What is the 13F Pro Quality Score for PYPL?

13F Pro ranks PayPal Holdings, Inc. (PYPL) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View PYPL's current score at https://13fpro.ai/company/PYPL (free sign-up required for the full ranking).

Which hedge funds own the most PYPL stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of PYPL include BlackRock,, VANGUARD CAPITAL MANAGEMENT, STATE STREET. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/company/PYPL as soon as new 13F filings post.

Where does 13F Pro source PYPL data?

All PayPal Holdings, Inc. fundamentals and ownership data come directly from SEC EDGAR. PayPal Holdings, Inc. files with the SEC under CIK 1633917. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is PYPL in?

PayPal Holdings, Inc. (PYPL) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives PYPL's revenue?

Per PayPal Holdings, Inc.'s latest 10-Q filed with the SEC on 2026-07-28, the biggest revenue drivers are: Transaction revenues ($7.83B, +5% YoY); Revenues from other value added services ($850M, flat YoY); Braintree. Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/PYPL.

What are PYPL's largest expenses?

PayPal Holdings, Inc.'s latest 10-Q reports these as the largest expense items: Transaction expense ($4.39B, +11% YoY); Technology and development ($849M, +11% YoY); Transaction and credit losses ($397M, -17% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is PYPL research updated on 13F Pro?

PYPL's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

PayPal Holdings, Inc.(PYPL)Stock Analysis

AI analysis on 2,800+ stocks →Deep AI analysis on 2,800+ stocks →

Financials →Nasdaqlarge

Institutional-grade research for retail investors

SEC EDGAR: CIK 1633917 PYPL stock profile & AI dashboard →

13F Pro Quality Score

64.1/100

Rank #570 of 2,961 stocksTOP 25%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

43.6/100

Profitability

73.8/100

Balance Sheet

74.9/100

Earnings Quality

53.2/100

Free Cash Flow

67.3/100

Institutional Flow

40.9/100

Revenue Scale

95.5/100

Dilution Risk

32.3/100

Email me the moment this company reports earnings

AI Research Report

Two-page plain-English analysis: business, thesis, and three scenarios for the next two years. Refreshed every quarter.

Upgrade to Pro

Pro: 5 reports/month · Pro+: unlimitedOpinion, not investment advice. Do your own research.

Why PYPL Scores 64/100

exact factor attribution · 2026-09-11

PYPL's composite is driven by scale and profitability, held back by revenue growth and shareholder dilution. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Scale

+9.1 pts

96th pct

Profitability

+4.8 pts

74th pct

Capital efficiency

+3.3 pts

75th pct

Free cash flow

+2.6 pts

67th pct

Earnings growth

+0.4 pts

56th pct

Earnings quality

+0.3 pts

53th pct

Institutional flow

-0.6 pts

41th pct

Shareholder dilution

-1.2 pts

32th pct

Revenue growth

-1.7 pts

44th pct

Latest change (2026-07-28): 71 → 68 · ↓ Revenue growth 53→42; ↓ Earnings growth 62→47

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

PYPL Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for PayPal Holdings, Inc. (PYPL), 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 #570 of 2,961 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. PayPal Holdings, Inc.'s 13F Pro composite quality score has ranged between 57 and 81 since 2021, currently 64.1 — a declining long-term trajectory across 68 quarterly and live scoring snapshots.

✦

Fun facts about PayPal Holdings, Inc.

Quirks, history, and lore behind PYPL — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. financial technology company · large-cap · listed on Nasdaq · headquartered in California.
2
The Numbers
Processes roughly $1.5 trillion in payment volume a year and serves over 400 million active accounts worldwide — that's more accounts than most banks have customers.
3
The History
Born in 1998 during the dot-com boom, it was acquired by eBay in 2002 and spent over a decade as its payments arm before spinning off as an independent public company in 2015.
4
The Secret
It quietly owns Venmo — the app your friends use to split the dinner bill — plus Braintree, which powers payments behind many apps you use daily without knowing it.
5
The Lore
Its early team included Elon Musk and Peter Thiel — alumni who went on to found Tesla, SpaceX, and Palantir, earning the group the nickname the 'PayPal Mafia.'
6
The Giveaway
A blue and white logo, two overlapping P's, and a button billions of online shoppers click every day that just says 'Check out with…'

