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PYPL

Neutral signalScored 2026-10-06 Drivers: Congress, fundamentals. Insiders: neutral. Moteurs : Congrès, fondamentaux. Initiés : neutre.

Research, not advice.

À propos

PayPal Holdings, Inc.

Nom
PayPal Holdings, Inc.
Secteur
Financial Services
Industrie
Financial - Credit Services
Bourse
NASDAQ
Capitalisation
$48.8B
Employés
23,800
PDG
Enrique J. Lores
Site web
https://www.paypal.com
Marché
AFRMDLOGDOTGPNMAPAYO

PayPal Holdings, Inc. provides a worldwide technological framework that facilitates digital financial transactions for both businesses and individual users. The company offers a wide array of payment services through well-known brands such as PayPal, PayPal Credit, Braintree, Venmo, Xoom, Zettle, Hyperwallet, Honey, and Paidy. Through its extensive platform, consumers are able to send and receive funds across roughly 200 global markets and in approximately 100 different currencies. Additionally, users can transfer money to their bank accounts in 56 currencies and maintain account balances in 25 distinct currencies within their PayPal accounts. Founded in 1998, the company's corporate headquarters are situated in San Jose, California.

Price (1 year)

Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.

VENTE TOTALE: 3021 titres (~170239 USD)

Insiders
Keller FrankKereere SuzanNatali Chris
Total bought
—

Avg buy (VWAP, 90d window) —

Total sold
$339,572

Avg sell (VWAP, 90d window) $57.65 vs last close —

Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.

$339,572 of that total is under a Rule 10b5-1 plan. It is shown here and left out of the score.

Last activity
2026-09-03
Last synced
2026-10-06 10:56:08 Synced via automated research pipeline

Sign in to request a sync of this company's price history and timing levels.

Insider holdings as a share of total assets aren't available for this company.

Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.

Recent Form 4

Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.

Date Person Side Shares Price Value Form 4
2026-09-03 Keller Frank Sell · S · 10b5-1 1,185 $56.71 $67,199 Form 4
2026-09-03 Kereere Suzan Sell · S · 10b5-1 1,284 $56.69 $72,790 Form 4
2026-09-03 Natali Chris Sell · S · 10b5-1 552 $54.80 $30,250 Form 4
2026-08-18 Kereere Suzan Sell · S · 10b5-1 800 $61.41 $49,124 Form 4
2026-07-29 Keller Frank Sell · S · 10b5-1 732 $58.10 $42,529 Form 4
2026-07-29 Natali Chris Sell · S · 10b5-1 1,337 $58.10 $77,680 Form 4

Sales marked 10b5-1 are scheduled in advance and don't count toward the Quorum score. Les ventes marquées 10b5-1 sont planifiées à l'avance et ne pèsent pas dans le score Quorum.

Congressional trades

STOCK Act disclosures (90-day window)

Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.

Date Member Side Amount range Filing
2026-07-30 John Boozman Buy $1,001 - $15,000 Filing
2026-07-30 John Boozman Buy $1,001 - $15,000 Filing

