80/100B59.275
USD
0.98
(1.67%)
Post Trading·59.150USD-0.125(-0.21%)
Last updated: · Delayed 15 min
Fair value59.27Plus+0%59Price 59.2860
Q4 FY2026 · Earnings report
EPS estimate 1.43Revenue estimate 8.91B
Q4 FY2026 · Earnings report
EPS estimate 1.43Revenue estimate 8.91B
If you had invested in PayPal Holdings ago, it would be worth $1,495 today, against $4,081 in SPY and $6,291 in QQQ.
Arincen ScoreWhat is the Arincen Score? The Arincen Score grades a company out of 100 from 30 checks on its own reported figures, five checks in each of six parts.Beta
80/100
Six parts of the company, five checks each, from its own reported figures. A part scores the checks it passes out of 10; the score is their average out of 100.
Profitability10
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Cash10
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Valuation6
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Growth8
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Financial strength8
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Shareholders6
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Figures to FY2025; the price as of today.
PayPal Holdings key facts
- StyleWhat does a stock's style mean? The style label sorts a stock as growth, value, dividend, blend or speculative, with a 1 to 10 meter showing how strongly it fits.
- Value stock · 8.7/10Growth 4.2 · Value 8.7 · Dividend 2.8
- Day range
- 58.510 – 59.470
- 52-week range
- 38.460 – 67.990
- Market capitalizationWhat is market capitalization? Market cap is what the stock market values a whole company at: its share price times the number of its shares outstanding.
- 49.24B USD
- P/EWhat is the P/E ratio? The P/E ratio divides a share's price by its earnings per share over the last year: what you pay for each dollar of profit.
- 11.23
- PEG ratioWhat is the PEG ratio? The PEG ratio divides the P/E by the yearly earnings growth analysts expect, to show how much you pay for each point of growth.
- 2.27
- EPSWhat is EPS (earnings per share)? EPS (earnings per share) is a company's net income divided by its number of shares: the profit that belongs to each share over a period.
- 5.28
- Div YieldWhat is dividend yield? Dividend yield is a year of dividends as a percentage of the share price: the income a shareholder receives for each dollar invested at today's price.
- 0.94%
- EPS growth forecast (FY2026)
- +5.5%
- Volume
- 254,228
- BetaWhat is beta in stocks? Beta measures how much a stock tends to move when the whole market moves: 1 moves with it, under 1 is calmer, over 1 swings more.
- 1.32
- ESG scoreWhat is an ESG score? An ESG score rates how a company handles the environment, its people and its governance, out of 100. Higher is better.
- 53.5/100Environment 49 · Social 55 · Governance 57
- Sector
- Financial Services
- Industry
- Financial - Credit Services
- CEO
- Enrique J. Lores
- Employees
- 24K
- Website
- paypal.com
- IPO date
- 6 Jul 2015
PayPal Holdings earningsWhat is an earnings surprise? An earnings surprise is how far a company's reported EPS or revenue came above or below the analysts' average estimate, in percent.