▶ Think you know your stocks? Play the Daily Ticker

What's Driving PYPL's Business? Latest 10-Q Breakdown

✓ 19/19 datapoints verified

AI-extracted from PayPal Holdings, Inc.'s 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.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q1 2026

$8.4B

Net Income

Q1 2026

$1.1B

Free Cash Flow

Q1 2026

$903.0M

Operating Margin

Q1 2026

17.8%

ROIC

Q1 2026

19.3%

D/E Ratio

Q1 2026

0.54

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+4.3% YoY

$33.17BFY 2025

FY22 $27.52BFY23 $29.77BFY24 $31.80BFY25 $33.17B

Net Income

+26.2% YoY

$5.23BFY 2025

FY22 $2.42BFY23 $4.25BFY24 $4.15BFY25 $5.23B

Operating Income

+13.9% YoY

$6.07BFY 2025

FY22 $3.84BFY23 $5.03BFY24 $5.33BFY25 $6.07B

EPS (Diluted)

+35.6% YoY

$5.41FY 2025

FY22 $2.09FY23 $3.84FY24 $3.99FY25 $5.41

Total Assets

+1.8% YoY

$80.17BFY 2025

FY22 $78.62BFY23 $82.17BFY24 $78.72BFY25 $80.17B

Total Debt

+1.1% YoY

$9.99BFY 2025

FY22 $10.42BFY23 $9.68BFY24 $9.88BFY25 $9.99B

Op. Cash Flow

-13.9% YoY

$6.42BFY 2025

FY22 $5.81BFY23 $4.84BFY24 $7.45BFY25 $6.42B

Free Cash Flow

-17.8% YoY

$5.56BFY 2025

FY22 $5.11BFY23 $4.22BFY24 $6.77BFY25 $5.56B

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$33.17B +4.3%	$31.80B +6.8%	$29.77B +8.2%	$27.52B +8.5%	$25.37B +18.3%	$21.45B
Net Income	$5.23B +26.2%	$4.15B -2.3%	$4.25B +75.5%	$2.42B -42.0%	$4.17B -0.8%	$4.20B
Operating Income	$6.07B +13.9%	$5.33B +5.9%	$5.03B +31.0%	$3.84B -10.0%	$4.26B +29.6%	$3.29B
EPS (Diluted)	$5.41 +35.6%	$3.99 +3.9%	$3.84 +83.7%	$2.09 -40.6%	$3.52 -0.6%	$3.54
Total Assets	$80.17B +1.8%	$78.72B -4.2%	$82.17B +4.5%	$78.62B +3.7%	$75.80B +7.7%	$70.38B
Total Debt	$9.99B +1.1%	$9.88B +2.1%	$9.68B -7.1%	$10.42B +29.4%	$8.05B -10.0%	$8.94B
Operating Cash Flow	$6.42B -13.9%	$7.45B +53.8%	$4.84B -16.7%	$5.81B +0.3%	$5.80B -6.8%	$6.22B
Free Cash Flow	$5.56B -17.8%	$6.77B +60.4%	$4.22B -17.4%	$5.11B +4.5%	$4.89B -8.7%	$5.35B

Get alerted when PYPL's score changes

Free account: watchlist tracking, the daily AI brief, and the AI screener.

Passwordless sign-in · Payments by Stripe · Auth by Clerk

Available Research

13F Pro tracks comprehensive data for PayPal Holdings, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of PYPL

BlackRock, Inc.
$3.2B74,965,012 sh
VANGUARD CAPITAL MANAGEMENT LLC
$2.3B53,624,311 sh
STATE STREET CORP
$1.8B41,228,833 sh
Invesco Ltd.
$1.4B33,444,420 sh
GEODE CAPITAL MANAGEMENT, LLC
$1.3B29,372,478 sh
Comprehensive Financial Management LLC
$1.0B23,950,118 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$978.3M22,656,267 sh
BANK OF AMERICA CORP /DE/
$975.6M22,592,936 sh
Great Hill Capital LLC
$935.6M13,365,300 sh
SUSQUEHANNA INTERNATIONAL GROUP, LLP
$891.4M20,644,100 sh

