Tearsheet
Investment Highlights Market Valuation Price Chart Business Description Interactive Breakdown Latest Trefis Analyses Better Bets vs. PYPL 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 (9/13/2025): $66.96 | Market Cap: $64.9 Bil
Sector: Financials | Industry: Transaction & Payment Processing Services

PayPal (PYPL)

Market Price (9/13/2025): $66.96
Market Cap: $64.9 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 7.2%, FCF Yield is 8.2%		 Weak multi-year price returns
2Y Excs Rtn is -38%, 3Y Excs Rtn is -95%		 
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 37%		  
0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 7.2%, FCF Yield is 8.2%
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 37%
3 Weak multi-year price returns
2Y Excs Rtn is -38%, 3Y Excs Rtn is -95%

Market Valuation

 9/13/252024202320222021
Share Price CYE$66.96$85.35$61.41$71.22$188.58
Market Cap CYE ($ Bil)64.985.066.381.1221.4
Total Debt ($ Bil)11.39.99.710.48.0
Total Cash ($ Bil)10.010.814.110.99.4
Enterprise Value ($ Bil)66.294.976.091.5229.4
Valuation Ratios     
P/S TTM2.02.82.33.08.7
P/EBIT TTM10.315.411.822.451.1
P/E TTM13.921.215.934.053.1
Sector Ratios     
P/S TTM (Sector)3.23.12.82.83.4
P/EBIT TTM (Sector)7.06.97.17.17.0
P/E TTM (Sector)12.911.610.29.410.0
 9/13/2520242023
Share Price CYE$66.96$85.35$61.41
Market Cap CYE ($ Bil)64.985.066.3
Total Debt ($ Bil)11.39.99.7
Total Cash ($ Bil)10.010.814.1
Enterprise Value ($ Bil)66.294.976.0
Valuation Ratios   
P/S TTM2.02.82.3
P/EBIT TTM10.315.411.8
P/E TTM13.921.215.9
Sector Ratios   
P/S TTM (Sector)3.23.12.8
P/EBIT TTM (Sector)7.06.97.1
P/E TTM (Sector)12.911.610.2

Market Cap Chart

Business Description

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. Show more

Price Returns Compared

Expand for Detailed View

 202020212022202320242025Total [1]
Returns
PYPL Return117%-19%-62%-14%39%-21%-35%
Peers Return38%28%-27%50%26%12%173%
S&P 500 Return16%27%-19%24%23%12%101%

[1] Cumulative total returns since the beginning of 2020
[2] Peers: GOOGL, AMZN, INTU, V, MA. See PYPL Returns vs. Peers.
[3] 2025 data is for the year up to 9/12/2025 (YTD)

Latest Trefis Analyses

TitleTopicDate
0DASHBOARDS  
1PayPal Earnings Notes  
2PayPal vs Duke Energy: Which Is A Better Investment?Counter-Intuitive Comparisons 
3PayPal vs Apollo Asset Management: Which Is A Better Investment?Counter-Intuitive Comparisons 
4PYPL Pulls Back to Support. Smart Time to Enter?Actionable 
5How Does PYPL Stack Up Against Its Peers?Peer Comparison 
6Better Bet Than PYPL Stock: Pay Less Than PayPal To Get More From EXC, OKE   
7Better Bet Than PYPL Stock: Pay Less Than PayPal To Get More From IBKR, SNEX   
8Better Bet Than PYPL Stock: Pay Less Than PayPal To Get More From EEFT   
9PYPL Down 5.3% In A Month. How Confident Are You In The Stock?Return 
10Day 9 of Gains Streak for PayPal Stock with 7.2% Return (vs. -8.4% YTD) [7/28/2025]Notification 
11ARTICLES  
12PYPL At Price Support Zone, Right Time To Buy? August 16th, 2025
13PYPL’s 8.7% One Day Dip Begs The Question: Is EVTC Better Instead? July 30th, 2025
14PYPL Down 8.7% In A Day. How Confident Are You In The Stock? July 30th, 2025
15PYPL Stock Up 7.2% after 9-Day Win Streak July 29th, 2025
16PYPL Stock Up 6.9% after 8-Day Win Streak July 26th, 2025
Title
0DASHBOARDS
1PYPL At Price Support Zone, Right Time To Buy?
2PYPL’s 8.7% One Day Dip Begs The Question: Is EVTC Better Instead?
3PYPL Down 8.7% In A Day. How Confident Are You In The Stock?
4PYPL Stock Up 7.2% after 9-Day Win Streak
5PYPL Stock Up 6.9% after 8-Day Win Streak
6ARTICLES
7PayPal Earnings Notes
8PayPal vs Duke Energy: Which Is A Better Investment?
9PayPal vs Apollo Asset Management: Which Is A Better Investment?
10PYPL Pulls Back to Support. Smart Time to Enter?
11How Does PYPL Stack Up Against Its Peers?
12Better Bet Than PYPL Stock: Pay Less Than PayPal To Get More From EXC, OKE 
13Better Bet Than PYPL Stock: Pay Less Than PayPal To Get More From IBKR, SNEX 
14Better Bet Than PYPL Stock: Pay Less Than PayPal To Get More From EEFT 
15PYPL Down 5.3% In A Month. How Confident Are You In The Stock?
16Day 9 of Gains Streak for PayPal Stock with 7.2% Return (vs. -8.4% YTD) [7/28/2025]

