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PYPL PayPal Holdings, Inc.

Nasdaq, CIK 0001633917, fiscal year ends 12/31. Last price 57.02 on 2026-10-23, market value 48.8 billion dollars.

Machine-readable: PYPL.json, PYPL.md. Sections: Graham Defensive, Magic Formula, Momentum, Insider, Buffett Quality, Lynch GARP, Graham Enterprising, Piotroski F-Score, earnings record, insiders, filings and links.

Philosophy	Score	Status	Current inputs as of	History used	Price	Verification	Rules
Graham Defensive	70	ok	2025-12-31 stale: Revenue	2014–2025	2026-10-23	2 verified, 21 unverified	method
Magic Formula	83	ok	2025-12-31 stale: operating_income_q, ppe_net	—	2026-10-23	—	method
Momentum	36	ok	2026-10-23	—	2026-10-23	—	method
Insider	0	no open-market transactions in window	2026-10-23	—	—	—	method
Buffett Quality	97	ok	2026-06-30	2016–2025	2026-10-23	0 verified, 47 unverified	method
Lynch GARP	76	ok	2026-06-30	2020–2025	2026-10-23	0 verified, 5 unverified	method
Graham Enterprising	59	ok	2026-06-30	2020–2025	2026-10-23	0 verified, 11 unverified	method
Piotroski F-Score	100	ok, passes all tests	—	2024–2026	—	0 verified, 27 unverified	method

Market value, source trail

market_value = traded_price (price date) / depositary_ratio x latest point-in-time SEC shares outstanding (share-count date shown; from the filing cover page, summed across share classes only where the issuer filing verifies the classes are economically equivalent (rule + evidence URL in the source text), else withheld; priced at the primary listed class, so where other classes trade at a different price the value is an approximation; restated only for issuer-verified splits after the count date); weighted-average share counts are never used

Input	Value	Unit	Period / date	Source
Traded price	57.02	USD per traded unit (share or ADS)	2026-10-23	Yahoo Finance
SEC shares outstanding	855,460,874	underlying shares	2026-07-22	SEC cover page 10-Q 0001633917-26-000082 (855,460,874 shares (single class on cover)); filing document https://www.sec.gov/Archives/edgar/data/1633917/000163391726000082/pypl-20260630.htm 0001633917-26-000082
Depositary ratio	1.0	underlying shares per traded unit		domestic 10-K filer; SEC shares are the traded units
Market value price date × latest reported shares	48,778,379,035	USD	2026-10-23 shares at 2026-07-22	57.02 (price 2026-10-23) / 1 x 855,460,874 (shares at 2026-07-22) = 48,778,379,035

Graham Defensive

70 of 100. ok. How this is scored.

Test or factor	Value	Threshold	Points
1 Adequate size	33.17 revenue $B	>= 1	5.0 / 5
2a Current ratio	1.29	>= 2.0	4.3 / 15
2b Long-term debt vs working capital	0.78 LTD / WC	<= 1.0	15.0 / 15
3 Positive earnings each of 10 years	10 of 10	10 of 10	15.0 / 15
4 Dividends every year for 20 years	1 of 20 missing 2006, 2007, 2008, 2009, 2010, 2011, 2012, 2013, 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024 XBRL check: 1 years agree, 19 unverified	20 of 20	0.75 / 15
5 EPS growth, 3-yr avg now vs 10 yrs ago	0.83 -> 4.41 (+432%)	>= +33%	10.0 / 10
6 P/E on 3-year average EPS	12.9	<= 15	15.0 / 15
7 P/B <= 1.5, or P/E x P/B <= 22.5	P/B 2.46, product 31.8	<= 1.5 or <= 22.5	4.7 / 10

