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Arphra AIPlain-English read on PayPal Holdings, Inc.’s valuationAI Issuer Brief
Arphra AILoading cached brief…
Peers
- WFCWells Fargo & Company$80.81$247.63B
- HDBHDFC Bank Limited$25.18$129.16B
- PNCThe PNC Financial Services Group, Inc.$220.71$89.03B
- SMFGSumitomo Mitsui Financial Group, Inc.$21.15$80.97B
- LYGLloyds Banking Group plc$5.36$78.41B
- MFCManulife Financial Corporation$39.10$65.56B
- TRVThe Travelers Companies, Inc.$304.72$64.8B
- TFCTruist Financial Corporation$50.93$63.45B
Price change · trailing returns
Live| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -1.46% | -0.02% | -11.72% | -3.99% | -27.29% | -23.72% | -37.57% | -30.97% | -82.73% | +16.18% | +21.30% |
Aftermarket
LiveLast trade
$44.45
Bid
$44.20
10 sh
Ask
$44.69
20 sh
Spread
$0.490
Sector & industry today
LiveSectors
- Technology+1.59%
- Industrials+1.50%
- Energy+1.40%
- Basic Materials+1.36%
- Utilities+0.94%
- Consumer Cyclical+0.45%
- Real Estate+0.37%
- Consumer Defensive+0.28%
- Financial Services+0.05%
- Healthcare-0.26%
- Communication Services-0.39%
Top industries (issuer's industry highlighted)
- Financial - Credit Services-2.01%
- Hardware, Equipment & Parts+5.17%
- Computer Hardware-4.64%
- REIT - Office+4.28%
- Communication Equipment+4.02%
- Electronic Gaming & Multimedia-3.94%
- Real Estate - Services+3.82%
- Agricultural - Machinery+3.64%
- Auto - Parts+3.58%
- Oil & Gas Energy+3.45%
- Information Technology Services+3.19%
- Copper+3.00%
Fair value
Football field →Weighted blend
$42.40
-4.79% vs spot
Recommendation
Hold
19 of 21 methods
Method spread
11bull8bear
±5% threshold
Analyst PT consensus: $51.67 (+16.03%)
Total assets
$80.17B
Total debt
$9.99B
Cash & equiv
$8.05B
Operating CF
$6.42B
Free cash flow
$5.56B
Buybacks
-$6.05B
Analyst view
DB · price_targets + analyst_gradesConsensus target
$51.67
+16.03% upside
Low
$34.00
Median
$51.00
High
$65.00
Recent actions
0 ↑0 ↓8 hold
- Apr 01, 2026
- Mar 01, 2026
- Feb 01, 2026
- Jan 01, 2026
- Dec 01, 2025
News
DB · news_items- PayPal and Anthropic Take AI to Main Street Businessespymnts.com·May 13, 2026
- Venmo still isn't taking privacy seriouslybusinessinsider.com·May 12, 2026
- Truist Cuts PayPal Price Target as Cross-Border Volume Weakness Bites247wallst.com·May 12, 2026
- PayPal: One Of The Cheapest Large-Cap Tech Stocks Today - Why I Bought Moreseekingalpha.com·May 12, 2026
- Venmo App Overhaul Highlights Expansion Into Financial Services Hubpymnts.com·May 12, 2026
- PayPal Reaches $30 Million Pact With Justice Department Over Minority Fundingwsj.com·May 12, 2026
- PayPal: Cost Cuts And Buybacks Are The Real Bull Caseseekingalpha.com·May 12, 2026
- PayPal's $6 Billion Lifelineseekingalpha.com·May 08, 2026
Recent quarters
All financials →| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q4 Dec 2025 | $8.68B | $1.44B | $1.53 |
| Q3 Sep 2025 | $8.42B | $1.25B | $1.30 |
| Q2 Jun 2025 | $8.29B | $1.26B | $1.29 |
| Q1 Mar 2025 | $7.79B | $1.29B | $1.29 |
| Q4 Dec 2024 | $8.37B | $1.12B | $1.11 |
| Q3 Sep 2024 | $7.85B | $1.01B | $0.99 |
Recent insiders
All →| Insider | Action | Shares | Value | Date |
|---|---|---|---|---|
Keller Frank officer: Pres., Checkout Sol. & PayPal | Sell | 732 | $36.2K | Apr 29, 2026 |
Keller Frank officer: Pres., Checkout Sol. & PayPal | Sell | 10,000 | $500K | Apr 29, 2026 |
Natali Chris officer: SVP, Chief Accounting Officer | Sell | 1,337 | $66.13K | Apr 29, 2026 |
Keller Frank officer: EVP, GM, Large Ent & Mer Plat. | Sell | 1,204 | $56.37K | Mar 03, 2026 |
Kereere Suzan officer: President, Global Markets | Sell | 700 | $32.76K | Mar 03, 2026 |
Keller Frank officer: EVP, GM, Large Ent & Mer Plat. | Sell | 19,476 | $902.75K | Mar 03, 2026 |
Income statement · annual
5y| Period | Revenue | Op income | Net income | EPS | Net margin |
|---|---|---|---|---|---|
| FY 2025 | $33.17B | $6.07B | $5.23B | $5.41 | +15.78% |
| FY 2024 | $31.8B | $5.33B | $4.15B | $3.99 | +13.04% |
| FY 2023 | $29.77B | $5.03B | $4.25B | $3.84 | +14.26% |
| FY 2022 | $27.52B | $3.84B | $2.42B | $2.09 | +8.79% |
| FY 2021 | $25.37B | $4.26B | $4.17B | $3.52 | +16.43% |