength versus the broader market, consistent with its position above key moving averages. Quality: Neutral (Score: 45.59) — Fundamentals screen as middle-of-the-pack, so price action is doing more of the work than a "quality premium" narrative. Value: Strong (Score: 71.75) — The setup leans value-friendly on this model, which can matter if the market stays choppy and investors rotate toward cheaper cash-flow stories. Growth: Neutral (Score: 32.35) — Growth is the weaker pillar here, which can cap upside if the market shifts back to paying up for faster growers. The Verdict: PayPal’s Benzinga Edge signal reveals a momentum-driven story with supportive value characteristics. The main near-term risk is that the chart is stretched (overbought RSI), so traders may want to see whether strength holds above the $58.00 support zone on any pullback.
Price Action for PYPL Stock TodayPYPL Stock Price Activity: PayPal Holdings shares closed higher by 1.71% to $62.30 Thursday, according to Benzinga Pro data.
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BlackRock Inc. purchased a new stake in shares of PayPal Holdings, Inc. (NASDAQ:PYPL – Free Report) during the 2nd quarter, according to the company in its most recent 13F filing with the Securities & Exchange Commission. The firm purchased 74,965,012 shares of the credit services provider’s stock, valued at approximately $3,236,989,000. BlackRock Inc. owned 8.76% of PayPal at the end of the most recent quarter.
Several other institutional investors and hedge funds have also recently made changes to their positions in the company. Bard Associates Inc. bought a new position in PayPal during the 4th quarter worth about $25,000. Allied Private Wealth LLC purchased a new position in PayPal in the second quarter valued at about $25,000. Robinswood Financial LLC bought a new position in PayPal in the first quarter worth about $26,000. Caitong International Asset Management Co. Ltd raised its holdings in PayPal by 15,233.3% in the fourth quarter. Caitong International Asset Management Co. Ltd now owns 460 shares of the credit services provider’s stock worth $27,000 after purchasing an additional 457 shares in the last quarter. Finally, Safe Harbor Fiduciary LLC purchased a new stake in shares of PayPal during the fourth quarter valued at about $28,000. 68.32% of the stock is currently owned by institutional investors.
More PayPal News Here are the key news stories impacting PayPal this week:
Positive Sentiment: Takeover interest supports valuation. PayPal is reportedly in renewed sale discussions with a consortium involving Stripe and Advent International. The group previously submitted a bid of approximately $60.50 per share, while one analysis suggested a potential sale value of $70–$80 per share. PayPal reportedly in sale talks with consortium including Stripe and Advent PayPal Could Be Sold For $70-$80/Share Positive Sentiment: Analysts see potential beyond PayPal’s checkout business. Piper Sandler raised its price target by more than 40% to $59, citing value in PayPal’s broader platform, although it retained a Neutral rating. Piper Sandler sees value beyond checkout Positive Sentiment: Operating trends remain mixed but constructive. Recent coverage points to total payment volume and Venmo growth, while PayPal’s latest reported quarter exceeded consensus estimates for earnings and revenue. Should You Buy, Sell or Hold PayPal Stock Neutral Sentiment: BNPL weakness has not materially spread to PayPal. Klarna’s outlook reduction triggered a sharp selloff in its shares, but PayPal and Affirm were described as largely shrugging off the news, suggesting limited immediate read-through for PayPal. Klarna craters on guidance cut while Affirm and PayPal shrug it off Negative Sentiment: Core checkout growth and competition remain concerns. Analysts cautioned that weak checkout expansion and pressure from rivals could undermine the turnaround, tempering the bullish impact of takeover rumors. TikTok’s exploration of peer-to-peer payments also highlights growing competition for digital-payment activity. TikTok explores peer-to-peer payments via direct messages Insider Transactions at PayPal In related news, insider Suzan Kereere sold 3,379 shares of the firm’s stock in a transaction dated Wednesday, June 3rd. The shares were sold at an average price of $42.79, for a total transaction of $144,587.41. Following the completion of the sale, the insider directly owned 30,983 shares in the company, valued at approximately $1,325,762.57. This trade represents a 9.83% decrease in their ownership of the stock. The transaction was disclosed in a document filed with the Securities & Exchange Commission, which is accessible through this link. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Also, insider Frank Keller sold 4,612 shares of the firm’s stock in a transaction dated Wednesday, June 3rd. The stock was sold at an average price of $42.54, for a total value of $196,194.48. Following the sale, the insider directly owned 41,567 shares of the company’s stock, valued at $1,768,260.18. The trade was a 9.99% decrease in their ownership of the stock. Additional details regarding this sale are available in the official SEC disclosure. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Insiders have sold a total of 10,612 shares of company stock worth $484,534 in the last quarter. Company insiders own 0.63% of the company’s stock. PayPal Stock Down 0.1% Shares of PYPL opened at $60.43 on Wednesday. The stock has a 50 day moving average price of $50.89 and a 200 day moving average price of $47.29. The company has a debt-to-equity ratio of 0.55, a quick ratio of 1.29 and a current ratio of 1.29. The stock has a market capitalization of $51.70 billion, a price-to-earnings ratio of 11.42, a PEG ratio of 1.51 and a beta of 1.29. PayPal Holdings, Inc. has a one year low of $38.46 and a one year high of $79.21.
PayPal (NASDAQ:PYPL – Get Free Report) last issued its earnings results on Tuesday, July 28th. The credit services provider reported $1.38 EPS for the quarter, beating analysts’ consensus estimates of $1.28 by $0.10. The business had revenue of $8.68 billion during the quarter, compared to analysts’ expectations of $8.47 billion. PayPal had a net margin of 14.36% and a return on equity of 24.39%. The company’s quarterly revenue was up 4.8% compared to the same quarter last year. During the same period in the prior year, the business earned $1.40 earnings per share. Equities research analysts forecast that PayPal Holdings, Inc. will post 5.37 earnings per share for the current fiscal year.
PayPal Dividend Announcement The business also recently declared a quarterly dividend, which will be paid on Friday, September 25th. Stockholders of record on Friday, September 4th will be issued a dividend of $0.14 per share. This represents a $0.56 annualized dividend and a dividend yield of 0.9%. The ex-dividend date is Friday, September 4th. PayPal’s payout ratio is currently 10.59%.
Analyst Upgrades and Downgrades A number of analysts have recently weighed in on PYPL shares. Weiss Ratings reissued a “hold (c-)” rating on shares of PayPal in a research report on Wednesday, August 5th. UBS Group set a $45.00 price target on PayPal in a research note on Wednesday, July 29th. Clear Str upgraded shares of PayPal to a “hold” rating in a research note on Thursday, July 16th. Truist Financial set a $59.00 target price on shares of PayPal in a report on Wednesday, August 5th. Finally, Susquehanna boosted their target price on shares of PayPal from $63.00 to $67.00 and gave the company a “positive” rating in a research report on Wednesday, July 29th. Nine analysts have rated the stock with a Buy rating, thirty-four have issued a Hold rating and four have issued a Sell rating to the stock. According to MarketBeat.com, the company presently has a consensus rating of “Hold” and a consensus target price of $56.19.
Read Our Latest Analysis on PYPL
PayPal Profile (Free Report)
PayPal Holdings, Inc operates a global digital payments platform that enables consumers and merchants to send and receive payments online, on mobile devices and at the point of sale. The company provides a broad set of payment solutions, including a digital wallet, merchant payment processing, checkout services, invoicing and fraud-management tools. PayPal’s platform is designed to support e-commerce, in-person retail and person-to-person transfers, targeting both individual consumers and businesses of varying sizes.
Key products and services in PayPal’s portfolio include the PayPal wallet and checkout ecosystem, the Venmo peer-to-peer mobile app, Braintree’s developer-focused payment gateway, Xoom for international money transfers, and PayPal Credit and buy-now-pay-later options.
Featured Articles Five stocks we like better than PayPal The AI Boom Is Turning This Cable Maker Into a Stock to Watch A Star Investor Just Trimmed Amazon—Here’s What It means Wendy’s Deal Buzz May Give Fast-Food Investors a New Reason to Look Home Depot Analysts See a Path to $375 and Beyond Want to see what other hedge funds are holding PYPL? Visit HoldingsChannel.com to get the latest 13F filings and insider trades for PayPal Holdings, Inc. (NASDAQ:PYPL – Free Report).
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Jednání o koupi PayPalu společností Stripe a Advent se podle WSJ znovu rozjíždějí a dohoda může vzniknout v příštích týdnech. V červenci nabídly 60,50 USD za akcii, čímž byla hodnota PayPalu oceněna na 53 miliard USD.
Image Credits:CFOTO/Future Publishing / Getty Images PayPal CEO Enrique Lores’ turnaround plan for the fintech company could include a sale — of itself.
The prospect first popped in July when Stripe and private equity giant Advent offered to buy PayPal for $60.50 a share in a deal that would have valued it at $53 billion, the Wall Street Journal reported at the time.
PayPal balked. But apparently, negotiations never stopped and a deal could come together in the coming weeks, according to new reporting by the WSJ, which cited unnamed sources.
PayPal declined to comment on the report. A Stripe spokesperson said the company doesn’t “comment on rumors or speculation.”
The negotiations are taking place as Lores attempts to save the company from its lagging trajectory.
Lores joined PayPal in March, after spending years at HP. In April, Lores made the first moves in his turnaround plan, including an executive shuffle and splitting the business into three operating models: checkout solutions and PayPal, consumer financial services (and Venmo), and payment services and crypto. A month later, Lores told investors that PayPal would recommit to the fundamentals,” which included “becoming a technology company again.”
PayPal’s turnaround will also include a cost-saving plans, which is expected to reduce its workforce by 20% over the next two to three years.
PayPal was founded in 1998 by a number of men who went on to be Silicon Valley luminaries, including Peter Thiel, Elon Musk, Max Levchin, Luke Nosek, and others. The company has struggled in recent years, after ballooning during the pandemic due to an e-commerce boom.
PayPal míří na nejméně 1,5 mld. USD hrubé úspory během příštích dvou až tří let, přičemž asi 40 % má přijít z produktivity řízené AI. Část úspor chce znovu investovat do Venmo, BNPL a finančních služeb.
Key Takeaways PayPal targets at least $1.5B in gross run-rate savings over the next two to three years.AI-led productivity gains are expected to drive about 40% of total savings, the largest share.PayPal plans to reinvest much of the savings in Venmo, BNPL and financial services.
PayPal Holdings’ (PYPL - Free Report) cost savings plan is taking center stage as the company works to improve profitability. It is on track to deliver at least $1.5 billion in gross run-rate savings over the next two to three years. About $400 million of new run-rate savings are targeted by the end of 2026.
The savings plan comes as profitability faces pressure. In the second quarter of 2026, PayPal generated revenues of $8.68 billion, up 5% year over year, but non-GAAP operating income fell 8% to $1.51 billion. Non-GAAP operating margin dropped to 17.4% from 19.8%, highlighting the importance of improving cost efficiency.
The plan has three main drivers: a simpler structure, operational and portfolio changes, and wider use of artificial intelligence (AI). PayPal expects roughly 20-30% of total savings from structure and alignment, 30-40% from operating improvement and about 40% from AI-led productivity gains across the business.
AI is expected to be the largest contributor to the savings plan, and PayPal is already seeing productivity gains from its technology initiatives. The company’s AI-assisted coding is already improving productivity, while implementation time has fallen 25%. Management is also moving more infrastructure to the cloud and combining platforms to reduce complexity. These changes are designed to lower costs while helping teams release products faster.
PayPal is not planning to bank all those savings. Much of the money is expected to be reinvested in areas such as financial services, Buy Now Pay Later and Venmo. That makes execution important because savings must translate into stronger growth over time.
How Are Intuit & Block Restructuring?Intuit (INTU - Free Report) is tightening costs while reshaping its business around AI and faster decision-making. Its 2026 restructuring plan includes reducing management layers, cutting overlapping roles, consolidating locations and shifting resources toward core growth areas. The company expects to reduce its full-time workforce by approximately 17% under the plan by the first fiscal quarter ending Oct. 31, 2026.
Block (XYZ - Free Report) is pursuing an even sharper efficiency push, using AI to support a smaller, flatter organization. The company is restructuring its workforce while increasing automation and product-development speed, arguing that smaller teams can now accomplish more.
PYPL’s Price Performance, Valuation & EstimatesShares of PayPal have gained 34.6% in the past three months compared to the broader industry and the S&P 500 Index.
Image Source: Zacks Investment Research
From a valuation standpoint, PayPal’s shares are trading cheaply, as suggested by the Value Score of A. In terms of forward 12-month P/E, PYPL stock is trading at 10.75X, which is at a significant discount to the Zacks Financial Transaction Services industry’s 18.92X.
Image Source: Zacks Investment Research
PayPal’s estimate revisions reflect a positive trend. The Zacks Consensus Estimate for full-year 2026 EPS has been revised upward to $5.37 in the past month. The consensus estimate for the metric indicates a year-over-year increase of 1.13%.
