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PYPL · PayPal Holdings, Inc. · Financials

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$56.70 -0.46 (-0.80%) At close · Oct 16
S&P 500 member Nasdaq-100 member Russell 1000 member Rebalance outlook locked
Market Cap
$50.02B
Shares
882.11M
Volume · Oct 16 10.99M Avg daily vol (3M) 12.29M

Income-statement, balance-sheet and cash-flow figures from SEC filings, plus a debt profile anchored in the latest 10-K and updated by each 10-Q and debt exhibit.

Pull these statements through the financial statements API or MCP →
Revenue
$33.17B +4.3%
FY2025 Revenue FY2013–FY2025
Net Income
$5.23B +26.2%
FY2025 Net Income FY2013–FY2025
Operating Margin
18.28% +1.5pp
FY2025 Operating Margin FY2013–FY2025
Diluted EPS
$5.41 +35.6%
FY2025 Diluted EPS FY2013–FY2025
Operating Cash Flow
$6.42B -13.9%
FY2025 Operating Cash Flow FY2013–FY2025

Chart any reported metric, KPI or segment over time — the full statement history lives here

Income Statement Balance Sheet Cash Flow Adjusted All Metrics
Annual Quarterly
Line Item FY2026 (G) TTM FY2025 FY2024 FY2023 FY2022 FY2021 FY2020 FY2019 FY2018 FY2017 FY2016 FY2015 FY2014 FY2013
— $34.13B $33.17B $31.8B $29.77B $27.52B $25.37BG $21.45B $17.77B $15.45B $13.09B $10.84B $9.25B $8.03B $6.73B
— — — — — — — — — $1.07B $953M $834M $792M $747M $727M
— $2.28B $2.28B $2B $1.81B $2.26B $2.45B $1.86B $1.4B $1.31B $1.14B $969M $937M $954M $791M
— $2.01B $1.98B $2.15B $2.06B $2.1B $2.11B $2.07B $1.71B $1.54B $1.26B $1.03B $873M $733M $378M
— $145M $175M $207M $226M $471M $443M $451M $211M $149M $126M $150M $93M $84M $70M
— $963M $963M $1.03B $1.07B $1.32B $1.27B $1.19B $912M $776M $805M $724M $608M $516M $453M
— $171M — $307M $122M $121M $27M $109M $78M $25M — $0 $48M $0 $0
— $28.18B $27.11B $26.47B $24.74B $23.68B $21.11B $18.17B $15.05B $13.26B $10.97B $9.26B $7.79B $6.76B $5.64B
— $5.95B $6.07B $5.33B $5.03B $3.84B $4.26B $3.29B $2.72B $2.19B $2.13B $1.59B $1.46B $1.27B $1.09B
— — 18.28% 16.75% 16.89% 13.94% 16.8% 15.33% 15.3% 14.2% 16.24% 14.63% 15.8% 15.8% 16.22%
— $6.91B $7.03B $6.36B $6.1B $5.15B $5.53B $4.48B $3.63B $2.97B $2.93B $2.31B $2.07B $1.78B $1.54B
— $461M $441M $382M $347M $304M $232M $209M $115M $77M $7M $3M — — —
— -$83M $227M $4M $383M -$471M -$163M $1.78B $279M $182M $73M $45M $27M -$7M -$7M
— -$72M $162M -$285M $201M -$304M $46M $1.91B $208M $87M $0 — — — —
— — — — — $3.37B $4.1B $5.07B $3B $2.38B $2.2B $1.63B $1.49B $1.26B $1.08B
— $961M $1.06B $1.18B $1.17B $947M -$70M $863M $539M $319M $405M $230M $260M $842M $129M
— $4.9B $5.23B $4.15B $4.25B $2.42B $4.17B $4.2B $2.46B $2.06B $1.8B $1.4B $1.23B $419M $955M
— — 15.78% 13.04% 14.26% 8.79% 16.43% 19.59% 13.84% 13.31% 13.71% 12.92% 13.28% 5.22% 14.2%
— $4.9B $5.23B $4.15B $4.25B $2.42B $4.17B $4.2B $2.46B — — — — — —
— $5.14B $5.13B $4.34B $4.43B $1.63B $4.52B $3.89B $2.21B $2.28B $1.59B $1.47B $1.11B $590M $923M
USD/shares — $5.33 $5.46 $4.03 $3.85 $2.10 $3.55 $3.58 $2.09 $1.74 $1.49 $1.16 $1.00 $0.34 $0.78
USD/shares $5.38* $5.29 $5.41 $3.99G $3.84G $2.09G $3.52G $3.54 $2.07 $1.71 $1.47 $1.15 $1.00 $0.34 $0.78
shares — — 959M 1.03B 1.1B 1.15B 1.17B 1.17B 1.17B 1.18B 1.2B 1.21B 1.22B 1.22B 1.22B
shares — — 968M 1.04B 1.11B 1.16B 1.19B 1.19B 1.19B 1.2B 1.22B 1.22B 1.23B 1.22B 1.22B
Italic rows are computed from reported lines — open a row's info icon for its formula. Values reflect the latest filing (restatements included); per-share figures on today's split basis. Click a value for its source filing. TTM: trailing twelve months through the latest reported quarter — flows sum the last four quarters, balances take the latest. 3Y/5Y/10Y columns are trailing CAGR from the newest fiscal year; blank where an endpoint is missing or negative. (G): the company's own guidance — a (G) column is a guided period not yet reported; a G marker shows how the reported figure landed against the guided range. Non-GAAP-basis guidance (*) is shown as stated and never judged against GAAP actuals.

