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PayPal Holdings, Inc.

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PayPal (PYPL) at a CrossroadsPayPal Holdings, Inc. (NASDAQ: PYPL) finds itself at a critical investment juncture. A year-to-date decline of 27.5% has shaken shareholder confidence, driven by a perfect storm of macroeconomic headwinds, intensified competitive pressure from incumbents like Visa (V) and Mastercard (MA), and short-term tariff concerns. This sharp correction forces a fundamental question: is this the unraveling of a former leader, or a profound mispricing of a company in the midst of a strategic transformation? A comprehensive analysis suggests the latter—that PYPL represents a compelling "buy-the-dip" opportunity for long-term investors, with its deeply discounted valuation now aligned with a clear technical roadmap for recovery. Fundamental Thesis: Transformation Amidst Turbulence The bearish narrative is well-known, but it overlooks a powerful strategic pivot already underway. PayPal is successfully evolving from a single-button checkout service into a multi-faceted commerce and financial technology platform. Growth Engines Are Firing: The company's future is being secured by two high-velocity segments. Venmo is a powerhouse among younger demographics, with revenue jumping 20% YoY in Q3 2025 and its debit card acquiring 1 million new users in the quarter alone. Simultaneously, Branded Checkout remains a core profit center, now expanding into omnichannel and in-store payments with initiatives like tap-to-pay, which grew 65% YoY. Building the Next-Generation Ecosystem: Innovations such as PayPal Ads (a retail media network for small businesses), PayPal World (aggregating global digital wallets), and Agentic Commerce partnerships with leaders like Anthropic and OpenAI are not mere experiments. They are strategic bets to embed PayPal deeper into the commerce lifecycle, moving beyond pure payment processing to become an indispensable platform for discovery, engagement, and conversion. Compelling Valuation & Revised Expectations: The sell-off has created a stark valuation disconnect. Trading at a forward P/E of 10.62x—less than half its industry peer average and a steep discount to Visa (25.52x) and Mastercard (28.99x)—PYPL screens as a deep value stock. This is underscored by a positive earnings revision trend, with consensus estimates projecting steady double-digit EPS growth through 2026. In essence, the market is pricing PYPL as a stagnant legacy player, while the company is executing a blueprint to become a future-facing commerce OS. This is the core of the opportunity. Technical Analysis: A Measured Path for Recovery The sharp decline has reset the chart, creating a clear Fibonacci retracement framework from the recent high to the 52-week low. This provides objectively defined levels for a potential recovery, aligning with the fundamental turnaround story. The primary technical expectation is for PYPL to stabilize and begin a gradual, stair-stepped recovery. The following Fibonacci retracement levels serve as logical profit-taking milestones and resistance zones on the path back up: First Target & Initial Resistance: $64.77 (0.236 Fib) This is the initial and most immediate test for any sustained bullish momentum. A reclaim of this level would signal that the downward impulse has conclusively ended and the first phase of recovery is in play. It represents a moderate +13% gain from a recent base near $57. Second Target & Mid-Tier Resistance: $70.29 (0.382 Fib) Achieving this level would represent a more significant +23% move and indicate strengthening conviction in the company's transformation narrative. It would likely require continued operational execution and perhaps a couple of quarters of solid earnings that validate the growth in Venmo and new initiatives. Third Target & Major Recovery Zone: $74.76 (0.50 Fib) This is the key "recovery of half the lost ground" level, representing a +31% advance. A move to this zone would signify that the market has broadly repriced PYPL, acknowledging the success of its strategic shift and its regained competitive footing. This aligns with a scenario where new revenue streams from ads, crypto, and platform services begin to show material contribution. Synthesis: A Calculated Opportunity The confluence of factors presents a high-probability, asymmetric investment setup. The Risk (The Bear Case): Is largely priced in. Further downside would likely require a complete failure of Venmo's monetization, a collapse in branded checkout share, or a wholesale abandonment of its innovation bets—scenarios not supported by current growth metrics. The Reward (The Bull Case): Is supported by both deep-value fundamentals and a clear technical structure. The path to a 30%+ total return (toward the $74.76 Fib target) is plausible if the company simply continues its current execution trajectory and the market corrects its excessive pessimism. Conclusion: PayPal's current price action reflects fear and short-term challenges but ignores resilience, scale, and transformation. For investors with a 12-24 month horizon, this dip is not an exit signal but a rare chance to acquire a foundational fintech name at a deep discount. The playbook is clear: accumulate at or near current levels, with the understanding that the recovery will be a process, not an event, targeting a gradual ascent through the defined Fibonacci retracement levels at $64.77, $70.29, and ultimately $74.76.
