RBC Capital maintains PayPal stock Outperform with $104 target

Published 26/02/2025, 16:32
RBC Capital maintains PayPal stock Outperform with $104 target

On Wednesday, RBC Capital Markets reiterated their positive stance on PayPal Holdings Inc . (NASDAQ:PYPL), maintaining an Outperform rating and a $104.00 price target for the company’s shares. Currently trading at $73.38 with a market capitalization of $72.5 billion, InvestingPro analysis suggests the stock is trading below its Fair Value, presenting a potential opportunity for investors. The firm’s analysts highlighted PayPal’s mid-term growth trajectory, emphasizing the company’s transformation efforts that are expected to unlock accelerated growth in total payment volume (TPV) and adjusted earnings per share (EPS). The company has demonstrated solid performance with a 6.81% revenue growth and maintains a healthy P/E ratio of 18.29. InvestingPro data reveals management has been actively buying back shares, signaling confidence in the company’s future prospects.

According to RBC Capital, PayPal’s management has provided investors with a detailed outlook on several key themes that are anticipated to drive the company’s growth. These include a significant increase in the penetration of PayPal’s modern checkout offerings, expected to rise from 30% currently to 80% globally by the fiscal year 2027. Additionally, the firm pointed to PayPal’s buy now, pay later (BNPL) services and the Pay with Venmo feature as key contributors to the branded checkout acceleration.

The analysis also touched on PayPal’s efforts to scale its omnichannel presence and enhance Venmo’s features, including both debit and near-field communication (NFC) capabilities. RBC Capital sees these initiatives as instrumental in the company’s growth strategy.

Moreover, the firm anticipates that PayPal will drive profitability in its payment service provider (PSP) business through value-added services and by repricing large enterprise merchants. This repricing is expected to positively impact the company’s financials starting in the fiscal year 2026.

The RBC Capital analysts’ commentary underscores their belief in PayPal’s potential for sustained growth and profitability over the coming years, backed by strategic initiatives and market penetration efforts. With analyst targets ranging from $70 to $125 and an overall "Good" financial health score from InvestingPro, investors seeking deeper insights can access comprehensive analysis and additional ProTips through PayPal’s detailed Pro Research Report, available exclusively to subscribers.

In other recent news, PayPal Holdings Inc. outlined ambitious growth plans during its Investor Day, highlighting a strategic shift towards becoming a broader commerce platform. The company reaffirmed its financial guidance for 2025 and introduced new targets for 2027, anticipating high single-digit growth in transaction margin dollars and low teens growth in non-GAAP earnings per share. PayPal announced the launch of PayPal Open, a unified merchant offering, and revealed a strategic partnership with Verifone to enhance its omnichannel payment solutions. Additionally, PayPal plans to expand its Fastlane checkout service internationally, in collaboration with J.P. Morgan Payments. Analysts have responded with varied ratings; Keefe, Bruyette & Woods reiterated an Outperform rating, while Bernstein maintained a Market Perform rating, citing potential growth and challenges. TD Cowen kept a Hold rating and an $83 price target, expressing optimism about the company’s financial outlook. These developments signal PayPal’s commitment to expanding its market presence and adapting to the evolving digital payments landscape.

This article was generated with the support of AI and reviewed by an editor. For more information see our T&C.

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