PayPal Holdings, Inc. (PYPL) 10-Year Financial Performance & Capital Metrics

PYPL • • Banking & Credit

Financial ServicesCredit ServicesPayment Networks and Merchant Acquiring

AboutPayPal Holdings, Inc. operates a technology platform that enables digital payments on behalf of merchants and consumers worldwide. It provides payment solutions under the PayPal, PayPal Credit, Braintree, Venmo, Xoom, Zettle, Hyperwallet, Honey, and Paidy names. The company's payments platform allows consumers to send and receive payments in approximately 200 markets and in approximately 100 currencies, withdraw funds to their bank accounts in 56 currencies, and hold balances in their PayPal accounts in 25 currencies. PayPal Holdings, Inc. was founded in 1998 and is headquartered in San Jose, California.Show more

Net Interest Income $76M -72.9%
Total Revenue $33.34B +4.8%
Net Income $5.23B +26.2%
Return on Equity 25.73% +28.7%
Net Interest Margin 0.09% -72.4%
Efficiency Ratio 27.33% -6.9%
ROA 6.47% +27.7%
Equity / Assets 25.27% +1.0%
Book Value per Share 20.93 +6.5%
Tangible BV/Share 9.49 +6.5%
Debt/Equity 0.49 +1.9%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Excellent 3Y average ROE of 22.1%
✓Strong Piotroski F-Score: 8/9
✓Efficient operations: 27.3% efficiency ratio
✓Well capitalized: 25.3% equity/assets
✓Share count reduced 6.8% through buybacks
✓Diversified revenue: 98.4% from non-interest income

✗Weaknesses

✗Weak NIM of 0.1%
✗Weak momentum: RS Rating 16 (bottom 16%)
✗Trading more than 30% below 52-week high

Price & Volume

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Growth Metrics

Revenue CAGR

10Y13.68%

5Y9.22%

3Y6.6%

TTM-

Profit (Net Income) CAGR

10Y15.6%

5Y4.49%

3Y29.33%

TTM26.19%

EPS CAGR

10Y18.39%

5Y8.85%

3Y37.3%

TTM34.91%

ROCE

10Y Avg13.48%

5Y Avg15.04%

3Y Avg16.82%

Latest19.62%

Peer Comparison

Payment Networks and Merchant Acquiring

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
VVisa Inc.	2.88B	320.14	31.39	11.34%	50.14%	53.62%	100%	0.66
MAMastercard Incorporated	457.84B	517.21	31.31	16.42%	45.65%	193.01%	3.75%	2.45
AXPAmerican Express Company	212.83B	308.90	22.03	10.15%	13.65%	32.52%	5.7%	1.69
PYPLPayPal Holdings, Inc.	42.51B	46.21	8.54	4.85%	15.7%	25.83%	13.09%	0.49
PMTSCPI Card Group Inc.	139.67M	12.27	7.48	8.11%	4.06%		24.38%
WUThe Western Union Company	3.04B	9.63	6.29	-4%	12.36%	52.16%	12.92%
CURRCurrenc Group, Inc.	160.12M	2.09	-2.03	-12.81%	-85.01%	-138.16%	1.79%
GDOTGreen Dot Corporation	640.67M	11.56	-23.12	14.82%	-1.55%	-5.14%	1.11%	0.07

