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

PYPL • • Banking & Credit

Financial ServicesCredit ServicesPayment Processing & Digital PaymentsDigital Payment Platforms

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 $280M +110.5%
Total Revenue $31.8B +6.8%
Net Income $4.15B -2.3%
Return on Equity 20% -2.7%
Net Interest Margin 0.34% +112.0%
Efficiency Ratio 29.35% +0.7%
ROA 5.06% -4.1%
Equity / Assets 25.02% -2.4%
Book Value per Share 19.65 +3.3%
Tangible BV/Share 8.91 +3.9%
Debt/Equity 0.48 +5.3%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 29.4% efficiency ratio
✓Well capitalized: 25.0% equity/assets
✓Good 3Y average ROE of 17.4%
✓Share count reduced 6.1% through buybacks
✓Diversified revenue: 97.9% from non-interest income

✗Weaknesses

✗Weak NIM of 0.3%
✗Weak momentum: RS Rating 17 (bottom 17%)
✗Trading more than 30% below 52-week high

Price & Volume

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Growth Metrics

Revenue CAGR

10Y14.76%

5Y12.34%

3Y7.82%

TTM-

Profit (Net Income) CAGR

10Y25.76%

5Y11.02%

3Y-0.18%

TTM11.04%

EPS CAGR

10Y27.92%

5Y14.03%

3Y4.27%

TTM19.09%

ROCE

10Y Avg12.74%

5Y Avg13.45%

3Y Avg14.14%

Latest15.91%

Peer Comparison

Digital Payment Platforms

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
SEZLSezzle Inc.	2.6B	76.26	34.82	70.14%	28.96%	74.58%	1.51%	1.19
PYPLPayPal Holdings, Inc.	52.92B	56.56	14.18	6.81%	13.04%	24.34%	12.79%	0.48
WUThe Western Union Company	2.92B	9.20	3.36	-3.38%	22.19%	83.3%	12.62%	3.23
CURRCurrenc Group, Inc.	123.32M	1.61	-1.56	-12.81%	-85.01%	-138.16%	2.33%
GDOTGreen Dot Corporation	682.14M	12.28	-24.56	14.82%	-1.55%	-5.14%	1.04%	0.07

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	0	56M	78M	91M	82M	-121M	-175M	-130M	133M	280M
NII Growth %	-	-	0.39%	0.17%	-0.1%	-2.48%	-0.45%	0.26%	2.02%	1.11%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	0	59M	85M	168M	197M	88M	57M	174M	480M	662M
Interest Expense	0	3M	7M	77M	115M	209M	232M	304M	347M	382M
Loan Loss Provision	3.42B	4.43B	5.42B	6.78B	8.05B	9.47B	11.14B	13.44B	15.72B	16.76B
Non-Interest Income+	9.25B	10.78B	13.01B	15.28B	17.57B	21.37B	25.31B	27.34B	29.29B	31.14B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	9.25B	10.84B	13.09B	15.45B	17.77B	21.45B	25.37B	27.52B	29.77B	31.8B
Revenue Growth %	0.15%	0.17%	0.21%	0.18%	0.15%	0.21%	0.18%	0.08%	0.08%	0.07%
Non-Interest Expense	4.37B	4.82B	5.54B	6.4B	6.88B	8.49B	9.73B	9.94B	8.68B	9.33B
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	1.46B	1.59B	2.13B	2.19B	2.72B	3.29B	4.26B	3.84B	5.03B	5.33B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.15%	0.09%	0.34%	0.03%	0.24%	0.21%	0.3%	-0.1%	0.31%	0.06%
Pretax Income+	1.49B	1.63B	2.2B	2.38B	3B	5.07B	4.1B	3.37B	5.41B	5.33B
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	260M	230M	405M	319M	539M	863M	-70M	947M	1.17B	1.18B
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	1.23B	1.4B	1.79B	2.06B	2.46B	4.2B	4.17B	2.42B	4.25B	4.15B
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	1.93%	0.14%	0.28%	0.15%	0.2%	0.71%	-0.01%	-0.42%	0.76%	-0.02%
Net Income (Continuing)	1.23B	1.4B	1.79B	2.06B	2.46B	4.2B	4.17B	2.42B	4.25B	4.15B
EPS (Diluted)+	1.00	1.15	1.47	1.71	2.07	3.54	3.52	2.09	3.84	3.99
EPS Growth %	1.94%	0.15%	0.28%	0.16%	0.21%	0.71%	-0.01%	-0.41%	0.84%	0.04%
EPS (Basic)	1.00	1.16	1.49	1.74	2.09	3.58	3.55	2.10	3.85	4.03
Diluted Shares Outstanding	1.23B	1.22B	1.22B	1.2B	1.19B	1.19B	1.19B	1.16B	1.11B	1.04B

