InsiderStreet Equity Research

Produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation for any investor. Do not rely on it for any investment decision.

Last Close

$56.70

2026-10-16

Market Cap

$48.5B

Volume

11.0M

52-Wk High

$79.22

52-Wk Low

$38.46

Trailing PE

10.6

P/S

1.42

Gross Margin

45.8%

Net Margin

14.4%

ROE

24%

ROIC

14%

Piotroski

7/9

Altman Z

1.9

1-Yr Return

-14.0%

5-Yr Return

-47.1%

PayPal Holdings, Inc. provides a worldwide technological framework that facilitates digital financial transactions for both businesses and individual users. The company offers a wide array of payment services through well-known brands such as PayPal, PayPal Credit, Braintree, Venmo, Xoom, Zettle, Hyperwallet, Honey, and Paidy. Through its extensive platform, consumers are able to send and receive funds across roughly 200 global markets and in approximately 100 different currencies. Additionally, users can transfer money to their bank accounts in 56 currencies and maintain account balances in 25 distinct currencies within their PayPal accounts. Founded in 1998, the company's corporate headquarters are situated in San Jose, California.

SectorFinancial ServicesIndustryFinancial - Credit ServicesExchangeNASDAQMarket Cap$48.5BEmployees23,800 (SEC-filed)CEOEnrique J. LoresIPO2015-07-06CountryUS

2211 North First Street, San Jose, CA 95131 · Tel 408 967 1000 · paypal.com

INSIDERSTREET SCORE64 / 100Street mean $56.67 (21 analysts, last qtr) — their number, not ours

INSIDER CONSENSUS SIGNALTWO-WAY FLOW$0.3M buys against $4.1M sells / 6 mo

INSIDERSTREET
SCORE64of 100

Score Breakdown

Profitability	62/100
Growth	48/100
Momentum	76/100
Quality	77/100
Earnings Quality	69/100
Balance Sheet	69/100
Value	77/100
Risk (safety)	100/100
Overall	64.3/100

Each component is a diagnostic reading on its own 0-100 scale. The overall score is computed separately from the underlying financials and is not the average of the rows above — components are not equally weighted and three of them (Momentum, Value, Risk) are derived partly from price rather than from the business.

Peer Comparison — IS Score

Symbol	IS Score
SYF	56
GPN	23
AFRM	67
COF	63
SOFI	11
ALLY	44
PYPL	64

IS Score Trend — quarterly

14 quarters, 23 Q1 to 26 Q2. Peak 67 in 24 Q3, latest 64 — -3 since. Fell in 1 of the last 4 quarters. Dashed line marks 40 on the 0-100 scale.

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1 Year vs S&P 500 · PYPL -14.0% · S&P 500 +15.9% · spread -29.8pp

7 Years vs S&P 500 · PYPL -47.1% · S&P 500 +189.9% · spread -236.9pp

Both charts indexed to 100 at the start of their window and drawn on a single shared scale, so the gap to the benchmark is the gap you see. Adjusted closes throughout.

BUSINESS QUALITY64 / 100IS Score 64.3 / 100 · -3.1 from peak of 67

Fundamental factor model, quarterly. Measures how the business is doing - not where the price is going.

PRICE STRUCTUREBULLISHTechnical Score 86 / 100 · Power +71 · 20 of 22 indicator votes bullish

Vote share across trend, momentum, volume, volatility and pattern families. Describes where the price is, not where it is going.

Both readings sit above the midpoint — business quality at 64 and price structure at 86 out of 100 — so they are not in conflict. The fundamentals and the tape are saying the same thing, which is the case in which either one alone would have been enough.

Trigger	Where it stands now	What it would mean
IS Score reaches 75 and holds two consecutive quarters	now 64.3	would move us up one band
IS Score stops falling - one quarter higher than the prior	last four: 60 → 65 → 63 → 64	the direction matters more than the level
Technical vote share back above 50%	now 100%	price structure no longer broken
Institutional holder count rises two quarters running	peak 1,994 → now 1,390	fewer institutions willing to hold is our clearest warning

We publish these so the view can be shown to be wrong. If none of them move and our reading does, we owe you an explanation.

