Symbols / PYPL $45.32 +0.66%
PYPL Chart
About
PayPal Holdings, Inc. operates a technology platform that enables digital payments for merchants and consumers worldwide. The company operates a two-sided network at scale that connects merchants and consumers that enables its customers to connect, transact, and send and receive payments through online and in person, as well as transfer and withdraw funds using various funding sources, such as bank accounts, PayPal or Venmo account balance, consumer credit and debit products, credit and debit cards, and cryptocurrencies, as well as other stored value products, including gift cards and eligible rewards. It provides payment solutions under the PayPal, PayPal Credit, Braintree, Venmo, Xoom, Hyperwallet, Honey, and Paidy names. The company was founded in 1998 and is headquartered in San Jose, California.
Fundamentals
Scroll to Statements| Sector | Financial Services | Industry | Credit Services | Market Cap | 42.40B |
| Enterprise Value | 43.32B | Income | 5.23B | Sales | 33.17B |
| Book/sh | 22.02 | Cash/sh | 11.32 | Dividend Yield | 124.00% |
| Payout | 2.59% | Employees | 23800 | IPO | — |
| P/E | 8.38 | Forward P/E | 7.81 | PEG | — |
| P/S | 1.28 | P/B | 2.06 | P/C | — |
| EV/EBITDA | 6.52 | EV/Sales | 1.31 | Quick Ratio | 0.24 |
| Current Ratio | 1.29 | Debt/Eq | 60.70 | LT Debt/Eq | — |
| EPS (ttm) | 5.41 | EPS next Y | 5.80 | EPS Growth | 39.40% |
| Revenue Growth | 3.70% | Earnings | 2026-05-05 | ROA | 4.88% |
| ROE | 25.73% | ROIC | — | Gross Margin | 41.48% |
| Oper. Margin | 17.48% | Profit Margin | 15.78% | Shs Outstand | 920.66M |
| Shs Float | 918.66M | Short Float | 5.63% | Short Ratio | 1.89 |
| Short Interest | — | 52W High | 79.50 | 52W Low | 38.46 |
| Beta | 1.46 | Avg Volume | 23.73M | Volume | 3.55M |
| Target Price | $49.91 | Recom | Hold | Prev Close | $45.02 |
| Price | $45.31 | Change | 0.66% |
Valuation Models
Price estimates from analyst targets and simple models.
1. Analyst consensus
$49.91
Mean price target
2. Current target
$45.42
Latest analyst target
3. DCF / Fair value
$64.02
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$45.42
Low
$32.00
High
$100.00
Mean
$49.91
Latest analyst rating changes
| Date | Action | Analyst | Rating Change | Price Target |
|---|---|---|---|---|
| 2026-03-02 | down | KGI Securities | Outperform → Neutral | $55 |
| 2026-02-10 | main | Truist Securities | Sell → Sell | $39 |
| 2026-02-09 | main | Cantor Fitzgerald | Neutral → Neutral | $42 |
| 2026-02-04 | main | Macquarie | Outperform → Outperform | $58 |
| 2026-02-04 | main | Morgan Stanley | Underweight → Underweight | $34 |
| 2026-02-04 | main | Goldman Sachs | Sell → Sell | $41 |
| 2026-02-04 | main | Citigroup | Neutral → Neutral | $42 |
| 2026-02-04 | main | JP Morgan | Neutral → Neutral | $46 |
| 2026-02-04 | down | Citizens | Market Outperform → Market Perform | — |
