Should You Buy PayPal Stock in 2025? A Guide for the Philippines

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At HelloSafe, our expert has been tracking the performance of PayPal for over three years. Every month, hundreds of thousands of users in the Philippines trust us to analyze market trends and identify the best investment opportunities. Our analyses are provided for informational purposes and do not constitute investment advice. In accordance with our ethical charter, we have never been, and will never be, compensated by PayPal.

What is PayPal?

What is the price of PayPal stock?

The price of PayPal stock is rising this week.

PayPal is currently trading at $74.83, with a 24-hour change of -$0.20 (-0.27%) and a weekly gain of +1.74%. Its market capitalization stands at $72.77 billion, and the average 3-month trading volume is 9.6 million shares. The stock has a P/E ratio of 16.82, does not pay a dividend, and has a beta of 1.45 indicating moderate volatility.

For Philippine investors, PayPal’s stable financials combined with its innovation in digital payments make it a dynamic stock to follow despite some recent fluctuations.

Our full analysis on the PayPal stock

Having carefully reviewed PayPal’s most recent financial results, as well as the stock’s trajectory over the past three years, our proprietary analysis draws upon a broad range of data streams—financial indicators, technical metrics, sector dynamics, and competitive benchmarks. This multifaceted approach reveals a nuanced picture of PayPal’s position and prospects in digital finance. So, why might PayPal stock once again become a strategic entry point into the fintech sector in 2025?

Recent performance and market context

PayPal shares have experienced a dynamic year, closing at $74.83 as of July 2025, within a 52-week range of $55.85 to $93.66. The stock has rebounded 26.83% year-on-year, outpacing many large-cap fintech peers and reflecting a broader recovery in the digital payments segment. Despite a -12.33% year-to-date change, recent weeks have brought upside, with the last week’s gain of +1.74% suggesting early signs of momentum amid favorable macroeconomic conditions. Market capitalization now stands at $72.77 billion, backed by investor optimism for PayPal’s ability to deliver innovation, grow its addressable market, and remain resilient amid global competition. The post-pandemic normalization of e-commerce and rapid regional adoption of digital wallets, especially in Southeast Asia and the Philippines, further augments growth prospects for PayPal’s platform.

Several recent events have fortified sentiment. The expansion of PYUSD, PayPal’s stablecoin, to additional blockchains (including Stellar) and its innovative rewards scheme have positioned PayPal at the frontier of digital asset payments. Partnerships—with Coinbase for fee-free stablecoin transactions, Fiserv for interoperability, and leading collegiate sports programs—have expanded PayPal’s commercial and ecosystem reach, providing new sources of demand and relevance across younger digital-native users.

Technical analysis

From a technical view, PayPal is consolidating above short-term support and is showing signals of basing for a potential upward move. As of July 2025, the RSI (14-day) sits at 44.79, near the oversold threshold, typically seen as a precursor for bullish reversal opportunities among seasoned traders. The MACD indicator has recently posted a value of -0.19, highlighting that while short-term momentum remains subdued, conditions are ripe for a change if buying interest picks up. The 5-day moving average ($74.77) flashes a buy signal, and both 100-day ($73.60) and 200-day ($72.99) averages are also positive. Short-to-intermediate-term resistance is identified at $92.00, with the $68.00 range offering robust support—a favorable risk/reward zone for new positions. For Filipino investors, these patterns underpin an environment where a systematic accumulation strategy, especially on pullbacks, could be rewarding as broader sentiment recovers.

Fundamental analysis

PayPal’s core fundamentals remain compelling despite recent headline volatility. Q1 2025 revenue reached $7.8 billion (Annualized: $31.89 billion), with earnings per share at $1.33, a 14.66% beat over analyst expectations. While topline revenue marginally trailed consensus forecasts, strong net income ($4.55 billion) and a healthy 14.26% profit margin underscore management’s ability to control costs and drive operational efficiency. Return on equity stands at a robust 22.2%, while free cash flow generation ($1.74 billion) enables continued reinvestment in innovation and strategic expansion. At current levels, the P/E ratio of 16.82 (forward P/E: 15.15) is attractive relative to global fintech averages, reflecting a stock that is reasonably valued or even undervalued based on future growth potential.