This page is InsiderStreet's own reading, produced from the data in the rest of this document. It is not a price target and not investment advice. Analyst consensus and street price targets appear later under their own heading and are the street's numbers, not ours.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Site Convergence Score2 of 4top 13% of 29,420 symbols

Sources Aligned— of 3independent disclosures

Congress (180d)6 buys2026-07-30

Insider Buys (180d)0none disclosed

ETF Funds (30d)1235 up / 1249 downnet -14 funds

Institutions Added (13F)-112managers opening or increasing

Congressional and insider figures are disclosed purchases in the trailing 180 days; ETF figures are COUNTS OF FUNDS whose holding changed in 30 days, not dollars. Coincidence of separate disclosures, not coordination. An absent source means nothing qualifying was disclosed in its window.

Institutions holding — 12 quarters

Peak 1,994 · latest 1,390 (-604 from peak).

Quarter	Holders	13F shares	Value	Reported own%
2026 Q2	1,390	659.2M	$28.0B	73.7%
2026 Q1	1,502	653.0M	$29.5B	73.0%
2025 Q4	1,732	721.9M	$41.6B	80.7%
2025 Q3	1,770	708.4M	$46.7B	79.2%
2025 Q2	1,861	725.0M	$53.3B	81.0%
2025 Q1	1,879	732.7M	$46.9B	81.9%
2024 Q4	1,994	731.8M	$61.3B	81.8%
2024 Q3	1,860	710.9M	$54.3B	79.4%
2024 Q2	1,732	713.6M	$41.3B	79.7%
2024 Q1	1,780	712.9M	$47.4B	79.7%
2023 Q4	1,827	732.1M	$44.9B	81.8%
2023 Q3	1,748	733.4M	$42.6B	82.0%

How to read ownership above 100%. A 13F reports the positions a manager has investment discretion over, and where two or more managers share discretion over the same block, each one reports it. Summed across filers, the total can therefore exceed the shares actually outstanding without anything being wrong. We publish the figure as filed rather than netting it down, and flag separately any quarter where the arithmetic is not merely high but impossible.

Insider	Role	Date	Type	Shares	Value	Post-Txn Owned
Webster Aaron	EVP, Global Chief Risk Officer	2026-10-15	EXERCISE	5,900	—	71,661
Webster Aaron	EVP, Global Chief Risk Officer	2026-10-15	EXERCISE	2,622	—	74,283
Webster Aaron	EVP, Global Chief Risk Officer	2026-10-15	TAX W/H	3,883	$0.22M	70,400
Webster Aaron	EVP, Global Chief Risk Officer	2026-10-15	EXERCISE	5,900	—	11,800
Webster Aaron	EVP, Global Chief Risk Officer	2026-10-15	EXERCISE	2,622	—	5,244
Natali Chris	SVP, Chief Accounting Officer	2026-10-15	EXERCISE	2,727	—	5,127
Natali Chris	SVP, Chief Accounting Officer	2026-10-15	TAX W/H	1,291	$0.07M	3,836
Natali Chris	SVP, Chief Accounting Officer	2026-10-15	EXERCISE	2,727	—	8,176

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

6-mo decomposition (Form 4)	Txns	Shares	Value	Signal weight
S — Open-market sales	26	84,852	$4.1M	Counted
P — Open-market purchases	1	6,129	$0.3M	Counted
M — Exercises (paired A/D)	48	341,806	—	None — mechanics
F — Tax withholding	34	190,840	$4.2M	None — compensation

Monthly Net Insider Flow (000 shares)

Net of acquisitions minus dispositions, all Form 4 types.

