Insider buying last 90 days
No open-market insider purchases were filed for PYPL in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every PYPL insider filing, plotted on the chart in Gekko.Open PYPL in Gekko
NASDAQ: PYPL
PayPal (PYPL) Stock Analysis & Forecast
Oct 20 close
$57.14+0.63 (+1.1%)
Gekko Brief
AI summaryOct 20 closePayPal's week centers on its upcoming Q3 2026 earnings report, due before the open on 27 October. Analysts project earnings of $1.31 per share on revenue of $8.71 billion, and options data points to a potential 7.2% move around the release, though historical price swings have often diverged from such implied estimates. Separately, Cleveland Research downgraded the stock to Underperform from Neutral, part of a broader day of mixed Wall Street rating actions across financial and consumer names, while commentary continues to weigh PayPal's competitive position against peers such as SoFi Technologies.
PayPal closed at $57.14, up 1.1%, sitting above both its 50-day average of $55.99 and 200-day average of $50.03, with the shorter average above the longer one. The GekkoIndex reads 48.4, placing the stock in the Neutral zone, down 2.7 over the past five sessions. Price sits 1.5% above Gekko Fair Value of $56.31.
Earnings arrive in 6 days, well within a typical 20-trading-day holding window, with results historically producing an average absolute reaction of 8.1% and beats in 7 of the last 8 quarters. Over the past 90 days, Congress recorded 1 buy and 0 sells, while the last 30 days show 2 unusual options signals, with put premium of $2,850,630 against call premium of $541,124. Seasonality over the next 20 trading days has averaged -3.5% across 5 years, with gains in 3 of them, a pattern worth noting heading into the report.
Written by AI from the Oct 20, 2026 close and checked automatically against the figures on this page.
PayPal price vs fair value
Close $57.14200-day averageGekko Fair Value $56.29
PayPal quick facts
- Market cap
- $48.88B
- P/E ratio
- 10.7
- Forward P/E
- 9.1
- EPS, TTM
- $5.27
- Revenue, TTM
- $34.13B
- Profit margin
- 14.4%
- Dividend yield
- 0.99%
- Beta
- 1.28
- Volume
- 8.19M avg 10.78M
- 1-year return
- −15.2%
- Typical daily move
- ±2%
- Typical 20-day move
- ±7.4%
- 50-day average
- $55.99
- 200-day average
- $50.03
- Next earnings
- Oct 27 before open
- Shares outstanding
- 855.5M
PayPal swing-trade checklist
PayPal scores 1 supportive, 4 mixed and 1 headwind across the 6 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
1 supportive4 mixed1 headwind
- Trendsupportive
Above 50 and 200-day
Close $57.14 is above the 50-day ($55.99) and 200-day ($50.03) averages, and the 50-day is above the 200-day.
See the chart - GekkoIndexmixed
48.4, Neutral
Reading 48.4 is in the Neutral zone.
See the GekkoIndex - Fair valuemixed
1.5% above
Price is within 5% of Gekko Fair Value (1.5% above).
See fair value - Smart moneymixed
Mixed
Last 90 days: Congress 1 buy / 0 sales. Last 30 days: 2 unusual options signals.
See smart money - Earnings riskheadwind
Reports in 6 days
Reports on Oct 27, 2026, 6 days away — inside a typical 20-trading-day hold.
See earnings - Seasonalitymixed
−3.7% on average
From this point in the calendar, the next 20 trading days averaged −3.7% over 5 years, rising in 3 of them.
See seasonality
A description of current data, not a recommendation. How this page works
PayPal stock chart and price history
PayPal closed at $57.14 on Oct 20, 2026, −15.2% over the past year, inside a 52-week range of $38.46 to $79.22.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- +8.6%
- 3 months
- +2.9%
- 6 months
- +12.3%
- 1 year
- −15.2%
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About PayPal
PayPal builds the digital infrastructure that lets businesses and everyday users move money online. Its services reach consumers and merchants worldwide, letting them send and receive payments across roughly 200 markets and handle around 100 currencies. The company is widely recognized for the PayPal brand itself, alongside other services it operates under one roof.
