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Profile & Fundamentals

PayPal Profile & Fundamentals

Name: PayPal financial chart data preview
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Examine company identity, ownership, reported performance, valuation, balance-sheet resilience, dividends, buybacks, and material corporate events.

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Company and Market Context

Company Profile & Ownership

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.

Company profile record

PayPal Holdings Inc

Common Stock · Financials · Transaction & Payment Processing Services

Official website

Company

Company / asset: PayPal Holdings Inc
Security type: Common Stock
Sector: Financials
Industry: Transaction & Payment Processing Services
HQ: 🇺🇸 United States
Head office: 2211 North First Street, San Jose, CA, United States, 95131

Leadership & scale

Chief executive: Mr. Enrique J. Lores
CEO year born: 1966
Full-time employees: 23.8K
Fiscal year end: December
IPO date: 2002-02-01

Fundamentals snapshot

Updated 2026-09-13

Market Cap: USD 47.2B
P/E: 9.6x
Revenue (Q2 26): USD 8.7B
Profit (Q2 26): USD 1.1B
Dividend Yield: 0.7%
Revenue (FY 25): USD 33.2B
Shares in public float: 853.5M
Insider ownership: 0.71%

Reporting & identifiers

Symbol: PYPL.NASDAQ
Listing: 🇺🇸 United States | Dividend Tax: 30%
Ticker Currency: USD
Income Statement Currency: USD
Balance Sheet Currency: USD
Cash Flow Currency: USD
EPS Currency: USD
Contract Type: SPOT
ISIN: US70450Y1038
Asset ID: equity_da8712ca-addc-5ecc-b8fd-9c54f75c71f6

Ownership

Shares Outstanding

Shares outstanding

Annual reported shares outstanding. Values in shares.

Top holders

BlackRock Inc73,680,955 shares · 8.61% · Reported 2026-03-31
Vanguard Capital Management, LLC55,996,368 shares · 6.55% · Reported 2026-03-31
State Street Corp41,983,584 shares · 4.91% · Reported 2026-03-31
Amvescap Plc.32,111,703 shares · 3.75% · Reported 2026-03-31
Geode Capital Management, LLC26,148,714 shares · 3.06% · Reported 2026-03-31
Bank of America Corp25,614,720 shares · 2.99% · Reported 2026-03-31
Vanguard Portfolio Management, LLC25,316,688 shares · 2.96% · Reported 2026-03-31

View more holders (8)

Vanguard MStar Total Stk Mkt Idx Invest25,271,949 shares · 2.95% · Reported 2026-07-31
Comprehensive Financial Management LLC23,950,118 shares · 2.80% · Reported 2026-06-30
Vanguard 500 Index Investor20,833,747 shares · 2.44% · Reported 2026-07-31
Invesco QQQ Trust18,976,073 shares · 2.22% · Reported 2026-08-31
Amundi13,804,208 shares · 1.61% · Reported 2026-03-31
The Goldman Sachs Group Inc12,102,028 shares · 1.41% · Reported 2026-03-31
iShares Core S&P 500 ETF11,746,680 shares · 1.37% · Reported 2026-08-31
Vanguard MStar Mid Cap Index Instl11,637,825 shares · 1.36% · Reported 2026-07-31

Earnings, Profitability & Valuation

Earnings & Revenue

AI Review

The company is showing a clear split between its sales growth and its actual profits. While overall sales growth has slowed down to a modest single-digit pace, the company's profits and cash generation remain incredibly strong. This is because the company is aggressively cutting costs, laying off workers, and earning high interest on the cash it holds for customers. Most reports agree that while the business is no longer a fast-growing tech giant, it is a highly efficient cash machine. The main disagreement is whether the company can keep growing its earnings per share through stock buybacks if its core business continues to face heavy competition. Overall, the massive amount of cash the company generates provides a very safe cushion for investors, making it highly resilient even in a tough economy.