• A dominant share in the global digital payments ecosystem, with deep inroads into e-commerce, digital wallets, and merchant services.
• An aggressive, innovation-driven roadmap through stablecoins, blockchain, BNPL (Buy Now, Pay Later), in-store/NFC payments, and AI-powered user experiences.
• Strong brand equity and regulatory credibility, critical for long-term competitiveness in both developed and emerging markets.
• Unique positioning as both a technology and financial services provider, enabling margin expansion and diversified revenue streams.

Volume and liquidity

PayPal commands high liquidity, with average 3-month daily trading volume at 9.6 million shares, guaranteeing tight spreads and efficient access for both large and retail investors. The float, comprising 972.53 million shares outstanding, supports dynamic valuation adjustments, allowing the stock to respond quickly to news, earnings, or broader market factors. This structural liquidity ensures that investors in the Philippines can access PayPal easily via international platforms, and exit positions just as readily, minimizing entry and exit risks.

Catalysts and positive outlook

The forthcoming quarters are infused with potential regarding new product launches, geographic expansion, and digital payments sector tailwinds. PYUSD continues to serve as a transformative driver—PayPal’s multi-blockchain, reward-bearing stablecoin is catalyzing new digital wallet use cases and deepening customer loyalty. Integration of AI to enhance payment security, customer acquisition, and engagement highlights PayPal’s ongoing tech leadership. Partnerships with Coinbase, Fiserv, and collegiate sports brands demonstrate real-world utility, increased visibility among Gen Z users, and diversification of revenue sources. Additionally, the company’s market leadership in BNPL trends, wallet technology, and ongoing forays into physical point-of-sale solutions with NFC put PayPal on a robust growth trajectory. Analyst sentiment remains optimistic, with moderate buy ratings and average price targets in the $81–$83 range, above current pricing—highlighting belief in PayPal’s underlying engine for value creation. Macro drivers, like the increasing penetration of e-commerce, regulatory openness to fintech in Asia, and a growing preference for cashless payments, especially relevant to the Philippine market, serve as further support for the bullish thesis.

On the ESG front, PayPal’s responsible use of technology, focus on inclusive financial services, and positive reputation among global regulators add to its standing, making it a preference not just for growth, but for investors seeking responsible innovation.

Investment strategies

• Short-term: The stock’s position at or near technical support, combined with near-oversold RSI, points to favorable timing for tactical long positions, especially if accompanied by a positive earnings surprise or product announcement.
• Medium-term: Stable underlying financials, multiple recent partnerships, and product rollouts imply that holding through the next earnings cycles could capture meaningful upside.
• Long-term: PayPal’s dominant global platform, expansion into Asia-Pacific digital payments (with direct relevance for the PH market), and robust innovation pipeline suggest that current prices could prove to be an attractive long-term entry point for capitalizing on the megatrend of cashless, borderless commerce.

Ideal positioning may involve incremental accumulation while the stock trades at a relative low, with the intent of capturing structural upside as sentiment and volumes recover. Watching for clear signals, such as breach of technical resistance ($92) or confirmation from upcoming earnings, may further optimize timing.

Is it the right time to buy PayPal?

PayPal stands at a positive inflection, combining strong fundamentals, promising technical signals, and a forward-looking innovation agenda. Its relevance is only increasing as commerce, payments, and daily life migrate to digital—especially in fast-adopting regions like the Philippines. The fundamentals justify renewed interest, bolstered by its unique blend of scale, stability, and disruption capability. As analyst targets point to double-digit upside, and with the payment landscape continually evolving, the stock seems to represent an excellent opportunity for investors seeking sustainable exposure to global fintech leadership.

