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 67/100
MELANY scores PayPal Holdings, Inc. 67/100 by weighing eight factors. Here is how PYPL breaks down.
Whether the price looks cheap or expensive against earnings, growth, and peers.
- P/E 8.7x vs sector 13.0x median
- PEG ratio 0.83 (< 1 = undervalued)
- FCF yield 10.0%
Margins, returns on capital, and balance-sheet strength.
- Gross margin 41%
- ROE 25%
Direction and relative strength of the recent share-price trend.
History of beating or missing estimates, and where estimates are heading.
- Beat EPS estimates 3 of last 4 quarters
- Earnings in 16 days (strong beat history)
What Wall Street price targets and revisions are signalling.
- Institutional net buying +5.6%
Near-term events that could move the stock.
- Earnings in 16 days
Upside weighed against volatility and drawdown risk.
How the current rate and market regime suits this kind of company.
Key risks for PYPL
- Weak price momentum, trend not yet confirmed, may need more time to set up
Sector and theme context
PayPal Holdings, Inc. sits in the Financials / rate cycle theme, which MELANY currently rates 22/100 for strength. Theme strength feeds PYPL's momentum and catalyst factors above.
PYPL trade plan (members only)
MELANY has a full position plan for PayPal Holdings, Inc.: a smart entry zone, an alert level, position sizing, and quarterly review triggers. It unlocks free when you create an account.
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 67/100 reflects mature factor weighting for its profile. Long-horizon position framework with quarterly score-based check-ins.
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 2026-07-12, MELANY rates PayPal Holdings, Inc. BUY with a composite score of 67/100. This is an algorithmic, data-driven rating built from eight factors, not 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 67/100, 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.
How current is this PYPL rating?
The rating on this page reflects MELANY's read as of 2026-07-12. The price shown updates live; the composite score refreshes continuously as new data arrives.
PYPL's entry zone, live alerts, and full trade plan are free either way. The app is our flagship.