ROARABLE
FREE $100K
My Trading Account →
▾
Trading Profile Active
Active Trader
Verified Trader
⚡ My $100K Trading Account → ★ My Saved Watchlist →
🟢 My $100K Account → Today Screener Big Ideas Track Record 💰 $100K Arena 🎲 Predictions 🏛️ Insiders 8 Analysts
Stock Ratings / Industrials / PYPL
PAYX (83) WSE (53) NVRI (39) FORR (48) ⌘ Pro Terminal →

PayPal Holdings Inc. (PYPL) — RQD Stock Rating Cockpit

$58.78 +3.11% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $59.25

PayPal Holdings Inc. (PYPL) earns a Roarable Rating of B (Buy) with 74/100 RQD Confidence. High-quality cash engine (steady margins, 22% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B • BUY Cap $47.36B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on PYPL Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is PYPL stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, PayPal Holdings Inc. (NASDAQ: PYPL) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 74/100 at a spot price of $58.78 (+3.11% 1D, market cap $47.36B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 17/20, SEC Balance-Sheet Forensics 14/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 18/20. Across 486 tracked Industrials issuers, PYPL ranks #20 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does PYPL compare to PAYX and WSE in the Industrials sector?
▼

Within the Industrials sector (Diversified Commercial Services), PYPL carries a Roarable B (74/100 RQD), trailing P/E of 9.0x, gross margin of —, and ROIC of 21.6%. By comparison, PAYX (Paychex Inc.) holds a A- grade (83/100 RQD, P/E 22.1x, ROIC 28.6%, cap $39.91B) and WSE (Wise Group plc (Class A)) posts a D+ grade (53/100 RQD, P/E 27.1x, ROIC —, cap $13.12B). Among the 5-stock peer group, PYPL leads on earnings multiple (9.0x) while PAYX leads on capital efficiency (28.6% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for PYPL?
▼

Per PYPL's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001633917), PayPal Holdings Inc. generated $33.17B in revenue (+4.3% YoY), $5.23B in net income, and $5.56B in free cash flow against $80.17B in total assets and $9.99B in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $59.25 (+0.80%)🧬 Cannibal Buyback (-2.92% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 16.8% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 74/100 (B) historically ranked in the Top 12% of excess returns over the next 90 days (+7.3% avg 90D alpha vs SPY • 69.4% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERBUY • B
025507510074
2-of-3 Quant Analysts Bullish
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw B+ · Rk C+
Cash (12)Whales (17)SEC (14)Macro (13)CEO (18)
Each axis scored 0–20
12M PRICE TARGET CONE+7.2% Base Target
$74 Bull$63 Base$48 Bear
📬 FREE PYPL RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PYPL)Realized 20D OHLCV Swing Band: ±4.4%
Deterministic 5-Pillar Attribution (74/100 Composite)
🔍 WHY PYPL SCORES 74/100 (B) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+18/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 86% Net Buy • Cannibal Buyback (-2.92% YoY Shares)

▲ #2 Bullish Driver: Whale & Options Positioning+17/20 pts (23% of score)

20D Institutional Volume Accumulation (±4.4% realized swing band)

▼ #1 Drag / Risk Factor: Cash Engine Quality12/20 pts (-8 pt drag)

Capital intensity & 18.3% operating margin leave 8 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
66
Grade B-$56.10+2% Next Q
Q2 (-2Q)
69
Grade B-$57.20-1.1% Next Q
Q3 (-1Q)
71
Grade B$56.55+3.9% Next Q
Current
74
Grade B$58.78+7.3% Hist 90D α
Trajectory: B- (66) → B (74)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the PYPL Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 74/100 (B) score, PYPL faces multiple-compression risk if 9.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.92% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($55.07) or 200D SMA ($49.98) invalidates the momentum regime and cuts Target Base ($63.01) toward Bear Floor ($48.20).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $PYPL• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “PYPL Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 74%NO 26%Trade / Inspect Odds →
RSI-14 MOMENTUMBULLISH MOMENTUM
56.930 Oversold · 70 Hot
ALTMAN-Z SHIELDWATCH ZONE (1.8–3.0)
1.90>3.0 Fortress Safe
PIOTROSKI F-SCOREHIGH QUALITY (7–9)
9 / 99-Pt Accounting
52-WEEK LASER RANGE64% OF RANGE
L: $38$58.78H: $70
1. Money & Cash Health● MIXED
Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: C-RQD 12 / 20
2. Big Money & Insiders● BUYING
Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: ARQD 35 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: C+RQD 27 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

2-of-3 Quant Analysts Bullish on PYPL

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
NEUTRAL (60)

21.6% ROIC with 42.0% gross margin and 11.76% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
BULLISH (70)

Altman-Z 1.90 and Piotroski 9/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BULLISH (80)

35/40 institutional & smart-money positioning score with 13/20 macro alignment.

