PYPL

PYPL AI Signal Analysis

Multi-agent conviction signals powered by SEC filings, insider trades, institutional holdings, and earnings data.

Unlock full PYPL analysis View pricing

Signals

Avg conviction

-15

Direction mix

0 bullish1 bearish

May 10, 2026

conviction

Bearish(low)

Short-term bullish options positioning suggests near-term speculative interest in PYPL, but this contradicts fundamental risks (declining margins, management credibility issues) and a concrete policy headwind ($50-150M annual compliance costs from stablecoin regulations). The $66 analyst target implies 45% upside, but structural risks outweigh near-term EPS momentum.

+17

-3

-15

Agent Breakdown

Fundamentals AgentBearish

-40

Recent EPS beats (3.6% last quarter, 3/4 quarters) suggest near-term operational resilience, but management credibility is severely damaged (0/100 score, 0% guidance hit rate) with explicit admission of declining transaction margins. Valuation implies 45% upside from $66 analyst target, but risks from accounting flags (2), 0% similar legal proceedings, and deteriorating call tone (-0.10 vs prior 0.50) outweigh short-term positives.

Sources

ForensicForensic score: 55/100 (2 flags)
Filing ChangeRisk Factors — moderate changes
Filing ChangeBusiness — significant changes
Filing ChangeFinancial Notes — moderate changes
Filing ChangeMda — moderate changes
Filing ChangeLegal Proceedings — major revision
EarningsEPS beat: $1.34 vs $1.29 est (+3.6%)
Analyst TargetAnalyst consensus target: $66
Analyst RatingAnalyst consensus: 0 strong buy, 10 buy, 25 hold, 4 sell, 0 strong sell
Call TranscriptEarnings call sentiment: 0.40, deflections: 2
CredibilityManagement credibility: 0/100

Institutional AgentNeutral

+10

Institutions added 32,893 shares of PYPL in Q1 2026 via a new position, but total value remained flat at $1M (0.0% change), indicating low conviction. Only one institution (Washington Trust Advisors) reported activity, limiting breadth.

Sources

13F HoldingWashington Trust Advisors, Inc. (CIK 0001900099): 32457 shares ($1468K) +32457 [NEW]
13F HoldingWashington Trust Advisors, Inc. (CIK 0001900099): 436 shares ($19K) +436 [NEW]

Options AgentBullish

+65

Bullish positioning dominates with 0.45 put/call volume ratio and $98.4M net bullish sweeps. Low IV30D (30.6%) at 5th percentile suggests underpriced volatility risk, while 30D OI trend shows +9244K call accumulation. Neutral skew and tight IV spreads indicate no near-term fear.

Sources

IV DataIV metrics: 5.0% percentile, IV/HV ratio 0.82

Unlock agent-level analysis

See exactly what each AI agent found — forensic accounting flags, insider clusters, institutional shifts, and more.

Checking access…View pricing

No trade plan available

The system did not produce a valid trade setup for this signal.

Policy linkage: direct company evidenceMechanism quality: specific

Get the full picture on PYPL

Our AI analyst team runs 5 specialized agents on every stock. Unlock detailed breakdowns, trade plans, and real-time alerts.

Start for $9/mo View pricing

Not financial advice. For informational purposes only. Past performance does not guarantee future results.