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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.
Source: TradingView
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
PayPal operates a global digital payments platform providing online and mobile payments, merchant services and peer-to-peer transfers (including Venmo) across consumer and merchant segments. Long-term growth may be supported by secular e-commerce adoption, deeper merchant integration, expansion of value-added services such as buy‑now‑pay‑later and wallets, and international penetration, which could make the company attractive to investors seeking exposure to electronic payments.
Investors should monitor competition from card networks and fintech entrants, regulatory and compliance scrutiny, and execution risk that could pressure transaction volumes, user engagement and margins.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 6292.00M | 5329.00M | 5411.00M | 3366.00M | 4099.00M |
| Net income | 5233.00M | 4147.00M | 4246.00M | 2419.00M | 4169.00M |
| Selling general administrative | 1979.00M | 2147.00M | 2059.00M | 2099.00M | 2114.00M |
| Selling and marketing expenses | 2283.00M | 2001.00M | 1809.00M | 2257.00M | 2445.00M |
| Gross profit | 15465.00M | 14658.00M | 13704.00M | 13773.00M | 13996.00M |
| Reconciled depreciation | 963.00M | 1032.00M | 1072.00M | 1317.00M | 1265.00M |
| Ebit | 6733.00M | 5711.00M | 5758.00M | 3837.00M | 4262.00M |
| Ebitda | 7696.00M | 6743.00M | 6830.00M | 5498.00M | 5612.00M |
| Depreciation and amortization | 963.00M | 1032.00M | 1072.00M | 1661.00M | 1350.00M |
| Non operating income net other | - | - | - | -471.00M | -163.00M |
| Operating income | 6065.00M | 5325.00M | 5028.00M | 3837.00M | 4262.00M |
| Other operating expenses | 27107.00M | 26472.00M | 24743.00M | 23474.00M | 21047.00M |
| Interest expense | 441.00M | 382.00M | 347.00M | 304.00M | 232.00M |
| Tax provision | 1059.00M | 1182.00M | 1165.00M | 947.00M | -70.00M |
| Interest income | 517.00M | 662.00M | 480.00M | 174.00M | 57.00M |
| Net interest income | 76.00M | 280.00M | 133.00M | -130.00M | -175.00M |
| Non recurring | - | - | - | 207.00M | 62.00M |
| Income tax expense | 1059.00M | 1182.00M | 1165.00M | 947.00M | -70.00M |
| Total revenue | 33172.00M | 31797.00M | 29771.00M | 27518.00M | 25371.00M |
| Total operating expenses | 9400.00M | 9333.00M | 8676.00M | 9729.00M | 9672.00M |
| Cost of revenue | 17707.00M | 17139.00M | 16067.00M | 13745.00M | 11375.00M |
| Total other income expense net | 227.00M | 4.00M | 383.00M | -471.00M | -163.00M |
| Net income from continuing ops | 5233.00M | 4147.00M | 4246.00M | 2419.00M | 4169.00M |
| Net income applicable to common shares | - | - | - | 2419.00M | 4169.00M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 80173.00M | 81611.00M | 82166.00M | 78717.00M | 75803.00M |
| Intangible assets | 208.00M | 326.00M | 537.00M | 788.00M | 1332.00M |
| Other current assets | 1827.00M | 4652.00M | 2509.00M | 1915.00M | 1287.00M |
| Total liab | 59917.00M | 61194.00M | 61115.00M | 58443.00M | 54076.00M |
| Total stockholder equity | 20256.00M | 20417.00M | 21051.00M | 20274.00M | 21727.00M |
| Deferred long term liab | - | - | - | 2925.00M | 2998.00M |
| Other current liab | 46203.00M | 8478.00M | 6392.00M | 4055.00M | 2756.00M |
| Capital stock | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M |
| Retained earnings | 32470.00M | 27347.00M | 23200.00M | 18954.00M | 16535.00M |
| Other liab | - | - | - | 2356.00M | 2378.00M |
| Good will | 10864.00M | 10837.00M | 11026.00M | 11209.00M | 11454.00M |
| Other assets | - | - | - | 1881.00M | 1078.00M |
| Cash | 8049.00M | 6561.00M | 9081.00M | 7776.00M | 5197.00M |
| Total current liabilities | 46443.00M | 48376.00M | 48466.00M | 45101.00M | 43029.00M |
| Current deferred revenue | - | - | -1393.00M | - | - |
| Net debt | 1938.00M | 3318.00M | 595.00M | 2792.00M | 2994.00M |
| Short term debt | - | - | 1393.00M | 151.00M | 142.00M |
| Short long term debt | - | - | - | 569.00M | 620.00M |
| Short long term debt total | 9987.00M | 9879.00M | 9676.00M | 11137.00M | 8811.00M |
| Other stockholder equity | -11556.00M | -6380.00M | -1403.00M | 2248.00M | 5328.00M |
| Property plant equipment | - | - | - | 1730.00M | 1909.00M |
| Total current assets | 59759.00M | 61092.00M | 62569.00M | 57517.00M | 52574.00M |
| Long term investments | 4330.00M | 4583.00M | 3273.00M | 5018.00M | 6797.00M |
| Net tangible assets | - | - | - | 8277.00M | 8941.00M |
| Short term investments | 2373.00M | 4261.00M | 4976.00M | 3075.00M | 4303.00M |