Bull Case: Why Buyers Like PYPL
  • ✓Big institutional funds and options desks are actively positioning on the bullish side.
  • ✓Company leadership has skin in the game with net positive insider conviction.
Bear Case: What Could Go Wrong
  • !Broader market pullbacks can still drag down strong stocks in the short run.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (PYPL Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
PYPL // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +16.65%▲ RESISTANCE BREAKOUT
2026-11-03O $56.95H $58.78L $56.95C $58.78VOL 15.36M
RES: $56.84SUP: $55.23SMA50: $55.07SMA200: $49.98
$64.31$57.77$51.24$44.71$38.17RES $56.84SUP $55.23$58.782026-05-042026-06-182026-08-052026-09-212026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

PYPL Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 PYPL Butterfly Map → + Track PYPL →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
-3.2%/yr Implied 5Y Growth

vs. +4.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on PYPL today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for PYPL. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for PYPL today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (PYPL)

Industrials Rank #20 of 486 ⚔️ PAYX vs PYPL Full Matrix →

1. Head-to-Head Industrials Peer Comparison (PYPL vs. PAYX, WSE, NVRI, FORR)

Industry: Diversified Commercial Services (32 Tracked Issuers)

Across 486 tracked Industrials securities in the Roarable RQD universe, PayPal Holdings Inc. (PYPL) ranks #20 by composite RQD confidence (74/100, grade B) and #34 by equity capitalization ($47.36B). Within this direct 5-issuer industry benchmark cohort, PYPL leads on earnings valuation at 9.0x trailing P/E, while PAYX leads on capital efficiency and profitability with 28.6% ROIC and 73.4% gross margin. PAYX currently holds the highest overall quantitative score in the immediate peer group at 83/100 (A-) compared with PYPL at 74/100 (B).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
PYPL ACTIVE
PayPal Holdings Inc.
B 74/100 9.0x — 21.6% +3.11% $47.36B Benchmark Subject
PAYX
Paychex Inc.
A- 83/100 22.1x 73.4% 28.6% +3.01% $39.91B /payx-vs-pypl →
WSE
Wise Group plc (Class A)
D+ 53/100 27.1x — — +1.87% $13.12B /wse-vs-pypl →
NVRI
Enviri Corporation
D- 39/100 — — — -2.39% $519.3M /nvri-vs-pypl →
FORR
Forrester Research Inc.
D 48/100 — 57.0% -35.0% -10.54% $209.6M /forr-vs-pypl →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001633917 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), PayPal Holdings Inc. (PYPL) reported GAAP revenue of $33.17B (+4.3% vs. FY2024 revenue of $31.80B , and +11.4% cumulative change since FY2023) , GAAP net income of $5.23B, operating cash flow of $6.42B, and free cash flow of $5.56B (-17.8% YoY). On the balance sheet, PYPL closed FY2025 with $80.17B in total assets against $9.99B in total debt (Altman Z-Score: 1.90, Piotroski F-Score: 9/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $33.17B $5.23B $6.42B $5.56B $80.17B $9.99B
FY2024 (FY) 2024-12-31 $31.80B $4.15B $7.45B $6.77B $78.72B $9.88B
FY2023 (FY) 2023-12-31 $29.77B $4.25B $4.84B $3.50B $35.73B $8.36B

3. PYPL Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is PYPL stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, PayPal Holdings Inc. (NASDAQ: PYPL) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 74/100 at a spot price of $58.78 (+3.11% 1D, market cap $47.36B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 17/20, SEC Balance-Sheet Forensics 14/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 18/20. Across 486 tracked Industrials issuers, PYPL ranks #20 in composite RQD confidence.

How does PYPL compare to PAYX and WSE in the Industrials sector?

Within the Industrials sector (Diversified Commercial Services), PYPL carries a Roarable B (74/100 RQD), trailing P/E of 9.0x, gross margin of —, and ROIC of 21.6%. By comparison, PAYX (Paychex Inc.) holds a A- grade (83/100 RQD, P/E 22.1x, ROIC 28.6%, cap $39.91B) and WSE (Wise Group plc (Class A)) posts a D+ grade (53/100 RQD, P/E 27.1x, ROIC —, cap $13.12B). Among the 5-stock peer group, PYPL leads on earnings multiple (9.0x) while PAYX leads on capital efficiency (28.6% ROIC).

What are the biggest fundamental strengths and SEC risk factors for PYPL?

Per PYPL's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001633917), PayPal Holdings Inc. generated $33.17B in revenue (+4.3% YoY), $5.23B in net income, and $5.56B in free cash flow against $80.17B in total assets and $9.99B in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is PYPL trading relative to its 50-day, 200-day, and 52-week technical levels?

PYPL last traded at $58.78 (+3.11% on volume of 14,896,936 shares), positioning the stock +6.74% above its 50-day simple moving average ($55.07) and +17.61% above its 200-day simple moving average ($49.98). Across its 52-week range of $38.46 to $70.35, PYPL sits at the 63.7% percentile with a 14-day RSI of 56.9 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.4% ($56.19 to $61.37).

