What You Need to Know About PayPal Holdings, Inc.'s Q3 Earnings
PayPal Holdings, Inc.'s fiscal Q3 earnings report was released on Tuesday, July 28. Let's dive in to see if (PYPL) missed or beat analyst's expectations.Rosalio Madrigal
Stock Evaluator: PayPal Holdings, Inc. (PYPL)
1,908 followersPayPal Holdings, Inc. PYPL
$57.21
-0.44
-0.76%
July 31, 2026 4:00:00 PM
EST
Volume: 9,769,988
After Hours: $120.37
0.15
|
0.12%
November 10, 2021 7:59 PM
EST
Volume: 72,713
USD
NASD | DELAYED PRICE
| SECTOR | INDUSTRY |
| Financials | Financial Services |
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COMPANY SUMMARY
PayPal Holdings, Inc. operates a technology platform that enables digital payments for merchants and consumers worldwide. The company operates a two-sided network at scale that connects merchants and consumers that enables its customers to connect, transact, and send and receive payments through online and in person, as well as transfer and withdraw funds using various funding sources, such as bank accounts, PayPal or Venmo account balance, consumer credit and debit products, credit and debit cards, and cryptocurrencies, as well as other stored value products, including gift cards and eligible rewards. It provides payment solutions under the PayPal, PayPal Credit, Braintree, Venmo, Xoom, Hyperwallet, Honey, and Paidy names. The company was founded in 1998 and is headquartered in San Jose, California.
Commentary & Analysis
Is PayPal Holdings, Inc. (PYPL) Overvalued?
We dive into why PayPal Holdings, Inc. (PYPL) could be considered overvalued on 2026-07-16, based on AAII’s Value Score and Grade.Jenna Brashear
Why PayPal Holdings, Inc.’s (PYPL) Stock Is Up 13.30%
As of Wednesday, July 15, PayPal Holdings, Inc.’s PYPL share price has surged by 13.30%, which has investors questioning if this is right time to sell.Jenna Brashear
Why PayPal Holdings, Inc.’s (PYPL) Stock Is Up 16.27%
As of Wednesday, July 15, PayPal Holdings, Inc.’s PYPL share price has surged by 16.27%, which has investors questioning if this is right time to sell.Tudor Pop
3 Undervalued Financial Services Stocks for Tuesday, June 16
Discover the top 3 undervalued Financial Services stocks for Tuesday, June 16 based on AAII’s Stock Grades.Jenna Brashear
Financial Summary
| Share Statistics | PYPL | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $48,940.9 | $2,409.3 | 93% |
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| Shares Out (Mil) | 882.0 | 72.0 | 93% |
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| Institutional Ownership | 99.9% | 86.6% | 96% |
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| Float (Mil) | 853.4 | 61.7 | 90% |
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| Beta | 1.33 | 0.93 | 77% |
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| Avg Daily Volume (000s) | 15,580 | 441 | 98% |
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| Price Change (52-week) |
(17.9%) | 76.1% | 32% |
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| Growth | PYPL | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 9.1% | 10.9% | 55% |
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| Net Income (5yr) | 4.5% | 8.2% | 46% |
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| EPS (5yr) | 8.9% | 11.4% | 44 |
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| Dividends (5yr) | 0.0% | 0.0% | 70% |
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| Cash Flow (5yr) | (4.1%) | (15.0%) | 62% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 33 | 40 | 42 | |
| Current EPS | $1.317 | $5.370 | $5.792 | |
| Month Ago EPS | $1.333 | $5.314 | $5.752 | |
| # Rev Up | 1 | 0 | 0 | |
| # Rev Down | 0 | 0 | 1 | |
| Three Months Ago EPS | $1.335 | $5.303 | $5.791 | |
| Year/Year Chg | 5.4% | (0.7%) | 16.9% | |
| Financials | PYPL | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $34,128 | $1,233 | 95% |
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| Net Income (TTM) (Mil) | $4,902 | $73 | 97% |
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| EPS (TTM) | $5.340 | $0.700 | 87% |
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| Operating Cash Flow (TTM) (Mil) | $7,475 | $165 | 97% |
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| Net Cash Flow (TTM) (Mil) | $2,993 | $22 | 98% |
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| Long-Term Debt (Q1) (Mil) | $11,569 | $696 | 92% |
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| Enterprise Value (Q1) (Mil) | $52,881 | $3,560 | 93% |
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| Valuation | PYPL | Industry Median |
Percentile (All Stocks) |
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| P/B | 2.49 | 1.44 | 59% |
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| P/E | 10.8 | 15.1 | 18% |
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| Dividend Yield | 1.0% | 0.0% | 67% |
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| PEG (5yr hist) | 1.2 | 1.0 | 51% |
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| Ratios | PYPL | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | 40.5% | 60.7% | 50% |
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| Net Margin | 14.4% | 7.0% | 72% |
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| ROA | 6.0% | 1.1% | 76% |
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| ROE | 24.5% | 11.5% | 84% |
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| Liabilities to Assets | 76.0% | 75.2% | 72% |
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| F-Score | 6 | 5 | 69% |
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Passing Stock Screens
As of 7/31/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.9% |
| +/- S&P 500: | -0.6 |
GURU STRATEGY
Kirkpatrick Bargain Screen
Factors: Value, Momentum
Investing model outlined in Charles Kirkpatrick's book, Beat the Market: Invest by Knowing What Stocks to Buy and What Stocks to Sell.
| Performance Since Inception: | 6.8% |
| +/- S&P 500: | -0.7 |
