PayPal (NASDAQ:PYPL) Rating Lowered to Neutral at Monness Crespi & Hardt

PayPal (NASDAQ:PYPL) was downgraded by equities researchers at Monness Crespi & Hardt from a “buy” rating to a “neutral” rating in a research report issued to clients and investors on Monday, MarketBeat.com reports.

PYPL has been the topic of several other reports. Compass Point lowered their price target on PayPal from $66.00 to $56.00 and set a “sell” rating on the stock in a research note on Tuesday, December 9th. Macquarie boosted their price objective on PayPal from $95.00 to $100.00 and gave the company an “outperform” rating in a research report on Wednesday, October 29th. Jefferies Financial Group reaffirmed a “buy” rating on shares of PayPal in a research report on Friday, December 19th. Royal Bank Of Canada boosted their price target on shares of PayPal from $88.00 to $91.00 and gave the company an “outperform” rating in a report on Tuesday, October 28th. Finally, Needham & Company LLC reaffirmed a “hold” rating on shares of PayPal in a report on Tuesday, October 28th. Twelve equities research analysts have rated the stock with a Buy rating, twenty-three have given a Hold rating and four have assigned a Sell rating to the company’s stock. Based on data from MarketBeat.com, the company currently has an average rating of “Hold” and a consensus price target of $76.88.

PayPal Stock Up 0.9%

PYPL opened at $59.81 on Monday. The business has a 50 day moving average of $62.21 and a 200-day moving average of $67.68. The stock has a market capitalization of $55.96 billion, a price-to-earnings ratio of 11.99, a P/E/G ratio of 0.74 and a beta of 1.42. The company has a current ratio of 1.34, a quick ratio of 1.34 and a debt-to-equity ratio of 0.56. PayPal has a 1-year low of $55.85 and a 1-year high of $93.25.

PayPal (NASDAQ:PYPL) last announced its earnings results on Tuesday, October 28th. The credit services provider reported $1.34 earnings per share (EPS) for the quarter, topping analysts’ consensus estimates of $1.20 by $0.14. PayPal had a net margin of 14.96% and a return on equity of 25.64%. The business had revenue of $8.42 billion for the quarter, compared to analyst estimates of $8.21 billion. During the same quarter in the previous year, the firm posted $1.20 earnings per share. PayPal’s revenue was up 7.3% compared to the same quarter last year. PayPal has set its Q4 2025 guidance at 1.270-1.310 EPS and its FY 2025 guidance at 5.350-5.390 EPS. As a group, sell-side analysts anticipate that PayPal will post 5.03 earnings per share for the current year.

Insider Activity at PayPal

In other news, insider Suzan Kereere sold 12,500 shares of the company’s stock in a transaction that occurred on Monday, November 3rd. The shares were sold at an average price of $68.87, for a total transaction of $860,875.00. Following the transaction, the insider directly owned 30,983 shares in the company, valued at approximately $2,133,799.21. This represents a 28.75% decrease in their ownership of the stock. The sale was disclosed in a document filed with the Securities & Exchange Commission, which is accessible through this link. Also, CAO Chris Natali sold 1,374 shares of the business’s stock in a transaction that occurred on Thursday, October 30th. The stock was sold at an average price of $69.13, for a total transaction of $94,984.62. The disclosure for this sale is available in the SEC filing. In the last three months, insiders sold 36,156 shares of company stock valued at $2,432,524. Insiders own 0.08% of the company’s stock.

Hedge Funds Weigh In On PayPal

Several hedge funds have recently added to or reduced their stakes in PYPL. GSB Wealth Management LLC grew its position in shares of PayPal by 1.7% during the 2nd quarter. GSB Wealth Management LLC now owns 8,160 shares of the credit services provider’s stock worth $606,000 after buying an additional 140 shares during the period. Wedmont Private Capital boosted its stake in PayPal by 1.6% in the third quarter. Wedmont Private Capital now owns 9,157 shares of the credit services provider’s stock valued at $614,000 after acquiring an additional 142 shares during the last quarter. Pitti Group Wealth Management LLC grew its holdings in PayPal by 1.5% during the 2nd quarter. Pitti Group Wealth Management LLC now owns 10,233 shares of the credit services provider’s stock worth $761,000 after acquiring an additional 147 shares during the period. Dakota Community Bank & Trust NA raised its position in shares of PayPal by 8.7% during the 2nd quarter. Dakota Community Bank & Trust NA now owns 1,840 shares of the credit services provider’s stock valued at $137,000 after acquiring an additional 147 shares during the last quarter. Finally, Maia Wealth LLC lifted its stake in shares of PayPal by 2.5% in the 3rd quarter. Maia Wealth LLC now owns 6,404 shares of the credit services provider’s stock valued at $424,000 after purchasing an additional 155 shares during the period. Institutional investors own 68.32% of the company’s stock.

PayPal News Roundup

Here are the key news stories impacting PayPal this week:

• Positive Sentiment: PayPal launched its Transaction Graph Insights & Measurement program — a cross‑merchant, purchase‑based measurement product intended to give advertisers a “full‑funnel” view and boost PayPal Ads monetization potential. PayPal Ads Launches Transaction Graph Insights and Measurement to Improve Commerce Advertising Outcomes
• Positive Sentiment: Coverage highlights the same program as a direct challenge to ad platforms by using verified purchase data versus clicks — could drive higher‑margin advertising services if adopted by merchants. PayPal Leverages Massive Data Trove to Challenge Advertising Giants
• Positive Sentiment: PayPal is partnering with DP World on faster cross‑border settlement, aiming to shorten settlement times to minutes — a move that could expand PayPal’s addressable cross‑border merchant flows and volumes. Digital Payments Without Borders: The Online Business Shift Behind PayPal and DP World’s Expansion
• Neutral Sentiment: Opinion pieces argue 2026 may be an inflection point for PayPal as product initiatives roll out — bullish thesis but dependent on execution and monetization timelines. PayPal’s Inflection Point Has Arrived In 2026
• Neutral Sentiment: Coverage asks whether investors should reassess PayPal after a ~32% one‑year share decline — useful context for valuation debates but not new company action. Is It Time To Reassess PayPal (PYPL) After A 32% One-Year Share Price Decline
• Negative Sentiment: Goldman Sachs cut its PYPL price target to $65 from $72 and kept a “sell” rating, signaling continued analyst skepticism that could pressure sentiment. Goldman Sachs Adjusts Price Target On PayPal To $65 From $72; Maintains ‘Sell’ Rating
• Negative Sentiment: Monness Crespi & Hardt downgraded PayPal from “buy” to “neutral,” adding to downward analyst pressure. PayPal just downgraded at Monness Crespi
• Negative Sentiment: Industry commentary from Block and PayPal executives highlights that scams have become a sophisticated, systemic problem — an ongoing fraud risk that could raise costs and hurt margins. Block and PayPal Say Scams Are Now an Industry

About PayPal

PayPal Holdings, Inc operates a global digital payments platform that enables consumers and merchants to send and receive payments online, on mobile devices and at the point of sale. The company provides a broad set of payment solutions, including a digital wallet, merchant payment processing, checkout services, invoicing and fraud-management tools. PayPal’s platform is designed to support e-commerce, in-person retail and person-to-person transfers, targeting both individual consumers and businesses of varying sizes.

Key products and services in PayPal’s portfolio include the PayPal wallet and checkout ecosystem, the Venmo peer-to-peer mobile app, Braintree’s developer-focused payment gateway, Xoom for international money transfers, and PayPal Credit and buy-now-pay-later options.