Image Source: Zacks Investment Research
PayPal currently carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
PayPal ve 2. čtvrtletí zvýšil TPV o 10 % na 486 miliard USD, ale branded checkout vzrostl jen o 2 %. Slabý růst tohoto klíčového segmentu dál brzdí akcie.
At a high level, PayPal (PYPL -0.97%) has the characteristics of a successful business. Its 228 million monthly active users consist of merchants and individuals, supporting a global network effect. Analysts expect it will generate $6 billion in free cash flow in 2026 on $34.7 billion in revenue. And the company is a leading force in digital payments, having been in business for more than two decades.
Perhaps no metric demonstrates its success more than total payment volume (TPV), which rose 10% year over year in Q2 (ended June 30) to $486 billion. This key figure keeps rising every year.
But the fintech stock remains a wildly disappointing investment. It's trading down 81% from its 2021 peak (as of Aug. 12). Here's what might be causing this losing streak.
Image source: PayPal.
Branded checkout weakness During the second quarter, TPV at Venmo surged 14% year over year. The payment service provider line, with contribution from Braintree, saw TPV grow 13%. However, PayPal's overall revenue was only up 5%.
Investor attention should turn to the company's online branded checkout solution. This includes PayPal-branded checkout, Pay with Venmo, and eBay. It has been the most lucrative segment in the past.
Its performance has been subpar, particularly after the 2018-2021 period, when it registered 26% annualized TPV growth. TPV rose by just 5% in 2022. That weakness hasn't improved, as branded checkout TPV climbed 2% in the second quarter, accounting for 28% of PayPal's entire TPV.
Branded online checkout is PayPal's crown jewel. When consumers are ready to pay at an online merchant, a dedicated PayPal button allows them to pay seamlessly without entering payment details or a shipping address.
It's the most profitable part of the business. Therefore, its performance impacts PayPal's financials. Transaction margin dollars increased by just 1% last quarter, a rate that should be higher if branded checkout were doing better.
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Competition is playing a part Management is striking an upbeat tone. "We're also raising our expectation for online branded checkout to the low-single-digit range for the year," CEO Enrique Lores said on the Q2 2026 earnings call. I don't believe this still muted pace of growth will propel the share price.
PayPal's stock has traded at a beaten-down valuation for some time. The market isn't bullish, though. Competition in the digital payments landscape is intense, especially from the likes of Apple Pay, which has an estimated 900 million global users.
It's impossible to know whether or when PayPal's branded checkout solution can return to robust growth. For the stock to be a winner, however, this segment needs to perform significantly better.
Neil Patel has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Apple, PayPal, and eBay. The Motley Fool recommends the following options: short September 2026 $47.50 calls on PayPal. The Motley Fool has a disclosure policy.
Venmo ve 2. čtvrtletí zvýšil TPV o 14 % meziročně a už sedmý kvartál za sebou rostl dvouciferným tempem. PayPal uvedl, že monetizace Venma pomohla růstu transakční marže.
Key Takeaways PayPal's Venmo TPV rose 14% in Q2, marking a seventh straight quarter of double-digit growth.Venmo Debit Card MAA grew over 50%, while Pay with Venmo MAA increased about 30% year over year.PYPL says Venmo monetization helped drive transaction-margin growth as it expands beyond branded checkout. PayPal Holdings, Inc.’s (PYPL - Free Report) Venmo is becoming a bigger part of the company’s growth story as it pushes beyond peer-to-peer payments. In the second quarter of 2026, Venmo's total payment volume (TPV) rose 14% year over year, marking a seventh straight quarter of double-digit growth. Management said Venmo and Braintree were growing TPV in the mid-teens, as PayPal seeks to diversify growth beyond branded checkout.
Venmo Debit Card monthly active accounts (MAA) grew more than 50% year over year, while Pay with Venmo MAA rose about 30%. Pay with Venmo grew 44%, well above PayPal’s 2% currency-neutral growth in online branded checkout, showing stronger use of the app beyond money transfers.
Monetization improves when customers adopt more Venmo products. Customers using both Venmo Debit and Pay with Venmo generated more than nine times the average revenue per account of peer-to-peer-only users. This customer group has roughly doubled in size over the past year, giving management a path to lift revenues without depending on account growth.
PayPal is rebuilding the Venmo app to improve product discovery and engagement. Venmo feature development accelerated fourfold in the first half of 2026. Management plans to bring more PayPal financial-services capabilities into Venmo, using shared technology, identity and risk systems.
Venmo’s progress matters because PayPal is looking for faster growth outside branded checkout. In the second quarter of 2026, the company reported TPV of $486.4 billion, up 10%, while transaction margin dollars excluding interest on customer balances grew 3%. Management said Venmo monetization was one of the drivers of transaction-margin growth.
How Are Block & Apple Doing in the Payments Space?Block, Inc.’s (XYZ - Free Report) Cash App supports peer-to-peer transfers, spending and merchant payments. In June 2026, Block introduced Cash App Tags, NFC-enabled accessories linked to Cash App Card, expanding contactless payments beyond phones and cards. Cash App serves roughly 59 million monthly transacting active users. In second-quarter 2026, Cash App gross profit grew 31% year over year to $1.97 billion.
Apple (AAPL - Free Report) continues to broaden the utility of its payments ecosystem through Apple Pay, Apple Wallet and Tap to Pay, making the iPhone an increasingly important platform for both consumers and merchants. In June 2026, Apple announced Visual Intelligence for splitting bills with Apple Cash and a redesigned Apple Pay checkout.
PYPL’s Price Performance, Valuation & EstimatesShares of PayPal have gained 29.1% in the past three months, underperforming both the broader industry and the S&P 500 Index.
Image Source: Zacks Investment Research
From a valuation standpoint, PayPal shares are trading cheaply, as suggested by the Value Score of A. In terms of forward 12-month P/E, PYPL stock is trading at 10.47X, which is at a significant discount to the Zacks Financial Transaction Services industry’s 18.66X.
Image Source: Zacks Investment Research
PayPal’s estimate revisions reflect a positive trend. The Zacks Consensus Estimate for full-year 2026 EPS has been revised upward to $5.37 over the past week. The consensus estimate for the metric indicates a year-over-year increase.
Image Source: Zacks Investment Research
PayPal currently carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
Assenagon Asset Management S.A. ve 2. čtvrtletí zvýšila podíl v PayPalu o 50,8 % na 163 691 akcií v hodnotě 7,068 milionu USD. PayPal zároveň oznámila čtvrtletní dividendu ve výši 0,14 USD na akcii.
Assenagon Asset Management S.A. grew its holdings in shares of PayPal Holdings, Inc. (NASDAQ:PYPL – Free Report) by 50.8% during the second quarter, according to the company in its most recent disclosure with the SEC. The fund owned 163,691 shares of the credit services provider’s stock after buying an additional 55,112 shares during the quarter. Assenagon Asset Management S.A.’s holdings in PayPal were worth $7,068,000 at the end of the most recent reporting period.
Other hedge funds and other institutional investors have also recently modified their holdings of the company. Brighton Jones LLC grew its holdings in shares of PayPal by 15.2% in the fourth quarter. Brighton Jones LLC now owns 6,989 shares of the credit services provider’s stock worth $596,000 after purchasing an additional 924 shares during the last quarter. Revolve Wealth Partners LLC bought a new stake in PayPal during the 4th quarter valued at about $248,000. Sivia Capital Partners LLC boosted its position in PayPal by 41.5% in the 2nd quarter. Sivia Capital Partners LLC now owns 4,470 shares of the credit services provider’s stock valued at $332,000 after buying an additional 1,310 shares during the period. United Bank boosted its position in PayPal by 40.1% in the 2nd quarter. United Bank now owns 17,388 shares of the credit services provider’s stock valued at $1,292,000 after buying an additional 4,974 shares during the period. Finally, Federated Hermes Inc. grew its stake in PayPal by 17.9% in the 2nd quarter. Federated Hermes Inc. now owns 18,909 shares of the credit services provider’s stock worth $1,405,000 after acquiring an additional 2,865 shares in the last quarter. 68.32% of the stock is currently owned by hedge funds and other institutional investors.
PayPal Stock Performance Shares of PayPal stock opened at $59.00 on Wednesday. The company has a market capitalization of $50.47 billion, a PE ratio of 11.15, a P/E/G ratio of 1.44 and a beta of 1.29. The company has a debt-to-equity ratio of 0.55, a quick ratio of 1.29 and a current ratio of 1.29. The company has a 50-day simple moving average of $49.03 and a two-hundred day simple moving average of $47.13. PayPal Holdings, Inc. has a one year low of $38.46 and a one year high of $79.21.
PayPal (NASDAQ:PYPL – Get Free Report) last released its quarterly earnings results on Tuesday, July 28th. The credit services provider reported $1.38 earnings per share for the quarter, beating analysts’ consensus estimates of $1.28 by $0.10. PayPal had a net margin of 14.36% and a return on equity of 24.39%. The business had revenue of $8.68 billion for the quarter, compared to analysts’ expectations of $8.47 billion. During the same period last year, the business earned $1.40 EPS. The company’s revenue was up 4.8% compared to the same quarter last year. Research analysts expect that PayPal Holdings, Inc. will post 5.37 EPS for the current fiscal year.
PayPal Dividend Announcement The company also recently announced a quarterly dividend, which will be paid on Friday, September 25th. Shareholders of record on Friday, September 4th will be paid a $0.14 dividend. This represents a $0.56 annualized dividend and a yield of 0.9%. The ex-dividend date is Friday, September 4th. PayPal’s dividend payout ratio (DPR) is 10.59%.
Wall Street Analyst Weigh In A number of equities analysts have recently commented on PYPL shares. Mizuho raised their target price on shares of PayPal from $50.00 to $60.00 and gave the stock a “neutral” rating in a research report on Wednesday, July 29th. Royal Bank Of Canada boosted their price target on PayPal from $59.00 to $65.00 and gave the company an “outperform” rating in a report on Wednesday, July 29th. TD Cowen increased their price objective on PayPal from $48.00 to $59.00 and gave the stock a “hold” rating in a research note on Wednesday, July 29th. HSBC assumed coverage on PayPal in a report on Friday, July 24th. They set a “buy” rating on the stock. Finally, Citigroup lifted their target price on PayPal from $48.00 to $61.00 and gave the company a “neutral” rating in a research report on Wednesday, July 29th. Nine investment analysts have rated the stock with a Buy rating, thirty-four have assigned a Hold rating and four have given a Sell rating to the stock. Based on data from MarketBeat, the stock has an average rating of “Hold” and an average target price of $55.72.
Check Out Our Latest Analysis on PayPal
Trending Headlines about PayPal Here are the key news stories impacting PayPal this week:
Positive Sentiment: Strong quarterly results support the recovery story. PayPal reported second-quarter 2026 sales of approximately $8.68 billion and net income of $1.10 billion. Its prior earnings release showed adjusted EPS of $1.38, above the $1.28 consensus estimate, while revenue also exceeded expectations and increased 4.8% year over year. Is PayPal Holdings Undervalued After Earnings and Its Recent Share Price Jump? Positive Sentiment: Analyst upgrades and valuation appeal are attracting buyers. PayPal was among the most-upgraded stocks in July, with the upgrades attributed to its earnings performance and a reported buyout offer. The stock’s relatively low valuation—approximately 11 times earnings based on the supplied data—may also be encouraging investors after its recent gains. These 3 Most-Upgraded Stocks Have Almost Nothing to Do With AI Positive Sentiment: PayPal expanded its credit-card financing reach. A partnership with Synchrony now makes six-month promotional financing available to eligible PayPal Credit Card holders for purchases of at least $149 across the Mastercard network, both online and in stores. Broader usage could support transaction volume and customer engagement, although it also carries credit and execution risks. Synchrony and PayPal Bring Special Financing to the Entire Mastercard Network Neutral Sentiment: M&A speculation remains an important but unconfirmed catalyst. Jim Cramer cited market reaction to a reported private-fintech buyout proposal and highlighted perceived operational improvements under CEO Enrique Lores. No completed transaction or definitive offer was reported, leaving the potential catalyst—and its premium—uncertain. Jim Cramer Examines PayPal Holdings Performance and M&A Speculation Neutral Sentiment: Short-interest data is not usable. The reported August figure of zero shares and a “NaN” percentage change conflicts with the description of a large increase, so it provides no reliable signal about short-covering or bearish positioning. Insiders Place Their Bets In other news, insider Suzan Kereere sold 3,379 shares of the stock in a transaction on Wednesday, June 3rd. The stock was sold at an average price of $42.79, for a total transaction of $144,587.41. Following the completion of the sale, the insider owned 30,983 shares in the company, valued at approximately $1,325,762.57. This represents a 9.83% decrease in their position. The sale was disclosed in a document filed with the SEC, which is accessible through this hyperlink. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Also, CAO Chris Natali sold 1,337 shares of the firm’s stock in a transaction on Wednesday, July 29th. The stock was sold at an average price of $58.10, for a total value of $77,679.70. Following the completion of the sale, the chief accounting officer directly owned 2,216 shares of the company’s stock, valued at $128,749.60. The trade was a 37.63% decrease in their position. The SEC filing for this sale provides additional information. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Over the last three months, insiders have sold 10,612 shares of company stock valued at $484,534. 0.63% of the stock is currently owned by insiders.