Signal Summary

SignalTwo-Way Flow

Open-Market Sells$4.1M26 txns / 6 mo

Open-Market Buys$0.3M1 txns / 6 mo

ClusterNone active3+ insiders / 21 days

Filed	Filer	Shares registered	Est. proceeds
2026-09-03	Suzan Kereere	3,379	$0.2M
2026-09-03	Frank Keller	4,612	$0.3M
2026-09-03	Christopher Natali	552	$0.0M
2026-08-18	Suzan Kereere	4,162	$0.3M
Trailing 12 mo	24 filings	163,312	$8M

Filed	Form	Reporting person	% of class	Shares
2026-04-30	SCHEDULE 13G	Vanguard Capital Management	6.99%	64.4M sh
2026-01-30	SCHEDULE 13G/A	The Vanguard Group	9.65%	90.4M sh

Member	Chamber	Trade	Size band	Traded	Disclosed
Ro Khanna	House	SELL	$1,001 - $15,000	2026-09-25	2026-10-09
Gilbert Cisneros	House	SELL	$1,001 - $15,000	2026-05-15	2026-06-09
Gilbert Cisneros	House	SELL	$1,001 - $15,000	2026-05-15	2026-06-09
John Boozman	Senate	BUY	$1,001 - $15,000	2026-07-30	2026-08-17
John Boozman	Senate	BUY	$1,001 - $15,000	2026-07-30	2026-08-17
John Boozman	Senate	BUY	$1,001 - $15,000	2026-07-30	2026-08-17

House 12-Mo33 trades9 purchases

Senate 12-Mo12 trades10 purchases

CoverageSTOCK Act filings30-45 day disclosure lag

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

13F Filers (last complete Q)1,502

13F Shares653M73.0% of shares out

New / Closed160 / 360positions, QoQ

Increased / Reduced537 / 649positions, QoQ

Put/Call (13F)0.61option positions

Free Float99.9%854M sh

2.8 · Largest Reporting 13F Managers

Manager	Shares	Value
Assenagon Asset Management S.A.	1.7M	$88M
Vontobel Holding Ltd.	648,259	$34M
Fjarde Ap-Fonden /Fourth Swedish N	321,037	$17M
Gateway Investment Advisers Llc	320,122	$17M
Wealth Enhancement Advisory Servic	280,689	$10M
Douglas Lane & Associates, Llc	280,511	$15M

EDGAR 13F holdings as of 2026-09-30; filer values normalized to dollars.

2.9 · Top ETF & Fund Ownership

Fund	Weight	Position
VITSX	0.1%	$1.3B
VTI	0.1%	$1.3B
VTSAX	0.1%	$1.3B
VSMPX	0.1%	$1.3B
VOO	0.1%	$1.0B
VFFSX	0.1%	$1.0B

13F Filers Holding PYPL — quarterly

Institutional Put/Call — quarterly

Daily short-sale volume as % of volume reported in FINRA's short-sale file — a flow measure, not short interest; dashed = 50-day average.

Latest Session31.2%2026-10-15

20-Day Avg44.6%50-day 44.3%

TrendRising20d vs 50d

By Market CenterQ: 32% · N: 26% · B: 30%latest session

Weekly Notional ($B)

Where PYPL Trades in the Dark

ATS Venue (4-wk)	Shares	Avg trade
Incr Intelligent Cross Llc	17.5M	95 sh
Ubsa Ubs Ats	13.0M	83 sh
Mstx Ms Trajectory Cross (Ats-1)	8.1M	121 sh
Ebxl Level Ats	7.9M	46 sh
Sgmt Sigma X2	6.5M	91 sh
Mlix Instinct X	6.4M	121 sh

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Where a dollar of PayPal Holdings, Inc. revenue goes. All values FY2025 filings, live.

Region	Revenue	Share
UNITED STATES	$18.9B	57%
Countries Other Than US And United Kingdom	$14.3B	43%

PYPL (live moat model)Peer median: SYF · GPN · AFRM · COF · SOFI

Component scores from the live moat model. Peer median illustrative.

Moat score 53/100 — Weak; primary source Efficient Scale.

3.8 · Employees (SEC filings)

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Officer	Title
Jamie S. Miller	Chief Financial & Operating Officer and Executive VP
Frank Keller	President of Checkout Solutions & PayPal
Suzan Bulyaba Kereere	President of Global Markets
Enrique J. Lores	President, Chief Executive Officer & Director

Revenue ($B)

EPS ($) — GAAP diluted actual, street-basis estimate

Actual bars are GAAP diluted EPS from the filed income statement; the lighter forward bars are street-basis consensus. The two are different measures and are not comparable quarter to quarter.

