PayPal · Financials
PYPL
$56.56
PayPal Holdings, Inc. is an American multinational financial technology company operating an online payments system in the majority of countries that support online money transfers; it serves as an electronic alternative to traditional paper methods such as checks and money...贝宝控股公司（PayPalHoldings,Inc.）是一家美国跨国金融科技企业，在多数支持在线转账的国家运营电子支付系统，作为支票和汇票等传统纸质支付方式的电子替代方案。
Financial金融股
Large cap大盘
$52B
Engine stance引擎立场2026-07-20
Extended — don't chase; wait for a pullback过度拉升 — 勿追高；等待回撤
You missed the bottoming entry — the low already formed and price is now extended (overbought (daily RSI 81)). Don't cha已错过筑底入场——低点已经形成，目前价格已拉伸（已超买（日线 RSI 81））。不要追高；等待回调至 10 日均线或下一个周期低点。若已持有则继续持有。
Key Statistics关键统计
Price价格
$56.56
27.1% below 52-week high低于52周高点 27.1%
Market Cap市值
$52B
Normal volume正常成交量
P/E Ratio市盈率
9.9x
15.0x sector median
Beta贝塔
1.21
Moves about 1.2x the market波动幅度约为市场的 1.2 倍
RSI (14)RSI（14）
81
Overbought超买区域
Next Earnings下次财报
2026-08-04 (16d)
Volatility Rank波动率分位
91th pctile
hist. vol. percentile历史波动率分位数
Short Interest空头兴趣
6.0% of float
Performance价格表现
| Period周期 | PYPL | S&P 500 | vs Index对比指数 |
|---|---|---|---|
| 1 Week近1周 | +22.1% | -1.5% | Beat the index by 23.6 points跑赢指数 23.6 个百分点 |
| 1 Month近1月 | +34.4% | +0.6% | Beat the index by 33.8 points跑赢指数 33.8 个百分点 |
| 3 Months近3月 | +11.7% | +4.7% | Beat the index by 7.0 points跑赢指数 7.0 个百分点 |
| 6 Months近6月 | +0.0% | +7.8% | Lagged the index by 7.8 points落后指数 7.8 个百分点 |
| Year to date年初至今 | -2.1% | +9.1% | Lagged the index by 11.2 points落后指数 11.2 个百分点 |
| 1 Year近1年 | -22.8% | +19.4% | Lagged the index by 42.2 points落后指数 42.2 个百分点 |
Technicals技术面
RSI (14)RSI（14）
81
Overbought超买区域
vs 50-day相对50日均线
+26.7% vs 50-day avg
vs 200-day相对200日均线
+7.6% vs 200-day avg
Volatility rank波动率分位
91th percentile 分位
Engine reference levels — not advice引擎参考水平 — 非投资建议
Buy zone买入区间
$49.07
Don't chase above不追高于
$56.56
Stop止损
$41.24
Extended — wait for a pullback过度拉伸 — 等待回撤
Earnings财务业绩
16
days until next report天后公布财报
2026-08-04
Estimates being cut预期下调
Post-earnings drift: -10.4% (20d)财报后漂移：-10.4%（20日）
Earnings call transcripts — coming soon财报电话会议记录 — 即将上线
Valuation估值
| Multiple指标 | PYPL | Sector median行业中位 | Cheaper than相对便宜 |
|---|---|---|---|
| P/E (trailing)市盈率（历史） | 9.94x | 14.99 | 89% |
| P/B市净率 | 2.57x | 1.52 | 25% |
| P/S市销率 | 1.57x | 2.87 | 71% |
| Earnings yield盈利收益率 | 10.06% | 6.58 | 90% |
| Shareholder yield股东收益率 | 11.63% | 3.91 | 91% |
Analyst price targets — coming soon分析师目标价 — 即将上线
Financials财务数据
Revenue营业收入
5yr CAGR5年复合增速: 9.1%
Earnings Per Share每股收益
5yr CAGR5年复合增速: 8.9%
Free Cash Flow自由现金流
Margins利润率
25.8%Return on Equity股本回报率
6.5%Return on Assets资产回报率
Leverage杠杆
| Net debt / EBITDA净债务/EBITDA | 0.28 |
Capital Allocation资本配置
| Buybacks (TTM)回购（TTM） | $6.1B |
| Stock-based comp股权薪酬 | $1.0B |
| Share count change (1y)股数变化（1年） | -7.4% |
Piotroski皮奥特罗斯基 7/8
Altman Z阿尔特曼Z: grey (1.9)
Clean稳健
Snapshot Gauges综合指标
Valuation vs Sector估值相对行业
Looks cheap vs sector相对行业偏便宜
Cheaper than 62% of its sector on blended multiples综合估值倍数低于行业内 62% 的公司
Beta市场敏感度
1.21×
0.21×3×
Moves about 1.2× the market波动幅度约为市场的 1.2 倍
Financial Health财务健康
7/8
Altman阿尔特曼: grey