Inputs, 25 numbers with their sources

Input	Value	Period	Source	Check
Price (close, per traded unit)	57.02	2026-10-23	Alpaca Market Data (consolidated SIP daily bar)	not cross-checked
Revenue	33172000000.0	2025-12-31 stale	SEC XBRL Revenues 0001633917-26-000024	unverified
current_assets	62346000000.0	2026-06-30	SEC XBRL AssetsCurrent 0001633917-26-000082	unverified
current_liabilities	48406000000.0	2026-06-30	SEC XBRL LiabilitiesCurrent 0001633917-26-000082	unverified
lt_debt	10895000000.0	2026-06-30	SEC XBRL LongTermDebtNoncurrent 0001633917-26-000082	unverified
equity	19820000000.0	2026-06-30	SEC XBRL StockholdersEquity 0001633917-26-000082	unverified
Net income FY2016	1401000000.0	2016-12-31 history	SEC XBRL NetIncomeLoss 0001633917-19-000200	unverified
Net income FY2017	1795000000.0	2017-12-31 history	SEC XBRL NetIncomeLoss 0001633917-20-000028	unverified
Net income FY2018	2057000000.0	2018-12-31 history	SEC XBRL NetIncomeLoss 0001633917-21-000018	unverified
Net income FY2019	2459000000.0	2019-12-31 history	SEC XBRL NetIncomeLoss 0001633917-22-000027	unverified
Net income FY2020	4202000000.0	2020-12-31 history	SEC XBRL NetIncomeLoss 0001633917-23-000033	unverified
Net income FY2021	4169000000.0	2021-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) 0001633917-24-000024	unverified
Net income FY2022	2419000000.0	2022-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) 0001633917-25-000019	unverified
Net income FY2023	4246000000.0	2023-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) 0001633917-26-000024	unverified
Net income FY2024	4147000000.0	2024-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) 0001633917-26-000024	unverified
Net income FY2025	5233000000.0	2025-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) 0001633917-26-000024	unverified
Dividend years (Yahoo)	[2025, 2026]	history	Yahoo Finance dividend history	verified (partly: XBRL covers 1 of 20 years)
Dividends per share FY2025 (XBRL)	0.14	2025-12-31 history	SEC XBRL CommonStockDividendsPerShareDeclared 0001633917-26-000024	verified
EPS diluted FY2014	0.34	2014-12-31 history	SEC XBRL EarningsPerShareDiluted 0001633917-17-000027	unverified
EPS diluted FY2015	1.0	2015-12-31 history	SEC XBRL EarningsPerShareDiluted 0001633917-18-000029	unverified
EPS diluted FY2016	1.15	2016-12-31 history	SEC XBRL EarningsPerShareDiluted 0001633917-19-000200	unverified
EPS diluted FY2023	3.84	2023-12-31 history	SEC XBRL EarningsPerShareDiluted 0001633917-26-000024	unverified
EPS diluted FY2024	3.99	2024-12-31 history	SEC XBRL EarningsPerShareDiluted 0001633917-26-000024	unverified
EPS diluted FY2025	5.41	2025-12-31 history	SEC XBRL EarningsPerShareDiluted 0001633917-26-000024	unverified
Shares outstanding	855460874.0	2026-07-22	SEC cover page 10-Q 0001633917-26-000082 (855,460,874 shares (single class on cover)); filing document https://www.sec.gov/Archives/edgar/data/1633917/000163391726000082/pypl-20260630.htm 0001633917-26-000082	not cross-checked

Magic Formula

83 of 100. ok. How this is scored.

Test or factor	Value	Threshold	Points
Earnings yield (EBIT/EV) EBIT trailing twelve months; EV = market cap + debt (12,728,000,000) - cash	11.18 % (rank 6)
Return on capital (EBIT/(NWC+PPE)) net working capital 13,940,000,000 used as reported	38.02 % (rank 111)
Combined rank	117