NASDAQ:PYPLLong
by KalaGhazi
PayPal Holdings, Inc. accumulation near support could spark upsiCurrent Price: $58.81 Direction: LONG Confidence Level: 62% (I'm assigning a moderate confidence because while the direct trader analysis is sparse, the sentiment we do see leans bullish, and price is sitting close to recently mentioned support levels) Targets: - T1 = $60.50 - T2 = $62.50 Stop Levels: - S1 = $57.50 - S2 = $56.80 **Wisdom of Professional Traders:** This analysis combines what multiple professional traders are saying and what’s currently buzzing across X’s trading circles. Even though PayPal wasn’t the focal point in all clips, the traders who did speak about it pointed to accumulation patterns and defined support zones. The collective sentiment is leaning towards a near-term push higher. Within the trading community, the buy-now-pay-later adoption trend and steady engagement with PayPal’s payment ecosystem are seen as signs of consistent user demand, underpinning technical setups. **Key Insights:** Here’s what I’m watching: in one breakdown, several traders highlighted that as long as $62.50 isn’t lost on the chart, PayPal has room to make a short-term upside run. That $62.50 level is a clear weekly resistance target, but with current price under $59, there’s room for a test without overstretching. On the sentiment side, X data, while limited, was exclusively bullish in recent posts, which adds to the bias. The snippets show talk of “accumulation” rather than distribution, which is a strong upside hint—especially with price consolidating just above broader market support. This all ties into the bigger view: PayPal’s current chart positioning is more about grinding off lows than breaking down. Traders like to take longs in these accumulation channels if there’s a clear stop line, and here that stop line appears to be just under $57.50. The confluence of technical and sentiment signals suggests we lean into the long side this week. **Recent Performance:** PayPal has been in a grinding sideways-to-slightly-up motion over the past few sessions. After failing to break above $62.50 a couple of weeks ago, price pulled back and found footing around $58. Bulls stepped in to defend against deeper declines, which aligns with the accumulation talk from traders. This stability contrasts with the more volatile broader NASDAQ moves, showing the stock is holding relative strength in choppy market conditions. **Expert Analysis:** The collective trader analysis points out that $62.50 is the near-term ceiling and $57.50 is the key floor. Holding above that floor is critical for maintaining the bullish setup. Several traders described this as an “accumulation zone,” with the logic being that a push through $60.50 in the next few sessions could trigger momentum buys toward the $62 handle. Technically, PayPal’s moving averages are curling upwards slightly, providing mechanical support to the bullish case. **News Impact:** There hasn’t been a major corporate headline in the last few days, but macro sentiment and seasonal factors—like increased end-of-year consumer spending—are supportive of digital payment platforms. Traders across platforms are quietly factoring in that PayPal’s BNPL product usage, mentioned in one discussion, has staying power in the holiday transaction mix. This could lead to incremental upside as transaction volume data trickles in. **Trading Recommendation:** Here’s my take: I’d consider going long at current levels with a target to scale out partially at $60.50 and leave a runner toward $62.50, keeping stops tight under $57.50 with a safety net at $56.80. This approach uses the recent accumulation zone to lean into probable bullish follow-through without risking too much if support fails. Keep position sizing moderate given the only moderate confidence from limited data, but with sentiment and chart positioning tilted bullish, there’s a decent case for a short-term upside trade in PayPal.
NASDAQ:PYPLLong
by CrowdWisdomTrading
Paypal LONGBuy near the demand zone: The price is expected to react upwards from the demand zone (around $57-$61). Stop loss: Place a stop just below the demand zone to limit risk. Take profit (TP): Gradually take profits as price approaches and enters the supply zone (around $100-$120). Watch volume: Make sure there’s rising volume when price leaves the demand zone, and pay attention to any retests. In essence: Buy at support, sell at resistance, and protect losses with a stop.
