PayPal (NASDAQ:PYPL) Upgraded at Wall Street Zen

Wall Street Zen upgraded shares of PayPal (NASDAQ:PYPL) from a hold rating to a buy rating in a report issued on Saturday.

A number of other analysts have also commented on PYPL. Dbs Bank dropped their price target on PayPal from $75.00 to $70.00 and set a “hold” rating for the company in a research note on Thursday, November 13th. Canaccord Genuity Group upped their price objective on shares of PayPal from $96.00 to $100.00 and gave the stock a “buy” rating in a report on Wednesday, October 29th. Rothschild & Co Redburn raised their target price on shares of PayPal from $66.00 to $70.00 and gave the stock a “neutral” rating in a research report on Tuesday, September 16th. Evercore ISI reduced their price target on shares of PayPal from $75.00 to $65.00 and set an “in-line” rating on the stock in a research report on Monday, December 8th. Finally, Wells Fargo & Company lowered their price objective on shares of PayPal from $74.00 to $67.00 and set an “equal weight” rating for the company in a report on Tuesday, December 9th. Twelve analysts have rated the stock with a Buy rating, twenty-five have assigned a Hold rating and four have assigned a Sell rating to the stock. According to MarketBeat, the company has an average rating of “Hold” and an average target price of $76.81.

PayPal Price Performance

PYPL stock opened at $57.29 on Friday. The company has a current ratio of 1.34, a quick ratio of 1.34 and a debt-to-equity ratio of 0.56. The stock has a market capitalization of $53.60 billion, a price-to-earnings ratio of 11.48, a PEG ratio of 0.72 and a beta of 1.42. PayPal has a 12-month low of $55.85 and a 12-month high of $93.25. The firm’s 50-day moving average price is $61.34 and its two-hundred day moving average price is $67.25.

PayPal (NASDAQ:PYPL) last announced its quarterly earnings results on Tuesday, October 28th. The credit services provider reported $1.34 earnings per share (EPS) for the quarter, beating analysts’ consensus estimates of $1.20 by $0.14. PayPal had a return on equity of 25.64% and a net margin of 14.96%.The company had revenue of $8.42 billion for the quarter, compared to the consensus estimate of $8.21 billion. During the same quarter in the previous year, the business earned $1.20 EPS. 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, equities analysts predict that PayPal will post 5.03 earnings per share for the current year.

PayPal Dividend Announcement

The firm also recently disclosed a quarterly dividend, which was paid on Wednesday, December 10th. Shareholders of record on Wednesday, November 19th were issued a $0.14 dividend. This represents a $0.56 dividend on an annualized basis and a yield of 1.0%. The ex-dividend date was Wednesday, November 19th. PayPal’s dividend payout ratio is 11.22%.

Insider Buying and Selling at PayPal

In related news, EVP Diego Scotti sold 3,838 shares of the firm’s stock in a transaction that occurred on Thursday, October 30th. The stock was sold at an average price of $68.97, for a total transaction of $264,706.86. Following the completion of the transaction, the executive vice president owned 16,989 shares of the company’s stock, valued at $1,171,731.33. This trade represents a 18.43% decrease in their position. The transaction was disclosed in a filing with the Securities & Exchange Commission, which is available at this hyperlink. Also, insider Suzan Kereere sold 12,500 shares of PayPal stock in a transaction on Monday, November 3rd. The shares were sold at an average price of $68.87, for a total value of $860,875.00. Following the transaction, the insider owned 30,983 shares of the company’s stock, valued at $2,133,799.21. The trade was a 28.75% decrease in their position. The SEC filing for this sale provides additional information. Insiders sold a total of 36,156 shares of company stock worth $2,432,524 over the last three months. Company insiders own 0.08% of the company’s stock.

Hedge Funds Weigh In On PayPal

Several institutional investors and hedge funds have recently modified their holdings of PYPL. Thompson Investment Management Inc. increased its holdings in PayPal by 2.8% during the second quarter. Thompson Investment Management Inc. now owns 154,991 shares of the credit services provider’s stock valued at $11,519,000 after buying an additional 4,165 shares during the period. Kathmere Capital Management LLC bought a new stake in PayPal during the 2nd quarter valued at $325,000. Merit Financial Group LLC boosted its position in PayPal by 15.5% during the 3rd quarter. Merit Financial Group LLC now owns 164,901 shares of the credit services provider’s stock valued at $11,058,000 after acquiring an additional 22,139 shares in the last quarter. Ariose Capital Management Ltd increased its holdings in shares of PayPal by 347.0% in the 3rd quarter. Ariose Capital Management Ltd now owns 193,100 shares of the credit services provider’s stock valued at $12,949,000 after acquiring an additional 149,898 shares during the period. Finally, Kingstone Capital Partners Texas LLC bought a new position in shares of PayPal in the 2nd quarter worth $3,513,000. 68.32% of the stock is currently owned by institutional investors.

Key PayPal News

Here are the key news stories impacting PayPal this week:

• Positive Sentiment: Product/partnership upside — PayPal expanded its agentic commerce push with “Copilot Checkout,” embedding AI-driven shopping and branded payments inside Microsoft’s Copilot; this could help top-line growth and deepen PayPal’s payments distribution. PayPal’s Agentic Commerce Expansion: Will it Boost Top-Line Growth?
• Positive Sentiment: Potential regulatory tailwind — An analyst notes that a proposed 10% credit interest cap could benefit BNPL and fintech players (including PYPL), which may support loan/BNPL product demand and investor sentiment if enacted. XYZ, SOFI, PYPL Rally: Analyst Sees Trump’s 10% Credit Interest Cap Boosting Fintech
• Positive Sentiment: Investor trade idea published — Commentary suggests structured options or hedged trades could be attractive given PYPL’s discount to its 52-week high, implying some traders view the pullback as an opportunity. Could This Be A Win-Win Trade On PayPal Stock?
• Neutral Sentiment: Options and flow signals active — Recent write-ups decode elevated options activity around PYPL; this shows heightened trader interest but is mixed on direction (hedging, speculation). Monitor for large skew or concentrated positions. Decoding PayPal Holdings’s Options Activity: What’s the Big Picture?
• Neutral Sentiment: Earnings / timing — Analysts expect a modest Q4 earnings uptick when PYPL reports in early February; that release will likely be the next major catalyst. Here’s What to Expect From PayPal Holdings’ Next Earnings Report
• Neutral Sentiment: Short-interest data appears inconsistent — a report flagged a “large increase” but the published short-interest numbers are zero/NaN, suggesting a data glitch; not a confirmed catalyst. (Internal short-interest entry)
• Negative Sentiment: Analyst caution & price-target cuts — Susquehanna trimmed its Q4 estimates and lowered its PYPL price target to $90 (from $94) while keeping a Positive rating; that reduction and similar analyst conservatism weigh on near-term sentiment. Susquehanna Lowers PT on PayPal Holdings (PYPL) Stock
• Negative Sentiment: Downgrades / holds pressuring momentum — Multiple outlets report analyst downgrades and holds (Citi issued a Hold; coverage notes a recent analyst downgrade that knocked shares lower), contributing to today’s downward pressure. PayPal Holdings (PYPL) Receives a Hold from Citi Susquehanna Lowers PT on PayPal Holdings (PYPL) Stock
• Negative Sentiment: Negative narrative pieces — Media commentary argues PYPL missed the 2025 bull run and could underperform in 2026, which can amplify bearish sentiment among retail/institutional investors. How PayPal’s stock missed the entire 2025 bull run and will do the same in 2026

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.