Inputs, 13 numbers with their sources

Input	Value	Period	Source	Check
operating_income	6065000000.0	2025-12-31 history	SEC XBRL OperatingIncomeLoss 0001633917-26-000024	not cross-checked
operating_income_q	1488000000.0	2026-03-31 stale	SEC XBRL OperatingIncomeLoss (quarter CY2026Q1) 0001633917-26-000067	not cross-checked
operating_income_q	1530000000.0	2025-03-31 history	SEC XBRL OperatingIncomeLoss (quarter CY2025Q1) 0001633917-26-000067	not cross-checked
operating_income_q	1427000000.0	2026-06-30	SEC XBRL OperatingIncomeLoss (quarter CY2026Q2) 0001633917-26-000082	not cross-checked
operating_income_q	1504000000.0	2025-06-30 history	SEC XBRL OperatingIncomeLoss (quarter CY2025Q2) 0001633917-26-000082	not cross-checked
current_assets	62346000000.0	2026-06-30	SEC XBRL AssetsCurrent 0001633917-26-000082	not cross-checked
current_liabilities	48406000000.0	2026-06-30	SEC XBRL LiabilitiesCurrent 0001633917-26-000082	not cross-checked
cash	8306000000.0	2026-06-30	SEC XBRL CashAndCashEquivalentsAtCarryingValue 0001633917-26-000082	not cross-checked
ppe_net	1700000000.0	2025-12-31 stale	SEC XBRL PropertyPlantAndEquipmentNet 0001633917-26-000024	not cross-checked
debt_incl_current	12728000000.0	2026-06-30	SEC XBRL LongTermDebt 0001633917-26-000082	not cross-checked
shares_out	855460874.0	2026-07-22	SEC cover page 10-Q 0001633917-26-000082 (855,460,874 shares (single class on cover)); filing document https://www.sec.gov/Archives/edgar/data/1633917/000163391726000082/pypl-20260630.htm 0001633917-26-000082	not cross-checked
Price (close)	57.02	2026-10-23	Yahoo Finance / Alpaca Market Data	not cross-checked
note	debt = LongTermDebt (incl. current maturities)			not cross-checked

Momentum

36 of 100. ok. How this is scored.

Test or factor	Value	Points
12-1 month return	-23.8 % (percentile 12.7)	6.4 / 50
6 month return	15.3 % (percentile 73.0)	14.6 / 20
Price / 52-week high	0.79	11.8 / 15
Volatility penalty (60d annualised)	38.2 %	3.7 / 15

Inputs, 1 numbers with their sources

Input	Value	Period	Source	Check
Adjusted close series (14 months)	57.02	2026-10-23	Yahoo Finance / Alpaca Market Data daily history	not cross-checked

Insider

0 of 100. no open-market transactions in window. How this is scored. Form 4 data loaded through 2026-10-23

Test or factor	Value	Points
Open-market buy value / market cap (percentile among buyers)	0.0 bp	0.0 / 35
Distinct buyers	0	0.0 / 25
Buyer seniority	0.0	0.0 / 20
Recency (half-life 30d)	0.0	0.0 / 10
Sales penalty (excludes 10b5-1 plan sales)	0.0 bp	-0.0 / 0

Inputs, 11 numbers with their sources

Input	Value	Source	Check
excluded 2026-09-03 S	10b5-1 plan	rule	not cross-checked
excluded 2026-09-03 S	10b5-1 plan	rule	not cross-checked
excluded 2026-09-03 S	10b5-1 plan	rule	not cross-checked
excluded 2026-09-03 S	10b5-1 plan	rule	not cross-checked
excluded 2026-09-03 S	10b5-1 plan	rule	not cross-checked
excluded 2026-09-03 S	10b5-1 plan	rule	not cross-checked
excluded 2026-09-03 S	10b5-1 plan	rule	not cross-checked
excluded 2026-08-18 S	10b5-1 plan	rule	not cross-checked
excluded 2026-08-18 S	10b5-1 plan	rule	not cross-checked
excluded 2026-07-29 S	10b5-1 plan	rule	not cross-checked
excluded 2026-07-29 S	10b5-1 plan	rule	not cross-checked

Buffett Quality

97 of 100. ok. How this is scored.

