What is Paypal Holdings's earnings per share (EPS)?

Paypal Holdings (PYPL) reported diluted earnings per share of $5.41 for fiscal year 2025. This represents a 35.6% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Paypal Holdings Financials

PYPL

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Paypal Holdings (PYPL) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 13 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 59/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Profitability

Paypal Holdings has an operating margin of 18.3%, meaning the company retains $18 of operating profit per $100 of revenue. This results in a moderate score of 63/100, indicating healthy but not exceptional operating efficiency. This is up from 16.8% the prior year.

Growth

Paypal Holdings's revenue grew a modest 4.3% year-over-year to $33.2B. This slow but positive growth earns a score of 41/100.

Leverage

Paypal Holdings carries a low D/E ratio of 0.49, meaning only $0.49 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 92/100, indicating a strong balance sheet with room for future borrowing.

Liquidity

Paypal Holdings's current ratio of 1.29 means current assets barely cover short-term liabilities. This tight liquidity results in a low score of 21/100, which could limit financial flexibility.

Cash Flow

Paypal Holdings converts 16.8% of revenue into free cash flow ($5.6B). This strong cash generation earns a score of 67/100.

Returns

Paypal Holdings earns a strong 25.8% return on equity (ROE), meaning it generates $26 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 69/100. This is up from 20.3% the prior year.

Altman Z-Score Grey Zone

1.85

Paypal Holdings scores 1.85, placing it in the grey zone between 1.81 and 2.99. This signals moderate financial risk that warrants monitoring.

Piotroski F-Score Strong

8/9

Paypal Holdings passes 8 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 3 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.23x

For every $1 of reported earnings, Paypal Holdings generates $1.23 in operating cash flow ($6.4B OCF vs $5.2B net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Interest Coverage Safe

13.8x

Paypal Holdings earns $13.8 in operating income for every $1 of interest expense ($6.1B vs $441.0M). This wide margin provides strong safety for debt servicing, even if earnings decline temporarily.

Key Financial Metrics

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Earnings & Revenue

Revenue

$33.2B

YoY+4.3%

5Y CAGR+9.1%

10Y CAGR+13.6%

Paypal Holdings generated $33.2B in revenue in fiscal year 2025. This represents an increase of 4.3% from the prior year.

EBITDA

$7.0B

YoY+10.6%

5Y CAGR+9.4%

10Y CAGR+13.0%

Paypal Holdings's EBITDA was $7.0B in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 10.6% from the prior year.

Net Income

$5.2B

YoY+26.2%

5Y CAGR+4.5%

10Y CAGR+15.6%

Paypal Holdings reported $5.2B in net income in fiscal year 2025. This represents an increase of 26.2% from the prior year.

EPS (Diluted)

$5.41

YoY+35.6%

5Y CAGR+8.9%

10Y CAGR+18.4%

Paypal Holdings earned $5.41 per diluted share (EPS) in fiscal year 2025. This represents an increase of 35.6% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$5.6B

YoY-17.8%

5Y CAGR+0.8%

10Y CAGR+11.8%

Paypal Holdings generated $5.6B in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 17.8% from the prior year.

Cash & Debt

$8.0B

YoY+20.8%

5Y CAGR+10.9%

10Y CAGR+19.2%

Paypal Holdings held $8.0B in cash against $10.0B in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.14

Paypal Holdings paid $0.14 per share in dividends in fiscal year 2025.

Shares Outstanding

921M

YoY-6.9%

5Y CAGR-4.7%

10Y CAGR-2.8%

Paypal Holdings had 921M shares outstanding in fiscal year 2025. This represents a decrease of 6.9% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

18.3%

YoY+1.5pp

5Y CAGR+2.9pp

10Y CAGR+2.5pp

Paypal Holdings's operating margin was 18.3% in fiscal year 2025, reflecting core business profitability. This is up 1.5 percentage points from the prior year.