| 2026-02-04 | main | Wells Fargo | Equal-Weight → Equal-Weight | $48 |
| 2026-02-04 | main | Evercore ISI Group | In-Line → In-Line | $40 |
| 2026-02-04 | reit | Needham | Hold → Hold | — |
| 2026-02-04 | down | Canaccord Genuity | Buy → Hold | $42 |
| 2026-02-03 | main | Macquarie | Outperform → Outperform | $100 |
| 2026-02-03 | reit | BTIG | Neutral → Neutral | — |
| 2026-01-27 | init | Cantor Fitzgerald | — → Neutral | $60 |
| 2026-01-14 | main | Piper Sandler | Neutral → Neutral | $74 |
| 2026-01-13 | down | Daiwa Capital | Outperform → Neutral | $61 |
| 2026-01-08 | main | Susquehanna | Positive → Positive | $90 |
| 2026-01-05 | main | Citigroup | Neutral → Neutral | $60 |
- Affirm Stock Falls 33% YTD: Should Investors Buy the Dip Now? - The Globe and Mail Wed, 11 Mar 2026 16
- Is It Time To Revisit PayPal (PYPL) After Prolonged Share Price Weakness? - Yahoo Finance ue, 10 Mar 2026 17
- The PayPal Value Trap Debate (NASDAQ:PYPL) - Seeking Alpha ue, 10 Mar 2026 14
- PayPal Holdings, Inc. $PYPL Shares Sold by Sienna Gestion - MarketBeat Mon, 09 Mar 2026 12
- PYPL Investors Have Opportunity to Lead PayPal Holdings, Inc. Securities Fraud Lawsuit - Morningstar ue, 10 Mar 2026 18
- PayPal: Feels Like Microsoft In 2012 (NASDAQ:PYPL) - Seeking Alpha ue, 10 Mar 2026 11
- PayPal: A Classic Value Trap (NASDAQ:PYPL) - Seeking Alpha ue, 10 Mar 2026 22
- Class Action Filed Against PayPal Holdings, Inc. (PYPL) - April 20, 2026 Deadline to Join - Contact Levi & Korsinsky - Morningstar Wed, 11 Mar 2026 13
- PayPal Holdings (PYPL) Faces Securities Class Action Amid - GlobeNewswire Wed, 11 Mar 2026 15
- Mastercard recruits 85 partners to new crypto program, including Circle, PayPal (MA:NYSE) - Seeking Alpha Wed, 11 Mar 2026 14
- Should You Buy PayPal (PYPL) Stock Before May 5? - The Motley Fool ue, 24 Feb 2026 08
- PayPal Stock Is Down—But Some Investors Think the Market Is Missing the Bigger Story - Live Media News ue, 10 Mar 2026 08
- PYPL's Generic Risk Warnings Allegedly Failed Investors: Levi & Korsinsky, LLP - Business Wire ue, 10 Mar 2026 20
- PayPal’s stock pops on takeover hopes. Here’s who could swoop in with a purchase. - MarketWatch Mon, 23 Feb 2026 08
- PYPL Stock Declines Pre-Market After Q4 Earnings Miss: PayPal Appoints New CEO - Stocktwits hu, 05 Mar 2026 19
Insider Transactions
| Date | Shares | Value | Url | Text | Insider | Position | Transaction | Start Date | Ownership |
|---|---|---|---|---|---|---|---|---|---|
| 0 | 29581 | 1361370.0 | — | Sale at price 45.19 - 46.82 per share. | KELLER FRANK | Officer | — | 2026-03-03 00:00:00 | D |
| 1 | 13515 | 621984.0 | — | Sale at price 45.18 - 46.80 per share. | KEREERE SUZAN | Officer | — | 2026-03-03 00:00:00 | D |
| 2 | 2208 | 98764.0 | — | Sale at price 44.73 per share. | NATALI CHRIS | Officer | — | 2026-03-03 00:00:00 | D |
| 3 | 33402 | nan | — | — | KELLER FRANK | Officer | — | 2026-02-27 00:00:00 | D |