Recent trades

DateRepresentativeTypeAmount
2026-05-15Gilbert Ray CisnerosSale (Partial)$1,001 - $15,000
2026-03-16Mark AlfordSale (Partial)$1,001 - $15,000
2026-03-13Byron DonaldsPurchase$1,001 - $15,000
2026-03-13Byron DonaldsPurchase$1,001 - $15,000
2026-03-13Gilbert Ray CisnerosPurchase$1,001 - $15,000
2026-02-20Chuck FleischmannSale$1,001 - $15,000
2026-02-10Byron DonaldsSale (Full)$1,001 - $15,000
2026-02-10Byron DonaldsSale (Full)$1,001 - $15,000
2026-01-29Ro KhannaSale$1,001 - $15,000
2026-01-13Ro KhannaPurchase$1,001 - $15,000
2025-12-30Nancy PelosiSale (Full)$250,001 - $500,000
2025-09-29Ro KhannaPurchase$1,001 - $15,000
2025-09-23Val HoyleSale (Full)$1,001 - $15,000
2025-09-11Lisa C. McClainSale (Full)$1,001 - $15,000
2025-09-05Ro KhannaSale$1,001 - $15,000
2025-08-04Lisa C. McClainPurchase$1,001 - $15,000
2025-07-03James ComerSale (Partial)$1,001 - $15,000
2025-05-12Jefferson ShreveSale (Full)$15,001 - $50,000
2025-04-11Daniel Milton NewhouseSale (Full)$1,001 - $15,000
2025-04-08Robert P. BresnahanPurchase$1,001 - $15,000
2025-04-07Jefferson ShrevePurchase$15,001 - $50,000
2025-04-01Julie JohnsonSale (Full)$1,001 - $15,000
2025-03-20Byron DonaldsPurchase$1,001 - $15,000
2025-03-20Byron DonaldsPurchase$1,001 - $15,000
2025-03-05Jefferson ShreveSale (Full)$15,001 - $50,000
2025-03-03Josh S. GottheimerSale (Full)$1,001 - $15,000
2025-02-13Josh S. GottheimerSale (Partial)$1,001 - $15,000
2025-02-12Julie JohnsonPurchase$1,001 - $15,000
2025-02-11Julie JohnsonSale (Full)$1,001 - $15,000
2025-02-06Josh S. GottheimerSale (Partial)$1,001 - $15,000
2024-10-24Josh S. GottheimerPurchase$1,001 - $15,000
2024-09-26Josh S. GottheimerPurchase$1,001 - $15,000
2024-02-13Ro KhannaPurchase$1,001 - $15,000
2024-01-10Ro KhannaPurchase$1,001 - $15,000
2023-12-29French HillSale (Full)$15,001 - $50,000
2023-12-12Kathy E. ManningSale (Full)$15,001 - $50,000
2023-12-12Kathy E. ManningSale$1,001 - $15,000
2023-11-09Earl BlumenauerSale (Full)$1,001 - $15,000
2023-11-03Ro KhannaPurchase$1,001 - $15,000
2023-10-31Michael T. McCaulSale$100,001 - $250,000
2023-10-31Michael T. McCaulSale$50,001 - $100,000
2023-10-27Michael T. McCaulSale$15,001 - $50,000
2023-10-27Michael T. McCaulSale$50,001 - $100,000
2023-10-18Michael T. McCaulSale$1,001 - $15,000
2023-10-18Michael T. McCaulSale$15,001 - $50,000
2023-10-06Ro KhannaSale$15,001 - $50,000
2023-10-02Ro KhannaSale$1,001 - $15,000
2023-09-06Ro KhannaPurchase$1,001 - $15,000
2023-08-31Michael T. McCaulSale$15,001 - $50,000
2023-08-31Michael T. McCaulSale$15,001 - $50,000
2023-08-29Ro KhannaPurchase$1,001 - $15,000
2023-08-23Michael T. McCaulSale$15,001 - $50,000
2023-08-23Michael T. McCaulSale$50,001 - $100,000
2023-08-03Ro KhannaPurchase$1,001 - $15,000
2023-07-28Ro KhannaPurchase$1,001 - $15,000
2023-07-12Daniel GoldmanSale (Full)$1,001 - $15,000
2023-06-26Ro KhannaPurchase$1,001 - $15,000
2023-05-23Ro KhannaSale$1,001 - $15,000
2023-05-19Ro KhannaSale$50,001 - $100,000
2023-05-12Josh S. GottheimerSale (Full)$1,001 - $15,000
2023-05-10Earl BlumenauerPurchase$1,001 - $15,000
2023-05-04Ro KhannaSale$1,001 - $15,000
2023-04-28Kathy E. ManningPurchase$1,001 - $15,000
2023-04-28Kathy E. ManningPurchase$1,001 - $15,000
2023-04-03Michael T. McCaulPurchase$15,001 - $50,000
2023-04-03Michael T. McCaulPurchase$15,001 - $50,000
2023-03-24Ro KhannaSale$1,001 - $15,000
2023-03-16Josh S. GottheimerSale (Partial)$1,001 - $15,000
2023-02-14Michael T. McCaulPurchase$50,001 - $100,000
2023-02-14Michael T. McCaulPurchase$50,001 - $100,000
2023-02-10Diana HarshbargerSale$1,001 - $15,000
2023-02-03Josh S. GottheimerPurchase$1,001 - $15,000
2022-12-28Nancy PelosiSale (Partial)$250,001 - $500,000
2022-12-21Nancy PelosiSale (Partial)$250,001 - $500,000
2022-12-16Michael T. McCaulSale$1,001 - $15,000
2022-12-16Michael T. McCaulSale$1,001 - $15,000
2022-12-06Ro KhannaSale$1,001 - $15,000
2022-12-05Ro KhannaSale$1,001 - $15,000
2022-12-02Ro KhannaPurchase$15,001 - $50,000
2022-10-21Ro KhannaSale$1,001 - $15,000
2022-10-20Ro KhannaSale$15,001 - $50,000
2022-10-17James LangevinSale (Full)$1,001 - $15,000
2022-10-11Ro KhannaSale$1,001 - $15,000
2022-09-15James LangevinSale (Full)$1,001 - $15,000
2022-08-12Diana HarshbargerPurchase$1,001 - $15,000
2022-08-12Diana HarshbargerPurchase$1,001 - $15,000
2022-08-12Diana HarshbargerPurchase$1,001 - $15,000
2022-08-05Michael T. McCaulPurchase$100,001 - $250,000
2022-08-05Michael T. McCaulPurchase$100,001 - $250,000
2022-08-01Ro KhannaSale$1,001 - $15,000
2022-07-27Kathy E. ManningPurchase$1,001 - $15,000
2022-07-27Kathy E. ManningPurchase$1,001 - $15,000
2022-06-17Ro KhannaPurchase$15,001 - $50,000
2022-03-08Daniel Milton NewhousePurchase$1,001 - $15,000
2021-10-22Rick W. AllenSale (Full)$15,001 - $50,000
2021-10-22Rick W. AllenSale (Full)$1,001 - $15,000
2021-07-15Rick W. AllenPurchase$15,001 - $50,000
2021-02-10Rick W. AllenPurchase$1,001 - $15,000
2021-01-25Rick W. AllenPurchase$15,001 - $50,000
2017-01-05Thomas SuozziSale (Full)$15,001 - $50,000

