Stock research

PayPal Holdings, Inc. (PYPL) Stock Research

PayPal operates digital-payment platforms including PayPal, Venmo, and Braintree for online and in-store commerce.

For the fiscal year ended December 31, 2025, PayPal Holdings, Inc. reported revenue of $33.2B and net income of $5.2B, with operating cash flow of $6.4B. Source: Form 10-K filed February 3, 2026

SEC data as of

Revenue
$33.2B
FY ending 2025-12-31
Net income
$5.2B
FY ending 2025-12-31
Diluted EPS
$5.41
Net margin
15.8%

Reported SEC XBRL figures. Each metric’s period and original filing are listed below.

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About PayPal

Exchange
NASDAQ: PYPL
Sector
Financials
SEC industry
Services-Business Services, NEC (SIC 7389)
Fiscal year end
December 31

PYPL key financials

Reported figures from PayPal Holdings, Inc.'s filings, pulled directly from SEC XBRL data rather than a third-party terminal. Each row links to the filing it came from.

MetricValuePeriodSource
Revenue$33.2B2025-01-01 – 2025-12-31SEC filing
Net income$5.2B2025-01-01 – 2025-12-31SEC filing
Operating cash flow$6.4B2025-01-01 – 2025-12-31SEC filing
Diluted EPS$5.412025-01-01 – 2025-12-31SEC filing
Net margin15.8%2025-01-01 – 2025-12-31SEC filing
Shares outstanding921MAs of 2026-01-28SEC filing

Values are as tagged by the issuer in XBRL. Revenue for banks and insurers is net of interest expense where that is the reported line. Fiscal years that do not follow the calendar are shown by their period-end date. No price, market cap, or valuation multiple is shown because Yield Theory does not republish unlicensed market data.

Diluted EPS is the earnings figure behind the price-to-earnings ratio; the P/E multiple compression calculator shows how a change in that multiple moves a share price. Shares outstanding multiplied by the share price gives market capitalization.

What investors should watch in PYPL

PayPal Holdings, Inc. sits in Financials. Banks, insurers, asset managers, and exchanges — the plumbing of capital markets, geared directly to interest rates and credit. We have not yet written company-specific drivers for PYPL; the forces that matter most for the sector are:

  • ◆The shape of the yield curve and net interest margins
  • ◆Credit quality and loan-loss provisions
  • ◆Regulation and capital requirements
  • ◆Deal activity and market volatility

Key questions for the PYPL thesis

Each question starts with what the filings show, then why it matters. None of these is a rating or a forecast.

Does PYPL's reported profit turn into cash?

Operating cash flow was $6.4B, 1.23 times net income of $5.2B, for the fiscal year ended December 31, 2025.

Cash from operations exceeded reported earnings. Non-cash charges such as depreciation, amortization and stock-based compensation usually explain the gap; the cash-flow statement shows which.

Form 10-K filed February 3, 2026

How much of PYPL's revenue is left as profit?

Net income was 15.8% of revenue for the fiscal year ended December 31, 2025, based on revenue and net income reported for the same period.

Net margin reflects the business model as much as execution, so compare it with companies in the same SEC industry and read the income statement for one-time items before treating it as a run rate.

Form 10-K filed February 3, 2026

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Congressional trading in PYPL

PoliticianTrade dateTypeOwnerAmountSource
John Boozman2026-07-30PurchaseJoint$1,001 - $15,000Filing #4184cc9a-78e0-45f3-84f7-642011e6ff98
John Boozman2026-07-30PurchaseJoint$1,001 - $15,000Filing #4a558db2-e492-4e8f-8a28-7b703a5c8e08
Gilbert Cisneros2026-05-15SaleSelf$1,001 - $15,000Filing #20034713
Alan Armstrong2026-03-27PurchaseSelf$1,001 - $15,000Filing #fda235b3-bad7-4637-8fa1-053f354d929c
Mark Alford2026-03-16SaleSelf$1,001 - $15,000Filing #20034201
Byron Donalds2026-03-13PurchaseSelf$1,001 - $15,000Filing #20034297
Byron Donalds2026-03-13PurchaseSpouse$1,001 - $15,000Filing #20034297
Gilbert Cisneros2026-03-13PurchaseSelf$1,001 - $15,000Filing #20034285
Angus King2026-02-13SaleSpouse$1,001 - $15,000Filing #09b9c1ed-1d73-4f17-b6f8-7b2d92021c5b
Byron Donalds2026-02-10SaleSpouse$1,001 - $15,000Filing #20034134

All verified PYPL congressional disclosures

Congressional disclosures are delayed, range-based records—not real-time signals or proof of motive. See the source-linked tracker for scope and limitations.

PYPL — frequently asked questions

What does PayPal Holdings, Inc. do?

PayPal operates digital-payment platforms including PayPal, Venmo, and Braintree for online and in-store commerce.

What were PYPL's latest reported annual revenue and net income?

For the fiscal year ended December 31, 2025, PayPal Holdings, Inc. reported revenue of $33.2B and net income of $5.2B, with operating cash flow of $6.4B. The figures come from PayPal Holdings, Inc.'s SEC XBRL filings.

When does PayPal Holdings, Inc.'s fiscal year end?

The SEC lists PayPal Holdings, Inc.'s fiscal year end as December 31.

Do members of Congress trade PYPL?

The current verified House and Senate snapshot contains 36 transaction rows for PYPL, each linked to the original filing.

Is PYPL a good investment?

This page does not rate PYPL as a buy or sell. It sets out what PayPal Holdings, Inc. reports, what investors should watch and the questions a thesis has to answer, with links to the SEC filings. It is research, not investment advice.

This page is independent research and educational information, not investment advice or a recommendation to buy or sell any security. Company facts are compiled from public sources. Do your own research.

What do the PYPL numbers leave unanswered?

Financials describe the business. The next question is which assumptions an investment thesis depends on. Explore the member reports below for analysis of catalysts, risks, and what would change the view. $39/month or $249/year.

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