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Investment Highlights Market Valuation Price Chart About PYPL Interactive Breakdown Better Bets vs. PYPL Latest Trefis Analyses Trade Ideas Recent Active Movers More From Trefis Peer Financials Peer Growth & Margins Peer Valuation Peer Returns Peer Analyses FDIC Bank Data Financials Segment Financials Price Behavior Short Interest Earnings Returns History SEC Filings Insider Activity Industry Resource Links External Quote Links

PayPal (PYPL)

Market Price (10/14/2025): $68.18 | Market Cap: $66.1 Bil
Sector: Financials | Industry: Transaction & Payment Processing Services

PayPal (PYPL)

Market Price (10/14/2025): $68.18
Market Cap: $66.1 Bil
Sector: Financials
Industry: Transaction & Payment Processing Services

Investment Highlights

0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 7.0%, FCF Yield is 7.9%		 Weak multi-year price returns
2Y Excs Rtn is -35%, 3Y Excs Rtn is -105%		 
1 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 19%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 16%, CFO LTM is 6.1 Bil, FCF LTM is 5.3 Bil		  
2 Low stock price volatility
Vol 12M is 38%		  
0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 7.0%, FCF Yield is 7.9%
1 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 19%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 16%, CFO LTM is 6.1 Bil, FCF LTM is 5.3 Bil
2 Low stock price volatility
Vol 12M is 38%
3 Weak multi-year price returns
2Y Excs Rtn is -35%, 3Y Excs Rtn is -105%

Market Valuation & Key Metrics

PYPLS&P 500
REVENUE GROWTHFAIR
Rev LTM ($ Bil)32.3
Rev Chg Q5.1%6.1%
Rev Chg LTM4.1%5.2%
Rev Chg 3Y Avg7.0%5.3%
PROFITABILITYFAIR
Op Inc LTM ($ Bil)6.2
Op Mgn LTM19.1%18.6%
CFO LTM ($ Bil)6.1
CFO/Rev LTM18.8%20.3%
Net Inc LTM ($ Bil)4.7
Net Inc Mgn14.5%12.7%
VALUATIONLOW
P/S2.03.2
P/CFO10.915.7
P/FCF12.520.6
P/E14.123.6
STABILITYVERY GOOD
Debt/Equity0.170.21
Cash/Assets0.130.07

PYPL Stock

Factor Drivers of Stock Movement
The 10.6% change in PYPL stock from 4/14/2025 to 10/13/2025 was primarily driven by a 11.1% change in the company's Net Income Margin (%).

414202510132025Change
Stock Price ($)62.2768.8610.58%
Change Contribution ByLTMLTM
Total Revenues ($ Mil)31797.0032292.001.56%
Net Income Margin (%)13.04%14.49%11.10%
P/E Multiple14.9614.26-4.65%
Shares Outstanding (Mil)996.00969.002.71%
Cumulative Contribution10.50%

LTM = Last Twelve Months as of date shown
The -14.5% change in PYPL stock from 10/13/2024 to 10/13/2025 was primarily driven by a -24.6% change in the company's P/E Multiple.

1013202410132025Change
Stock Price ($)80.5168.86-14.47%
Change Contribution ByLTMLTM
Total Revenues ($ Mil)31028.0032292.004.07%
Net Income Margin (%)14.30%14.49%1.30%
P/E Multiple18.9014.26-24.56%
Shares Outstanding (Mil)1042.00969.007.01%
Cumulative Contribution-14.89%

LTM = Last Twelve Months as of date shown
The -14.4% change in PYPL stock from 10/14/2022 to 10/13/2025 was primarily driven by a -68.5% change in the company's P/E Multiple.

