PayPal Holdings, Inc.(PYPL)— Stock Profile, AI Score & Financials
Financials · Nasdaq · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
PayPal Holdings, Inc. (PYPL) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores PYPL at 64.1/100 on a 32-signal composite quality model, placing it at rank #571 of 2,960 stocks — the top 25% of the AI-ranked universe. PYPL scores in the top quartile across revenue scale (95.5). Shareholder dilution risk is elevated at 32.3/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), PayPal Holdings, Inc. reports quarterly revenue of $8.4B, net income of $1.1B, an operating margin of 17.8%. Top institutional holders of PYPL by reported 13-F value include BlackRock, VANGUARD CAPITAL MANAGEMENT, STATE STREET, based on the most recent SEC filings. PYPL trades on the Nasdaq exchange and files with the SEC under CIK 1633917. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate PYPL daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for PayPal Holdings, Inc. directly from SEC EDGAR.
AI Quality Score
64.1/100
AI Rank
#571
Revenue
$8.4B
Net Income
$1.1B
Free Cash Flow
$903.0M
Operating Margin
17.8%
PYPL key financials by period
PayPal Holdings, Inc. reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$33.2B
$5.2B
18.3%
FY 2024
10-K
$31.8B
$4.1B
16.8%
FY 2023
10-K
$29.8B
$4.2B
16.9%
FY 2022
10-K
$27.5B
$2.4B
13.9%
FY 2021
10-K
$25.4B
$4.2B
16.8%
FY 2020
10-K
$21.5B
$4.2B
15.3%
Institutions holding PYPL
Institutional investors reporting a position in PayPal Holdings, Inc. on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-07-28 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
PayPal's Q2 FY2026 revenue grew 5% YoY to $8.68B on 10% TPV growth, but operating margin fell to 16% from 18% and net income dropped 12% to $1.1B on higher transaction expense growth and strategic investment losses.
Biggest Revenue Drivers
Transaction revenues$7.83B+5% YoY
Driven by growth in TPV and number of payment transactions, plus favorable hedging impact.
Revenues from other value added services$850Mflat YoY
Higher loan interest/fee revenue offset by lower interest earned on customer balances from lower rates.
Biggest Revenue Drivers
Total revenue: $8.68B+5% YoY
Transaction revenues$7.83B+5% YoY
Driven by growth in TPV and number of payment transactions, plus favorable hedging impact.
Within Transaction revenues
Braintree+$400M YoY
Largely driven by growth in TPV and number of payment transactions.
Venmo+$60M YoY
Largely due to growth in TPV and number of payment transactions.
PayPal branded products-$130M YoY
Higher co-marketing campaigns with large merchants (recorded as revenue reductions) and lower foreign exchange fee revenue.
Revenues from other value added services$850Mflat YoY
Higher loan interest/fee revenue offset by lower interest earned on customer balances from lower rates.
Largest Expense Items
Transaction expense$4.39B+11% YoY
Driven by 10% TPV growth and a higher proportion of TPV from Braintree, which carries higher expense rates.
Technology and development$849M+11% YoY
Increases in employee-related costs, depreciation/amortization of internally developed software, and cloud computing costs.
Transaction and credit losses$397M-17% YoY
Lower fraud losses, risk mitigation benefits, and higher recoveries, partially offset by higher TPV.
General and administrative$503M+9% YoY
Increase in indirect tax expense.
Margins: Operating margin declined to 16% from 18% YoY, reflecting a higher transaction expense growth rate (transaction expense rate rose to 0.90% of TPV from 0.89%), partially offset by a decline in transaction and credit losses.
Watch Items from the Filing
New consolidated 'Branded Checkout Securities Action' (Darcy/Norfolk, filed Feb-Apr 2026) alleges PayPal misstated impediments to its branded checkout growth strategy that impair its ability to meet 2027 financial targets.
April 2026 strategic reorganization targets at least $1.5B in gross annualized run-rate savings over 2-3 years, with ~$400M run-rate savings and a $120-140M transformation charge expected in H2 2026.
Net losses and impairments on strategic investments were $(175)M for the six months versus a $59M gain a year ago, driving a ~$230M decrease in other income (expense), net.
Merchant loan credit quality weakened: balances >90 days past due rose to 3.9% from 3.6% and the net charge-off rate rose to 7.6% from 6.1% YoY.
PayPal faces multiple active regulatory investigations (FTC, CFPB, German FCO, and new March 2026 UK FCA probe into Visa/Mastercard wallet contract terms).
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