Capital Returned to Shareholders

Cash spent on share repurchases and dividends per fiscal year, as reported on the cash-flow statement. Across FY2014–FY2025: $33.24B in buybacks, $130M in dividends.

Debt Profile

Reported borrowing balances, repayment dates and agreement terms, with links to the underlying filings.

Reported debt balances

Each amount keeps its reported scope. Related balance-sheet measures appear under the borrowing they describe.

Reported balanceAs ofAmountSource
Current debt and lease obligations 2026-06-30 USD 2,505,000,000 10-Q filed 2026-07-28
Finance lease liabilities 2026-06-30 USD 11,000,000 10-Q filed 2026-07-28
Related accounting measures — not additional borrowing

Carrying amounts can reflect issuance costs or discounts. Differences between these measures are not necessarily repayments due within a year.

Current finance lease liabilities
USD 5,000,000
Noncurrent finance lease liabilities
USD 6,000,000
Long-term debt, including current maturities 2026-06-30 USD 12,728,000,000 10-Q filed 2026-07-28
Related accounting measures — not additional borrowing

Carrying amounts can reflect issuance costs or discounts. Differences between these measures are not necessarily repayments due within a year.

Noncurrent debt carrying amount
USD 10,895,000,000
Operating lease liabilities 2026-06-30 USD 810,000,000 10-Q filed 2026-07-28
Related accounting measures — not additional borrowing

Carrying amounts can reflect issuance costs or discounts. Differences between these measures are not necessarily repayments due within a year.

Current operating lease liabilities
USD 142,000,000
Noncurrent operating lease liabilities
USD 668,000,000
Instrument and agreement coverage is incomplete. Additional filings are awaiting review.
2 filings have incomplete source or extraction coverage. Verified observations are shown; missing observations do not establish that debt was unchanged.

Covenants

Covenant terms have not yet been verified for this profile.

The balance figures do not establish whether covenants apply or whether the company complies with them.

Loans, facilities and notes

4.550% Notes due 2028

Note · PayPal Holdings, Inc.

Reference: 4.550% Notes due 2028

Active
Original principal
USD 650,000,000
Outstanding
—
Commitment
—
Availability
—
Maturity
Jun 1, 2028

Last reported interest terms: 4.55% Reported 2026-05-15 Later filings may not restate these terms; this does not confirm they still apply.

Covenant terms for this agreement are not yet verified.

Documents and filing history
  1. Issuance · 2026-05-15 Original principal USD 650,000,000 Exact source document Parent 8-K filing · 2026-05-15
    On May 15, 2026, PayPal Holdings, Inc. (the “Company”) issued and sold $2.0 billion aggregate principal amount of senior notes, consisting of $650,000,000 aggregate principal amount of 4.550% notes due 2028 (the “2028 Notes”), $850,000,000 aggregate principal amount of 4.950% notes due 2031 (the “2031 Notes”) and $500,000,000 aggregate principal amount of 5.550% notes due 2036 (the “2036 Notes” and, together with the 2028 Notes and the 2031 Notes, the “Notes”).
    Issuer evidence: On May 15, 2026, PayPal Holdings, Inc. (the “Company”) issued and sold $2.0 billion aggregate principal amount of senior notes, consisting of $650,000,000 aggregate principal amount of 4.550% notes due 2028 (the “2028 Notes”), $850,000,000 aggregate principal amount of 4.950% notes due 2031 (the “2031 Notes”) and $500,000,000 aggregate principal amount of 5.550% notes due 2036 (the “2036 Notes” and, together with the 2028 Notes and the 2031 Notes, the “Notes”).
    Supporting evidence: The 2028 Notes will mature on June 1, 2028, the 2031 Notes will mature on June 1, 2031 and the 2036 Notes will mature on June 1, 2036, unless, in each case, earlier redeemed or repurchased. Interest on the Notes is payable on June 1 and December 1 of each year, beginning on December 1, 2026.
    Supporting evidence: On May 15, 2026, PayPal Holdings, Inc. (the “Company”) issued and sold $2.0 billion aggregate principal amount of senior notes, consisting of $650,000,000 aggregate principal amount of 4.550% notes due 2028 (the “2028 Notes”), $850,000,000 aggregate principal amount of 4.950% notes due 2031 (the “2031 Notes”) and $500,000,000 aggregate principal amount of 5.550% notes due 2036 (the “2036 Notes” and, together with the 2028 Notes and the 2031 Notes, the “Notes”).
    Supporting evidence: On May 15, 2026, PayPal Holdings, Inc. (the “Company”) issued and sold $2.0 billion aggregate principal amount of senior notes, consisting of $650,000,000 aggregate principal amount of 4.550% notes due 2028 (the “2028 Notes”), $850,000,000 aggregate principal amount of 4.950% notes due 2031 (the “2031 Notes”) and $500,000,000 aggregate principal amount of 5.550% notes due 2036 (the “2036 Notes” and, together with the 2028 Notes and the 2031 Notes, the “Notes”).