About PayPal (Free Report)
PayPal Holdings, Inc operates a global digital payments platform that enables consumers and merchants to send and receive payments online, on mobile devices and at the point of sale. The company provides a broad set of payment solutions, including a digital wallet, merchant payment processing, checkout services, invoicing and fraud-management tools. PayPal’s platform is designed to support e-commerce, in-person retail and person-to-person transfers, targeting both individual consumers and businesses of varying sizes.
Key products and services in PayPal’s portfolio include the PayPal wallet and checkout ecosystem, the Venmo peer-to-peer mobile app, Braintree’s developer-focused payment gateway, Xoom for international money transfers, and PayPal Credit and buy-now-pay-later options.
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CoreCap Advisors LLC lowered its holdings in PayPal Holdings, Inc. (NASDAQ:PYPL – Free Report) by 72.1% in the second quarter, according to the company in its most recent disclosure with the SEC. The firm owned 4,429 shares of the credit services provider’s stock after selling 11,442 shares during the quarter. CoreCap Advisors LLC’s holdings in PayPal were worth $191,000 as of its most recent filing with the SEC.
Other institutional investors also recently made changes to their positions in the company. Norges Bank acquired a new position in PayPal during the fourth quarter worth about $949,758,000. Bank of America Corp DE boosted its stake in shares of PayPal by 67.9% during the 1st quarter. Bank of America Corp DE now owns 25,614,720 shares of the credit services provider’s stock worth $1,158,554,000 after acquiring an additional 10,356,256 shares in the last quarter. Amundi grew its holdings in shares of PayPal by 227.6% in the 1st quarter. Amundi now owns 13,804,208 shares of the credit services provider’s stock worth $624,364,000 after acquiring an additional 9,590,488 shares during the period. Vanguard Group Inc. grew its holdings in shares of PayPal by 6.5% in the 4th quarter. Vanguard Group Inc. now owns 90,376,927 shares of the credit services provider’s stock worth $5,276,205,000 after acquiring an additional 5,534,462 shares during the period. Finally, SG Americas Securities LLC increased its stake in PayPal by 355.1% in the 1st quarter. SG Americas Securities LLC now owns 4,967,170 shares of the credit services provider’s stock valued at $224,665,000 after purchasing an additional 3,875,688 shares in the last quarter. 68.32% of the stock is currently owned by hedge funds and other institutional investors.
More PayPal News Here are the key news stories impacting PayPal this week:
Positive Sentiment: Strong quarterly results support the recovery story. PayPal reported second-quarter 2026 sales of approximately $8.68 billion and net income of $1.10 billion. Its prior earnings release showed adjusted EPS of $1.38, above the $1.28 consensus estimate, while revenue also exceeded expectations and increased 4.8% year over year. Is PayPal Holdings Undervalued After Earnings and Its Recent Share Price Jump? Positive Sentiment: Analyst upgrades and valuation appeal are attracting buyers. PayPal was among the most-upgraded stocks in July, with the upgrades attributed to its earnings performance and a reported buyout offer. The stock’s relatively low valuation—approximately 11 times earnings based on the supplied data—may also be encouraging investors after its recent gains. These 3 Most-Upgraded Stocks Have Almost Nothing to Do With AI Positive Sentiment: PayPal expanded its credit-card financing reach. A partnership with Synchrony now makes six-month promotional financing available to eligible PayPal Credit Card holders for purchases of at least $149 across the Mastercard network, both online and in stores. Broader usage could support transaction volume and customer engagement, although it also carries credit and execution risks. Synchrony and PayPal Bring Special Financing to the Entire Mastercard Network Neutral Sentiment: M&A speculation remains an important but unconfirmed catalyst. Jim Cramer cited market reaction to a reported private-fintech buyout proposal and highlighted perceived operational improvements under CEO Enrique Lores. No completed transaction or definitive offer was reported, leaving the potential catalyst—and its premium—uncertain. Jim Cramer Examines PayPal Holdings Performance and M&A Speculation Neutral Sentiment: Short-interest data is not usable. The reported August figure of zero shares and a “NaN” percentage change conflicts with the description of a large increase, so it provides no reliable signal about short-covering or bearish positioning. Analysts Set New Price Targets A number of analysts have commented on the company. Clear Str upgraded PayPal to a “hold” rating in a research report on Thursday, July 16th. BTIG Research reiterated a “neutral” rating on shares of PayPal in a research report on Wednesday, July 15th. BNP Paribas Exane boosted their price objective on shares of PayPal from $43.50 to $52.00 and gave the stock a “neutral” rating in a research report on Tuesday, July 21st. Piper Sandler lowered their price objective on shares of PayPal from $46.00 to $42.00 and set a “neutral” rating on the stock in a research note on Monday, June 29th. Finally, BMO Capital Markets started coverage on shares of PayPal in a report on Tuesday, April 21st. They set a “market perform” rating and a $52.00 target price for the company. Nine equities research analysts have rated the stock with a Buy rating, thirty-four have assigned a Hold rating and four have given a Sell rating to the stock. Based on data from MarketBeat.com, the company currently has an average rating of “Hold” and a consensus target price of $55.72.
View Our Latest Analysis on PYPL
Insider Transactions at PayPal In other news, insider Frank Keller sold 732 shares of the stock in a transaction dated Wednesday, July 29th. The stock was sold at an average price of $58.10, for a total value of $42,529.20. Following the completion of the sale, the insider owned 41,567 shares in the company, valued at approximately $2,415,042.70. This trade represents a 1.73% decrease in their ownership of the stock. The transaction was disclosed in a filing with the Securities & Exchange Commission, which can be accessed through this link. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Also, insider Suzan Kereere sold 3,379 shares of the firm’s stock in a transaction dated Wednesday, June 3rd. The shares were sold at an average price of $42.79, for a total value of $144,587.41. Following the sale, the insider owned 30,983 shares in the company, valued at approximately $1,325,762.57. The trade was a 9.83% decrease in their ownership of the stock. Additional details regarding this sale are available in the official SEC disclosure. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Insiders sold 10,612 shares of company stock valued at $484,534 over the last quarter. Company insiders own 0.63% of the company’s stock.
PayPal Price Performance PayPal stock opened at $59.00 on Wednesday. PayPal Holdings, Inc. has a 52-week low of $38.46 and a 52-week high of $79.21. The firm has a fifty day moving average of $49.03 and a 200-day moving average of $47.13. The firm has a market capitalization of $50.47 billion, a P/E ratio of 11.15, a PEG ratio of 1.44 and a beta of 1.29. The company has a quick ratio of 1.29, a current ratio of 1.29 and a debt-to-equity ratio of 0.55.
PayPal (NASDAQ:PYPL – Get Free Report) last posted its earnings results on Tuesday, July 28th. The credit services provider reported $1.38 earnings per share for the quarter, beating the consensus estimate of $1.28 by $0.10. PayPal had a net margin of 14.36% and a return on equity of 24.39%. The business had revenue of $8.68 billion for the quarter, compared to analyst estimates of $8.47 billion. During the same quarter in the previous year, the business posted $1.40 EPS. The business’s quarterly revenue was up 4.8% on a year-over-year basis. As a group, analysts predict that PayPal Holdings, Inc. will post 5.37 EPS for the current year.
PayPal Dividend Announcement The business also recently announced a quarterly dividend, which will be paid on Friday, September 25th. Stockholders of record on Friday, September 4th will be given a $0.14 dividend. The ex-dividend date of this dividend is Friday, September 4th. This represents a $0.56 annualized dividend and a dividend yield of 0.9%. PayPal’s dividend payout ratio is presently 10.59%.
About PayPal (Free Report)
PayPal Holdings, Inc operates a global digital payments platform that enables consumers and merchants to send and receive payments online, on mobile devices and at the point of sale. The company provides a broad set of payment solutions, including a digital wallet, merchant payment processing, checkout services, invoicing and fraud-management tools. PayPal’s platform is designed to support e-commerce, in-person retail and person-to-person transfers, targeting both individual consumers and businesses of varying sizes.
Key products and services in PayPal’s portfolio include the PayPal wallet and checkout ecosystem, the Venmo peer-to-peer mobile app, Braintree’s developer-focused payment gateway, Xoom for international money transfers, and PayPal Credit and buy-now-pay-later options.
See Also Five stocks we like better than PayPal Atlassian Just Pulled Off the Software Comeback Wall Street Wanted AST SpaceMobile Earnings Just Reminded Investors How Risky Space Can Be NVIDIA’s Rally Sets Up a Bigger Test Ahead of Earnings Apple’s Next iPhone Could Test How Much Pricing Power Is Left Want to see what other hedge funds are holding PYPL? Visit HoldingsChannel.com to get the latest 13F filings and insider trades for PayPal Holdings, Inc. (NASDAQ:PYPL – Free Report).
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Synchrony a PayPal rozšířily speciální financování nákupů pro držitele PayPal Credit Card na celou síť Mastercard, a to online i v obchodech. Nabízí šest měsíců financování nákupů od 149 USD.
Synchrony and PayPal now offer PayPal Credit Card cardholders special financing everywhere Mastercard is accepted.
This special financing is now available both in online checkout and in stores across the Mastercard network. It offers six months special financing on purchases of $149 or more, with pay over time at millions of merchants and with everything managed in the PayPal app, PayPal said in a Monday (Aug. 10) post on LinkedIn.
Whit Goodrich, senior vice president and general manager, PayPal and Venmo at Synchrony, shared PayPal’s post in a Monday post and said: “As more customers look for flexible ways to pay, Synchrony has continued to expand where special financing can be used with the PayPal Credit Card. It’s another step toward making financing more seamless across all the places people shop, with everything managed in the PayPal app.”
According to a page to which PayPal linked in its post, the special financing on the PayPal Credit Card is available everywhere PayPal or Mastercard is accepted, has no impact on the cardholder’s credit score if declined, and is meant to be a “go-to for everyday purchases,” not an intro promotion.
Synchrony announced in June 2025 that PayPal introduced a new physical card, issued by Synchrony, that enables PayPal Credit to be used both online when checking out with PayPal and in-store and everywhere Mastercard is accepted.
Synchrony said at the time that PayPal Credit had become a favorite way to pay online, and that the physical card was designed to extend this financing option for in-store use.
Synchrony executives said during a January earnings call that Pay Later has become a central part of the company’s multiproduct strategy. The offering is now available at more than 6,200 merchants, and management said on the call that when Pay Later and revolving credit are presented together, partners see at least a 10% average increase in sales. They added that Pay Later customers are incremental rather than substitutive, without cannibalization of private-label and co-brand cards.
Even though Pay Later tends to start with single purchases, repeat behavior had begun to surface, executives said during the call.
PayPal ve 2. čtvrtletí překonal odhady: EPS činil 1,38 USD a tržby 8,68 miliardy USD. Firma zároveň zvýšila celoroční výhled upraveného zisku na 5,38 USD na akcii.
Arete Wealth Advisors LLC increased its stake in PayPal Holdings, Inc. (NASDAQ:PYPL – Free Report) by 273.2% in the 1st quarter, according to its most recent 13F filing with the Securities and Exchange Commission (SEC). The fund owned 24,804 shares of the credit services provider’s stock after purchasing an additional 18,158 shares during the period. Arete Wealth Advisors LLC’s holdings in PayPal were worth $1,121,000 as of its most recent SEC filing.
Several other large investors have also recently bought and sold shares of PYPL. Vanguard Group Inc. boosted its stake in PayPal by 6.5% during the 4th quarter. Vanguard Group Inc. now owns 90,376,927 shares of the credit services provider’s stock worth $5,276,205,000 after acquiring an additional 5,534,462 shares during the last quarter. Rule One Partners LLC bought a new stake in PayPal in the fourth quarter valued at approximately $2,043,000. Step Capital Management Pte. Ltd. bought a new position in shares of PayPal during the fourth quarter worth $6,130,000. Swiss National Bank boosted its position in shares of PayPal by 4.9% during the first quarter. Swiss National Bank now owns 2,608,600 shares of the credit services provider’s stock worth $117,987,000 after purchasing an additional 121,400 shares in the last quarter. Finally, Easterly Investment Partners LLC grew its holdings in shares of PayPal by 705.2% in the 4th quarter. Easterly Investment Partners LLC now owns 100,651 shares of the credit services provider’s stock valued at $5,876,000 after buying an additional 88,151 shares during the period. Institutional investors and hedge funds own 68.32% of the company’s stock.
