PayPal Holdings, Inc. PYPL NDXSPX
Company Overview
PayPal Holdings, Inc. operates a technology platform that enables digital payments for merchants and consumers worldwide. The company operates a two-sided network at scale that connects merchants and consumers that enables its customers to connect, transact, and send and receive payments through online and in person, as well as transfer and withdraw funds using various funding sources, such as bank accounts, PayPal or Venmo account balance, consumer credit and debit products, credit and debit cards, and cryptocurrencies, as well as other stored value products, including gift cards and eligible rewards. It provides payment solutions under the PayPal, PayPal Credit, Braintree, Venmo, Xoom, Hyperwallet, Honey, and Paidy names. The company was founded in 1998 and is headquartered in San Jose, California.
Why Investors Should Care
Generates a return on equity of 25.1%, reflecting efficient use of shareholder capital.
Return on capital employed stands at 19.0%.
Net profit has compounded at 29.3% per year over the last five years.
Trades at a P/E of 10.4, below the sector median of 13.5.
Operating margin of 18.0% supports profitability.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $33.17B (+4.3% YoY); net profit $5.23B.
- Trailing 12 Months Year-on-year growth — revenue +7.2%, earnings -6.2%.
- 5-Year Trend Long-term compounding — revenue CAGR 6.4%, profit CAGR 29.3%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 6.43% |
| 1 Year: | 7.20% |
Compounded Profit Growth
| 5 Years: | 29.33% |
| 1 Year: | -6.20% |
Stock Price Performance
| 1 Year: | -24.21% |
| 6 Months: | -2.48% |
| 3 Months: | +16.12% |
| 1 Month: | +33.69% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)80.10 · Overbought
P/E of 10.42 is below the sector median of 13.52 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Strong return on equity of 25.1%.
- Profit CAGR of 29.3% over 5 years.
- Generates positive free cash flow.
CONS
- Trading 28.4% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
- RSI at 80 suggests overbought conditions.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | PYPL PayPal Holdings, Inc. NDXSPX | 55.52 | 10.42 | $48.97B | 1.18% | 18.96% | 25.12% | 6.43% | 29.33% |
| 2 | JPM JPMorgan Chase & Co. SPX | 346.91 | 16.61 | $929.55B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 488.35 | 14.54 | $682.86B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 355.14 | 30.99 | $589.43B | 0.75% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 535.21 | 30.99 | $469.40B | 0.65% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 61.59 | 15.28 | $432.24B | 1.88% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 228.55 | 20.70 | $360.49B | 1.76% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,152.07 | 17.79 | $339.87B | 1.58% | - | 16.95% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 87.51 | 13.53 | $267.80B | 2.11% | - | 12.03% | 4.02% | 15.98% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Jun 2015 | Sep 2015 | Dec 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | 2.98B | 3.14B | 3.24B | 3.74B | 3.69B | 3.86B | 3.68B | 4.23B | 4.13B | 4.30B | 4.38B | 4.96B | 4.62B | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 7.79B | 8.29B | 8.42B | 8.68B | 8.35B |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 4.08B | 4.44B | 4.55B | 4.64B | 4.54B |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 3.72B | 3.84B | 3.87B | 4.03B | 3.81B |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 2.12B | 2.22B | 2.28B | 2.44B | 2.25B |