4.950% Notes due 2031

Note · PayPal Holdings, Inc.

Reference: 4.950% Notes due 2031

Active
Original principal
USD 850,000,000
Outstanding
—
Commitment
—
Availability
—
Maturity
Jun 1, 2031

Last reported interest terms: 4.95% Reported 2026-05-15 Later filings may not restate these terms; this does not confirm they still apply.

Covenant terms for this agreement are not yet verified.

Documents and filing history
  1. Issuance · 2026-05-15 Original principal USD 850,000,000 Exact source document Parent 8-K filing · 2026-05-15
    On May 15, 2026, PayPal Holdings, Inc. (the “Company”) issued and sold $2.0 billion aggregate principal amount of senior notes, consisting of $650,000,000 aggregate principal amount of 4.550% notes due 2028 (the “2028 Notes”), $850,000,000 aggregate principal amount of 4.950% notes due 2031 (the “2031 Notes”) and $500,000,000 aggregate principal amount of 5.550% notes due 2036 (the “2036 Notes” and, together with the 2028 Notes and the 2031 Notes, the “Notes”).
    Issuer evidence: On May 15, 2026, PayPal Holdings, Inc. (the “Company”) issued and sold $2.0 billion aggregate principal amount of senior notes, consisting of $650,000,000 aggregate principal amount of 4.550% notes due 2028 (the “2028 Notes”), $850,000,000 aggregate principal amount of 4.950% notes due 2031 (the “2031 Notes”) and $500,000,000 aggregate principal amount of 5.550% notes due 2036 (the “2036 Notes” and, together with the 2028 Notes and the 2031 Notes, the “Notes”).
    Supporting evidence: The 2028 Notes will mature on June 1, 2028, the 2031 Notes will mature on June 1, 2031 and the 2036 Notes will mature on June 1, 2036, unless, in each case, earlier redeemed or repurchased. Interest on the Notes is payable on June 1 and December 1 of each year, beginning on December 1, 2026.
    Supporting evidence: On May 15, 2026, PayPal Holdings, Inc. (the “Company”) issued and sold $2.0 billion aggregate principal amount of senior notes, consisting of $650,000,000 aggregate principal amount of 4.550% notes due 2028 (the “2028 Notes”), $850,000,000 aggregate principal amount of 4.950% notes due 2031 (the “2031 Notes”) and $500,000,000 aggregate principal amount of 5.550% notes due 2036 (the “2036 Notes” and, together with the 2028 Notes and the 2031 Notes, the “Notes”).
    Supporting evidence: On May 15, 2026, PayPal Holdings, Inc. (the “Company”) issued and sold $2.0 billion aggregate principal amount of senior notes, consisting of $650,000,000 aggregate principal amount of 4.550% notes due 2028 (the “2028 Notes”), $850,000,000 aggregate principal amount of 4.950% notes due 2031 (the “2031 Notes”) and $500,000,000 aggregate principal amount of 5.550% notes due 2036 (the “2036 Notes” and, together with the 2028 Notes and the 2031 Notes, the “Notes”).

5.550% Notes due 2036

Note · PayPal Holdings, Inc.

Reference: 5.550% Notes due 2036

Active
Original principal
USD 500,000,000
Outstanding
—
Commitment
—
Availability
—
Maturity
Jun 1, 2036

Last reported interest terms: 5.55% Reported 2026-05-15 Later filings may not restate these terms; this does not confirm they still apply.

Covenant terms for this agreement are not yet verified.