1014202210132025Change
Stock Price ($)80.4768.86-14.43%
Change Contribution ByLTMLTM
Total Revenues ($ Mil)26389.0032292.0022.37%
Net Income Margin (%)7.79%14.49%85.98%
P/E Multiple45.3214.26-68.54%
Shares Outstanding (Mil)1158.00969.0016.32%
Cumulative Contribution-16.71%

LTM = Last Twelve Months as of date shown

Price Returns Compared

 202020212022202320242025Total [1]
Returns
PYPL Return117%-19%-62%-14%39%-19%-35%
Peers Return71%32%-41%70%28%18%241%
S&P 500 Return16%27%-19%24%23%13%103%

Monthly Win Rates [3]
PYPL Win Rate67%50%25%58%58%56% 
Peers Win Rate62%62%28%70%58%60% 
S&P 500 Win Rate58%75%42%67%75%67% 

Max Drawdowns [4]
PYPL Max Drawdown-21%-23%-64%-29%-9%-33% 
Peers Max Drawdown-21%-7%-47%-1%-11%-18% 
S&P 500 Max Drawdown-31%-1%-25%-1%-2%-15% 

[1] Cumulative total returns since the beginning of 2020
[2] Peers: GOOGL, AMZN, INTU, SHOP, V. See PYPL Returns vs. Peers.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2025 data is for the year up to 10/13/2025 (YTD)

Downturns Compared

Unique KeyEventPYPLS&P 500
2022 Inflation Shock2022 Inflation Shock  
2022 Inflation Shock% Loss% Loss-83.7%-25.4%
2022 Inflation Shock% Gain to Breakeven% Gain to Breakeven512.3%34.1%
2022 Inflation ShockTime to BreakevenTime to BreakevenNot Fully Recovered days464 days
2020 Covid Pandemic2020 Covid Pandemic  
2020 Covid Pandemic% Loss% Loss-31.2%-33.9%
2020 Covid Pandemic% Gain to Breakeven% Gain to Breakeven45.3%51.3%
2020 Covid PandemicTime to BreakevenTime to Breakeven43 days148 days
2018 Correction2018 Correction  
2018 Correction% Loss% Loss-20.3%-19.8%
2018 Correction% Gain to Breakeven% Gain to Breakeven25.5%24.7%
2018 CorrectionTime to BreakevenTime to Breakeven114 days120 days


How Low Can It Go?

PayPal's stock fell -83.7% during the 2022 Inflation Shock from a high on 7/23/2021. A -83.7% loss requires a 512.3% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth over time.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About PayPal (PYPL)

PayPal Holdings, Inc. operates a technology platform that enables digital payments on behalf of merchants and consumers worldwide. It provides payment solutions under the PayPal, PayPal Credit, Braintree, Venmo, Xoom, Zettle, Hyperwallet, Honey, and Paidy names. The company's payments platform allows consumers to send and receive payments in approximately 200 markets and in approximately 100 currencies, withdraw funds to their bank accounts in 56 currencies, and hold balances in their PayPal accounts in 25 currencies. PayPal Holdings, Inc. was founded in 1998 and is headquartered in San Jose, California.

Better Bets than PayPal (PYPL)

 PYPLBetter Performance than PYPL
MetricValueIndustry (Transaction & Payment Processi)
Rev Chg LTM4.1%V (11.4%), MA (13.1%), FI (6.7%), CPAY (9.2%), JKHY (7.2%)
Rev Chg 3Y Avg7.0%V (11.5%), MA (13.5%), FI (7.5%), XYZ (13.9%), CPAY (9.2%)
Op Mgn LTM19.1%V (66.5%), MA (58.0%), FI (30.0%), GPN (20.3%), CPAY (43.9%)
CFO/Rev LTM18.8%V (60.4%), MA (53.3%), FI (32.1%), FIS (27.3%), GPN (37.6%)
FCF/Rev LTM16.4%V (56.8%), MA (49.2%), FI (24.4%), FIS (18.7%), GPN (31.0%)
Total Yield7.0%GPN (8.2%), EEFT (9.5%), WU (45.4%), EVTC (7.3%)
 PYPLBetter Performance than PYPL
MetricValueAll Other Sectors
Rev Chg LTM4.1%NVDA (71.6%), MSFT (14.9%), AAPL (6.0%), GOOGL (13.1%), AMZN (10.9%)
Rev Chg 3Y Avg7.0%NVDA (92.0%), MSFT (12.5%), GOOGL (10.2%), AMZN (11.3%), META (13.0%)
Op Mgn LTM19.1%NVDA (58.1%), MSFT (45.6%), AAPL (31.9%), GOOGL (32.7%), META (42.9%)
CFO/Rev LTM18.8%NVDA (46.6%), MSFT (48.3%), AAPL (26.6%), GOOGL (36.0%), META (56.4%)
FCF/Rev LTM16.4%NVDA (43.6%), MSFT (25.4%), AAPL (23.5%), GOOGL (18.0%), META (30.7%)
Total Yield7.0%XOM (9.9%), JNJ (7.6%), BABA (37.8%), UNH (8.9%), KO (7.2%)