Test or factor	Value	Threshold	Points
1 Average return on equity (net income / year-end equity)	18.3% over 8 yrs	>= 15%	25.0 / 25
2 Profitable every year	10 of 10	all years	15.0 / 15
3 Net income growth, 3-yr average now vs start of window	+14.6% a year	>= +10%	10.0 / 10
4 Borrowings / 3-yr average earnings (years to repay) LongTermDebt (incl. current maturities)	2.8 years	<= 4	15.0 / 15
5 Operating margin, 5-yr average	16.5%	>= 20%	7.1 / 10
6 Free cash flow / net income, 5-yr (operating cash flow minus capex)	1.31	>= 1.0	10.0 / 10
7 Owner-earnings yield (3-yr avg free cash flow / market cap)	11.3%	>= 7%	15.0 / 15

Inputs, 49 numbers with their sources

Input	Value	Period	Source	Check
Price (close, per traded unit)	57.02	2026-10-23	Alpaca Market Data (consolidated SIP daily bar)	not cross-checked
Net income FY2018	2057000000.0	2018-12-31 history	SEC XBRL NetIncomeLoss 0001633917-21-000018	unverified
Equity at FY2018 end	15386000000.0	2018-12-31 history	SEC XBRL StockholdersEquity 0001633917-20-000028	unverified
Net income FY2019	2459000000.0	2019-12-31 history	SEC XBRL NetIncomeLoss 0001633917-22-000027	unverified
Equity at FY2019 end	16885000000.0	2019-12-31 history	SEC XBRL StockholdersEquity 0001633917-21-000018	unverified
Net income FY2020	4202000000.0	2020-12-31 history	SEC XBRL NetIncomeLoss 0001633917-23-000033	unverified
Equity at FY2020 end	20019000000.0	2020-12-31 history	SEC XBRL StockholdersEquity 0001633917-22-000027	unverified
Net income FY2021	4169000000.0	2021-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) 0001633917-24-000024	unverified
Equity at FY2021 end	21727000000.0	2021-12-31 history	SEC XBRL StockholdersEquity 0001633917-25-000019	unverified
Net income FY2022	2419000000.0	2022-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) 0001633917-25-000019	unverified
Equity at FY2022 end	20274000000.0	2022-12-31 history	SEC XBRL StockholdersEquity 0001633917-26-000024	unverified
Net income FY2023	4246000000.0	2023-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) 0001633917-26-000024	unverified
Equity at FY2023 end	21051000000.0	2023-12-31 history	SEC XBRL StockholdersEquity 0001633917-26-000024	unverified
Net income FY2024	4147000000.0	2024-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) 0001633917-26-000024	unverified
Equity at FY2024 end	20417000000.0	2024-12-31 history	SEC XBRL StockholdersEquity 0001633917-26-000082	unverified
Net income FY2025	5233000000.0	2025-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) 0001633917-26-000024	unverified
Equity at FY2025 end	20256000000.0	2025-12-31 history	SEC XBRL StockholdersEquity 0001633917-26-000082	unverified
Net income FY2016	1401000000.0	2016-12-31 history	SEC XBRL NetIncomeLoss 0001633917-19-000200	unverified
Net income FY2017	1795000000.0	2017-12-31 history	SEC XBRL NetIncomeLoss 0001633917-20-000028	unverified
Net income FY2018	2057000000.0	2018-12-31 history	SEC XBRL NetIncomeLoss 0001633917-21-000018	unverified
Net income FY2019	2459000000.0	2019-12-31 history	SEC XBRL NetIncomeLoss 0001633917-22-000027	unverified
Net income FY2020	4202000000.0	2020-12-31 history	SEC XBRL NetIncomeLoss 0001633917-23-000033	unverified
Net income FY2021	4169000000.0	2021-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) 0001633917-24-000024	unverified
