PayPal Holdings, Inc.
PYPL · Financial Services · · USDFahodi Score HOLD Long-term (Investment)
61
/ 100
Technical
100
Trend & RS
87
Momentum
69
Fundamental
63
Macro
24
Liquidity
51
| Component | Score | Weight |
|---|---|---|
| Technical | 100.0 | 10% |
| Trend & RS | 86.8 | 10% |
| Momentum | 69.3 | 5% |
| Fundamental | 62.6 | 40% |
| Macro | 23.8 | 15% |
| Liquidity | 51.4 | 20% |
Trade Setup
| Entry | 58.69 |
| Stop Loss | 55.59 (5.3%) |
| Target 1 (1:1) | 61.79 (+5.3%) |
| Target 2 (2:1) | 64.89 (+10.6%) |
| ATR(14) | 1.55 (2.6%) |
| Risk per Share | 3.10 |
| Reward:Risk | 2:1 |
ATR-based levels. Adjust for support/resistance zones.
Factor Profile
| Factor | Score | Z | Bar |
|---|---|---|---|
| Value | 81.0 | +1.24 | |
| Momentum | 69.3 | +0.77 | |
| Quality | 45.7 | -0.17 | |
| Composite | 65.3 | ||
Quality Scores
Piotroski F-Score
5
/9 —
Average
✓
✓
✗
✗
✓
✗
✓
✓
✗
1. Positive Net Income
2. Positive Roa
3. Positive Cfo
4. Quality Earnings
5. Lower Leverage
6. Higher Liquidity
7. No Dilution
8. Higher Gross Margin
9. Higher Asset Turnover
Altman Z-Score
3.48
—
Safe Zone
Distress <1.81Grey 1.81–2.99>2.99 Safe
Valuation vs Peers Undervalued
| Metric | Stock | Sector | vs Peers |
|---|---|---|---|
| P/E Ratio | 11.2 | 18.0 | -38% below |
| P/B Ratio | 2.5 | 2.5 | Inline |
| Dividend Yield | 95.0% | 2.0% | Above avg |
Comparing against Financial Services median multiples.
Trading at a discount to sector peers — potential value opportunity.
Intrinsic Value (DCF) Fairly Valued
Intrinsic Value
64.69
vs
Market Price
58.96
Upside
+9.7%
| Margin of Safety | +8.9% |
| Stage 1 PV (5yr FCF) | 14,330,001,433 |
| Terminal Value PV | 39,402,389,490 |
| Total Enterprise Value | 53,732,390,923 |
Assumptions
| Base FCF | 3,482,119,585 |
| Growth Rate (5yr) | 2.0% |
| Terminal Growth | 2.5% |
| Discount Rate (WACC) | 9.0% |
2-stage DCF: 5yr projected FCF + Gordon Growth terminal value. Estimates only — adjust growth and WACC for your own assumptions.
Position Sizing — Kelly Criterion
4.6%
Recommended Size
40.1%
Full Kelly
20.05%
Half Kelly
5.0%
Max Cap (Moderate)
Kelly inputs derived from quant score 61/100. Estimated win rate 58%, avg win 8.7%, avg loss 3.8%. Position was capped at the moderate risk maximum. This is analytical output, not a recommendation to trade.
RECOVERY
Regime: RECOVERY (40% confidence) — position size reduced 8%
Signal Summary STRONG BUY
4
Bullish Signals
0
Bearish Signals
59.15
RSI(14)
0.9907
MACD
Relative Strength (RS) NEUTRAL
91
/ 99
RS Rating
✓ O'Neil PASS (≥80)
| RS vs SPY | → FLAT (+4.6% vs SPY 3M) |
| RS vs Sector | UNDERPERFORMING (Financial Services) |
| RS New High | Near 3-month high 52d since high |
| Sector Outperformance | -5.2% (3M) |
RS Line — stock / SPY (90 bars)
← older
newer →
RS vs SPY
50-day SMA of RS
NEUTRAL:
In line with the market — no strong outperformance or underperformance.
Technical Indicators
| Indicator | Value | Signal |
|---|---|---|
| Rsi | 59.15 | NEUTRAL |
| Macd | 0.9907 | BULLISH |
| Ma Cross | 55.07 / 49.86 | GOLDEN CROSS |
| Trend Short | ABOVE SMA50 | |
| Trend Long | ABOVE SMA200 | |
| Bollinger | MIDDLE | |
| Volume | 0.1x | LOW |
Key Levels
| Level | Price |
|---|---|
| 52-Week High | 67.99 |
| Bollinger Upper | 59.67 |
| SMA(200) | 49.86 |
| SMA(50) | 55.07 |
| SMA(20) | 57.2 |
| Current Price | 58.96 |
| Bollinger Lower | 54.73 |
| 52-Week Low | 38.46 |
| ATR(14) | 1.55 |
Advanced Technical Analysis
Click to expand
Wyckoff Phase & Volume Spread Analysis
Wyckoff Phase
ACCUMULATION E
Confidence
50%
Acc: 1.0 |
Dist: 1.0 |
Markup: 0.0 |
Markdown: 0.0
Volume Spread Analysis (last 5 bars)
| Date | Signal | Vol | Description |
|---|---|---|---|
| 2026-11-02 | Normal | 1.32x | Normal bar — no special VSA pattern |
| 2026-11-03 | No Demand | 0.59x | Low volume, narrow spread, weak close — no buying interest |
| 2026-11-04 | Normal | 1.25x | Normal bar — no special VSA pattern |
| 2026-11-05 | Normal | 1.0x | Normal bar — no special VSA pattern |
| 2026-11-06 | Normal | 0.1x | Normal bar — no special VSA pattern |
Ichimoku Cloud BULLISH
| Line | Value | Status |
|---|---|---|
| Tenkan-sen (9) | 57.61 | Above Kijun |
| Kijun-sen (26) | 56.65 | Base line |
| Senkou A | 57.13 | Leading span A |
| Senkou B | 56.48 | Leading span B |
| Cloud | 56.48 – 57.13 | Bullish (Green) |
| Price vs Cloud | 58.69 | Above Cloud |
| Chikou Span | 52.80 | Bullish |
| Alignment Score | 4/4 | BULLISH |
TTM Squeeze & Divergences
TTM Squeeze
SQUEEZE OFF
No squeeze
Momentum:
BULLISH FADING
BB: 54.73 – 59.67 | KC: 55.03 – 59.37
Divergences (last 60 bars)
No significant divergences detected in the last 60 bars.
Anchored VWAP
VWAP: 48.93
Anchor: 2026-02-12 (52w Low)
ABOVE AVWAP
+19.9%
Heikin-Ashi Trend
WEAKLY BEARISH
Full data via /api/advanced/PYPL
Valuation
| Metric | Value |
|---|---|
| Market Cap | 48.98B |
| P/E (TTM) | 11.25 |
| Forward P/E | N/A |
| P/B | 2.53 |
| EPS | 5.24 |
Financial Health
| Metric | Value |
|---|---|
| Revenue Growth | 2.0% |
| Profit Margin | 13.8% |
| ROE | 23.8% |
| Debt/Equity | 73.15 |
| Current Ratio | 1.26 |
| Dividend Yield | 95.0% |
| Payout Ratio | N/A |
| Beta | 1.32 |
Trading Data
58.96
Open
58.96
Day High
58.96
Day Low
11.18M
Volume (0.9x avg)
Price Chart (90 Days)
Candlesticks (green=up, red=down)
SMA 20
SMA 50
Bollinger Bands (upper/lower)
Volume (green=buying, red=selling)