How to Buy PayPal Stock
Paypal Holdings Inc
PayPal Holdings, Inc. operates a technology platform that enables digital payments on behalf of merchants and consumers worldwide.
PayPal stock last closed at $40.81, up 1.29% from the previous day, and has decreased 48.09% in one year. It has underperformed other stocks in the Credit Services industry by 0.43 percentage points. PayPal stock is currently +6.11% from its 52-week low of $38.46, and -48.67% from its 52-week high of $79.50.
As of Feb 17, 2026, there are 920.66M shares of PYPL outstanding. The market capitalization of PYPL is $37.57B. In the past 24 hours, 20.08M PYPL shares were traded.
How to Buy PayPal Stock
Wondering how to invest in PayPal stock? Here's how.
- Choose where to buy PayPal stock: You need to decide on an online brokerage, but don't worry - we've tried dozens of online stock brokerages and apps to help you choose where to buy PayPal stock.
- Create your brokerage account: Sign up for 0% fee trading with the highest-rated brokerage we've identified.
- Put funds into your investment account: Pick your payment method and add your details.
- Research PayPal stock: The PayPal ticker symbol is PYPL. Is PayPal stock a good investment? Should you buy shares of PYPL? How do PYPL's underlying business fundamentals look? Do top analysts think PayPal is a good buy? Why has PYPL's stock price moved recently? (Hint: Our stock market research tools can help you understand if PYPL is a good stock to buy).
- Execute your PYPL buy order: Decide if you will purchase PYPL shares at the current market price or use a limit order to buy PYPL stock at a given price.
- Keep an eye on your PYPL position: Create a watchlist to important notifications about your new investment in PayPal shares.
Step 1: Choose where to buy PayPal stock
You need a brokerage account to access the NASDAQ market and buy PYPL shares.
Our favorite brokerage: eToro
Based on our research, eToro is the best place to buy stocks. eToro gives you:
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Open eToro AccountStep 2: Create your brokerage account
Now that you've chosen the right brokerage, it's time to fill out some personal information so you can buy PYPL today.
How to Open a New Investment Account on eToro
- Click here to get started.eToro is a multi-asset investment platform. The value of your investments may go up or down. Your capital is at risk.
- Provide your personal data to start your new trading account.
- Submit your data by clicking the "Create Account" button. Get started with eToro today
Step 3: Put funds into your investment account
Now that you've created your account on a mobile trading app, you can securely and quickly fund your account:
Watch this video walkthrough if you need help transferring money into your brokerage account.
Step 4: Research PayPal stock
After you have figured out the best place to buy PayPal stock, it's important to research their stock before you buy, so you truly comprehend the risk as well as the opportunity.
PayPal Numbers
PYPL Fundamentals
WallStreetZen was created to help average investors perform more accurate fundamental analysis.
You can view all of the due diligence checks on PYPL's stock page.
Is PYPL stock undervalued or overvalued?
Analysts use many financial metrics, analyses, models, and charts to gauge PYPL's true value.
Using relative valuations metrics:
- PYPL could be undervalued based on its P/E ratio of 7.47x, relative to Credit Services industry P/E ratio of 31.83x
- PYPL could be undervalued based on its P/B ratio of 1.85x, relative to Credit Services industry P/B ratio of 4.63x
- PYPL could be undervalued based on its PEG ratio of 0.7x
You can do more valuation research on PYPL's stock here.
PYPL Financial Overview
Passed Health Checks:
- PYPL's operating cash flow of $6.42B allows it to safely service it's debt of $9.99B.
- PYPL profit margin has gone up from 13% to 15.8% in the past year.
- There are more short-term assets than long-term liabilities on the PYPL balance sheet.
- There are more short-term assets than short-term liabilities on the PYPL balance sheet.
- PYPL earnings of $6.29B is not sufficient to cover its interest payments.
Failed Health Checks:
- Total PYPL debt is higher than 5 years ago, relative to shareholder equity.
- PYPL has a relatively high debt to equity ratio of 2.96.
Do Wall Street analysts think it's a good time to buy PYPL stock
Out of 19 Equities analysts who give ratings on PYPL, the consensus analyst rating on PayPal is a Hold
It's important to note that analyst forecasts are not recommendations, nor are they investment advice.
Latest PYPL Analyst Ratings
Bryan Keane, a top 17% analyst from Citigroup maintains PYPL with a hold rating and lowers their PYPL price target from $60.00 to $42.00, on Feb 4, 2026.
Tien-tsin Huang, a bottom 5% analyst from JP Morgan maintains PYPL with a hold rating and lowers their PYPL price target from $70.00 to $46.00, on Feb 4, 2026.