Net income FY2022	2419000000.0	2022-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) 0001633917-25-000019	unverified
Net income FY2023	4246000000.0	2023-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) 0001633917-26-000024	unverified
Net income FY2024	4147000000.0	2024-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) 0001633917-26-000024	unverified
Net income FY2025	5233000000.0	2025-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) 0001633917-26-000024	unverified
debt_incl_current	12728000000.0	2026-06-30	SEC XBRL LongTermDebt 0001633917-26-000082	unverified
Operating income FY2021	4262000000.0	2021-12-31 history	SEC XBRL OperatingIncomeLoss 0001633917-24-000024	unverified
Revenue FY2021	25371000000.0	2021-12-31 history	SEC XBRL Revenues 0001633917-24-000024	unverified
Operating income FY2022	3837000000.0	2022-12-31 history	SEC XBRL OperatingIncomeLoss 0001633917-25-000019	unverified
Revenue FY2022	27518000000.0	2022-12-31 history	SEC XBRL Revenues 0001633917-25-000019	unverified
Operating income FY2023	5028000000.0	2023-12-31 history	SEC XBRL OperatingIncomeLoss 0001633917-26-000024	unverified
Revenue FY2023	29771000000.0	2023-12-31 history	SEC XBRL Revenues 0001633917-26-000024	unverified
Operating income FY2024	5325000000.0	2024-12-31 history	SEC XBRL OperatingIncomeLoss 0001633917-26-000024	unverified
Revenue FY2024	31797000000.0	2024-12-31 history	SEC XBRL Revenues 0001633917-26-000024	unverified
Operating income FY2025	6065000000.0	2025-12-31 history	SEC XBRL OperatingIncomeLoss 0001633917-26-000024	unverified
Revenue FY2025	33172000000.0	2025-12-31 history	SEC XBRL Revenues 0001633917-26-000024	unverified
Operating cash flow FY2021	5797000000.0	2021-12-31 history	SEC XBRL NetCashProvidedByUsedInOperatingActivities 0001633917-24-000024	unverified
Capital expenditure FY2021	908000000.0	2021-12-31 history	SEC XBRL PaymentsToAcquirePropertyPlantAndEquipment 0001633917-24-000024	unverified
Operating cash flow FY2022	5813000000.0	2022-12-31 history	SEC XBRL NetCashProvidedByUsedInOperatingActivities 0001633917-25-000019	unverified
Capital expenditure FY2022	706000000.0	2022-12-31 history	SEC XBRL PaymentsToAcquirePropertyPlantAndEquipment 0001633917-25-000019	unverified
Operating cash flow FY2023	4843000000.0	2023-12-31 history	SEC XBRL NetCashProvidedByUsedInOperatingActivities 0001633917-26-000024	unverified
Capital expenditure FY2023	623000000.0	2023-12-31 history	SEC XBRL PaymentsToAcquirePropertyPlantAndEquipment 0001633917-26-000024	unverified
Operating cash flow FY2024	7450000000.0	2024-12-31 history	SEC XBRL NetCashProvidedByUsedInOperatingActivities 0001633917-26-000024	unverified
Capital expenditure FY2024	683000000.0	2024-12-31 history	SEC XBRL PaymentsToAcquirePropertyPlantAndEquipment 0001633917-26-000024	unverified
Operating cash flow FY2025	6416000000.0	2025-12-31 history	SEC XBRL NetCashProvidedByUsedInOperatingActivities 0001633917-26-000024	unverified
Capital expenditure FY2025	852000000.0	2025-12-31 history	SEC XBRL PaymentsToAcquirePropertyPlantAndEquipment 0001633917-26-000024	unverified
Shares outstanding	855460874.0	2026-07-22	SEC cover page 10-Q 0001633917-26-000082 (855,460,874 shares (single class on cover)); filing document https://www.sec.gov/Archives/edgar/data/1633917/000163391726000082/pypl-20260630.htm 0001633917-26-000082	not cross-checked