Signal

Neutral signalScored 2026-10-06 Drivers: Congress, fundamentals. Insiders: neutral. Moteurs : Congrès, fondamentaux. Initiés : neutre.

PayPal presents solid financial fundamentals with strong margin expansion, robust cash flows, and a healthy balance sheet (financial score: 75/85), but the near-total absence of near-term catalysts (score: 25)…

The first sentence of the analysis written for PYPL on 2026-10-06 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.

Neutral signal Drivers: Congress, fundamentals. Insiders: neutral. Moteurs : Congrès, fondamentaux. Initiés : neutre.

Factor checklist — research, not advice

A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.

  • Insider Unavailable or mixed. – Insider: neutral. All sales (≈ $340K) were pre-planned Rule 10b5-1 trades, excluded from the score. No open-market buys or discretionary sales. – Initiés : neutre. Toutes les ventes (≈ $340K) sont sous plan 10b5-1 préétabli, exclues du score. Aucun achat ni vente discrétionnaire.
  • Congress Supports a bullish reading. 4 purchase disclosures year to date
  • Narrative Unavailable or mixed. Stored narrative reading is in the neutral band
  • Timing Unavailable or mixed. No stored price series
  • Financial indicators Supports a bullish reading. Current ratio 1.29 · operating margin 18%

Market snapshot

Financial ratios

MetricTrend2025-12-312024-12-312023-12-312022-12-312021-12-31
Gross Profit Margin46.6%46.1%46.0%50.1%55.2%
Ebit Margin20.3%18.0%19.3%13.3%17.1%
Ebitda Margin23.2%21.2%22.9%18.1%22.1%
Operating Profit Margin18.3%16.7%16.9%13.9%16.8%
Pretax Profit Margin19.0%16.8%18.2%12.2%16.2%
Continuous Operations Profit Margin15.8%13.0%14.3%8.8%16.4%
Net Profit Margin15.8%13.0%14.3%8.8%16.4%
Bottom Line Profit Margin15.8%13.0%14.3%8.8%16.4%
Current Ratio1.2871.2631.2911.2761.222
Quick Ratio1.2871.2631.2911.2761.222
Solvency Ratio0.1030.0850.0870.0640.100
Cash Ratio0.1730.1360.1870.1730.121
Price To Earnings Ratio10.69221.17915.95133.91453.121
Price To Earnings Growth Ratio0.3014.5300.191-0.830-63.391
Forward Price To Earnings Growth Ratio0.3014.5300.191-0.830-63.391
Price To Earnings Diluted Ratio10.79121.39115.99234.07753.574
Price To Earnings Diluted Growth Ratio0.3035.4760.191-0.839-94.826
Price To Book Ratio2.7644.3023.2184.05410.190
Price To Sales Ratio1.6882.7622.2752.9878.726
Price To Free Cash Flow Ratio10.06212.97816.05116.09345.284
Price To Operating Cash Flow Ratio8.72611.78913.98614.13938.191
Debt To Assets Ratio0.1250.1210.1180.1320.119
Debt To Equity Ratio0.4930.4840.4600.5140.416
Debt To Capital Ratio0.3300.3260.3150.3390.294
Long Term Debt To Capital Ratio0.3300.3260.3150.3390.270
Financial Leverage Ratio3.9583.9973.9033.8783.489
Working Capital Turnover Ratio2.5492.3712.2452.5062.297
Operating Cash Flow Ratio0.1380.1540.1000.1290.135
Operating Cash Flow Sales Ratio0.1930.2340.1630.2110.228
Free Cash Flow Operating Cash Flow Ratio0.8670.9080.8710.8790.843
Debt Service Coverage Ratio15.05014.55816.32613.2894.603
Interest Coverage Ratio13.75313.94014.49012.62218.371
Short Term Operating Cash Flow Coverage Ratio0.0000.0000.0000.0005.803
Operating Cash Flow Coverage Ratio0.6420.7540.5010.5580.641
Capital Expenditure Coverage Ratio7.53110.9087.7748.2346.384
Dividend Paid And Capex Coverage Ratio6.53410.9087.7748.2346.384
Dividend Payout Ratio0.0250.0000.0000.0000.000
Enterprise Value Multiple7.52713.51710.00417.01040.251