| Net receivables | 47510.00M | 45618.00M | 46000.00M | 44751.00M | 41787.00M |
| Long term debt | 9987.00M | 9879.00M | 9676.00M | 10417.00M | 8049.00M |
| Inventory | - | - | 3.00M | 17.00M | - |
| Accounts payable | 240.00M | 39898.00M | 42074.00M | 40233.00M | 39038.00M |
| Accumulated other comprehensive income | -658.00M | -550.00M | -746.00M | -928.00M | -136.00M |
| Retained earnings total equity | - | - | - | 18954.00M | 16535.00M |
| Treasury stock | - | - | - | - | -11880.00M |
| Non currrent assets other | 3312.00M | 3265.00M | 3273.00M | 2455.00M | 1737.00M |
| Non current assets total | 20414.00M | 20519.00M | 19597.00M | 21200.00M | 23229.00M |
| Long term debt total | - | - | - | 10417.00M | 8049.00M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | 2621.00M | 1589.00M | 1154.00M | -94.00M | -2012.00M |
| Change to liabilities | - | - | - | 821.00M | 448.00M |
| Total cashflows from investing activities | 797.00M | 1689.00M | 752.00M | -3421.00M | -5485.00M |
| Net borrowings | 482.00M | -115.00M | 475.00M | 1789.00M | -89.00M |
| Total cash from financing activities | -5958.00M | -8276.00M | -2993.00M | -1110.00M | -764.00M |
| Change to operating activities | - | - | - | -629.00M | -922.00M |
| Net income | 5233.00M | 4147.00M | 4246.00M | 2419.00M | 4169.00M |
| Change in cash | 1528.00M | 656.00M | 2678.00M | 1127.00M | -11.00M |
| Begin period cash flow | 22490.00M | 21834.00M | 19156.00M | 18029.00M | 18040.00M |
| End period cash flow | 24018.00M | 22490.00M | 21834.00M | 19156.00M | 18029.00M |
| Total cash from operating activities | 6416.00M | 7450.00M | 4843.00M | 5813.00M | 5797.00M |
| Issuance of capital stock | 117.00M | 95.00M | 139.00M | 143.00M | 162.00M |
| Depreciation | 963.00M | 1032.00M | 1072.00M | 1317.00M | 1265.00M |
| Other cashflows from investing activities | -972.00M | 28668.00M | -1406.00M | -2621.00M | -2565.00M |
| Dividends paid | 130.00M | 0.00M | 1528.00M | - | 272.00M |
| Change to inventory | - | - | -19.00M | - | 329.00M |
| Change to account receivables | 144.00M | 85.00M | -114.00M | -163.00M | -222.00M |
| Sale purchase of stock | -6052.00M | -6047.00M | -5002.00M | -4199.00M | -3373.00M |
| Other cashflows from financing activities | -375.00M | -2209.00M | 1407.00M | 4632.00M | 3080.00M |
| Change to netincome | - | - | - | 959.00M | 948.00M |
| Capital expenditures | 852.00M | 683.00M | 623.00M | 706.00M | 908.00M |
| Change receivables | - | - | - | -163.00M | -222.00M |
| Cash flows other operating | - | - | - | 460.00M | -268.00M |
| Cash and cash equivalents changes | - | - | - | 1282.00M | 91.00M |
| Change in working capital | -1064.00M | -558.00M | -1314.00M | -454.00M | -1102.00M |
| Stock based compensation | 1002.00M | 1230.00M | 1475.00M | 1261.00M | 1376.00M |
| Other non cash items | 65.00M | 1368.00M | 32.00M | 2081.00M | 1114.00M |
| Free cash flow | 5564.00M | 6767.00M | 4220.00M | 5107.00M | 4889.00M |
Sector: Financial Services Industry: Credit Services
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
Enterprise Value
to EBITDA (x) |
|---|---|---|---|---|---|---|---|---|
| PYPL PayPal Holdings Inc |
1.10 2.00% |
56.09 | 10.21 | 9.29 | 1.35 | 2.32 | 1.41 | 6.61 |
| V Visa Inc. Class A |
-2.30 0.57% |
401.86 | 31.25 | 25.97 | 16.18 | 13.64 | 16.19 | 23.37 |
| MA Mastercard Inc |
-3.65 0.59% |
609.85 | 31.59 | 24.88 | 14.31 | 89.68 | 14.71 | 23.34 |
| AXP American Express Company |
-2.14 0.68% |
312.91 | 21.46 | 18.83 | 3.38 | 6.76 | 3.93 | - |
| COF Capital One Financial Corporation |
1.09 0.54% |
203.44 | 11.39 | 8.75 | 2.64 | 1.11 | 2.76 | - |
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.
2211 North First Street, San Jose, CA, United States, 95131
408 967 7000
23800
| Name | Title | Year Born |
|---|---|---|
| Mr. Daniel H. Schulman | Pres, CEO & Director | 1958 |
| Mr. Jonathan Saul Auerbach | Exec. VP and Chief Strategy, Growth & Data Officer | 1963 |
| Mr. Mark Jorge Britto | Exec. Officer | 1965 |
| Ms. Gabrielle Rabinovitch J.D. | Sr. VP of Investor Relations & Treasurer and Acting CFO | 1979 |
| Mr. Jeffrey William Karbowski | VP, Chief Accounting Officer & Global Controller | 1978 |
| Mr. Sripada Shivananda | Exec. VP & CTO | 1973 |
| Ms. Archana Deskus | Exec. VP & Chief Information Officer | NA |
| Mr. Bimal Patel | Sr. VP & Gen. Counsel | NA |
| Ms. Peggy M. Alford | Exec. VP of Global Sales | 1972 |
| Mr. Alfonso Villanueva | Sr. VP of Strategy, Corp. Devel. & Ventures | NA |
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