PayPal PYPL
equity
Price History
The shaded fan is where this price has historically travelled over the months after a close like today’s. It is not a forecast: it has no view on direction, only on distance.
Over 3 months from Sep 2026, roughly two-thirds of past moves landed between $44.4 and $61.87; nine in ten between $39.89 and $68.85.
Tested against this asset’s own history: across 120 past 3-month windows, the price actually landed inside the two-thirds band 63% of the time. The gap from 68% is the model’s error — real returns have fatter tails than the maths assumes, so the band gets breached more often than it claims.
Time underwater
How far below its previous all-time high the price sat, each month. 0% means a new high.
Worst drawdown: −85%, peaking Jun 2021 and bottoming Jun 2026 — still unrecovered after 63 months.
DCA Backtest
- Invested
- $13,500
- Value today
- $10,151
- Return
- -24.8%
- Months invested
- 135
Scenarios
Inflation — the same contributions merely keeping pace with CPI would be $16,461 today, so the real (inflation-adjusted) return is -38.3%.
Lump sum instead — $13,500 all at once in Jul 2015: $18,283 (+35.4%) — lump sum came out ahead.
Worst timing — same monthly amount started at the all-time high (Jun 2021): $4,597 on $6,400 invested (-28.2%).
⚠ Price returns only — dividends are not included. This understates the true return of dividend-paying shares, and any comparison against crypto (which pays no dividends) is biased against equities by roughly the dividend yield, compounded.
If this saved you a spreadsheet — buy me a coffee.
Every start month at once
Each cell is the return-to-date of £/$/€100-a-month DCA started that month. Click a cell to load it in the backtest above. The ringed cell is the all-time-high start — the worst timing scenario.
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About PayPal
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 orders. The company operates as a payment processor for online vendors, auction sites and many other commercial and company user, which involve a fee. (Wikipedia)
It's a listed company categorised under financials and transaction & payment processing services, with a market cap of about $44.8B.
It rates Medium-High Risk at 2.4/5, meaning real but ordinary risk — the kind most mainstream assets carry, with some factors scoring poorly.
What pushes the score up: sector / regulatory (4.0/5) and market / volatility (3.7/5).
Scoring well: leverage / financial at 1.0/5.
Not yet researched: concentration, governance. These are excluded from the score rather than guessed, so the real risk may be higher than what’s shown.
Ratings summarise sourced facts against fixed rules — not investment advice, and no substitute for your own diligence.
Risk Profile
- Annualised volatility (3yr)3/533.2
- Max drawdown from ATH5/585.2
- Beta vs S&P 5003/51.2
- Avg daily $ volume1/5833.0m
- Float % of shares outstandingnot yet researched
- Debt / equity1/50.77
- Interest coverage (EBIT / interest)not yet researched
- 3yr EPS volatility3/522.4
- Largest customer, % of revenuenot yet researched
- Geographic revenue concentrationnot yet researched
- Board independence %not yet researched
- Share structurenot yet researched
- Litigation / audit historynot yet researched
- Sector regulatory exposure4/5high
Linked Assets
Same sector, or return-correlated — worth knowing what else might move if this one does.
- Block, Inc. XYZ+56% (moderate)same category: financials, transaction & payment processing services
- Fidelity National Information Services FIS+53% (moderate)same category: financials, transaction & payment processing services
- Visa Inc. V+53% (moderate)same category: financials, transaction & payment processing services
- Mastercard MA+52% (moderate)same category: financials, transaction & payment processing services
- Global Payments GPN+52% (moderate)same category: financials, transaction & payment processing services
- Corpay CPAY+42% (moderate)same category: financials, transaction & payment processing services
- Jack Henry & Associates JKHY+39% (weak)same category: financials, transaction & payment processing services
- Fiserv FISV+32% (weak)same category: financials, transaction & payment processing services