Sparkline shows each ratio oldest → newest (left → right).

How the latest year compares

For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower

MetricCurrentvs 1Y agovs 5Y avg
Gross Profit Margin 46.6% ▲0.5% ▼-2.2%
Ebit Margin 20.3% ▲2.3% ▲2.7%
Ebitda Margin 23.2% ▲2.0% ▲1.7%
Operating Profit Margin 18.3% ▲1.5% ▲1.8%
Pretax Profit Margin 19.0% ▲2.2% ▲2.5%
Continuous Operations Profit Margin 15.8% ▲2.7% ▲2.1%
Net Profit Margin 15.8% ▲2.7% ▲2.1%
Bottom Line Profit Margin 15.8% ▲2.7% ▲2.1%
Current Ratio 1.287 ▲0.024 ▲0.019
Quick Ratio 1.287 ▲0.024 ▲0.019
Solvency Ratio 0.103 ▲0.019 ▲0.015
Cash Ratio 0.173 ▲0.038 ▲0.015
Price To Earnings Ratio 10.692 ▼-10.486 ▼-16.279
Price To Earnings Growth Ratio 0.301 ▼-4.229 ▲12.141
Forward Price To Earnings Growth Ratio 0.301 ▼-4.229 ▲12.141
Price To Earnings Diluted Ratio 10.791 ▼-10.600 ▼-16.374
Price To Earnings Diluted Growth Ratio 0.303 ▼-5.173 ▲18.242
Price To Book Ratio 2.764 ▼-1.538 ▼-2.141
Price To Sales Ratio 1.688 ▼-1.074 ▼-2.000
Price To Free Cash Flow Ratio 10.062 ▼-2.916 ▼-10.031
Price To Operating Cash Flow Ratio 8.726 ▼-3.062 ▼-8.640
Debt To Assets Ratio 0.125 ▲0.004 ▲0.002
Debt To Equity Ratio 0.493 ▲0.009 ▲0.020
Debt To Capital Ratio 0.330 ▲0.004 ▲0.009
Long Term Debt To Capital Ratio 0.330 ▲0.004 ▲0.014
Financial Leverage Ratio 3.958 ▼-0.039 ▲0.113
Working Capital Turnover Ratio 2.549 ▲0.177 ▲0.155
Operating Cash Flow Ratio 0.138 ▼-0.016 ▲0.007
Operating Cash Flow Sales Ratio 0.193 ▼-0.041 ▼-0.013
Free Cash Flow Operating Cash Flow Ratio 0.867 ▼-0.041 ▼-0.007
Debt Service Coverage Ratio 15.050 ▲0.492 ▲2.285
Interest Coverage Ratio 13.753 ▼-0.187 ▼-0.882
Short Term Operating Cash Flow Coverage Ratio 0.000 0.000 ▼-1.161
Operating Cash Flow Coverage Ratio 0.642 ▼-0.112 ▲0.023
Capital Expenditure Coverage Ratio 7.530 ▼-3.377 ▼-0.635
Dividend Paid And Capex Coverage Ratio 6.534 ▼-4.374 ▼-1.433
Dividend Payout Ratio 0.025 ▲0.025 ▲0.020
Enterprise Value Multiple 7.527 ▼-5.990 ▼-10.135