Lynch GARP

76 of 100. ok. How this is scored.

Test or factor	Value	Threshold	Points
1 PEG: P/E divided by 5-yr EPS growth (in % points)	1.19	<= 1.0	24.3 / 30
2 EPS growth, 5-yr compound rate	+8.9% a year	12% to 35% a year	14.8 / 20
3 P/E on latest annual EPS	10.5	<= 25	10.0 / 10
4 Borrowings / equity LongTermDebt (incl. current maturities)	0.64	<= 0.5	12.9 / 15
5 Years of the last 5 in which EPS rose	3 of 5	5 of 5	9.0 / 15
6 Net cash (cash minus borrowings) / market cap	-9.1%	>= +10%	4.6 / 10

Inputs, 6 numbers with their sources

Input	Value	Period	Source	Check
Price (close, per traded unit)	57.02	2026-10-23	Alpaca Market Data (consolidated SIP daily bar)	not cross-checked
EPS diluted FY2025	5.41	2025-12-31 history	SEC XBRL EarningsPerShareDiluted 0001633917-26-000024	unverified
EPS diluted FY2020	3.54	2020-12-31 history	SEC XBRL EarningsPerShareDiluted 0001633917-23-000033	unverified
debt_incl_current	12728000000.0	2026-06-30	SEC XBRL LongTermDebt 0001633917-26-000082	unverified
equity	19820000000.0	2026-06-30	SEC XBRL StockholdersEquity 0001633917-26-000082	unverified
cash	8306000000.0	2026-06-30	SEC XBRL CashAndCashEquivalentsAtCarryingValue 0001633917-26-000082	unverified

Graham Enterprising

59 of 100. ok. How this is scored.

Test or factor	Value	Threshold	Points
1 Current ratio	1.29	>= 1.5	8.6 / 15
2 Borrowings vs working capital LongTermDebt (incl. current maturities)	0.91 x	<= 1.1x	15.0 / 15
3 No earnings deficit in the last 5 years	5 of 5 profitable	5 of 5	15.0 / 15
4 Pays a current dividend	yes	yes	10.0 / 10
5 EPS higher than five years earlier	3.54 -> 5.41	higher	10.0 / 10
6 Price / book value per share book value used because intangibles are not separated in the dataset (Graham uses net tangible assets)	2.46	<= 1.2	0.0 / 20
7 Price / net current asset value per share (current assets minus all liabilities) net current asset value not positive	—	<= 0.67	0.0 / 15

Inputs, 14 numbers with their sources

Input	Value	Period	Source	Check
Price (close, per traded unit)	57.02	2026-10-23	Alpaca Market Data (consolidated SIP daily bar)	not cross-checked
current_assets	62346000000.0	2026-06-30	SEC XBRL AssetsCurrent 0001633917-26-000082	unverified
current_liabilities	48406000000.0	2026-06-30	SEC XBRL LiabilitiesCurrent 0001633917-26-000082	unverified
debt_incl_current	12728000000.0	2026-06-30	SEC XBRL LongTermDebt 0001633917-26-000082	unverified
Net income FY2021	4169000000.0	2021-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) 0001633917-24-000024	unverified
Net income FY2022	2419000000.0	2022-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) 0001633917-25-000019	unverified
Net income FY2023	4246000000.0	2023-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) 0001633917-26-000024	unverified
Net income FY2024	4147000000.0	2024-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) 0001633917-26-000024	unverified
Net income FY2025	5233000000.0	2025-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) 0001633917-26-000024	unverified
Dividend years (Yahoo)	[2025, 2026]	history	Yahoo Finance dividend history	not cross-checked
EPS diluted FY2025	5.41	2025-12-31 history	SEC XBRL EarningsPerShareDiluted 0001633917-26-000024	unverified
EPS diluted FY2020	3.54	2020-12-31 history	SEC XBRL EarningsPerShareDiluted 0001633917-23-000033	unverified
equity	19820000000.0	2026-06-30	SEC XBRL StockholdersEquity 0001633917-26-000082	unverified
Shares outstanding	855460874.0	2026-07-22	SEC cover page 10-Q 0001633917-26-000082 (855,460,874 shares (single class on cover)); filing document https://www.sec.gov/Archives/edgar/data/1633917/000163391726000082/pypl-20260630.htm 0001633917-26-000082	not cross-checked

Piotroski F-Score

100 of 100. ok. How this is scored.

