Over the past week, PayPal Holdings (PYPL) has received mixed evaluations from financial analysts:

- **January 30, 2025**: BTIG analyst Lance Jessurun maintained a "Neutral" rating on PayPal, expressing caution ahead of the company's fourth-quarter earnings report scheduled for February 4. Jessurun highlighted uncertainties surrounding PayPal's growth outlook and noted that while the company has shown signs of adjusting pricing and returning branded products to positive growth, significant margin improvements may not materialize until the latter half of 2025.

- **January 28, 2025**: KeyBanc analysts, led by Alex Markgraff, rated PayPal at "Sector Weight" and cautioned that the company's financial guidance could disappoint. They expect management's forecast for transaction margin growth to be in the mid-single digits, partly due to challenges with foreign exchange rates. The performance of PayPal's branded checkout business during the holiday season was also highlighted as a focal point.

As of January 30, 2025, PayPal's stock is trading at approximately $90.10, reflecting a 1.51% increase from the previous close. Analysts maintain a consensus "Moderate Buy" rating, with an average 12-month price target of around $89.48, suggesting a potential downside of about 0.69%.

These assessments indicate a cautious optimism among analysts, balancing PayPal's growth initiatives with concerns about competitive pressures and market dynamics.