PYPL (PYPL)

Secondary decision view: valuation · portfolio context · the data you need before acting on a single-source signal.
Avoid rule-based

PYPL shows risk signals — avoid for now.

Verdict bucket from deterministic rule (validation / floor distance / risk alerts). LLM narration only — never picks the bucket.

BUY-ZONE DECISION rule signal

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RULES & ALERTS FIRING

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VALUATION

Undervalued
🔥 Extreme-low valuation flag — historical bands suggest this ticker is unusually cheap relative to its own 5-year range.
Trailing P/E
10.6
5-yr percentile: 5%
P/B
2.5
5-yr percentile: 5%
p10
14.2
p25
17.3
p50
44.1
p75
54.3
p90
67.6
Sufficient earnings data; P/E historical percentile directly measures overvaluation or undervaluation

Floor Engine

Using P/B USD 56.15 Confidence low
PB medium
USD 47.17
P/B reverts to historical 10th-percentile (asset-driven businesses)
Bank/insurance — P/B + ROE model applies, EBIT-based valuation does not
BOOK VALUE medium
USD 22.45
Book-value floor (financials; profitable banks shouldn't trade below book long-term)

YOUR WATCHLIST CONTEXT

○ anonymous
What you'll see after sign-in
Your floor
$XXX.XX
Your golden
$XXX.XX
Market
XXX

· Your personal floor / golden price overlay on the live price

· Per-ticker rule alerts when this stock crosses your thresholds

· Position P&L overlay — what this ticker means inside your full portfolio

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IMPLIED VOLATILITY

CURRENT IV 53.3% HV (30D) 53.3% IV RANK (1Y) 85 HIGH
IV vs HV · last 1 year

Earnings Reactions

PYPL
8 earnings events · last 2 years
Avg Gap%
-4.23%
Avg Day%
-4.90%
Up Hit Rate
38%
Next Earnings · est.
2026-07-28
in 3d
24-07
24-10
25-02
25-04
25-07
25-10
26-02
26-05
Bar height = |Gap%| normalized to the period max. Green = up, red = down.
Date Time EPS Surprise Gap% Day% Week%
2026-05-05 BMO 1.34 +5.6% -9.96% -7.74% -9.82%
2026-02-03 BMO 1.23 -4.4% -18.05% -20.31% -20.71%
2025-10-28 BMO 1.34 +11.1% +8.48% +3.94% -5.94%
2025-07-29 BMO 1.40 +8.0% -8.30% -8.66% -13.28%
2025-04-29 BMO 1.33 +14.5% +2.22% +2.14% +4.81%
2025-02-04 BMO 1.19 +6.0% -8.10% -13.17% -14.86%
2024-10-29 BMO 1.20 +12.2% -6.64% -3.96% -5.19%
2024-07-30 BMO 1.19 +20.6% +6.51% +8.59% +6.46%

Is PYPL (PYPL) overvalued right now?

PYPL (PYPL) is currently trading at a trailing P/E of 10.6, sitting at the 5th percentile of its 5-year valuation history. A high percentile suggests the market is pricing the stock above its own historical norm — useful context before sizing a new position or selling premium against it.

PYPL (PYPL) — what's the SELL PUT risk profile?

Selling cash-secured puts on PYPL (PYPL) is a common income strategy, but the right strike depends on your floor price (the level you'd happily own at) and the option chain's buffer/APY tradeoff. The full ladder view (deferred to a future release) ranks candidates by buffer percentage first, then APY — see the option ladder methodology for why buffer matters more than yield in this strategy.

PYPL (PYPL) — which option strategy fits your view?

If you're bullish long-term but cautious near-term on PYPL (PYPL), SELL PUT into your floor zone collects premium while waiting for a better entry. If you already own it and are neutral-to-mildly-bullish, COVERED CALL caps upside but harvests time decay. The wrong strategy on the right ticker still loses money — match the trade to your view, not the other way around.

PYPL (PYPL) — is now a good entry?

Entry timing on PYPL (PYPL) is a function of your floor price (hard buy zone) and golden price (back-the-truck-up zone). Both are personal — set them in your watchlist and we'll alert you when the market hits either level.

FAQ

Why does PYPL show different P/E numbers on different sites?

Different data providers use different earnings windows (TTM vs forward, GAAP vs adjusted) and update at different cadences. We surface trailing P/E with a 5-year percentile rank to give context — a P/E of 30 is hot for one stock and cold for another.

Does this page show PYPL's implied volatility?

Not on this v0 page — the dedicated volatility tool covers IV with multi-source voting (IBKR + Polygon + yfinance). For pure IV lookup, use /tools/volatility. This page is for decision-stage queries that pull together valuation + portfolio context.

How is this different from Yahoo Finance or 雪球's PYPL page?

Those sites are great for raw data discovery — last price, news, headline P/E. This page is built for the second look: you've already seen a single-dimension signal somewhere else, now you need multi-dimensional decision context (your floor, the valuation percentile, your portfolio overlay) in one view, not five tabs.