Latest Trefis Analyses

TitleTopicDate
0DASHBOARDS  
1PayPal Earnings Notes  
2Day 5 of Gains Streak for PayPal Stock with 14% Return (vs. -11% YTD) [10/8/2025]Notification 
3PayPal Stock's 11% Single Week Rise Brings Valuations Into Focus - Is Fiserv Stock a Better Deal?Counter-Intuitive Comparisons 
4Better Bet Than PYPL Stock: Pay Less Than PayPal To Get More From EEFT, FI Actionable 
5PayPal vs Apollo Asset Management: Which Is A Better Investment?Counter-Intuitive Comparisons 
6PYPL Pulls Back to Support. Smart Time to Enter?Actionable 
7How Does PayPal Stock Compare With Others?Peer Comparison 
8Better Bet Than PYPL Stock: Pay Less Than PayPal To Get More From IBKR, SNEX   
9Better Bet Than PYPL Stock: Pay Less Than PayPal To Get More From EEFT   
10Will You Be Comfortable Buying PayPal Stock?Return 
11ARTICLES  
12PayPal Stock Surges 14%, With A 5-Day Winning Spree October 9th, 2025
13With Block Stock Up 11% in a Week, Is It Time to Compare It Against PayPal Stock? October 9th, 2025
14PayPal Stock Jumps 11% in a Week, But Does Fiserv Stock Offer Better Fundamentals? October 8th, 2025
15S&P 500 Movers | Winners: PYPL, EL, AMD | Losers: STX, CZR, F October 7th, 2025
16Better Bet Than PayPal Stock: Pay Less To Get More From FI October 7th, 2025
Title
0DASHBOARDS
1PayPal Stock Surges 14%, With A 5-Day Winning Spree
2With Block Stock Up 11% in a Week, Is It Time to Compare It Against PayPal Stock?
3PayPal Stock Jumps 11% in a Week, But Does Fiserv Stock Offer Better Fundamentals?
4S&P 500 Movers | Winners: PYPL, EL, AMD | Losers: STX, CZR, F
5Better Bet Than PayPal Stock: Pay Less To Get More From FI
6ARTICLES
7PayPal Earnings Notes
8Day 5 of Gains Streak for PayPal Stock with 14% Return (vs. -11% YTD) [10/8/2025]
9PayPal Stock's 11% Single Week Rise Brings Valuations Into Focus - Is Fiserv Stock a Better Deal?
10Better Bet Than PYPL Stock: Pay Less Than PayPal To Get More From EEFT, FI 
11PayPal vs Apollo Asset Management: Which Is A Better Investment?
12PYPL Pulls Back to Support. Smart Time to Enter?
13How Does PayPal Stock Compare With Others?
14Better Bet Than PYPL Stock: Pay Less Than PayPal To Get More From IBKR, SNEX 
15Better Bet Than PYPL Stock: Pay Less Than PayPal To Get More From EEFT 
16Will You Be Comfortable Buying PayPal Stock?

Trade Ideas

Select past trade ideas related to PYPL and Transaction & Payment Processing Services.

