PYPL

PayPalC

Nasdaq / Financial Services

At close

2026-07-17

Current thesis

Bull case assumes successful Venmo monetization and sustainable take-rate improvement, stable transaction volumes, and operational leverage returning to growth, justifying material upside from the current depressed price.

Posture

Mixed

Lead driver

Value

What changed

Value remains the lead driver in the composite, 7D delta -1.7.

What can break

Intense pricing competition from fintech/Big Tech

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $5.00 · Bull $8.00 · Bear $2.50

Data freshness

Prices

As of 2026-07-17

Fundamentals

As of 2026-07-17 • Vendor: Data Vendor v1

Scores

As of 2026-07-17 • Model: HYBRID_IC_RP

AI Memo

As of 2025-10-10 • Model: RankAlpha Sentiment AI

Investment thesis

As of 2026-07-17

Supporting evidence

What

Grade C · Mixed

Confidence Medium · Net Neutral

Target $48.52

Why

Momentum68 · Δ7d +42.5

Value59 · Δ7d -1.7

Sentiment25 · Δ7d 0.0

So what

Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendImproving

Δ7d

+42.5

Δ21d

+47.0

Value

39% active weight

Current posture

7d trendSoftening

Δ7d

-1.7

Δ21d

-2.8

Sentiment

34% active weight

Current posture

7d trendFlat

Δ7d

0.0

Δ21d

0.0

Why this grade

Composite grade C. Momentum 68.5 / Value 59.3 / Sentiment 24.6

Fundamentals (TTM)

As of 2026-07-17

Market Cap

$49.89B

Beta

1.44

Shares Out

882.11M

P/E (TTM)

11.9

P/S (TTM)

1.69

P/FCF (TTM)

9.97

Rev YoY

+8.8%

EPS YoY

-6.1%

Gross Margin

+41.4%

Op Margin

+18.2%

Net Debt

$1.67B

Current Ratio

1.26

As of 2026-07-17 • Updated nightlySource: Internal modelMethodology