Quarterly EPS — Actual vs. Consensus

Beats (>2%)5 of 6recent quarters

Avg Surprise+7.0%

Next Report2026-10-27

Income Quality1.52OCF ÷ net income

Beat Rate—%0 of 0 quarters

Current Streak0longest 0

Avg EPS Surprise—%median —%

Surprise Trend—last 4 vs prior 4

Period	EPS est.	EPS actual	EPS surprise	Rev est. ($M)	Rev actual ($M)	Rev surprise

Announcement dates to . Consensus as it stood at each report. Revenue surprise shown where both estimate and actual are filed. A beat record is history, not a forecast.

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Profit Margins (%)

Revenue by Segment — Stacked

Live segmentation data.

YoY Growth Heatmap — Income Lines

YoY growth	FY21	FY22	FY23	FY24	FY25
Revenue	+18.3%	+8.5%	+8.2%	+6.8%	+4.3%
Gross profit	+18.8%	-1.6%	-0.5%	+7.0%	+5.5%
Operating income	+29.6%	-10.0%	+31.0%	+5.9%	+13.9%
Net income	-0.8%	-42.0%	+75.5%	-2.3%	+26.2%

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

$B · FY ends	FY21	FY22	FY23	FY24	FY25
Revenue	25.4	27.5	29.8	31.8	33.2
Cost of revenue	11.4	13.7	16.1	17.1	17.7
Gross profit	14.0	13.8	13.7	14.7	15.5
R&D expense	3.0	3.3	3.0	3.0	3.1
SG&A expense	4.6	4.4	3.9	4.1	4.3
Operating income	4.3	3.8	5.0	5.3	6.1
EBITDA	5.6	5.0	6.8	6.7	7.7
D&A	1.3	1.3	1.1	1.0	1.0
Pretax income	4.1	3.4	5.4	5.3	6.3
Income tax	-0.1	0.9	1.2	1.2	1.1
Net income	4.2	2.4	4.2	4.1	5.2
Diluted EPS ($)	3.52	2.09	3.84	3.99	5.41
Diluted shares (M)	1,186	1,158	1,107	1,039	968

Operating CF$6B

CapEx$1B

Free cash flow$6B

SBC$1B

Buybacks$6B

Net cash change$2B

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Balance Sheet — Full

$B	FY22	FY23	FY24	FY25
Cash & equivalents	7.8	9.1	6.6	8.0
ST investments	3.1	5.0	4.3	2.4
Receivables (net)	44.7	46.0	45.6	47.5
Total current assets	57.4	62.6	61.1	59.8
PP&E (net)	1.7	1.5	1.5	1.7
Goodwill + intangibles	12.0	11.6	11.2	11.1
Total assets	78.6	82.2	81.6	80.2
Accounts payable	40.1	42.1	39.9	40.4
Short-term debt	0.0	0.0	0.0	0.0
Deferred revenue	0.0	0.0	0.0	0.0
Total current liabilities	45.0	48.5	48.4	46.4
Long-term debt	10.4	9.7	9.9	10.0
Total liabilities	58.4	61.1	61.2	59.9
Shareholders' equity	20.3	21.1	20.4	20.3

Cash Flow Statement — Full

$B	FY22	FY23	FY24	FY25
Net income	2.4	4.2	4.1	5.2
D&A	1.3	1.1	1.0	1.0
Stock-based compensation	1.3	1.5	1.2	1.0
Working capital change	(0.5)	(1.3)	(0.6)	(1.1)
Operating cash flow	5.8	4.8	7.5	6.4
Capital expenditures	(0.7)	(0.6)	(0.7)	(0.9)
Investing cash flow	(3.3)	0.8	1.6	0.8
Buybacks	(4.2)	(5.0)	(6.0)	(6.1)
Dividends paid	0.0	0.0	0.0	(0.1)
Debt issuance / (repay)	1.8	0.5	(0.1)	0.5
Financing cash flow	(1.2)	(3.0)	(8.3)	(6.0)
Free cash flow	5.1	4.2	6.8	5.6

Balance Sheet Structure ($B)

Cash Generation vs Capex ($B)

Left: what the balance sheet is made of — the gap between the assets bar and the liabilities bar is book equity. Right: whether the capex bar is covered by the operating-cash bar; where it is not, the difference was funded externally and free cash flow goes negative.

