PYPL
PayPal Holdings, Inc.Evidence as of 2026-09-02Overview · PayPal Holdings, Inc.
PayPal Holdings, Inc. operates a technology platform that enables digital payments on behalf of merchants and consumers worldwide. The company provides payment solutions under the PayPal, PayPal Credit, Braintree, Venmo, Xoom, PayPal Zettle, Hyperwallet, PayPal Honey, and Paidy names. Its payments platform allows consumers to send and receive payments in approximately 200 markets and in approximately 150 currencies,…
Management team
- Mr. Frank Keller · Senior VP and GM of Large Enterprise & Merchant Platform GroupFind on LinkedIn
- Mr. Jonathan Saul Auerbach · AdviserFind on LinkedIn
- Ms. Peggy M. Alford · Executive Vice President of Global Sales & Merchant ServicesFind on LinkedIn
- Ms. Isabel Cruz · Executive VP & Chief People OfficerFind on LinkedIn
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Links open LinkedIn searches, not verified profiles. Team data from our market-data vendor's company profile.
Moneyta sentiment
Where the published evidence leans after the desk debated it — not a rating or a recommendation.
−0.2 on a −2 to +2 scale — was −0.1 before the debate changed the read.
What builds the score
Solid bars are analyst rubric scores; faded bars are computed directly from data. Claims dropped in debate count for nothing; weakened claims count at half weight.
Editor's note
Written after the debate settled — the rest of the page is the evidence behind it.
The evidence balance is Mixed (‑0.2 of a possible +2; confidence high). Revenues reported across recent fiscal quarters show a pattern of stability: $ 7,791,000,000 in fiscal Q1 2025 (fiscal quarter ended 2025-04-23), $ 8,288,000,000 in fiscal Q2 2025 (fiscal quarter ended 2025-07-23), $ 8,417,000,000 in fiscal Q3 2025 (fiscal quarter ended 2025-10-22), and $ 8,353,000,000 in fiscal Q1 2026 (fiscal quarter ended 2026-04-29). Management’s Form 10-Q (filed 2026-07-28) reports net revenues of $ 8,682,000,000 for the three months ended June 30, 2026 (up 5% year-over-year), operating income of $ 1,427,000,000 (down 5% year-over-year), net income of $ 1,104,000,000 (down 12% year-over-year), and net cash provided by operating activities of $ 1,983,000,000 (up 121% year-over-year).
Valuation and capital metrics in the record show a trailing EPS of $ 5.09 (P/E 10.29), enterprise value of $ 50,121,327,833 with trailing EBIT of $ 6,042,000,000 (EV/EBIT ≈ 8.3), cash of $ 6,977,000,000, long-term debt of $ 10,876,000,000 (net debt ≈ $ 3,899,000,000), and trailing operating cash flow of $ 5,381,000,000 (price-to-operating-cash-flow ≈ 8.6). Common shares outstanding were reported as 882,105,493 as of 2026-04-29.
How this note was made
every stage ran before the note was writtenAnalyst desk
Mercer, Oakes, Nash, Ellis, Yates, Talbot and Archer. The desk: named AI agents, not people. Each reads one slice of the evidence and nothing else — no outside knowledge, no browsing — so every finding traces to a source you can open.
Reads the XBRL figures companies file with the SEC — revenue, margins, income, debt and share count, quarter by quarter — and reports which way the trend is running.
Revenues were $7,791,000,000 in fiscal Q1 2025 (2025-01-01 to 2025-03-31, 3mo).
XBRL companyfacts · 0001633917-25-000064Revenues were $8,288,000,000 in fiscal Q2 2025 (2025-04-01 to 2025-06-30, 3mo).
XBRL companyfacts · 0001633917-25-000161Reads the filings themselves, above all the year-over-year diff of Item 1A risk factors: which risks a company added, dropped or quietly reworded since its last annual report.
Which filings the desk reads
The desk reads the annual 10-K in full — its risk factors, and how they changed since last year. Quarterly 10-Qs and event filings (8-Ks, insider Form 4s) are listed for context but not read line by line: the 10-K is where the material risk disclosures live. A brand-new company, or one we have only just begun tracking, may have no annual report on file yet — its risk analysis fills in once that lands.