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	1.39B	1.59B	2.88B	7.58B	7.35B	4.79B	5.2B	7.78B	9.08B	6.56B
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	4.37B	4.92B	4.77B	2.5B	6.28B	14.38B	10.99B	8.09B	8.25B	8.84B
Investments Growth %	71.77%	0.13%	-0.03%	-0.48%	1.5%	1.29%	-0.24%	-0.26%	0.02%	0.07%
Long-Term Investments	2.35B	1.54B	1.96B	971M	2.86B	6.09B	6.8B	5.02B	3.27B	4.58B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	4.07B	4.06B	4.34B	6.28B	6.21B	9.13B	11.45B	11.21B	11.03B	10.84B
Intangible Assets	358M	211M	168M	825M	778M	1.05B	1.33B	788M	537M	326M
PP&E (Net)	1.34B	1.48B	1.53B	1.72B	1.69B	1.81B	1.91B	1.73B	1.49B	1.51B
Other Assets	114M	79M	133M	565M	1.29B	1.3B	1.74B	2.46B	3.27B	3.27B
Total Current Assets	20.65B	25.73B	32.65B	32.96B	38.49B	50.99B	52.57B	57.42B	62.57B	61.09B
Total Non-Current Assets	8.23B	7.37B	8.13B	10.37B	12.84B	19.38B	23.23B	21.2B	19.6B	20.52B
Total Assets+	28.88B	33.1B	40.77B	43.33B	51.33B	70.38B	75.8B	78.62B	82.17B	81.61B
Asset Growth %	0.32%	0.15%	0.23%	0.06%	0.18%	0.37%	0.08%	0.04%	0.05%	-0.01%
Return on Assets (ROA)	0.05%	0.05%	0.05%	0.05%	0.05%	0.07%	0.06%	0.03%	0.05%	0.05%
Accounts Payable	12.41B	15.36B	20B	21.84B	24.76B	35.67B	39.04B	40.14B	42.07B	39.9B
Total Debt+	0	0	1B	2B	4.96B	8.94B	9.05B	10.42B	9.68B	9.88B
Net Debt	-1.39B	-1.59B	-1.88B	-5.58B	-2.38B	4.14B	3.85B	2.64B	595M	3.32B
Long-Term Debt	0	0	0	0	4.96B	8.94B	8.05B	10.42B	9.68B	9.88B
Short-Term Debt	0	0	1B	2B	0	0	999M	0	0	0
Other Liabilities	0	0	0	0	0	0	0	0	2.97B	2.94B
Total Current Liabilities	13.62B	16.88B	22.86B	25.9B	26.92B	38.45B	43.03B	45.01B	48.47B	48.38B
Total Non-Current Liabilities	1.5B	1.51B	1.92B	2.04B	7.49B	11.87B	11.05B	13.34B	12.65B	12.82B
Total Liabilities	15.12B	18.39B	24.78B	27.95B	34.4B	50.32B	54.08B	58.35B	61.12B	61.19B
Total Equity+	13.76B	14.71B	15.99B	15.39B	16.93B	20.06B	21.73B	20.27B	21.05B	20.42B
Equity Growth %	0.67%	0.07%	0.09%	-0.04%	0.1%	0.19%	0.08%	-0.07%	0.04%	-0.03%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.11%	0.1%	0.12%	0.13%	0.15%	0.23%	0.2%	0.12%	0.21%	0.2%
Book Value per Share	11.20	12.08	13.10	12.79	14.25	16.90	18.32	17.51	19.02	19.65
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	0	0	0	0	0	0	0	0	0	0
Additional Paid-in Capital	13.1B	13.58B	14.31B	14.94B	15.59B	16.64B	17.21B	18.33B	19.64B	20.7B
Retained Earnings	668M	2.07B	3.82B	5.88B	8.34B	12.37B	16.54B	18.95B	23.2B	27.35B
Accumulated OCI	-9M	59M	-142M	78M	-173M	-484M	-136M	-928M	-746M	-550M
Treasury Stock	0	-995M	-2B	-5.51B	-6.87B	-8.51B	-11.88B	-16.08B	-21.05B	-27.09B
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	2.55B	3.16B	2.53B	5.48B	4.07B	6.22B	5.8B	5.81B	4.84B	7.45B
Operating CF Growth %	0.15%	0.24%	-0.2%	1.17%	-0.26%	0.53%	-0.07%	0%	-0.17%	0.54%
Net Income	1.23B	1.4B	1.79B	2.06B	2.46B	4.2B	4.17B	2.42B	4.25B	4.15B
Depreciation & Amortization	608M	724M	805M	776M	912M	1.19B	1.26B	1.32B	1.07B	1.03B
Deferred Taxes	127M	52M	-1.3B	-171M	-269M	165M	-482M	-811M	-668M	231M
Other Non-Cash Items	743M	1.02B	1.08B	1.35B	1.02B	-126M	1.11B	2.08B	32M	1.37B
Working Capital Changes	-506M	-481M	-581M	619M	-1.07B	-587M	-1.65B	-454M	-1.31B	-558M
Cash from Investing+	-8.04B	-5.9B	-4.49B	821M	-5.74B	-16.55B	-5.15B	-3.33B	752M	1.59B
Purchase of Investments	-21.63B	-21.04B	-19.42B	-22.38B	-27.88B	-41.51B	-40.12B	-20.22B	-21.98B	-26.63B
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	-1.23B	-19M	-323M	-2.12B	-70M	-3.61B	-2.76B	0	466M	0
Other Investing	-613M	-2.6B	-2.52B	4.25B	-1.97B	-1.47B	-1.06B	-5.81B	-1.41B	1.61B
Cash from Financing+	4.73B	2.04B	4.08B	-1.24B	4.19B	12.45B	-557M	-1.2B	-2.99B	-8.28B
Dividends Paid	0	0	0	0	0	0	0	0	0	0
Share Repurchases	0	-995M	-1.01B	-3.52B	-1.41B	-1.64B	-3.37B	-4.2B	-5B	-6.05B
Stock Issued	75M	109M	144M	144M	138M	137M	162M	143M	127M	95M
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	-1000K	1000K	1000K	1000K	1000K	-1000K	1000K	1000K	-1000K
Other Financing	5.51B	2.94B	4.13B	1.18B	2.5B	9.99B	2.74B	1.06B	1.41B	-2.21B
Net Change in Cash+	-808M	-708M	2.17B	4.95B	2.51B	2.3B	-11M	1.13B	2.68B	556M
Exchange Rate Effect	-1000K	0	1000K	-1000K	-1000K	1000K	-1000K	-1000K	1000K	-1000K
Cash at Beginning	2.2B	6.83B	6.12B	8.29B	13.23B	15.74B	18.04B	18.03B	19.16B	21.83B
Cash at End	1.39B	6.12B	8.29B	13.23B	15.74B	18.04B	18.03B	19.16B	21.83B	22.39B
Interest Paid	16M	4M	6M	69M	78M	190M	231M	280M	331M	366M
Income Taxes Paid	216M	48M	117M	328M	665M	565M	474M	878M	2.12B	1.03B
Free Cash Flow+	1.82B	2.49B	1.86B	4.66B	3.37B	5.35B	4.89B	5.11B	4.22B	6.77B
FCF Growth %	0.06%	0.36%	-0.25%	1.5%	-0.28%	0.59%	-0.09%	0.04%	-0.17%	0.6%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	11.16%	9.84%	11.69%	13.11%	15.22%	22.72%	19.95%	11.52%	20.55%	20%
Return on Assets (ROA)	4.83%	4.52%	4.86%	4.89%	5.2%	6.9%	5.7%	3.13%	5.28%	5.06%
Net Interest Margin	0%	0.17%	0.19%	0.21%	0.16%	-0.17%	-0.23%	-0.17%	0.16%	0.34%
Efficiency Ratio	47.23%	44.48%	42.29%	41.43%	38.73%	39.57%	38.37%	36.11%	29.14%	29.35%
Equity / Assets	47.64%	44.44%	39.23%	35.51%	32.98%	28.51%	28.66%	25.79%	25.62%	25.02%
Book Value / Share	11.2	12.08	13.1	12.79	14.25	16.9	18.32	17.51	19.02	19.65
NII Growth	-	-	39.29%	16.67%	-9.89%	-247.56%	-44.63%	25.71%	202.31%	110.53%