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Ratio	FY21	FY22	FY23	FY24	FY25	TTM
PROFITABILITY
ROE	20.0%	11.5%	20.5%	20.0%	25.7%	24%
ROA	5.7%	3.1%	5.3%	5.1%	6.5%	5.9%
ROIC	20.3%	13.9%	23.7%	21.3%	25.4%	14.5%
Gross margin	55.2%	50.1%	46.0%	46.1%	46.6%	45.8%
Operating margin	16.8%	13.9%	16.9%	16.7%	18.3%	18.8%
Net margin	16.4%	8.8%	14.3%	13.0%	15.8%	14.4%
EBITDA margin	22.1%	18.1%	22.9%	21.2%	23.2%	22.7%
FCF margin	21.4%	17.0%	14.2%	21.3%	16.8%	—
VALUATION
P/E	53.57	33.61	15.64	20.82	10.48	10.6
P/B	10.28	4.01	3.16	4.23	2.71	2.6
P/S	8.80	2.95	2.23	2.72	1.65	1.42
P/FCF	41.11	17.40	15.74	12.76	9.85	7.4
EV/EBITDA	39.85	16.21	9.08	12.66	7.07	7.0
EV/Revenue	8.79	2.94	2.08	2.69	1.64	1.6
Earnings yield	1.9%	3.0%	6.4%	4.8%	9.5%	9.66%
FCF yield	2.4%	5.7%	6.4%	7.8%	10.1%	13.58%

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
LEVERAGE & SOLVENCY
Current ratio	1.22	1.28	1.29	1.26	1.29	1.29
Quick ratio	1.22	1.28	1.29	1.26	1.29	1.29
Debt / equity	0.42	0.51	0.46	0.48	0.49	0.72
Debt / assets	11.9%	13.2%	11.8%	12.1%	12.5%	17.2%
Net debt / EBITDA	-0.06	-0.09	-0.64	-0.14	-0.06	0.76
Interest coverage	18.67	12.07	16.59	14.95	15.27	—

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Ratio	FY21	FY22	FY23	FY24	FY25	TTM
EFFICIENCY
Asset turnover	0.35	0.36	0.37	0.39	0.41	0.41
Receivables turnover	0.72	0.74	0.77	0.81	0.77	0.7
DSO (days)	510	492	473	451	474	508
DPO (days)	1199	1051	934	873	828	827
Cash conversion cycle	-688	-559	-460	-421	-354	-320
GROWTH (YoY)
Revenue growth	18.3%	8.5%	8.2%	6.8%	4.3%	—
Net income growth	-0.8%	-42.0%	75.5%	-2.3%	26.2%	—
EPS growth	-2.0%	-39.8%	85.2%	4.4%	36.3%	—
FCF growth	11.1%	-14.0%	-9.7%	60.4%	-17.8%	—
PER SHARE ($)
EPS (diluted, TTM)	3.51	2.11	3.92	4.09	5.57	5.48
Book value / share	18.30	17.72	19.42	20.14	21.57	22.15
Revenue / share	21.37	24.05	27.46	31.36	35.33	38.13
FCF / share	4.58	4.08	3.89	6.67	5.93	7.36
Cash / share	7.91	9.49	12.97	10.67	11.10	12.58
SHAREHOLDER RETURN & SCORES
Buyback yield	1.5%	5.2%	7.5%	7.0%	11.0%	15.56%
Altman Z-Score	3.46	1.87	1.85	2.12	2.01	1.9
Piotroski F-Score	5	6	8	6	7	7/9
Beneish M-Score	-2.37	-2.57	-2.45	-2.70	-2.50	-2.60

Model	Score	Zone	Note
Piotroski F-Score	7 / 9	Strong
Altman Z-Score	1.9	Grey zone	Grey
Income quality	1.52	Cash-backed	OCF ÷ net income
Beneish M-Score	-2.60	Non-manipulator	vs −2.22 threshold

DuPont Decomposition (TTM)	Value
Tax burden	0.84
Interest burden	0.87
Operating margin	19.8%
Asset turnover	0.42×
Financial leverage	4.06×
= ROE	24%