In the Form 10-Q filed 2026-07-28, management stated that in April 2026 the Company announced a strategic reorganization intended to deliver at least $1.5 billion in gross annualized run-rate savings over the next two to three years and that an initial phase of actions could generate approximately $400 million of run-rate gross savings with a potential transformation-related charge of approximately $120 million to $140 million during the second half of 2026.
10-Q filed 2026-07-28The Form 10-Q filed 2026-07-28 reports net revenues of $8,682 million for the three months ended June 30, 2026, up 5% from $8,288 million for the three months ended June 30, 2025, and states management attributed the increase primarily to 10% growth in total payment volume and favorable hedging activities.
10-Q filed 2026-07-28Reads the signal panel above — momentum, volatility, drawdown, relative strength and beta — and ranks each against the whole research universe rather than judging it in isolation.
Momentum over the last 3 months is +17.7% while 6-month momentum is +13.3%, and 6-month momentum ranks in the 68th percentile of the 547-stock research universe as of 2026-09-01.
Moneyta signal set · 2026-09-01weakened in debateLonger-term relative strength is mixed: 6-month relative strength vs SPY is +1.0% (68th percentile for rel strength), but 12-month relative strength vs SPY is -44.0% and 12-1 momentum is -15.4% (12-1 momentum rank: 18th percentile of 547) as of 2026-09-01.
Moneyta signal set · 2026-09-01weakened in debateReads which funds hold the name and at what weight, plus insider Form 4 filings, to show the exposure you may already carry through index funds.
Institutional holdings reported a total value of $33.90B as of 2026-03-31, with reported 13F holdings carrying a 45-day reporting lag.
13F holdings · 1504 filers · as of 2026-03-31The top reported institutional holder was BlackRock, Inc. at $3.33B, a reported quarter-over-quarter change of -21.7%.
13F holdings · 1504 filers · as of 2026-03-31Reads recent headlines that are genuinely about this company, ignoring rating chatter and market-wide stories. Findings argue in the debate but never move the sentiment score.
The article's headline states PayPal 'Could Be 23% Undervalued', framing valuation as a positive/optimistic angle.
News · simplywall.st · 2026-09-02Coverage highlights new integrations that let students and families pay tuition and fees using PayPal or Venmo via partnerships with Illumia, Nelnet Campus Commerce, and TouchNet.
News · simplywall.st · 2026-09-02Reads parsed Forms 3/4/5 — who bought or sold, at what size, and whether a 10b5-1 plan was involved. Flags clustered open-market officer buying; treats plan sales as routine and never counts a fund or 10%-holder as an officer.
On 18 August 2026, Suzan Kereere (President, Global Markets) sold 3,362 shares for $205k under a 10b5-1 plan (stated on the filing).
Form 4 · Kereere Suzan (President, Global Markets) · $205k sold · 2026-08-18On 18 August 2026, Suzan Kereere (President, Global Markets) sold 800 shares for $49k under a 10b5-1 plan (stated on the filing).
Form 4 · Kereere Suzan (President, Global Markets) · $205k sold · 2026-08-18Reads the implied-expectations math built from the company's own filings (the growth rate today's price would justify, and the multiples beside it) and argues whether the market's bar looks high or low for this business. Never turns the math into a target.
The price-to-earnings (P/E) ratio on trailing twelve months EPS of $5.09 is 10.29.
Valuation inputs · SEC XBRL + stored EOD closeEnterprise value is $50,121,327,833 while reported operating income (EBIT) on a trailing twelve-month basis is $6,042,000,000, implying an EV/EBIT of about 8.3.
Valuation inputs · SEC XBRL + stored EOD closeDebate and risk review
A bull and a bear contest the claims and the chair rules on each; the risk review stress-tests what survived.
A bull and a bear argue the analysts' claims across two rounds, then a chair rules on each one. Only what survives feeds the score — the argument is shown, not hidden, so you can judge the reasoning yourself.