Profit & Loss

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Net Interest Income+	56M	78M	91M	82M	-121M	-175M	-130M	133M	280M	76M
NII Growth %	-	39.29%	16.67%	-9.89%	-247.56%	-44.63%	25.71%	202.31%	110.53%	-72.86%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	59M	85M	168M	197M	88M	57M	174M	480M	662M	517M
Interest Expense	3M	7M	77M	115M	209M	232M	304M	347M	382M	441M
Loan Loss Provision	4.43B	5.42B	6.78B	8.05B	9.47B	11.14B	13.44B	15.72B	16.76B	17.22B
Non-Interest Income+	10.78B	13.01B	15.28B	17.57B	21.37B	25.31B	27.34B	29.29B	31.14B	32.82B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	10.84B	13.09B	15.45B	17.77B	21.45B	25.37B	27.52B	29.77B	31.8B	33.34B
Revenue Growth %	17.24%	20.77%	18%	15.02%	20.72%	18.26%	8.46%	8.19%	6.81%	4.85%
Non-Interest Expense	4.82B	5.54B	6.4B	6.88B	8.49B	9.73B	9.94B	8.68B	9.33B	9.11B
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	1.59B	2.13B	2.19B	2.72B	3.29B	4.26B	3.84B	5.03B	5.33B	6.57B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	8.56%	34.11%	3.15%	23.93%	20.96%	29.58%	-9.97%	31.04%	5.91%	23.34%
Pretax Income+	1.63B	2.2B	2.38B	3B	5.07B	4.1B	3.37B	5.41B	5.33B	6.29B
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	230M	405M	319M	539M	863M	-70M	947M	1.17B	1.18B	1.06B
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	1.4B	1.79B	2.06B	2.46B	4.2B	4.17B	2.42B	4.25B	4.15B	5.23B
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	14.09%	28.12%	14.6%	19.54%	70.88%	-0.79%	-41.98%	75.53%	-2.33%	26.19%
Net Income (Continuing)	1.4B	1.79B	2.06B	2.46B	4.2B	4.17B	2.42B	4.25B	4.15B	5.23B
EPS (Diluted)+	1.15	1.47	1.71	2.07	3.54	3.52	2.09	3.84	3.99	5.41
EPS Growth %	15%	27.83%	16.33%	21.05%	71.01%	-0.56%	-40.63%	83.73%	3.91%	35.59%
EPS (Basic)	1.16	1.49	1.74	2.09	3.58	3.55	2.10	3.85	4.03	5.46
Diluted Shares Outstanding	1.22B	1.22B	1.2B	1.19B	1.19B	1.19B	1.16B	1.11B	1.04B	968M