Revenue, Net Income, and Free Cash Flow

Revenue
Free cash flow
Net income

Annual reported financial results, converted using the statement's recorded USD conversion. Missing values are omitted. Values in USD.

Valuation

Historical P/E Ratio

Published P/E

Published valuation snapshots. Trailing four-quarter earnings where available; annual earnings otherwise. Non-positive earnings are omitted. Values in times earnings.

Profitability & Margins

AI Review

The company's profit margins are experiencing two opposite trends. On one hand, its gross margins are shrinking because more of its business is shifting toward lower-fee backend payment processing rather than its highly profitable main checkout button. On the other hand, its operating margins are actually improving because management is ruthlessly cutting overhead costs and reducing headcount. Reports agree that this cost-cutting is successfully protecting overall profitability for now. However, there is a clear clash over the future outlook: some believe that intense competition will eventually force margins down to zero, while others argue that the margins are stabilizing at a highly profitable floor. If the company can keep its steady, the current low stock price represents an incredibly cheap and attractive deal for everyday investors.

Profitability Margins

Gross margin
Operating margin
Net margin
Free cash flow margin

Annual gross, operating, net income and free cash flow divided by revenue for matching reporting dates. Values in percent.

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Reported Data Tables — chart preview

The following tables contain the same values as the financial charts above. Monetary values are USD; margins are percentages. Missing inputs are not estimated. Use is subject to the iPulse AI Terms of Service and applicable source rights.

Source: eodhd. Statement snapshots with chart transformations and ratios calculated by iPulse AI. Snapshot retrieved 2026-09-15.

Annual earnings and profitability
Period end	Revenue	Free cash flow	Net income	Gross margin	Operating margin	Net margin	Free cash flow margin
2016-12-31	10,842,000,000	2,489,000,000	1,401,000,000	59.1	14.63	12.92	22.96
2017-12-31	13,094,000,000	1,864,000,000	1,795,000,000	58.53	16.24	13.71	14.24
2018-12-31	15,451,000,000	4,660,000,000	2,057,000,000	55.63	14.2	13.31	30.16
2019-12-31	17,772,000,000	3,857,000,000	2,459,000,000	54.03	15.3	13.84	21.7
2020-12-31	21,454,000,000	5,353,000,000	4,202,000,000	54.9	15.33	19.59	24.95
2021-12-31	25,371,000,000	4,889,000,000	4,169,000,000	55.17	16.8	16.43	19.27
2022-12-31	27,518,000,000	5,107,000,000	2,419,000,000	50.05	13.94	8.79	18.56
2023-12-31	29,771,000,000	4,220,000,000	4,246,000,000	46.03	16.89	14.26	14.17
2024-12-31	31,797,000,000	6,767,000,000	4,147,000,000	46.1	16.75	13.04	21.28
2025-12-31	33,172,000,000	5,564,000,000	5,233,000,000	46.62	18.28	15.78	16.77

Published valuation snapshots
Period end	P/E (times earnings)	Earnings basis
2025-12-31	10.48	Trailing four quarters
2024-12-31	20.87	Trailing four quarters
2023-12-31	15.68	Trailing four quarters
2022-12-31	34.09	Annual net income
2021-12-31	53.69	Annual net income

Shares outstanding — chart values
Reporting date	Shares outstanding
2017-01-01	1,228,000,000
2018-01-01	1,196,000,000
2019-01-01	1,187,000,000
2020-01-01	1,172,000,000
2021-01-01	1,187,000,000
2022-01-01	1,158,000,000
2023-01-01	1,084,000,000
2024-01-01	1,014,000,000
2025-01-01	939,000,000
2026-01-01	901,000,000

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Earnings, Profitability & Valuation
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Capital Expenditure & R&D
- Capital allocation AI review
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Balance Sheet
- Balance sheet AI review
- Assets, debt and equity
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- Liquidity and leverage
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Dividends & Actions
- Cash dividends paid
- Dividend indicators
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- Combined shareholder returns
- Available corporate actions
Company Events
- Dated insider transactions
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