Wall Street Analysts Forecast Growth Several research analysts have weighed in on the company. Deutsche Bank Aktiengesellschaft reiterated a “hold” rating and set a $45.00 target price on shares of PayPal in a report on Wednesday. Citigroup raised their price target on PayPal from $48.00 to $61.00 and gave the stock a “neutral” rating in a research report on Wednesday. The Goldman Sachs Group set a $50.00 price objective on PayPal in a report on Tuesday. Clear Str raised PayPal to a “hold” rating in a research note on Thursday, July 16th. Finally, Keefe, Bruyette & Woods raised their target price on shares of PayPal from $55.00 to $70.00 and gave the stock an “outperform” rating in a report on Wednesday. Nine research analysts have rated the stock with a Buy rating, thirty-four have assigned a Hold rating and four have assigned a Sell rating to the company’s stock. Based on data from MarketBeat.com, PayPal presently has a consensus rating of “Hold” and an average target price of $55.50.
View Our Latest Stock Report on PayPal
PayPal Trading Up 0.1% NASDAQ PYPL opened at $58.35 on Thursday. PayPal Holdings, Inc. has a 52 week low of $38.46 and a 52 week high of $79.21. The company has a debt-to-equity ratio of 0.55, a quick ratio of 1.26 and a current ratio of 1.29. The stock’s 50 day moving average price is $46.50 and its two-hundred day moving average price is $47.02. The stock has a market capitalization of $51.47 billion, a price-to-earnings ratio of 11.03, a PEG ratio of 1.46 and a beta of 1.33.
PayPal (NASDAQ:PYPL – Get Free Report) last issued its quarterly earnings results on Tuesday, July 28th. The credit services provider reported $1.38 earnings per share for the quarter, topping the consensus estimate of $1.28 by $0.10. PayPal had a net margin of 14.36% and a return on equity of 24.39%. The company had revenue of $8.68 billion during the quarter, compared to analysts’ expectations of $8.47 billion. During the same period last year, the business earned $1.40 EPS. The business’s quarterly revenue was up 4.8% on a year-over-year basis. As a group, analysts anticipate that PayPal Holdings, Inc. will post 5.31 earnings per share for the current fiscal year.
PayPal Announces Dividend The firm also recently disclosed a quarterly dividend, which will be paid on Friday, September 25th. Stockholders of record on Friday, September 4th will be paid a dividend of $0.14 per share. This represents a $0.56 dividend on an annualized basis and a dividend yield of 1.0%. The ex-dividend date is Friday, September 4th. PayPal’s dividend payout ratio is currently 10.51%.
Insider Transactions at PayPal In related news, insider Suzan Kereere sold 3,379 shares of the company’s stock in a transaction dated Wednesday, June 3rd. The stock was sold at an average price of $42.79, for a total transaction of $144,587.41. Following the sale, the insider owned 30,983 shares in the company, valued at approximately $1,325,762.57. This represents a 9.83% decrease in their ownership of the stock. The transaction was disclosed in a legal filing with the SEC, which is accessible through this hyperlink. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Also, insider Frank Keller sold 4,612 shares of the stock in a transaction that occurred on Wednesday, June 3rd. The shares were sold at an average price of $42.54, for a total value of $196,194.48. Following the transaction, the insider directly owned 41,567 shares of the company’s stock, valued at $1,768,260.18. This trade represents a 9.99% decrease in their ownership of the stock. The disclosure for this sale is available in the SEC filing. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. Over the last 90 days, insiders have sold 8,543 shares of company stock valued at $364,325. Company insiders own 0.63% of the company’s stock.
PayPal News Summary Here are the key news stories impacting PayPal this week:
Positive Sentiment: PayPal reported second-quarter adjusted EPS of $1.38, above the $1.28 consensus, while revenue rose 4.8% year over year to $8.68 billion, exceeding the $8.47 billion estimate. Total payment volume increased 10% to $486.4 billion. PayPal Reports Second Quarter 2026 Results Positive Sentiment: Management raised its full-year adjusted earnings outlook to $5.38 per share and highlighted improving branded checkout, Venmo growth, cost savings and investments in AI, digital identity and stablecoin-enabled payments. The guidance increase supports the view that CEO Enrique Lores’ turnaround is gaining traction. PayPal’s Q2 Earnings Call Focuses on Checkout Stability Positive Sentiment: Several analysts raised their price targets following the results. Keefe, Bruyette & Woods moved its target to $70 and upgraded PayPal to Outperform, while JPMorgan raised its target to $65 and retained a Neutral rating. PayPal also declared a quarterly dividend of $0.14 per share and repurchased approximately $1.5 billion of stock. Neutral Sentiment: Takeover speculation remains a catalyst. Stripe and Advent International reportedly offered $60.50 per share, but PayPal’s board viewed the proposal as too low. The company appears open to a higher offer while continuing its standalone turnaround, leaving investors to balance potential deal value against execution of the recovery plan. PayPal Leaves the Door Open to a Higher Takeover Offer Negative Sentiment: Wall Street remains divided. Goldman Sachs issued a Sell warning, while Wells Fargo, Baird, Canaccord, TD Cowen and other firms maintained Neutral or Hold ratings, citing slower branded-checkout growth, margin pressure from investment spending, competitive threats and execution risk. Several targets remain below the current share price. PayPal Stock Splits Wall Street PayPal Profile (Free Report)
PayPal Holdings, Inc operates a global digital payments platform that enables consumers and merchants to send and receive payments online, on mobile devices and at the point of sale. The company provides a broad set of payment solutions, including a digital wallet, merchant payment processing, checkout services, invoicing and fraud-management tools. PayPal’s platform is designed to support e-commerce, in-person retail and person-to-person transfers, targeting both individual consumers and businesses of varying sizes.
Key products and services in PayPal’s portfolio include the PayPal wallet and checkout ecosystem, the Venmo peer-to-peer mobile app, Braintree’s developer-focused payment gateway, Xoom for international money transfers, and PayPal Credit and buy-now-pay-later options.
See Also Five stocks we like better than PayPal Why SK hynix Could Be the Best AI Chip Stock to Buy Now Seagate Technology Stock Surges as Earnings Beat Silences AI Doubters Alphabet Is Down 18% From Its High After a Stellar Quarter—Overdone, or More Downside Ahead? Why Bloom Energy May Be the Most Important AI Infrastructure Stock Want to see what other hedge funds are holding PYPL? Visit HoldingsChannel.com to get the latest 13F filings and insider trades for PayPal Holdings, Inc. (NASDAQ:PYPL – Free Report).
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PayPal po lepších než čekaných výsledcích nevyloučil vyšší nabídku na převzetí, pokud by přinesla akcionářům vyšší hodnotu. Zisk na akcii byl 1,38 USD a tržby vzrostly o 5 % na 8,68 miliardy USD.
PayPal is seemingly still open to Stripe’s $53.4 billion takeover bid, just not at the price the latter had offered.
On the company’s Q2 2026 earnings call on Tuesday, PayPal CEO Enrique Lores didn’t fully shut down the idea of a deal, saying the company would consider a path that created “superior value” for its shareholders.
While that’s not the same as saying, “PayPal’s not for sale,” it still suggests the company doesn’t believe Stripe and Advent International’s current offer of $60.50 per share values it correctly, especially after the company reported better-than-expected profit and revenue, and said it had made progress on its turnaround strategy.
An analysis from financial services firm Cantor valued PayPal at closer to $70 per share. The company’s shares are currently trading at around $58.
PayPal reported adjusted profit of $1.38 per share, beating expectations of $1.28 per share. Revenue was up 5% year-over-year to $8.68 billion, above estimates of $8.47 billion. And adjusted free cash flow of $1.8 billion gives the company room to continue investing in its products and strategy.
That doesn’t mean PayPal would walk away from a takeover bid.
While Lores didn’t directly address Stripe’s offer, saying PayPal doesn’t comment on potential mergers or market speculation, he did acknowledge that a viable M&A bid would not be dismissed outright.
“If we see levers or a path that we believe would create superior value for our shareholders than executing our current strategy, we would, of course, carefully consider them,” he told investors on Tuesday.
PayPal is still busy with its AI-focused turnaround, which included a restructuring exercise to streamline its operations into three segments: checkout solutions and PayPal; consumer financial services (and Venmo); and payment services and crypto. The company has said it will generate additional cost savings as it embraces AI in areas like coding, customer service, support operations, and risk management.
Lores offered an update on this strategy on Tuesday, saying the company was “making good progress” on its plan to deliver at least $1.5 billion in gross run-rate savings over the next two to three years. He also said PayPal is on track to remove three organizational layers across the company and is continuing to modernize its technology. This last bit includes migrating from its data center to the cloud, building a more modular and scalable architecture, and reducing platform complexity.
“We believe that executing the transformation strategy I have outlined will create significant value for shareholders. That remains our focus,” Lores said. “While there is still significant work ahead, I have strong conviction in our direction and in our ability to execute.”
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PayPal za 2. čtvrtletí vykázal zisk na akcii 1,38 USD a tržby 8,68 miliardy USD, obojí nad odhady. Zisk i tržby překonaly konsensus už potřetí za poslední čtyři čtvrtletí.
Paypal (PYPL - Free Report) came out with quarterly earnings of $1.38 per share, beating the Zacks Consensus Estimate of $1.28 per share. This compares to earnings of $1.4 per share a year ago. These figures are adjusted for non-recurring items.
This quarterly report represents an earnings surprise of +7.81%. A quarter ago, it was expected that this technology platform and digital payments company would post earnings of $1.27 per share when it actually produced earnings of $1.34, delivering a surprise of +5.51%.
Over the last four quarters, the company has surpassed consensus EPS estimates three times.
Paypal, which belongs to the Zacks Financial Transaction Services industry, posted revenues of $8.68 billion for the quarter ended June 2026, surpassing the Zacks Consensus Estimate by 2.02%. This compares to year-ago revenues of $8.29 billion. The company has topped consensus revenue estimates three times over the last four quarters.
The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call.
Paypal shares have lost about 4% since the beginning of the year versus the S&P 500's gain of 8.3%.
What's Next for Paypal?While Paypal has underperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock?
There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately.
Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions.
Ahead of this earnings release, the estimate revisions trend for Paypal was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here.
It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $1.34 on $8.61 billion in revenues for the coming quarter and $5.32 on $34.3 billion in revenues for the current fiscal year.
Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Financial Transaction Services is currently in the bottom 42% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1.
Another stock from the same industry, Corpay (CPAY - Free Report) , has yet to report results for the quarter ended June 2026. The results are expected to be released on August 5.
This provider of fuel card and payment products for businesses is expected to post quarterly earnings of $6.58 per share in its upcoming report, which represents a year-over-year change of +28.3%. The consensus EPS estimate for the quarter has been revised 0% lower over the last 30 days to the current level.
Corpay's revenues are expected to be $1.3 billion, up 18.1% from the year-ago quarter.
PayPal zvýšil výhled upraveného zisku na rok 2026 a oznámil úspory nákladů až 400 milionů USD do konce roku. Ve 2. čtvrtletí mu upravený zisk i tržby překonaly odhady.
SummaryCompaniesPayPal lays out cost-saving roadmap through 2029Raises 2026 profit forecast above expectationsResults come as takeover speculation swirlsSees third-quarter profit down in low-single digitsJuly 28 (Reuters) - PayPal doubled down on its turnaround plan on Tuesday, raising its 2026 profit forecast and outlining cost-saving steps, as it looks to convince investors that it is worth more than the $53 billion takeover offer that analysts described as "low-ball".
The payments company, once the crown jewel of American financial technology, received a $60.50-per-share bid from Stripe and private equity firm Advent International, Reuters reported earlier this month, citing sources.
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The offer is a fraction of the roughly $360 billion valuation PayPal commanded as a pandemic-era darling in 2021. The company's board considers the offer inadequate.
PayPal has struggled to regain its footing after a pandemic-driven surge in online shopping and digital payments faded, as consumers returned to brick-and-mortar stores.
Competition has also intensified as Apple (AAPL.O), opens new tab and Google (GOOGL.O), opens new tab expanded their digital payment, integrating them into smartphone ecosystems and eroding PayPal's advantage as a standalone payments platform, analysts said.
THE ELUSIVE TURNAROUNDOver the years, PayPal has responded to these pressures with sweeping changes such as management reshuffles, workforce reductions and a renewed focus on higher-margin products.
Still, the market has largely reserved judgment, with investors waiting for clearer signs that it can regain market share and accelerate growth.
The company replaced CEO Alex Chriss in February with HP's Enrique Lores, saying the pace of change and execution had not met the board's expectations. Lores has since outlined plans to streamline PayPal's organizational structure and cut costs.
"I'm encouraged by the progress we made this quarter. We moved with urgency to sharpen our transformation plan and advance our growth strategies," he said.
