Should I buy PayPal (PYPL) stock or is it too late?

PayPal · Financials · price $56

⭐ What the most reliable analysts say · those who beat their sector, targets replayed on real prices

⭐ The most reliable of them, either direction: Truist Securities — 77% of its targets hit on this sector (133 calls tested). It aims for $53 (-5.6 %), call made on September 1, 2026, maturing on September 1, 2027 (43 d ago).

The 13 reliable analysts $59+5.0 %

The 7 other firms $55-2.1 %

How to read it: the 13 reliable firms are not filtered by optimism — 9 aim above the price, 4 below, hence their $59 median. “The 7 others” are the firms that don't pass our reliability filter on this sector.

Firm-by-firm track record on PayPal

Here the hit rate is measured <b>on this stock specifically</b> (matured targets replayed against real prices, minimum 5 calls tested) — the green block above measures reliability <b>across the whole sector</b>, which is the criterion behind JPI selections. “Aims for” = the firm's most recent target on this stock; “—” means it hasn't published one recently.

Firm	% right	Gain vs sector	Calls	Aims for
B of A Securities	62 %	+24.7 %	13	$55 -2%
BMO Capital	64 %	+18.4 %	14	$56 +0%
Keefe, Bruyette & Woods	67 %	+17.6 %	6	$70 +25%
Citigroup	65 %	+17.5 %	20	$61 +9%
Truist Securities	50 %	+14.6 %	6	$53 -6%
Keybanc	61 %	+14.1 %	28	$100 +78%
Baird	56 %	+13.5 %	9	$57 +1%
Piper Sandler	33 %	+7.6 %	6	$59 +5%

In short — Should you invest in PayPal? Is it too late, still worth it? Analysts are split (14% buy, median target $58, i.e. +3%), and the most reliable on PYPL targets even higher. We give you both sides, with the numbers — not advice.

✅ Reasons to believe

The most reliable firm on PYPL, Keefe, Bruyette & Woods (67% hit rate, 6 scored calls), targets $70 (call made on July 29, 2026, maturing on July 29, 2027) (+25%) in its most recent call.
Reasonable valuation (P/E ~11) relative to its sector.

⚠️ Reasons to hesitate

The consensus is not unanimous: of 21 ratings, 17 are neutral and 1 is a sell.
Limited upside: the median target is only +3% from the current price.
A 12-month target is not a guaranteed path: the price can fall in the meantime.

The analyst consensus on PYPL

Median target $58 (+3%) · 21 ratings · Hold consensus

Strong Buy00%

Buy314%

Hold1781%

Sell15%

Strong Sell00%

⚠️ Information, not investment advice. Past performance does not guarantee future results. Analyst targets on a ~12-month horizon.

Frequently asked questions

Should you invest in PayPal now?

We won't decide for you. The facts: 14% of analysts rate it a buy, median target $58 (+3%), and Keefe, Bruyette & Woods (most reliable on PYPL, 67%) targets $70. Weigh that against valuation (P/E ~11). This is not personalized advice.

Is it too late to invest in PayPal?

The stated upside is small: the median target ($58) sits just +3% from the price ($56) (most reliable on PYPL: Keefe, Bruyette & Woods, 67%). The real question isn't "too late" but the price-to-value gap and risk. Not advice.

Is PayPal still worth investing in?

It depends on the gap between the price ($56) and its estimated value: analysts target $58 on median (+3%), with 14% buys (most reliable on PYPL: Keefe, Bruyette & Woods, 67%). Cross-check with their real reliability on PYPL and the cautions above. Information, not advice.

What's the main risk in buying PYPL?

The consensus is not unanimous: of 21 ratings, 17 are neutral and 1 is a sell.

→ Go deeper: the full PayPal profile (consensus, analyst reliability, price target, performance).