Balance Sheet

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash & Short Term Investments+	4.97B	5.7B	9.11B	10.76B	13.08B	9.39B	10.85B	14.06B	10.82B	10.42B
Cash & Due from Banks	1.59B	2.88B	7.58B	7.35B	4.79B	5.2B	7.78B	9.08B	6.56B	8.05B
Short Term Investments	3.38B	2.81B	1.53B	3.41B	8.29B	4.19B	3.08B	4.98B	4.26B	2.37B
Total Investments+	4.92B	4.77B	2.5B	6.28B	14.38B	10.99B	8.09B	8.25B	8.84B	6.7B
Investments Growth %	12.78%	-3.07%	-47.52%	150.5%	129.13%	-23.56%	-26.37%	1.93%	7.21%	-24.21%
Long-Term Investments	1.54B	1.96B	971M	2.86B	6.09B	6.8B	5.02B	3.27B	4.58B	4.33B
Accounts Receivables	14.58B	18.52B	20.38B	22.96B	33.99B	36.94B	37.23B	40B	38.66B	47.51B
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	4.06B	4.34B	6.28B	6.21B	9.13B	11.45B	11.21B	11.03B	10.84B	10.86B
Intangible Assets	211M	168M	825M	778M	1.05B	1.33B	788M	537M	326M	208M
PP&E (Net)	1.48B	1.53B	1.72B	1.69B	1.81B	1.91B	1.73B	1.49B	1.51B	1.7B
Other Assets	79M	133M	565M	1.29B	1.3B	1.74B	2.46B	3.27B	3.27B	3.31B
Total Current Assets	25.73B	32.65B	32.96B	38.49B	50.99B	52.57B	57.42B	62.57B	61.09B	59.76B
Total Non-Current Assets	7.37B	8.13B	10.37B	12.84B	19.38B	23.23B	21.2B	19.6B	20.52B	20.41B
Total Assets+	33.1B	40.77B	43.33B	51.33B	70.38B	75.8B	78.62B	82.17B	81.61B	80.17B
Asset Growth %	14.62%	23.17%	6.27%	18.46%	37.1%	7.71%	3.72%	4.5%	-0.68%	-1.76%
Return on Assets (ROA)	4.52%	4.86%	4.89%	5.2%	6.9%	5.7%	3.13%	5.28%	5.06%	6.47%
Accounts Payable	15.36B	20B	21.84B	24.76B	35.67B	39.04B	40.14B	42.07B	39.9B	40.44B
Total Debt+	0	1B	2B	4.96B	8.94B	9.05B	10.42B	9.68B	9.88B	9.99B
Net Debt	-1.59B	-1.88B	-5.58B	-2.38B	4.14B	3.85B	2.64B	595M	3.32B	1.94B
Long-Term Debt	0	0	0	4.96B	8.94B	8.05B	10.42B	9.68B	9.88B	9.99B
Short-Term Debt	0	1B	2B	0	0	999M	0	0	0	0
Other Liabilities	0	0	0	0	0	0	0	2.97B	2.94B	3.49B
Total Current Liabilities	16.88B	22.86B	25.9B	26.92B	38.45B	43.03B	45.01B	48.47B	48.38B	46.44B
Total Non-Current Liabilities	1.51B	1.92B	2.04B	7.49B	11.87B	11.05B	13.34B	12.65B	12.82B	13.47B
Total Liabilities	18.39B	24.78B	27.95B	34.4B	50.32B	54.08B	58.35B	61.12B	61.19B	59.92B
Total Equity+	14.71B	15.99B	15.39B	16.93B	20.06B	21.73B	20.27B	21.05B	20.42B	20.26B
Equity Growth %	6.93%	8.71%	-3.8%	10.03%	18.51%	8.29%	-6.69%	3.83%	-3.01%	-0.79%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	9.84%	11.69%	13.11%	15.22%	22.72%	19.95%	11.52%	20.55%	20%	25.73%
Book Value per Share	12.08	13.10	12.79	14.25	16.90	18.32	17.51	19.02	19.65	20.93
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	0	0	0	0	0	0	0	0	0	0
Additional Paid-in Capital	13.58B	14.31B	14.94B	15.59B	16.64B	17.21B	18.33B	19.64B	20.7B	21.58B
Retained Earnings	2.07B	3.82B	5.88B	8.34B	12.37B	16.54B	18.95B	23.2B	27.35B	32.47B
Accumulated OCI	59M	-142M	78M	-173M	-484M	-136M	-928M	-746M	-550M	-658M
Treasury Stock	-995M	-2B	-5.51B	-6.87B	-8.51B	-11.88B	-16.08B	-21.05B	-27.09B	-33.14B
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash from Operations+	3.16B	2.53B	5.48B	4.07B	6.22B	5.8B	5.81B	4.84B	7.45B	6.42B
Operating CF Growth %	24.04%	-19.85%	116.52%	-25.71%	52.76%	-6.79%	0.28%	-16.69%	53.83%	-13.88%
Net Income	1.4B	1.79B	2.06B	2.46B	4.2B	4.17B	2.42B	4.25B	4.15B	5.23B
Depreciation & Amortization	724M	805M	776M	912M	1.19B	1.26B	1.32B	1.07B	1.03B	937M
Deferred Taxes	52M	-1.3B	-171M	-269M	165M	-482M	-811M	-668M	231M	217M
Other Non-Cash Items	1.02B	1.08B	1.35B	1.02B	-126M	1.11B	2.08B	32M	1.37B	91M
Working Capital Changes	-481M	-581M	619M	-1.07B	-587M	-1.65B	-454M	-1.31B	-558M	-1.06B
Cash from Investing+	-5.9B	-4.49B	821M	-5.74B	-16.55B	-5.15B	-3.33B	752M	1.59B	797M
Purchase of Investments	-21.04B	-19.42B	-22.38B	-27.88B	-41.51B	-40.12B	-20.22B	-21.98B	-26.63B	-20.6B
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	-19M	-323M	-2.12B	-70M	-3.61B	-2.76B	0	466M	0	0
Other Investing	-2.6B	-2.52B	4.25B	-1.97B	-1.47B	-1.06B	-5.81B	-1.41B	1.61B	-9.45B
Cash from Financing+	2.04B	4.08B	-1.24B	4.19B	12.45B	-557M	-1.2B	-2.99B	-8.28B	-5.96B
Dividends Paid	0	0	0	0	0	0	0	0	0	-130M
Share Repurchases	-995M	-1.01B	-3.52B	-1.41B	-1.64B	-3.37B	-4.2B	-5B	-6.05B	-6.05B
Stock Issued	109M	144M	144M	138M	137M	162M	143M	127M	95M	117M
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	1000K	1000K	1000K	1000K	-1000K	1000K	1000K	-1000K	1000K
Other Financing	2.94B	4.13B	1.18B	2.5B	9.99B	2.74B	1.06B	1.41B	-2.21B	-2.72B
Net Change in Cash+	-708M	2.17B	4.95B	2.51B	2.3B	-11M	1.13B	2.68B	556M	2.77B
Exchange Rate Effect	0	1000K	-1000K	-1000K	1000K	-1000K	-1000K	1000K	-1000K	1000K
Cash at Beginning	6.83B	6.12B	8.29B	13.23B	15.74B	18.04B	18.03B	19.16B	21.83B	21.25B
Cash at End	6.12B	8.29B	13.23B	15.74B	18.04B	18.03B	19.16B	21.83B	22.39B	24.02B
Interest Paid	4M	6M	69M	78M	190M	231M	280M	331M	366M	210M
Income Taxes Paid	48M	117M	328M	665M	565M	474M	878M	2.12B	1.03B	1.03B
Free Cash Flow+	2.49B	1.86B	4.66B	3.37B	5.35B	4.89B	5.11B	4.22B	6.77B	5.56B
FCF Growth %	36.46%	-25.11%	149.84%	-27.7%	58.98%	-8.67%	4.46%	-17.37%	60.36%	-17.78%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	9.84%	11.69%	13.11%	15.22%	22.72%	19.95%	11.52%	20.55%	20%	25.73%
Return on Assets (ROA)	4.52%	4.86%	4.89%	5.2%	6.9%	5.7%	3.13%	5.28%	5.06%	6.47%
Net Interest Margin	0.17%	0.19%	0.21%	0.16%	-0.17%	-0.23%	-0.17%	0.16%	0.34%	0.09%
Efficiency Ratio	44.48%	42.29%	41.43%	38.73%	39.57%	38.37%	36.11%	29.14%	29.35%	27.33%
Equity / Assets	44.44%	39.23%	35.51%	32.98%	28.51%	28.66%	25.79%	25.62%	25.02%	25.27%
Book Value / Share	12.08	13.1	12.79	14.25	16.9	18.32	17.51	19.02	19.65	20.93
NII Growth	-	39.29%	16.67%	-9.89%	-247.56%	-44.63%	25.71%	202.31%	110.53%	-72.86%
Dividend Payout	-	-	-	-	-	-	-	-	-	2.48%