PayPal said it was pursuing several initiatives simultaneously. It plans to simplify operating model and reduce organizational layers through 2027, improve marketing efficiency and productivity through 2028, while continuing technology modernization and AI integration through 2029.
It expects to save $400 million in costs by year-end.
Investors have closely watched PayPal's margins in recent years as growth has shifted toward its lower-margin businesses, while competition has weighed on its higher-margin branded products.
On an adjusted basis, operating margin was 17.4% in the second quarter, contracting 248 basis points from 19.8% a year ago.
The company forecast a low single-digit decline in third-quarter adjusted profit. Analysts, on average, expect earnings to decline 0.4%, or 1 cent, from the year-ago quarter's $1.34 per share, according to estimates compiled by LSEG.
The stock initially rose after the results in volatile premarket trading. It was last down 0.8% before the bell.
SPENDING HOLDS UPThe initiatives follow a pivotal, market-beating quarter. Beyond PayPal's turnaround, the results also offered another snapshot of the health of the U.S. consumer, whose spending has remained resilient despite elevated borrowing costs.
Total payment volume increased 9% on a currency-neutral basis in the second quarter to $486.4 billion.
PayPal expects full-year adjusted profit of about $5.38 per share, above Wall Street expectations of $5.31. It had forecast a low single-digit decline to a slight increase in 2026 profit.
While investors remain alert for signs of weaker discretionary spending, payment companies have continued to benefit from solid transaction volumes and a resilient labor market.
On an adjusted basis, PayPal earned $1.38 per share in the three months ended June 30, beating estimates of $1.28. Revenue rose 3% on a currency-neutral basis to $8.68 billion, while analysts had expected $8.47 billion.
Reporting by Manya Saini in Bengaluru; Editing by Arun Koyyur
Our Standards: The Thomson Reuters Trust Principles., opens new tab
Manya covers the most influential U.S. financial institutions, from Wall Street’s largest banks and card networks to leading asset managers and fintech companies. She also reports on late-stage venture capital fundraises, initial public offerings on U.S. exchanges and regulatory developments shaping the cryptocurrency industry. Her work appears across the finance, markets, business and future of money sections of the Reuters website. She holds a bachelor’s degree in political science from the University of Delhi and a master’s in journalism from the Symbiosis Institute of Media and Communication.
Správní rada PayPal podle zpráv považuje nabídku Stripe a Advent International ve výši 60,50 USD za akcii za nedostatečnou. Akcie se obchodují kolem 56 USD, tedy asi 7 % pod nabídkou.
There are now three public opinions about what PayPal (PYPL +0.28%) is worth. A buyout group says $60.50 per share. The market says about $56. And the average analyst price target says about $53 -- below not just the offer, but the stock's current price.
The newest of the three opinions belongs to PayPal's board, which reportedly views the $60.50-per-share cash offer from privately held payments company Stripe and private equity firm Advent International as inadequate, according to multiple reports. The bid valued the payments specialist at more than $53 billion. Notably, PayPal hasn't publicly responded to the proposal. Reports say board discussions have centered on whether the bid is high enough to warrant opening negotiations at all.
For shareholders, that leaves an odd setup: a stock pinned between an offer above the market price and an analyst consensus below it. Each number is telling investors something different, and it's worth taking them one at a time.
Image source: PayPal.
Why the board views it as inadequate The bid itself came with roughly $50 billion in committed bank financing, and the offer price represented a 28% premium to where PayPal traded before news of the bid broke on July 15. Shares jumped 17% that day and closed at $55.52.
That view implies its directors value the company above $60.50. And reports suggest the bidders may raise their offer rather than walk. Famed investor Michael Burry, a PayPal shareholder, publicly called the offer an opening bid and pegged the company's value far higher. The board evidently agrees that $60.50 shouldn't be the last word.
Two prices below the offer The market is less convinced. At about $56 as of this writing, shares of the e-commerce payments company trade roughly 7% below the offer price -- almost exactly where they settled when the bid became public. A discount like that is the market's way of pricing the risk that talks collapse, financing slips, or regulators balk. After all, the bidders have reportedly weighed possible antitrust remedies, including separating PayPal's Braintree business and transferring it to Advent -- a sign that even they expect regulatory questions. If the deal died tomorrow, the stock would likely head back toward its pre-offer price of $47.37.
The analyst consensus is the harshest of the three verdicts. At about $53, the average target sits below today's share price. The analysts covering PayPal, in other words, think the company on its own (no deal, no premium) is worth less than the market is currently paying -- and that's with the stock already trading at about 10 times earnings. The company's market capitalization sits near $49 billion as of this writing, below the more than $53 billion the buyers put on the table.
The company's recent results explain the skepticism. First-quarter revenue rose 7% year over year to $8.4 billion, and total payment volume climbed 11%. But transaction margin dollars, the company's preferred measure of transaction profitability, grew just 3%.
Active accounts were 439 million, up only 1% from a year earlier and down slightly from the prior quarter, so user growth has flattened. And management's full-year guidance calls for adjusted earnings per share ranging from a low-single-digit decline to slightly positive.
This is not a business that commands a premium valuation on its fundamentals. The premium exists because someone wants to buy the company.
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So here's how I'd read the standoff. The board looks like it could be preparing to negotiate. Viewing a first bid as inadequate can be a step toward seeking a higher one. Of course, the market's 7% discount is rational, too, because deals like this one do sometimes collapse. And the analysts' sub-$55 consensus is a useful reminder of what the downside looks like if PayPal has to stand on its own numbers again.
The next card gets turned over quickly. PayPal reports second-quarter results on Tuesday, July 28. Strong numbers strengthen the board's case that $60.50 undersells the company. Weak ones hand the leverage back to the bidders -- or worse, remind everyone why the stock traded at $47 in the first place.
For current shareholders, holding through the report makes sense to me. The offer may support the shares while it remains active, and the board's stance could draw a higher bid. But I wouldn't buy shares today just to capture the spread between $56 and $60.50. That 7% gap reflects the market's read on financing, regulators, timing, and the chance that no deal happens at all. And if it does fall apart, the analyst consensus has already marked the downside. So if you hold the stock, do it because you believe in the underlying company and the stock's long-term potential.
In its upcoming report, Paypal (PYPL - Free Report) is predicted by Wall Street analysts to post quarterly earnings of $1.28 per share, reflecting a decline of 8.6% compared to the same period last year. Revenues are forecasted to be $8.51 billion, representing a year-over-year increase of 2.7%.
Over the last 30 days, there has been a downward revision of 0.2% in the consensus EPS estimate for the quarter, leading to its current level. This signifies the covering analysts' collective reconsideration of their initial forecasts over the course of this timeframe.
Before a company reveals its earnings, it is vital to take into account any changes in earnings projections. These revisions play a pivotal role in predicting the possible reactions of investors toward the stock. Multiple empirical studies have consistently shown a strong association between trends in earnings estimates and the short-term price movements of a stock.
While it's common for investors to rely on consensus earnings and revenue estimates for assessing how the business may have performed during the quarter, exploring analysts' forecasts for key metrics can yield valuable insights.
That said, let's delve into the average estimates of some Paypal metrics that Wall Street analysts commonly model and monitor.
Based on the collective assessment of analysts, 'Net Revenues- Revenues from other value added services' should arrive at $857.75 million. The estimate indicates a year-over-year change of +1.3%.
According to the collective judgment of analysts, 'Net Revenues- Transaction revenues' should come in at $7.66 billion. The estimate points to a change of +3% from the year-ago quarter.
Analysts expect 'Total Payment Volume (TPV)' to come in at $474.52 billion. The estimate is in contrast to the year-ago figure of $443.55 billion.
The consensus among analysts is that 'Transaction margin' will reach 43.8%. The estimate is in contrast to the year-ago figure of 46.4%.
Analysts' assessment points toward 'Active accounts' reaching 440 . Compared to the present estimate, the company reported 438 in the same quarter last year.
View all Key Company Metrics for Paypal here>>>
Shares of Paypal have demonstrated returns of +30.7% over the past month compared to the Zacks S&P 500 composite's +0.4% change. With a Zacks Rank #3 (Hold), PYPL is expected to mirror the overall market performance in the near future. You can see the complete list of today's Zacks Rank #1 (Strong Buy) stocks here >>>> .
PayPal odmítl společnou nabídku na odkup od Stripe a Advent International za 53,4 miliardy USD, protože ji označil za příliš nízkou. Akcie po oznámení rostly až o 19 % v předobchodní fázi a ten den uzavřely téměř o 16 % výše.
Since its founding in December 1998, PayPal NASDAQ: PYPL has grown alongside e-commerce into a financial services giant. Today, the company’s market cap exceeds $50 billion. But along the way, the stock has not been kind to investors.
Following its return to public trading in July 2015 after being spun off from eBay NASDAQ: EBAY, PayPal surged to its all-time high of $308.53 per share in July 2021. But it has been a difficult ride for shareholders, with PYPL down nearly 82% since then.
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PayPal Holdings, Inc. (PYPL) Price Chart for Wednesday, July, 22, 2026
But last week, long-term holders were treated to an unexpected catalyst: Stripe and private equity firm Advent International proposed a joint $53.4 billion acquisition of PayPal. Shares rose up as much as 19% in pre-market trading on July 15, finishing the day up nearly 16%.
In the days that followed, PayPal’s board declined the offer, stating that the bid was too low. Nonetheless, a deal could still materialize.
In the meantime, shares have continued to climb above their pre-bid level. Here’s what investors need to know about the digital payment platform’s future, and whether or not the stock’s recent turnaround can be sustained.
Details of the $53 Billion Bid PayPal Passed OnPayPal Today
$55.85 -0.97 (-1.71%)
As of 07/21/2026 04:00 PM Eastern
52-Week Range$38.46▼
$79.50Dividend Yield1.00%
P/E Ratio10.48
Price Target$54.61
Seeing a potentially mispriced company, the offer was priced at $60.50 per share—about 6.5% higher than the stock's July 20 closing price, and around 28% above its July 14 pre-announceemnt close.
Had the bid been accepted, at $53.4 billion, it would have been the largest fintech acquisition in history. Stripe and Advent reportedly planned to hold equal ownership stakes in PayPal rather than divide the company’s assets.
The move makes sense for privately-held Stripe, a financial infrastructure platform that provides global payment processing, subscription management, and fraud prevention services to businesses.
But that offer was not aimed at absorbing PayPal’s 439 million active consumer and merchant accounts around the world. According to Tech Times, the bid was aimed at securing PayPal’s “consumer-facing stablecoin distribution network and the peer-to-peer trust relationship those accounts represent.
PayPal’s Stablecoin Is the Ultimate PrizeLaunched on Aug. 7, 2023, PayPal’s native stablecoin—PayPal USD (PYUSD)—represents the next chapter in the company’s payment facilitation playbook.
Built on the Ethereum (ETH) and Solana (SOL) blockchains ,PYUSD is designed to remain worth $1 and is backed by cash and short-term U.S. government debt. Eligible PayPal users can currently earn a variable 4% annual reward by holding it in their accounts.
But more importantly, Visa NYSE: V added PYUSD to its stablecoin settlement platform, allowing participating issuers and acquirers to use the token for certain settlement transactions across Visa’s network. The integration could expand PYUSD’s role in cross-border and on-chain payments as Visa builds out its stablecoin infrastructure.
Visa Today
V
Visa
$355.94 -4.63 (-1.28%)
As of 07/21/2026 03:59 PM Eastern
This is a fair market value price provided by Massive. Learn more.
52-Week Range$293.89▼
$365.14Dividend Yield0.75%
P/E Ratio31.00
Price Target$398.36
According to Visa’s 2025 annual report, the company reported 4.7 billion Visa-branded cards with total volume of $16.7 trillion last year.
Meanwhile, industry consultancy firm Grand View Research forecasts the global stablecoins segment of the decentralized finance market to grow to nearly $183 billion by 2033 from $3.3 billion in 2025—good for an almost comical compound annual growth rate of 69%.
As part of its expanded payment settlement rails, Visa’s decision to embrace the PYUSD stablecoin to allow partners to settle fiat currency-backed transactions directly on-chain is poised to be a massive windfall for PayPal.
At the same time, PayPal continues to expand PYUSD’s utility as a low-cost, near-instant payment and transfer mechanism within its digital wallet ecosystem on Venmo and PayPal.
Together with the $60.50 offering, this suggests that at current prices, shares of the San Jose, California-based firm could be dramatically undervalued.
Current Price$55.85High Forecast$100.00Average Forecast$54.61Low Forecast$32.00PayPal Stock Forecast Details
For now, Wall Street has yet to price in the stablecoin story.
Based on the 46 analysts who cover the stock, PayPal carries a consensus Hold rating and an average 12-month price target implies nearly 2% downside from current prices.
While that may be discounting the underlying price drivers PayPal is set to enjoy, it also overlooks solid fundamentals and sound management.
