PayPal Holdings, Inc logo

PayPal Holdings, IncNasdaq: PYPL

Financials · Transaction & Payment Processing Services

$43.22

-2.45%

Vol: 6.7M

Research Digest

Monday, June 15, 2026

Neutral

No significant overnight updates

No material news in the last 48 hours.

Price 50d 200d

Previous Market Intelligence

13 days
Jun 14No significant overnight updatesNeutral

No material news in the last 48 hours.

May 21PayPal faces $30M DOJ settlement and UK FCA probe; insider buys 8,504 sharesNegative

PayPal will pay $30M to the DOJ over illegal DEI practices, and the UK Financial Conduct Authority opened a competition-based probe on digital wallet practices involving PayPal, Mastercard, and Visa. On May 15, President of Global Markets Kereere Suzan acquired 8,504 PYPL shares via M-Exempt transaction. PayPal posted Q1 EPS of $1.34 (beat $1.27) on May 5 but shares fell 8.18% pre-market on cautious guidance; the new CEO is restructuring the company into three segments. PYPL also secured a Seattle Seahawks NFL ticketing partnership. A May 18 filing showed Donald Trump purchased PYPL stock.

May 20No significant overnight updatesNeutral

No material news in the last 48 hours.

May 19No significant overnight updatesNeutral

No material news in the last 48 hours.

May 18PayPal slipped to $44.41 on May 17 after Macquarie downgraded to Neutral with a $50 PT, citing competitive pressures.Negative

PayPal shares traded $44.16-$45.23 on May 18 after closing at $44.41 on May 17, down from a previous close of $45.04. Macquarie analyst Paul Golding downgraded PayPal to Neutral from Outperform and cut his price target to $50 from $58, weighing on the stock. Recent corporate developments include PayPal issuing $2 billion in new senior notes, agreeing to a $30 million DOJ settlement over alleged illegal DEI practices, and setting a new global goal to support 25 million people and small businesses by 2030. The Q1 earnings beat from May 5 (EPS $1.34 vs $1.27 estimate, revenue $8.35B) and a Seattle Seahawks NFL ticketing partnership remain key positive backdrops. PayPal targets $6 billion FY26 free cash flow.

May 15PayPal settles DOJ DEI probe for $30M and prices $2B multi-tranche notes offering as stock languishes near $45 with Hold consensus PT $57 despite Q1 beat.Mixed

PayPal Holdings reported Q1 2026 revenue of $8.35B (+7% YoY) topping the $8.05B estimate, with adjusted EPS of $1.34 vs $1.27 expected. The company restructured around three units — PayPal, Venmo, and crypto — targeting ~$1.5B in savings over 2-3 years. PayPal agreed to a $30M settlement with the DOJ over its DEI practices, and pledged fee waivers via a new Small Business Initiative. The company priced $2.0B of notes across 2028/2031/2036 maturities and announced a partnership with Anthropic to deliver free AI training to small businesses, plus a multi-year deal with the Seattle Seahawks as Official Fan-to-Fan Payments Partner. Risk: 28-analyst average rating remains Hold with PT $57 (~27% upside) as the market remains skeptical on durable growth re-acceleration.

May 14PayPal announced plans to cut ~20% of staff during its May 5 Q1 earnings call, targeting $1.5B in AI-driven cost reductions and $6B FY26 free cash flow, but shares fell on cautious guidance.Mixed

PayPal reported Q1 2026 revenue of $8.35B on May 5, up 7.21% YoY and beating expectations by $296.78M, though GAAP EPS of $1.21 missed by $0.03 (some reports cite adjusted EPS of $1.34 beating $1.27). Shares tumbled as investors focused on rising operating expenses and cautious forward guidance, with PYPL closing at $45.29 on May 13. Management announced plans to cut about 20% of staff and rebuild the business, targeting $1.5B in organizational and AI-driven cost reductions and $6B in FY26 free cash flow. The company signed a partnership with Anthropic for AI training for small businesses, a new NFL ticketing deal with the Seattle Seahawks, and faces a recent $30M settlement over a DEI program. Analyst sentiment is mixed across Sell/Hold/Buy ratings, with near-term margin pressure expected before cost savings materialize over 2-3 years.

May 13PayPal beat Q1 2026 estimates on May 5 but shares fell about 10% on weak forward guidance and 20% staff cut planNegative

PayPal reported Q1 2026 EPS of $1.34 versus $1.27 expected, with revenue of $8.35B up 7.21% YoY and beating estimates by $296.78M. Total Payment Volume rose 11% to $464B. However, the stock dropped about 10% post-earnings as investors focused on rising operating expenses and cautious forward guidance. On the earnings call, PayPal announced plans to cut roughly 20% of its staff and rebuild its business, targeting $1.5B in cost reductions over 2-3 years and $6B in FY26 free cash flow. The company returned $1.5B to shareholders via buybacks of about 34M shares. PayPal also announced a partnership with the Seattle Seahawks expanding NFL ticketing. Analyst consensus remains Hold.