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PayPal Holdings, Inc. (PYPL) 10-Year Financial Performance & Capital Metrics

PYPL • • Banking & Credit

Financial ServicesCredit ServicesPayment Networks and Merchant Acquiring

Net Interest Income $76M -72.9%
Total Revenue $33.34B +4.8%
Net Income $5.23B +26.2%
Return on Equity 25.73% +28.7%
Net Interest Margin 0.09% -72.4%
Efficiency Ratio 27.33% -6.9%
ROA 6.47% +27.7%
Equity / Assets 25.27% +1.0%
Book Value per Share 20.93 +6.5%
Tangible BV/Share 9.49 +6.5%
Debt/Equity 0.49 +1.9%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Excellent 3Y average ROE of 22.1%
✓Strong Piotroski F-Score: 8/9
✓Efficient operations: 27.3% efficiency ratio
✓Well capitalized: 25.3% equity/assets
✓Share count reduced 6.8% through buybacks
✓Diversified revenue: 98.4% from non-interest income

✗Weaknesses

✗Weak NIM of 0.1%
✗Weak momentum: RS Rating 16 (bottom 16%)
✗Trading more than 30% below 52-week high

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y13.68%

5Y9.22%

3Y6.6%

TTM-

Profit (Net Income) CAGR

10Y15.6%

5Y4.49%

3Y29.33%

TTM26.19%

EPS CAGR

10Y18.39%

5Y8.85%

3Y37.3%

TTM34.91%

ROCE

10Y Avg13.48%

5Y Avg15.04%

3Y Avg16.82%

Latest19.62%

Peer Comparison

Payment Networks and Merchant Acquiring

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
VVisa Inc.	2.88B	320.14	31.39	11.34%	50.14%	53.62%	100%	0.66
MAMastercard Incorporated	457.84B	517.21	31.31	16.42%	45.65%	193.01%	3.75%	2.45
AXPAmerican Express Company	212.83B	308.90	22.03	10.15%	13.65%	32.52%	5.7%	1.69
PYPLPayPal Holdings, Inc.	42.51B	46.21	8.54	4.85%	15.7%	25.83%	13.09%	0.49
PMTSCPI Card Group Inc.	139.67M	12.27	7.48	8.11%	4.06%		24.38%
WUThe Western Union Company	3.04B	9.63	6.29	-4%	12.36%	52.16%	12.92%
CURRCurrenc Group, Inc.	160.12M	2.09	-2.03	-12.81%	-85.01%	-138.16%	1.79%
GDOTGreen Dot Corporation	640.67M	11.56	-23.12	14.82%	-1.55%	-5.14%	1.11%	0.07

