PayPal stock forecast 2025-2050: Third-party PYPL price target

Softening e-commerce and macroeconomic headwinds could cloud future of fintech leader

By Dan Mitchell5 hours ago Updated

PayPal stock forecast 2025-2050: Third-party PYPL price target — PayPal is operating in a market where tech growth stocks are being dumped – Photo: rafapress / Shutterstock.com

The stock remains well below its 2021 peak, while recent developments and steady trading volumes have kept PayPal in focus.

Where could PYPL go next? In this article, we review a range of third-party PayPal stock forecasts for 2025-2050, and the main factors that could shape its price movements.

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Current PYPL price and market position

PayPal Holdings (PYPL) is a global payments provider, enabling digital and mobile transactions for individuals and businesses in nearly 200 markets. Founded in 1998, PayPal built its reputation on secure online payments and quickly gained the attention of e-commerce users worldwide.

In February 2002, PayPal went public on the Nasdaq Stock Market under the ticker ‘PYPL’. Later that year, it was acquired by eBay, where it operated as a subsidiary for more than a decade before regaining independence. In July 2015, PayPal was spun off from eBay and resumed trading as an independent, publicly listed company – a move that accelerated product innovation and global expansion.

As of August 2025, PayPal’s ecosystem includes a broad suite of services, such as Venmo, Braintree, Xoom and Honey. Recent developments feature the expansion of ‘Pay with Crypto’ to more US businesses, along with the rollout of buy now, pay later (BNPL) services in over 15 countries.

Past performance is not a reliable indicator of future results.

PYPL stock price history

PayPal’s (PYPL) share price closed at $69.05 on 19 August 2025, which is broadly unchanged from $69.43 at the same time last year. The year began on a stronger note, with PYPL opening at $85.84 in January, but the shares have since declined by around 19% year to date. Over the past 12 months, the price has moved between a 52-week high of $93.66 and a low of $55.85. Looking further back, the 10-year high remains $310.16 from July 2021, while the 10-year low of $30.00 was recorded in August 2015. As of the latest close, PayPal’s market cap was approximately $66.01bn.

PayPal stock forecast for 2025 and beyond

As of 20 August 2025, third-party analysts offered a mixed outlook for the PayPal (PYPL) stock forecast. Trading Economics projected that PayPal shares would end the current quarter at $68.18, decreasing to $65.12 over the next 12 months.

Consensus PYPL price targets

The broker consensus remained cautious. A MarketBeat survey of 33 analysts returned an average ‘hold’ rating, with a mean price target of $85. The range spanned from $56.00 to $107.00. TipRanks, which compiled the views of 24 analysts, reported a ‘moderate buy’ consensus and an average 12-month PYPL stock forecast of $82.89, with estimates ranging between $62.00 and $105.00.

PayPal technical analysis

For a technical snapshot, a TradingView summary of one-month PYPL price indicators showed a bias towards ‘sell’. Of 24 signals, 12 suggested ‘sell’, 10 were ‘neutral’, and two indicated ‘buy’.

Algorithmic PayPal stock price forecast

The CoinCodex PayPal stock forecast for 2025 indicated an average price of $58.61, with a high of $73.90 and a low of $46.66. Looking further out, its model signalled a steady decline in value, with PYPL stock price targets falling to $17.26 in 2027, $17.77 in 2028, and $6.35 by 2030. Its PayPal stock predictions pointed to a continued downtrend over the next decade, although these figures highlight the inherent uncertainty of long-range forecasting.

Past performance is not a reliable indicator of future results. Analyst predictions can be inaccurate, rely on historical data, and should not replace independent research. Always conduct thorough due diligence before trading, and never invest more than you can afford to lose.

PYPL predictions: Analysts’ outlook

As of 20 August 2025, third-party analysts set a range of 12-month price targets for the PayPal (PYPL) stock forecast:

Barclays: set a $90 price target with a ‘buy’ rating.
JP Morgan: raised its target to $85 from $75, maintaining its ‘buy’ rating.
Morgan Stanley: targeted a $75 PYPL share price and issued a ‘hold’.
Macquarie: kept an $85 price target, also recommending a ‘buy’.
RBC Capital: assigned an $88 price target, with a ‘buy’ rating.

Motley Fool analyst Leo Sun observed: ‘The company's near-term growth should be driven by new tools like PayPal Open, which bundles its payments, financial services, and risk management tools in a unified platform; PayPal World, which is cross-compatible with other popular overseas payment platforms; Pay With Venmo, which is integrated into more physical and online stores, and its streamlined Fastlane checkout service. The expanded use of its own stablecoins and fresh AI features could also lock in more users.’

