Should I buy PayPal stock in 2025?

What is PayPal?

How much is PayPal stock?

The price of PayPal stock is falling this week. As of now, PayPal trades at $69.85, representing a decrease of $1.60 or -2.24% over the past 24 hours, and down 3.23% this week. The company’s market capitalization stands at $67.93 billion, with an average daily trading volume of 10.71 million shares over the last three months. PayPal has a price-to-earnings (P/E) ratio of 15.70, does not currently pay a dividend, and has a beta of 1.51, indicating greater price swings than the market. This level of volatility can offer opportunities for investors looking for both short-term trades and long-term growth in the rapidly evolving digital payments space.

Our full analysis on PayPal stock

Over the past three years, we have conducted a rigorous review of PayPal Holdings Inc.’s financial results, market performance, and relative valuation within the dynamic payments sector. By leveraging our proprietary algorithms—which synthesize technical signals, financial metrics, competitive positioning, and market sentiment—our analysis provides unparalleled insight into the potential trajectory of PYPL stock for investors. So, why might PayPal stock once again become a strategic entry point into the global fintech and digital payments space in 2025?

Recent Performance and Market Context

Despite a challenging six-month stretch that saw PayPal’s share price contract by 19.5%, the stock rebounded impressively over the past twelve months, registering a robust 13.43% gain and closing at $69.85 on May 27, 2025. Intraday and weekly fluctuations—a 2.24% dip and a 3.23% weekly decrease—indicate ongoing adjustments to shifting sentiment, yet these moves have unfolded against a fundamentally constructive backdrop. The company’s Q1 2025 financial results, released on April 29, outperformed consensus expectations on earnings, with adjusted EPS reaching $1.33 versus the forecasted $1.16, as transaction margin dollars expanded by a notable 7% year-on-year.

Importantly, PayPal’s commitment to continuous innovation was underscored by the unveiling of six landmark product enhancements, including a completely overhauled checkout experience and a transformative approach to commerce integration—timely developments as global e-commerce volumes rebound and digital payment penetration accelerates, particularly in markets attuned to rapid fintech adoption such as the Philippines. Sector-wise, the payment ecosystem remains buoyed by secular growth drivers: an expanding global e-commerce base, increased digital wallet adoption, and a marked shift toward embedded finance, all of which are likely to sustain demand for PayPal’s core services in the medium and long term.

Technical Analysis

A closer look at PYPL’s technical structure suggests a constructive setup for bullish investors. The stock is currently trading above its 20-day and 50-day moving averages ($69.73 and $66.78, respectively), both signals of positive short-term momentum. Although it remains marginally below its 100-day and 200-day moving averages ($73.55 and $76.38), this proximity signals that any sustained upward momentum could translate to a decisive reversal—and, potentially, a return to higher valuation multiples.

• RSI (14) stands at 52.83, situating the stock in a neutral zone—not overbought, nor oversold—indicating ample room for further advances.
• MACD (1.59) points to a continuing bullish trend, reinforcing the notion that recent pullbacks may represent healthy consolidations rather than trend reversals.
• Support Zones: Strong technical supports have formed in the $69.60–$69.84 range, proximate to recent lows, bolstering downside resilience. Further below, multi-month support anchors at $58.91–$59.11, providing an additional safety net.
• Resistance: Upcoming resistance at $71.89–$72.68 could serve as the next threshold for buyers, with a decisive break likely triggering further upside.

Significantly, current technical signals—including the emergence of a bull flag pattern—suggest the stock is primed for an upward move as volatility subsides. For both short-term traders and long-term strategists, such technical alignment often signals the onset of a new bullish phase.

Fundamental Analysis

On the fundamentals, PayPal continues to exhibit outstanding characteristics that underpin lasting investor confidence:

• Revenue Growth & Profitability: Q1 2025 revenue advanced 1% year-on-year to $7.79 billion, with transaction margin dollars surging by 7% over the same period—a testament to ongoing operational discipline and resilient demand. Adjusted EPS of $1.33 not only exceeded expectations but was accompanied by blockbuster free cash flow guidance ($6–7 billion for FY2025).
• Strategic Expansion: Venmo, PayPal’s star platform, delivered 20% revenue growth and 50% growth in “Pay with Venmo” transaction volumes, driven by an aggressive monetization strategy and product enhancements. CEO Alex Chriss’s vision—to reach $2 billion in Venmo revenue by 2027—appears increasingly realistic as the platform’s ecosystem deepens, especially through innovative financial products such as debit cards, now reaching 6% penetration among monthly active users.
• Attractive Valuation: Despite rapid technological advances and sector resiliency, PayPal is currently trading at a highly compelling P/E ratio of 15.7 (TTM), markedly below historic sector averages for fast-growing fintechs. With an analyst consensus target price of $83.02 (implying ~19% upside), the valuation argument is both compelling and well-supported by improving fundamentals.
• Structural Advantages: PayPal’s brand is globally trusted, with 436 million active accounts and high merchant and consumer acceptance rates. Its deep integration with major online platforms (Meta, DoorDash, Starbucks, Ticketmaster, and more) enhances moat-like characteristics and bodes well for future market share consolidation.

