Value
8.4/10data confidence 100%| Component | Sub-score |
|---|---|
| P/E | 9.4 |
| P/S | 9.6 |
| EV/EBITDA | 8.1 |
| Fwd P/E | 9.6 |
| PEG | 8.3 |
| Analyst target | 6.0 |
- ▸Forward P/E: 7.6x
- ▸PEG: 0.79
- ▸Attractively valued
PYPL · Why this verdict
Why PayPal Holdings (PYPL) is rated HOLD
Updated
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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VerdictHOLD
Overall score5.5/10
ConfidenceMEDIUM
MacroNEUTRAL
Per-dimension breakdown
Quality
6.2/10data confidence 100%| Component | Sub-score |
|---|---|
| ROE | 8.4 |
| ROA | 3.2 |
| Gross margin | 4.2 |
| Op margin | 7.2 |
| Net margin | 7.5 |
| Current ratio | 4.8 |
| FCF quality | 6.0 |
| Moat | 6.9 |
| Piotroski F | 7.8 |
- ▸Excellent ROE: 25%
- ▸Strong Piotroski F-Score: 7/9
Growth
2.5/10data confidence 67%| Component | Sub-score |
|---|---|
| Rev growth | 4.3 |
| EPS growth | 0.8 |
Momentum
5.6/10data confidence 100%| Component | Sub-score |
|---|---|
| RSI | 3.5 |
| MACD | 8.9 |
| OBV | 10.0 |
| MA position | 1.0 |
| Volume | 4.7 |
- ▸Volume accumulation (rising OBV)
- ▸Below 200-MA, MA slope -6.7%/30d — confirmed downtrend
Sentiment
5.8/10data confidence 100%| Component | Sub-score |
|---|---|
| LLM sentiment | 4.9 |
| Analyst rating | 5.0 |
| Price target | 7.9 |
- ▸Analyst upside: 22%
Insider
5.0/10data confidence 50%| Component | Sub-score |
|---|---|
| materiality | 5.0 |
| holder change | 5.1 |
- ▸Negligible insider selling — $896,056 (0.002% of mkt cap)
Peer rank
5.0/10data confidence 80%| Component | Sub-score |
|---|---|
| value rank | 7.3 |
| quality rank | 4.6 |
| growth rank | 3.1 |
Technical
4.7/10data confidence 100%| Component | Sub-score |
|---|---|
| bollinger | 6.6 |
| support resistance | 6.7 |
| 52w position | 0.7 |
Risk (lower is worse)
5.4/10data confidence 100%| Component | Sub-score |
|---|---|
| short interest | 6.9 |
| days to cover | 7.6 |
| volatility | 4.4 |
| put call | 0.0 |
| implied vol | 5.6 |
| beta | 5.7 |
| debt equity | 7.5 |
- ▸Elevated put/call: 13.66
Catalyst
6.0/10data confidence 100%| Component | Sub-score |
|---|---|
| erm | 5.0 |
| earnings history | 6.7 |
| earnings timing | 5.0 |
| surprise avg | 5.0 |
| dividend safety | 6.0 |
| news activity | 8.0 |
- ▸Strong earnings: 3B/1M
- ▸Dividend: 128.0%
How the verdict was assembled
Engine trigger
Maintain position. Not compelling to add more.
Engine technical detail
verdict_path:
L4:PATH_F_HOLDPassed (6)
- MOMENTUM:5.6>=5.5
- ASYMMETRY:1.9>=1.5
- INSIDER:OK
- EARNINGS_PROXIMITY:40d clear
- SEMI_CYCLE_PEAK:CLEAR
- MATERIALS_CYCLE_PEAK:CLEAR
Failed (1)
- NEWS_SOFT:RESTRUCTURING
Warning (2)
- DEATH_CROSS:momentum=5.6>=5.0 recovering
- 8K_CSUITE_CHANGE:5.02 (officer departure/appointment)
Reward-to-Risk
1.95
Upside
+12.7%
Downside
6.5%
Sizing output
AVOID
SetupUNKNOWN — No clear chart pattern; technical signals are mixed
EdgeNO_EDGE — No clear edge identified
SuitabilityAGGRESSIVE — Beta 1.34>1.3
Investment implication
None of the engine's positive-conviction paths (C-quality, D-momentum) triggered — the F-path HOLD reflects balanced signals. Strongest-cleared gate: MOMENTUM:5.6>=5.5. Top dim: Value at 8.4; weakest: Growth at 2.5. No conviction either direction.
The strongest dimensions are Value at 8.4, Quality at 6.2, and Catalyst at 6.0; the weakest are Growth at 2.5, Technical at 4.7, and Peer rank at 5.0. The V9 engine flagged 1 failed gate with 2 warnings, producing an asymmetric reward-to-risk of 1.95 and an engine sizing output of AVOID.