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PYPL

PayPalB
Nasdaq / Financial Services
Last Price
Quote time unavailable
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Current thesis
The bull case is a turnaround: branded checkout stabilizes, Venmo and Braintree sustain momentum, TPV growth remains strong, and buybacks plus the dividend support per-share value. The raised full-year outlook provides some management confidence, but confirmation depends on future account and margin improvement.
Posture
Constructive
Lead driver
Sentiment
What changed
6 setup hits (3d) with net bullish as of 2026-09-12.
What can break
Active accounts increased only 0.3% year over year and declined slightly sequentially.
Momentum
59
Value
59
Sentiment
66
Setup hits (3d)
6 · Net Bullish
AI TargetsBase $56.00 · Bull $70.00 · Bear $46.00Analysis 2026-08-07; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-11 • Model: HYBRID_IC_RP
AI Memo
As of 2026-08-07 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-11

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-11. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Bullish
Target $56.13
Why
Momentum59 · Δ7d -26.7
Value59 · Δ7d -8.0
Sentiment66 · Δ7d +0.4
So what
Strength-led posture (Net Bullish). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • 6 setup hits (3d) with net bullish as of 2026-09-12.
  • • Sentiment remains the lead driver in the composite, 7D delta +0.4.

Contradictions & invalidation

  • • Active accounts increased only 0.3% year over year and declined slightly sequentially.
  • • Analyst target count, estimate revisions, and post-earnings rating changes are unavailable in the packet.
  • • The bear case is that flat active accounts, declining operating income, and margin compression indicate weak branded-checkout economics and costly transformation spending.

Catalyst clock

2026-08-31

Q2 margin compression and account stagnation

Lead driver: Sentiment · See AI snapshot
Momentum
59
9% active weight
Current posture
7d trendSoftening
Δ7d
-26.7
Δ21d
-32.0
Value
59
28% active weight
Current posture
7d trendSoftening
Δ7d
-8.0
Δ21d
+0.1
Sentiment
66
62% active weight
Current posture
7d trendFlat
Δ7d
+0.4
Δ21d
+16.6
Why this grade

Composite grade B. Momentum 58.6 / Value 59.2 / Sentiment 66.5

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-08-07. Scenario method

B+
Bull case
20%
Probability
Target price
$70.00
Analysis reference price unavailable
Analysis 2026-08-07 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$56.00
Analysis reference price unavailable
Analysis 2026-08-07 · RankAlpha Sentiment Codex
B-
Bear case
30%
Probability
Target price
$46.00
Analysis reference price unavailable
Analysis 2026-08-07 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$51.73B
Beta
1.44
Shares Out
855.46M
P/E (TTM)
11.9
P/S (TTM)
1.69
P/FCF (TTM)
9.97
Rev YoY
+3.8%
EPS YoY
-3.0%
Gross Margin
+40.9%
Op Margin
+18.9%
Net Debt
$1.67B
Current Ratio
1.29
As of 2026-09-11 • Updated nightlySource: Internal modelMethods & Data