Profit & Loss

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Net Interest Income+	56M	78M	91M	82M	-121M	-175M	-130M	133M	280M	76M
NII Growth %	-	39.29%	16.67%	-9.89%	-247.56%	-44.63%	25.71%	202.31%	110.53%	-72.86%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	59M	85M	168M	197M	88M	57M	174M	480M	662M	517M
Interest Expense	3M	7M	77M	115M	209M	232M	304M	347M	382M	441M
Loan Loss Provision	4.43B	5.42B	6.78B	8.05B	9.47B	11.14B	13.44B	15.72B	16.76B	17.22B
Non-Interest Income+	10.78B	13.01B	15.28B	17.57B	21.37B	25.31B	27.34B	29.29B	31.14B	32.82B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	10.84B	13.09B	15.45B	17.77B	21.45B	25.37B	27.52B	29.77B	31.8B	33.34B
Revenue Growth %	17.24%	20.77%	18%	15.02%	20.72%	18.26%	8.46%	8.19%	6.81%	4.85%
Non-Interest Expense	4.82B	5.54B	6.4B	6.88B	8.49B	9.73B	9.94B	8.68B	9.33B	9.11B
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	1.59B	2.13B	2.19B	2.72B	3.29B	4.26B	3.84B	5.03B	5.33B	6.57B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	8.56%	34.11%	3.15%	23.93%	20.96%	29.58%	-9.97%	31.04%	5.91%	23.34%
Pretax Income+	1.63B	2.2B	2.38B	3B	5.07B	4.1B	3.37B	5.41B	5.33B	6.29B
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	230M	405M	319M	539M	863M	-70M	947M	1.17B	1.18B	1.06B
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	1.4B	1.79B	2.06B	2.46B	4.2B	4.17B	2.42B	4.25B	4.15B	5.23B
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	14.09%	28.12%	14.6%	19.54%	70.88%	-0.79%	-41.98%	75.53%	-2.33%	26.19%
Net Income (Continuing)	1.4B	1.79B	2.06B	2.46B	4.2B	4.17B	2.42B	4.25B	4.15B	5.23B
EPS (Diluted)+	1.15	1.47	1.71	2.07	3.54	3.52	2.09	3.84	3.99	5.41
EPS Growth %	15%	27.83%	16.33%	21.05%	71.01%	-0.56%	-40.63%	83.73%	3.91%	35.59%
EPS (Basic)	1.16	1.49	1.74	2.09	3.58	3.55	2.10	3.85	4.03	5.46
Diluted Shares Outstanding	1.22B	1.22B	1.2B	1.19B	1.19B	1.19B	1.16B	1.11B	1.04B	968M