Recent Active Movers

1 Week Top Gainers

#TickerCompany1W RtnYTD Rtn
1OCTOEightco900.0%562.1%
2QMMMQMMM875.3%5698.4%
3WLDSWearable Devices780.4%8.0%
4CWDCaliberCos268.8%-45.1%
5AIREReAlpha Tech257.5%-49.8%
6PTNMPitanium154.0% 
7OPIOffice Properties Income Trust144.0%-42.6%
8HYPDHyperion DeFi144.0% 
9ISPCiSpecimen128.4%-26.6%
10EDHLEverbright Digital127.6% 

1 Week Top Losers

#TickerCompany1W RtnYTD Rtn
1DGNXDiginex-85.6% 
2LGCLLucas GC-69.1%-76.6%
3YYGHYY-68.7%-76.6%
4BINIBollinger Innovations-61.6%-100.0%
5IPDNProfessional Diversity Network-54.5%-41.4%
6INHDInno-53.4%-4.4%
7CDTCDT Equity-49.2%-99.4%
8NFENew Fortress Energy-46.5%-91.3%
9TGHLGrowhub-44.8% 
10SLXNSilexion Therapeutics-43.1%-86.5%

1 Month Top Gainers

#TickerCompany1M RtnYTD Rtn
1PMIPicard Medical11249.2%11249.2%
2GIBOGIBO7400.0% 
3LNZALanzaTech Global4710.5%-85.8%
4CHSNChanson International3717.0%-99.3%
5QMMMQMMM2669.4%5698.4%
6VTAKCatheter Precision1332.7%-71.4%
7CURXCuranex Pharmaceuticals1309.0%1309.0%
8OCTOEightco811.9%562.1%
9WLDSWearable Devices708.6%8.0%
10PTNMPitanium423.7% 

1 Month Top Losers

#TickerCompany1M RtnYTD Rtn
1BINIBollinger Innovations-93.4%-100.0%
2ETSElite Express-92.8%-92.8%
3CJETChijet Motor-92.7%-94.6%
4ELPWElong Power-91.7%-75.8%
5STFSStar Fashion Culture-91.4%-97.8%
6JEM707 Cayman-90.4%-98.0%
7FLYEFly-E-90.4%-82.8%
8NXTTNext Technology-89.3%-93.8%
9NUTRNusaTrip-87.2%-87.2%
10CUPRCuprina-84.3% 

Recent Active Movers

1 Week Top Gainers

#TickerCompany1W RtnYTD Rtn
1OCTOEightco900.0%562.1%
2QMMMQMMM875.3%5698.4%
3WLDSWearable Devices780.4%8.0%
4CWDCaliberCos268.8%-45.1%
5AIREReAlpha Tech257.5%-49.8%
6PTNMPitanium154.0% 
7OPIOffice Properties Income Trust144.0%-42.6%
8HYPDHyperion DeFi144.0% 
9ISPCiSpecimen128.4%-26.6%
10EDHLEverbright Digital127.6% 

1 Week Top Losers

#TickerCompany1W RtnYTD Rtn
1DGNXDiginex-85.6% 
2LGCLLucas GC-69.1%-76.6%
3YYGHYY-68.7%-76.6%
4BINIBollinger Innovations-61.6%-100.0%
5IPDNProfessional Diversity Network-54.5%-41.4%
6INHDInno-53.4%-4.4%
7CDTCDT Equity-49.2%-99.4%
8NFENew Fortress Energy-46.5%-91.3%
9TGHLGrowhub-44.8% 
10SLXNSilexion Therapeutics-43.1%-86.5%