Next earnings · Q4 FY2026
EPS estimate
1.43 USD
Revenue estimate
8.91B USD
Last quarter · Q3 FY2026
EPS1.45Beat +10.7%Revenue8.58BMissed -1.5%
Revenue
ReportedEstimate
EPS
ReportedEstimate
| Period | Report date | EPS estimate | Reported EPS | Surprise | EPS growth | Revenue estimate | Reported revenue | Surprise | Revenue growth |
|---|---|---|---|---|---|---|---|---|---|
| Q3 FY2027 | 1.53 | — | — | +5.63% | 8.99B | — | — | +4.74% | |
| Q2 FY2027 | 1.47 | — | — | +6.66% | 9.01B | — | — | +3.78% | |
| Q1 FY2027 | 1.44 | — | — | +7.20% | 8.64B | — | — | +3.39% | |
| Q4 FY2026 | 1.43 | — | — | +16.26% | 8.91B | — | — | +2.74% | |
| Q3 FY2026 | 1.31 | 1.45 | +10.69% | +8.21% | 8.71B | 8.58B | -1.50% | +1.98% | |
| Q2 FY2026 | 1.28 | 1.38 | +7.81% | -1.43% | 8.47B | 8.68B | +2.46% | +4.75% | |
| Q1 FY2026 | 1.28 | 1.34 | +4.69% | +0.75% | 8.05B | 8.35B | +3.77% | +7.21% | |
| Q4 FY2025 | 1.29 | 1.23 | -4.65% | +3.36% | 8.79B | 8.68B | -1.28% | +3.71% | |
| Q3 FY2025 | 1.20 | 1.34 | +11.67% | +11.67% | 8.24B | 8.42B | +2.20% | +7.26% | |
| Q2 FY2025 | 1.30 | 1.40 | +7.69% | +17.65% | 8.08B | 8.29B | +2.52% | +5.42% |
| Period | EPS estimate | Reported EPS | Surprise | EPS growth | Revenue estimate | Reported revenue | Surprise | Revenue growth |
|---|---|---|---|---|---|---|---|---|
| FY2028 | 6.45 | — | — | +8.69% | 37.54B | — | — | +4.45% |
| FY2027 | 5.93 | — | — | +6.08% | 35.94B | — | — | +4.07% |
| FY2026 | 5.59 | — | — | +5.51% | 34.53B | — | — | +4.10% |
| FY2025 | 5.36 | 5.30 | -1.14% | +6.43% | 33.27B | 33.17B | -0.31% | +4.40% |
| FY2024 | 4.59 | 4.98 | +8.59% | -2.54% | 31.69B | 31.77B | +0.27% | +6.73% |
| FY2023 | 4.98 | 5.11 | +2.60% | +23.73% | 29.61B | 29.77B | +0.53% | +8.19% |
| FY2022 | 4.08 | 4.13 | +1.11% | -10.02% | 27.52B | 27.52B | -0.01% | +8.46% |
Analysts' estimates for FY2026 over the last 7 days:EPS Revenue How the estimates moved
PayPal Holdings analyst forecastWhat is the analyst rating? The analyst rating sums up what the analysts covering a stock recommend, from strong buy to strong sell, by the share of them rating it a buy.
12-month price target
57.00 USD
-3.84%
Analysts' 1-year price targets range from 45.00 to 70.00, with an average of 57.00.
Past year
1-year forecast
Strong sellStrong buy
Hold
28 ratings
| Buy | 3 | |
| Hold | 21 | |
| Sell | 4 |
12-month price target
| Highest target | 70.00 |
| Average target | 57.00 |
| Lowest target | 45.00 |
| Current price | 59.28 |
PayPal Holdings valuationWhat is the P/E ratio? The P/E ratio divides a share's price by its earnings per share over the last year: what you pay for each dollar of profit.
- Price to earnings ratio (TTM)What is the P/E ratio? The P/E ratio divides a share's price by its earnings per share over the last year: what you pay for each dollar of profit.
- 11.23
- Forward P/E (FY2026)What is the forward P/E ratio? Forward P/E divides a share's price by the earnings per share analysts expect in the coming year, rather than last year's actual earnings.
- 10.60
- Price to sales (TTM)What is the P/S ratio? The price-to-sales ratio compares a company's market value with its revenue over the last year: what you pay for each dollar of sales.
- 1.44
- Price to bookWhat is the P/B ratio? The price-to-book ratio compares a company's market value with its book value, the shareholders' equity on its balance sheet.
- 2.53
- EV / EBITDA (TTM)What is EV/EBITDA? EV/EBITDA compares a company's whole value, debt included and cash taken off, with a year of its earnings before interest, tax and depreciation.
- 7.02
Capital structureWhat is enterprise value? Enterprise value is what the whole business costs: the market value of its shares plus its debt minus its cash. It is the price behind EV/EBITDA.
Market capitalization
49.24B USD
+
Total debt
13.47B USD
−
Cash and short-term investments
10.28B USD
=
Enterprise value
52.43B USD
Valuation over time
P/EForward P/EForward P/E · EstimateEstimate
PayPal Holdings against its own historyWhat does "against its own history" show? The company's latest margins, return on equity, growth, debt and P/E against its own last 5 years: the low, the median and the high, and whether this year is better or worse than usual.