Unique KeyDateTickerCompanyCategoryTrade Strategy6M Fwd Rtn12M Fwd Rtn12M Max DD
HLNE_9302025_Dip_Buyer_FCFYield09302025HLNEHamilton LaneDip BuyDB | FCFY OPMDip Buy with High FCF Yield and High Margin
Buying dips for companies with high FCF yield and meaningfully high operating margin		-12.3%-12.3%-12.3%
CNS_9302025_Dip_Buyer_ValueBuy09302025CNSCohen & SteersDip BuyDB | P/E OPMDip Buy with Low PE and High Margin
Buying dips for companies with tame PE and meaningfully high operating margin		0.8%0.8%-1.6%
JKHY_9262025_Monopoly_xInd_xCD_Getting_Cheaper09262025JKHYJack Henry & AssociatesMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple		1.4%1.4%-2.1%
FDS_9192025_Monopoly_xInd_xCD_Getting_Cheaper09192025FDSFactSet Research SystemsMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple		-2.1%-2.1%-4.9%
IBKR_9052025_Quality_Momentum_RoomToRun_10%09052025IBKRInteractive BrokersQualityQ | Momentum | UpsideQuality Stocks with Momentum and Upside
Buying quality stocks with strong momentum but still having room to run		14.7%14.7%0.0%
PYPL_6302024_Dip_Buyer_FCFYield06302024PYPLPayPalDip BuyDB | FCFY OPMDip Buy with High FCF Yield and High Margin
Buying dips for companies with high FCF yield and meaningfully high operating margin		49.7%28.1%-1.4%
Unique KeyDateTickerCompanyCategoryTrade Strategy6M Fwd Rtn12M Fwd Rtn12M Max DD
HLNE_9302025_Dip_Buyer_FCFYield09302025HLNEHamilton LaneDip BuyDB | FCFY OPMDip Buy with High FCF Yield and High Margin
Buying dips for companies with high FCF yield and meaningfully high operating margin		-12.3%-12.3%-12.3%
CNS_9302025_Dip_Buyer_ValueBuy09302025CNSCohen & SteersDip BuyDB | P/E OPMDip Buy with Low PE and High Margin
Buying dips for companies with tame PE and meaningfully high operating margin		0.8%0.8%-1.6%
JKHY_9262025_Monopoly_xInd_xCD_Getting_Cheaper09262025JKHYJack Henry & AssociatesMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple		1.4%1.4%-2.1%
FDS_9192025_Monopoly_xInd_xCD_Getting_Cheaper09192025FDSFactSet Research SystemsMonopolyMY | Getting CheaperMonopoly-Like with P/S Decline
Large cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple		-2.1%-2.1%-4.9%
IBKR_9052025_Quality_Momentum_RoomToRun_10%09052025IBKRInteractive BrokersQualityQ | Momentum | UpsideQuality Stocks with Momentum and Upside
Buying quality stocks with strong momentum but still having room to run		14.7%14.7%0.0%
PYPL_6302024_Dip_Buyer_FCFYield06302024PYPLPayPalDip BuyDB | FCFY OPMDip Buy with High FCF Yield and High Margin
Buying dips for companies with high FCF yield and meaningfully high operating margin		49.7%28.1%-1.4%

See Trefis Trade Ideas for more.

Recent Active Movers

1 Week Top Gainers

#TickerCompany1W RtnYTD Rtn
1UAMYUnited States Antimony106.6%844.1%
2BITFBitfarms55.8%261.7%
3ASPIASP Isotopes48.5%194.0%
4USARUSA Rare Earth47.0%129698.7%
5UUUUEnergy Fuels40.6%363.4%
6TMCTMC The Metals38.5%854.5%
7SESSES AI37.9%53.0%
8GLUEMonte Rosa Therapeutics35.8%49.9%
9APGEApogee Therapeutics35.5%19.1%
10METCRamaco Resources34.7%418.5%

1 Week Top Losers

#TickerCompany1W RtnYTD Rtn
1VGVenture Global-35.2% 
2BNBrookfield-34.2%17.5%
3BNTBrookfield Wealth Solutions-34.1%17.5%
4BBBYBed Bath & Beyond-28.6% 
5HELEHelen Of Troy-25.9%-67.4%
6PENGPenguin Solutions-23.8%16.3%
7USNAUsana Health Sciences-22.8%-42.8%
8TASKTaskUs-22.4%-21.8%
9NFENew Fortress Energy-21.8%-87.4%
10OPENOpendoor Technologies-21.7%354.4%

1 Month Top Gainers

#TickerCompany1M RtnYTD Rtn
1WOLFWolfspeed1297.9%389.0%
2QUREuniQure276.2%251.2%
3UAMYUnited States Antimony238.9%844.1%
4LACLithium Americas194.8%183.8%
5RGTIRigetti Computing187.6%259.8%
6USARUSA Rare Earth175.1%129698.7%
7SESSES AI168.0%53.0%
8PLUGPlug Power156.6%83.1%
9CLPTClearPoint Neuro150.4%70.8%
10BITFBitfarms141.7%261.7%