Its offerings extend well beyond the core PayPal product, covering credit through PayPal Credit, merchant payment processing via Braintree, peer-to-peer transfers through Venmo, international money transfers with Xoom, point-of-sale tools from Zettle, payout services under Hyperwallet, shopping tools through Honey, and installment payments via Paidy. Customers can withdraw funds to bank accounts in 56 currencies and hold balances in 25 currencies within their accounts, reflecting a business built around enabling transactions rather than a single product line.
PayPal was founded in 1998 and is headquartered in San Jose, California. Its shares are listed on the NASDAQ under the ticker PYPL.
- Listed
- NASDAQ
- Sector
- Commercial services
- Industry
- Miscellaneous commercial services
- Website
- paypal.com
PayPal GekkoIndex: the smart money zone
PayPal’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 48.4, in the Neutral zone, down 2.7 points over five sessions.
48.4Neutral
Down 2.7 points over five sessions.
Reading for Oct 20, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 46 | −1.0% | +0.6% | ||
| Accumulation | 243 | +0.1% | −0.1% | ||
| Neutral (current zone) | 365 | +0.3% | +0.3% | ||
| Distribution | 24 | −0.9% | +2.2% | ||
| Selling | 9 | Too few readings yet | |||
Average PYPL share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Neutral readings averaged +1.0% over 20 days. Past behaviour doesn’t guarantee future results.
Neutral zone: No clear directional signal. About the five zones →
See every daily GekkoIndex reading plotted over the PYPL price, zone by zone.Track PYPL in Gekko
Is PayPal stock overvalued? Gekko Fair Value
PayPal trades 1.5% above Gekko Fair Value of $56.29, so the shares are about fair value on Gekko’s estimate.
Gekko’s own estimate of what PayPal shares are worth, recalculated every trading day.
$56.29
Gekko Fair Value, Oct 21, 2026
1.5% above fair value · About fair value
At the end of Aug 2026 the price was 9.3% below the estimate.
Gekko Fair ValueShare price, month end
Gekko Fair Value on every chart, with the gap to price updating daily.Open PYPL in Gekko
PayPal insider and Congress trading
No open-market insider purchases were filed for PayPal, and members of Congress disclosed 1 purchase and 0 sales, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
1trade disclosed: 1 purchase and 0 sales.
| Member | Amount | Disclosed |
|---|---|---|
| John Boozman Senate, AR, purchase | $1,001 - $15,000 | Aug 17 traded Jul 30 |
From congressional disclosures, which report amounts as ranges.
Buybacks
PayPal has been buying back its own shares.
- Bought back, quarter ended Jun 30, 2026
- $1.55B
- As a share of market cap
- 3.18%
- Trailing four quarters
- $6.05B
From company filings.
Unusual options activity last 30 days
2signals, 16% of the flagged premium in calls.
Latest: Bearish flow on Oct 7, $1.04M in unusual premium.
Hedge funds and billionaires quarter ended Jun 30
3of the funds Gekko tracks hold PYPL.
1added1opened1trimmed0sold out
Every signal with its contract, strike and premium, and which funds are on each side.Unlock in Gekko
PayPal earnings: next date and track record
PayPal reports on Oct 27, 2026, before the open (6 days away), and beat the EPS estimate in 7 of its last 8 reports.