NASDAQ:PYPLLong
by Low_Leverage_Matthew
1
PayPal Under Pressure! Bearish WMA Break Signals Downside🎯 PYPL: The "Weighted MA Breakout Heist" 💰 | Bears Taking Control 📊 Asset Overview PayPal Holdings Inc. (NASDAQ:PYPL) - Digital payments heavyweight showing bearish signals after weighted moving average breakdown. 🔍 The Setup: When Moving Averages Tell Tales The chart's singing a bearish tune, folks! 🎵 We've got a Weighted Moving Average breakout to the downside — and when WMA breaks, it usually doesn't ask for permission to keep falling. Think of it like gravity... but for stock prices! 📉 💡 Trade Blueprint 🚪 Entry Zone Flexible entry approach - Current market price works as entry. The beauty of this setup? The trend is your friend, so catching this wave at various levels could work. Just don't chase it blindly! 💭 Pro Tip: Scale in rather than going all-in at once. Dollar-cost averaging on the way down can be your best friend in bearish plays. 🛡️ Risk Management (The "Safety Net" Level) Stop Loss: $68.00 🚨 Look, I'm calling this the "thief SL" because if price touches this level, you need to exit stage left — no questions asked! This isn't financial advice, just a technical level where the bearish thesis breaks down. ⚠️ Important: Set YOUR OWN stop loss based on your risk tolerance and account size. This is just a technical reference point, not a commandment carved in stone! 🎯 Profit Target (The "Escape Route") Target: $60.00 💵 Why $60? Three compelling reasons: 📍 Moving Average Support Zone - Historical MA convergence area 📉 Oversold Territory - RSI/momentum indicators suggest potential bounce zone Liquidity Trap Alert - Big money often parks orders here ⚠️ Reality Check: Markets don't move in straight lines. Take profits along the way! Suggested approach: Scale out 30% at $63, another 40% at $61.50, and let the final 30% ride to $60. 🔗 Related Pairs to Watch (Correlation Play) Keep your eyes on these tickers — they often move in sympathy with PYPL: SET:SQ (Block Inc.) - Fellow fintech, similar payment space dynamics 🔄 $V (Visa) - Traditional payment processor, inverse correlation during fintech weakness 💳 NYSE:MA (Mastercard) - Same logic as Visa, watch for divergence 🏦 NASDAQ:COIN (Coinbase) - Crypto exposure correlation with digital payment sentiment 🪙 NASDAQ:SHOP (Shopify) - E-commerce correlation, PYPL's merchant base overlap 🛒 Key Correlation Note: When fintech stocks sell off, traditional payment processors often see inflows. Watch the $V and NYSE:MA strength as potential confirmation of PYPL weakness! 📈 Technical Highlights ✅ Weighted Moving Average breakdown confirmed ✅ Volume supporting the bearish move ✅ Lower highs and lower lows pattern forming ✅ Key support zones identified below ✅ Risk-reward ratio favors the short side ⚡ The "Thief Style" Philosophy This isn't about being greedy — it's about being strategic! 🎭 We identify the setup, execute with precision, and exit with profits before the crowd realizes what happened. That's the art of tactical trading! Remember: The market doesn't care about your opinion. Price action is king 👑 ✨ If you find value in my analysis, a 👍 and 🚀 boost is much appreciated — it helps me share more setups with the community! #PYPL #PayPal #DayTrading #BearishSetup #TechnicalAnalysis #MovingAverageBreakout #SwingTrading #StockMarket #TradingView #ThiefStyle #PriceAction #RiskManagement #Fintech #NASDAQ #ShortSetup #TradingStrategy #ChartAnalysis #MarketAnalysis #TradingIdeas #StockTrading
NASDAQ:PYPLShort
by The-Thief
3
PYPL USPayPal is a rare combination of value and growth. The company demonstrates strong fundamentals, is strategically focused on the future, and trades at record-low multiples. The combination of financial discipline, capital return, and AI innovation makes it an attractive asset for long-term investors. The most recent quarter confirmed the resilience of PayPal's business model. Revenue: $8.42 billion (+7% y-o-y). Adjusted earnings per share: $1.34, exceeding analyst expectations by $0.14. Total payment volume (TPV): $458 billion (+8% y-o-y), demonstrating the platform's scale and activity. Free cash flow (FCF): $2.3 billion for the quarter, and the FCF margin increased 7 percentage points to 27%. This demonstrates high efficiency and the ability to generate cash. Key Growth Drivers Paypal isn't dependent on a single product, but is developing several promising areas. Venmo: The main growth driver. Revenue accelerated to +14% year-on-year. The service is not only growing, but also becoming more profitable. Buy Now, Pay Later (BNPL): Growing by more than 20% annually, in line with changing consumer behavior. Upward Guidance: Management raised its adjusted EPS guidance for 2025 to $5.35-$5.39, implying growth of 15-16% year-on-year. Partnership with OpenAI This isn't just marketing, but a strategic bet on the future of commerce. Bottom Line: PayPal is becoming the default payment infrastructure within