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PayPal Holdings, Inc. logo

PayPal Holdings, Inc.

PYPL

NASDAQFinancial ServicesFinancial - Credit Services

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Previous close

$61.55

−$0.75 · -1.20%

Aug 21, 4:00 PM ET

PYPL company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

100

Deep Value

Momentum

38

Weakening

Sentiment

65

Bullish

Risk resilience

53

Elevated Risk

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Company profile

Company website

PayPal Holdings, Inc. provides a worldwide technological framework that facilitates digital financial transactions for both businesses and individual users. The company offers a wide array of payment services through well-known brands such as PayPal, PayPal Credit, Braintree, Venmo, Xoom, Zettle, Hyperwallet, Honey, and Paidy. Through its extensive platform, consumers are able to send and receive funds across roughly 200 global markets and in approximately 100 different currencies. Additionally, users can transfer money to their bank accounts in 56 currencies and maintain account balances in 25 distinct currencies within their PayPal accounts. Founded in 1998, the company's corporate headquarters are situated in San Jose, California.

Industry
Financial - Credit Services
Sector
Financial Services
Headquarters
US
CEO
Enrique J. Lores
Listed since
Jul 6, 2015
Employees
23,800

Market position

Day range

Current $61.55

52-week range

Current $61.55

Open
$62.40
Previous close
$62.30
Volume
11.48M
0.74× average
Average volume
15.49M
Average daily volume
Market cap
52.65B USD
Beta
1.3
Market reference 1
50-day average
$52.0234
+18.31% above average
200-day average
$51.4461
+19.64% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
57.92B USD
EV / EBITDA
7.53×
Earnings yield
9.35%
Free cash flow yield
9.94%

Profitability & efficiency

Return on equity
25.83%
Return on assets
6.53%
Return on invested capital
14.95%

Financial health

Current ratio
1.29×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends60%41%23%4%Gross margin, FY2021: 55.17%Gross margin, FY2022: 50.05%Gross margin, FY2023: 46.03%Gross margin, FY2024: 46.10%Gross margin, FY2025: 46.62%Operating margin, FY2021: 16.80%Operating margin, FY2022: 13.94%Operating margin, FY2023: 16.89%Operating margin, FY2024: 16.75%Operating margin, FY2025: 18.28%Net margin, FY2021: 16.43%Net margin, FY2022: 8.79%Net margin, FY2023: 14.26%Net margin, FY2024: 13.04%Net margin, FY2025: 15.78%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 55.17%. Gross margin FY2022 50.05%. Gross margin FY2023 46.03%. Gross margin FY2024 46.10%. Gross margin FY2025 46.62%. Operating margin FY2021 16.80%. Operating margin FY2022 13.94%. Operating margin FY2023 16.89%. Operating margin FY2024 16.75%. Operating margin FY2025 18.28%. Net margin FY2021 16.43%. Net margin FY2022 8.79%. Net margin FY2023 14.26%. Net margin FY2024 13.04%. Net margin FY2025 15.78%.