Each figure in the latest fiscal year against the same figure from FY2021 to FY2025: the range, its median (the line) and the latest (the dot, green on the good side of the median). The P/E is today's against its daily readings of five years.
Its peers: Global Payments, Synchrony Financial, El Paso Energy Capital Trust I PFD CV TR SECS, SoFi Technologies, Affirm Holdings, and Capital One Financial, the US Financial - Credit Services companies closest to it in size, each in its own latest fiscal year: their median (the line) and its rank among them, first being the best.
- P/E (today)At its median11.211.111.4
- Gross marginAt its median46.6%46.0%55.2%Against its peers: 6 of 7Peers' median 60.1%
- Operating marginHighest in 5 years18.3%13.9%18.3%Against its peers: 5 of 7Peers' median 20.6%
- Net marginAbove its median15.8%8.8%16.4%Against its peers: 4 of 7Peers' median 14.1%
- Return on equityHighest in 5 years25.8%11.9%25.8%Against its peers: 2 of 7Peers' median 5.4%
- Free cash flow marginBelow its median16.8%14.2%21.3%Against its peers: 6 of 7Peers' median 25.8%
- Revenue growthLowest in 5 years4.3%4.3%18.3%Against its peers: 5 of 7Peers' median 17.3%
- EPS growthAbove its median35.6%-40.6%83.7%Against its peers: 2 of 7Peers' median -2.7%
- Debt to EBITDALowest in 5 years1.30×1.30×2.09×Against its peers: 1 of 7Peers' median 6.55×
- Current ratioAbove its median1.291.221.29Against its peers: 3 of 7Peers' median 0.23
Peers: US companies of the same industry (of its sector when the industry has too few) from a tenth to ten times its market value, the six closest in size. Updated weekly.
PayPal Holdings growth and profitabilityWhat are gross, operating and net profit margins? A profit margin is the share of revenue kept as profit: gross margin after the cost of sales, operating margin after running costs, net margin after all costs.
- Revenue (TTM)What does TTM (trailing twelve months) mean? TTM (trailing twelve months) is a figure over the latest twelve months of reports: usually the last four quarters added together.
- 34.30B USD
- Net income (TTM)What is an income statement? The income statement shows a company's revenue, costs and profit over a quarter or a year, from sales at the top to net income at the bottom.
- 4.73B USD
- Gross marginWhat are gross, operating and net profit margins? A profit margin is the share of revenue kept as profit: gross margin after the cost of sales, operating margin after running costs, net margin after all costs.
- 44.50%
- Operating margin
- 16.99%
- Net margin
- 13.78%
Revenue / Net income
Revenue Net income Net margin
PayPal Holdings revenue breakdown
By product
FY2025
89.8%Transaction Revenue10.2%Other Value Added Services
| Segment | Revenue | Share of revenue | Change on the year |
|---|---|---|---|
| Transaction Revenue | 29.80B | 89.8% | +3.3% |
| Other Value Added Services | 3.37B | 10.2% | +14.2% |
By region
FY2025
56.9%United States43.1%Countries Other Than US And United Kingdom
| Region | Revenue | Share of revenue | Change on the year |
|---|---|---|---|
| United States | 18.87B | 56.9% | +3.3% |
| Countries Other Than US And United Kingdom | 14.30B | 43.1% | +5.7% |
How PayPal Holdings makes its moneyWhat is an income statement? The income statement shows a company's revenue, costs and profit over a quarter or a year, from sales at the top to net income at the bottom.
Transaction Revenue29.80B 89.8%
Other Value Added Services3.37B 10.2%
Revenue33.17B 100.0%
Cost of revenue17.71B 53.4%
Gross profit15.47B 46.6%
Research and development3.10B 9.4%
Selling and administration4.26B 12.8%
Other operating expenses2.04B 6.1%
Operating income6.07B 18.3%
Tax1.06B 3.2%
Net income5.23B 15.8%
FY2025, in USD. Each band is as wide as its money; the percentage is its share of revenue.
FY2025, in USD. Each band is as wide as its money; the percentage is its share of revenue.
PayPal Holdings dividendsWhat is dividend yield? Dividend yield is a year of dividends as a percentage of the share price: the income a shareholder receives for each dollar invested at today's price.
