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.
