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PayPal PYPL

equity

Price History

$31.04$117.85$204.67$291.48
2015-07 · DCA start$38.7

Time underwater

How far below its previous all-time high the price sat, each month. 0% means a new high.

-85.2%-56.8%-28.4%0.0%
2015-072026-08 · -79.7%

Worst drawdown: −85%, peaking Jun 2021 and bottoming Jun 2026 — still unrecovered after 62 months.

DCA Backtest

Invested
$13,400
Value today
$11,341
Return
-15.4%
Months invested
134

Scenarios

Inflation — the same contributions merely keeping pace with CPI would be $16,296 today, so the real (inflation-adjusted) return is -30.4%.

Lump sum instead — $13,400 all at once in Jul 2015: $20,498 (+53.0%) — lump sum came out ahead.

Worst timing — same monthly amount started at the all-time high (Jun 2021): $5,068 on $6,300 invested (-19.6%).

⚠ 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.

JFMAMJJASOND
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
Legend:−50%−20%0%+50%+200%+1000%worst timing (ATH)Selected 2015-07: -15.4%

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 $50.6B.

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

Medium-High Risk(2.4/5)80% rated

How these ratings work

Market / Volatility3.7/5 · weight 20%
  • Annualised volatility (3yr)3/533.1
  • Max drawdown from ATH5/585.2
  • Beta vs S&P 5003/51.2
Liquidity1.0/5 · weight 15%
  • Avg daily $ volume1/5853.7m
  • Float % of shares outstandingnot yet researched
Leverage / Financial1.0/5 · weight 20%
  • Debt / equity1/50.77
  • Interest coverage (EBIT / interest)not yet researched
Earnings Quality3.0/5 · weight 15%
  • 3yr EPS volatility3/522.4
Concentrationunrated · weight 10%
  • Largest customer, % of revenuenot yet researched
  • Geographic revenue concentrationnot yet researched
Governanceunrated · weight 10%
  • Board independence %not yet researched
  • Share structurenot yet researched
  • Litigation / audit historynot yet researched
Sector / Regulatory4.0/5 · weight 10%
  • Sector regulatory exposure4/5high

Linked Assets

Same sector, or return-correlated — worth knowing what else might move if this one does.