ChatGPT. Users can instantly transition from searching for a product through an AI-powered conversation to paying with PayPal without leaving the chat. Meaning: For PayPal: A new, massive sales channel—"AI commerce" (agentic commerce)—is opening. The company is becoming a "commerce bus" between millions of its merchants and AI users. For merchants: They automatically gain access to the ChatGPT storefront without the need for complex integration. For OpenAI: ChatGPT is evolving from an assistant into a full-fledged commerce platform. The company declared its first-ever dividend of $0.14 per share. There is also a $6 billion annual buyback program. Shares have declined by 6.25% over the past year. The "Dividend + Buyback" combination is a powerful signal that the company believes its shares are undervalued. Historically low valuation This is a key element of the investment thesis. The market completely ignores positive developments. Multiples: PayPal trades at only ~12x expected 2026 earnings. This is lower than many less profitable fintech competitors (SoFi, Block). The investor is paying a price that assumes a complete lack of future growth, while the company is showing double-digit profit growth, generating record cash flow, and building the business of the future. From a technical analysis perspective , we are in the accumulation zone. The price is near an uptrend line. The RSI also signals divergence🌎
NASDAQ:PYPLLong
by A3MInvestments
7
Buy the bottom of the PayPal uptrendNASDAQ:PYPL is known to be a high value stock with a depressing valuation. Investors are under optimistic due to the struggling performance the past several years after a dizzying rally during the pandemic. Recently the stock rallied on earnings due to a deal with Open-AI. Shares quickly gave the spike back and headed lower along with a broader tech pullback on AI bubble fears. NASDAQ:PYPL has now undercut a long term upward trend line. Judging by the past few times this has happened, it could be a fantastic setup. It looks like the downtrend was broken in late 2024 when the price bottomed on an RSI divergence. The shares seem to be coiling up for a big move, and have been for almost a year now.
NASDAQ:PYPLLong
by quickshiftinn
1
$PYPL - Paypal: A Value Investing ApproachIs Paypal a Value Trap or a Gift at these levels? We've begin to Dollar Cost average our way in. While we still expect more downside in the market at the moment, this is a long term play 1-2 year buy and hold. Remember, PayPal announced on October 28, 2025 that it will integrate with OpenAI’s “Instant Checkout” feature via the “Agentic Commerce Protocol” (ACP), so ChatGPT users will be able to complete purchases using their PayPal wallet directly within ChatGPT. This is a massive announcement if it plays out how they believe it will. DCF models from multiple analysts peg intrinsic value between $90–$100 per share, implying 30–50% upside if PayPal maintains moderate growth and margins. Relative valuation supports this, with a P/E around 12x, below the fintech industry average, suggesting the market may be overly discounting near-term challenges. The company continues to generate strong returns on equity (~24%) and free cash flow, indicating it still earns well above its cost of capital. While PayPal currently pays no dividend, its consistent share buybacks enhance shareholder yield. The market’s pessimism largely reflects competitive and regulatory fears, yet the business maintains a global brand, massive user base, and network effects that competitors struggle to replicate. For a long-term, fundamentals-driven investor, these factors point to a mispriced quality company trading at a steep discount. Assuming stable execution, PayPal offers a compelling risk/reward profile and could deliver 40–70% upside over the next 3–5 years, making it a buy for value investors seeking both capital appreciation and margin of safety. Disclaimer: I do not provide personal investment advice and I am not a qualified licensed investment advisor. I am an amateur investor. All information found here, including any ideas, opinions, views, predictions, forecasts, commentaries, suggestions, or stock picks, expressed or implied herein, are for informational, entertainment or educational purposes only and should not be construed as personal investment advice. While the information provided is believed to be accurate, it may include errors or inaccuracies. I will not and cannot be held liable for any actions you take as a result of anything you read here. Conduct your own due diligence, or consult a licensed financial advisor or broker before making any and all investment decisions. Any investments, trades, speculations, or decisions made on the basis of any information found on here, expressed or implied herein, are committed at your own risk, financial or otherwise. Feel free to give us a follow and shoot us a like for more analysis updates.