May 12PayPal shares plunge >10% on weak Q2 guidance despite Q1 beat; plans 20% staff cut as it targets $1.5B in AI-driven cost cutsNegative

PayPal Q1 2026 results on May 5 beat expectations: EPS $1.34 (vs $1.27 est.) and revenue $8.35B (+7.2% YoY, beat by ~$297M). Venmo and BNPL volumes posted strong double-digit growth. However, shares fell over 10% premarket as investors focused on weak Q2 guidance: transaction margin dollars projected to decline low-single-digits (~-3%) and non-GAAP EPS expected to fall high-single-digits (~-9%) vs Q2 2025 $1.40. Company announced plans to cut ~20% of staff and target $1.5B in organizational and AI-driven cost reductions, with FY26 free cash flow guidance of $6B. PayPal also formed a multi-year partnership with the Seattle Seahawks. Quarterly cash dividend of $0.14 declared with June 4 ex-date. Stock around $45.21 on May 12; 28 analysts rate Hold with median PT $57.04 (~27% upside).

May 11PayPal plunges 10% after Q1 beat as guidance disappoints and management announces 20% workforce cutNegative

PayPal reported Q1 2026 results on May 5 with revenue of $8.35 billion (+7.21% YoY, beating by $296M) but GAAP EPS of $1.21 missed by $0.03. Total Payment Volume rose 11% to $464 billion. Shares dropped more than 10% in premarket as management announced plans to cut about 20% of staff and rebuild the business. The company targets $6 billion in FY26 free cash flow and $1.5 billion in organizational/AI-driven cost reductions. Macquarie downgraded to Neutral with a $50 price target (from $58). The UK FCA launched a competition probe into digital wallet practices involving PayPal, Mastercard, and Visa. Risk: layoffs signal deeper structural challenges and slowing transaction margin growth.

May 8PayPal Q1 beats earnings but stock plunges 10% on weak forward guidance and CEO transformation plans.Negative

PayPal reported Q1 2026 earnings and revenue surprises of +5.85% and +2.96% respectively, exceeding expectations. However, shares fell sharply ~10% on May 5 due to weak forward guidance and concerns about restructuring under new CEO Enrique Lores. The company announced 20% workforce reduction and reorganization into three business units targeting $1.5 billion in cost savings. TPV grew 11%, revenue 7%, with Venmo and PSP leading. U.K. FCA investigating PayPal over suspected anti-competitive conduct. Macquarie downgraded to Neutral from Outperform with target $50 (down from $58). Consensus rating Hold; stock now trades ~$46, down 32.3% over past year.

May 7PayPal Q1 2026 beats estimates with $8.4B revenue (+7% YoY) and $1.34 adjusted EPS, but stock tumbles 10% on weak Q2 guidance (9% EPS decline expected).Negative

PayPal shares tumbled ~10% on May 5 to $45.50 despite Q1 2026 earnings beat: revenue $8.4B (+7% YoY), adjusted EPS $1.34 beating consensus. TPV grew 11%, revenue +7%; Venmo and PSP led segment gains. However, weak Q2 guidance disappointed: EPS expected to decline 9% YoY, signaling Q1 beat was backward-looking. New CEO Enrique Lores executing major transformation: 20% workforce reduction, reorganization into three business units, targeting $1.5B cost savings over 2-3 years. UK FCA investigating Mastercard, Visa, PayPal for suspected anti-competitive conduct. Macquarie downgraded to Neutral PT $50 from Outperform $58. Analyst consensus: Hold with average PT $48.93 (-2.9% downside). Stock down 13% YTD, 25% past year, 80% over five years.

May 6PayPal Q1 beats but Q2 guidance weak; CEO Lores restructures into 3 unitsNegative

PayPal reported Q1 2026 earnings of $1.34 per share (beat $1.27 est.) on revenue of $8.4B (+5% constant currency), beating $8.1B guidance. Despite strong results, shares fell 9% on weak Q2 2026 guidance expecting high-single-digit EPS decline (~9%) and margin pressure. New CEO Enrique Lores introduced a simplified 3-business model (Checkout/PayPal, Consumer Financial Services/Venmo, Payment Services/Crypto) focusing ruthlessly on high-growth priorities. Goldman Sachs and Truist maintain Sell ratings citing margin concerns. Analysts rate stock Hold with $48.93 price target (2.9% downside).

Sector Peers

CompanyPriceDay1MFwd P/EBetaMkt Cap
VVISA$325.40-1.73%-0.5%22.3x0.78$629.7B
MAMASTERCARD$490.63-1.80%-1.2%21.9x0.76$441.5B
XYZBLOCK$74.63+8.71%-2.8%13.8x2.57$40.9B
PYPLPAYPAL$43.22-2.45%-0.2%7.7x1.40$39.1B
FISVFISERV$49.04-12.15%-1.5%6.2x$29.8B
CPAYCORPAY$353.56+1.76%-0.3%11.3x0.82$22.7B

Key Fundamentals

Market Cap$39.1B
P/E (TTM)8.3
Forward P/E7.7
Beta1.40
Div Yield126.00%
Prev Close$44.30

RSI (14-Day)

19Oversold
0305070100

52-Week Range

$38.46$43.22$79.50
From High-45.6%
From Low+12.4%

Moving Averages

50d SMA
$46.44-6.9%
200d SMA
$57.55-24.9%

Price below 200d MA — bearish structure.

Historical Returns

1W
-4.0%
1M
-13.2%
3M
+7.6%
6M
-35.4%
1Y
-40.2%
YTD
-25.4%

Volume

Today6.7M
20d Avg14.2M
Ratio0.47x