PayPal Holdings, Inc.
PYPLFinancial ServicesNASDAQCredit Services
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Daily timeframePayPal Holdings, Inc. operates a technology platform that enables digital payments for merchants and consumers worldwide. Valued at $39.47B, PYPL is a large-cap name in its sector. The company operates a two-sided network at scale that connects merchants and consumers that enables its customers to connect, transact, and send and receive payments through online and in person, as well as transfer and withdraw funds using various funding sources, such as bank accounts, PayPal or Venmo account balance, consumer credit and debit products, credit and debit cards, and cryptocurrencies, as well as other stored value products, including gift cards and eligible rewards.
Market Cap
$39.47B
Beta
1.40
P/E (TTM)
8.40
P/E (Fwd)
7.75
EPS (TTM)
$5.33
EPS (Fwd)
$5.78
ROE
25.1%
ROA
4.7%
Cash
$9.34B
Total Debt
$11.67B
Free CF
$4.08B
52W Change
-36.9%
Annual Financials
Cash vs Debt
PayPal Holdings, Inc. carries $11.67B in total debt against $9.34B in cash reserves — debt is modestly above the cash position. Managing this leverage effectively will be important for long-term financial stability. The company generates $4.08B in free cash flow annually, which funds everything from R&D to shareholder returns without needing external financing. Return on equity stands at 25.1%, which is strong for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 4.7% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $27.52B (2022) to $33.17B (2025), reflecting a 21% increase over the period.
Investors considering PayPal Holdings, Inc. should weigh the typical risks associated with PYPL's sector, size, and financial profile against their own risk tolerance and investment objectives. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing PYPL.