In sum, PayPal warrants the attention of any investor aiming for both resilience and growth, with the present phase appearing particularly suited for those considering new allocations in digital finance as the sector pivots toward the next era of global commerce.

How to Buy PayPal Stock in the Philippines

Buying PayPal stock online is both straightforward and secure when using a regulated broker. Investors in the Philippines can choose between two primary methods: direct, spot purchase of PayPal shares, or trading Contracts for Difference (CFDs). Spot buying means you actually own the shares, while CFDs give you exposure to price movements with leverage but without owning the underlying stock. Each method has pros and cons depending on your experience and objectives. A detailed broker comparison is provided further down the page to help you make the best choice for your needs.

Spot buying

A spot purchase means you buy PayPal stock outright, becoming a shareholder. Most brokers charge a fixed commission per order, often around ₱250–₱500 (or roughly $5) depending on the platform. This approach is ideal for long-term investors who want direct ownership and potential voting rights.

Gain scenario

Example: If the PayPal share price is $74.83, you can buy around 13 shares with a $1,000 stake, including a brokerage fee of around $5.

If the share price rises by 10%, your shares are now worth $1,100.

Result: +$100 gross gain, i.e. +10% on your investment.

Trading via CFD

CFD (Contract for Difference) trading lets you speculate on PayPal’s price changes without owning the shares. This allows you to use leverage—boosting your potential gains and losses. Instead of a commission, you’ll typically pay a spread (the difference between buy/sell prices) and possibly overnight financing fees if you hold the position longer than a day.

Example of a CFD Gain Scenario

Example: You open a CFD position on PayPal shares, with 5x leverage and a $1,000 stake.

This gives you a market exposure of $5,000.

✔️ Gain scenario:

If the stock rises by 8%, your position gains 8% × 5 = 40%.

Result: +$400 gain, on a bet of $1,000 (excluding fees).

Final advice

Before investing in PayPal stock, be sure to compare brokers’ fees, trading platforms, and conditions, as these can have a real impact on your gains. The best option depends on your goals: spot buying is well-suited for long-term investors, while CFDs may suit those seeking flexible, short-term opportunities. For a full broker comparison, check further down the page.

Our 7 tips for buying PayPal stock

The latest news about PayPal

PayPal expands PYUSD stablecoin to Stellar blockchain for greater global reach. This official expansion, announced within the last week, enhances PayPal’s cross-border capabilities and strengthens its appeal in Southeast Asia, including the Philippines, by streamlining digital payments and broadening access to blockchain-based transactions.

Coinbase and PayPal deepen partnership with no-fee PYUSD transfers. PayPal and Coinbase have introduced zero-fee transactions for PYUSD, announced this week. This initiative lowers costs for investors and businesses in fast-growing markets like the Philippines, bolstering digital wallet interoperability and expanding PayPal’s ecosystem for regional remittances and online commerce.

Analyst consensus remains positive on PayPal’s regional growth prospects and innovation pipeline. Over 34 institutions maintain a “Buy” or “Moderate Buy” outlook for PayPal, citing its leadership in digital payments, ongoing product innovation, and momentum from blockchain and AI integrations—even as technical indicators remain mixed short term.

Philippine e-commerce and freelancers benefit from PayPal’s B2B and merchant solutions. Recent product enhancements, such as local-currency settlements and integrated ‘Buy Now, Pay Later’ services, have spurred increasing adoption among Philippine SMEs and online workers, strengthening PayPal’s foothold as remittances and cross-border activity rise.

Robust 1-year stock performance and cash flow despite global market volatility. PayPal shares are up 26.83% year-on-year, with resilient free cash flow ($1.74 billion) and stable guidance from management. This financial strength underpins continued investment into strategic, APAC-focused growth, increasing its relevance for Philippine investors and businesses.

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.