PayPal Holdings, Inc. (PYPL) stock

PYPLNasdaqServices-Business Services, NECFiscal year ends December 31

Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Oct 27, 2026Score 18/3039% below fair value

$58.30−1.18 (-1.98%)

Close on Nov 12, 2026Market cap $48.43BP/E 11.1Yield 0.24%

PayPal statistics

107 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.

Important dates

Next earnings: Feb 2, 2027 (estimated, before the open)
Last ex-dividend date: Dec 4, 2026
Fundamentals through: Sep 30, 2026
Share price as of: Nov 12, 2026

Valuation ratiosIndustry

Market Cap: $48.43B; $806.73M
Enterprise Value: $51.62B; $766.63M
PE Ratio: 11.13; 26.25
PS Ratio: 1.41; 2.31
PB Ratio: 2.49; 2.76
P/TBV Ratio: 5.79; 4.89
P/FCF Ratio: 7.69; 15.38
P/OCF Ratio: 6.83; 13.25

Enterprise valuationIndustry

EV / Sales: 1.51; 2.08
EV / EBITDA: 7.59; 16.16
EV / EBIT: 8.86; 21.01
EV / FCF: 8.19; 15.23

Share statisticsIndustry

Shares Outstanding: 831M; 58M
Shares Change (YoY): -8.87%; 1.97%
Shares Change (QoQ): -2.90%; 0.07%
Float: 830M; 53M
Shares Held by Insiders: 0.12%; 13.2%
Shares Held by Institutions: 78.6%; 62.8%

Short sellingIndustry

Short Interest: 29M; –
Short Interest Change: 4.67%; -3.30%
Short % of Float: 3.44%; 5.81%
Short % of Shares Outstanding: 3.44%; 4.22%
Days to Cover: 2.25; 3.54

Stock price statisticsIndustry

52-Week High: $67.99; –
52-Week Low: $38.46; –
20-Day Moving Average: $57.78; –
50-Day Moving Average: $55.56; –
200-Day Moving Average: $50.11; –
Average True Range (14): $1.57; –
Price Change (1 Week): -1.12%; -0.50%
Price Change (1 Month): 3.92%; -0.55%
Price Change (3 Months): -5.45%; -7.36%
Price Change (6 Months): 29.4%; 0.87%
Price Change (YTD): -0.14%; -13.3%
Price Change (1 Year): -13.5%; -13.7%
Price Change (3 Years): 7.19%; -12.3%
Price Change (5 Years): -72.0%; -56.7%
Price Change (10 Years): 45.5%; 43.7%
Average Volume (10 Days): 10M; –
Average Volume (20 Days): 11M; –
Average Volume (90 Days): 13M; –
Relative Volume: 0.46; 0.70
Relative Strength Index (14): 53.9; 48.0
Volatility (1 Year): 42.3%; 65.3%
Beta (5 Years): 1.37; 1.20

MarginsIndustry

Operating Margin: 17.0%; -1.96%
Profit Margin: 13.8%; -2.35%
EBITDA Margin: 19.8%; 0.85%
FCF Margin: 18.4%; 9.88%

Returns on capitalIndustry

Return on Equity (ROE): 23.8%; 1.34%
Return on Assets (ROA): 5.86%; -3.12%
Return on Invested Capital (ROIC): 21.2%; -0.29%
Return on Capital Employed (ROCE): 17.3%; -0.55%

Financial positionIndustry

Current Ratio: 1.26; 1.37
Quick Ratio: 0.23; 0.93
Debt / Equity: 0.69; 0.52
Debt / EBITDA: 1.98; 2.60
Debt / FCF: 2.14; 2.79
Net Debt / EBITDA: 0.47; 1.41
Interest Coverage: 11.99; -0.55

GrowthIndustry

Revenue Growth (YoY): 4.36%; 9.45%
Net Income Growth (YoY): -3.86%; 9.41%
EPS Growth (YoY): 5.01%; 12.4%
FCF Growth (YoY): 13.2%; 14.5%
Revenue Growth (3Y CAGR): 6.43%; 7.44%
Revenue Growth (5Y CAGR): 9.11%; 12.3%
EPS Growth (3Y CAGR): 37.3%; 13.7%
EPS Growth (5Y CAGR): 8.85%; 12.4%

