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Upturn AI SWOT - About
PYPL 
PayPal Holdings Inc (PYPL)
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Upturn Advisory Summary
04/01/2025: PYPL (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -6.93% | Avg. Invested days 48 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 64.55B USD | Price to earnings Ratio 16.35 | 1Y Target Price 93.6 |
Price to earnings Ratio 16.35 | 1Y Target Price 93.6 | ||
Volume (30-day avg) 11880744 | Beta 1.53 | 52 Weeks Range 56.97 - 93.66 | Updated Date 04/1/2025 |
52 Weeks Range 56.97 - 93.66 | Updated Date 04/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 3.99 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 13.04% | Operating Margin (TTM) 17.38% |
Management Effectiveness
Return on Assets (TTM) 4.3% | Return on Equity (TTM) 20% |
Valuation
Trailing PE 16.35 | Forward PE 13.05 | Enterprise Value 63605069993 | Price to Sales(TTM) 2.03 |
Enterprise Value 63605069993 | Price to Sales(TTM) 2.03 | ||
Enterprise Value to Revenue 2 | Enterprise Value to EBITDA 9.43 | Shares Outstanding 989241984 | Shares Floating 986383541 |
Shares Outstanding 989241984 | Shares Floating 986383541 | ||
Percent Insiders 0.23 | Percent Institutions 78.17 |
Analyst Ratings
Rating 3.96 | Target Price 94.42 | Buy 8 | Strong Buy 18 |
Buy 8 | Strong Buy 18 | ||
Hold 20 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
PayPal Holdings Inc
Company Overview
History and Background
PayPal was founded in December 1998 as Confinity, initially focused on security software for handheld devices. In 2000, Confinity merged with X.com, an online banking company founded by Elon Musk. Musk shifted focus to PayPal and its money-transfer service. In 2002, eBay acquired PayPal. PayPal spun off from eBay in 2015, becoming an independent publicly traded company.
Core Business Areas
- Payment Solutions: Enables consumers and merchants to make and receive payments online. This includes digital wallets, payment processing, and related services.
- Braintree: A platform that provides businesses with the tools to accept, split, and enable payments in their apps and websites.
- Venmo: A mobile payment service designed for peer-to-peer money transfers.
- Xoom: An international money transfer service.
- Credit and Loans: Offers credit products and loans to consumers and businesses.
Leadership and Structure
Alex Chriss is the President and CEO. The company has a hierarchical structure with various departments and teams reporting to executive leadership. The board of directors provides oversight and strategic guidance.
Top Products and Market Share
Key Offerings
- PayPal: A digital wallet and payment platform used for online and in-person transactions. PayPal has hundreds of millions of active users globally. Competitors include Apple Pay, Google Pay, and other digital wallet services. Revenue is generated through transaction fees charged to merchants.
- Venmo: A mobile payment app for peer-to-peer transactions. Venmo is popular among younger users. Competitors include Cash App and Zelle. Revenue is generated through transaction fees and other services.
- Braintree: A payment gateway solution for businesses to accept online and mobile payments. Competitors include Stripe and Adyen. Revenue is generated through transaction fees.
- Xoom: International money transfer service. Competitors include Wise and Remitly. Revenue is generated through transaction fees.
Market Dynamics
Industry Overview
The digital payments industry is experiencing significant growth driven by increasing e-commerce, mobile payments, and globalization. The industry is highly competitive and subject to regulatory scrutiny.
Positioning
PayPal is a leading player in the digital payments industry with a strong brand recognition and a large user base. It competes with other payment processors, digital wallets, and fintech companies.
Total Addressable Market (TAM)
The global digital payments market is projected to reach trillions of dollars. PayPal is well-positioned to capture a significant portion of this market, with its established brand and extensive network.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Large user base
- Extensive merchant network
- Established technology platform
- Diverse product offerings
Weaknesses
- High transaction fees compared to some competitors
- Dependence on eBay (historically)
- Competition from new entrants
- Customer service challenges
- Security concerns
Opportunities
- Expansion into new markets
- Partnerships with other companies
- Development of new products and services
- Growth of e-commerce
- Increasing adoption of mobile payments
Threats
- Intense competition
- Regulatory changes
- Cybersecurity threats
- Economic downturns
- Disruption from new technologies
Competitors and Market Share
Key Competitors
- SQ
- PYPL
- ADEN.AS
- GPN
- FISV
Competitive Landscape
PayPal has a large user base and a strong brand, but faces increasing competition from other payment processors and fintech companies. Competitors are innovating with new technologies and offering lower fees.
Major Acquisitions
Happy Returns
- Year: 2021
- Acquisition Price (USD millions):
- Strategic Rationale: To enhance its return logistics capabilities for merchants.
Honey Science Corp.
- Year: 2020
- Acquisition Price (USD millions): 4000
- Strategic Rationale: To add price comparison and coupon finding capabilities to its platform.
Growth Trajectory and Initiatives
Historical Growth: PayPal has experienced significant growth in its user base and transaction volume over the past years.
Future Projections: Analyst estimates vary, but generally project continued growth for PayPal in the coming years. However, growth rates may slow down as the market becomes more saturated.
Recent Initiatives: Recent initiatives include expanding into new markets, developing new products and services, and investing in technology.
Summary
PayPal is a significant player in the digital payment space, benefitting from a large user base and brand recognition. Competition and security threats are a concern, but new initiatives and market expansion provide growth opportunities. Its historical success and current strategic direction suggest moderate-to-strong potential, pending successful navigation of market challenges. The company benefits from its established network but must adapt to evolving consumer preferences and technologies.
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GPN
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Visa Inc. Class A
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Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Industry Reports
- Market Analysis
- Earnings call transcripts
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data can be change at any time.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About PayPal Holdings Inc
Exchange NASDAQ | Headquaters San Jose, CA, United States | ||
IPO Launch date 2002-02-01 | President, CEO & Director Mr. James Alexander Chriss | ||
Sector Financial Services | Industry Credit Services | Full time employees 24400 | Website https://www.paypal.com |
Full time employees 24400 | Website https://www.paypal.com | ||
PayPal Holdings, Inc. operates a technology platform that enables digital payments for merchants and consumers worldwide. It operates a two-sided network at scale that connects merchants and consumers that enables its customers to connect, transact, and send and receive payments through online and in person, as well as transfer and withdraw funds using various funding sources, such as bank accounts, PayPal or Venmo account balance, consumer credit products, credit and debit cards, and cryptocurrencies, as well as other stored value products, including gift cards and eligible rewards. The company provides payment solutions under the PayPal, PayPal Credit, Braintree, Venmo, Xoom, Zettle, Hyperwallet, Honey, and Paidy names. The company was founded in 1998 and is headquartered in San Jose, California.
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