Income trends

Revenue

33.17B USD+4.32%

Operating income

6.07B USD+13.90%

Net income

5.23B USD+26.19%
Income trends across reported periods36.25B USD23.95B USD11.64B USD−656.3M USDRevenue, FY2021: 25.37B USDRevenue, FY2022: 27.52B USDRevenue, FY2023: 29.77B USDRevenue, FY2024: 31.8B USDRevenue, FY2025: 33.17B USDOperating income, FY2021: 4.26B USDOperating income, FY2022: 3.84B USDOperating income, FY2023: 5.03B USDOperating income, FY2024: 5.33B USDOperating income, FY2025: 6.07B USDNet income, FY2021: 4.17B USDNet income, FY2022: 2.42B USDNet income, FY2023: 4.25B USDNet income, FY2024: 4.15B USDNet income, FY2025: 5.23B USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 25.37B USD. Revenue FY2022 27.52B USD. Revenue FY2023 29.77B USD. Revenue FY2024 31.8B USD. Revenue FY2025 33.17B USD. Operating income FY2021 4.26B USD. Operating income FY2022 3.84B USD. Operating income FY2023 5.03B USD. Operating income FY2024 5.33B USD. Operating income FY2025 6.07B USD. Net income FY2021 4.17B USD. Net income FY2022 2.42B USD. Net income FY2023 4.25B USD. Net income FY2024 4.15B USD. Net income FY2025 5.23B USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue33.17B USD31.8B USD29.77B USD27.52B USD25.37B USD
Cost of goods sold17.71B USD17.14B USD16.07B USD13.75B USD11.38B USD
Gross profit15.47B USD14.66B USD13.7B USD13.77B USD14B USD
Research and development3.1B USD2.98B USD2.97B USD3.25B USD3.04B USD
Selling, general, and administrative4.26B USD4.15B USD3.87B USD4.36B USD4.56B USD
Operating expenses9.4B USD9.33B USD8.68B USD9.94B USD9.73B USD
Interest income517M USD662M USD480M USD174M USD57M USD
Interest expense441M USD382M USD347M USD304M USD232M USD
Depreciation and amortization963M USD1.03B USD1.07B USD1.32B USD1.27B USD
Operating income6.07B USD5.33B USD5.03B USD3.84B USD4.26B USD
Net income5.23B USD4.15B USD4.25B USD2.42B USD4.17B USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
91%
10 beats, 1 miss, 0 met estimates
Average EPS surprise
+9.55%
11 comparable reports
Latest EPS result
1.38
Estimate 1.28 · Beat by 7.81%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates1.461.321.191.05Q1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26MissQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 4, 2025: actual 1.19, estimate 1.11, surprise +7.21%, Beat. Q2 2025, reported Apr 29, 2025: actual 1.33, estimate 1.16, surprise +14.66%, Beat. Q3 2025, reported Jul 29, 2025: actual 1.4, estimate 1.3, surprise +7.69%, Beat. Q4 2025, reported Oct 28, 2025: actual 1.34, estimate 1.2, surprise +11.67%, Beat. Q1 2026, reported Feb 3, 2026: actual 1.23, estimate 1.29, surprise -4.65%, Miss. Q2 2026, reported May 5, 2026: actual 1.34, estimate 1.28, surprise +4.69%, Beat. Q3 2026, reported Jul 28, 2026: actual 1.38, estimate 1.28, surprise +7.81%, Beat. Q4 2026, reported Oct 27, 2026: actual —, estimate 1.32, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates9.14B8.57B8.01B7.44BQ1 '25BeatQ2 '25MissQ3 '25BeatQ4 '25BeatQ1 '26MissQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 4, 2025: actual 8.37B USD, estimate 8.26B USD, surprise +1.31%, Beat. Q2 2025, reported Apr 29, 2025: actual 7.79B USD, estimate 7.85B USD, surprise -0.74%, Miss. Q3 2025, reported Jul 29, 2025: actual 8.29B USD, estimate 8.08B USD, surprise +2.52%, Beat. Q4 2025, reported Oct 28, 2025: actual 8.42B USD, estimate 8.24B USD, surprise +2.20%, Beat. Q1 2026, reported Feb 3, 2026: actual 8.68B USD, estimate 8.79B USD, surprise -1.28%, Miss. Q2 2026, reported May 5, 2026: actual 8.35B USD, estimate 8.05B USD, surprise +3.77%, Beat. Q3 2026, reported Jul 28, 2026: actual 8.68B USD, estimate 8.47B USD, surprise +2.46%, Beat. Q4 2026, reported Oct 27, 2026: actual —, estimate 8.72B USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$56.87

7.60% downside
Past 12 months12-month forecastHigh $70.00Average $56.87Low $45.00

Rating distribution

70 ratings
Strong buy00%
Buy2536%
Hold4260%
Sell34%
Strong sell00%

Recent analyst actions

12 institutions

PYPL news

defenseworld.net

B. Metzler seel. Sohn & Co. AG Makes New $2.84 Million Investment in PayPal Holdings, Inc. $PYPL

B. Metzler seel. Sohn and Co. AG acquired a new stake in shares of PayPal Holdings, Inc. (NASDAQ: PYPL) during the undefined quarter, according to its most recent filing with the SEC. The institutional investor acquired…

Read source
zacks.com

PayPal Agentic Payments: Can They Reshape the Future of Commerce?