Net Margin

15.8%

YoY+2.7pp

5Y CAGR-3.8pp

10Y CAGR+2.5pp

Paypal Holdings's net profit margin was 15.8% in fiscal year 2025, showing the share of revenue converted to profit. This is up 2.7 percentage points from the prior year.

Return on Equity

25.8%

YoY+5.5pp

5Y CAGR+4.8pp

10Y CAGR+16.9pp

Paypal Holdings's ROE was 25.8% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 5.5 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$6.1B

YoY+0.1%

5Y CAGR+29.9%

Paypal Holdings spent $6.1B on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 0.1% from the prior year.

Capital Expenditures

$852.0M

YoY+24.7%

5Y CAGR-0.3%

10Y CAGR+1.7%

Paypal Holdings invested $852.0M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 24.7% from the prior year.

PYPL Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$33.2B+4.3%	$31.8B+6.8%	$29.8B+8.2%	$27.5B+8.5%	$25.4B+18.3%	$21.5B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$2.0B-7.8%	$2.1B+4.3%	$2.1B-1.9%	$2.1B-0.7%	$2.1B+2.1%	$2.1B
Operating Income	$6.1B+13.9%	$5.3B+5.9%	$5.0B+31.0%	$3.8B-10.0%	$4.3B+29.6%	$3.3B
Interest Expense	$441.0M+15.4%	$382.0M+10.1%	$347.0M+14.1%	$304.0M+31.0%	$232.0M+11.0%	$209.0M
Income Tax	$1.1B-10.4%	$1.2B+1.5%	$1.2B+23.0%	$947.0M+1452.9%	-$70.0M-108.1%	$863.0M
Net Income	$5.2B+26.2%	$4.1B-2.3%	$4.2B+75.5%	$2.4B-42.0%	$4.2B-0.8%	$4.2B
EPS (Diluted)	$5.41+35.6%	$3.99+3.9%	$3.84+83.7%	$2.09-40.6%	$3.52-0.6%	$3.54

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$8.7B+3.1%	$8.4B+1.6%	$8.3B+6.4%	$7.8B-6.9%	$8.4B+6.6%	$7.8B-0.5%	$7.9B+2.4%	$7.7B
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$502.0M-2.1%	$513.0M+11.3%	$461.0M-8.3%	$503.0M-15.3%	$594.0M+14.5%	$519.0M-8.9%	$570.0M+22.8%	$464.0M
Operating Income	$1.5B-0.6%	$1.5B+1.1%	$1.5B-1.7%	$1.5B+6.2%	$1.4B+3.6%	$1.4B+5.0%	$1.3B+13.4%	$1.2B
Interest Expense	$111.0M-1.8%	$113.0M-0.9%	$114.0M+10.7%	$103.0M+6.2%	$97.0M-8.5%	$106.0M+14.0%	$93.0M+8.1%	$86.0M
Income Tax	$190.0M-33.3%	$285.0M+6.3%	$268.0M-15.2%	$316.0M+9.3%	$289.0M-4.0%	$301.0M+11.1%	$271.0M-15.6%	$321.0M
Net Income	$1.4B+15.1%	$1.2B-1.0%	$1.3B-2.0%	$1.3B+14.8%	$1.1B+11.0%	$1.0B-10.5%	$1.1B+27.0%	$888.0M
EPS (Diluted)	N/A	$1.30+0.8%	$1.290.0%	$1.29	N/A	$0.99-8.3%	$1.08+30.1%	$0.83