Next earnings report
Oct 27, 2026
Expected before the open, 6 days away
- EPS estimate
- $1.31
- Revenue estimate
- $8.71B
7 of 8reports beat the EPS estimate
±8.1%average move across the report
2 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Jul 28, 2026 AI summary
- What they said
- PayPal's Q2 2026 earnings call highlighted progress in a multiyear transformation focused on simplifying the organization, investing in financial services, Venmo, and Braintree, and modernizing technology and risk systems. Management reported revenue growth of 5% (3% currency-neutral), TPV growth accelerating to 9% CN, branded checkout stabilizing at ~2% CN, Venmo and Braintree growing mid-teens, transaction margin dollars (TM$) excluding interest on customer balances up 3%, and non-GAAP EPS of $1.38 (down 1% YoY) which exceeded guidance. Management emphasized cost savings ($1.5B+ program), reinvesting most savings into growth areas (technology, risk, product, marketing), and raised full-year guidance for TM$ and non-GAAP EPS and for online branded checkout to low single-digits. They highlighted BNPL momentum (+26% growth, driven by geographic expansion, partnerships, and merchant integrations), strong free cash flow, and share repurchase/dividend returns. Executives emphasized strategic clarity, metrics to track (ARPA, attach rates, customer lifetime value), and timelines (multiyear transformation with near-term focus on fundamentals and 12–18 months for later phases). Management noted market stabilization, incremental improvement in Europe, and expectations of branded checkout ~2% in Q3. Risk comments were limited to standard uncertainties, competitive intensity in Europe, and macro/regulatory uncertainties implied; management declined to comment on M&A rumors but said the Board is open to objectively evaluate options. Overall tone: cautiously optimistic with measured confidence; management raised guidance and expressed clear plans, but acknowledged normalization in some markets and competitive headwinds.
- Guidance
- Management raised full-year guidance for transaction margin dollars and non-GAAP EPS; raised expectation for online branded checkout growth to low single-digits for the year; expecting branded checkout growth at ~2% in Q3/second half; not planning further rate changes impact in guidance and not expecting additional rate cuts this year. (No specific numeric full-year targets provided in transcript excerpts.)
- Risks flagged
- Competitive intensity in Europe; normalization of high growth in some markets; macro and interest rate environment uncertainty (rate cuts did not occur as previously assumed); execution risk in realizing savings and reinvestment ROI; standard forward-looking statement uncertainties; potential market speculation / change in control (M&A) though company does not comment on specifics.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Jul 28, 2026 | $1.38 est $1.28 | $8.68B est $8.47B | +4.1% |
| May 5, 2026 | $1.34 est $1.27 | $8.35B est $8.05B | −8.2% |
| Feb 3, 2026 | $1.23 est $1.29 | $8.68B est $8.79B | −21.6% |
| Oct 28, 2025 | $1.34 est $1.20 | $8.42B est $8.24B | −0.8% |
| Jul 29, 2025 | $1.40 est $1.30 | $8.29B est $8.08B | −10.9% |
| Apr 29, 2025 | $1.33 est $1.16 | $7.79B est $7.85B | +1.4% |
| Feb 4, 2025 | $1.19 est $1.11 | $8.37B est $8.26B | −11.5% |
| Oct 29, 2024 | $1.20 est $1.07 | $7.85B est $7.89B | −6.4% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
PayPal stock forecast and analyst price targets
Analysts’ average 12-month price target for PayPal is $56.74, −0.7% from the last close, from 30 firms rating the stock in the last 90 days.
$56.74consensus 12-month target, −0.7% from the last close
Now $57.14Avg $56.74
Low $45High $70
Each firm’s latest rating in the last 90 days: 30 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Oct 15 | Bank of America Securities | $53 | −7.2% |
| Oct 14 | BMO Capital | $56 | −2.0% |
| Oct 13 | Goldman Sachs | $49 | −14.2% |
| Oct 12 | Monness | — | — |
| Oct 12 | Bernstein | — | — |
+0.3%average 20-day move after past Neutral readings
−3.7%average move over the next 20 trading days in the last 5 years
±2%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
PayPal seasonality: the next 20 trading days
Over the next 20 trading days from Oct 21, PayPal averaged −3.7% across the last 5 years, rising in 3 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | +0.5% | 3 of 5 |
| Next 10 trading days | −4.0% | 1 of 5 |
| Next 15 trading days | −0.3% | 3 of 5 |
| Next 20 trading days | −3.7% | 3 of 5 |
| Next 30 trading days | −6.3% | 2 of 5 |
For scale, PYPL’s typical 20-trading-day move in either direction is about 7.4%.
