PayPal Holdings, Inc.

PYPL

PayPal Holdings, Inc. operates a technology platform that enables digital payments on behalf of merchants and consumers worldwide. It provides payment solutions under the PayPal, PayPal Credit, Braintree, Venmo, Xoom, Zettle, Hyperwallet, Honey, and Paidy names. The company's payments platform allows consumers to send and receive payments in approximately 200 markets and in approximately 100 currencies, withdraw funds to their bank accounts in 56 currencies, and hold balances in their PayPal accounts in 25 currencies. PayPal Holdings, Inc. was founded in 1998 and is headquartered in San Jose, California.

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📊 Valuation

Key valuation metrics

EV/EBITDA (TTM)

Enterprise Value, EBITDA and Ratio

EV/EBIT (TTM)

Enterprise Value, EBIT and Ratio

P/E Ratio (TTM)

Market Cap, Net Income and Ratio

P/B Ratio (Quarterly)

Market Cap, Book Value and Ratio

P/TBV - Price to Tangible Book Value (Quarterly)

Market Cap, Tangible Book Value and Ratio

Price / OCF (TTM)

Market Cap, Operating Cash Flow and Ratio

📈 Growth

Revenue, earnings, and per-share growth metrics

Revenue (Quarterly)

Quarterly Revenue

Net Income (Quarterly)

Quarterly Net Income

EPS (Quarterly)

Earnings Per Share

FCF/Share (Quarterly)

Free Cash Flow Per Share

BVPS Growth YoY

(BVPS_current / BVPS_1y_ago) - 1

TBVPS Growth YoY

(TBVPS_current / TBVPS_1y_ago) - 1

💰 Profitability

Profit margins and return on equity

Operating Margin (TTM)

Revenue, Operating Income and Operating Margin

Net Profit Margin (TTM)

Revenue, Net Income and Net Profit Margin

ROE (TTM)

Equity, Net Income and Return on Equity

ROA (TTM)

Assets, Net Income and Return on Assets

ROTCE - Return on Tangible Common Equity (TTM)

Net Income, Tangible Common Equity and ROTCE

💵 Cash Quality

Cash flow quality and conversion metrics

OCF/NI Ratio (TTM)

Operating Cash Flow, Net Income and Ratio

OCF-to-Debt - Operating Cash Flow to Debt Ratio (TTM)

Operating Cash Flow, Total Debt and Ratio

OCF-to-Assets - Operating Cash Flow to Assets Ratio (TTM)

Operating Cash Flow, Total Assets and Ratio

🛡️ Leverage & Liquidity

Debt, liquidity, and financial health

Debt/Equity (quarterly)

Total Debt, Total Equity and Debt/Equity Ratio

Altman Z-Score

Financial Distress Prediction Model

Debt-to-Assets Ratio (MRQ)

Total Debt, Total Assets and Debt-to-Assets Ratio

Liquidity-to-Assets Ratio (MRQ)

Current Assets, Total Assets and Liquidity-to-Assets Ratio

⚙️ Ops & Cap Efficiency

Asset utilization, working capital, ROIC, and capital efficiency

ROIC (TTM)

NOPAT, Invested Capital and Return on Invested Capital

Asset Turnover (TTM)

Revenue, Total Assets and Turnover Ratio

SG&A/Revenue - SG&A Efficiency (TTM)

SG&A Expenses, Revenue and Ratio

Operating Expense Ratio (TTM)

Operating Expenses, Revenue and Ratio

Cost-to-Income Ratio (TTM)

Operating Expenses, Operating Income and Ratio

Revenue per Employee (Quarterly)

Revenue and Revenue per Employee

🎁 Shareholder Returns

Dividends, share buybacks, dilution, and insider trading activity

Dividend Yield (TTM)

Dividend Per Share, Share Price and Dividend Yield

Buyback Yield (TTM)

Net Buyback and Buyback Yield

TSR - Total Shareholder Return (1Y)

(Price_end + Dividends_TTM) / Price_start - 1

Dividend Growth CAGR (3Y)