PYPL Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$80.2B+1.8%	$78.7B-4.2%	$82.2B+4.5%	$78.6B+3.7%	$75.8B+7.7%	$70.4B
Current Assets	$59.8B+2.7%	$58.2B-7.0%	$62.6B+9.0%	$57.4B+9.2%	$52.6B+3.1%	$51.0B
Cash & Equivalents	$8.0B+20.8%	$6.7B-26.6%	$9.1B+16.8%	$7.8B+49.6%	$5.2B+8.4%	$4.8B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$840.0M-14.6%	$984.0M-8.0%	$1.1B+11.0%	$963.0M+20.4%	$800.0M+38.6%	$577.0M
Goodwill	$10.9B+0.2%	$10.8B-1.7%	$11.0B-1.6%	$11.2B-2.1%	$11.5B+25.4%	$9.1B
Total Liabilities	$59.9B+2.8%	$58.3B-4.6%	$61.1B+4.7%	$58.4B+7.9%	$54.1B+7.5%	$50.3B
Current Liabilities	$46.4B+2.1%	$45.5B-6.1%	$48.5B+7.7%	$45.0B+4.6%	$43.0B+11.9%	$38.4B
Long-Term Debt	$10.0B+1.1%	$9.9B+2.1%	$9.7B-7.1%	$10.4B+29.4%	$8.0B-10.0%	$8.9B
Total Equity	$20.3B-0.8%	$20.4B-3.0%	$21.1B+3.8%	$20.3B-6.7%	$21.7B+8.5%	$20.0B
Retained Earnings	$32.5B+18.7%	$27.3B+17.9%	$23.2B+22.4%	$19.0B+14.6%	$16.5B+33.7%	$12.4B

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$80.2B+0.5%	$79.8B0.0%	$79.8B-1.8%	$81.3B+3.2%	$78.7B-5.7%	$83.5B-0.6%	$84.0B+0.8%	$83.3B
Current Assets	$59.8B-0.7%	$60.2B+0.5%	$59.9B-1.2%	$60.6B+4.1%	$58.2B-7.1%	$62.7B-0.5%	$63.0B-1.2%	$63.7B
Cash & Equivalents	$8.0B-10.5%	$9.0B+34.5%	$6.7B-10.2%	$7.4B+11.8%	$6.7B-9.6%	$7.4B-5.5%	$7.8B-19.5%	$9.7B
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$840.0M-13.7%	$973.0M-11.5%	$1.1B+1.6%	$1.1B+10.0%	$984.0M-5.2%	$1.0B+5.2%	$987.0M-10.9%	$1.1B
Goodwill	$10.9B-0.7%	$10.9B-0.3%	$11.0B+0.6%	$10.9B+0.7%	$10.8B-1.4%	$11.0B+1.7%	$10.8B-0.9%	$10.9B
Total Liabilities	$59.9B+0.5%	$59.6B0.0%	$59.6B-2.4%	$61.0B+4.7%	$58.3B-7.9%	$63.3B-0.1%	$63.4B+1.2%	$62.6B
Current Liabilities	$46.4B+3.4%	$44.9B-0.3%	$45.0B-3.4%	$46.6B+2.5%	$45.5B-9.5%	$50.3B-0.9%	$50.7B+1.7%	$49.8B
Long-Term Debt	$10.0B-11.4%	$11.3B-0.2%	$11.3B-1.1%	$11.4B+15.6%	$9.9B-1.0%	$10.0B+2.6%	$9.7B+0.5%	$9.7B
Total Equity	$20.3B+0.3%	$20.2B0.0%	$20.2B-0.3%	$20.3B-0.8%	$20.4B+1.2%	$20.2B-2.2%	$20.6B-0.4%	$20.7B
Retained Earnings	$32.5B+4.2%	$31.2B+4.2%	$29.9B+4.4%	$28.7B+4.8%	$27.3B+4.3%	$26.2B+4.0%	$25.2B+4.7%	$24.1B