PYPL's agentic payments strategy reshapes commerce as AI, identity and new payment technologies gain traction.

Read source
benzinga.com

David Einhorn's PayPal Bet Just Flashed a Golden Cross

PayPal Holdings Inc. (NASDAQ:PYPL) has added another milestone to its recent comeback. The payments giant has formed a Golden Cross —a widely followed technical pattern that occurs when a stock's 50-day moving average…

Read source
benzinga.com

PayPal Stock Closes Higher Thursday: What's Driving PYPL Gains?

PayPal Holdings Inc (NASDAQ:PYPL) shares closed higher on Thursday as deal chatter continued around a potential sale process.

Read source
247wallst.com

Klarna Slides 5%, Affirm Slips 3%, but PayPal Stays in the Green: Is a Rotation in BNPL Stocks Afoot?

A sustained rotation toward established financial companies could leave Klarna and Affirm with more work to do before their stocks regain momentum.

Read source
zacks.com

PayPal Deepens College Push: Can Tuition Payments Drive More Volume?

PYPL expands tuition payments through new integrations, bringing PayPal and Venmo to more college portals.

Read source

Corporate actions

Corporate action history

DividendUpcoming

Ex-dividend Sep 4, 2026

$0.14

Quarterly

Record Sep 4, 2026 · Payment Sep 25, 2026

Dividend

Ex-dividend Jun 4, 2026

$0.14

Quarterly

Record Jun 4, 2026 · Payment Jun 25, 2026

Dividend

Ex-dividend Mar 4, 2026

$0.14

Quarterly

Record Mar 4, 2026 · Payment Mar 25, 2026

Dividend

Ex-dividend Nov 19, 2025

$0.14

Quarterly

Record Nov 19, 2025 · Payment Dec 10, 2025

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ETFs holding PYPL

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
1.45B
Weight
0.06%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
Vanguard S&P 500 ETF logoVanguard S&P 500 ETFVOO
Market value
1.19B
Weight
0.07%
AUM
1.7T USD
Expense ratio
0.03%
Price / 1D
$703.71+0.39%
Invesco QQQ Trust, Series 1 logoInvesco QQQ Trust, Series 1QQQ
Market value
1.18B
Weight
0.24%
AUM
485.41B USD
Expense ratio
0.18%
Price / 1D
$713.44+0.35%
iShares Core S&P 500 ETF logoiShares Core S&P 500 ETFIVV
Market value
740.73M
Weight
0.08%
AUM
891.84B USD
Expense ratio
0.03%
Price / 1D
$769.31+0.39%
State Street SPDR S&P 500 ETF logoState Street SPDR S&P 500 ETFSPY
Market value
683.46M
Weight
0.08%
AUM
817.87B USD
Expense ratio
0.09%
Price / 1D
$765.72+0.41%
Vanguard Morningstar Mid-Cap ETF logoVanguard Morningstar Mid-Cap ETFVO
Market value
665.8M
Weight
0.29%
AUM
224.7B USD
Expense ratio
0.03%
Price / 1D
$82.97+0.53%
State Street Financial Select Sector SPDR ETF logoState Street Financial Select Sector SPDR ETFXLF
Market value
379.29M
Weight
0.68%
AUM
55.49B USD
Expense ratio
0.08%
Price / 1D
$57.48+0.93%
First Trust Rising Dividend Achievers ETF logoFirst Trust Rising Dividend Achievers ETFRDVY
Market value
322.45M
Weight
1.27%
AUM
25.43B USD
Expense ratio
0.47%
Price / 1D
$81.95+0.55%

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