PayPal provides digital payment acceptance, consumer wallets, and money-movement services. Its businesses include branded PayPal checkout, Venmo, Braintree merchant processing, and services supporting online and in-person commerce. Revenue is largely generated from payment transactions and related value-added services, with economics influenced by transaction mix, processing costs, and merchant and consumer adoption.
PayPal Holdings Inc. (PYPL) has a MarketKingdoms composite score of 65.3 (B), an B-range rating. It ranks 786th of 1,866 covered companies, 115th of 176 in Technology (sector average 67.1) and 10th of 29 in Credit Services. Scores as of 2026-10-26.
Its strongest lenses are Industry opportunity at 92 (Technology average 88) and Price (valuation) at 87 (Technology average 50). Its weakest lenses are Expansion (growth) at 18 (sector average 51) and Trend (momentum) at 42 (sector average 50).
| Lens | Type | PYPL | Technology average | Credit Services average | Percentile in sector |
|---|---|---|---|---|---|
| Industry opportunity | Research signal | 92 | 88 | 72 | 94th |
| Stock selection | Research signal | 82 | 82 | 74 | 45th |
| KPI momentum | Research signal | 86 | 84 | 70 | 54th |
| Catalyst watch | Research signal | 76 | 76 | 68 | 40th |
| Price (valuation) | Fundamental lens | 87 | 50 | 64 | 99th |
| Expansion (growth) | Fundamental lens | 18 | 51 | 50 | 9th |
| Quality (profitability) | Fundamental lens | 55 | 50 | 58 | 61st |
| Trend (momentum) | Fundamental lens | 42 | 50 | 36 | 34th |
The most recent call analysed was held on 2026-07-28 (fiscal 2026 Q2). MarketKingdoms checks what management promised on each call against what it later delivered.
The stock's valuation gap is -0.8%: its price is in line with the path its market, sector and industry moves explain. Factor sensitivity: market beta 0.93, sector beta -0.02, industry beta 0.69; the factor model explains 20% of its moves (R²).
| Company | Composite | Grade | Valuation gap |
|---|---|---|---|
| ENCORE CAPITAL GROUP INC (ECPG) | 76.7 | A- | -0.8% |
| Atlanticus Holdings Corp (ATLC) | 74.5 | B+ | -16.6% |
| Sezzle Inc. (SEZL) | 73.5 | B+ | +22.3% |
| FEDERAL AGRICULTURAL MORTGAGE CORP (AGM) | 72.0 | B+ | -13.6% |
| BREAD FINANCIAL HOLDINGS, INC. (BFH) | 71.4 | B+ | -10.5% |
| Enova International, Inc. (ENVA) | 70.6 | B+ | -23.1% |
| Jefferson Capital, Inc. / DE (JCAP) | 69.6 | B | -0.3% |
| Mastercard Inc (MA) | 67.9 | B | +0.9% |
PayPal Holdings Inc. financial statements · Technology sector ranking · Credit Services industry ranking · All covered companies
The composite score (0–100, graded A+ to D-) blends research signals from each earnings call with fundamental lenses from SEC filings and market prices. Research signals: Industry opportunity, Stock selection, KPI momentum and Catalyst watch, read from what management said and whether it delivered. Fundamental lenses: Price (valuation), Expansion (growth), Quality (profitability) and Trend (momentum). Scores are recalculated every night and after every earnings call. The valuation gap compares the actual price path with the path the stock's market, sector and industry moves explain; it is a model comparison, not a fair-value estimate.
General information, not investment advice.