PYPL Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$6.4B-13.9%	$7.5B+53.8%	$4.8B-16.7%	$5.8B+0.3%	$5.8B-6.8%	$6.2B
Capital Expenditures	$852.0M+24.7%	$683.0M+9.6%	$623.0M-11.8%	$706.0M-22.2%	$908.0M+4.8%	$866.0M
Free Cash Flow	$5.6B-17.8%	$6.8B+60.4%	$4.2B-17.4%	$5.1B+4.5%	$4.9B-8.7%	$5.4B
Investing Cash Flow	$797.0M-52.8%	$1.7B+124.6%	$752.0M+122.6%	-$3.3B+35.4%	-$5.1B+68.9%	-$16.5B
Financing Cash Flow	-$6.0B+28.0%	-$8.3B-176.5%	-$3.0B-148.8%	-$1.2B-116.0%	-$557.0M-104.5%	$12.5B
Dividends Paid	$130.0M	$0	$0	N/A	N/A	N/A
Share Buybacks	$6.1B+0.1%	$6.0B+20.9%	$5.0B+19.1%	$4.2B+24.5%	$3.4B+106.3%	$1.6B

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$2.4B+20.8%	$2.0B+119.8%	$898.0M-22.6%	$1.2B-51.5%	$2.4B+48.3%	$1.6B+5.8%	$1.5B-20.4%	$1.9B
Capital Expenditures	$194.0M-24.2%	$256.0M+24.3%	$206.0M+5.1%	$196.0M-3.4%	$203.0M+20.1%	$169.0M+7.6%	$157.0M+1.9%	$154.0M
Free Cash Flow	$2.2B+27.5%	$1.7B+148.3%	$692.0M-28.2%	$964.0M-56.0%	$2.2B+51.6%	$1.4B+5.6%	$1.4B-22.4%	$1.8B
Investing Cash Flow	-$298.0M-106.2%	$4.8B+23960.0%	-$20.0M+99.5%	-$3.7B-248.8%	$2.5B-12.2%	$2.8B+161.6%	-$4.5B-564.0%	$980.0M
Financing Cash Flow	-$1.9B-6.6%	-$1.8B+42.4%	-$3.2B-419.3%	$994.0M+127.7%	-$3.6B-41.8%	-$2.5B-1364.5%	$200.0M+108.5%	-$2.4B
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$1.5B+0.1%	$1.5B-3.3%	$1.6B+3.4%	$1.5B+18.2%	$1.3B-28.5%	$1.8B+18.3%	$1.5B0.0%	$1.5B

PYPL Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	18.3%+1.5pp	16.8%-0.1pp	16.9%+2.9pp	13.9%-2.9pp	16.8%+1.5pp	15.3%
Net Margin	15.8%+2.7pp	13.0%-1.2pp	14.3%+5.5pp	8.8%-7.6pp	16.4%-3.2pp	19.6%
Return on Equity	25.8%+5.5pp	20.3%+0.1pp	20.2%+8.2pp	11.9%-7.3pp	19.2%-1.8pp	21.0%
Return on Assets	6.5%+1.3pp	5.3%+0.1pp	5.2%+2.1pp	3.1%-2.4pp	5.5%-0.5pp	6.0%
Current Ratio	1.290.0	1.28-0.0	1.29+0.0	1.28+0.1	1.22-0.1	1.33
Debt-to-Equity	0.490.0	0.48+0.0	0.46-0.1	0.51+0.1	0.37-0.1	0.45
FCF Margin	16.8%-4.5pp	21.3%+7.1pp	14.2%-4.4pp	18.6%-0.7pp	19.3%-5.7pp	24.9%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	17.4%-0.6pp	18.1%-0.1pp	18.1%-1.5pp	19.6%+2.4pp	17.2%-0.5pp	17.7%+0.9pp	16.8%+1.6pp	15.2%
Net Margin	16.6%+1.7pp	14.8%-0.4pp	15.2%-1.3pp	16.5%+3.1pp	13.4%+0.5pp	12.9%-1.4pp	14.3%+2.8pp	11.5%
Return on Equity	7.1%+0.9pp	6.2%-0.1pp	6.2%-0.1pp	6.3%+0.9pp	5.5%+0.5pp	5.0%-0.5pp	5.5%+1.2pp	4.3%
Return on Assets	1.8%+0.2pp	1.6%-0.0pp	1.6%0.0pp	1.6%+0.2pp	1.4%+0.2pp	1.2%-0.1pp	1.3%+0.3pp	1.1%
Current Ratio	1.29-0.1	1.34+0.0	1.33+0.0	1.30+0.0	1.28+0.0	1.250.0	1.24-0.0	1.28
Debt-to-Equity	0.49-0.1	0.560.0	0.560.0	0.56+0.1	0.48-0.0	0.49+0.0	0.470.0	0.47
FCF Margin	25.2%+4.8pp	20.4%+12.1pp	8.3%-4.0pp	12.4%-13.8pp	26.2%+7.8pp	18.4%+1.1pp	17.3%-5.6pp	22.9%