More From Trefis

Research & Analysis

Invest in Strategies

Wealth Management

Peer Comparisons for PayPal

Financials

PYPLGOOGLAMZNINTUVMAMedian
NamePayPal Alphabet Amazon.c.Intuit Visa Masterca. 
Mkt Price66.89240.80228.15646.03339.43580.41290.12
Mkt Cap64.82,919.02,426.8180.9625.6529.3577.5
Rev LTM32,292371,399670,03818,83138,89329,06935,592
Op Inc LTM6,161121,37076,1904,94225,86416,87021,367
FCF LTM5,29266,72813,4816,08322,08314,31513,898
FCF 3Y Avg5,21666,20321,6775,16819,89911,70415,802
CFO LTM6,066133,708121,1376,20723,48515,48819,486
CFO 3Y Avg5,899112,63696,9775,37921,13412,85116,992

Growth & Margins

PYPLGOOGLAMZNINTUVMAMedian
NamePayPal Alphabet Amazon.c.Intuit Visa Masterca. 
Rev Chg LTM4.1%13.1%10.9%15.6%11.4%13.1%12.3%
Rev Chg 3Y Avg7.0%10.2%11.3%14.0%11.5%13.5%11.4%
Rev Chg Q5.1%13.8%13.3%20.3%14.3%14.2%14.0%
QoQ Delta Rev Chg LTM1.3%3.2%3.0%3.6%3.4%3.2%3.2%
Op Mgn LTM19.1%32.7%11.4%26.2%66.5%58.0%29.5%
Op Mgn 3Y Avg17.8%29.4%7.9%23.9%66.8%58.0%26.6%
QoQ Delta Op Mgn LTM0.3%0.0%0.3%0.5%-0.0%0.1%0.2%
CFO/Rev LTM18.8%36.0%18.1%33.0%60.4%53.3%34.5%
CFO/Rev 3Y Avg19.2%34.1%15.8%32.7%60.1%49.5%33.4%
FCF/Rev LTM16.4%18.0%2.0%32.3%56.8%49.2%25.1%
FCF/Rev 3Y Avg16.9%20.3%3.5%31.4%56.6%45.1%25.9%

Valuation

PYPLGOOGLAMZNINTUVMAMedian
NamePayPal Alphabet Amazon.c.Intuit Visa Masterca. 
Mkt Cap64.82,919.02,426.8180.9625.6529.3577.5
P/S2.07.93.69.616.118.28.7
P/EBIT10.320.828.535.625.132.326.8
P/E13.925.334.446.830.840.332.6
P/CFO10.721.820.029.126.634.224.2
Total Yield7.2%4.3%2.9%2.8%3.8%2.5%3.4%
Dividend Yield0.0%0.3%0.0%0.7%0.6%0.0%0.2%
FCF Yield 3Y Avg7.8%3.5%1.1%3.0%4.1%2.7%3.3%
D/E0.20.00.10.00.00.00.0
Net D/E0.0-0.00.00.00.00.00.0

Returns

PYPLGOOGLAMZNINTUVMAMedian
NamePayPal Alphabet Amazon.c.Intuit Visa Masterca. 
1M Rtn-5.3%19.3%1.6%-9.2%-0.9%0.4%-0.2%
3M Rtn-5.6%38.0%7.6%-14.2%-3.6%3.4%-0.1%
6M Rtn-3.0%45.8%15.3%8.2%2.6%10.3%9.3%
12M Rtn-4.9%56.4%22.0%0.6%19.8%18.6%19.2%
3Y Rtn-29.6%132.4%79.9%53.5%74.3%81.6%77.1%
1M Excs Rtn-7.1%17.5%-0.2%-11.0%-2.7%-1.4%-2.1%
3M Excs Rtn-19.5%28.3%-1.9%-24.5%-17.4%-10.3%-13.8%
6M Excs Rtn-19.3%29.0%-1.6%-7.8%-15.6%-7.3%-7.5%
12M Excs Rtn-22.7%42.9%7.3%-17.2%-0.0%-0.2%-0.1%
3Y Excs Rtn-95.0%56.1%10.8%-14.0%8.2%14.4%9.5%

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 8/31/2025

 1M2M3M6M1Y3Y
Beta1.501.962.021.231.201.28
Up Beta1.670.911.241.061.091.22
Down Beta1.000.591.581.081.171.17
Up Capture152%214%200%165%138%180%
Bmk +ve Days10223571142415
Stock +ve Days9213666132392
Down Capture166%394%311%144%124%107%
Bmk -ve Days11192754106334
Stock -ve Days12202659116358

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

Short Interest

Short Interest: As Of Date8292025
Short Interest: Shares Quantity30,966,009
Short Interest: % Change Since 81520252.8%
Average Daily Volume7,931,083
Days-to-Cover Short Interest3.90
Basic Shares Quantity969,000,000
Short % of Basic Shares3.2%

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%

Insider Activity

Expand for More

 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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