1 Month Top Losers

#TickerCompany1M RtnYTD Rtn
1ANGXAngel Studios-49.7% 
2REXREX American Resources-47.9%52.0%
3VGVenture Global-33.4% 
4USNAUsana Health Sciences-32.7%-42.8%
5FLYFirefly Aerospace-31.7% 
6LDIloanDepot-31.4%43.6%
7TIPTTiptree-29.9%-13.6%
8GOSSGossamer Bio-29.5%169.7%
9PGYPagaya Technologies-29.5%201.1%
10IDTIDT-29.4%-1.3%

Recent Active Movers

1 Week Top Gainers

#TickerCompany1W RtnYTD Rtn
1UAMYUnited States Antimony106.6%844.1%
2BITFBitfarms55.8%261.7%
3ASPIASP Isotopes48.5%194.0%
4USARUSA Rare Earth47.0%129698.7%
5UUUUEnergy Fuels40.6%363.4%
6TMCTMC The Metals38.5%854.5%
7SESSES AI37.9%53.0%
8GLUEMonte Rosa Therapeutics35.8%49.9%
9APGEApogee Therapeutics35.5%19.1%
10METCRamaco Resources34.7%418.5%

1 Week Top Losers

#TickerCompany1W RtnYTD Rtn
1VGVenture Global-35.2% 
2BNBrookfield-34.2%17.5%
3BNTBrookfield Wealth Solutions-34.1%17.5%
4BBBYBed Bath & Beyond-28.6% 
5HELEHelen Of Troy-25.9%-67.4%
6PENGPenguin Solutions-23.8%16.3%
7USNAUsana Health Sciences-22.8%-42.8%
8TASKTaskUs-22.4%-21.8%
9NFENew Fortress Energy-21.8%-87.4%
10OPENOpendoor Technologies-21.7%354.4%

More From Trefis

Research & Analysis

Invest in Strategies

Wealth Management

Peer Comparisons for PayPal

Financials

PYPLGOOGLAMZNINTUSHOPVMedian
NamePayPal Alphabet Amazon.c.Intuit Shopify Visa  
Mkt Price68.86244.15220.07655.68153.66343.30232.11
Mkt Cap66.72,959.62,340.9183.6199.4632.7416.1
Rev LTM32,292371,399670,03818,83110,01438,89335,592
Op Inc LTM6,161121,37076,1904,9421,53125,86416,012
FCF LTM5,29266,72813,4816,0831,81722,0839,782
FCF 3Y Avg5,21666,20321,6775,1681,07619,89912,558
CFO LTM6,066133,708121,1376,2071,83323,48514,846
CFO 3Y Avg5,899112,63696,9775,3791,10621,13413,516

Growth & Margins

PYPLGOOGLAMZNINTUSHOPVMedian
NamePayPal Alphabet Amazon.c.Intuit Shopify Visa  
Rev Chg LTM4.1%13.1%10.9%15.6%29.0%11.4%12.3%
Rev Chg 3Y Avg7.0%10.2%11.3%14.0%26.0%11.5%11.4%
Rev Chg Q5.1%13.8%13.3%20.3%31.1%14.3%14.0%
QoQ Delta Rev Chg LTM1.3%3.2%3.0%3.6%6.8%3.4%3.3%
Op Mgn LTM19.1%32.7%11.4%26.2%15.3%66.5%22.7%
Op Mgn 3Y Avg17.8%29.4%7.9%23.9%4.4%66.8%20.8%
QoQ Delta Op Mgn LTM0.3%0.0%0.3%0.5%-0.1%-0.0%0.2%
CFO/Rev LTM18.8%36.0%18.1%33.0%18.3%60.4%25.9%
CFO/Rev 3Y Avg19.2%34.1%15.8%32.7%12.7%60.1%25.9%
FCF/Rev LTM16.4%18.0%2.0%32.3%18.1%56.8%18.1%
FCF/Rev 3Y Avg16.9%20.3%3.5%31.4%12.2%56.6%18.6%

