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PYPL

PayPal Holdings, Inc.

PayPal Holdings, Inc. is classed by the SEC under Services-Business Services, NEC (industry code 7389), based in San Jose, CA. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $33 billion and a profit of $5.2 billion (its filed statements).

Marketplace business Services-Business Services, NEC San Jose, CA filings since 2015 9 of 9 filed
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Sector peers: FISVACNVUBER

6.0/10headline grade
vs its business-model standard
7.8/10past 5.9/10present 5.1/10future

Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a marketplace business: prior from its industry code (SEC 7389, Services-Business Services, NEC); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.

The grade, in three tenses

Headline 6.0 out of ten, 9 of 9 metrics filed: past 7.8 out of ten, present 5.9 out of ten, future 5.1 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.

The nine metrics

  • Surviving crises (past): 7.9 out of ten. No warning events in its filings since 2017. 79th percentile among 105 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Track record (past): 7.4 out of ten. +11.5% a year over 8 filed years; profitable in 8 of 8. 74th percentile among 99 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Shareholder treatment (past): 8.4 out of ten. Share count shrank 5.8% a year. 92% of cash flow returned. Insiders: 42 sales, 1 purchases. 84th percentile among 70 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Financial health (present): 6.9 out of ten. ROE 26%: 26¢ of profit per shareholder dollar. Leverage 75%: owes 75¢ per asset dollar. 69th percentile among 98 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Industry position (present): 7.4 out of ten. top 26% of 101 in its family; net margin 15.8%. 74th percentile among 101 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Leadership (present): 1.2 out of ten. bottom 12% of 67 in its family for leadership; chief executive since 2026. 12th percentile among 67 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
  • Room to expand (future): 5.4 out of ten. top 46% of 99 in its family for room to expand. 54th percentile among 99 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Growth drivers (future): 5.1 out of ten. top 49% of 99 in its family for growth drivers. 51st percentile among 99 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
  • Expectations vs reality (future): 4.5 out of ten. bottom 45% of 93 in its family for expectations against reality. 45th percentile among 93 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).

The filing record

Newest annual report: Form 10-K filed 2026-02-03 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-07-28 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-28 (on EDGAR). Newest filing: Form 4, 2026-09-16. Filings on record since 2015. Read from EDGAR 2026-10-12.

Where the revenue comes from

Product and service lines in fiscal 2025: Transaction Revenue 90%, Revenues From Other Value Added Services 10%. By geography: United States 57%, Outside the United States 43%. As tagged in its annual report (Form 10-K, filed 2026-02-03).

Who runs it

Lores, Enrique (President and CEO); Chriss, James Alexander (President and CEO); Kereere, Suzan (President, Global Markets); Miller, Jamie S (Chief Fin & Op Officer); Natali, Chris (SVP, Chief Accounting Officer); Webster, Aaron (EVP, Global Chief Risk Officer); Keller, Frank (Pres., Checkout Sol. & PayPal); Scotti, Diego (EVP, GM Consumer Group); Gill, Michelle (EVP, GM, SMB & Financial Svcs); Chik, Joy (director); and 9 more. 19 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.

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