(Dividend_end / Dividend_start)^(1/3) - 1

Profit Waterfall Analysis

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Profitability Margins

Operating Income Margini

19.10%

Operating Income = $1.51B

Revenue = $8.68B

Pre-tax Profit Margini

18.58%

Income Before Tax = $1.63B

Revenue = $8.68B

Net Profit Margini

16.41%

Net Income = $1.44B

Revenue = $8.68B

Tax Metrics

Effective Tax Ratei

11.68%

Income Tax Expense = $0.19B

Income Before Tax = $1.63B

Cash Tax Rate (TTM)i

17.47%

Income Taxes Paid = $1.10B

Income Before Tax = $6.29B

Financial Sector PPNR Metrics

PPNRi

$6.65B

PPNR = Net Interest Income + Non-Interest Income - Non-Interest Expense

net interest income: $0.01B | non interest income: $8.64B | non interest expense: $2.00B

PPNR Margini

75.93%

PPNR = $6.65B

Revenue = $8.68B

PPNR / Avg Assetsi

8.22%

PPNR ROA = PPNR / Avg Total Assets

ppnr: $6.65B | avg total assets: $80.89B

Cost Efficiency Metrics

Efficiency Ratioi

23.02%

Non-Interest Expense = $2.00B

Revenue = $8.68B

Cost-to-Incomei

29.08%

Operating Expenses = $2.52B

Revenue = $8.68B

Cost-to-Assetsi

3.12%

Operating Expenses = $2.52B

Avg Total Assets = $80.89B

Operating Leverage Metrics

Operating JAWSi

2.54%

Revenue Growth = 3.71%

Expense Growth = 1.16%

Operating Margin Expansioni

0.19pp

Current Operating Margin = 17.42%

Prior Operating Margin = 17.22%

Earnings Quality Metrics

Earnings Qualityi

1.66x

Operating Cash Flow = $2.38B

Net Income = $1.44B

Accruals / Avg Assetsi

-1.17%

Accruals / Avg Assets = (Net Income - OCF) / Avg Total Assets

net income: $1.44B | operating cash flow: $2.38B | avg total assets: $80.89B

Volatility Metrics

PPNR Volatilityi

0.07x

Core Revenue Volatilityi

0.04x

Employee Productivity Metrics

Revenue per Employeei

N/A

Revenue per Employee = Revenue (TTM) / Employee Count

revenue TTM: $33.25B | employee count: N/A

OpEx per Employeei

N/A

OpEx per Employee = Operating Expenses (TTM) / Employee Count

operating expenses TTM: $8.87B | employee count: N/A

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Capital Adequacy

Tangible Common Equity (TCE)i

$9.18B

Tangible Assets (TA)i

$69.10B

TCE / TA Ratioi

13.29%

✅ Healthy

TCE = $9.18B

TA = $69.10B

Leverage

Equity / Assets (E/A)i

25.27%

Total Equity = $20.26B

Total Assets = $80.17B

Assets / Equity (A/E)i

3.96x

Total Assets = $80.17B

Total Equity = $20.26B

Capital Quality

AOCI / TCEi

-7.16%

✅ Healthy

AOCI = $-0.66B

TCE = $9.18B

(Goodwill + Intangibles) / Equityi

54.66%

⚠️ Warning

GW+Intangibles = $11.07B

Total Equity = $20.26B

Liquidity

Liquidity Buffer (HQLA proxy)i

13.00%

⚠️ Warning

Cash+ST Inv = $10.42B

Total Assets = $80.17B

Funding Structure

Wholesale Funding Ratio (Core)i

16.67%

✅ Healthy

ST+LT Debt = $9.99B

Total Liabilities = $59.92B

Securities / Assetsi

8.36%

✅ Healthy

ST+LT Inv = $6.70B

Total Assets = $80.17B

Risk-Adjusted

Risk-Adjusted TCE (ATCE)i

$8.53B

ATCE / TAi

12.34%

TCE ATCE = $8.53B

TA = $69.10B

ATCE Scissor Spreadi

95 bps

✅ Healthy