Strong financial health财务健康状况良好
Dividend分红
—
Does not pay a dividend不派发股息
Why Is It Moving为何波动
Sector / Theme行业/主题
Payments & Fintech theme — #9 of 46 themes「支付与金融科技」主题 — 46 个主题中第 9 位
Macro宏观
Short-duration name into a restrictive, rising-real-rate regime → rate tailwind.短久期标的进入偏紧、实际利率上行的环境→利率顺风。
Positioning持仓
Insider cluster activity内部人集中交易
Technical技术面
PYPL reclaimed its 200-day averagePYPL 收复200日均线
Options Positioning期权持仓
Market makers are net long gamma — price pinned near current level做市商净持有正伽玛，价格倾向于在当前水平附近震荡
Expected daily move预期日波动
±2.33%
Expected weekly move预期周波动
±5.21%
Call wall看涨密集区
$60
Put wall看跌密集区
$52
25d risk reversal25d风险逆转
-0.7%
Flow资金流向
$53M premium traded; 0% 0DTE; 49 fresh positions; P/C 0.61; net new CALL positioning (bullish lean) (ΔOI +59,804); ~leans bullish (direction approx)成交权利金 $53M；0DTE占0%；49个新建仓；看跌看涨比 0.61；净新增看涨持仓（偏多）（ΔOI +59,804）；≈偏看涨（方向近似）
Skew: 偏斜：balanced
Ownership & Smart Money持仓与聪明钱
Insider activity内部人员活动: -$6.2M net (0 buyers, 5 sellers)-$6.2M 净值（0 买家，5 卖家）
Concentrated ownership集中持仓
| Fund基金 | Grade评级 | Activity动作 | % of portfolio组合占比 | As of截至 |
|---|---|---|---|---|
| Punch Card Management | A | Holding持有 | 10.5% | 2026-03-31 |
| Coatue Management | A | trimtrim | 0.2% | 2026-03-31 |
| Polen Capital Management | B | exitexit | 0.0% | 2026-03-31 |
Signal History信号历史
TOP WATCH
NEARING A HIGH
Jul 15, 2026
PYPL reclaimed its 200-day averagePYPL 收复200日均线
Price closed back above the 200-day moving average — the classic bull dividing line. $55.52.收盘重回200日均线 — 经典的多头分界线。$55.52。
Jul 15, 2026
PYPL took relative-strength leadershipPYPL 取得相对强弱领先
Relative strength vs SPY crossed above the 90th percentile of the last 90 days — leadership tends to persist. $55.52.相对标普500的强弱上穿近90日的第90百分位 — 领先往往延续。$55.52。
Jul 15, 2026
PYPL RSI reached overboughtPYPL RSI进入超买
RSI(14) crossed above 70 — stretched to the upside; context, not a timing trigger alone. $55.52.RSI(14)上穿70 — 上行过度；仅作背景，单独不构成择时。$55.52。
Jul 13, 2026
BOTTOMING → BUY ZONE筑底中 → 买入区
BUY买入
Jul 9, 2026
NEARING A HIGH → BOTTOMING接近高点 → 筑底中
BUY SETUP买入预备
Jul 8, 2026
BOTTOMING → NEARING A HIGH筑底中 → 接近高点
TAKE PROFITS止盈
Jul 2, 2026
UPTREND → BOTTOMING上涨趋势 → 筑底中
BUY SETUP买入预备
Jun 30, 2026
BOTTOMING → UPTREND筑底中 → 上涨趋势
HOLD持有
Jun 26, 2026
UNCONFIRMED TURN → BOTTOMING未确认转向 → 筑底中
BUY SETUP买入预备
Showing last 15 of显示最近15条，共 90 signals条信号
Factor Profile因子特征
Composite factor score综合因子得分: 0.53
Value价值
+0.3
Quality质量
+0.3
Investment资本投入
+0.4
Shareholder payout股东回报
+1.9
Low volatility低波动
-0.3
Low market beta低市场敏感度
-0.5
Earnings quality盈利质量
-0.6
Short interest空头兴趣
+0.3
Company Profile公司档案
PayPal Holdings, Inc. is an American multinational financial technology company operating an online payments system in the majority of countries that support online money transfers; it serves as an electronic alternative to traditional paper methods such as checks and money...贝宝控股公司（PayPalHoldings,Inc.）是一家美国跨国金融科技企业，在多数支持在线转账的国家运营电子支付系统，作为支票和汇票等传统纸质支付方式的电子替代方案。
Watch items — what could change the thesis关注项 — 可能改变论点的因素
- Capital intensity rising
Get the full picture获取完整视图
Nightly signals, options flow, and factor analysis across all S&P 500 names.每日更新的信号、期权资金流向和因子分析，覆盖所有标普500成分股。