Test or factor	Value	Threshold	Points
1 Return on assets is positive	6.5%	pass = 1	11.11111111111111 / 11.11111111111111
2 Operating cash flow is positive	6,416M	pass = 1	11.11111111111111 / 11.11111111111111
3 Return on assets improved on the prior year	5.3% -> 6.5%	pass = 1	11.11111111111111 / 11.11111111111111
4 Operating cash flow exceeds net income (accruals)	6,416M vs 5,233M	pass = 1	11.11111111111111 / 11.11111111111111
5 Long-term debt / assets fell	12.5% -> 12.5%	pass = 1	11.11111111111111 / 11.11111111111111
6 Current ratio improved	1.28 -> 1.29	pass = 1	11.11111111111111 / 11.11111111111111
7 No new shares issued (share count did not rise)	955M -> 855M	pass = 1	11.11111111111111 / 11.11111111111111
8 Operating margin improved (stand-in for gross margin, which the dataset does not carry)	16.7% -> 18.3%	pass = 1	11.11111111111111 / 11.11111111111111
9 Asset turnover (revenue / assets) improved	0.40 -> 0.41	pass = 1	11.11111111111111 / 11.11111111111111

Inputs, 27 numbers with their sources

Input	Value	Period	Source	Check
net_income 2025-12-31	5233000000.0	2025-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) 0001633917-26-000024	unverified
total_assets 2025-12-31	80173000000.0	2025-12-31 history	SEC XBRL Assets 0001633917-26-000082	unverified
cfo 2025-12-31	6416000000.0	2025-12-31 history	SEC XBRL NetCashProvidedByUsedInOperatingActivities 0001633917-26-000024	unverified
net_income 2025-12-31	5233000000.0	2025-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) 0001633917-26-000024	unverified
net_income 2024-12-31	4147000000.0	2024-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) 0001633917-26-000024	unverified
total_assets 2025-12-31	80173000000.0	2025-12-31 history	SEC XBRL Assets 0001633917-26-000082	unverified
total_assets 2024-12-31	78725000000.0	2024-12-31 history	SEC XBRL Assets 0001633917-26-000024	unverified
cfo 2025-12-31	6416000000.0	2025-12-31 history	SEC XBRL NetCashProvidedByUsedInOperatingActivities 0001633917-26-000024	unverified
net_income 2025-12-31	5233000000.0	2025-12-31 history	SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) 0001633917-26-000024	unverified
lt_debt 2025-12-31	9987000000.0	2025-12-31 history	SEC XBRL LongTermDebtNoncurrent 0001633917-26-000082	unverified
lt_debt 2024-12-31	9879000000.0	2024-12-31 history	SEC XBRL LongTermDebtNoncurrent 0001633917-26-000024	unverified
total_assets 2025-12-31	80173000000.0	2025-12-31 history	SEC XBRL Assets 0001633917-26-000082	unverified
total_assets 2024-12-31	78725000000.0	2024-12-31 history	SEC XBRL Assets 0001633917-26-000024	unverified
current_assets 2025-12-31	59759000000.0	2025-12-31 history	SEC XBRL AssetsCurrent 0001633917-26-000082	unverified
current_assets 2024-12-31	58206000000.0	2024-12-31 history	SEC XBRL AssetsCurrent 0001633917-26-000024	unverified
current_liabilities 2025-12-31	46443000000.0	2025-12-31 history	SEC XBRL LiabilitiesCurrent 0001633917-26-000082	unverified
current_liabilities 2024-12-31	45490000000.0	2024-12-31 history	SEC XBRL LiabilitiesCurrent 0001633917-26-000024	unverified
shares_out 2026-07-22	855460874.0	2026-07-22 history	SEC XBRL EntityCommonStockSharesOutstanding 0001633917-26-000082	unverified
shares_out 2025-07-23	955378405.0	2025-07-23 history	SEC XBRL EntityCommonStockSharesOutstanding 0001633917-25-000161	unverified
operating_income 2025-12-31	6065000000.0	2025-12-31 history	SEC XBRL OperatingIncomeLoss 0001633917-26-000024	unverified
operating_income 2024-12-31	5325000000.0	2024-12-31 history	SEC XBRL OperatingIncomeLoss 0001633917-26-000024	unverified
revenue 2025-12-31	33172000000.0	2025-12-31 history	SEC XBRL Revenues 0001633917-26-000024	unverified
revenue 2024-12-31	31797000000.0	2024-12-31 history	SEC XBRL Revenues 0001633917-26-000024	unverified
revenue 2025-12-31	33172000000.0	2025-12-31 history	SEC XBRL Revenues 0001633917-26-000024	unverified
revenue 2024-12-31	31797000000.0	2024-12-31 history	SEC XBRL Revenues 0001633917-26-000024	unverified
total_assets 2025-12-31	80173000000.0	2025-12-31 history	SEC XBRL Assets 0001633917-26-000082	unverified
total_assets 2024-12-31	78725000000.0	2024-12-31 history	SEC XBRL Assets 0001633917-26-000024	unverified

Earnings record

SEC XBRL, by fiscal year (named by the calendar year it ends in); EPS split-adjusted to today's shares; each row links to the filing.