PayPal market cap and key statistics
PayPal’s market cap is $48.88B, with a P/E ratio of 10.7 and revenue of $34.13B over the last twelve months.
Valuation
- Market cap
- $48.88B
- P/E ratio
- 10.7
- Forward P/E
- 9.1
- EPS, TTM
- $5.27
- Gekko Fair Value
- $56.29
Trading
- Volume
- 8.19M
- Avg volume, 20 days
- 10.78M
- 52-week high
- $79.22
- 52-week low
- $38.46
- Shares outstanding
- 855.5M
Financials
- Revenue, TTM
- $34.13B
- Profit margin
- 14.4%
- Return on equity
- 24.5%
- Quarterly earnings growth, YoY
- −3.1%
Risk and income
- Beta
- 1.28
- Typical daily move
- ±2%
- Typical 20-day move
- ±7.4%
- Dividend yield
- 0.99%
PayPal stock news this week
Coverage of PayPal this week reads neutral: 2 positive, 13 neutral and 4 negative headlines.
- PayPal Holdings, Inc. Stock 12‑Month Price Target Raised to $56.03, Implies 2% DownsideTradingView, Oct 21
- Should You Invest $1,000 in PayPal (PYPL) Right Now?The Motley Fool, Oct 20
- PayPal shares may move 7.2% on upcoming earnings report By Investing.comInvesting.com South Africa, Oct 20
- PayPal shares may move 7.2% on upcoming earnings reportInvesting.com, Oct 20
- Analysts Estimate Paypal (PYPL) to Report a Decline in Earnings: What to Look Out forZacks Investment Research, Oct 20
- PayPal (PYPL) Projected to Announce Earnings on TuesdayMarketBeat, Oct 20
PayPal peers
PayPal’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| SHOPShopify | Neutral | 18.7% above |
| CTASCintas | Distribution | 20.3% above |
| XYZBlock | Neutral | 9.6% above |
| CPAYCorpay | Neutral | 15.9% below |
| FISVFiserv | Neutral | 37.2% below |
| GPNGlobal Payments | Neutral | 20.5% below |
A peer links to its own page where one exists.
PayPal stock FAQ
What is PayPal’s market cap?
PayPal’s market cap is $48.88B at the Oct 20, 2026 close of $57.14, with 855.5M shares outstanding. The shares trade on a P/E ratio of 10.7.
What is the PayPal stock forecast?
The consensus analyst 12-month price target for PayPal is $56.74, −0.7% from the last close. Of the 30 firms that rated the stock in the last 90 days, 4 rate it a buy, 23 a hold and 3 a sell. Gekko doesn’t publish price predictions of its own.
Is PayPal stock overvalued or undervalued?
On Gekko’s estimate PayPal is about fair value: the Oct 20, 2026 close of $57.14 is 1.5% above Gekko Fair Value of $56.29. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does PayPal report earnings next?
PayPal is expected to report on Oct 27, 2026, before the market opens (6 days away). Analysts expect earnings of $1.31 per share on revenue of $8.71B. PayPal beat the earnings estimate in 7 of its last 8 reports, moving 8.1% on average across the report.
What is PayPal’s 52-week high and low?
PayPal’s 52-week high is $79.22 and its 52-week low is $38.46; it closed at $57.14 on Oct 20, 2026, −15.2% over the past year. Over the last five years the shares peaked at $273.51 on Oct 20, 2021.
Is PayPal stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 1 of the 6 items with data read as supportive (trend), 4 as mixed (gekkoindex, fair value, smart money and seasonality) and 1 as a headwind (earnings risk). The checklist is a description of current data, not a recommendation.
Is there unusual options activity in PayPal?
Gekko flagged 2 unusual options signals in PayPal over the last 30 days, with $541K of flagged premium in calls and $2.85M in puts. The latest, bearish flow, was on Oct 7, 2026 with $1.04M in unusual premium. The signal-by-signal table is in Gekko.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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