In Q1, revenue growth stood at 7.21%—a dramatic year-over-year increase from 1.2% in Q1 2025.
Similarly, after four consecutive quarters of free cash flow (FCF) contraction, PayPal posted back-to-back quarters of FCF in Q4 2025 and Q1 at nearly 354% and 155%, respectively.
Earnings per share (EPS) offers another clue. Despite their struggles, PayPal has beat on earnings in nine of the last 11 quarters, including seven of the last eight. In Q1, the company reported EPS of $1.34, topping the consensus estimate of $1.27, and with a trailing price-to-earnings ratio of 10.66, PayPal’s earnings are expected to grow 8.27% in the next year.
In the company's Q1 earnings call, PayPal’s new CEO Enrique Lores, who officially took on that role on March 1, reaffirmed the company’s focus on three lines of business: Checkout/PayPal, Consumer Financial Services/Venmo, and Payment Services/Crypto—the latter of which underscores the significance of PYUSD.
Management also expects at least $1.5 billion of gross run-rate savings over the next two to three years as broad AI and automation adoption drives down operating costs. Ultimately, these factors should continue to fuel a long-awaited rebound for the company, which next reports earnings on July 28.
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Stripe a Advent International údajně nabídly za společnost PayPal zhruba 53 miliard USD, což je asi o 30 % více než zavírací cena z 10. července. Akcie na zprávu vyskočily o více než 17 %.
On July 15, it was reported that privately held fintech company Stripe and private equity firm Advent International made a joint offer to acquire PayPal (PYPL 0.24%) for around $53 billion; the stock surged more than 17% on the news.
But would selling make sense for PayPal right now? From a company perspective, no. From a shareholder perspective, possibly -- just not right now.
PayPal is in the middle of a turnaround; in February it appointed a new CEO, Enrique Lores, who was serving in the same position at HP. Typically, if you switch up leadership and reorganize your company, it's because you think the move can turn things around, and you want to give it more than a few months to see how it plays out.
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Stripe and Advent's $53 billion is a lowball offer At $53 billion, their offer equates to $60.50 per share, 30% above PayPal's closing price on July 10. PayPal's stock has been struggling, yes, but it was just trading around that price in early December. That "premium" doesn't quite seem high enough, especially after PayPal's recent run-up; at market close on July 15, its share price was $55.52.
Share price aside, PayPal still generates respectable free cash flow (FCF). Last year, it had $6.4 billion in FCF, meaning the business would essentially pay off the acquisition cost in less than nine years, assuming it didn't grow. Between the cash flow and the $13.5 billion that PayPal had in cash, cash equivalents, and investments at the end of the first quarter, such a deal would be a steal for Stripe and Advent.
Image source: The Motley Fool.
Should shareholders want PayPal sold? I think that if you're a PayPal investor who's grown impatient with the company's "turnaround" story, you'd be OK with it selling at the right price. Whether you're taking profits as a long-term investor or cutting losses short, it could just be a way to wash your hands of the company.
The good news is that the price for Stripe and Advent's offer is public, so if PayPal rejects it on price grounds rather than because it's not interested in selling at all, we could see higher buyout offers coming in. This initial proposal seems more like a "let's feel it out and see if they bite" type of offer.
On the other end, though, PayPal has been diligent about returning value to its shareholders through stock buybacks -- it returned $1.5 billion in the first quarter -- so investors have a greater incentive to be patient during PayPal's (ideal) transition period.
I don't think selling PayPal is in the best interests of either the company or its shareholders, but the latter might easily be convinced at the right price.
Představenstvo PayPalu považuje nabídku na převzetí od Stripe a Advent International v hodnotě 53 mld. USD za nedostatečnou. Návrh oceňuje akcie na 60,50 USD za kus.
Představenstvo společnosti PayPal údajně považuje společnou nabídku na převzetí od firmy Stripe a investiční skupiny Advent International v hodnotě 53 mld. USD za nedostatečnou. Předložený návrh oceňuje akcie PayPal na 60,50 USD za kus. Vedení PayPalu je však přesvědčeno, že tato částka podhodnocuje potenciál budoucího obratu společnosti a že samotná transakce čelí regulačním i finančním překážkám.
Společnost PayPal prozatím na nabídku oficiálně nereagovala a očekává se, že její představenstvo bude o tomto návrhu nadále jednat.
Akcie PayPal Akcie PayPal (PYPL) v předburzovní fázi obchodování klesají o 2,08 % na 55,55 USD.
Zdroj: Reuters
Michal Šnobl
Fio banka, a.s.
Prohlášení
Související odkazy Americké akcie otevírají na růstové vlně, výsledková sezóna pokračuje druhým dnem Stripe a Advent chtějí údajně koupit PayPal za více než 53 mld. USD (+pohledy analytiků) PayPal zveřejnil výsledky za 1Q: Nový CEO sází na AI, výhled ale sráží slabší Evropa a cestovní ruch PayPal údajně nejedná o svém prodeji se společností Stripe ani s nikým jiným Akvizici PayPalu údajně zvažuje společnost Stripe
Stripe a Advent International nabídly za PayPal 60,50 USD za akcii, což firmu oceňuje na více než 53 miliard USD. Nabídka počítá s přibližně 50 miliardami USD zajištěného financování.
A smartphone with the Stripe logo is placed on a laptop in this illustration taken on July 14, 2021. REUTERS/Dado Ruvic/Illustration Purchase Licensing Rights, opens new tab
July 14 - Payments company Stripe and private equity firm Advent International have made a joint offer to acquire PayPal Holdings Inc (PYPL.O), opens new tab for $60.50 per share, in a deal that would value the payments company at more than $53 billion, two people familiar with the matter said.
The offer, submitted earlier this month, is backed by about $50 billion in committed financing from banks, the people said, and represents around a 28% premium to PayPal's closing share price on Tuesday.
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The people declined to be named as the deal discussions are confidential. Advent declined to comment, while PayPal and Stripe did not immediately respond to Reuters requests for comment.
The proposal follows an initial approach made in early April, the sources said. Stripe and Advent have not received a response from PayPal and are seeking to advance discussions in the coming weeks, the sources added.
Under the proposal, Stripe and Advent would jointly own PayPal, with each holding an equal stake, rather than breaking up the company, the people said. There is no certainty the approach will result in a transaction, they added.
Founded in the late 1990s, PayPal was an early player in digital payments, but has faced increasing competition as consumers have embraced alternative payment methods and rivals such as Apple Pay and Google Pay have gained market share.
It has spent the past several years grappling with slowing growth and intensifying competition in digital payments, wiping out much of the value it gained during the pandemic.
The company's market capitalization peaked at about $360 billion in 2021 and fell to as low as roughly $36 billion this year. It has lost more than 40% of its market value over the past 12 months.
After taking over in March, PayPal CEO Enrique Lores started a sweeping turnaround exercise to simplify the payments provider and sharpen its focus on growth.
In April, the company split its operations into three units covering checkout, consumer financial services Venmo, and payments and crypto, while making a series of management changes.
Reporting by Milana Vinn in New York; Editing by Echo Wang, Sumeet Chatterjee and Lincoln Feast
Our Standards: The Thomson Reuters Trust Principles., opens new tab
Milana Vinn reports on technology, media, and telecom (TMT) mergers and acquisitions. Her content usually appears in the markets and deals sections of the website. Milana previously worked at GLG and PE Hub, where she spent several years covering TMT deals in private equity. She graduated from CUNY Graduate School of Journalism with Masters in Business Journalism.
PayPal v Británii spustil novou BNPL službu Pay in 30 Days, která umožní zaplatit až 30 dnů po nákupu. Přichází den před vstupem nového režimu BNPL pod dohledem FCA v platnost.
PayPal introduced another buy now, pay later (BNPL) option for its customers in the United Kingdom, according to a Tuesday (July 14) press release.
Pay in 30 Days lets shoppers complete a purchase up front and pay the full amount up to 30 days later, the release said.
“British customers are smart,” Tamer El-Emary, general manager for PayPal in the UK, said in the release. “They want the flexibility to pay on their terms, but they’re also more discerning than ever about who they trust with their money. We’ve seen that in how our customers use PayPal, and our BNPL product offering, including both Pay in 3 and now Pay in 30 Days is our response: genuine flexibility, zero fees and the reassurance of a brand that’s been part of U.K. shopping for over two decades.”
The offering applies to purchases of between 1 pound (about $1.30) and 900 pounds (about $1,200), giving customers up to 30 days to pay the full amount, according to the release. This control of when the payment is made within the 30-day window means that shoppers can align it with their paydays or their scheduled bill payments.
“For merchants, Pay in 30 Days provides another way to give customers flexibility at checkout without adding complexity,” the release said, citing PayPal research showing that businesses that offer BNPL said offering a range of customer payment preferences is an important competitive priority.
The launch comes one day before a new BNPL regime comes into effect in the U.K. The payment method will now fall under the purview of the country’s Financial Conduct Authority.
“As BNPL becomes regulated by the FCA and continues to grow in the U.K., the bar for trust and transparency will only rise, and we think that’s a good thing,” PayPal’s El-Emary said in the release. “For businesses, it means customers will increasingly gravitate toward payment options from names they recognize. PayPal’s Pay in 30 Days gives merchants a way to meet that demand, backed by a checkout experience their customers already know and trust.”
Meanwhile, the PYMNTS Intelligence report “Invest Now, Win Later: How Buy Now, Pay Later Became a Merchant Growth Strategy,” a collaboration with PayPal, found that pay later availability can influence merchant selection. The report showed that 38% of consumers said this factor influences where they order food, while 37% said it affects travel bookings.
In addition, the research found that 43% of shoppers said they would abandon a purchase if pay later methods were not available.
“If nearly half of prospective buyers are prepared to walk away because financing is missing, retailers must reconsider where flexible payment options appear within the customer journey rather than treating them as a final checkout feature,” PYMNTS reported last week.
PayPal potvrdil výhled na rok 2026 po růstu tržeb v 1. čtvrtletí o 7 % na 8,35 mld. USD a TPV o 11 % na 464 mld. USD. Ve 2. čtvrtletí čeká nízký růst tržeb a pokles non-GAAP zisku na akcii (EPS).
Key Takeaways PayPal reaffirmed 2026 guidance after Q1 revenues rose 7% and TPV increased 11%. PayPal expects low revenue growth, lower TM$ and a high-single-digit non-GAAP EPS decline in Q2. PayPal targets $1.5B in gross run-rate savings through simplification and broader AI adoption. PayPal Holdings, Inc. (PYPL - Free Report) delivered a solid first-quarter 2026, but now the attention has shifted to whether management can meet its second-quarter targets. Revenues rose 7% to $8.35 billion or 5% on a currency-neutral basis, in the first quarter, while total payment volume (TPV) climbed 11% to $464 billion. This enabled the company to reaffirm its 2026 guidance despite a more challenging backdrop.
The second quarter, however, is expected to be much tougher. PayPal expects low-single-digit currency-neutral revenue growth, a low-single-digit decline in transaction margin dollars (TM$) and a high-single-digit fall in non-GAAP EPS. The comparison is difficult because last year's second quarter benefited from a partner renewal, stronger credit performance, lower operating expenses and a favorable tax rate.
Management had also pointed to slowing momentum in key areas. From the start of the second quarter through May 5, 2026, branded checkout trends were at the low end of its full-year guidance. For online branded checkout, its 2026 guidance continues to reflect slightly positive to low single-digit branded checkout TPV growth. Compared to the first quarter of 2026, management has seen slower growth in the travel vertical as well as more muted growth in Europe.
Management is also betting that operational changes will strengthen execution over time. The company plans at least $1.5 billion in gross run-rate savings over the next two to three years through organizational simplification and wider AI adoption.
While these savings are expected to fund future growth initiatives, investors will likely focus first on whether PayPal can deliver its demanding second-quarter guidance before giving management the benefit of the doubt.
What XYZ & INTU Expect?Block (XYZ - Free Report) raised its 2026 adjusted EPS outlook to $3.85 from $3.66 after strong first-quarter growth at Cash App and Square. For the second quarter, XYZ expects gross profit of about $3.04 billion and adjusted EPS of 86 cents, supported by lending growth, payment volumes, AI-driven efficiency and planned cost reductions.
Intuit (INTU - Free Report) raised its fiscal 2026 outlook after solid third-quarter results. The company now expects continued double-digit revenue growth, supported by TurboTax, Credit Karma, QuickBooks and AI-powered services. Management remains focused on operating leverage and margin expansion as INTU approaches its fourth-quarter results and the July 31 fiscal year-end period.
PYPL’s Price Performance, Valuation & EstimatesShares of PayPal have declined 3.9% in the past three months against the broader industry and the S&P 500 Index rise.
