PayPal Holdings, Inc. (PYPL)

In the past six months, PayPal's stock (PYPL) has experienced fluctuations, with a share price of $69.25 as of October 3, 2025, a 12.74% decline from October 4, 2024. Year-to-date, the stock was down 21.2%. In Q2 2025, PayPal reported a 5% year-over-year revenue increase to $8.3 billion, and earnings per share (EPS) grew by 20% to $1.40. The company added two million new PayPal and Venmo card users in the United States, bringing its active accounts to 438 million, and total payment volume increased by 6% year-over-year to $443.5 billion. Analysts have issued an average "Hold" recommendation for PYPL, with an average 12-month target price of $84.50.

Demand for PayPal's products and services is influenced by consumer spending patterns and exhibits seasonality. Transaction volumes tend to peak during major shopping seasons and holidays, with months like December being busier and August and September being quieter. PayPal's revenue is largely generated from transactional fees, making it dependent on overall consumer spending and the total number of transactions.

PayPal Holdings, Inc. (PYPL) is a multinational financial technology company focused on digital payments and commerce experiences. Its products include PayPal Wallet for sending and receiving money, PayPal Credit for flexible payments, Braintree for business payment solutions, Venmo for peer-to-peer payments, Xoom for international money transfers, Paydiant for digital payments, Zettle for point-of-sale solutions, and PayPal Honey for finding deals and rewards. PayPal enables fund exchanges with merchants using various funding sources.

PayPal Holdings, Inc. operates in over 200 markets worldwide with its headquarters in San Jose, California, and key offices across North America, Europe, Asia, and Latin America. It operates through two main geographical segments: the United States and Other Countries. In 2024, the United States accounted for 57.45% of PayPal's total revenue, generating $18.27 billion, while "Countries Other Than US And United Kingdom" represented 42.55% of its total revenue, generating $13.53 billion. The "Countries Other Than US And United Kingdom" segment also experienced the highest revenue growth for PayPal in 2024, with an increase of 8.08% compared to 2023.

PayPal's brand reputation has faced challenges including strategic missteps, increased competition, customer service issues, and contentious account closures. An "Innovation Day" conference was met with an uninspiring reaction, but PayPal underwent a brand refresh and highlighted its commitment to responsible business practices. Despite these challenges, PayPal maintains a strong relationship with its customers, supported by a large user base and high favorability ratings.

Approximately 75.68% of PayPal's stock is held by institutional shareholders, 7.67% by PayPal insiders, and 16.64% by retail investors. Major institutional owners include Vanguard Group Inc., BlackRock, Inc., and State Street Corp. The largest individual PayPal shareholder is Pierre M. Omidyar, who owns 7.37% of the company. Insider trading activity in the past year has shown net selling.