PYPL · PayPal Holdings Inc
Price
Snapshot
50 fields · last close| Market Cap | $48.05B |
| P/E | 9.81 |
| Float | 849.4M |
| Beta | 1.34 |
| Volatility | 33.6% |
| Exchange | NASDAQ |
| Sector | Financial Services |
| Cap tier | Large cap |
| Macro sensitivity | High |
| Clavix score | 66.3 |
| Price | 55.97 |
| Change | −0.36% |
| Prev Close | 56.17 |
| Open | 56.21 |
| Day Low | 55.83 |
| Day High | 56.40 |
| Avg Vol | 10 |
| Avg $ Vol | $551.1M |
| 52W High | 79.22 |
| 52W Low | 38.46 |
| 52W Pos | 43.0% |
| From High | −29.34% |
| From Low | +45.53% |
| Max DD 1Y | −46.48% |
| Spread | 0.10% |
| Liquidity | Deep |
| SMA 20 | +3.93% |
| SMA 50 | −0.43% |
| SMA 200 | +11.74% |
| RSI (14) | 58.7 |
| Vol 30D | 31.1% |
| Vol 90D | 45.3% |
| 1Y Range | 38–79 |
| Daily bars | 533 |
| Perf Week | +2.86% |
| Perf Month | +3.96% |
| Perf Quarter | +1.17% |
| Perf Half Y | +17.09% |
| Perf Year | −19.57% |
| Perf YTD | −3.73% |
| Prev Day | −0.36% |
| Clavix | B- |
| Debt / Eq | 0.54 |
| Curr Ratio | 1.29 |
| Int Cover | 14.3× |
| FCF Margin | 16.8% |
| Rev Growth | +4.3% |
| Profit | Profitable |
| Leverage | Low |
| Sector rank | 57 / 69 |
What PYPL does
PayPal Holdings, Inc. operates a technology platform that enables digital payments for merchants and consumers worldwide.
The company operates a two-sided network at scale that connects merchants and consumers that enables its customers to connect, transact, and send and receive payments through online and in person, as well as transfer and withdraw funds using various funding sources, such as bank accounts, PayPal or Venmo account balance, consumer credit and debit products, credit and debit cards, and cryptocurrencies, as well as other stored value products, including gift cards and eligible rewards.
It provides payment solutions under the PayPal, PayPal Credit, Braintree, Venmo, Xoom, Hyperwallet, Honey, and Paidy names.
The company was founded in 1998 and is headquartered in San Jose, California.
Clavix risk grade
regraded every trading dayPYPL grades B-, 66.3 of 100. Steadiest on News Sentiment (61), most exposed on Price Stability (53, mixed). 1 of the 4 weighted dimensions sit above the Financial Services median. Ranks 57 of 69 in Financial Services by Clavix score.
How rough the ride is
| PYPL | Financial Services median | |
|---|---|---|
| Betavs the overall market · lower is steadier | 1.34 | 1.21 |
| Volatilityannualized | 33.6% | 30.2% |
| Max drawdown, past yearworst peak-to-trough fall | −46.5% | — |
| Typical daily movemedian absolute daily change | 1.25% | — |
| Days beyond ±3%of the last 252 sessions | 34 (13%) | — |
How its days are spread
Daily returns over the last 252 sessions in 1% bins. Moves beyond ±6% land in the end bins.
52-week range
The bar runs from the lowest to the highest close of the last 252 sessions; the marker is the latest close.
Drawdown from the 1-year peak
Percent below the running high over the last 12 months. Zero is a fresh high.
Market sensitivity
| PYPL | Financial Services median | |
|---|---|---|
| Beta to the markethow much it swings with the S&P 500 · lower is safer | 1.34 | 1.21 |
| Macro sensitivityrate, dollar and credit exposure bucket | High | Moderate 41% of 70 |
Where it sits on the macro scale
Low means rates, the dollar and credit spreads barely move it. Very High means they drive a large share of its swings. The counts are how many Financial Services names sit in each bucket.
Where it ranks in its sector
Rank by Clavix score within the sector. Right is the top of the sector.
Price performance
| PYPL | |
|---|---|
| 1 week | +2.9% |
| 1 month | +4.0% |
| Year to date | −3.7% |
| 1 year | −19.6% |
Context for the rank, not itself a risk measure.
Recent coverage, scored
| PYPL | |
|---|---|
| Articles scoredthe most recent scored coverage, up to 30 | 30 since 14 Sep |
| Average score0 most bearish, 100 most bullish | 59 |
| Bullish · bearisharticles above 60 · below 40 | 20 · 4 |
| Directionarticles whose tone is improving vs worsening | 20 ↑ 4 ↓ |
Where the article scores land
Each bar is a 10-point band of article scores. Below 40 reads bearish, above 60 bullish.
Balance sheet, against the sector
The shaded band is the middle half of the 70 Financial Services names Clavix covers; the tick is the sector median.
Growth
| PYPL | |
|---|---|
| Revenue growthyear over year | +4.3% |
Financial Health is shown but does not count toward the grade. Why
0–100, higher is safer. The tick on each bar is the Financial Services median. Click a dimension for the evidence behind it. Financial Health is shown but does not count toward the grade.
Recent news
most recent scored articles · the chip is the article’s score · click to openPayPal is pushing deeper into credit, Buy Now Pay Later, and AI-driven payment infrastructure while planning stock buybacks and working to steady its checkout business. The stock has gained 18.78% over the past 90 days but is still down 26.56% over the last year.
PayPal's core checkout button grew only 2%, but its wider payment products grew faster: broader branded experiences rose 6%, debit card spending jumped over 60%, and Venmo's total payment volume climbed 14%. Customers who use both the debit card and Venmo pay together generate more than nine times the revenue of average accounts, and PayPal holds $39.7 billion in customer balances it can tap into for credit and other financial services.
PayPal has been integrated into Canva, letting users search for PayPal inside the design tool and drop a payment link or QR code directly onto a design so they can get paid without building a separate checkout page.
PayPal stock trades at 9.8 times earnings, less than half the S&P 500's multiple of 21.5, and the company has shifted its strategic emphasis away from its branded online checkout service, with the article asking what management now prioritizes instead.
PayPal moved $1 billion between its own subsidiaries in a matter of hours using its PYUSD stablecoin, demonstrating a real-world use of the token for corporate treasury transfers.
Nearest peers by size
Financial Services| Ticker | Company | Grade | Mkt cap | P/E | Beta | |
|---|---|---|---|---|---|---|
| COIN | Coinbase Global Inc | D | $47.96B | 38.06 | 3.34 | Compare |
| STT | State Street Corp | B+ | $47.83B | 13.72 | 1.38 | Compare |
| XYZ | Block Inc | B- | $49.16B | 127.04 | 2.60 | Compare |
| NDAQ | Nasdaq Inc | B+ | $52.25B | 26.63 | 1.01 | Compare |
| AMP | Ameriprise Financial Inc | B+ | $43.58B | 11.03 | 1.14 | Compare |
| MSCI | MSCI Inc | B+ | $40.77B | 30.31 | 1.24 | Compare |
| APO | Apollo Global Management Inc | B | $68.67B | 36.62 | 1.52 | Compare |
| BAM | BROOKFIELD ASSET MANAGEMENT LTD | B | $74.10B | 26.42 | 1.65 | Compare |
You just read one holding. Clavix reads the whole portfolio.
Every position you own, graded on the same five dimensions, with an alert when a grade moves. Three months free on iPhone.