Growth Quality (live)	Value
Revenue stability	0.99
Earnings stability	0.17
Earnings persistence	0.98
Revenue CAGR 3y	6.1%
EPS CAGR 3y	14.1%
FCF CAGR 3y	26.9%

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Buyback Yield15.56%

Dividend Yield0.99%

Total Shareholder Return16.28%cash yield

SBC / Revenue2.9%dilution pressure

Company	Mkt cap	P/E	ROE	Net margin	Rev growth	Piotroski	1-yr ret
SYF	$24.0B	7.5	21%	18.9%	-2.4%	7/9	+5.3%
GPN	$22.1B	-21.5	-4%	-0.3%	+14.8%	2/9	+1.3%
AFRM	$22.0B	13.0	45%	—	+29.8%	6/9	+7.2%
COF	$123.8B	12.5	9%	15.2%	+36.7%	7/9	-0.3%
SOFI	$18.8B	28.5	7%	10.0%	+34.2%	5/9	—
ALLY	$11.5B	8.8	10%	10.1%	+2.0%	7/9	—
AXP	$211.8B	19.0	34%	14.4%	+9.4%	9/9	—
FCFS	$9.3B	24.5	17%	8.7%	+21.6%	7/9	—

1-yr returns computed from adjusted price history; peers without a tracked series show —.

Hold

70 Analysts

Str Sell (0)Sell (3)Hold (42)Buy (25)Str Buy (0)

Mean Target (qtr)$56.6721 targets

Target vs. Price-0.1%last-quarter mean

Next Report2026-10-27street $1.31

Consensus estimates	Revenue mean	High / Low	EPS mean	High / Low	# EPS est.
FY2026	$34.75B	$35.06B / $34.28B	$5.39	$5.54 / $5.23	27
FY2027	$36.26B	$36.90B / $35.64B	$5.78	$6.06 / $5.54	27
FY2028	$37.91B	$39.94B / $36.17B	$6.27	$7.17 / $5.36	18

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Street Price Target — Trajectory

Window	Avg Target	vs. Price	# Targets
Last Month	$55.50	-2.1%	2
Last Quarter	$56.67	-0.1%	21
Last Year	$58.01	+2.3%	71
All Time	$100.52	+77.3%	233

Rolling mean of published targets vs. last close $56.70. Aggregated from StreetInsider, Benzinga, Pulse 2.0.

Third-Party Composite Rating

A

DCF

4/5

ROE

5/5

ROA

5/5

Debt/Eq

3/5

P/E

4/5

P/B

2/5

Independent quant composite as of 2026-10-16; components scored 1–5 (5 best). Shown for contrast with the InsiderStreet Score — methodologies differ.

PYPL -14.0% vs S&P 500 +15.9% — spread -29.8pp

Sector — XLF +7.2%

Peer Set — indexed to 100

All series indexed to 100 at the start of the window, adjusted closes.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Candlesticks with SMA 20/50 overlay, Bollinger (20,2σ) band, volume, and Wilder RSI(14) — computed from live daily OHLCV.

Moving Average	Value	Distance	% Distance	Signal
SMA 20	$54.45	+2.25	+4.13%	Above
SMA 50	$56.06	+0.64	+1.14%	Above
SMA 200	$50.00	+6.70	+13.40%	Above
EMA 9	$55.85	+0.85	+1.52%	Above
EMA 21	$55.12	+1.58	+2.87%	Above
EMA 50	$54.66	+2.04	+3.73%	Above
EMA 200	$53.85	+2.85	+5.29%	Above

Series and readings from the nightly technical-indicator history — identical data to the site's ribbon chart. Supertrend segments colored by direction.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

TECHNICAL VERDICTBULLISHPower Score +7120 of 22 indicator votes bullish

Family Scores (site weights)

