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Buy Day today: Neutral (53) Mixed market breadth · no major macro event

PayPal Holdings Inc (PYPL)

Financial Services Credit Services
57.20 $
Closing price · As of: 31. Jul 2026
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Basics

Market Cap
51.2$B
Shares Outstanding
882Mio.
Float
99.8%
Beta
1.3

Performance

Perf. 1M
0.10%
Perf. 3M
2.10%
Perf. 6M
-25.60%
YTD Performance (%)
-28.10%
52-Week-High Distance
-46.7%

Valuation

P/E
10.7
Forward P/E
8.6
PEG
0.8
P/B
2.5
P/S
1.5
EV/EBITDA
5.4
Price/FCF
9.3

Profitability

Gross Margin
40.9%
EBIT Margin
18.0%
Net Margin
15.0%
Return on Equity
25.1%
Return on Assets
4.7%

Balance Sheet & Safety

Equity Ratio
24.9%
Debt/Equity
1.0
Altman Z″
6.50
Piotroski
6 out of 9

Growth

Sales Growth Last Quarter
7.20%
EPS Growth Last Quarter
-6.20%
Sales Growth (Year)
4.32%
Forward Sales Growth
4.25%
Forward EPS Growth
8.50%

Dividend

Dividend Yield
1.23%
Dividend Per Share (TTM)
0.42$
Payout Ratio
7.9%
Years Without a Cut
0Years
Increase Streak
0Years

Quality & Screener

Stage
4
RS Rating
12
EPS Rating
28
Piotroski
6 out of 9
Fundamental Rating
B (56 out of 100)
Altman Z″
6.50

AI Rating

Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built

Sales Per Quarter ($M)
2024: Q4 · 8,366.0 $M Q4 2025: Q1 · 7,791.0 $M Q1 2025: Q2 · 8,288.0 $M Q2 2025: Q3 · 8,417.0 $M Q3 2025: Q4 · 8,676.0 $M Q4 2026: Q1 · 8,353.0 $M Q1
Earnings Per Share Per Quarter ($)
2024: Q4 · 1.11 $ Q4 2025: Q1 · 1.29 $ Q1 2025: Q2 · 1.29 $ Q2 2025: Q3 · 1.28 $ Q3 2025: Q4 · 1.53 $ Q4 2026: Q1 · 1.21 $ Q1
Net Margin Per Quarter (%)
2024: Q4 · 13.4 % Q4 2025: Q1 · 16.5 % Q1 2025: Q2 · 15.2 % Q2 2025: Q3 · 14.8 % Q3 2025: Q4 · 16.6 % Q4 2026: Q1 · 13.3 % Q1
Operating Cash Flow Per Quarter ($M)
2024: Q4 · 2,394.0 $M Q4 2025: Q1 · 1,160.0 $M Q1 2025: Q2 · 898.0 $M Q2 2025: Q3 · 1,974.0 $M Q3 2025: Q4 · 2,384.0 $M Q4 2026: Q1 · 1,134.0 $M Q1
Free Cash Flow Per Quarter ($M)
2024: Q4 · 2,191.0 $M Q4 2025: Q1 · 964.0 $M Q1 2025: Q2 · 692.0 $M Q2 2025: Q3 · 1,718.0 $M Q3 2025: Q4 · 2,190.0 $M Q4 2026: Q1 · 911.0 $M Q1
Sales Growth vs. Year-Ago Quarter (%)
2024: Q4 · 4.2 % Q4 2025: Q1 · 1.2 % Q1 2025: Q2 · 5.1 % Q2 2025: Q3 · 7.3 % Q3 2025: Q4 · 3.7 % Q4 2026: Q1 · 7.2 % Q1
EPS Growth vs. Year-Ago Quarter (%)
2024: Q4 · -14.5 % Q4 2025: Q1 · 55.5 % Q1 2025: Q2 · 19.8 % Q2 2025: Q3 · 29.4 % Q3 2025: Q4 · 38.4 % Q4 2026: Q1 · -6.1 % Q1
Price Change in Quarter (%)
2024: Q4 · 9.4 % Q4 2025: Q1 · -23.5 % Q1 2025: Q2 · 13.9 % Q2 2025: Q3 · -9.8 % Q3 2025: Q4 · -12.7 % Q4 2026: Q1 · -22.3 % Q1

Quarterly Figures

Quarterly Figures
Quarter EPS (Earnings Per Share) EPS YoY (%) Sales ($M) Sales YoY (%) Net Margin (%) OCF ($M) FCF ($M)
2024: Q4 1.11 -14.50 8,366 4.20 13.40 2,394 2,191
2025: Q1 1.29 55.50 7,791 1.20 16.50 1,160 964
2025: Q2 1.29 19.80 8,288 5.10 15.20 898 692
2025: Q3 1.28 29.40 8,417 7.30 14.80 1,974 1,718
2025: Q4 1.53 38.40 8,676 3.70 16.60 2,384 2,190
2026: Q1 1.21 -6.10 8,353 7.20 13.30 1,134 911
What Do These Terms Mean?
EPS (Earnings Per Share):
Quarterly profit divided by the total share count — how much of the profit works out to a single share.
YoY (Year over Year):
Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
Sales:
All revenue for the quarter, before any costs are deducted — the top line of the income statement.
Net Margin:
What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
OCF (Operating Cash Flow):
The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
FCF (Free Cash Flow):
Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.

About the Company

PayPal Holdings, Inc. betreibt eine Technologieplattform, die weltweit digitale Zahlungen für Händler und Verbraucher ermöglicht.

Employees23,800
HeadquartersSan Jose, CA
Websitepaypal.com
IPO Date1. Feb 2002
Next Earnings4. Aug 2026

Management

Management
Name Title Birth Year
Enrique J. Lores President, CEO & Director 1966
Jamie S. Miller Chief Financial & Operating Officer and Executive VP 1969
Frank Keller President of Checkout Solutions & PayPal 1974
Suzan Bulyaba Kereere President of Global Markets 1966
Christopher Natali Senior VP & Chief Accounting Officer 1978
Srinivasan Venkatesan Chief Technology Officer 1971
Steven Eric Winoker Chief Investor Relations Officer
Bimal Patel Chief Legal Officer
Amy Bonitatibus Chief Corporate Affairs & Communications Officer
Antonio J. Lucio Chief Marketing & Corporate Affairs Officer 1959

Executives per the latest required filings; titles kept in their original language. Source: fundamental data.

Insider Transactions

Insider Transactions
Date Person Role Type Shares Price Value
29. Jul 2026 Keller Frank Pres., Checkout Sol. & PayPal Sell 732 58.10 42,529
29. Jul 2026 Natali Chris SVP, Chief Accounting Officer Sell 1,337 58.10 77,680
15. Jul 2026 Keller Frank Pres., Checkout Sol. & PayPal Other 907 47.37 42,965
15. Jul 2026 Keller Frank Pres., Checkout Sol. & PayPal Other 1,639 0.00
15. Jul 2026 Natali Chris SVP, Chief Accounting Officer Other 943 47.37 44,670
15. Jul 2026 Natali Chris SVP, Chief Accounting Officer Other 2,726 0.00
15. Jul 2026 Webster Aaron EVP, Global Chief Risk Officer Other 3,883 47.37 183,938
15. Jul 2026 Webster Aaron EVP, Global Chief Risk Officer Other 2,622 0.00
15. Jul 2026 Webster Aaron EVP, Global Chief Risk Officer Other 5,901 0.00

Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.

View all insider transactions →

Chart

Interactive price chart (TradingView).

Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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