FY	Ended	Revenue, $M	Net income, $M	EPS diluted	Dividend	Filing
2013	2013-12-31	6,727	955	0.78	none	0001633917-16-000113
2014	2014-12-31	8,025	419	0.34	none	0001633917-17-000027
2015	2015-12-31	9,248	1,228	1.0	none	0001633917-18-000029
2016	2016-12-31	10,842	1,401	1.15	none	0001633917-19-000200
2017	2017-12-31	13,094	1,795	1.47	none	0001633917-20-000028
2018	2018-12-31	15,451	2,057	1.71	none	0001633917-21-000018
2019	2019-12-31	17,772	2,459	2.07	none	0001633917-22-000027
2020	2020-12-31	21,454	4,202	3.54	none	0001633917-23-000033
2021	2021-12-31	25,371	4,169	3.52	none	0001633917-24-000024
2022	2022-12-31	27,518	2,419	2.09	none	0001633917-25-000019
2023	2023-12-31	29,771	4,246	3.84	none	0001633917-26-000024
2024	2024-12-31	31,797	4,147	3.99	none	0001633917-26-000024
2025	2025-12-31	33,172	5,233	5.41	paid	0001633917-26-000024

Insider transactions

SEC Form 4 open-market purchases and sales from the insider data sets; latest 20.

Date	Insider	Role	Type	Shares	Price	Value
2026-09-03	Keller Frank	officer	sale plan	1,000	55.74	55,740
2026-09-03	Keller Frank	officer	sale plan	2,427	54.68	132,708
2026-09-03	Keller Frank	officer	sale plan	1,185	56.71	67,201
2026-09-03	Kereere Suzan	Pres	sale plan	995	55.79	55,511
2026-09-03	Kereere Suzan	Pres	sale plan	1,284	56.69	72,790
2026-09-03	Kereere Suzan	Pres	sale plan	1,100	54.53	59,983
2026-09-03	Natali Chris	officer	sale plan	552	54.80	30,250
2026-08-18	Kereere Suzan	Pres	sale plan	800	61.41	49,128
2026-08-18	Kereere Suzan	Pres	sale plan	3,362	60.86	204,611
2026-07-29	Keller Frank	officer	sale plan	732	58.10	42,529
2026-07-29	Natali Chris	officer	sale plan	1,337	58.10	77,680
2026-06-15	Miller Jamie S	officer	buy	6,129	41.53	254,537
2026-06-03	Keller Frank	officer	sale	4,612	42.54	196,194
2026-06-03	Kereere Suzan	Pres	sale	3,379	42.79	144,587
2026-06-03	Natali Chris	officer	sale	552	42.65	23,543
2026-05-19	Kereere Suzan	Pres	sale	3,962	44.16	174,962
2026-05-19	Kereere Suzan	Pres	sale	200	44.87	8,974
2026-04-29	Keller Frank	officer	sale	732	49.46	36,205
2026-04-29	Keller Frank	officer	sale	10,000	50.00	500,000
2026-04-29	Natali Chris	officer	sale	1,337	49.46	66,128

Filings and links

Third-party sites are linked only; nothing from them is stored here.

SEC: filing index, 8-K, Form 4, XBRL companyfacts
Prices: Yahoo Finance, Stooq
Elsewhere: morningstar, finviz, stockanalysis, seeking alpha, openinsider, google news

Cite as: The Claude Trader snapshot 2026-10-26, https://theclaudetrader.com/s/PYPL; data from SEC EDGAR XBRL and market prices (Alpaca Market Data, Yahoo Finance) to 2026-10-23. Data last checked 2026-10-26.