Volume and Liquidity

Consistent trading activity—averaging 10.71 million shares daily over the past three months—reflects enduring market confidence and deep institutional interest. The company’s high float (over 972 million shares outstanding) ensures ample liquidity, supports price stability, and lays the groundwork for dynamic valuation readjustments as positive news flows or structural catalysts emerge.

From a tactical perspective, this liquidity profile is particularly attractive for Filipino and ASEAN-based investors, as it facilitates efficient position entry and exit even during periods of elevated market volatility.

Catalysts and Positive Outlook

Looking forward, several structural and event-driven catalysts stand ready to propel PayPal into a new growth cycle:

• Innovations & Product Expansion: The six new product launches in Q1 2025, including seamless checkout and next-generation payment tools, are set to transform user experiences across online and mobile commerce.
• Venmo Acceleration: Venmo’s 20% top-line growth, rapidly expanding into mainstream commerce and new financial products, positions PayPal at the forefront of the consumer payment revolution—a trend particularly relevant given the Philippines’ youthful, mobile-first digital economy.
• Platform Partnerships: Deepening collaborations with Meta, DoorDash, Starbucks, and Ticketmaster are expected to unlock new transaction streams and solidify PayPal’s leadership in embedded finance.
• Margin Expansion: Five consecutive quarters of improved transaction margins highlight a sustainable, efficiency-driven growth trajectory seldom matched by peers.
• Cash Flow & Capital Discipline: Projected free cash flow of $6–7 billion for FY2025 reinforces the company’s ability to reinvest, weather macro headwinds, and potentially pursue strategic M&A or share repurchases.
• Secular Tech Tailwinds: As regulatory frameworks in payments mature and digital adoption broadens across ASEAN, PayPal’s diversified business model provides resilience against global shocks and competitive incursions.

Investment Strategies

Given the current technical and fundamental context, PayPal may offer attractive entry points across various time horizons:

• Short-Term: The stock’s position above key short-term moving averages, alongside emerging bullish patterns, opens tactical windows for nimble investors seeking exposure ahead of a potential break above $72 resistance.
• Medium-Term: Medium-term investors can capitalize on structural catalysts such as ongoing product rollouts, margin expansion, and positive sector flows. The next quarterly earnings and Venmo milestones may serve as clear triggers for further upside.
• Long-Term: For long-horizon accumulation, PayPal’s discounted multiple (relative to sector peers), robust free cash flow, and strategic positioning as a trusted platform in global payments make a strong case for holding through future cycles. The ongoing digitalization wave across Asia and continued innovations from PayPal’s leadership team suggest durable growth and market share gains well into the next decade.

Strategically, initiating or adding to positions near current support zones—or during temporary price consolidations—could position investors favorably ahead of the next major catalyst or technical breakout.

Is it the Right Time to Buy PayPal?

PayPal’s current setup offers a compelling blend of technical resilience, fundamental strength, and multi-faceted growth catalysts that justify renewed attention from investors seeking exposure to global fintech leadership. With an estimated 19% upside to analyst consensus targets, a proven history of innovation-driven expansion, and a robust liquidity profile, the stock appears attractively positioned at a juncture where both sector dynamics and company-specific progress point to future outperformance.

While risks and competition remain part of the equation, PayPal’s strong execution, brand equity, and accelerating monetization—particularly through Venmo and its expanded product suite—suggest the stock has entered a promising new upcycle. For investors in the Philippines and the broader ASEAN region, PayPal’s global footprint and innovative edge make it an especially relevant candidate for portfolio consideration.

In summary, PayPal’s distinctive blend of technical momentum, strategic innovation, and attractive valuation seems to represent an excellent opportunity for investors confident in the digital payments revolution—and those who appreciate resilient, world-class platforms at an inflection point in their growth trajectory.

How to buy PayPal stock in PH?

Buying PayPal stock online is now straightforward and secure for investors in the Philippines, thanks to regulated brokers providing robust platforms and local support. There are two main ways to invest: direct (spot) buying of PayPal shares, where you become a shareholder, and trading Contracts for Difference (CFDs), which let you speculate on price movements without owning the actual stock. Each method has its own benefits and level of risk. To find the most suitable broker for your needs, a detailed comparison of top platforms is available further down this page.