Image Source: Zacks Investment Research
From a valuation standpoint, PayPal’s shares are trading cheaply, as suggested by the Value Score of A. In terms of forward 12-month P/E, PYPL stock is trading at 8.59X, which is at a significant discount to the Zacks Financial Transaction Services industry’s 17.09X.
Image Source: Zacks Investment Research
PayPal’s estimate revisions reflect a positive trend. The Zacks Consensus Estimate for full-year 2026 EPS has been revised upward to $5.32 in the past month. The consensus estimate for the metric indicates a year-over-year increase of 0.19%.
Image Source: Zacks Investment Research
PayPal currently carrier a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
PayPal čeká během 2 až 3 let alespoň 1,5 miliardy USD hrubých úspor díky AI a zjednodušení a chce je reinvestovat do checkoutu, Venmo a modernizace platformy.
Key Takeaways PayPal expects at least $1.5B in gross run-rate savings through AI and simplification over 2-3 years.PYPL plans to reinvest savings in checkout, Venmo, payment processing and platform modernization.PayPal posted 7% revenue growth and 11% TPV growth, while non-GAAP operating margin narrowed. PayPal Holdings (PYPL - Free Report) is putting artificial intelligence (AI) at the center of its latest reset. In the first quarter of 2026, the company said it expects at least $1.5 billion in gross run-rate savings over the next two to three years through simplification, fewer organizational layers and faster AI adoption.
CEO Enrique Lores framed the effort as more than cost-cutting. On the earnings call, he said PayPal needs to “become a technology company again,” modernize its platform and use AI to improve developer productivity and shorten time to market. The company also created an AI transformation and simplification team reporting directly to him.
Management said the savings will help fund growth areas rather than simply drop to the bottom line. PayPal is now organized around three business models: Checkout Solutions & PayPal, Consumer Financial Services & Venmo and Payment Services & Crypto. The company plans to reinvest savings in checkout, Venmo financial services, payment processing and platform modernization.
The timing is important because PayPal continues to invest even as margins face pressure. First-quarter 2026 revenues rose 7% to $8.35 billion, while non-GAAP operating income fell 5% to $1.54 billion. The non-GAAP operating margin contracted 229 basis points to 18.4% as the company increased spending on technology, product development and marketing.
The operating picture remains mixed. Total payment volume (TPV) grew 11% to $464 billion. However, branded checkout TPV increased only 2% on a currency-neutral basis, while the company’s full-year guidance still calls for non-GAAP EPS growth ranging from a low-single-digit decline to slightly positive.
How Are Intuit & Block Restructuring?Intuit (INTU - Free Report) announced in May 2026 that it would cut about 17% of its full-time workforce, affecting roughly 3,000 employees globally. The company said the restructuring is designed to simplify operations, eliminate overlapping functions and accelerate its AI-first strategy across products like TurboTax, Credit Karma and Mailchimp.
Block (XYZ - Free Report) is pursuing one of the most aggressive efficiency overhauls in fintech. In February 2026, Block’s CEO, Jack Dorsey, announced plans to reduce more than 40% of the company’s workforce as part of an AI-driven restructuring. It said AI tools and automation would replace layers of operational work while improving speed and productivity.
PYPL’s Price Performance, Valuation & EstimatesShares of PayPal have declined 4.5% in the past three months against the broader industry and the S&P 500 Index rise.
Image Source: Zacks Investment Research
From a valuation standpoint, PayPal’s shares are trading cheaply, as suggested by the Value Score of A. In terms of forward 12-month P/E, PYPL stock is trading at 8.24X, which is at a significant discount to the Zacks Financial Transaction Services industry’s 18.17X.
Image Source: Zacks Investment Research
PayPal’s estimate revisions reflect a positive trend. The Zacks Consensus Estimate for full-year 2026 EPS has been revised upward to $5.32 in the past month. The consensus estimate for the metric indicates a year-over-year increase of 0.19%.
Image Source: Zacks Investment Research
PayPal currently has a Zacks Rank #4 (Sell).
You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
PayPal rozšiřuje BNPL, aby podpořil branded checkout a růst plateb; objem BNPL v 1. čtvrtletí meziročně vzrostl o 23 %. Firma říká, že služba je v její uživatelské základně stále málo rozšířená.
Key Takeaways PayPal is expanding BNPL to strengthen branded checkout and support checkout growth.PYPL's first-quarter BNPL volume rose 23% year over year, reflecting strong consumer adoption.PayPal sees BNPL as underpenetrated across its user base, leaving significant room for future growth. PayPal Inc. (PYPL - Free Report) is strengthening its buy now, pay later (BNPL) offering to enhance branded checkout, attract new customers and help merchants generate higher basket sizes. As consumers increasingly seek flexible payment options, BNPL is becoming an important driver of PayPal's checkout growth strategy.
PayPal identified checkout as a major growth opportunity, noting that digital wallets continue to gain traction as consumers prioritize convenience, security, rewards, loyalty benefits and flexible payment options like BNPL. The company also described BNPL as an important driver of customer acquisition and said the offering remains underpenetrated across its user base, leaving significant room for growth.
Beyond driving customer acquisition, BNPL benefits merchants by encouraging larger basket sizes and improving checkout conversion, supporting higher payment volumes across PayPal's platform. The momentum is reflected in operating performance. During the first quarter, BNPL volume increased 23% year over year, highlighting strong consumer adoption.
PayPal is also investing in expanding BNPL usage. Management said transaction margin growth was partially offset by strategic investments aimed at improving customer habituation and selection rates across branded checkout and BNPL. Likewise, transaction take rate declined partly due to product mix and continued investments in branded checkout and BNPL.
However, BNPL also brings credit and funding considerations. As part of PayPal's broader credit receivables business, its growth depends on effective credit risk management and the successful sale of receivables to third parties. Balancing these risks with continued adoption will be key to sustaining BNPL's long-term contribution to checkout growth.
How Are PYPL’s Competitors Fairing?Affirm Holdings (AFRM - Free Report) offers transparent installment loans, checkout financing and merchant integrations across retail, travel, electronics and e-commerce. Affirm’s latest quarter showed $11.6 billion gross merchandise value (GMV), up 35% YoY, $1.04 billion in revenues, up 33%, and 26.8 million active customers, strengthening AFRM’s BNPL position.
Klarna Group (KLAR - Free Report) offers BNPL at a global scale. In first-quarter 2026, Klarna reported $33.7 billion GMV, up 33% YoY, $1 billion in revenues, up 44%, and $68 million in adjusted operating profit. KLAR’s merchant network, app tools and U.S. growth make KLAR relevant to PayPal.
PYPL’s Price Performance, Valuation & EstimatesShares of PayPal have declined 1.6% over the past three months, underperforming both the broader industry and the S&P 500 Index.
Image Source: Zacks Investment Research
In terms of forward 12-month P/E, PYPL stock is trading at 8.14X, which is at a significant discount to the Zacks Financial Transaction Services industry’s 18.5X.
Image Source: Zacks Investment Research
PayPal’s estimate revisions reflect a positive trend. The Zacks Consensus Estimate for full-year 2026 EPS has been revised upward over the past week.
Image Source: Zacks Investment Research
PayPal currently carries a Zacks Rank #4 (Sell).
You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
Mastercard v 1. čtvrtletí 2026 překonal odhady, když EPS dosáhl 4,60 USD a tržby vzrostly o 15,8 % na 8,398 miliardy USD. PayPal také překonal odhady, ale varoval pro rok 2026 před plochým až mírně nižším výhledem.
Mastercard (NYSE:MA | MA Price Prediction) and PayPal (NASDAQ:PYPL) just closed Q1 2026 reports that look like mirror opposites. Mastercard delivered accelerating services growth and margin expansion from a position of dominance. PayPal beat low expectations under brand-new CEO Enrique Lores, but guided to a flat-to-down 2026. Both stocks trade below where they started the year, and investors are asking which discount is real.
Services Carry Mastercard. A New CEO Carries PayPal. Mastercard reported EPS of $4.60 against a $4.41 consensus, its fourth consecutive beat, on revenue up 15.8% to $8.398 billion. The engine is diversification: value-added services and solutions grew 22%, well ahead of the 12% payment network line. CEO Michael Miebach framed it plainly, saying the company is “advancing agentic commerce with Mastercard Agent Pay and expanding our stablecoin solutions through the planned acquisition of BVNK.”
PayPal beat too, posting $1.34 EPS versus a $1.27 estimate on $8.353 billion in revenue. But the quality was thinner. GAAP operating margin contracted 182 basis points to 17.8%, and net income fell 13.52% year over year. Lores called the moment an opportunity to “sharpen our strategy, simplify our organization, and improve both our growth trajectory and cost structure.” Translation: cleanup.
A Duopoly Network vs. a Commoditized Checkout The strategic gap is wider than the tickers suggest.
Lens Mastercard PayPal Q1 revenue growth 15.8% 7.2% Operating margin 60.8% 17.8% 2026 EPS trajectory Growth continuing Flat to slightly lower vs. $5.31 Core bet Agentic commerce, stablecoins, cross-border Branded checkout turnaround Mastercard sits on a global rail with 13% cross-border volume growth and a rising services layer. PayPal is defending share against Apple Pay, Shop Pay, and every embedded wallet, while active accounts fell 0.2 million sequentially. The Q4 2025 admission that branded checkout “has not been where it needs to be” still hangs over the story.
What Actually Decides 2026 For Mastercard, keep an eye on whether services growth stays north of 20% and whether the BVNK stablecoin deal answers the disintermediation worry directly. For PayPal, the tell is transaction margin dollars and whether Lores can stabilize branded checkout without another guide-down. Q2 EPS is already guided to decline roughly 9% against last year’s $1.40.
Why I Would Own Mastercard Here For me, this comparison has a clear answer. Mastercard is down 5.21% year to date despite compounding EPS and expanding margins, which reads as a rare discount on a duopoly asset. PayPal, off 21.62% YTD and down 84.2% over five years, trades at a forward PE near 9 for a reason: it must spend aggressively just to defend commoditized checkout share. If you want deep-value optionality on a Lores-led turnaround, PayPal fits. I would rather own the toll road. Mastercard’s $11.7 billion buyback authorization and expanding digital services moat give me a cleaner path to double-digit upside without needing a strategy reboot to work.
Act now: the analyst who called NVIDIA in 2010 just named his top 10 AI stocks — and Mastercard didn't make the cut. Grab the names FREE today.
PayPal rozšiřuje PYUSD na 70 trhů a přesouvá stablecoin do nové divize Payment Services & Crypto. Cílem jsou rychlejší a levnější přeshraniční platby pro obchodníky.
Key Takeaways PayPal is expanding PYUSD to support faster, more connected merchant payment options.PYUSD is available in 70 markets, helping merchants and customers handle cross-border payments.PayPal's new Payment Services & Crypto business line combines processing, fraud tools and PYUSD. PayPal (PYPL - Free Report) is strengthening its focus on PYUSD to support its long-term merchant payments business. In the first quarter of 2026, the company moved its stablecoin business into the newly created Payment Services & Crypto business line, bringing together payment processing, merchant solutions and crypto services. This reflects PayPal’s focus on providing merchants with faster and more connected payment options as global commerce continues to expand.
The company’s U.S. dollar-backed stablecoin, PYUSD, expanded its availability to 70 markets, allowing more merchants and customers to use the digital currency for cross-border transactions. The expanded reach supports PayPal’s efforts to strengthen its international payment network.
Stablecoins can make payments quicker and more cost-effective by reducing delays and simplifying the movement of funds across countries. As businesses increasingly operate across borders, the company sees rising demand for payment methods that improve transaction speed while lowering costs.
The Payment Services & Crypto division combines Braintree’s payment processing capabilities with fraud prevention, authorization tools and global payment infrastructure. Adding PYUSD to this platform gives merchants another way to accept and transfer funds while benefiting from PayPal’s existing payment ecosystem.
While the stablecoin has made decent progress so far, significant expansion potential remains. Broader adoption by merchants and consumers could improve payment efficiency, lower transaction expenses and strengthen the company’s position in digital payments. The continued expansion of PYUSD is expected to support PayPal’s efforts to build a more flexible and globally connected payments platform.
PYPL Faces Tough Competition in the Payments SpaceBlock (XYZ - Free Report) is expanding Cash App beyond peer-to-peer payments by adding services such as the Cash App Card, direct deposit, borrowing and investing. This broader financial ecosystem is increasing customer engagement, driving Cash App's gross profit climb 38% year over year to $1.91 billion in the first quarter of 2026.
Apple (AAPL - Free Report) continues to strengthen its payments ecosystem through Apple Pay, Apple Wallet and Tap to Pay. With Tap to Pay now available in more than 50 markets and record transaction and paid accounts, these services are boosting user engagement and supporting record Services revenue, which reached a record $31 billion in the second quarter.
PYPL’s Share Price Performance, Valuation & EstimatesShares of PayPal have declined 0.2% in the past three months, outperforming the broader industry but underperforming the S&P 500 Index.