| Operating Income | 398.00M | 330.00M | - | 407.00M | 371.00M | 348.00M | - | 431.00M | 430.00M | 423.00M | - | 534.00M | 572.00M | 490.00M | - | 518.00M | 705.00M | 697.00M | - | 398.00M | 951.00M | 977.00M | - | 1.04B | 1.13B | 1.04B | 711.00M | 764.00M | 1.12B | 999.00M | 1.13B | 1.17B | 1.17B | 1.32B | 1.39B | 1.60B | 1.62B | 1.59B | 1.59B | 1.56B |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 1.95B | 1.88B | 1.89B | 1.97B | 1.74B |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 103.00M | 114.00M | 113.00M | 111.00M | 111.00M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 1.60B | 1.53B | 1.53B | 1.63B | 1.39B |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 316.00M | 268.00M | 285.00M | 190.00M | 280.00M |
| Net Income | 305.00M | 301.00M | 367.00M | 365.00M | 323.00M | 323.00M | 390.00M | 384.00M | 411.00M | 380.00M | 620.00M | 511.00M | 526.00M | 436.00M | 584.00M | 667.00M | 823.00M | 462.00M | 507.00M | 84.00M | 1.53B | 1.02B | 1.57B | 1.10B | 1.18B | 1.09B | 509.00M | -341.00M | 1.33B | 795.00M | 1.03B | 1.02B | 888.00M | 1.13B | 1.01B | 1.29B | 1.26B | 1.25B | 1.44B | 1.11B |
| Diluted EPS | 0.25 | 0.25 | 0.30 | 0.30 | 0.27 | 0.27 | 0.32 | 0.32 | 0.34 | 0.31 | 0.50 | 0.42 | 0.44 | 0.36 | 0.49 | 0.56 | 0.69 | 0.39 | 0.43 | 0.07 | 1.29 | 0.86 | 1.32 | 0.92 | 1.00 | 0.92 | 0.43 | -0.29 | 1.15 | 0.70 | 0.92 | 0.93 | 0.83 | 1.08 | 0.99 | 1.29 | 1.29 | 1.30 | 1.53 | 1.21 |
| R&D Expense | 202.00M | 197.00M | - | 195.00M | 209.00M | 215.00M | - | 214.00M | 232.00M | 240.00M | - | 258.00M | 255.00M | 269.00M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 6.73B | 8.03B | 9.25B | 10.84B | 13.09B | 15.45B | 17.77B | 21.45B | 25.37B | 27.52B | 29.77B | 31.80B | 33.17B |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | 13.74B | 16.07B | 17.14B | 17.71B |
| Gross Profit | - | - | - | - | - | - | - | - | - | 13.77B | 13.70B | 14.66B | 15.46B |
| Operating Expenses | - | - | - | - | - | - | - | - | - | 9.73B | 8.76B | 8.89B | 9.07B |
| Operating Income | 1.09B | 1.27B | 1.46B | 1.59B | 2.13B | 2.19B | 2.72B | 3.29B | 4.26B | 4.04B | 4.94B | 5.76B | 6.40B |
| EBITDA | - | - | - | - | - | - | - | - | - | 4.99B | 6.83B | 6.74B | 7.70B |
| Interest Expense | - | - | - | - | - | - | - | - | - | 304.00M | 347.00M | 382.00M | 441.00M |
| Pretax Income | - | - | - | - | - | - | - | - | - | 3.37B | 5.41B | 5.33B | 6.29B |
| Tax Provision | - | - | - | - | - | - | - | - | - | 947.00M | 1.17B | 1.18B | 1.06B |
| Net Income | 955.00M | 419.00M | 1.23B | 1.40B | 1.79B | 2.06B | 2.46B | 4.20B | 4.17B | 2.42B | 4.25B | 4.15B | 5.23B |
| Diluted EPS | 0.78 | 0.34 | 1.00 | 1.15 | 1.47 | 1.71 | 2.07 | 3.54 | 3.52 | 2.09 | 3.84 | 3.99 | 5.41 |
| R&D Expense | 727.00M | 747.00M | 792.00M | 834.00M | 953.00M | 1.07B | - | - | - | - | - | - | - |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 21.92B | 28.88B | 33.10B | 40.77B | 43.33B | 51.33B | 70.38B | 75.80B | 78.62B | 82.17B | 78.72B | 80.17B |
| Total Equity | 6.18B | 7.39B | 8.25B | 13.76B | 14.71B | 15.99B | 15.39B | 16.89B | 20.02B | 21.73B | 20.27B | 21.05B | 20.42B | 20.26B |
| Cash & Equivalents | 1.41B | 1.60B | 2.20B | 1.39B | 1.59B | 2.88B | 7.58B | 7.35B | 4.79B | 5.20B | 7.78B | 9.08B | 6.66B | 8.05B |
| Long Term Debt | - | - | - | - | - | - | 0 | 4.96B | 8.94B | 8.05B | 10.42B | 9.68B | 9.88B | 9.99B |
| Total Liabilities | - | - | 13.67B | 15.12B | 18.39B | 24.78B | 27.95B | 34.40B | 50.32B | 54.08B | 58.35B | 61.12B | 58.31B | 59.92B |