Balance Sheet

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash & Short Term Investments+	4.97B	5.7B	9.11B	10.76B	13.08B	9.39B	10.85B	14.06B	10.82B	10.42B
Cash & Due from Banks	1.59B	2.88B	7.58B	7.35B	4.79B	5.2B	7.78B	9.08B	6.56B	8.05B
Short Term Investments	3.38B	2.81B	1.53B	3.41B	8.29B	4.19B	3.08B	4.98B	4.26B	2.37B
Total Investments+	4.92B	4.77B	2.5B	6.28B	14.38B	10.99B	8.09B	8.25B	8.84B	6.7B
Investments Growth %	12.78%	-3.07%	-47.52%	150.5%	129.13%	-23.56%	-26.37%	1.93%	7.21%	-24.21%
Long-Term Investments	1.54B	1.96B	971M	2.86B	6.09B	6.8B	5.02B	3.27B	4.58B	4.33B
Accounts Receivables	14.58B	18.52B	20.38B	22.96B	33.99B	36.94B	37.23B	40B	38.66B	47.51B
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	4.06B	4.34B	6.28B	6.21B	9.13B	11.45B	11.21B	11.03B	10.84B	10.86B
Intangible Assets	211M	168M	825M	778M	1.05B	1.33B	788M	537M	326M	208M
PP&E (Net)	1.48B	1.53B	1.72B	1.69B	1.81B	1.91B	1.73B	1.49B	1.51B	1.7B
Other Assets	79M	133M	565M	1.29B	1.3B	1.74B	2.46B	3.27B	3.27B	3.31B
Total Current Assets	25.73B	32.65B	32.96B	38.49B	50.99B	52.57B	57.42B	62.57B	61.09B	59.76B
Total Non-Current Assets	7.37B	8.13B	10.37B	12.84B	19.38B	23.23B	21.2B	19.6B	20.52B	20.41B
Total Assets+	33.1B	40.77B	43.33B	51.33B	70.38B	75.8B	78.62B	82.17B	81.61B	80.17B
Asset Growth %	14.62%	23.17%	6.27%	18.46%	37.1%	7.71%	3.72%	4.5%	-0.68%	-1.76%
Return on Assets (ROA)	4.52%	4.86%	4.89%	5.2%	6.9%	5.7%	3.13%	5.28%	5.06%	6.47%
Accounts Payable	15.36B	20B	21.84B	24.76B	35.67B	39.04B	40.14B	42.07B	39.9B	40.44B
Total Debt+	0	1B	2B	4.96B	8.94B	9.05B	10.42B	9.68B	9.88B	9.99B
Net Debt	-1.59B	-1.88B	-5.58B	-2.38B	4.14B	3.85B	2.64B	595M	3.32B	1.94B
Long-Term Debt	0	0	0	4.96B	8.94B	8.05B	10.42B	9.68B	9.88B	9.99B
Short-Term Debt	0	1B	2B	0	0	999M	0	0	0	0
Other Liabilities	0	0	0	0	0	0	0	2.97B	2.94B	3.49B
Total Current Liabilities	16.88B	22.86B	25.9B	26.92B	38.45B	43.03B	45.01B	48.47B	48.38B	46.44B
Total Non-Current Liabilities	1.51B	1.92B	2.04B	7.49B	11.87B	11.05B	13.34B	12.65B	12.82B	13.47B
Total Liabilities	18.39B	24.78B	27.95B	34.4B	50.32B	54.08B	58.35B	61.12B	61.19B	59.92B
Total Equity+	14.71B	15.99B	15.39B	16.93B	20.06B	21.73B	20.27B	21.05B	20.42B	20.26B
Equity Growth %	6.93%	8.71%	-3.8%	10.03%	18.51%	8.29%	-6.69%	3.83%	-3.01%	-0.79%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	9.84%	11.69%	13.11%	15.22%	22.72%	19.95%	11.52%	20.55%	20%	25.73%
Book Value per Share	12.08	13.10	12.79	14.25	16.90	18.32	17.51	19.02	19.65	20.93
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	0	0	0	0	0	0	0	0	0	0
Additional Paid-in Capital	13.58B	14.31B	14.94B	15.59B	16.64B	17.21B	18.33B	19.64B	20.7B	21.58B
Retained Earnings	2.07B	3.82B	5.88B	8.34B	12.37B	16.54B	18.95B	23.2B	27.35B	32.47B
Accumulated OCI	59M	-142M	78M	-173M	-484M	-136M	-928M	-746M	-550M	-658M
Treasury Stock	-995M	-2B	-5.51B	-6.87B	-8.51B	-11.88B	-16.08B	-21.05B	-27.09B	-33.14B
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Cash from Operations+	3.16B	2.53B	5.48B	4.07B	6.22B	5.8B	5.81B	4.84B	7.45B	6.42B