Key metrics

MetricTrend20252024202320222021
Market cap$55.99B$87.83B$67.74B$82.19B$221.39B
Enterprise value$57.92B$91.14B$68.33B$84.83B$225.24B
EV / Sales1.75x2.87x2.29x3.08x8.88x
EV / Op. cash flow9.03x12.23x14.11x14.59x38.85x
EV / Free cash flow10.41x13.47x16.19x16.61x46.07x
EV / EBITDA7.53x13.52x10.00x17.01x40.25x
Net debt / EBITDA0.25x0.49x0.09x0.53x0.69x
Current ratio1.29x1.26x1.29x1.28x1.22x
Income quality1.23x1.80x1.14x2.40x1.39x
Graham number$51$42$41$29$38
Graham net-net-$14-$16-$11-$12-$11
Tax burden83.2%77.8%78.5%71.9%101.7%
Interest burden93.5%93.3%94.0%91.7%94.6%
Working capital$13.32B$12.72B$14.10B$12.42B$9.54B
Invested capital$26.09B$25.39B$27.15B$26.14B$24.24B
Return on assets6.5%5.1%5.2%3.1%5.5%
Operating ROA7.5%6.5%6.3%5.0%5.8%
Return on tangible assets7.6%5.9%6.0%3.6%6.6%
Return on equity25.8%20.3%20.2%11.9%19.2%
Return on invested capital15.0%12.5%11.7%8.2%12.6%
Return on capital employed18.0%16.0%14.9%11.4%13.0%
Earnings yield9.3%4.7%6.3%2.9%1.9%
Free cash flow yield9.9%7.7%6.2%6.2%2.2%
Capex / Op. cash flow13.3%9.2%12.9%12.1%15.7%
Capex / Depreciation88.5%66.2%58.1%53.6%71.8%
Capex / Sales2.6%2.1%2.1%2.6%3.6%
SG&A / Sales12.8%13.0%13.0%15.8%18.0%
R&D / Sales9.4%9.4%10.0%11.8%12.0%
Stock comp / Sales3.0%3.9%5.0%4.6%5.4%
Intangibles / Total assets13.8%13.7%14.1%15.3%16.9%
Days sales outstanding523d524d564d592d601d
Days payables outstanding5d850d956d1066d1253d
Operating cycle523d524d564d592d601d
Cash conversion cycle518d-326d-392d-474d-651d

Change by theme

Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.

Change over 1 year

Valuation
Market cap ▼-36.3%EV / Sales ▼-39.1%EV / EBITDA ▼-44.3%EV / Op. cash flow ▼-3.206Earnings yield ▲+0.046Graham number ▲+8.507
Profitability
Return on equity ▲+0.055Return on assets ▲+0.014Return on invested capital ▲+0.025Return on capital employed ▲+0.020Operating ROA ▲+0.010Income quality ▼-0.570Tax burden ▲+0.053
Efficiency
Days sales outstanding ▼-0.888Days payables outstanding ▼-844.739Operating cycle ▼-0.888Cash conversion cycle ▲+843.851Capex / Sales ▲+0.004R&D / Sales -0.000
Balance-sheet strength
Current ratio ▲+0.024Net debt / EBITDA ▼-0.240Working capital ▲+600000000.000Invested capital ▲+701000000.000Intangibles / Total assets ▲+0.001

Change over 5 years

Valuation
Market cap ▼-74.7%EV / Sales ▼-80.3%EV / EBITDA ▼-81.3%EV / Op. cash flow ▼-29.827Earnings yield ▲+0.075Graham number ▲+12.471
Profitability
Return on equity ▲+0.066Return on assets ▲+0.010Return on invested capital ▲+0.023Return on capital employed ▲+0.050Operating ROA ▲+0.017Income quality ▼-0.164Tax burden ▼-0.185
Efficiency
Days sales outstanding ▼-78.404Days payables outstanding ▼-1247.701Operating cycle ▼-78.404Cash conversion cycle ▲+1169.297Capex / Sales ▼-0.010R&D / Sales ▼-0.026
Balance-sheet strength
Current ratio ▲+0.065Net debt / EBITDA ▼-0.436Working capital ▲+3771000000.000Invested capital ▲+1848000000.000Intangibles / Total assets ▼-0.031

Employee count

Peer market caps

Recent news