| Current Liabilities | - | - | 13.28B | 13.62B | 16.88B | 22.86B | 25.90B | 26.92B | 38.45B | 43.03B | 45.01B | 48.47B | 45.49B | 46.44B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 1.99B | 2.22B | 2.55B | 3.16B | 2.53B | 5.48B | 4.07B | 6.22B | 5.80B | 5.81B | 4.84B | 7.45B | 6.42B |
| Investing Cash Flow | -1.72B | -2.88B | -8.04B | -5.90B | -4.49B | 821.00M | -5.74B | -16.55B | -5.15B | -3.33B | 752.00M | 1.69B | 797.00M |
| Financing Cash Flow | -85.00M | 1.28B | 4.73B | 2.04B | 4.08B | -1.24B | 4.19B | 12.45B | -557.00M | -1.20B | -2.99B | -8.28B | -5.96B |
| Capital Expenditure | -391.00M | -492.00M | -722.00M | -669.00M | -667.00M | -823.00M | -704.00M | -866.00M | -908.00M | -706.00M | -623.00M | -683.00M | -852.00M |
| Free Cash Flow | 1.60B | 1.73B | 1.82B | 2.49B | 1.86B | 4.66B | 3.37B | 5.35B | 4.89B | 5.11B | 4.22B | 6.77B | 5.56B |
| Share Buybacks | - | 0 | 0 | 995.00M | 1.01B | 3.52B | 1.41B | 1.64B | 3.37B | 4.20B | 5.00B | 6.05B | 6.05B |
| Dividends Paid | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 130.00M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | 50.1% | 46.0% | 46.1% | 46.6% |
| Operating Margin % | 16.2% | 15.8% | 15.8% | 14.6% | 16.2% | 14.2% | 15.3% | 15.3% | 16.8% | 14.7% | 16.6% | 18.1% | 19.3% |
| Net Margin % | 14.2% | 5.2% | 13.3% | 12.9% | 13.7% | 13.3% | 13.8% | 19.6% | 16.4% | 8.8% | 14.3% | 13.0% | 15.8% |
| ROE % | 12.9% | 5.1% | 8.9% | 9.5% | 11.2% | 13.4% | 14.6% | 21.0% | 19.2% | 11.9% | 20.2% | 20.3% | 25.8% |
| ROCE % | - | 14.7% | 9.6% | 9.8% | 11.9% | 12.6% | 11.1% | 10.3% | 13.0% | 12.0% | 14.7% | 17.3% | 19.0% |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 8.35% | 73.68M | $4.06B |
| 2 | Vanguard Capital Management LLC | 6.35% | 56.00M | $3.08B |
| 3 | State Street Corporation | 4.76% | 41.98M | $2.31B |
| 4 | Geode Capital Management, LLC | 2.96% | 26.15M | $1.44B |
| 5 | Comprehensive Financial Management, LLC | 2.95% | 26.00M | $1.43B |
| 6 | Bank of America Corporation | 2.90% | 25.61M | $1.41B |
| 7 | Vanguard Portfolio Management LLC | 2.87% | 25.32M | $1.39B |
| 8 | Amundi | 1.56% | 13.80M | $760.47M |
| 9 | Invesco Ltd. | 1.45% | 12.79M | $704.55M |
| 10 | Goldman Sachs Group Inc | 1.37% | 12.10M | $666.70M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for PYPL
Paypal stock soars on report of buyout proposal from Stripe, Advent - Yahoo Finance
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EXCLUSIVE: Stripe, Advent offer to buy PayPal for more than $53 billion, sources say - Reuters
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PYPL — Frequently Asked Questions
What is the current share price of PayPal Holdings, Inc. (PYPL)?
As of 2026-07-15 16:51 PDT, PayPal Holdings, Inc. (PYPL) trades at $55.52 on NasdaqGS. Its 52-week range is $38.83 to $77.55.
What is the market capitalisation of PYPL?
PayPal Holdings, Inc. (PYPL) has a market capitalisation of $48.97B on NasdaqGS.
What is the P/E ratio of PYPL?
PYPL trades at a trailing price-to-earnings (P/E) ratio of 10.42. The industry average P/E is 13.52. Its price-to-book (P/B) ratio is 2.46.
Does PYPL pay a dividend?
PayPal Holdings, Inc. (PYPL) currently offers a dividend yield of 1.18%.
What is the return on equity (ROE) of PYPL?
PYPL has a return on equity (ROE) of 25.12%. Its return on capital employed (ROCE) is 18.96%.
Is PYPL a good stock to buy?
This page provides a data-driven analysis of PayPal Holdings, Inc. (PYPL), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.