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PayPal PYPL

PayPal scores good on business quality (6.8 of 10). Here is why, in plain words, and what our sealed record shows.

Last price$55.53Oct 10, 2026
Business qualityGood
Next earningsOct 27, 2026, after the close
Insiders, 90 daysQuiet

Why it matters

  1. What PayPal does

    PayPal operates a two-sided digital payments network, monetizing transactions by charging merchants and consumers fees for processing digital wallets and checkout services. The company is leaning into buy-now-pay-later holiday use cases to stimulate engagement across its ecosystem.

  2. What it does best

    PayPal dominates digital checkout convenience, backed by an active user base and $6.6B in free cash flow. Its massive merchant acceptance network creates a two-sided trap that rivals like AFRM struggle to match at scale.

  3. The main risk

    Revenue growth sits at just 4.3%, lagging behind agile fintech competitors and signaling stagnation in core transaction volume expansion.

Quality, check by check

Scored against its own industry, from company filings.

ProfitabilityStrong

Operating margin of 18.4% and FCF margin near 19% drive steady cash generation, though gross margins trail peers at 40.5%.

MoatStrong

A two-sided payments network locking in both merchants and consumers, backed by an ROE of 24.4% ranking in the sector's top quartile.

GrowthSlow

Revenue growth of 4.3% lags the broader financial services sector at the 26th percentile, showing a fading historical expansion pace.

Financial healthStrong

Debt-to-equity of 0.6 and interest coverage of 13.6x mean debt is manageable, backed by $6.6B in free cash flow: getting stronger.

Insiders

Executives and directors, from SEC Form 4 filings we read ourselves. Open market trades only; grants, option exercises and pre-planned sales left out.

No open market buys or unplanned sales by executives or directors.

Our sealed record on PYPL

Verdicts appear here 30 days after we publish them; members see today's. Each one is in the nightly ledger, fingerprinted the night it was made.

The first sealed verdicts appear here on Oct 11, 2026.

Questions

Is PYPL a good business?

PayPal scores good on the Cluenex quality check (6.8 of 10), measured against its own industry. Profitability is strong, moat strong, growth slow and financial health strong.

Are insiders buying PYPL?

In the last 90 days of SEC Form 4 filings: No open market buys or unplanned sales by executives or directors.

When does PYPL report earnings?

Oct 27, 2026, after the close.

For members

See PYPL today

  • Today's verdict on PYPL, and why
  • Fair value with cautious, base and optimistic cases
  • The exact price that would change the verdict
  • Which stocks each signal names, the night it fires
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Cite this page: Cluenex, “PayPal (PYPL)”, https://cluenex.com/stocks/pypl/, data as of Oct 10, 2026.