Documents and filing history
  1. Issuance · 2026-05-15 Original principal USD 500,000,000 Exact source document Parent 8-K filing · 2026-05-15
    On May 15, 2026, PayPal Holdings, Inc. (the “Company”) issued and sold $2.0 billion aggregate principal amount of senior notes, consisting of $650,000,000 aggregate principal amount of 4.550% notes due 2028 (the “2028 Notes”), $850,000,000 aggregate principal amount of 4.950% notes due 2031 (the “2031 Notes”) and $500,000,000 aggregate principal amount of 5.550% notes due 2036 (the “2036 Notes” and, together with the 2028 Notes and the 2031 Notes, the “Notes”).
    Issuer evidence: On May 15, 2026, PayPal Holdings, Inc. (the “Company”) issued and sold $2.0 billion aggregate principal amount of senior notes, consisting of $650,000,000 aggregate principal amount of 4.550% notes due 2028 (the “2028 Notes”), $850,000,000 aggregate principal amount of 4.950% notes due 2031 (the “2031 Notes”) and $500,000,000 aggregate principal amount of 5.550% notes due 2036 (the “2036 Notes” and, together with the 2028 Notes and the 2031 Notes, the “Notes”).
    Supporting evidence: The 2028 Notes will mature on June 1, 2028, the 2031 Notes will mature on June 1, 2031 and the 2036 Notes will mature on June 1, 2036, unless, in each case, earlier redeemed or repurchased. Interest on the Notes is payable on June 1 and December 1 of each year, beginning on December 1, 2026.
    Supporting evidence: On May 15, 2026, PayPal Holdings, Inc. (the “Company”) issued and sold $2.0 billion aggregate principal amount of senior notes, consisting of $650,000,000 aggregate principal amount of 4.550% notes due 2028 (the “2028 Notes”), $850,000,000 aggregate principal amount of 4.950% notes due 2031 (the “2031 Notes”) and $500,000,000 aggregate principal amount of 5.550% notes due 2036 (the “2036 Notes” and, together with the 2028 Notes and the 2031 Notes, the “Notes”).
    Supporting evidence: On May 15, 2026, PayPal Holdings, Inc. (the “Company”) issued and sold $2.0 billion aggregate principal amount of senior notes, consisting of $650,000,000 aggregate principal amount of 4.550% notes due 2028 (the “2028 Notes”), $850,000,000 aggregate principal amount of 4.950% notes due 2031 (the “2031 Notes”) and $500,000,000 aggregate principal amount of 5.550% notes due 2036 (the “2036 Notes” and, together with the 2028 Notes and the 2031 Notes, the “Notes”).

Price & Valuation

Multiples computed on the strict TTM/EV methodology — today's snapshot against peers, and each ratio recomputed as of past filing dates.

Valuation

EV/Revenue
1.53×
Peer median 2.97×
EV/EBIT
8.77×
P/E (TTM)
10.72×
Peer median 12.12×

Peer medians compare against the 9 similar-size Credit Services companies (of 45 listed).

Valuation over time computed as of each quarter's filing date

Revenue Breakdown

Annual revenue as the company disaggregates it in its own XBRL filings. Years a component wasn't reported show a dash.

Share mode is each component's slice of the reported components that year — issuers rarely tag every revenue dollar, so slices need not sum to total revenue.

By Segment (USD)

Component FY2025 FY2024 FY2023 FY2022
Reportable Segment $33,172,000,000 $31,797,000,000 $29,771,000,000 $27,518,000,000

By Geography (USD)

Component FY2025 FY2024 FY2023 FY2022 FY2021 FY2020 FY2019 FY2018
United States $18,868,000,000 $18,267,000,000 $17,253,000,000 $15,807,000,000 $13,712,000,000 $11,013,000,000 $9,417,000,000 $8,324,000,000
Non Us $14,304,000,000 $13,530,000,000 $12,518,000,000 $11,711,000,000 $11,659,000,000 — — —
United Kingdom — — — — — $2,340,000,000 $1,872,000,000 $1,658,000,000
Countries Other Than US and United Kingdom — — — — — $8,101,000,000 $6,483,000,000 $5,469,000,000

By Product & Service (USD)

Component FY2025 FY2024 FY2023 FY2022 FY2021 FY2020 FY2019 FY2018
Transaction Revenue $29,798,000,000 $28,842,000,000 $26,857,000,000 $25,206,000,000 $23,402,000,000 $19,918,000,000 $16,099,000,000 $13,709,000,000
Revenues from Other Value Added Services $3,374,000,000 $2,955,000,000 $2,914,000,000 $2,312,000,000 $1,969,000,000 $1,536,000,000 $1,673,000,000 $1,742,000,000
Key facts CIK 1633917 CUSIP 70450Y103 13F (30d) 232 filings 195 filers Visit website Investor relations