Last 47 quarters of trend data · Financial Services · Financial - Credit Services
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 10.54 | 8.64 | 9.35 | 9.54 | 12.90 | 14.40 | 12.65 | 19.22 | 19.70 | 13.43 | 20.18 | 11.90 | 15.72 | 18.13 | 27.12 | 21.98 | 18.71 | — | 67.24 | 70.37 | 70.71 |
| — | -40.0% | -26.1% | -50.4% | -34.6% | +7.2% | -37.3% | +61.5% | +25.4% | -25.9% | -25.6% | -45.9% | -16.0% | — | -59.7% | -68.8% | -73.5% | — | +1.9% | +61.0% | +23.5% | |
| P/S Ratio | 1.54 | 1.14 | 1.25 | 1.60 | 1.97 | 2.22 | 2.12 | 2.62 | 2.58 | 1.95 | 2.36 | 2.10 | 2.19 | 2.58 | 3.10 | 2.79 | 3.68 | 3.00 | 5.27 | 8.16 | 12.61 |
| — | -48.8% | -41.2% | -38.8% | -23.5% | +13.9% | -10.1% | +24.8% | +17.9% | -24.5% | -23.8% | -24.9% | -40.6% | -14.0% | -41.3% | -65.8% | -70.8% | -78.5% | -56.4% | -28.0% | +16.2% | |
| P/B Ratio | 2.72 | 1.96 | 2.08 | 2.71 | 3.25 | 3.59 | 3.22 | 4.24 | 3.96 | 2.95 | 3.47 | 3.16 | 3.25 | 3.78 | 4.34 | 4.02 | 4.91 | 4.09 | 6.58 | 10.30 | 13.98 |
| — | -45.4% | -35.4% | -36.2% | -18.0% | +22.0% | -7.2% | +34.0% | +21.8% | -22.1% | -20.0% | -21.3% | -33.8% | -7.6% | -34.1% | -61.0% | -64.9% | -75.3% | -55.7% | -24.7% | +10.5% | |
| P/FCF | 9.04 | 5.48 | 11.52 | 6.26 | 9.54 | 26.23 | 16.90 | 9.88 | 13.82 | 11.10 | 10.18 | 6.74 | 14.58 | — | 21.53 | 14.21 | 15.83 | 18.81 | 33.03 | 55.57 | 60.04 |
| — | -79.1% | -31.9% | -36.6% | -31.0% | +136.3% | +66.0% | +46.5% | -5.2% | — | -52.7% | -52.6% | -7.9% | — | -34.8% | -74.4% | -73.6% | -77.0% | -29.7% | -9.2% | +9.9% | |
| EV / EBITDA | 7.43 | 5.93 | 6.38 | 8.13 | 9.61 | 11.08 | 9.74 | 13.29 | 12.55 | 9.88 | 12.53 | 8.43 | 11.82 | 14.16 | 17.63 | 13.39 | 17.88 | 19.81 | 33.66 | 41.37 | 56.74 |
| — | -46.4% | -34.5% | -38.8% | -23.4% | +12.1% | -22.2% | +57.6% | +6.1% | -30.2% | -29.0% | -37.0% | -33.9% | -28.5% | -47.6% | -67.6% | -68.5% | -67.2% | -38.2% | -24.9% | +22.0% | |
| EV / EBIT | 8.61 | 5.93 | 7.34 | 8.16 | 10.31 | 11.75 | 10.13 | 14.91 | 14.57 | 10.52 | 13.86 | 8.93 | 12.81 | 14.28 | 19.27 | 17.54 | 15.55 | 184.13 | 50.84 | 74.41 | 63.38 |
| — | -49.5% | -27.6% | -45.2% | -29.3% | +11.7% | -26.9% | +66.9% | +13.7% | -26.3% | -28.1% | -49.1% | -17.6% | -92.2% | -62.1% | -76.4% | -75.5% | +198.3% | -35.3% | +104.9% | +28.4% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 46.6% | 44.9% | 45.6% | 46.5% | 46.0% | 46.4% | 47.7% | 47.0% | 46.6% | 45.8% | 45.0% | 45.8% | 45.4% | 45.9% | 47.1% | 49.7% | 51.0% | 48.7% | 50.9% | 52.3% | 54.2% |
| — | -3.1% | -4.4% | -1.1% | -1.2% | +1.4% | +6.1% | +2.8% | +2.5% | -0.4% | -4.5% | -8.0% | -10.9% | -5.6% | -7.4% | -4.9% | -5.9% | -14.3% | -12.0% | -6.5% | -4.4% | |
| Operating Margin | 18.3% | 21.8% | 17.8% | 17.4% | 18.1% | 18.1% | 19.6% | 17.2% | 17.7% | 16.8% | 15.2% | 21.5% | 15.7% | 15.5% | 14.2% | 16.8% | 16.3% | 11.2% | 11.0% | 15.2% | 16.9% |
| — | +19.9% | -9.3% | +1.1% | +1.9% | +8.0% | +29.4% | -20.0% | +12.6% | +8.1% | +6.9% | +27.8% | -3.6% | +38.5% | +29.4% | +11.0% | -3.2% | -37.9% | -36.5% | -3.6% | -5.7% | |
| Net Margin | 15.8% | 12.7% | 13.3% | 16.6% | 14.8% | 15.2% | 16.5% | 13.4% | 12.9% | 14.3% | 11.5% | 17.5% | 13.8% | 14.1% | 11.3% | 12.5% | 19.4% | -5.0% | 7.9% | 11.6% | 17.6% |
| — | -16.4% | -19.3% | +23.6% | +15.2% | +6.4% | +43.2% | -23.3% | -6.4% | +1.3% | +2.1% | +40.0% | -29.2% | +381.8% | +43.8% | +7.7% | +10.5% | -126.4% | -56.8% | -54.8% | -6.0% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 25.7% | 5.5% | 5.5% | 7.1% | 6.2% | 6.2% | 6.3% | 5.5% | 5.0% | 5.5% | 4.3% | 6.9% | 5.2% | 5.2% | 4.0% | 4.5% | 6.6% | -1.7% | 2.4% | 3.7% | 5.1% |
