Is Wall Street Bullish or Bearish on PayPal Holdings Stock?

Core Insights - PayPal Holdings, Inc. has a market capitalization of $51.9 billion and operates a two-sided technology platform for digital payments, connecting merchants and consumers [1] Performance Overview - Over the past 52 weeks, PayPal's stock has decreased by 38.5%, while the S&P 500 Index has increased by 16.1% [2] - Year-to-date, PayPal shares are down 4.9%, compared to a 1.9% gain in the S&P 500 [2] - PayPal has also underperformed the State Street Financial Select Sector SPDR ETF, which returned 3.1% over the same period [3] Recent Developments - On October 28, PayPal's shares rose by 3.9% following the release of strong Q3 2025 results, reporting adjusted EPS of $1.34 and revenue of $8.42 billion, both exceeding expectations [4] - The company announced a partnership with OpenAI, allowing ChatGPT users to purchase products through its platform, which positively influenced investor sentiment [4] - PayPal raised its full-year adjusted EPS forecast to a range of $5.35 to $5.39 [4] Earnings Expectations - Analysts project PayPal's adjusted EPS to grow by 15.3% year-over-year to $5.36 for the fiscal year ending December 2025 [5] - PayPal has a history of earnings surprises, having beaten consensus estimates in the last four quarters [5] Analyst Ratings - Among 44 analysts covering PayPal, the consensus rating is a "Hold," with eight "Strong Buy," two "Moderate Buy," 29 "Hold," one "Moderate Sell," and four "Strong Sell" ratings [5] - The current analyst configuration is less bullish than three months ago, when there were 13 "Strong Buy" ratings [6] Price Targets - Susquehanna lowered its price target on PayPal to $90 while maintaining a "Positive" rating [7] - The mean price target of $72.72 indicates a 31% premium to current price levels, while the highest price target of $105 suggests an upside potential of 89.2% [7]