| 4 | 27610 | nan | — | — | GILL MICHELLE | Officer | — | 2026-02-27 00:00:00 | D |
| 5 | 18407 | nan | — | — | WEBSTER AARON JAMES | Officer | — | 2026-02-27 00:00:00 | D |
| 6 | 27610 | nan | — | — | KEREERE SUZAN | Officer | — | 2026-02-27 00:00:00 | D |
| 7 | 4501 | nan | — | — | NATALI CHRIS | Officer | — | 2026-02-27 00:00:00 | D |
| 8 | 29656 | nan | — | — | MILLER JAMIE S | Chief Operating Officer | — | 2026-02-27 00:00:00 | D |
| 9 | 27610 | nan | — | — | SCOTTI DIEGO | Officer | — | 2026-02-27 00:00:00 | D |
Financials
| Line Item | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| TaxEffectOfUnusualItems | -28.44M | -160.37M | 61.27M | -143.59M |
| TaxRateForCalcs | 0.17 | 0.22 | 0.21 | 0.28 |
| NormalizedEBITDA | 7.87B | 7.47B | 6.54B | 5.50B |
| TotalUnusualItems | -169.00M | -723.00M | 285.00M | -511.00M |
| TotalUnusualItemsExcludingGoodwill | -169.00M | -723.00M | 285.00M | -511.00M |
| NetIncomeFromContinuingOperationNetMinorityInterest | 5.23B | 4.15B | 4.25B | 2.42B |
| ReconciledDepreciation | 963.00M | 1.03B | 1.07B | 1.32B |
| ReconciledCostOfRevenue | 17.71B | 17.14B | 16.07B | 13.74B |
| EBITDA | 7.70B | 6.74B | 6.83B | 4.99B |
| EBIT | 6.73B | 5.71B | 5.76B | 3.67B |
| NetInterestIncome | 76.00M | 280.00M | 133.00M | -130.00M |
| InterestExpense | 441.00M | 382.00M | 347.00M | 304.00M |
| InterestIncome | 517.00M | 662.00M | 480.00M | 174.00M |
| NormalizedIncome | 5.37B | 4.71B | 4.02B | 2.79B |
| NetIncomeFromContinuingAndDiscontinuedOperation | 5.23B | 4.15B | 4.25B | 2.42B |
| TotalExpenses | 26.78B | 26.03B | 24.83B | 23.47B |
| TotalOperatingIncomeAsReported | 6.07B | 5.33B | 5.03B | 3.84B |
| DilutedAverageShares | 968.00M | 1.04B | 1.11B | 1.16B |
| BasicAverageShares | 959.00M | 1.03B | 1.10B | 1.15B |
| DilutedEPS | 5.41 | 3.99 | 3.84 | 2.09 |
| BasicEPS | 5.46 | 4.03 | 3.85 | 2.10 |
| DilutedNIAvailtoComStockholders | 5.23B | 4.15B | 4.25B | 2.42B |
| NetIncomeCommonStockholders | 5.23B | 4.15B | 4.25B | 2.42B |
| NetIncome | 5.23B | 4.15B | 4.25B | 2.42B |
| NetIncomeIncludingNoncontrollingInterests | 5.23B | 4.15B | 4.25B | 2.42B |
| NetIncomeContinuousOperations | 5.23B | 4.15B | 4.25B | 2.42B |
| TaxProvision | 1.06B | 1.18B | 1.17B | 947.00M |
| PretaxIncome | 6.29B | 5.33B | 5.41B | 3.37B |
| OtherIncomeExpense | -180.00M | -714.00M | 334.00M | -548.00M |
| OtherNonOperatingIncomeExpenses | -11.00M | 9.00M | 49.00M | -37.00M |
| SpecialIncomeCharges | -331.00M | -438.00M | 84.00M | -207.00M |
| RestructuringAndMergernAcquisition | 331.00M | 438.00M | -84.00M | 207.00M |
| GainOnSaleOfSecurity | 162.00M | -285.00M | 201.00M | -304.00M |
| NetNonOperatingInterestIncomeExpense | 76.00M | 280.00M | 133.00M | -130.00M |
| InterestExpenseNonOperating | 441.00M | 382.00M | 347.00M | 304.00M |
| InterestIncomeNonOperating | 517.00M | 662.00M | 480.00M | 174.00M |
| OperatingIncome | 6.40B | 5.76B | 4.94B | 4.04B |
| OperatingExpense | 9.07B | 8.89B | 8.76B | 9.73B |
