PayPal Holdings, Inc. PYPL NDXSPX

Financial Services · Credit Services · United States

https://www.paypal.com

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.

Market & Price

Market Cap

$39.47B

Current Price

$44.75

High / Low (52W)

$77.80 / $38.96

Beta

1.40

Valuation

Stock P/E

8.40

Industry PE

12.01

Forward P/E

7.75

PEG Ratio

0.81

Book Value

$22.45

Price to Book

1.99

P/S

1.17

EV/EBITDA

6.36

Dividend Yield

1.25%

Profitability & Returns

ROCE

19.96%

ROE

25.12%

ROA

4.74%

Profit Margin

15.00%

Op Margin

17.97%

EPS (Latest Qtr)

$1.21

EPS (TTM)

$5.33

Balance Sheet & Liquidity

Debt/Equity

0.58

Quick Ratio

0.22

Current Ratio

1.26

Debt

$11.67B

Total Assets

$80.17B

Current Assets

$59.76B

Working Capital

$13.32B

Ownership

Promoter Holding

0.68%

Chg in Prom Hold

FII / Inst Holding

80.02%

Chg in FII Hold

-0.01%

Financial Snapshot

Enterprise Value

$41.80B

Total Revenue (TTM)

$33.73B

EBITDA

$6.57B

Free Cash Flow

$4.08B

Operating Cash Flow

$6.39B

Shares Outstanding

882.11M

Gross Margin

40.93%

Payout Ratio

5.25%

Growth (CAGR)

Revenue 5Y

6.43%

Profit 5Y

29.33%

Revenue (YoY)

7.20%

Earnings (YoY)

-6.20%

PROS

Strong return on equity of 25.1%.
Profit CAGR of 29.3% over 5 years.
Generates positive free cash flow.

CONS

Trading 42.5% below its 52-week high.
In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

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	44.75	8.40	$39.47B	1.25%	19.96%	25.12%	6.43%	29.33%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

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	-	-	-	10.84B	13.09B	15.45B	17.77B	-	-	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	-	-	-	-	-	-	-

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:	-35.99%
6 Months:	-26.68%
3 Months:	-2.87%
1 Month:	-12.15%

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	-	78.62B	82.17B	78.72B	80.17B
Current Assets	-	-	-	-	-	-	-	-	-	-	57.42B	62.57B	58.21B	59.76B
Cash & Equivalents	1.41B	1.60B	2.20B	1.39B	1.59B	2.88B	7.58B	7.35B	4.79B	-	7.78B	9.08B	6.66B	8.05B
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	37.23B	40.00B	38.66B	39.04B
Total Liabilities	-	-	13.67B	15.12B	18.39B	24.78B	27.95B	34.40B	50.32B	-	58.35B	61.12B	58.31B	59.92B
Current Liabilities	-	-	13.28B	13.62B	16.88B	22.86B	25.90B	26.92B	38.45B	-	45.01B	48.47B	45.49B	46.44B
Long Term Debt	-	-	-	-	-	-	0	4.96B	8.94B	-	10.42B	9.68B	9.88B	9.99B
Total Debt	-	-	-	-	-	-	-	-	-	-	10.42B	9.68B	9.88B	9.99B
Total Equity	6.18B	7.39B	8.25B	13.76B	14.71B	15.99B	15.39B	16.89B	20.02B	-	20.27B	21.05B	20.42B	20.26B
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	1.31B	1.32B	1.33B	1.34B

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	-	5.81B	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	-	-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	-	-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	-	-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	-	5.11B	4.22B	6.77B	5.56B
Net Change in Cash	-	-	-	-	-	-	-	-	-	1.28B	2.60B	863.00M	1.25B
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 %	-	-	-	14.6%	16.2%	14.2%	15.3%	-	-	14.7%	16.6%	18.1%	19.3%
Net Margin %	-	-	-	12.9%	13.7%	13.3%	13.8%	-	-	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%	-	11.9%	20.2%	20.3%	25.8%
ROCE %	-	14.7%	9.6%	9.8%	11.9%	12.6%	11.1%	10.3%	-	12.0%	14.7%	17.3%	19.0%

Shareholding Pattern

Insiders

0.68%

Institutions

80.02%

Public Float

80.57%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	8.35%	73.68M	$3.30B
2	Vanguard Capital Management LLC	6.35%	56.00M	$2.51B
3	State Street Corporation	4.76%	41.98M	$1.88B
4	Geode Capital Management, LLC	2.96%	26.15M	$1.17B
5	Comprehensive Financial Management, LLC	2.95%	26.00M	$1.16B
6	Bank of America Corporation	2.90%	25.61M	$1.15B
7	Vanguard Portfolio Management LLC	2.87%	25.32M	$1.13B
8	Amundi	1.56%	13.80M	$617.74M
9	Invesco Ltd.	1.45%	12.79M	$572.31M
10	Goldman Sachs Group Inc	1.37%	12.10M	$541.57M

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PYPL · Financial Services