PayPal Holdings, Inc.
PYPL scores 58.2 on the Conservative profile, blending a fundamental score (80% weight, emphasizing quality and stability (84% of fundamental weight)) with a machine-learning signal (20% weight) trained on 82 features across 30 years of data.
Moderate penalties (-3.8 points) reflect identified risk factors. The overall score balances these against the stock's fundamental strengths.
These features are direct inputs to the machine learning model. The model was trained on these signals alongside 100 features (including 12 momentum/technical indicators) to produce the ML percentile score.
| Stock | Score | P/E | Rev Growth | Margin | Mkt Cap |
|---|---|---|---|---|---|
| PYPL | 58.2 | 7.4 | 4.3% | 15.8% | $37.7B |
| CME | 86.4 | 27.2 | 9.9% | 57.5% | $114.0B |
| FHB | 84.9 | 11.8 | 3.2% | 24.2% | $3.1B |
| ACT | 84.5 | 8.9 | 2.4% | 54.6% | $6.1B |
| CINF | 84.2 | 10.7 | 11.4% | 18.9% | $25.4B |
| SEIC | 82.2 | 14.0 | 10.7% | 27.3% | $9.9B |
| TROW | 79.9 | 10.1 | 3.1% | 28.5% | $20.5B |
| QQQX | 79.7 | 10.4 | 48.6% | 257.3% | $1.4B |
| IBOC | 78.2 | 10.6 | 7.5% | 40.1% | $4.2B |
| HWC | 77.8 | 12.2 | -1.5% | 24.1% | $5.6B |
| FFIN | 77.5 | 18.8 | 11.7% | 30.7% | $4.7B |
| TRMK | 77.1 | 11.9 | 34.8% | 19.3% | $2.6B |
| NMIH | 77.1 | 7.7 | 8.4% | 55.1% | $3.0B |
| EWBC | 76.7 | 12.7 | 4.6% | 28.3% | $15.3B |
| WSFS | 76.3 | 12.8 | -3.1% | 21.1% | $3.5B |
| MCHB | 76.1 | N/A | 123.7% | 23.2% | $3.1B |
| Sector Average | 47.5 | 26.8 | 13.4% | -2.8% | โ |
PayPal Holdings, Inc. operates a technology platform that enables digital payments on behalf of merchants and consumers worldwide. It provides payment solutions under the PayPal, PayPal Credit, Braintree, Venmo, Xoom, Zettle, Hyperwallet, Honey, and Paidy names. The company's payments platform allows consumers to send and receive payments in approximately 200 markets and in approximately 100 currencies, withdraw funds to their bank accounts in 56 currencies, and hold balances in their PayPal accounts in 25 currencies. PayPal Holdings, Inc. was founded in 1998 and is headquartered in San Jose, California.
Stock is in a downtrend below the 200-day moving average. Price is below both the 50-day and 200-day SMAs, indicating sustained selling pressure.
Stage 4 downtrend โ price is below both SMA50 and SMA200 with a declining 200-day average. Capital preservation takes priority. Do not buy into a downtrend.
| Metric | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
|---|---|---|---|---|
| Revenue | $8.8B | $8.4B | $8.3B | $7.8B |
| Gross Profit | $3.7B | $3.9B | $3.8B | $3.7B |
| Operating Income | $1.7B | $1.5B | $1.5B | $1.5B |
| Net Income | $1.4B | $1.2B | $1.3B | $1.3B |
| EPS (Diluted) | $1.53 | $1.30 | $1.29 | $1.29 |
| Gross Margin | 41.9% | 46.0% | 46.4% | 47.7% |
| Operating Margin | 19.1% | 18.1% | 18.1% | 19.6% |
| Net Margin | 16.4% | 14.8% | 15.2% | 16.5% |
| Year | Low | High | Range | Status |
|---|---|---|---|---|
| 2021 | $179.15 | $310.16 | 53.5% | Wide |
| 2022 | $66.39 | $196.10 | 98.8% | Wide |
| 2023 | $50.25 | $88.63 | 55.3% | Wide |
| 2024 | $55.77 | $93.66 | 50.7% | Wide |
| 2025 | $55.85 | $93.25 | 50.2% | Wide |
Growth estimates have been dampened based on technical and fundamental signals. This is a post-hoc adjustment to prevent overly optimistic projections for stocks showing declining momentum or deteriorating fundamentals.
Scores are generated by a multi-stage ML pipeline combining fundamental analysis, ensemble predictions, and structural risk signals. All data is for research purposes only and does not constitute financial advice. Past performance does not guarantee future results.