Direct Sub-Reports: PYPL RQD Cockpit PYPL 12M Forecast PYPL Earnings & Move PYPL Dividends & DRIP PYPL Insiders & 13F PYPL Whale Options PYPL Profit Sankey PYPL News & Why
ROARABLE RATING BRIEF • RQD 74/100 (B) ✓ SEC XBRL & RQD VERIFIED

PYPL — PayPal Holdings Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

PayPal Holdings Inc. (PYPL) earns a live Roarable RQD composite score of 74/100, corresponding to a B letter grade (Roarable Buy) at a spot price of $58.78 (+3.11% 1D, market capitalization $47.36B).

  • Fundamental Cash Engine (12/20): Anchored by return on invested capital (ROIC) of 21.6%, gross margin of —, operating margin of 18.3%, and free cash flow yield of 11.76%.
  • Whale 13F & Options Flow (17/20) + Insider Conviction (18/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (13/20) + Forensic Balance Sheet (14/20): Incorporates a 0.93x equity beta, Altman Z-Score of 1.90, Piotroski F-Score of 9/9, and Debt/Equity of 0.49x.

2. Business Model, Unit Margins & SEC Financial Trajectory

PayPal Holdings Inc. Is listed on NASDAQ and classified in the Industrials sector, Diversified Commercial Services industry. The profile describes it as operating in that industry with a market capitalization of $47.3B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), PayPal Holdings Inc. (PYPL) reported $33.17B in annual revenue (up from $31.80B in FY2024, +4.3% YoY) and $5.23B in GAAP net income. Over the multi-year SEC filing window from FY2023 ($29.77B revenue, $4.25B net income) through FY2025, PYPL scaled operating cash flow to $6.42B and free cash flow to $5.56B, backed by $80.17B in total assets against $9.99B in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (B • RQD 74/100): Big institutional funds and options desks are actively positioning on the bullish side. Company leadership has skin in the game with net positive insider conviction. With Fundamental Cash Engine at 12/20 and Institutional Whale Flow at 17/20, sustained execution supports upside toward the upper end of the $38.46 – $70.35 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 9.0x trailing P/E and 7.3x EV/EBITDA against 18.3% operating margins and a 0.93x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Supply chain: NONE; butterfly links: none; proprietary signals: none. The source data therefore contains no upstream or downstream dependency mapping, sector correlation data, or 2nd-order bottleneck analysis. Investors should watch the reported takeover-related news flow and the merchant volume miss noted in the news wire, but how these ripple through the sector cannot be determined from the provided data.

  • Key Question #1: Can PYPL sustain or expand its 18.3% operating margin and 21.6% ROIC against Diversified Commercial Services peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $33.17B and free cash flow of $5.56B, how will capital allocation balance growth reinvestment against $9.99B in total debt?
  • Key Question #3: How sensitive is PYPL's 8.4x forward P/E multiple to Industrials capital spending cycles and macro interest-rate shifts (Beta 0.93x)?

PYPL Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for PayPal Holdings Inc. (PYPL) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to PYPL Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

PYPL Bull vs. Bear Conversation Board — What's Your Call at $58.78?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON PYPL 🐻 33% BEARISH CONVICTION
1. Pick Your Side on PYPL:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
BR BreakoutHunter RQD DEBATE OPENER • Swing & Catalyst Trader 🐂 BULLISH 🎯 Target: $72.97 (+28.0%)
📌 Pinned Debate

Low forward P/E of 8.4 combined with a 21.6% ROIC and 11.76% FCF yield points to cash generation the market appears to be pricing conse

Picked up a starter position in PYPL in my $100K Virtual Cash book at $57.01. Low forward P/E of 8.4 combined with a 21.6% ROIC and 11.76% FCF yield points to cash generation the market appears to be pricing conservatively.. Trading inside a $38.46–$68.21 52-week range with 11.76% FCF yield gives solid downside support if Diversified Commercial Services multiples expand this quarter.

ArenaChamp_24 🐂 BULL

@RedlineAuditor Fair point on 9.0x trailing P/E, but you're ignoring the forward operating leverage in Diversified Commercial Services. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

RE RedlineAuditor RQD DEBATE OPENER • Accounting Quality Watch 🐻 BEARISH 🎯 Target: $49.03 (-14.0%)
Spot @ $57.01

A reported merchant volume and revenue miss, plus the abandonment of a reported takeover bid, flagged as RED risk items, challenge the

Careful chasing PYPL at $57.01. A reported merchant volume and revenue miss, plus the abandonment of a reported takeover bid, flagged as RED risk items, challenge the earnings durability behind the low multiples.. Gross margin is 0.0%, but operating margin is 18.3%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $49.03 on multiple compression.

LIVE TAPE