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Frequently Asked Questions

What is Paypal Holdings's annual revenue?

Paypal Holdings (PYPL) reported $33.2B in total revenue for fiscal year 2025. This represents a 4.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Paypal Holdings's revenue growing?

Paypal Holdings (PYPL) revenue grew by 4.3% year-over-year, from $31.8B to $33.2B in fiscal year 2025.

Is Paypal Holdings profitable?

Yes, Paypal Holdings (PYPL) reported a net income of $5.2B in fiscal year 2025, with a net profit margin of 15.8%.

What is Paypal Holdings's EBITDA?

Paypal Holdings (PYPL) had EBITDA of $7.0B in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

How much debt does Paypal Holdings have?

As of fiscal year 2025, Paypal Holdings (PYPL) had $8.0B in cash and equivalents against $10.0B in long-term debt.

What is Paypal Holdings's operating margin?

Paypal Holdings (PYPL) had an operating margin of 18.3% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is Paypal Holdings's net profit margin?

Paypal Holdings (PYPL) had a net profit margin of 15.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Paypal Holdings pay dividends?

Yes, Paypal Holdings (PYPL) paid $0.14 per share in dividends during fiscal year 2025.

What is Paypal Holdings's return on equity (ROE)?

Paypal Holdings (PYPL) has a return on equity of 25.8% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Paypal Holdings's free cash flow?

Paypal Holdings (PYPL) generated $5.6B in free cash flow during fiscal year 2025. This represents a -17.8% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Paypal Holdings's operating cash flow?

Paypal Holdings (PYPL) generated $6.4B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Paypal Holdings's total assets?

Paypal Holdings (PYPL) had $80.2B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Paypal Holdings's capital expenditures?

Paypal Holdings (PYPL) invested $852.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Paypal Holdings buy back shares?

Yes, Paypal Holdings (PYPL) spent $6.1B on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Paypal Holdings have outstanding?

Paypal Holdings (PYPL) had 921M shares outstanding as of fiscal year 2025.

What is Paypal Holdings's current ratio?

Paypal Holdings (PYPL) had a current ratio of 1.29 as of fiscal year 2025, which is considered adequate.

What is Paypal Holdings's debt-to-equity ratio?

Paypal Holdings (PYPL) had a debt-to-equity ratio of 0.49 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Paypal Holdings's return on assets (ROA)?

Paypal Holdings (PYPL) had a return on assets of 6.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Paypal Holdings's Altman Z-Score?

Paypal Holdings (PYPL) has an Altman Z-Score of 1.85, placing it in the Grey Zone (moderate risk). The Z-Score combines five financial ratios—working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets—to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.

What is Paypal Holdings's Piotroski F-Score?

Paypal Holdings (PYPL) has a Piotroski F-Score of 8 out of 9, indicating strong financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Paypal Holdings's earnings high quality?

Paypal Holdings (PYPL) has an earnings quality ratio of 1.23x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

Can Paypal Holdings cover its interest payments?

Paypal Holdings (PYPL) has an interest coverage ratio of 13.8x, meaning it can comfortably cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.

How financially healthy is Paypal Holdings?

Paypal Holdings (PYPL) scores 59 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.