JP Morgan's Tien-tsin Huang lowered their price target on PayPal (NASDAQ: PYPL) by 34.3% from $70 to $46 on 2026/02/04. The analyst maintained their Hold rating on the stock.
PayPal reported its Q4 and FY 2025 earnings.
Huang said management "fairly reset" its growth guidance.
According to the analyst, the quarter's results lend credence to their negative thesis, which posits that PayPal will face challenges maintaining market share in a competitive environment.
Earnings Report
PayPal reported:
For Q4 2025:
- EPS of $1.23, which missed the Zacks Consensus Estimate of $1.29 but beat Q4 2024 by 3.4%.
- Revenue of $8.68B, which missed the Zacks Consensus Estimate of $8.77B but was up 3.7% Y/Y.
For FY 2025:
- EPS of $5.31, up 14% Y/Y.
- Revenue of $33.2, up 4% Y/Y.
Management guided:
For Q1 2026:
- Mid-single digit EPS decline.
For FY 2026:
- Low-single digit EPS decline.
Interim CEO Jamie Miller commented: “In 2025, PayPal delivered solid performance across multiple areas of the business.
"We grew revenue, transaction margin dollars, and earnings per share, underscoring the strength of our increasingly diversified platform.
"At the same time, our execution has not been where it needs to be, particularly in branded checkout.
"As announced today, the Board’s appointment of Enrique Lores as PayPal’s next President and CEO reflects a clear commitment to strengthening execution, innovation, and results.
"We are fully aligned on the path forward as PayPal enters its next chapter of growth.”
Jason Kupferberg, a bottom 2% analyst from Wells Fargo maintains PYPL with a hold rating and lowers their PYPL price target from $67.00 to $48.00, on Feb 4, 2026.
Adam Frisch, a bottom 13% analyst from Evercore ISI Group maintains PYPL with a hold rating and lowers their PYPL price target from $65.00 to $40.00, on Feb 4, 2026.
Joseph Vafi, a top 2% analyst from Canaccord Genuity downgrades PYPL to a hold rating and lowers their PYPL price target from $100.00 to $42.00, on Feb 4, 2026.
You can dive deeper into what analysts are saying on the PayPal stock forecast page.
Metrics for Advanced PYPL Traders
Is PYPL Making Money?
Last year, PYPL earnings were $5.23B. Over the past five year, PYPL's earnings have gone up by 8.81% per year. This was slower than the Credit Services industry average of 18.59%.
Last year, PYPL revenue was $33.17B. Over the last five year, PYPL's revenue has gone up by 9.11% per year. This was slower than the Credit Services industry average of 14.55%.
Dig into PYPL's earnings and revenue performance here.
What are PYPL insiders up to?
Over the last year, executives and large shareholders at PYPL have sold more shares than they have bought.
Suzan Kereere, President Global Markets of PYPL, was the latest PYPL insider to sell. They sold $1,293,792.48 worth of PYPL shares on Feb 15, 2026.
Dig into more about who owns PYPL shares here.
Does PYPL provide a stable income stream?
PayPal pays a dividend of 0.34%, compared to the Credit Services industry's average dividend yield of 5.19%. If you owned $1,000 of PYPL stock, you would have received $3.43 in the past year.
Get more info about PayPal dividend yield and history here.
PYPL Social Trading Data
One of the biggest reasons eToro is our top-rated brokerage is because of its social trading community.
Click below to see what other community members have to say.
Step 5: Execute your PYPL buy order
There are two main order types:
- Market order: A market order is an order to buy or sell a stock at the best possible price.
Market orders are usually the best for newer investors. - Limit order: A limit order enables you to buy or sell a security at a specific price (or better).
If you want to make sure you're buying or selling at a specific price, place a limit order.
Hit the Open button and your broker will execute the order.
If you want additional help with buying stocks on eToro, click the helpful video below:
Step 6: Keep an eye on your PYPL position
Now that you own some shares in PYPL, you'll want to stay up-to-date on your new shares.
Create a watchlist to get notified of the latest news about your PYPL stock.
PYPL Feed
How to Buy Stock in PayPal
To summarize, here are the 6 steps to buy stock in PayPal:
- Choose where to buy PayPal stock
- Create your brokerage account
- Put funds into your investment account
- Research PayPal stock
- Execute your PYPL buy order
- Keep an eye on your PYPL position
If you are looking for a place to buy stocks, eToro is our favorite option.
Get Started with eToro TodayIf you would like to get notifications regarding your new investment in PayPal, create your watchlist below.
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