| OtherOperatingExpenses | 1.70B | 1.77B | 1.92B | 2.12B |
| ResearchAndDevelopment | 3.10B | 2.98B | 2.97B | 3.25B |
| SellingGeneralAndAdministration | 4.26B | 4.15B | 3.87B | 4.36B |
| SellingAndMarketingExpense | 2.28B | 2.00B | 1.81B | 2.26B |
| GeneralAndAdministrativeExpense | 1.98B | 2.15B | 2.06B | 2.10B |
| OtherGandA | 1.98B | 2.15B | 2.06B | 2.10B |
| GrossProfit | 15.46B | 14.66B | 13.70B | 13.77B |
| CostOfRevenue | 17.71B | 17.14B | 16.07B | 13.74B |
| TotalRevenue | 33.17B | 31.80B | 29.77B | 27.52B |
| OperatingRevenue | 33.17B | 31.80B | 29.77B | 27.52B |
| Line Item | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| TreasurySharesNumber | 423.00M | 337.00M | 245.00M | 173.00M |
| OrdinarySharesNumber | 920.00M | 993.00M | 1.07B | 1.14B |
| ShareIssued | 1.34B | 1.33B | 1.32B | 1.31B |
| NetDebt | 1.94B | 3.22B | 595.00M | 2.64B |
| TotalDebt | 9.99B | 9.88B | 9.68B | 10.42B |
| TangibleBookValue | 9.18B | 9.25B | 9.49B | 8.28B |
| InvestedCapital | 30.24B | 30.30B | 30.73B | 30.69B |
| WorkingCapital | 13.32B | 12.72B | 14.10B | 12.42B |
| NetTangibleAssets | 9.18B | 9.25B | 9.49B | 8.28B |
| CommonStockEquity | 20.26B | 20.42B | 21.05B | 20.27B |
| TotalCapitalization | 30.24B | 30.30B | 30.73B | 30.69B |
| TotalEquityGrossMinorityInterest | 20.26B | 20.42B | 21.05B | 20.27B |
| MinorityInterest | 0.00 | |||
| StockholdersEquity | 20.26B | 20.42B | 21.05B | 20.27B |
| GainsLossesNotAffectingRetainedEarnings | -658.00M | -550.00M | -746.00M | -928.00M |
| OtherEquityAdjustments | -658.00M | -550.00M | -746.00M | -928.00M |
| TreasuryStock | 33.14B | 27.09B | 21.05B | 16.08B |
| RetainedEarnings | 32.47B | 27.35B | 23.20B | 18.95B |
| AdditionalPaidInCapital | 21.58B | 20.70B | 19.64B | 18.33B |
| CapitalStock | 0.00 | 0.00 | 0.00 | 0.00 |
| CommonStock | 0.00 | 0.00 | 0.00 | 0.00 |
| PreferredStock | 0.00 | 0.00 | 0.00 | 0.00 |
| TotalLiabilitiesNetMinorityInterest | 59.92B | 58.31B | 61.12B | 58.35B |
| TotalNonCurrentLiabilitiesNetMinorityInterest | 13.47B | 12.82B | 12.65B | 13.34B |
| OtherNonCurrentLiabilities | 3.49B | 2.94B | 2.97B | 2.92B |
| NonCurrentDeferredLiabilities | 2.92B | 3.00B | ||
| NonCurrentDeferredTaxesLiabilities | 2.92B | 3.00B | ||
| LongTermDebtAndCapitalLeaseObligation | 9.99B | 9.88B | 9.68B | 10.42B |
| LongTermDebt | 9.99B | 9.88B | 9.68B | 10.42B |
| CurrentLiabilities | 46.44B | 45.49B | 48.47B | 45.01B |
| CurrentDebtAndCapitalLeaseObligation | 999.00M | |||
| CurrentDebt | 999.00M | |||
| OtherCurrentBorrowings | 999.00M | |||
| PayablesAndAccruedExpenses | 46.44B | 45.49B | 48.47B | 45.01B |
| CurrentAccruedExpenses | 6.00B | 5.59B | 6.39B | 4.87B |
| Payables | 40.44B | 39.90B | 42.07B | 40.14B |
| TotalTaxPayable | 813.00M | 236.00M | ||
| IncomeTaxPayable | 813.00M | 236.00M | ||
| AccountsPayable | 40.44B | 39.90B | 42.07B | 40.14B |
| TotalAssets | 80.17B | 78.72B | 82.17B | 78.62B |
