PayPal
PYPL
54.95
+0.34
+0.62%
PayPal
US · PYPL
#487 by market cap
Listed 2015
54.95
+0.34
+0.62%
Live - 5344 symbols - heartbeat 57s ago
· 2026-10-08 06:48
Pre-market
54.60
-0.64%
After-hours
55.05
+0.19%
Overnight
54.79
-0.29%
- Market cap
- 47.01B
- P/E (TTM)i
- 10.39
- P/Bi
- 2.37
- EPSi
- 5.41
- Div yieldi
- 0.76%
- 52W posi
- 42%
Reader sentiment
Are you bullish or bearish on PYPL?
Anonymous reader poll. Unscientific, not investment advice.
✦ Quant Financial Health how this is computed
Fair
- Altman Z-Score is 1.91, in the 1.8-3.0 "grey zone".
- Most reliable for industrial/manufacturing companies; less meaningful for banks, insurers and other financials.
Revenue annual, last 8 years
Latest year +4.32% YoY
Margins
- Gross margin
- 46.62%
- Operating margin
- 19.28%
- Net margin
- 15.78%
Key ratios & quality
- PEG ratioi
- 0.35
- Altman Z-Scorei
- 1.91
PEG uses trailing P/E against the 3-year net income growth rate (29.33%/yr) since forward earnings estimates aren't available here, so this is not a "forward PEG." Altman Z-Score below ~1.8 suggests financial distress risk, above ~3.0 suggests low risk; the model is most reliable for industrial/manufacturing companies and less meaningful for banks and other financial firms.
Income statement
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 15.45B | 17.77B | 21.45B | 25.37B | 27.52B | 29.77B | 31.80B | 33.17B |
| Gross profit | 8.60B | 9.60B | 11.78B | 14.00B | 13.77B | 13.70B | 14.66B | 15.47B |
| Selling & admin expenses | 2.86B | 3.11B | 3.93B | 4.56B | 4.36B | 3.87B | 4.15B | 4.26B |
| Research & development | 1.83B | 2.09B | 2.64B | 3.04B | 3.25B | 2.97B | 2.98B | 3.10B |
| Operating profit | 2.50B | 2.79B | 3.43B | 4.32B | 4.04B | 4.94B | 5.76B | 6.40B |
| Pretax profit | 2.38B | 3.00B | 5.07B | 4.10B | 3.37B | 5.41B | 5.33B | 6.29B |
| Tax | 319.00M | 539.00M | 863.00M | -70.00M | 947.00M | 1.17B | 1.18B | 1.06B |
| Net profit | 2.06B | 2.46B | 4.20B | 4.17B | 2.42B | 4.25B | 4.15B | 5.23B |
| Basic EPS | 2 | 2 | 4 | 4 | 2 | 4 | 4 | 5 |
| Diluted EPS | 1.71 | 2.07 | 3.54 | 3.52 | 2.09 | 3.84 | 3.99 | 5.41 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Revenue | 7.79B | 8.29B | 8.42B | 8.68B | 8.35B | 8.68B |
| Gross profit | 3.72B | 3.84B | 3.87B | 4.03B | 3.81B | 3.90B |
| Selling & admin expenses | 991.00M | 1.04B | 1.03B | 1.19B | 1.01B | 1.05B |
| Research & development | 731.00M | 767.00M | 801.00M | 804.00M | 793.00M | 849.00M |
| Operating profit | 1.60B | 1.62B | 1.59B | 1.59B | 1.56B | 1.54B |
| Pretax profit | 1.60B | 1.53B | 1.53B | 1.63B | 1.39B | 1.31B |
| Tax | 316.00M | 268.00M | 285.00M | 190.00M | 280.00M | 206.00M |
| Net profit | 1.29B | 1.26B | 1.25B | 1.44B | 1.11B | 1.10B |
| Basic EPS | 1 | 1 | 1 | 2 | 1 | 1 |
| Diluted EPS | 1.29 | 1.29 | 1.30 | 1.53 | 1.21 | 1.25 |
Balance sheet
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Total current assets | 32.96B | 38.50B | 51.00B | 52.57B | 57.42B | 62.57B | 58.21B | 59.76B |
| Cash & ST investments | 9.11B | 10.76B | 13.08B | 9.39B | 10.85B | 14.06B | 10.92B | 10.42B |
| Inventory | -- | -- | -- | -- | -- | -- | -- | -- |
| Total assets | 43.33B | 51.33B | 70.38B | 75.80B | 78.62B | 82.17B | 78.73B | 80.17B |
| Total current liabilities | 25.90B | 26.92B | 38.45B | 43.03B | 45.01B | 48.47B | 45.49B | 46.44B |
| Short-term debt | 2.00B | -- | -- | -- | -- | -- | -- | -- |
| Long-term debt | -- | 4.97B | 8.94B | 8.05B | 10.42B | 9.68B | 9.88B | 9.99B |
| Total liabilities | 27,946,000,000.00 | 34,404,000,000.00 | 50,316,000,000.00 | 54,076,000,000.00 | 58,350,000,000.00 | 61,115,000,000.00 | 58,308,000,000.00 | 59,917,000,000.00 |
| Total equity | 15.39B | 16.93B | 20.06B | 21.73B | 20.27B | 21.05B | 20.42B | 20.26B |
| Retained earnings | 5.88B | 8.34B | 12.37B | 16.54B | 18.95B | 23.20B | 27.35B | 32.47B |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Total current assets | 60.61B | 59.88B | 60.18B | 59.76B | 60.00B | 62.35B |
