Symbols / PYPL
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 | 38.82B |
| Enterprise Value | 38.97B | Income | 5.23B | Sales | 33.17B |
| Book/sh | 22.02 | Cash/sh | 11.32 | Dividend Yield | 139.00% |
| Payout | 2.59% | Employees | 23800 | IPO | — |
| P/E | 7.67 | Forward P/E | 7.13 | PEG | — |
| P/S | 1.17 | P/B | 1.88 | P/C | — |
| EV/EBITDA | 5.86 | EV/Sales | 1.18 | Quick Ratio | 0.24 |
| Current Ratio | 1.29 | Debt/Eq | 60.70 | LT Debt/Eq | — |
| EPS (ttm) | 5.41 | EPS next Y | 5.82 | 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 | 918.56M | Short Float | 4.68% | Short Ratio | 2.81 |
| Short Interest | — | 52W High | 79.50 | 52W Low | 38.46 |
| Beta | 1.42 | Avg Volume | 20.12M | Volume | 8.95M |
| Target Price | $51.88 | Recom | Hold | Prev Close | $40.29 |
| Price | $41.48 | Change | 2.97% |
Valuation Models
Price estimates from analyst targets and simple models.
1. Analyst consensus
$51.88
Mean price target
2. Current target
$41.49
Latest analyst target
3. DCF / Fair value
$64.02
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$41.49
Low
$32.00
High
$100.00
Mean
$51.88
Latest analyst rating changes
| Date | Action | Analyst | Rating Change | Price Target |
|---|---|---|---|---|
| 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 |
| 2025-12-22 | main | Mizuho | Outperform → Outperform | $75 |
- Better Fintech Stock: PayPal vs. SoFi - The Motley Fool ue, 17 Feb 2026 13
- PayPal Holdings, Inc. $PYPL Shares Acquired by NEOS Investment Management LLC - MarketBeat ue, 17 Feb 2026 12
- Why PayPal (PYPL) Stock Is Nosediving - Yahoo Finance ue, 03 Feb 2026 08
- PayPal: What’s next after its Q4 earnings crash and CEO transition? (PYPL:NASDAQ) - Seeking Alpha Wed, 11 Feb 2026 20
- PayPal Stock Forecast 2026–2030 | Future Outlook - Capital.com hu, 12 Feb 2026 14
- Forget Timing the Bottom: Earn 11% While You Wait for PYPL on Sale - Trefis ue, 10 Feb 2026 11
- PayPal Stock (PYPL) Opinions on Q4 Earnings Miss and CEO Transition - Quiver Quantitative Sat, 14 Feb 2026 14
- Down 47% In Last 12 Months, Can PayPal Stock Recover in 2026? - TIKR.com hu, 12 Feb 2026 12
- PayPal Stock Falls 31% as New CEO Inherits Execution Crisis - 24/7 Wall St. Fri, 13 Feb 2026 12
- PayPal turns to ex-HP CEO Enrique Lores after board cites slow progress - Stock Titan ue, 03 Feb 2026 08
- PayPal Stock Sinks After Company Warns of Earnings Drop and Names New CEO - The Wall Street Journal ue, 03 Feb 2026 08
- PYPL Stock Hit With A Downgrade As 'Marginal Consumer' Moves Away From Its Platform - Stocktwits Wed, 28 Jan 2026 08
- PayPal Earnings: PYPL Stock Plunges on Weak 2026 Profit Outlook, New CEO Named - TipRanks ue, 03 Feb 2026 08
- Paypal (PYPL) Stock Drops Despite Market Gains: Important Facts to Note - Yahoo Finance ue, 27 Jan 2026 08
- PayPal Stock: Strong Cash Flow Poised for a Re-Rating? - Trefis hu, 12 Feb 2026 09
Insider Transactions
| Date | Shares | Value | Url | Text | Insider | Position | Transaction | Start Date | Ownership |
|---|---|---|---|---|---|---|---|---|---|
| 0 | 3478 | 139816.0 | — | Sale at price 40.20 per share. | KELLER FRANK | Officer | — | 2026-02-06 00:00:00 | D |
| 1 | 2085 | — | — | Stock Award(Grant) at price 0.00 per share. | DORMAN DAVID WYATT | Director | — | 2026-02-02 00:00:00 | D |
| 2 | 23281 | nan | — | — | CHRISS JAMES ALEXANDER | Chief Executive Officer | — | 2026-01-15 00:00:00 | D |
| 3 | 8523 | nan | — | — | WEBSTER AARON JAMES | Officer | — | 2026-01-15 00:00:00 | D |
| 4 | 2726 | nan | — | — | NATALI CHRIS | Officer | — | 2026-01-15 00:00:00 | D |
| 5 | 1639 | nan | — | — | KELLER FRANK | Officer | — | 2026-01-15 00:00:00 | D |
| 6 | 8588 | nan | — | — | SCOTTI DIEGO | Officer | — | 2026-01-15 00:00:00 | D |
| 7 | 2150 | — | — | Stock Award(Grant) at price 0.00 per share. | DORMAN DAVID WYATT | Director | — | 2026-01-02 00:00:00 | D |
| 8 | 2881 | — | — | Stock Award(Grant) at price 0.00 per share. | LORES ENRIQUE J | Director | — | 2026-01-02 00:00:00 | D |
| 9 | 1892 | — | — | Stock Award(Grant) at price 0.00 per share. | STANLEY DEIRDRE | Director | — | 2026-01-02 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 | Asset | Broker | Type | Position Size | Entry Price | Patterns |
|---|