Revenue by Segment

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Transaction Revenue	8.13B	9.49B	11.4B	13.71B	16.1B	19.92B	23.4B	25.21B	26.86B	28.84B
Transaction Revenue Growth	-	16.76%	20.15%	20.23%	17.43%	23.72%	17.49%	7.71%	6.55%	7.39%
Other Value Added Services	1.12B	1.35B	1.69B	1.74B	1.67B	1.54B	1.97B	2.31B	2.91B	2.96B
Other Value Added Services Growth	-	20.71%	25.15%	2.96%	-3.96%	-8.19%	28.19%	17.42%	26.04%	1.41%

Revenue by Geography

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
UNITED STATES	4.64B	5.76B	7.08B	8.32B	9.42B	11.01B	13.71B	15.81B	17.25B	18.27B
UNITED STATES Growth	-	24.14%	22.99%	17.50%	13.13%	16.95%	24.51%	15.28%	9.15%	5.88%
Countries Other Than US And United Kingdom	3.42B	3.83B	4.61B	5.47B	6.48B	8.1B	9.32B	9.64B	12.52B	13.53B
Countries Other Than US And United Kingdom Growth	-	11.94%	20.47%	18.68%	18.54%	24.96%	15.04%	3.44%	29.85%	8.08%

Frequently Asked Questions

Valuation & Price

PayPal Holdings, Inc. (PYPL) has a price-to-earnings (P/E) ratio of 14.2x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

PayPal Holdings, Inc. (PYPL) grew revenue by 6.8% over the past year. This is steady growth.

Yes, PayPal Holdings, Inc. (PYPL) is profitable, generating $4.92B in net income for fiscal year 2024 (13.0% net margin).

Dividend & Returns

PayPal Holdings, Inc. (PYPL) has a return on equity (ROE) of 20.0%. This is excellent, indicating efficient use of shareholder capital.

Industry Metrics

PayPal Holdings, Inc. (PYPL) has a net interest margin (NIM) of 0.3%. NIM has been under pressure due to interest rate environment.

PayPal Holdings, Inc. (PYPL) has an efficiency ratio of 29.4%. This is excellent, indicating strong cost control.

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