Morningstar maintained its fair value estimate at $94, with senior equity analyst Brett Horn pointing to ongoing margin improvements and steady payment volume growth, despite mixed quarterly results. In the latest earnings, PayPal reported a 5% year-on-year increase in total payment volume and stronger transaction margin growth. However, management highlighted continued pressure from tariff-related impacts and noted that Braintree volumes remained flat. Morningstar concluded that the company’s competitive position remains solid and the focus on profitable growth is appropriate.

What could influence PayPal’s share price?

PayPal’s share price is influenced by a range of factors, from quarterly earnings to shifts in the digital payments landscape. Here’s what traders may monitor:

Financial performance and earnings

Positive earnings surprises, margin improvements or raised guidance can support market expectations for the PayPal share price. Missed targets, slowing payment volumes, or a weaker outlook may put pressure on the share price.

User growth and transaction volumes

Increases in active accounts and payment volumes are generally seen as supportive for the share price, with the potential to influence sentiment positively. In contrast, stagnant or declining metrics could signal market saturation or heightened competition, which may weigh on investor sentiment.

Competitive environment

Maintaining an edge through innovation or partnerships can support PayPal’s market position. However, rising pressure from competitors such as Block (formerly Square), Stripe, Apple (Apple Pay), and local providers may limit growth or erode market share, with potential knock-on effects for the PYPL share price.

Macroeconomic conditions

Consumer spending patterns play a key role in transaction volumes. Economic growth and supportive interest rate conditions could boost results, while downturns, inflation, or rising rates may dampen payment activity and affect profitability.

Regulation

A predictable regulatory environment can facilitate smoother expansion and help lower compliance costs. Increased scrutiny, changes to payments rules or data privacy laws, on the other hand, could result in higher costs, fines, or restrict international operations.

Strategic moves

Acquisitions, partnerships or new service launches may open additional revenue opportunities and influence investor sentiment. Conversely, costly integrations or unsuccessful ventures may affect earnings and sentiment.

News flow and market sentiment

Product launches, leadership changes, or high-profile deals can drive positive momentum. Negative headlines – such as security incidents, management changes or major client losses – may lead to heightened volatility or downward movements in the PayPal share price.

When you trade PYPL shares with us, you’re using contracts for difference (CFDs). CFDs are derivatives that allow you to speculate on price movements in either direction, without owning the underlying asset. CFDs are traded on margin, meaning leverage above 1:1 can amplify both profits and losses, making leveraged trading risky.

Trade PayPal share CFDs with Capital.com.

PYPL shares trading strategies to consider

There’s no single way to trade PayPal (PYPL) share CFDs. Your approach may depend on your time horizon, risk appetite and interpretation of the latest PayPal stock forecast.

Day trading: a short-term strategy, with trades typically opened and closed within the same day. Day traders seek to benefit from small, quick moves in the PYPL stock price.
Swing trading: involves holding positions for a few days to several weeks. Swing traders aim to capture price swings by identifying patterns or momentum shifts.
Position trading: a longer-term style. Position traders may hold PYPL trades for several months, aiming to follow major trends and fundamental developments.
Trend trading: rather than focusing on time, trend traders look for a clear direction in the PYPL stock price. They aim to join established moves, using technical indicators to determine entry and exit points.

Discover more approaches on our CFD trading strategies page.

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FAQ

Where can I buy PYPL stock?

You can access PayPal (PYPL) shares on the NASDAQ under the ticker ‘PYPL’. Major brokers and trading platforms with access to US markets will offer the stock. Alternatively, you can trade contracts for difference (CFDs) on the PYPL share price.

Is PYPL a good stock to buy?

Whether PYPL is suitable depends on your trading objectives and risk appetite. Analyst opinions on the PayPal stock outlook vary, with forecasts and recommendations differing across providers. Factors to consider include recent product developments, regulatory updates, and broader sector trends. Conduct independent research and ensure your approach aligns with your risk management approach, individual preferences, and financial goals.

Could PYPL rise or fall?

PayPal’s share price can move in response to product launches, earnings results, industry news, and broader macroeconomic factors. Upside drivers may include successful new products or stronger-than-expected payment volumes, while negative news or increased competition could exert downward pressure.

Should I trade or invest in PYPL?

Trading PYPL CFDs may suit those seeking flexibility to react to short-term price movements, without owning the underlying shares. However, CFDs involve leverage and the potential for rapid losses, which may not suit all traders.