NASDAQ:PYPLLong
by MannyLo
Why $PYPL is the most undervalued play right nowMy DD on why NASDAQ:PYPL is the most overlooked opportunity in the market right now. 👇 The narrative on PayPal has been bearish for two years, but the data tells a completely different story. I overlaid Net Income (Green Line) against the Price Action to find the truth. 1️⃣ Why it crashed (The Context) Looking at 2022, the massive drawdown in share price made sense. Fundamental earnings took a massive hit. The market is efficient; when money stops flowing, the price drops. 2️⃣ The Recovery (The Reality) Fast forward to today. That "earnings problem" is gone. Earnings have not only normalized, but they are also on track to generate the highest annual net income in the company's history. The green line on my chart is making higher highs, signaling a full fundamental recovery. 3️⃣ The Disconnect Here is the alpha: The stock price hasn't realized the company is fixed. We are trading at 2018 price levels while generating record-breaking 2025 income levels. The Verdict: The 2022 fear is still pricing this stock, ignoring the 2025 reality. I'm betting the gap between that green line (income) and the candles (price) is going to close soon. NASDAQ:PYPL is back. 🐂
NASDAQ:PYPLLong
by SundayStockTalk
PayPal: Further Downside ExpectedPayPal initially extended its decline as anticipated, before a modest upward rebound began to emerge. Overall, bearish momentum should primarily persist, likely pushing price below the $50.18 support level and completing the broader correction of the beige wave II. However, there is also a 39% probability that beige wave alt.II has already concluded. In that scenario, the stock would currently be developing a magenta upward impulse and would be in the process of forming (or would have already formed) the low of wave alt. . Wave alt. would then bring further gains, potentially breaking through resistance at $94.97.
NASDAQ:PYPL
by HKCM_Global
PayPal Down 83% from All-Time High — A Major Reversal Setup?PayPal has corrected massively from its 2021 high ($310) to around $66, sitting exactly on a multi-year ascending trendline that has held since 2016. Bullish Case: • Holding above $60–65 keeps the structure intact. • Upside targets: $85 → $110 → $140. Bearish Case: • Losing $60 opens the door to $45 and possibly $35. Conclusion: PYPL is testing a “make or break” zone. Staying above this blue trendline could mark the start of a multi-quarter recovery.
NASDAQ:PYPLLong
by isahebdadi
PYPL Range: Bounce or Breakdown Toward 75/61PYPL on the 1D chart remains a textbook rectangle, coiling after months of sideways trade. Price is back at the lower boundary near $65.50 with short-term momentum tilted bearish and all key MAs overhead. The MA20/60/120 are tightly clustered around $68.57–$70.63, reinforcing a heavy supply band. Volatility has contracted after October’s spike, so a decisive move from this squeeze looks close. Primary path: neutral-to-range bias with a tactical bounce off the $65.50–$66.50 demand zone. A daily close back above the MA20 (≈$68.60) would be the first tell, while a daily close >$68.90 strengthens the case for a push into the $69.00–$70.50 cluster and a retest of $75.00. A sustained break and hold above $75.00 would transition the structure toward a fresh up-leg. Alternative: failure at support. A decisive daily close <$65.20 would confirm a range breakdown and open $61.00. For positioning, keep the line in the sand tight: long ideas are invalid below $64.70; short ideas lose edge above $79.50. Until a break, respect the range—fade extremes and be disciplined with size, as volume on any breakout should be the confirmation cue. This is a study, not financial advice. Manage risk and invalidations
NASDAQ:PYPL
by bbqgio
Sold Half PYPL. Raised Stops.Trading Fam, Recently, you may remember, my new indicator triggered a BUY alert on quite a few stocks. Paypal was one of them. I entered this trade at around $69 dollars with a moderate target of $79 for a 1:2 rrr. We've nearly reached that target today. So, I've sold half, taken profit, raised my stops, and I'll let the rest ride. You know where to track the remainder of my trades. Congrats to those who followed me. We've now won the last 13 of 13 trades for an avg. profit of 37%. As I continue to grow in experience with my indicator, we will only get better. ✌️Stew
NASDAQ:PYPLLong
by stewdamus