AI PRICE FORECAST
PYPL Stock Forecast & AI Price Prediction
PayPal Holdings · Financial Services · Credit Services
PYPL live signal snapshot
Shares of PYPL were last at $59.48, up 1.19% on the day, trading 12.5% below its 52-week high of $67.99 and 54.7% above its 52-week low of $38.46. Our AI model's current call on PYPL is BUY, with 87% confidence. The short-term averages line up bullishly, and the price is holding above its 50-day line. Its one-month projection is about $61.75, a 3.8% move from the last price.
PYPL's 14-day RSI is 59.7 — healthy bullish momentum without being overextended. The MACD indicator sits over its signal line, and the histogram reading of 0.15 shows buying pressure building. The 50-day moving average ($55.49) sits 10.8% above the 200-day ($50.09) — a "golden cross" structure that typically supports the longer-term uptrend.
33 Wall Street analysts covering PYPL put the average price target at $57.28 (range $36.00–$80.00), implying 3.7% downside from the current price. The current recommendation trend leans bullish: 6 Buy/Strong Buy ratings vs 5 Sell/Strong Sell (and 32 Hold).
Live figures from real market data feeds, current as of the last site build. Open the interactive PYPL dashboard for numbers updated throughout today's session.
About PayPal Holdings
PayPal Holdings, Inc. (PYPL) is a credit services company in the financial services sector, headquartered in San Jose, CA, United States. PayPal Holdings, Inc. operates a technology platform that enables digital payments for merchants and consumers worldwide. It has a market value of about $49.4 billion and roughly 23,800 full-time employees. With a beta of 1.32, the stock has historically swung more than the overall market.
PYPL performance vs. the market
Year to date, PYPL has gained 1.9%, behind the S&P 500 (+11.4%) and behind the financial services sector fund XLF (+7.0%). Over the past 12 months the stock has lost 10.2%, 21.7 points worse than the S&P 500. The direction has flipped lately — +5.9% over the past month versus −1.8% across three.
| Period | PYPL | Sector (XLF) | S&P 500 |
|---|---|---|---|
| 1 month | +5.9% | +7.0% | −2.3% |
| 3 months | −1.8% | +0.6% | −2.3% |
| Year to date | +1.9% | +7.0% | +11.4% |
| 1 year | −10.2% | +10.7% | +11.5% |
PayPal Holdings financials at a glance
PayPal Holdings's most recent quarter (ended Sep 30, 2026) brought in $8.6 billion of revenue and net income of $1.1 billion (a 12.5% net margin). Revenue was up 2.0% from the same quarter a year earlier. The stock trades at a price-to-earnings ratio of 11.4 on trailing earnings of $5.24 per share. Trailing free cash flow was $4.5 billion, and total debt equals 73% of shareholders' equity.
| Quarter ended | Revenue | Net income |
|---|---|---|
| Sep 30, 2026 | $8.6B | $1.1B |
| Jun 30, 2026 | $8.7B | $1.1B |
| Mar 31, 2026 | $8.4B | $1.1B |
| Dec 31, 2025 | $8.7B | $1.4B |
PYPL vs. its peers
PYPL's +1.9% this year ranks ahead of 3 of the 5 big financial services names below. The strongest of the group this year is Visa (V, +21.3%).
| Company | Price | YTD | P/E | AI verdict |
|---|---|---|---|---|
| PayPal Holdings (PYPL) | $59.48 | +1.9% | 11.4 | BUY |
| Visa (V) | $425.55 | +21.3% | 34.5 | BUY |
| Mastercard (MA) | $660.73 | +15.7% | 34.6 | BUY |
| American Express (AXP) | $323.11 | −12.7% | 18.2 | HOLD |
| Capital One Financial (COF) | $197.11 | −18.7% | 12.1 | SELL |
| Affirm Holdings (AFRM) | $67.84 | −8.9% | 11.8 | SELL |
PYPL stock: common questions
What is the PYPL stock price target?
33 Wall Street analysts put the average 12-month target at $57.28, in a range of $36.00–$80.00, versus a recent price of $59.48. Stock Pulse 247's model projects about $61.75 over the next month.
Is PYPL a buy right now?
Our AI model currently rates PYPL a BUY at 87% confidence. Among analysts, 6 rate it Buy or Strong Buy, 32 Hold and 5 Sell. Neither is personal advice — weigh them with your own research and risk tolerance.
How has PYPL stock performed this year?
Year to date, PYPL has gained 1.9%, behind the S&P 500 (+11.4%) and behind the financial services sector fund XLF (+7.0%). Over the past 12 months the stock has lost 10.2%, 21.7 points worse than the S&P 500. The direction has flipped lately — +5.9% over the past month versus −1.8% across three.
What is PYPL's 52-week high and low?
PYPL has traded between $38.46 and $67.99 over the past 52 weeks; at $59.48 it is 12.5% below its 52-week high of $67.99 and 54.7% above its 52-week low of $38.46.
What sector is PYPL in, and who are its peers?
PYPL is in the financial services sector (credit services). Its largest peers on Stock Pulse 247 include Visa (V), Mastercard (MA), American Express (AXP), Capital One Financial (COF).
How accurate is the PYPL forecast?
It's a model estimate from price history, technical indicators and analyst targets, not a guarantee — no model predicts short-term moves reliably. Use it as one input alongside your own research.
How this works: the forecast combines PYPL's price history, momentum indicators (RSI, MACD, moving averages), volatility and analyst targets into one estimate. It's a model, not a guarantee.