PayPal Holdings Inc HQ photo-by bennymarty via iStockSan Jose, California-based PayPal Holdings, Inc. (PYPL) operates a technology platform that enables digital payments on behalf of merchants and consumers. Shares of this fintech giant have notably underperformed the broader market over the past year. In 2026, PYPL stock is down marginally, compared to the SPX's 8.5% rise on a YTD basis. Among the 45 analysts covering PYPL stock, the consensus is a "Hold." This configuration is less bearish than a month ago, with five analysts suggesting a "Strong Buy," and four recommending a "Strong Sell."