PayPal Holdings, Inc.
PYPLFinancial ServicesNASDAQCredit Services · Last scanned Oct 26, 2026
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Daily timeframeHeadquartered within the financial services sector, PayPal Holdings, Inc. focuses on Credit Services services and products. PayPal Holdings, Inc. operates a technology platform that enables digital payments for merchants and consumers worldwide. The $49.15B market capitalization puts PYPL squarely in large-cap range for its industry. 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.
Market Cap
$49.15B
Beta
1.28
P/E (TTM)
10.66
P/E (Fwd)
9.87
EPS (TTM)
$5.35
EPS (Fwd)
$5.78
ROE
24.5%
ROA
4.6%
Cash
$11.26B
Total Debt
$14.22B
Free CF
$4.42B
52W Change
-18.8%
Annual Financials
Cash vs Debt
Where PYPL stands vs its 150-day and 200-day moving averages
As of the September 30, 2026 close, PYPL finished 9.24% above its 150-day moving average ($49.33) and 7.50% above its 200-day moving average ($50.13). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is PYPL overbought or oversold?
At the September 30, 2026 close, PYPL's RSI(14) was 60.1, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
On the balance sheet, PYPL has $11.26B in cash with $14.22B in obligations. The ability to service this debt comfortably depends on continued operational cash generation. Annual free cash flow of $4.42B supports ongoing capital allocation decisions and provides a cushion against unexpected expenses or downturns. ROE of 24.5% points to strong capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 4.6% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $27.52B (2022) to $33.17B (2025), reflecting a 21% increase over the period.
As with any equity investment, PYPL carries market risk, sector-specific risk, and company-specific risk that investors should evaluate in the context of their own portfolios. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence PayPal Holdings, Inc.'s trajectory.