| Cash & ST investments | 11.21B | 10.01B | 10.76B | 10.42B | 9.34B | 11.26B |
| Inventory | -- | -- | -- | -- | -- | -- |
| Total assets | 81.27B | 79.78B | 79.80B | 80.17B | 80.55B | 82.74B |
| Total current liabilities | 46.62B | 45.05B | 44.92B | 46.44B | 47.64B | 48.41B |
| Short-term debt | -- | -- | -- | -- | -- | 2.51B |
| Long-term debt | 11.42B | 11.30B | 11.28B | 9.99B | 9.41B | 10.90B |
| Total liabilities | 61,020,000,000.00 | 59,576,000,000.00 | 59,603,000,000.00 | 59,917,000,000.00 | 60,522,000,000.00 | 62,917,000,000.00 |
| Total equity | 20.25B | 20.20B | 20.20B | 20.26B | 20.02B | 19.82B |
| Retained earnings | 28.65B | 29.92B | 31.16B | 32.47B | 33.45B | 34.43B |
Cash flow
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | 5.48B | 4.07B | 6.22B | 5.80B | 5.81B | 4.84B | 7.45B | 6.42B |
| Depreciation & amortization | 776.00M | 912.00M | 1.19B | 1.27B | 1.32B | 1.07B | 1.03B | 963.00M |
| Free cash flow | 4.66B | 3.37B | 5.35B | 4.89B | 5.11B | 4.22B | 6.77B | 5.56B |
| Dividends paid | -- | -- | -- | -- | -- | 0 | 0 | -130.00M |
| Stock buybacks / issuance | -3.38B | -1.27B | -1.50B | -3.21B | -4.06B | -4.88B | -5.95B | -5.94B |
| Ending cash balance | 13.23B | 15.74B | 18.04B | 18.03B | 19.16B | 21.83B | 22.49B | 24.02B |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Operating cash flow | 1.16B | 898.00M | 1.97B | 2.38B | 1.13B | 1.98B |
| Depreciation & amortization | 245.00M | 239.00M | 245.00M | 234.00M | 238.00M | 246.00M |
| Free cash flow | 964.00M | 692.00M | 1.72B | 2.19B | 903.00M | 1.78B |
| Dividends paid | 0 | 0 | -- | -- | -130.00M | -122.00M |
| Stock buybacks / issuance | -1.50B | -1.48B | -1.50B | -1.46B | -1.50B | -1.49B |
| Ending cash balance | 21.10B | 18.98B | 23.85B | 24.02B | 22.44B | 21.97B |
Returns & efficiency
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| ROE %i | 13.11 | 15.24 | 22.77 | 19.97 | 11.52 | 20.55 | 20.00 | 25.73 |
| ROA %i | 4.89 | 5.20 | 6.90 | 5.70 | 3.13 | 5.28 | 5.06 | 6.47 |
| ROIC %i | 11.51 | 11.34 | 16.94 | 14.15 | 8.31 | 13.49 | 12.88 | 17.08 |
| 5-year avg ROE %i | 10.23 | 12.21 | 14.53 | 16.56 | 16.52 | 18.01 | 18.96 | 19.55 |
| EBIT margin %i | 15.88 | 17.52 | 24.58 | 17.07 | 13.34 | 19.34 | 17.96 | 20.30 |
| FCF / sales %i | 30.16 | 21.70 | 23.25 | 21.41 | 18.56 | 14.17 | 21.28 | 16.77 |
| Current ratioi | 1.27 | 1.43 | 1.33 | 1.22 | 1.28 | 1.29 | 1.28 | 1.29 |
| Quick ratioi | 1.24 | 1.40 | 1.30 | 1.19 | 1.23 | 1.24 | 1.24 | 1.25 |
| Debt / assetsi | 4.61 | 9.67 | 12.70 | 10.62 | 13.25 | 11.78 | 12.55 | 12.46 |
| LT debt / equityi | -- | 29.40 | 44.65 | 37.05 | 51.38 | 45.96 | 48.39 | 49.30 |
| Interest coveragei | 31.86 | 27.07 | 25.23 | 18.67 | 12.07 | 16.59 | 14.95 | 15.27 |
| Revenue CAGR (3Y) %i | 18.66 | 17.91 | 17.89 | 17.98 | 15.69 | 11.54 | 7.82 | 6.43 |
| Net income CAGR (3Y) %i | 18.76 | 20.63 | 32.78 | 26.55 | -0.55 | 0.35 | -0.18 | 29.33 |
| FCF CAGR (3Y) %i | 36.68 | 10.60 | 42.14 | 1.63 | 14.90 | -7.62 | 11.44 | 2.90 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| ROE %i | 22.20 | 22.92 | 24.36 | 25.73 | 25.12 | 24.50 |
| ROA %i | 5.52 | 5.71 | 6.02 | 6.47 | 6.25 | 6.03 |
| ROIC %i | 14.03 | 14.64 | 15.64 | 17.08 | 16.48 | 14.62 |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -- |
| EBIT margin %i | 19.20 | 19.43 | 19.79 | 20.30 | 19.36 | 18.53 |
| FCF / sales %i | 18.71 | 16.39 | 16.93 | 16.77 | 16.31 | 19.30 |
| Current ratioi | 1.30 | 1.33 | 1.34 | 1.29 | 1.26 | 1.29 |
| Quick ratioi | 1.26 | 1.28 | 1.30 | 1.25 | 1.22 | 1.25 |
| Debt / assetsi | 14.05 | 14.16 | 14.13 | 12.46 | 11.68 | 16.20 |
| LT debt / equityi | 56.37 | 55.92 | 55.83 | 49.30 | 46.99 | 54.97 |
| Interest coveragei | 15.34 | 14.94 | 15.23 | 15.27 | 14.55 | 13.72 |
| Revenue CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
Revenue breakdown most recent period
Business
Single segment100.00%
Quote time 2026-10-08 06:48:33 · For reference only, not investment advice and not tailored to your situation.