- Annual dividend
- 0.56 USD
- Dividend yield (indicated)What is dividend yield? Dividend yield is a year of dividends as a percentage of the share price: the income a shareholder receives for each dollar invested at today's price.
- 0.94%
- Payout ratioWhat is the payout ratio? The payout ratio is the share of a company's earnings paid out as dividends: dividends per share divided by earnings per share (EPS).
- 13.26%
- Frequency
- Quarterly
- Next payment
- 0.14 USD
- Next ex-dividend dateWhat is the ex-dividend date? The ex-dividend date is the first day a stock trades without its next dividend: buy before it to receive the payment; buy on or after it and the seller gets it.
- 4 Dec 2026
- Next payment date
- 24 Dec 2026
Dividends per share
PayPal Holdings financial health
- Cash and short-term investments
- 10.28B USD
- Total debt
- 13.47B USD
- Net cash
- -3.19B USD
- Free cash flow (TTM)What is free cash flow (FCF)? Free cash flow is the cash a company's operations bring in minus what it spends on long-term assets (capex): cash left for debt, dividends and buybacks.
- 6.30B USD
- Current ratioWhat is the current ratio? The current ratio is current assets divided by current liabilities: whether what a company will turn into cash within a year covers what it owes within a year.
- 1.26
- Debt to equityWhat is the debt to equity ratio? Debt to equity is a company's total debt divided by its shareholders' equity: how much it has borrowed for each dollar its owners have in the business.
- 0.69
- Piotroski scoreWhat is the Piotroski F-Score? The Piotroski F-Score rates a company's financial strength from 0 to 9: one point for each of nine tests of profit, debt and efficiency it passes.
- 7 / 9
- Altman Z-scoreWhat is the Altman Z-Score? The Altman Z-Score rolls five financial ratios into one number that signals a company's risk of bankruptcy: over 3 is safe, under 1.8 is distress.
- 1.95
Cash, debt and free cash flow
Cash and short-term investments Total debt Free cash flow
PayPal Holdings ownershipWhat is institutional ownership? Institutional ownership is the share of a company's stock held by funds, banks and other investment managers, as they report it each quarter on Form 13F.
- InstitutionsWhat is institutional ownership? Institutional ownership is the share of a company's stock held by funds, banks and other investment managers, as they report it each quarter on Form 13F.
- 72.30%
- Institutional holders
- 1,512 (-116)
- Free floatWhat is free float? Free float is the part of a company's shares that anyone can buy and sell: all its shares minus those held by insiders, founders and owners of over 5%.
- 99.87%
Who owns the shares
Institutions 72.3% Others 27.7%
As of 30 Jun 2026
Shares free to trade
Free float 829.62M shares ·99.9% Closely held 1.04M shares ·0.1%
Closely held shares belong to insiders, founders and owners of more than 5%, and seldom change hands. The free float is the rest: the shares anyone can buy and sell.
Insider trading
| Quarter | Purchases | Sales | Shares acquired | Shares disposed of |
|---|---|---|---|---|
| Q4 2026 | 0 | 1 | 12.89K | 19.70K |
| Q3 2026 | 0 | 11 | 63.76K | 110.24K |
| Q2 2026 | 1 | 8 | 1.02M | 139.71K |
| Q1 2026 | 0 | 11 | 2.40M | 561.58K |
Shares outstanding
Basic shares Diluted shares Change in diluted shares
Source: Financial Modeling PrepVerified against SEC filings
Strategic Pips
2 years ago
More
F.S.Wolfes
2 years ago
More
News
Title: PayPal Holdings
Sector: Financial Services
Industry: Financial - Credit Services
PayPal Holdings Inc. develops technological systems for digital payments. This American global financial technology firm’s main operating brands include PayPal, PayPal Credit, Braintree, Venmo, Xoom and Paydiant. The company is at the vanguard of the development of online payment systems that serve as an electronic alternative to paper methods, such as checks and money orders. The company was originally established in 1998 as Confinity, before going public via an IPO four years later. It then became a wholly owned subsidiary of eBay, before a shareholder takeover in 2015 saw PayPal return to being an independent company again. PayPal Holdings Inc. is headquartered in San Jose, California.