| TotalNonCurrentAssets | 20.41B | 20.52B | 19.60B | 21.20B |
| OtherNonCurrentAssets | 3.31B | 3.27B | 3.27B | 2.46B |
| InvestmentsAndAdvances | 4.33B | 4.58B | 3.27B | 5.02B |
| OtherInvestments | 1.91B | 1.58B | 1.88B | 2.20B |
| InvestmentinFinancialAssets | 2.42B | 3.00B | 1.39B | 2.82B |
| AvailableForSaleSecurities | 2.42B | 3.00B | 1.39B | 2.82B |
| GoodwillAndOtherIntangibleAssets | 11.07B | 11.16B | 11.56B | 12.00B |
| OtherIntangibleAssets | 208.00M | 326.00M | 537.00M | 788.00M |
| Goodwill | 10.86B | 10.84B | 11.03B | 11.21B |
| NetPPE | 1.70B | 1.51B | 1.49B | 1.73B |
| AccumulatedDepreciation | -8.11B | -7.48B | -6.95B | -6.38B |
| GrossPPE | 9.81B | 8.99B | 8.44B | 8.11B |
| Leases | 357.00M | 343.00M | 317.00M | 364.00M |
| ConstructionInProgress | 34.00M | 104.00M | 34.00M | 25.00M |
| MachineryFurnitureEquipment | 9.08B | 8.21B | 7.75B | 7.33B |
| LandAndImprovements | 340.00M | 337.00M | 333.00M | 388.00M |
| Properties | 0.00 | 0.00 | 0.00 | 0.00 |
| CurrentAssets | 59.76B | 58.21B | 62.57B | 57.42B |
| OtherCurrentAssets | 1.83B | 1.66B | 2.51B | 1.90B |
| RestrictedCash | 0.00 | 1.00M | 3.00M | 17.00M |
| PrepaidAssets | 1.90B | 1.29B | ||
| Receivables | 47.51B | 45.62B | 46.00B | 44.66B |
| LoansReceivable | 8.47B | 6.96B | 6.00B | 7.43B |
| AccountsReceivable | 39.04B | 38.66B | 40.00B | 37.23B |
| CashCashEquivalentsAndShortTermInvestments | 10.42B | 10.92B | 14.06B | 10.85B |
| OtherShortTermInvestments | 2.37B | 4.26B | 4.98B | 3.08B |
| CashAndCashEquivalents | 8.05B | 6.66B | 9.08B | 7.78B |
| CashEquivalents | 777.00M | |||
| CashFinancial | 8.30B |
| Line Item | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| FreeCashFlow | 5.56B | 6.77B | 4.22B | 5.11B |
| RepurchaseOfCapitalStock | -6.05B | -6.05B | -5.00B | -4.20B |
| RepaymentOfDebt | -5.10B | -2.32B | -1.05B | -1.69B |
| IssuanceOfDebt | 5.59B | 2.20B | 1.53B | 3.48B |
| IssuanceOfCapitalStock | 117.00M | 95.00M | 127.00M | 143.00M |
| CapitalExpenditure | -852.00M | -683.00M | -623.00M | -706.00M |
| InterestPaidSupplementalData | 406.00M | 366.00M | 331.00M | 280.00M |
| IncomeTaxPaidSupplementalData | 1.10B | 1.03B | 2.12B | 878.00M |
| EndCashPosition | 24.02B | 22.49B | 21.83B | 19.16B |
| BeginningCashPosition | 22.49B | 21.83B | 19.16B | 18.03B |
| EffectOfExchangeRateChanges | 273.00M | -207.00M | 76.00M | -155.00M |
| ChangesInCash | 1.25B | 863.00M | 2.60B | 1.28B |
| FinancingCashFlow | -5.96B | -8.28B | -2.99B | -1.20B |
| CashFlowFromContinuingFinancingActivities | -5.96B | -8.28B | -2.99B | -1.20B |
| NetOtherFinancingCharges | -375.00M | -2.21B | 1.41B | 1.06B |
| CashDividendsPaid | -130.00M | 0.00 | 0.00 | |
| CommonStockDividendPaid | -130.00M | 0.00 | 0.00 | |
| NetCommonStockIssuance | -5.93B | -5.95B | -4.88B | -4.06B |
| CommonStockPayments | -6.05B | -6.05B | -5.00B | -4.20B |
| CommonStockIssuance | 117.00M | 95.00M | 127.00M | 143.00M |
