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Stock rating · Services-Business Services, Nec
PayPal Holdings, Inc. (PYPL) Stock Rating & Analysis
As of October 13, 2026, MELANY rates PayPal Holdings, Inc. 71 out of 100 (Highest Conviction). Its highest factor score is catalyst setup at 100, and its lowest is macro fit at 50.
MELANY ratingRated 2026-10-13PYPL · composite score
About PayPal Holdings, Inc.
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.
Rating as of 2026-10-13 · this is a dated snapshot; the live rating is in the app (Pro, free for 30 days). The price above updates in real time.
How PYPL's rating has moved
- +1Past week, since Oct 6: score rose 1 point to 71.
- +5Past four weeks, since Sep 15: score rose 5 points to 71.
Weekly points: Sep 15: 66 · Sep 22: 67 · Sep 29: 69 · Oct 6: 70 · Oct 13: 71 (this page).
From MELANY's own dated rating record. A tier change is reported as a move between named tiers; the score carries the direction.
Why PYPL scores 71/100
PYPL's 8 factor scores run from 50 to 100, and 2 of them sit above its composite of 71. Here is how PYPL breaks down.
Whether the price looks cheap or expensive against earnings, growth, and peers.
- P/E 10.5x vs sector 13.0x median
- PEG ratio 0.98 (< 1 = undervalued)
- FCF yield 9.3%
Margins, returns on capital, and balance-sheet strength.
- Gross margin 40%
- ROE 25%
Direction and relative strength of the recent share-price trend.
- 50-day MA above 200-day (golden cross zone)
History of beating or missing estimates, and where estimates are heading.
- Beat EPS estimates 3 of last 4 quarters
- Earnings in 14 days (strong beat history)
What Wall Street price targets and revisions are signalling.
Near-term events that could move the stock.
- Earnings in 14 days
Upside weighed against volatility and drawdown risk.
How the current rate and market regime suits this kind of company.
How PYPL compares
As of October 13, 2026, PayPal Holdings, Inc. ranks 2nd of the 10 companies with a MELANY rating page in its SEC industry group (Services-Business Services, Nec), where the average score is 65.
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 19/100 for strength. Theme strength feeds PYPL's momentum and catalyst factors above.
PYPL trade plan (Pro)
MELANY has a full position plan for PayPal Holdings, Inc.: a smart entry zone, an alert level, position sizing, and quarterly review triggers. It is part of Market Eyes Pro, and the first 30 days are free.
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 71/100 reflects mature factor weighting for its profile. Position framework managed by score-based check-ins, not a fixed holding period.
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 2026-10-13, MELANY rated PayPal Holdings, Inc. Highest Conviction with a composite score of 71/100. 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 71/100, combining valuation, business quality, price momentum, earnings track record, analyst sentiment, catalyst setup, risk-adjusted profile, 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) Highest Conviction with a composite of 71/100 as of 2026-10-13. 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, 71/100 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 70/100 for PayPal Holdings, Inc., where a higher score means the price looks more attractive on that measure. 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?
Rather than chasing the current price, MELANY computes a smart entry zone for PYPL: the price area where risk and reward actually favor a new position, plus an alert level and position sizing. The exact levels are part of Market Eyes Pro, which starts with a 30-day free trial.
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 72/100. The 71/100 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 71/100 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 2026-10-13. 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 the current rating is in the app (Pro, free for 30 days).
How this rating works
Market Eyes Live
Every rating graded in public, PYPL included
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