Operating CF Growth %	24.04%	-19.85%	116.52%	-25.71%	52.76%	-6.79%	0.28%	-16.69%	53.83%	-13.88%
Net Income	1.4B	1.79B	2.06B	2.46B	4.2B	4.17B	2.42B	4.25B	4.15B	5.23B
Depreciation & Amortization	724M	805M	776M	912M	1.19B	1.26B	1.32B	1.07B	1.03B	937M
Deferred Taxes	52M	-1.3B	-171M	-269M	165M	-482M	-811M	-668M	231M	217M
Other Non-Cash Items	1.02B	1.08B	1.35B	1.02B	-126M	1.11B	2.08B	32M	1.37B	91M
Working Capital Changes	-481M	-581M	619M	-1.07B	-587M	-1.65B	-454M	-1.31B	-558M	-1.06B
Cash from Investing+	-5.9B	-4.49B	821M	-5.74B	-16.55B	-5.15B	-3.33B	752M	1.59B	797M
Purchase of Investments	-21.04B	-19.42B	-22.38B	-27.88B	-41.51B	-40.12B	-20.22B	-21.98B	-26.63B	-20.6B
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	-19M	-323M	-2.12B	-70M	-3.61B	-2.76B	0	466M	0	0
Other Investing	-2.6B	-2.52B	4.25B	-1.97B	-1.47B	-1.06B	-5.81B	-1.41B	1.61B	-9.45B
Cash from Financing+	2.04B	4.08B	-1.24B	4.19B	12.45B	-557M	-1.2B	-2.99B	-8.28B	-5.96B
Dividends Paid	0	0	0	0	0	0	0	0	0	-130M
Share Repurchases	-995M	-1.01B	-3.52B	-1.41B	-1.64B	-3.37B	-4.2B	-5B	-6.05B	-6.05B
Stock Issued	109M	144M	144M	138M	137M	162M	143M	127M	95M	117M
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	1000K	1000K	1000K	1000K	-1000K	1000K	1000K	-1000K	1000K
Other Financing	2.94B	4.13B	1.18B	2.5B	9.99B	2.74B	1.06B	1.41B	-2.21B	-2.72B
Net Change in Cash+	-708M	2.17B	4.95B	2.51B	2.3B	-11M	1.13B	2.68B	556M	2.77B
Exchange Rate Effect	0	1000K	-1000K	-1000K	1000K	-1000K	-1000K	1000K	-1000K	1000K
Cash at Beginning	6.83B	6.12B	8.29B	13.23B	15.74B	18.04B	18.03B	19.16B	21.83B	21.25B
Cash at End	6.12B	8.29B	13.23B	15.74B	18.04B	18.03B	19.16B	21.83B	22.39B	24.02B
Interest Paid	4M	6M	69M	78M	190M	231M	280M	331M	366M	210M
Income Taxes Paid	48M	117M	328M	665M	565M	474M	878M	2.12B	1.03B	1.03B
Free Cash Flow+	2.49B	1.86B	4.66B	3.37B	5.35B	4.89B	5.11B	4.22B	6.77B	5.56B
FCF Growth %	36.46%	-25.11%	149.84%	-27.7%	58.98%	-8.67%	4.46%	-17.37%	60.36%	-17.78%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	9.84%	11.69%	13.11%	15.22%	22.72%	19.95%	11.52%	20.55%	20%	25.73%
Return on Assets (ROA)	4.52%	4.86%	4.89%	5.2%	6.9%	5.7%	3.13%	5.28%	5.06%	6.47%
Net Interest Margin	0.17%	0.19%	0.21%	0.16%	-0.17%	-0.23%	-0.17%	0.16%	0.34%	0.09%
Efficiency Ratio	44.48%	42.29%	41.43%	38.73%	39.57%	38.37%	36.11%	29.14%	29.35%	27.33%
Equity / Assets	44.44%	39.23%	35.51%	32.98%	28.51%	28.66%	25.79%	25.62%	25.02%	25.27%
Book Value / Share	12.08	13.1	12.79	14.25	16.9	18.32	17.51	19.02	19.65	20.93
NII Growth	-	39.29%	16.67%	-9.89%	-247.56%	-44.63%	25.71%	202.31%	110.53%	-72.86%
Dividend Payout	-	-	-	-	-	-	-	-	-	2.48%

PayPal Holdings, Inc. (PYPL) 10-Year Financial Performance & Capital Metrics

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PayPal Holdings, Inc. (PYPL) 10-Year Financial Performance & Capital Metrics

Key Insights

✓Strengths

✗Weaknesses

Price & Volume

Growth Metrics

Revenue CAGR

Profit (Net Income) CAGR

EPS CAGR

ROCE

Peer Comparison

Compare PYPL vs Peers

vs MA

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