Image Source: Zacks Investment Research
From a valuation standpoint, PayPal shares are trading cheaply, as suggested by the Value Score of A. In terms of forward 12-month P/E, PYPL stock is trading at 8.00X, which is at a significant discount to the Zacks Financial Transaction Services industry’s 17.29X.
Image Source: Zacks Investment Research
PayPal’s estimates have remained unchanged over the past month. The Zacks Consensus Estimate for full-year 2026 EPS is pegged at $5.30.
Image Source: Zacks Investment Research
PayPal currently carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
PayPal v 1. čtvrtletí 2026 zvýšil celkový objem plateb o 11 % na 464 miliard USD. Venmo rostlo o 14 % a zaznamenalo už šesté čtvrtletí dvouciferného růstu.
Key Takeaways PayPal's Q1 2026 TPV rose 11% year over year to $464 billion, reflecting broad-based payment strength.Venmo TPV grew 14%, its sixth straight quarter of double-digit growth, led by deeper consumer engagement.PYPL saw faster PSP growth, stronger merchant retention and gains in debit, tap-to-pay and branded TPV. PayPal Holdings (PYPL - Free Report) reported stronger payment volume growth in the first quarter of 2026, with total payment volume (TPV) rising 11% year over year to $464 billion, or 8% on a currency-neutral basis. This double-digit increase reflects broad-based strength across the company’s payment ecosystem despite an increasingly competitive landscape.
A major contributor was the continued strength of Venmo. Venmo TPV grew 14% year over year, marking its sixth consecutive quarter of double-digit growth. Management highlighted Venmo’s momentum as a sign of deeper consumer engagement, supported by expanding debit card usage, Pay with Venmo and broader financial services opportunities.
Payment service provider (PSP) activity also supported growth. PayPal’s PSP volume accelerated to 11% from 7% in the second half of 2025, with Enterprise Payments growing in the mid-teens. The company benefited from stronger merchant retention, disciplined growth in profitable new business, and rising demand for payment processing and value-added services.
Branded experiences provided an additional layer of support. TPV from branded experiences increased 5%, driven by online checkout, PayPal and Venmo debit cards and tap-to-pay transactions. Although branded checkout growth remained modest at 2% on a currency-neutral basis, it improved from the prior quarter and showed early signs of stabilization.
Overall, PayPal’s payment volume growth appears to be driven by a combination of Venmo engagement, accelerating PSP performance, increased debit and tap-to-pay adoption and improving branded checkout trends. If PayPal can keep strengthening consumer value and merchant performance, double-digit TPV growth could remain an important part of its broader turnaround story.
How Block and Adyen Compare on Volume MetricsBlock Inc. (XYZ - Free Report) offers a comparable merchant payment metric through Square Gross Payment Volume (GPV). In Q1 2026, Square’s GPV grew 13% year over year to $61.2 billion, supported by stronger seller activity and higher payment volumes. Total GPV reached $63.1 billion. Management’s focus on disciplined execution helped Square maintain momentum despite competitive pressure.
Adyen (ADYEY - Free Report) uses processed volume as a key metric. In Q1 2026, processed volume increased 21% year over year to €382 billion, reflecting broad-based growth across global merchants. Net revenues grew 16%, or 20% at constant currency, helped by wallet share gains with existing customers and strong contribution from newer merchant cohorts.
PYPL’s Price Performance, Valuation & EstimatesShares of PayPal have declined 2.7% in the past three months, underperforming both the broader industry and the S&P 500 Index.
Image Source: Zacks Investment Research
From a valuation standpoint, PayPal shares are trading cheaply, as suggested by the Value Score of A. In terms of forward 12-month P/E, PYPL stock is trading at 7.66X, at a significant discount to the Zacks Financial Transaction Services industry’s 16.97X.
Image Source: Zacks Investment Research
PayPal’s estimate revisions reflect a negative trend. The Zacks Consensus Estimate for full-year 2026 EPS is pegged at $5.30, down by a cent over the past two months.
Image Source: Zacks Investment Research
PayPal currently carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
Key Takeaways PayPal expanded Venmo P2P payments to hundreds of millions of users across 90 markets. Venmo TPV rose 14% year over year in Q1 2026, with its share of PayPal TPV increasing to 19%. Pay with Venmo grew 34% year over year as deeper merchant integration supports monetization. PayPal’s (PYPL - Free Report) Venmo is evolving from a peer-to-peer payments app into a meaningful revenue driver for PYPL. While peer-to-peer (P2P) transfers remain a core part of the platform, its future growth is increasingly driven by monetized products such as the Venmo Debit Card and Pay with Venmo. This strengthens Venmo's contribution to PayPal's broader consumer ecosystem.
In March 2026, Venmo announced a major expansion, extending its P2P payment experience to users worldwide. Venmo users can now send and receive money to and from hundreds of millions of PayPal users across 90 markets. This marks Venmo's largest market expansion since the app’s launch.
The results suggest that these initiatives are translating into stronger payment activity. Venmo’s total payment volume (TPV) increased 14% year over year in the first quarter of 2026, marking its sixth consecutive quarter of double-digit growth. Its share of PayPal's TPV expanded to 19% from 18% a year earlier. Pay with Venmo also remained a standout performer, growing 34% year over year and continuing to gain market share against competing payment methods.
For PayPal, Venmo has become more than a consumer engagement platform. The company is integrating Venmo more deeply into its merchant ecosystem. This enables consumers to pay with Venmo across a growing number of merchant checkouts and strengthens PayPal’s two-sided network of consumers and merchants.
If PayPal continues expanding the adoption of Pay with Venmo, the Venmo Debit Card and merchant checkout, Venmo could become a significantly larger revenue driver over time. With sustained double-digit payment growth and improving monetization, the platform appears well-positioned to support PayPal's long-term strategy of profitable, diversified growth.
How Are Block and Apple Faring in the Payments Space?Block (XYZ - Free Report) offers Cash App, a digital wallet, to consumers for P2P payments and investing. Management continues to expand Cash App beyond peer-to-peer transfers through products such as the Cash App Card, direct deposit, borrowing and integrated investing, increasing customer engagement and monetization. In first-quarter 2026, Cash App gross profit grew 38% year over year to $1.91 billion.
Apple (AAPL - Free Report) continues to broaden the utility of its payments ecosystem through Apple Pay, Apple Wallet and Tap to Pay, making the iPhone an increasingly important platform for both consumers and merchants. As payment adoption grows, these services help strengthen customer loyalty, support Services revenue growth and reinforce the value of Apple's broader hardware and software ecosystem.
PYPL’s Price Performance, Valuation & EstimatesShares of PayPal have declined 2.1% in the past three months, underperforming both the broader industry and the S&P 500 Index.
Image Source: Zacks Investment Research
From a valuation standpoint, PayPal shares are trading cheaply, as suggested by the Value Score of A. In terms of forward 12-month P/E, PYPL stock is trading at 7.91X, which is at a significant discount to the Zacks Financial Transaction Services industry’s 17.28X.
Image Source: Zacks Investment Research
PayPal’s estimate revisions remain unchanged. The Zacks Consensus Estimate for full-year 2026 EPS is pegged at $5.30 over the past two months.
Image Source: Zacks Investment Research
PayPal currently carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
Five sources told Fortune that the corporate venture arm, which was founded in 2016, will be winding down operations. A company spokesperson confirmed the news to TechCrunch, albeit with a nuanced statement:
“As part of our continued efforts to sharpen our focus, we are exploring strategic options for our corporate venture arm,” the spokesperson said in an email.
PayPal Ventures has made more than 80 investments, including the crypto trading platform Talos Global, fintech infrastructure company Plaid, and the crypto bank Anchorage Digital. It has raised $850 million across three funds.
PayPal Ventures still exists on paper and has a few employees supporting its portfolio of startups. However, it has paused new investment activity — at least for now.
The decision follows the departure of PayPal CEO Alex Chriss, who was replaced by Enrique Lores in February. The board said Chriss had failed to keep pace with industry changes and did not meet its expectations. Ironically, the end of PayPal Ventures could mean the company falls further behind. The venture arm gave PayPal a front-row seat to emerging fintech innovation; without it, the company risks losing visibility into startups shaping the future of financial services and falling behind competitors that maintain strategic venture arms.
Lores took the helm with the mission to restructure things, and he has done so, with more cuts and layoffs expected to continue throughout the next few years, Fortune reported. The outlet also said that PayPal is exploring secondary sales to offload some of its venture holdings and has hired Jefferies to help with that task. Lores said in the company’s first-quarter earnings call last month that it needed to “recommit to the fundamentals,” which included “becoming a technology company again.”
It’s clear the company wants to reposition itself in the ecosystem — particularly around AI — which means this may not be the final chapter for corporate venture investing at PayPal.
The PayPal Venture news also comes after the company reached a settlement in May with the Justice Department over the creation of an investment program back in 2020 that targeted Black and minority-owned businesses. Under the settlement, PayPal agreed to waive processing fees for $1 billion of transactions – a value of about $30 million, according to the DOJ. PayPal was also sued in January 2025 by an investor who claimed she was excluded from the investment program because she was Asian. That case looks to be headed toward trial, according to court documents.
This article has been updated to include more information about the portfolio and to clarify that new investments have been paused.
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Dominic-Madori Davis is a senior venture capital and startup reporter at TechCrunch. She is based in New York City.
You can contact or verify outreach from Dominic by emailing [email protected] or via encrypted message at +1 646 831-7565 on Signal.
PayPal v 1. čtvrtletí 2026 zvýšil tempo růstu branded checkout TPV na 2 % po očištění o kurzové vlivy, z 1 % v předchozím čtvrtletí. Celkový TPV vzrostl o 8 % a tržby o 5 %.
Key Takeaways PayPal's branded checkout TPV grew 2% currency neutral in Q1 2026, up from 1% in the prior quarter.PYPL posted 8% currency-neutral TPV growth and 5% currency-neutral revenue growth in Q1 2026.PayPal is investing in checkout and sees U.S. improvement, while Europe remains softer. PayPal Holdings’ (PYPL - Free Report) branded checkout recovery is becoming one of the most important questions for PYPL investors. In the first quarter of 2026, online branded checkout total payment volume (TPV) grew 2% on a currency-neutral basis, improving from 1% in the prior quarter. While that is not a full turnaround yet, it signals that PayPal’s core checkout business may be stabilizing.
The company’s broader results provide some support for the recovery effort. TPV reached roughly $464 billion, up 8% on a currency-neutral basis, while revenues increased 5% currency neutral. PayPal also reported stronger Venmo and enterprise payment growth, showing that demand across the platform remains healthy even as branded checkout moves more slowly.
Management is trying to reaccelerate checkout through better execution. The new operating model places Checkout Solutions & PayPal under a clearer structure, combining consumer and merchant efforts. PayPal is also investing in checkout experience, merchant presentment, consumer selection, rewards and loyalty, especially around top merchants where conversion can matter most.
The challenge is that the recovery is uneven. Management noted improvement in the United States, but Europe remains softer, with pressure in markets such as the U.K. and slower growth in Germany. Macro softness, travel weakness, local competition and PayPal’s own execution gaps all appear to be weighing on momentum.
Branded TPV can reaccelerate, but likely gradually. PayPal’s trusted brand, large two-sided network, Venmo integration, BNPL strength and merchant reach remain real advantages. However, investors should watch if 2% growth becomes a trend, Europe stabilizes and checkout investments improve selection and repeat usage without creating too much margin pressure.
How Are Block and Adyen Competing?Block (XYZ - Free Report) , through Square and Cash App ecosystems, remains a significant competitor to PayPal in digital payments and merchant services. The company benefits from a large merchant base, integrated commerce solutions and growing consumer engagement. If PayPal’s branded checkout recovery remains gradual, Block could continue strengthening its competitive position among merchants seeking streamlined payment experiences.
Adyen (ADYEY - Free Report) is another key competitor benefiting from its global enterprise payments platform and strong relationships with large merchants. The company continues to expand internationally while emphasizing payment optimization and seamless checkout experiences. If PayPal’s branded checkout softness in Europe persists, Adyen could be well-positioned to capture additional payment volume from enterprise merchants.
PYPL’s Price Performance, Valuation & EstimatesShares of PayPal have declined 5.2% in the past three months, underperforming both the broader industry and the S&P 500 Index.
Image Source: Zacks Investment Research
From a valuation standpoint, PayPal shares are trading cheaply, as suggested by the Value Score of A. In terms of forward 12-month P/E, PYPL stock is trading at 7.69X, which is at a significant discount to the Zacks Financial Transaction Services industry’s 16.90X.
Image Source: Zacks Investment Research
PayPal’s estimate revisions remain unchanged. The Zacks Consensus Estimate for full-year 2026 EPS is pegged at $5.30 over the past two months.
Image Source: Zacks Investment Research
PayPal currently carries a Zacks Rank #3 (Hold). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
