US stock · figures in US dollars · scored on full-year results
PayPal PayPal Holdings, Inc.
PayPal scores 57/100 on fundamentals: in the top 42% of 503 scored S&P 500 stocks. Its strongest area is Financial Safety (67/100); its weakest is Price Fairness (33/100). It carries 2 warning flags: One-off Dividend, Limited Data.
- Carries a One-off Dividend flag
- Carries a Limited Data flag
An inexpensively priced stock, but price fairness needs attention.
Nearby peers
Ranks #35 of 56 in Financial Services by score
One-Minute Summary
Why PayPal scores 57
An inexpensively priced stock, but price fairness needs attention.
Business Strength
63Why 63?
No data: Quarterly Momentum
Show 3 charts
Net Profit & Equity, with ROE
Revenue & Net Profit, with Net Margin
Sales grew about 15.2% over 4 years: customers keep spending more with this company.
Profit climbed about 11.3% over 4 years: the business keeps more money as it grows.
Recent Quarters: Revenue & Net Profit (the last 8 quarters, scored)
Sales have stayed roughly flat over the last 5 quarters.
Profit fell about 12.5% over the last 5 quarters.
Financial Safety
67Why 67?
Show 2 charts
Debt vs Equity, with D/E ratio
Borrowings grew about 39.2% over 4 years: watch this; rising debt adds pressure in bad times.
Short-term assets vs bills, with Current Ratio
Cash & Dividends
63Why 63?
Show 3 charts
Operating vs Free Cash Flow
The business generates real cash, and more of it each year: a very healthy sign.
Cash vs Total Debt
Dividends per Share, with Yield
Dividends per share have been maintained or raised: management shares the rewards with you.
Price FairnessLowest pillar
33Why 33?
Show chart
Share Price: Weekly Closes (not part of the score)
The share price is down about 16.8% over the past year.
Risk
63Why 63?
No data: Inventory vs Sales (4yr) · Quarterly Consistency
Sector peers
PayPal (PYPL) scores 57/100 (Okay) on Score Your Stock's educational fundamentals model: in the top 42% of 503 scored S&P 500 stocks.
Its strongest pillar is Financial Safety (67/100); its weakest is Price Fairness (33/100).
PayPal ranks #35 of 56 scored Financial Services stocks on Score Your Stock.
Yes. PayPal (PYPL) has a dividend yield of 1%, from dividends with an ex-date in the last 12 months. It pays out 11% of its profit as dividends. That payout is at least 3 times its best earlier year, so it is likely a one-off rather than a regular dividend. Its Cash & Dividends pillar scores 63/100.
From Malaysia, open an account with a broker that offers US shares (many local and app-based brokers do), convert ringgit to US dollars, then buy PYPL. US shares trade one share at a time, not in lots of 100. Check the currency conversion fee and US dividend tax (usually 30% withheld for Malaysians) before you buy.
The overall score pools every measure across 5 weighted pillars: Business Strength, Financial Safety, Cash & Dividends, Price Fairness, and Risk. It uses the same rules as our Bursa scores. For banks, Financial Safety checks nonaccrual (impaired) loans, loan loss coverage and the CET1 capital ratio, from the FDIC call report of the group's main bank. Full methodology and the default weights: https://scoreyourstock.com/how. This is an educational tool, not investment advice.
PayPal (PYPL) is a Financial Services company (Credit Services). On Score Your Stock's fundamentals check, it scores 57/100, rated Okay. Its biggest strength is Financial Safety (67/100); its main watch-out is Price Fairness (33/100). Shares currently cost about 10 years of its current profit to buy (P/E 10.1×). Full breakdown and daily-updated score: https://scoreyourstock.com/stocks/us/pypl-paypal
Full Financial History
Every reported figure behind the score, year by year. Download it, or check it against the company's own annual report.
| Financial Year | Revenue | Net Profit | Operating Cash Flow | Free Cash Flow | CapEx | Cash | Total Debt | Short-Term Debt | Equity | Current Assets | Current Liabilities | Total Assets | Total Liabilities | Dividends | Return on Equity (ROE) | Net Profit Margin | Debt-to-Equity | Current Ratio | Interest Coverage | Dividend Payout Ratio | Div yield | P/E Ratio | P/B Ratio | PEG Ratio |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | US$ 34.3b | US$ 4.7b | US$ 7.1b | US$ 6.3b | US$ -794.0m | US$ 7.2b | US$ 13.5b | US$ 2.5b | US$ 19.5b | US$ 60.5b | US$ 47.9b | US$ 81.6b | US$ 62.1b | - | 24% | 14% | 0.7× | 1.3× | 12.7× | 11% | - | - | - | - |
| 2025 | US$ 33.2b | US$ 5.2b | US$ 6.4b | US$ 5.6b | US$ -852.0m | US$ 8.0b | US$ 10.0b | - | US$ 20.3b | US$ 59.8b | US$ 46.4b | US$ 80.2b | US$ 59.9b | US$ 14.0m | 26% | 16% | 0.5× | 1.3× | 15.3× | 2% | 0% | 10.1× | 2.6× | 0.4 |
| 2024 | US$ 31.8b | US$ 4.1b | US$ 7.5b | US$ 6.8b | US$ -683.0m | US$ 6.7b | US$ 9.9b | - | US$ 20.4b | US$ 58.2b | US$ 45.5b | US$ 78.7b | US$ 58.3b | US$ 0.0m | 20% | 13% | 0.5× | 1.3× | 15.0× | 0% | 0% | 20.7× | 4.2× | 0.7 |
| 2023 | US$ 29.8b | US$ 4.2b | US$ 4.8b | US$ 4.2b | US$ -623.0m | US$ 9.1b | US$ 9.7b | - | US$ 21.1b | US$ 62.6b | US$ 48.5b | US$ 82.2b | US$ 61.1b | US$ 0.0m | 20% | 14% | 0.5× | 1.3× | 16.6× | 0% | 0% | 15.3× | 3.1× | 0.2 |