Fund	Value	Shares
BlackRock, Inc.	$3.2B	74,965,012
VANGUARD CAPITAL MANAGEMENT LLC	$2.3B	53,624,311
STATE STREET CORP	$1.8B	41,228,833
Invesco Ltd.	$1.4B	33,444,420
GEODE CAPITAL MANAGEMENT, LLC	$1.3B	29,372,478
Comprehensive Financial Management LLC	$1.0B	23,950,118
VANGUARD PORTFOLIO MANAGEMENT LLC	$978.3M	22,656,267
BANK OF AMERICA CORP /DE/	$975.6M	22,592,936
Great Hill Capital LLC	$935.6M	13,365,300
SUSQUEHANNA INTERNATIONAL GROUP, LLP	$891.4M	20,644,100

Companies Similar to PYPL

Ranked by quality-profile closeness and shared hedge-fund ownership — not just sector membership.

MRSH

MARSH & MCLENNAN COMPANIES, INC.

AI score

Very similar · 26 shared holders

PRIMECAP MANAGEMENT CO/CA/VOLORIDGE INVESTMENT MANAGEMENT, LLC Robeco Institutional Asset Management B.V.

TFC

TRUIST FINANCIAL CORP

AI score

Very similar · 34 shared holders

EQUITY INVESTMENT CORP National Pension Service LSV ASSET MANAGEMENT

ICE

Intercontinental Exchange, Inc.

AI score

Very similar · 23 shared holders

National Pension Service VOLORIDGE INVESTMENT MANAGEMENT, LLC CAPITOLIS LIQUID GLOBAL MARKETS LLC

Blackstone Inc.

AI score

Very similar · 24 shared holders

National Pension Service CAPITOLIS LIQUID GLOBAL MARKETS LLC SUSQUEHANNA FUNDAMENTAL INVESTMENTS, LLC

AXP

AMERICAN EXPRESS CO

AI score

Very similar · 26 shared holders

VOLORIDGE INVESTMENT MANAGEMENT, LLC National Pension Service OFI INVEST ASSET MANAGEMENT

BLK

BlackRock, Inc.

AI score

Very similar · 25 shared holders

VOLORIDGE INVESTMENT MANAGEMENT, LLC National Pension Service SUSQUEHANNA FUNDAMENTAL INVESTMENTS, LLC

NDAQ

NASDAQ, INC.

AI score

Very similar · 27 shared holders

Robeco Institutional Asset Management B.V.National Pension Service PFA Pension, Forsikringsaktieselskab

USB

US BANCORP DE

AI score

Very similar · 32 shared holders

EQUITY INVESTMENT CORP Robeco Institutional Asset Management B.V.National Pension Service

Similarity is computed from the 8 composite sub-scores and latest-quarter 13F conviction holdings (index-style filers excluded). Refreshed monthly.

More Financials Companies

View all Financials →

AAAU

Goldman Sachs Physical Gold ETF

AAC

Ares Acquisition Corp III

AACB

Artius II Acquisition Inc.

AACI

Armada Acquisition Corp. III

AACO

Abony Acquisition Corp. I

AACP

Apogee Acquisition Corp

AAME

ATLANTIC AMERICAN CORP

AAMI

Acadian Asset Management Inc.

Put PYPL on your watchlist

Track score changes the day PayPal Holdings, Inc. files with the SEC, follow the hedge funds that own it, screen 2,800+ AI-scored stocks, and get the daily brief — free.

View Pricing

Free tier includes 13F data, economic indicators, and market overview. Pro starts at $6.67/mo (billed annually).

Passwordless sign-in · Payments by Stripe · Auth by Clerk

Popular Research

AAPL

Apple

MSFT

Microsoft

NVDA

NVIDIA

GOOG

Alphabet

AMZN

Amazon

Is PYPL a good stock to buy?

13F Pro's AI-powered analysis of PayPal Holdings, Inc. (PYPL) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for PYPL are available on the PYPL stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. PYPL is classified as a large company.

Which hedge funds own PYPL?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling PYPL. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of PayPal Holdings, Inc.'s investment landscape.