Spot Buying

Spot buying, or cash purchase, means that you’re directly acquiring shares of PayPal on the US stock market, making you a partial owner of the company. When purchasing via an online broker serving Philippine clients, typical charges include a fixed commission per trade, often around $5 (about ₱285 as of current exchange rates).

Spot Buying Example

For example, if PayPal’s share price is $69.85, a $1,000 investment (approx. ₱57,000) allows you to buy around 14 shares, after factoring in the $5 brokerage fee.
✔️ Gain scenario:
If PayPal's share price increases by 10% to $76.84, your shares would be worth roughly $1,100.
Result: +$100 gross gain — or a 10% return on your investment (excluding taxes and potential currency fluctuations).

Trading via CFD

CFD trading lets you speculate on PayPal's price movement—up or down—without actually owning the shares themselves. Instead, you enter a contract with your broker to exchange the difference in PayPal’s price from the time you open to when you close the position. CFD fees typically include a spread (the difference between buy/sell prices) and, if you keep positions open overnight, a small financing charge.

CFD Trading Example

For example, with a $1,000 margin and 5x leverage, you get market exposure equivalent to $5,000.
✔️ Gain scenario:
If PayPal's price rises by 8%, your position gains 40% (8% × 5 leverage), generating a $400 profit on your $1,000 stake (before fees).

Final Advice

Before investing in PayPal shares, it’s important to carefully compare brokers’ fees, trading conditions, and support for Philippine residents. The choice between spot buying and CFD trading will depend on your goals, risk tolerance, and preferred investment style. Detailed broker comparisons and guides are available further down the page to help you make an informed decision and invest with confidence.

Our 7 tips for buying PayPal stock

The latest news about PayPal

PayPal’s leadership highlighted ongoing innovation and strong digital payments ecosystem strength in their latest updates. Within the past week, PayPal showcased six new innovations designed to transform the commerce experience for merchants and consumers alike, including a completely revamped checkout system aimed at improving speed and convenience. These advancements have direct implications for digital economies like the Philippines, which has witnessed rapid e-commerce growth and high adoption of digital wallets, making PayPal’s cutting-edge solutions directly relevant to local merchants expanding internationally or to Filipinos shopping on global platforms.

Venmo’s robust revenue growth and expanded debit card usage signal increased monetization and product relevance. Venmo, a platform closely integrated with PayPal, posted a 20% year-over-year revenue rise in Q1 2025, complemented by a striking 50% surge in ‘Pay with Venmo’ volume and a 40% increase in active debit card users. While Venmo’s primary market remains the US, its accelerating growth points to best practices and technology platforms that PayPal could look to deploy or partner with in Southeast Asian markets—including the Philippines—as the company seeks more cross-border transaction volume and wider wallet adoption.

PayPal maintains a strong financial position with consistent transaction margin improvement and expanding global active accounts. Financial results released at the end of April show PayPal exceeded earnings expectations, with an adjusted earnings per share of $1.33 against the forecasted $1.16, and an increase in global active accounts to 436 million. Transaction margin dollars grew 7% year-over-year, marking the fifth consecutive quarter of improvement. For the Philippine market, PayPal’s global liquidity and scale offer continued reliability for freelancers, exporters, and SMEs processing payments from international clients.

Technical indicators signal stabilizing conditions with prospects for upward movement in PayPal stock after recent consolidation. The technical outlook as of May 27 indicates a neutral RSI and bullish MACD, with the current share price holding above both the 20- and 50-day moving averages. A bullish flag pattern has emerged, which often precedes a potential upward breakout. This is especially noteworthy for Philippine investors seeking exposure to US-listed fintech stocks, as it suggests growing stability and possible appreciation despite recent volatility.

The company’s expanding partnerships with top global platforms reinforce PayPal’s relevance to Philippine e-commerce exporters and digital professionals. PayPal continues to deepen integration with household names like Meta, Starbucks, DoorDash, and Ticketmaster, which are increasingly sought-after by Philippine-based service providers, merchants, and digital nomads. The expansion of these partnerships is expected to fuel further payment volume growth and broaden acceptance, providing more seamless ways for Filipinos to receive international payments and further entrenching PayPal in the global digital commerce ecosystem.

FAQ

P. Laurore

Finance expert

Co-founder of HelloSafe and holder of a Master's degree in finance, Pauline has recognised expertise in personal finance, which she uses to help users better understand and optimise their financial choices. At HelloSafe, Pauline plays a key role in designing clear, educational content on savings, investments and personal finance. Passionate about financial education, Pauline strives, with every piece of content she oversees, to provide reliable, transparent and unbiased information for independent and informed financial management. To this end, she has tested over 100 trading platforms to help internet users make the right choices.