Valuation

PYPLGOOGLAMZNINTUSHOPVMedian
NamePayPal Alphabet Amazon.c.Intuit Shopify Visa  
Mkt Cap66.72,959.62,340.9183.6199.4632.7416.1
P/S2.18.03.59.719.916.38.9
P/EBIT10.621.127.536.1130.225.426.5
P/E14.325.633.147.585.031.232.2
P/CFO11.022.119.329.6108.826.924.5
Total Yield7.0%4.2%3.0%2.8%1.2%3.8%3.4%
Dividend Yield0.0%0.3%0.0%0.6%0.0%0.6%0.2%
FCF Yield 3Y Avg7.8%3.5%1.1%3.0%1.0%4.1%3.3%
D/E0.20.00.10.00.00.00.0
Net D/E0.0-0.00.00.0-0.00.00.0

Returns

PYPLGOOGLAMZNINTUSHOPVMedian
NamePayPal Alphabet Amazon.c.Intuit Shopify Visa  
1M Rtn2.9%1.4%-3.5%1.7%7.2%1.1%1.5%
3M Rtn-6.8%34.6%-2.5%-12.7%31.6%-1.9%-2.2%
6M Rtn10.6%53.8%20.8%10.8%85.6%2.8%15.8%
12M Rtn-14.5%50.2%16.6%7.0%84.6%24.4%20.5%
3Y Rtn-14.4%154.6%105.9%75.9%489.6%92.8%99.3%
1M Excs Rtn1.9%0.3%-4.6%0.6%6.1%0.1%0.5%
3M Excs Rtn-12.2%27.7%-9.4%-18.5%27.0%-7.5%-8.4%
6M Excs Rtn-14.1%31.6%-5.0%-12.0%59.5%-20.8%-8.5%
12M Excs Rtn-30.6%36.6%4.0%-8.5%69.3%9.9%6.9%
3Y Excs Rtn-104.8%64.7%5.2%-15.1%333.5%12.0%8.6%

Comparison Analyses

Financials

$ Mil | FY: 12/312025Q22025Q12024Q42024Q32024Q22024Q12023Q42023Q32023Q22023Q12022Q42022Q3
Period End6/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/20236/30/20233/31/202312/31/20229/30/2022
Filing Date7/29/20254/29/20252/4/202510/29/20247/30/20244/30/20242/8/202411/2/20238/3/20235/9/20232/10/202311/4/2022
Key Financials Quarterly            
Total Revenue8,2887,7918,3667,8477,8857,6998,0267,4187,2877,0407,3836,846
Ebitda1,8821,9511,7561,6721,7551,5602,1431,5971,6591,4311,5251,995
Operating Income1,6201,5961,4911,4541,4381,3801,4171,2071,1571,1631,2691,174
Net Income1,2611,2871,1211,0101,1288881,4021,0201,0297959211,330
EPS1.301.311.121.001.080.831.290.930.930.700.811.15
Key Financials TTM            
Total Revenue TTM32,29231,88931,79731,45731,02830,43029,77129,12828,55628,07527,51827,053
Ebitda TTM7,2617,1346,7437,1307,0556,9596,8306,2126,6105,4024,9874,553
Operating Income TTM6,1615,9795,7635,6895,4425,1614,9444,7964,7634,4604,0443,827
Net Income TTM4,6794,5464,1474,4284,4384,3394,2463,7654,0752,7052,4192,299
Growth Rates Quarterly            
Total Revenue Growth5.1%1.2%4.2%5.8%8.2%9.4%8.7%8.4%7.1%8.6%6.7%10.7%
EBITDA Growth7.2%25.1%-18.1%4.7%5.8%9.0%40.5%-19.9%267.8%40.8%39.8%29.0%
Operating Income Growth12.7%15.7%5.2%20.5%24.3%18.7%11.7%2.8%35.5%55.7%20.6%12.5%
Net Income Growth11.8%44.9%-20.0%-1.0%9.6%11.7%52.2%-23.3%401.8%56.2%15.0%22.4%
Margins Quarterly            
EBITDA Margin22.7%25.0%21.0%21.3%22.3%20.3%26.7%21.5%22.8%20.3%20.7%29.1%
Operating Income Margin19.5%20.5%17.8%18.5%18.2%17.9%17.7%16.3%15.9%16.5%17.2%17.1%
Net Income Margin15.2%16.5%13.4%12.9%14.3%11.5%17.5%13.8%14.1%11.3%12.5%19.4%
Cash & Debt            
Total Cash10,00811,21110,82211,91813,61314,31514,05711,5419,89110,64710,85110,828
Total Debt11,29611,4179,8799,9769,7279,6839,67610,64010,54910,48110,41710,659
Net Debt / (Cash)1,288206-943-1,942-3,886-4,632-4,381-901658-166-434-169
Cash Flows Quarterly            
FCF from Operations8981,1602,3941,6141,5251,9172,6141,259-2001,1701,5911,755
Cash Flows TTM            
FCF from Operations TTM6,0666,6937,4507,6707,3155,5904,8433,8204,3165,7665,8135,442
Returns to Shareholders Quarterly            
Dividends000000000000
Share Repurchases1,5511,5001,2691,7761,5011,5016071,4341,5291,4321,010939
Return on Invested Capital (ROIC) Quarterly            
ROIC414.9%2488.1%------555.4%---
Return on Invested Capital (ROIC) TTM            
ROIC TTM382.4%2305.5%------582.4%---