Trend 30%100

Momentum 25%82

Volume 20%88

Volatility 10%100

Patterns 15%50

This Week100% bullishof 11 price-based votes

4 Weeks Ago27%+73 pts since

12 Weeks Ago91%+9 pts since

ReadImprovingweek-over-week trajectory

Price vs SMA 20$54.45

Price vs SMA 50$56.06

Price vs SMA 200$50.00

EMA 9/21 Cross55.9/55.1

SMA 50/200Golden

ADX DirectionADX 23

Supertrend$53

Parabolic SAR$53

SMA Slope0.210

RSI59.9

Stochastic K/D90/94

StochRSI K/D94/97

Williams %R-20

CCI148

TSI vs Signal9.2

CMO19.7

ROC7.39%

OBV SignalAccum

Chaikin MF0.240

MFI64

Force Index2M

Elder Ray Bull2.68

RSI (14)30 oversold · 70 overbought

Stochastic %Kvs %D 94

Money Flowvolume-weighted RSI

ADXtrend strength · <20 weak

Williams %Rinverted scale

Level	Value	Level	Value
Pivot / R1 / R2	$56.63 / $57.75 / $58.34	S1 / S2	$56.04 / $54.92
Bollinger (20,2)	$51.47 – $57.43	Squeeze	Off
52-wk range	$38.34 – $79.04	Off 52-wk high	-28.3%
ATR (14)	$1.34 (2.4%)	Historical vol	24.5%

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

+1.5%Jan64%

-5.7%Feb45%

-1.0%Mar45%

+3.9%Apr60%

+2.2%May50%

+1.7%Jun70%

+5.1%Jul64%

+1.5%Aug73%

-2.4%Sep27%

+0.1%Oct55%

+0.2%Nov55%

-0.0%Dec55%

Sample: 11 years — treat short histories as suggestive, not statistical.

Computed from live weekly prices	PYPL	S&P 500
Weekly volatility (σ, 1y)	6.66%	1.83%
Best / worst week (1y)	+24.7% / -24.1%	—
Max drawdown (5y, monthly)	-85.5%	—
1-week VaR (95%)	-11.1%	—
Beta (5y)	1.29	1.00

PYPL EQUITY WEATHER (LIVE)PARTLY CLOUDY · +25

Trend+40

Momentum+54

Volume+54

Volatility-60

Breadth-23

MARKET REGIME (2026-10-16)NEUTRAL

VIX19.99Normal

Dow TheoryConfirmed Bearish

SPY / QQQ TSI7.2 / 4.7trend strength

Sector Strength46/100breadth average

Average sentiment of 746 stories, weekly buckets, −1 to +1.

This space intentionally left blank — the next section begins on the following page

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Overall+25.0+45.7 vs industry

Trend+39.6+67.4 vs industry

Momentum+54.3+66.4 vs industry

Volume+53.8+78.8 vs industry

Reading	PYPL	Financial - Credit Services n=681	Financial Services n=24,134	All US symbols n=70,435
Overall	+25.0	-20.7	-16.3	-20.5
Trend	+39.6	-27.8	-12.5	-21.3
Momentum	+54.3	-12.0	-4.4	-15.8
Volume	+53.8	-25.0	+0.0	-3.8

Trend, momentum and volume are computed per company. Volatility and breadth are market-regime values shared by every symbol in the universe, so they are reported once under Market Regime rather than compared here - a company cannot differ from its sector on a constant.

Executive	Total comp	Structure
Alex Chriss Former President and Chief Execu	$25.2M	93% equity+incentive
Jamie Miller EVP, Chief Financial and Operat	$14.0M	94% equity+incentive
Michelle Gill EVP, General Manager, Small Bu	$13.0M	94% equity+incentive
Frank Keller EVP, General Manager, Large Ent	$13.0M	94% equity+incentive
Diego Scotti EVP, General Manager, Consumer	$13.0M	94% equity+incentive

Pillar (live disclosure scores)	Score
Environmental	48
Social	55
Governance	58
Composite ESG	54

Composite ESG Trend

Filed	8-K contents	Items
2026-07-28	Earnings Release; Exhibits	2.02,9.01
2026-05-21	Officer/Director Change; Shareholder Vote; Exhibits	5.02,5.07,9.01
2026-05-15	Other Events; Exhibits	8.01,9.01
2026-05-05	Earnings Release; Exhibits	2.02,9.01
2026-04-30	Officer/Director Change; Regulation FD; Exhibits	5.02,7.01,9.01
2026-03-25	Officer/Director Change; Exhibits	5.02,9.01
2026-02-03	Departure/Election of Directors; Appointment of Officers; Regulation F	5.02,7.01,9.01
2026-02-03	Results of Operations and Financial Condition; Financial Statements an	2.02,9.01

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Methodology. Every figure originates in InsiderStreet's production data layer and is computed deterministically by the same engines that power insiderstreet.ai. This factsheet contains no model-written text. Sections without underlying data are omitted rather than estimated.