| — | -11.1% | -12.7% | +28.6% | +24.8% | +14.2% | +48.8% | -19.6% | -4.4% | +4.8% | +7.4% | +51.3% | -22.1% | +408.3% | +64.7% | +24.3% | +31.4% | -128.8% | -56.7% | -55.0% | -10.3% | |
| ROA | 6.5% | 1.4% | 1.4% | 1.8% | 1.6% | 1.6% | 1.6% | 1.4% | 1.2% | 1.3% | 1.1% | 1.8% | 1.4% | 1.4% | 1.0% | 1.2% | 1.7% | -0.4% | 0.7% | 1.1% | 1.5% |
| — | -13.6% | -12.4% | +32.3% | +29.7% | +16.2% | +47.3% | -23.2% | -10.7% | -0.6% | +5.1% | +48.8% | -21.7% | +405.4% | +52.0% | +11.5% | +17.7% | -127.4% | -56.3% | -53.8% | -7.6% | |
| ROIC | 15.0% | 4.5% | 3.7% | 3.7% | 3.6% | 3.6% | 3.7% | 3.6% | 3.4% | 3.3% | 2.9% | 4.2% | 2.9% | 2.8% | 2.5% | 3.0% | 2.7% | 1.9% | 1.8% | 2.5% | 2.6% |
| — | +25.0% | +1.0% | +2.7% | +5.0% | +9.1% | +29.2% | -15.7% | +19.3% | +16.6% | +16.8% | +40.1% | +5.7% | +47.5% | +39.5% | +18.9% | +6.5% | -34.4% | -35.4% | -0.4% | -5.2% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.49 | 0.72 | 0.47 | 0.49 | 0.56 | 0.56 | 0.56 | 0.48 | 0.49 | 0.47 | 0.47 | 0.46 | 0.54 | 0.54 | 0.53 | 0.51 | 0.53 | 0.54 | 0.45 | 0.42 | 0.41 |
| — | +28.3% | -16.6% | +1.9% | +12.9% | +18.6% | +20.5% | +5.3% | -8.3% | -12.1% | -11.4% | -10.5% | +2.5% | -0.1% | +17.9% | +23.4% | +29.9% | +25.5% | -2.7% | -6.5% | -16.0% | |
| Debt / EBITDA | 1.42 | 7.53 | 5.45 | 5.72 | 6.39 | 6.48 | 6.43 | 5.85 | 6.06 | 6.13 | 6.76 | 4.86 | 7.40 | 7.52 | 8.26 | 6.64 | 7.36 | 9.68 | 8.87 | 6.58 | 6.55 |
| — | +16.2% | -15.2% | -2.1% | +5.4% | +5.8% | -4.8% | +20.3% | -18.1% | -18.6% | -18.2% | -26.8% | +0.5% | -22.2% | -6.9% | +0.9% | +12.4% | +56.1% | +33.2% | -7.0% | -6.6% | |
| Current Ratio | 1.29 | 1.29 | 1.26 | 1.29 | 1.34 | 1.33 | 1.30 | 1.26 | 1.25 | 1.24 | 1.28 | 1.29 | 1.30 | 1.30 | 1.29 | 1.28 | 1.27 | 1.23 | 1.19 | 1.22 | 1.30 |
| — | -3.1% | -3.1% | +1.9% | +7.4% | +7.0% | +1.7% | -2.2% | -4.4% | -4.2% | -0.8% | +1.2% | +2.3% | +5.8% | +8.1% | +4.4% | -1.8% | -5.0% | -7.8% | -7.9% | -6.0% | |
| Quick Ratio | 1.29 | 1.29 | 1.26 | 1.29 | 1.34 | 1.33 | 1.30 | 1.26 | 1.25 | 1.24 | 1.28 | 1.29 | 1.30 | 1.30 | 1.29 | 1.28 | 1.27 | 1.23 | 1.19 | 1.22 | 1.30 |
| — | -3.1% | -3.1% | +1.9% | +7.4% | +7.0% | +1.7% | -2.2% | -4.4% | -4.2% | -0.8% | +1.2% | +2.3% | +5.8% | +8.1% | +4.4% | -1.8% | -5.0% | -7.8% | -7.9% | -6.0% | |
| Interest Coverage | 15.27 | 14.99 | — | 15.66 | 14.57 | 14.41 | 16.56 | 15.54 | 13.37 | 16.04 | 15.06 | 21.61 | 15.43 | 15.98 | 13.34 | 13.47 | 19.14 | 1.71 | 11.66 | 12.97 | 21.09 |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
Live VCP patterns, Cup & Handle overlays, support/resistance, and AI trade plans.
High-probability breakout stocks crossing their pivot across 5 pattern engines.
DCF models, multiple analysis, and analyst estimates.
10-year return with dividends reinvested.
Compare growth, multiples, and margins vs sector.
Quick answers to the most common questions about buying PYPL stock.
PayPal Holdings, Inc.'s current P/E is 10.5x. The average P/E over the last 4 quarters is 10.1x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
PayPal Holdings, Inc.'s current operating margin is 18.3%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking PayPal Holdings, Inc.'s business trajectory between earnings reports.