Segment Financials

Revenue by Segment

$ Mil20242023202220212020
Single Segment29,77127,518   
Revenues from other value added services  1,9691,5361,673
Transaction revenues  23,40219,91816,099
Total29,77127,51825,37121,45417,772


Price Behavior

PYPL Betas & Captures as of 9/30/2025

 1M2M3M6M1Y3Y
Beta0.471.221.511.181.181.28
Up Beta1.742.041.031.101.101.21
Down Beta2.951.441.021.111.211.24
Up Capture-52%55%110%124%105%152%
Bmk +ve Days13233574144420
Stock +ve Days8173065129391
Down Capture52%127%266%145%122%108%
Bmk -ve Days8192952107330
Stock -ve Days13253360121359

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively

Short Interest

Short Interest: As Of Date9302025
Short Interest: Shares Quantity34,624,386
Short Interest: % Change Since 915202516.0%
Average Daily Volume14,765,133
Days-to-Cover Short Interest2.35
Basic Shares Quantity969,000,000
Short % of Basic Shares3.6%

Returns Analyses

Earnings Returns History

Expand for More

 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
7/29/2025-8.7%-13.1%-10.3%
4/29/20252.1%5.6%10.0%
2/4/2025-13.2%-12.6%-22.4%
10/29/2024-4.0%-6.5%4.0%
7/30/20248.6%2.6%21.5%
4/30/20241.4%-2.1%-8.9%
2/7/2024-11.2%-6.9%-6.7%
11/1/20236.6%6.6%15.5%
...
SUMMARY STATS   
# Positive131110
# Negative111314
Median Positive4.3%6.6%10.4%
Median Negative-10.5%-7.4%-9.1%
Max Positive14.0%13.4%21.6%
Max Negative-24.6%-31.6%-42.4%

SEC Filings

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Report DateFiling DateFiling
6302025729202510-Q 6/30/2025
3312025429202510-Q 3/31/2025
12312024204202510-K 12/31/2024
93020241029202410-Q 9/30/2024
6302024730202410-Q 6/30/2024
3312024430202410-Q 3/31/2024
12312023208202410-K 12/31/2023
93020231102202310-Q 9/30/2023
6302023803202310-Q 6/30/2023
3312023509202310-Q 3/31/2023
12312022210202310-K 12/31/2022
93020221104202210-Q 9/30/2022
6302022803202210-Q 6/30/2022
3312022428202210-Q 3/31/2022
12312021203202210-K 12/31/2021
93020211109202110-Q 9/30/2021

Insider Activity

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 OwnerTitleFiling DateActionPriceSharesTransacted
Value		Value of
Held Shares		Form
0Kereere SuzanPresident, Global Markets8202025Sell69.313,832265,5963,383,234Form
1Kereere SuzanPresident, Global Markets6092025Sell73.244,162304,8273,550,924Form
2Scotti DiegoEVP, GM, Consumer Group6092025Sell73.243,839281,1581,244,230Form
3MCGOVERN GAIL J 2282025Sell72.152,446176,4792,145,308Form

Industry Resources

External Quote Links


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