DISCLOSURES. This document is produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation tailored to any person. Data is sourced as of the dates shown and may no longer be current. InsiderStreet.ai is not a registered investment adviser or broker-dealer. Investing involves risk, including loss of principal. Past performance does not guarantee future results. Do not make any investment decision based on this document. © 2026 InsiderStreet.ai — all rights reserved. Redistribution prohibited.

Data domain	Source	Coverage for this report
Price & volume	market_db.historical_prices	52 rows
Fundamentals	income_statements_annual	6 rows · 2020 to 2025
Reported vs consensus	fact/earnings_calendar	24 rows · 2020-07-29 to 2026-05-05
Analyst estimates	dim/forward_estimates	3 rows · 2026-12-31 to 2028-12-31
Institutional ownership (13F)	holdings_db.institutional_ownership_summary	49 rows · 2006 to 2026
Insider transactions (Form 4)	edgar/form4	12 rows · 2026-09-15 to 2026-10-15
Proposed sales (Form 144)	edgar/form144	1 record
Beneficial ownership (13D/G)	edgar/13dg	2 rows · 2026-01-30 to 2026-04-30
Short-sale volume (FINRA)	edgar/short_volume_daily	60 rows · 2026-07-23 to 2026-10-15
Dark pool (ATS, tier 1)	edgar/darkpool_weekly	12 rows · 2026-06-15 to 2026-08-31
ETF & fund holding	etf_holdings_changelog (30d)	1 record
Peer set	stock_peers_dynamic	8 rows
Industry medians	industry_medians	1 record
Congressional trades	congress_db (House + Senate)	1 record
ESG	fact/esg_disclosures	1 record

Method. Every figure in this factsheet is looked up from a named field computed in code. It contains no model-written text.

Not covered. Short interest as a percent of float and days-to-cover are not in this data set — the short-sale figures above are FINRA volume, a flow, and cannot support squeeze or covering analysis. Options positioning and intraday data are also absent. 13F ownership is filed 45 days after quarter end and congressional trades are disclosed on a lag, so both describe a past position, not a current one.

PayPal Holdings, Inc. (PYPL)

Score Breakdown

Peer Comparison — IS Score

IS Score Trend — quarterly

PayPal Holdings, Inc. (PYPL)

PayPal Holdings, Inc. (PYPL)

Institutions holding — 12 quarters

PayPal Holdings, Inc. (PYPL)

Monthly Net Insider Flow (000 shares)

Signal Summary

PayPal Holdings, Inc. (PYPL)

2.8 · Largest Reporting 13F Managers

2.9 · Top ETF & Fund Ownership

13F Filers Holding PYPL — quarterly

Institutional Put/Call — quarterly

Where PYPL Trades in the Dark

PayPal Holdings, Inc. (PYPL)

3.8 · Employees (SEC filings)

PayPal Holdings, Inc. (PYPL)

PayPal Holdings, Inc. (PYPL)

PayPal Holdings, Inc. (PYPL)

PayPal Holdings, Inc. (PYPL)

Balance Sheet — Full

Cash Flow Statement — Full

PayPal Holdings, Inc. (PYPL)

PayPal Holdings, Inc. (PYPL)

PayPal Holdings, Inc. (PYPL)

PayPal Holdings, Inc. (PYPL)

Street Price Target — Trajectory

Third-Party Composite Rating

PayPal Holdings, Inc. (PYPL)

PayPal Holdings, Inc. (PYPL)

Family Scores (site weights)

PayPal Holdings, Inc. (PYPL)

PayPal Holdings, Inc. (PYPL)

PayPal Holdings, Inc. (PYPL)