PYPL

PayPal Holdings, Inc.

Quarterly revenue, EPS, free cash flow, valuation, and Rule of 40 scores for PayPal Holdings, Inc..

R40: 29$44.07B
$45.53-1.49 (-3.17%)● Live
Current Narrative

PayPal is in turmoil. Shares plunged 20% after Q4 2025 missed estimates ($8.68B revenue, $1.23 EPS) and 2026 guidance disappointed. CEO Alex Chriss is out; Enrique Lores (former HP CEO) takes over March 1, 2026. But bulls see opportunity: trading at ~7x forward FCF with $6B+ in buybacks planned. Venmo remains strong (20% revenue growth). Cymbio acquisition positions PayPal for AI/agentic commerce. The question: can new leadership reignite growth against Apple Pay and BNPL competitors?

News

Latest Coverage

NewsFeb 18

PayPal Fired Its CEO, Missed Earnings, and a Senator Bought the Dip

PayPal stock is down 31% in 2026 after a brutal Q4 miss, a CEO firing, and weak guidance. A senator's suspiciously timed buy adds intrigue to the wreckage.

R40
In-DepthFeb 7

PayPal Is Down 23.3% After CEO Transition And Softer 2026 Outlook

Analyzes sharp stock decline post-Q4 miss and CEO change; highlights Q4 net income $1.44B (up 28%), but weak guidance; discusses valuation compression and turnaround potential.

In-DepthFeb 6

PayPal: Double-Digit Buybacks Turn The Recent Crash Into An Opportunity

Bullish take: deep undervaluation (~7x forward FCF), aggressive share repurchases; incoming CEO Lores (proven at HP) could drive innovation; contrasts headwinds with long-term payments moat.

NewsFeb 5

PayPal: Double-Digit Buybacks Turn The Recent Crash Into An Opportunity

Post-crash analysis highlights ~15%+ buyback yield, ~7x P/FCF valuation, $6B+ expected buybacks in 2025-2026; views new CEO and cash flows as potential catalysts.

NewsFeb 3

PayPal Shares Plunge Nearly 20% on CEO Exit, Disappointing 2026 Profit Forecast

Stock dropped ~19-20% post-earnings; 2026 adjusted profit guidance flat to low-single-digit decline; holiday quarter revenue/profit miss amid branded checkout pressures.

NewsFeb 3

PayPal Appoints Enrique Lores as Chief Executive Officer

Board replaces CEO Alex Chriss with Enrique Lores (former HP CEO) effective March 1, 2026; CFO Jamie Miller interim CEO; cites need for faster execution.

See all news →
Rule of 402025 Q4
28.9
✗ Below 40
Revenue Growth YoY+3.7%
+
FCF Margin+25.2%
History
14
Q1
14
Q2
28
Q3
29
Q4
2025 R40 +21
ANALYST RATINGS
Underperform$61
PYPL
Sell$39
Reiterated
2026-02-10
Neutral$51
Upgrade
2026-02-04
Hold$47
Downgrade
2026-02-04
Hold$42
Downgrade
2026-02-04
Sell$50
Downgrade
2026-01-28
See all 16 ratings →
Revenue
2025Q4$8.7B
*Qtr, USD
EPS
2025Q4$1.54
*Qtr, USD per share
P/E Ratio
2025Q410.44
*Qtr, x
Free cash flow
2025Q4$2.2B
*Qtr, USD
Shares
Loading...
Cumulative FCF
2025Q4$12.3B
*Running total, USD
Company timeline

Earnings release dates

QuarterEnd datePublication dateSource
2025 Q42025-12-312026-02-03Link
2025 Q32025-09-302025-10-28Link
2025 Q22025-06-302025-07-29Link
2025 Q12025-03-312025-04-29Link
2024 Q42024-12-312025-02-04Link
2024 Q32024-09-302024-10-29Link
2024 Q22024-06-302024-07-30Link
2024 Q12024-03-312024-04-30Link
Background

Company History

ExchangeNASDAQ
IPO DateJul 20, 2015
Shares Outstanding968.00Mi
1998
Founding as Confinity
Max Levchin, Peter Thiel, and Luke Nosek launch Confinity in Palo Alto; focuses on secure digital payments via email.
2000
Merger of Confinity and X.com
Confinity merges with Elon Musk's X.com (online bank); combined entity renamed PayPal; adopts eBay as key growth platform.
2002
IPO and eBay Acquisition
PayPal goes public on NASDAQ; later acquired by eBay for $1.5B in stock; drives massive scale on eBay marketplace.
2013
Venmo and Braintree Acquisitions
Acquires Venmo (P2P social payments) and Braintree (merchant gateway); builds ecosystem for mobile and small business.
2015
Spin-off from eBay
PayPal becomes independent public company (NASDAQ: PYPL); launches new era of diversification beyond eBay.
2023
Launch of PayPal USD (PYUSD) Stablecoin
Introduces U.S. dollar-backed stablecoin on blockchain; positions PayPal in digital assets and programmable money.
2025
Q4 2025 Miss and Leadership Concerns
Revenue $33.2B for year but Q4 misses; branded checkout pressures; questions about execution under CEO Chriss.
2026
CEO Transition and Agentic Commerce Push
Enrique Lores replaces Chriss as CEO (March 2026); acquires Cymbio for AI/agentic commerce; aggressive buybacks amid 20% stock crash.
Leadership

Key Players

Enrique Lores
CEO (incoming)
Will become CEO March 2026. Former HP CEO. Appointed after Alex Chriss departure.
Jamie Miller
CFO & COO / Interim CEO
Serving as Interim CEO until March 2026. CFO since 2023. Former EY global CFO.
Alex Chriss
Former CEO
CEO from Sept 2023 to Feb 2026. Previously Intuit executive. Departed amid turnaround efforts.
Short Interest

Short interest data unavailable for PYPL.

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