PayPal Holdings, Inc. (PYPL)
Financial Services · Financial - Credit Services · Data as of 2026-10-22
Bottom line
PYPL is trading at a discount to its history, near its historical support zone, and recent volume suggests money flowing in. Historically, this combination has been a favourable starting point for further research. Past patterns are not a guarantee of future results.
Valuation — Trading below its usual book-value multiple (Green)
For financial companies we look at price versus book value. PYPL trades at 2.6× book value, against its own typical 4.2× while earning a 24% return on equity. Its current multiple sits around the 14th percentile of its own last five years — toward the low end of its own range. Its fundamentals scored 8 of 9 on a standard year-over-year quality checklist — most of the underlying trends improved last fiscal year.
Price zones — Near its historical support zone (Green)
At $57.54, the stock is close to the lower end of its recent range. Over the past year PYPL has traded between $38.46 and $79.22; its historical support zone sits near $55.92 and resistance near $79.22. It is above both its 50- and 200-day averages, which has historically signalled an uptrend.
52-week range $38.46–$79.22 · 50-day average $55.92 · 200-day average $50.01
Money flow — Money is flowing in (Green)
Recent trading in PYPL shows more volume on rising days than falling days, a pattern often described as accumulation. Volume on up days has been about 1.5× volume on down days over the last 30 sessions.
Dividends & company facts
PYPL paid $0.56 a share in dividends over the past year — 0.97% of today's price — unchanged since November 2025. It returned more through buybacks: $5.9 billion in fiscal 2025, about 12.3% of its market value.
- Dividend yield (12 months)
- 0.97%
- Paid over 12 months
- $0.56 a share
- Payout ratio
- 7.8%
- Buybacks
- 12.28% (fiscal 2025)
- Shares, past year
- -7.8%
- Revenue, 12 months
- $34.1B
- Profit, 12 months
- $4.9B
- Employees
- 23,800
- CEO
- Enrique J. Lores
- Headquarters
- San Jose, CA
- Listed since
- 2015 · NASDAQ
About the company
PayPal Holdings, Inc. provides a worldwide technological framework that facilitates digital financial transactions for both businesses and individual users. The company offers a wide array of payment services through well-known brands such as PayPal, PayPal Credit, Braintree, Venmo, Xoom, Zettle, Hyperwallet, Honey, and Paidy.
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一句话结论
PYPL 相对自身历史处于折价水平，接近其历史支撑区，近期成交量显示资金正在流入。从历史来看，这样的组合是一个值得进一步研究的有利起点。过去的形态并不能保证未来的结果。
估值 — 低于其惯常的市净率水平
对金融公司，我们看的是价格与账面价值的关系。PYPL 的市净率为 2.6×，而它自身惯常的水平是 4.2×，同时取得 24% 的净资产收益率。它当前的估值倍数大约位于自身过去五年分布的第 14 百分位——处于自身区间的偏低位置。在一套标准的逐年基本面核对清单上，它 9 项中通过了 8 项——上一财年多数底层趋势在改善。
价格区间 — 接近其历史支撑区
目前价格为 $57.54，接近其近期区间的下沿。过去一年 PYPL 的价格在 $38.46 到 $79.22 之间波动；其历史支撑区在 $55.92 附近，阻力区在 $79.22 附近。它同时位于 50 日和 200 日均线上方，这在历史上通常对应上升趋势。
资金流向 — 资金正在流入
PYPL 近期上涨日的成交量高于下跌日，这种形态常被称为吸筹。过去 30 个交易日，上涨日的成交量约为下跌日的 1.5×。
股息与公司概况
PYPL 过去一年每股派息 0.56 美元，相当于当前股价的 0.97%，自 2025年11月以来没有变化。它通过回购返还了更多：2025 财年回购 59.4亿美元，约占市值的 12.3%。
UnderTheLight 用直白的语言解释股票——估值、价格区间与资金流向。它只描述数据，不构成任何投资建议。
UnderTheLight explains stocks in plain English — valuation, price zones and money flow as traffic lights, recomputed nightly. It describes data; it is not investment advice and never recommends a trade.