Market Eyes LivePayPal Holdings, Inc. (PYPL) Stock Rating & Analysis
MELANY's data-driven read on PayPal Holdings, Inc. · Services-Business Services, Nec.
PayPal, spun off from eBay in 2015, provides electronic payment solutions to merchants and consumers with an emphasis on online transactions, ending 2025 with 439 million active accounts. It also owns the person-to-person payment platform Venmo.
Why PYPL scores 63/100
MELANY scores PayPal Holdings, Inc. 63/100 by weighing eight factors. Here is how PYPL breaks down.
Whether the price looks cheap or expensive against earnings, growth, and peers.
- P/E 11.7x vs sector 13.0x median
- PEG ratio 1.13 (< 1 = undervalued)
- FCF yield 8.3%
Margins, returns on capital, and balance-sheet strength.
- Gross margin 40%
- ROE 25%
Direction and relative strength of the recent share-price trend.
- Price +17.8% above 50-day MA
History of beating or missing estimates, and where estimates are heading.
- Beat EPS estimates 3 of last 4 quarters
What Wall Street price targets and revisions are signalling.
Near-term events that could move the stock.
Upside weighed against volatility and drawdown risk.
How the current rate and market regime suits this kind of company.
Key risks for PYPL
- No specific company-level red flags detected, monitor macro regime changes
Sector and theme context
PayPal Holdings, Inc. sits in the Financials / rate cycle theme, which MELANY currently rates 53/100 for strength. Theme strength feeds PYPL's momentum and catalyst factors above.
Tracking PYPL
PayPal Holdings, Inc. rates Hold right now, so MELANY is not flagging a fresh entry. Create a free account to add PYPL to your watchlist and get alerted the moment the rating changes.
How MELANY rates PYPL
MELANY is a rules-based engine that scores every stock from 0 to 100 across eight weighted factors, then re-scores as new price, earnings, and fundamental data arrive. PayPal Holdings, Inc.'s 63/100 reflects mature factor weighting for its profile.
Ratings are algorithmic and change with the data. They are research and education, not personalized investment advice.
Frequently asked questions about PYPL
Is PayPal Holdings, Inc. (PYPL) a buy?
As of 2026-08-26, MELANY rated PayPal Holdings, Inc. Hold with a composite score of 63/100. That is a dated snapshot, not the live rating, and it is an algorithmic reading built from eight factors rather than personalized investment advice. Review the factor breakdown above and the disclaimer below before making any decision.
What is PayPal Holdings, Inc.'s MELANY score?
PayPal Holdings, Inc. (PYPL) has a MELANY composite score of 63/100, combining valuation, business quality, price momentum, earnings track record, analyst sentiment, catalyst setup, risk-adjusted profile, and macro fit.
How is the PYPL stock rating calculated?
MELANY scores PYPL from 0 to 100 across eight weighted factors using live market and fundamental data, then refreshes the rating automatically as new data arrives.
Should I buy PayPal Holdings, Inc. stock?
That decision is yours; Market Eyes Live does not give buy or sell advice. What the data says: MELANY rates PayPal Holdings, Inc. (PYPL) Hold with a composite of 63/100 as of 2026-08-26. The factor breakdown above shows what is driving that, which is a better basis for a decision than any one-word verdict.
What is the PYPL stock price forecast?
MELANY does not publish price targets or forecasts for PYPL. Predicting a future price is exactly the kind of false precision the confidence framework avoids. Instead it scores today's setup, 63/100 across eight factors for PayPal Holdings, Inc., and re-scores automatically as new price, earnings, and fundamental data arrive.
Is PYPL stock overvalued or undervalued?
MELANY's valuation factor currently reads 64/100 for PayPal Holdings, Inc., where a higher score means the price looks more attractive against earnings, growth, and peers. Scores in the 70s and above read as attractively priced, the mid range as roughly fair, and low scores as stretched. The factor breakdown above shows what drives PYPL's read.
What price should I buy PYPL at?
MELANY is not flagging a fresh entry for PYPL at its current Hold rating, so there is no entry zone to publish right now. Watchlisting PYPL in the free app gets you alerted the moment that changes.
What are the risks of buying PYPL stock?
The top risks MELANY currently flags for PayPal Holdings, Inc.: No specific company-level red flags detected, monitor macro regime changes. The rating on this page already weighs these against the bullish factors; see the risk-adjusted profile score in the breakdown above.
Is PayPal Holdings, Inc. a good long-term investment?
For long-term durability the two factors that matter most are business quality, which MELANY scores 62/100 for PayPal Holdings, Inc., and earnings track record, at 70/100. The 63/100 composite blends those with six shorter-horizon factors. Durable quality at a fair price is the long-term case to test; this is research, not personalized investment advice.
Will PYPL stock go up?
Nobody can promise a stock's direction, and Market Eyes Live does not predict prices. The measurable part: MELANY's price momentum factor reads 81/100 for PYPL right now, and the catalyst setup factor tracks whether near-term events could move it. Both re-score automatically as the data changes.
How current is this PYPL rating?
The rating on this page is a snapshot of MELANY's read as of 2026-08-26. The price shown updates live, but the score is not recomputed on this page. MELANY re-scores PYPL continuously as new price, earnings, and fundamental data arrive, and that current rating is free in the app.
PYPL's live rating and alerts are free either way. The app is our flagship.