EfficiencyIndustry

Asset Turnover: 0.42; 0.64
Revenue Per Employee: $1.44M; $396.32K
Profits Per Employee: $198.61K; -$6.68K
Employee Count: 23,800; 525
WACC: 10.0%; 10.1%

Income statement (TTM)Industry

Revenue: $34.30B; $257.79M
Operating Income: $5.83B; -$578.69K
Net Income: $4.73B; -$298.85K
EBITDA: $6.80B; -$75.39K
EPS (Diluted): $5.24; $0.00

Balance sheetIndustry

Cash & Short-Term Investments: $10.28B; $41.64M
Total Debt: $13.47B; $174.92M
Net Cash (Debt): -$3.19B; $1.79M
Net Cash Per Share: -$3.84; $0.13
Equity (Book Value): $19.48B; $51.00M
Book Value Per Share: $23.45; $1.99
Tangible Book Value: $8.36B; $2.78M
Working Capital: $12.66B; $14.99M

Cash flow (TTM)Industry

Operating Cash Flow: $7.09B; $5.65M
Capital Expenditures: -$794.00M; -$5.59M
Free Cash Flow: $6.30B; $35.58M
FCF Per Share: $7.58; $0.53

Dividends and yieldsIndustry

Earnings Yield: 9.76%; 0.38%
FCF Yield: 13.0%; 4.29%
Dividend Yield: 0.24%; 1.31%
Buyback Yield: 12.5%; 3.37%
Shareholder Yield: 12.7%; 3.78%
Dividend Per Share: $0.14; $1.04
Years of Dividend Growth: 0; 1
Payout Ratio: 10.6%; 30.7%
FCF Payout Ratio: 7.94%; 23.2%

Taxes and interestIndustry

Interest Expense: $486.00M; $3.48M
Income Tax: $977.00M; $1.62M

Scores and fair valueIndustry

Graham Number: $52.59; $16.66
Graham Upside: -9.80%; -55.6%
Altman Z-Score: 1.92; 2.01
Piotroski F-Score: 8; 5
Lynch Fair Value: $46.39; –
Lynch Upside: -20.4%; -35.4%

Total return vs. the S&P 500

Price change plus reinvested dividends, to the close on Nov 12, 2026. The S&P 500 is measured by the SPY fund.

Period	PYPL	S&P 500	Difference	PYPL per year	S&P 500 per year
1 month	+4.0%	-2.7%	+6.7 pts
3 months	-1.3%	-1.7%	+0.5 pts
Year to date	+0.7%	+11.9%	−11.2 pts
1 year	-12.3%	+12.0%	−24.3 pts
3 years	+7.6%	+78.2%	−70.5 pts	+2.5%	+21.2%
5 years	-71.7%	+73.2%	−144.9 pts	-22.3%	+11.6%
10 years	+47.1%	+309.6%	−262.6 pts	+3.9%	+15.1%

Short interest

Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.

29M PYPL shares were sold short on Oct 30, 2026, up 4.7% from the previous report, or 3.44% of the shares available to trade. At recent volumes it would take 2.3 days to buy them back. Over the last 20 sessions, 36.7% of the volume reported to FINRA was short selling.

Settlement date	Shares short	Change	Avg. daily volume	Days to cover
Oct 30, 2026	28,540,225	+4.7%	12,659,733	2.3
Oct 15, 2026	27,266,432	-8.9%	9,775,551	2.8
Sep 30, 2026	29,919,083	+2.0%	13,267,457	2.3
Sep 15, 2026	29,335,284	-12.1%	10,867,911	2.7
Aug 31, 2026	33,367,767	-1.1%	13,107,299	2.5
Aug 14, 2026	33,728,439	-15.6%	9,285,186	3.6
Jul 31, 2026	39,947,641	-27.1%	17,045,131	2.3
Jul 15, 2026	54,774,095	-0.3%	20,040,910	2.7
Jun 30, 2026	54,915,943	+1.0%	18,019,548	3.0
Jun 15, 2026	54,349,092	+9.7%	16,098,951	3.4
May 29, 2026	49,538,499	+14.8%	12,942,866	3.8
May 15, 2026	43,143,105	+0.8%	17,363,587	2.5