| NetIssuancePaymentsOfDebt | 482.00M | -115.00M | 475.00M | 1.79B |
| NetLongTermDebtIssuance | 482.00M | -115.00M | 475.00M | 1.79B |
| LongTermDebtPayments | -5.10B | -2.32B | -1.05B | -1.69B |
| LongTermDebtIssuance | 5.59B | 2.20B | 1.53B | 3.48B |
| InvestingCashFlow | 797.00M | 1.69B | 752.00M | -3.33B |
| CashFlowFromContinuingInvestingActivities | 797.00M | 1.69B | 752.00M | -3.33B |
| NetOtherInvestingChanges | -975.00M | 1.71B | -1.45B | -5.82B |
| NetInvestmentPurchaseAndSale | 2.62B | 666.00M | 2.31B | 3.19B |
| SaleOfInvestment | 23.22B | 27.30B | 24.30B | 23.41B |
| PurchaseOfInvestment | -20.60B | -26.63B | -21.98B | -20.22B |
| NetBusinessPurchaseAndSale | 0.00 | 0.00 | 466.00M | 0.00 |
| SaleOfBusiness | 0.00 | 0.00 | 466.00M | 0.00 |
| PurchaseOfBusiness | 0.00 | 0.00 | -2.76B | |
| NetPPEPurchaseAndSale | -849.00M | -682.00M | -578.00M | -701.00M |
| SaleOfPPE | 3.00M | 1.00M | 45.00M | 5.00M |
| PurchaseOfPPE | -852.00M | -683.00M | -623.00M | -706.00M |
| OperatingCashFlow | 6.42B | 7.45B | 4.84B | 5.81B |
| CashFlowFromContinuingOperatingActivities | 6.42B | 7.45B | 4.84B | 5.81B |
| ChangeInWorkingCapital | -1.06B | -558.00M | -1.31B | -454.00M |
| ChangeInOtherWorkingCapital | -1.32B | -1.13B | -1.19B | -1.23B |
| ChangeInOtherCurrentLiabilities | 599.00M | 798.00M | 97.00M | 856.00M |
| ChangeInOtherCurrentAssets | -493.00M | -393.00M | -116.00M | 118.00M |
| ChangeInPayablesAndAccruedExpense | 4.00M | 83.00M | 7.00M | -35.00M |
| ChangeInPayable | 4.00M | 83.00M | 7.00M | -35.00M |
| ChangeInAccountPayable | 4.00M | 83.00M | 7.00M | -35.00M |
| ChangeInTaxPayable | 373.00M | 73.00M | ||
| ChangeInIncomeTaxPayable | 373.00M | 73.00M | ||
| ChangeInReceivables | 144.00M | 85.00M | -114.00M | -163.00M |
| ChangesInAccountReceivables | 144.00M | 85.00M | -114.00M | -163.00M |
| OtherNonCashItems | 310.00M | 1.42B | 956.00M | 1.85B |
| StockBasedCompensation | 1.00B | 1.23B | 1.48B | 1.26B |
| AmortizationOfSecurities | -83.00M | -335.00M | -367.00M | -70.00M |
| DeferredTax | 217.00M | 231.00M | -668.00M | -811.00M |
| DeferredIncomeTax | 217.00M | 231.00M | -668.00M | -811.00M |
| DepreciationAmortizationDepletion | 963.00M | 1.03B | 1.07B | 1.32B |
| DepreciationAndAmortization | 963.00M | 1.03B | 1.07B | 1.32B |
| AmortizationCashFlow | 175.00M | 207.00M | 226.00M | 471.00M |
| AmortizationOfIntangibles | 175.00M | 207.00M | 226.00M | 471.00M |
| Depreciation | 788.00M | 825.00M | 846.00M | 846.00M |
| OperatingGainsLosses | -162.00M | 285.00M | -557.00M | 304.00M |
| GainLossOnInvestmentSecurities | -162.00M | 285.00M | -201.00M | 304.00M |
| GainLossOnSaleOfBusiness | 0.00 | 0.00 | -356.00M | 0.00 |
| NetIncomeFromContinuingOperations | 5.23B | 4.15B | 4.25B | 2.42B |
SEC Filings
Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.
Public Trades for PYPL
| Date | User | Broker | Pattern | Type | Position Size | Entry Price | Trade P&L | Status |
|---|