Several contemporaneous filings and core fundamentals present a favorable operational and valuation picture. Management reported sequential revenue growth (filings-1; fundamentals-0–3) and a large QoQ increase in operating cash flow (filings-4), and also disclosed a formal reorganization targeting at least $1.5B of gross run-rate savings (filings-0) — filings-level evidence here is strong and timely. Valuation metrics from the evidence show relatively low multiples (valuation-0, valuation-1, valuation-3), which is a strong quantitative signal when coupled with positive cash flow and revenue trends. Technical momentum and a recent golden-cross technical pattern (market-0, market-2) provide additional, medium-strength market-context support that the recent price action has been constructive. The bear points about lower operating income and net income (filings-2, filings-3), high historical drawdowns and volatility (market-3, market-4), and insider Form 4 sales (insider-0–5) are contestable because the earnings declines are tied to reported transaction expense growth and impairments called out in the same filings (filings-2, filings-3) while cash generation improved markedly (filings-4), and several insider sales are reported as 10b5-1 plan transactions in the filings (insider items), which weakens the inference strength of those claims.
Chair's verdict, claim by claim
Fragility · computed, not argued
balanced0.33
40 surviving claims rest on 18 distinct sources; the heaviest analyst carries 18% of them, and 98% of what the desk raised survived the debate.
The evidence bundle is moderately robust: 40 surviving claims drawn from 18 distinct sources gives some source diversity, and no single analyst dominates (the largest analyst contribution is 18%), which lowers single-person dependence. However, 98% survival through debate suggests strong internal consensus — useful for desk-read confidence but potentially brittle if the underlying sources are correlated or if a small number of filings contain the key facts.
Peer context · computed, not argued
12-1 momentum ranks 5th of 6 in Credit Services (as of 2026-09-01).
6-month relative strength ranks 2nd of 6 in Credit Services (as of 2026-09-01).
90-day volatility ranks 2nd of 6 in Credit Services (as of 2026-09-01).
dividend yield ranks 3rd of 6 in Credit Services (as of 2026-09-01).
Disconfirming evidence · base rates · falsifiers
Context
Outside consensus, and where this name already sits in your own portfolio.
Third-party consensus shown for context. It never enters Moneyta sentiment — when the two diverge, the debate above is where the why lives.
What this was built from
Every figure on this page traces to one of these. The desk reads only what is listed here — no outside knowledge, no browsing — and each card shows who read it and what it contributed to the score.
17 filings· 2 cited
SEC XBRL filings
Quarterly figures as filed with the SEC, read straight from EDGAR's structured data — not retyped or estimated.
Read by Mercer+0.0 to the score
7 documents· 2 cited
SEC filing documents
The filings themselves, including the year-over-year comparison of Item 1A risk factors.
Read by Oakes+0.1 to the score
1 signal set
Moneyta signal set
Computed from our own end-of-day price history and ranked against the whole research universe. No AI involved.
Read by Nash−0.1 to the score
3 holdings records· 1 cited
Fund holdings
Which funds hold this name and at what weight, plus insider Form 4 filings.
Read by Ellis+0.2 to the score
1 headline
News coverage
Recent headlines about this company, rating chatter excluded and nothing published after the report date.
Read by Yatesnothing survived
13 filings· 1 cited
Insider filings
Parsed Forms 3/4/5 from EDGAR: named insiders, share counts, prices, and 10b5-1 plan state — stated and inferred flags kept apart.
Read by Talbot−1.0 to the score
1 computation
Valuation inputs
TTM cash-flow figures from the company's own XBRL filings, priced with the stored closing price. Implied growth and multiples only; no fair-value dollar figure reaches the desk, by design.
Read by Archercontext only
1 record· 0 cited
Company profile
Sector, industry and company details.
1 record· 0 cited
Analyst consensus
Third-party consensus, shown for context only — it never enters Moneyta sentiment.
Read means we pulled and handed it to an analyst; cited means a claim on this page points at it. Reading twelve quarters to state one trend is normal — the gap is shown rather than hidden.
Written by AI, checked against sources
The analysts, the bull–bear debate and the editor's note are AI agents reading only the evidence listed on this page. They can misread a filing or a headline, which is why every claim cites a source you can open and check yourself. The sentiment score is arithmetic over the claims that survived the debate, not a language model's opinion.
Educational analysis of published data. Moneyta does not give investment advice or make recommendations. Past patterns do not indicate future results.
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The full terminal on PYPL Gold
Who holds it, who's buying, what the Street thinks: live behind the lock, updated as filings land.
Institutional holders
Net institutional flow, Q/Q
Largest holder position
Insider buys, 90 days
Clustered insider value
Street target range
The real figures are for members. Educational analysis, not advice.
Educational analysis of published data. Moneyta does not give investment advice or make recommendations.