TCE/TA = 1329.00%

ATCE/TA = 1234.00%

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Cash Flow Waterfall Chart

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Inflow

Outflow

Subtotal

Start/End

Cash Generation Capability

Earnings Cash Contenti

1.23x

TTM Operating Cash Flow = $6.42B

TTM Net Income = $5.23B

Cash Flow ROA (CFROA)i

8.02%

TTM Operating Cash Flow = $6.42B

Average Total Assets = $79.99B

Liquidity / Solvency

Cash Flow Adequacyi

2.93x

TTM Operating Cash Flow = $6.42B

CapEx + 债务偿还 + 分红 CapEx + Debt Repayment + Dividends = $2.19B

OCF / Short-Term Debti

N/A

TTM Operating Cash Flow = $6.42B

Short-Term Debt = $0.00B

Sustainability / Stability

OCF Growth Rate (YoY)i

-0.42%

Current Quarter OCF = $2.38B

Same Quarter Last Year OCF = $2.39B

OCF Volatility (CV)i

0.48x

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📊 Valuation

Key valuation metrics

EV/EBITDA (TTM)

Enterprise Value, EBITDA and Ratio

EV/EBIT (TTM)

Enterprise Value, EBIT and Ratio

P/E Ratio (TTM)

Market Cap, Net Income and Ratio

P/B Ratio (Quarterly)

Market Cap, Book Value and Ratio

P/TBV - Price to Tangible Book Value (Quarterly)

Market Cap, Tangible Book Value and Ratio

Price / OCF (TTM)

Market Cap, Operating Cash Flow and Ratio

📈 Growth

Revenue, earnings, and per-share growth metrics

Revenue (Quarterly)

Quarterly Revenue

Net Income (Quarterly)

Quarterly Net Income

EPS (Quarterly)

Earnings Per Share

FCF/Share (Quarterly)

Free Cash Flow Per Share

BVPS Growth YoY

(BVPS_current / BVPS_1y_ago) - 1

TBVPS Growth YoY

(TBVPS_current / TBVPS_1y_ago) - 1

💰 Profitability

Profit margins and return on equity

Operating Margin (TTM)

Revenue, Operating Income and Operating Margin

Net Profit Margin (TTM)

Revenue, Net Income and Net Profit Margin

ROE (TTM)

Equity, Net Income and Return on Equity

ROA (TTM)

Assets, Net Income and Return on Assets

ROTCE - Return on Tangible Common Equity (TTM)

Net Income, Tangible Common Equity and ROTCE

💵 Cash Quality

Cash flow quality and conversion metrics

OCF/NI Ratio (TTM)

Operating Cash Flow, Net Income and Ratio

OCF-to-Debt - Operating Cash Flow to Debt Ratio (TTM)

Operating Cash Flow, Total Debt and Ratio

OCF-to-Assets - Operating Cash Flow to Assets Ratio (TTM)

Operating Cash Flow, Total Assets and Ratio

🛡️ Leverage & Liquidity

Debt, liquidity, and financial health

Debt/Equity (quarterly)

Total Debt, Total Equity and Debt/Equity Ratio

Altman Z-Score

Financial Distress Prediction Model

Debt-to-Assets Ratio (MRQ)

Total Debt, Total Assets and Debt-to-Assets Ratio

Liquidity-to-Assets Ratio (MRQ)

Current Assets, Total Assets and Liquidity-to-Assets Ratio

⚙️ Ops & Cap Efficiency

Asset utilization, working capital, ROIC, and capital efficiency

ROIC (TTM)

NOPAT, Invested Capital and Return on Invested Capital

Asset Turnover (TTM)

Revenue, Total Assets and Turnover Ratio

SG&A/Revenue - SG&A Efficiency (TTM)

SG&A Expenses, Revenue and Ratio

Operating Expense Ratio (TTM)

Operating Expenses, Revenue and Ratio

Cost-to-Income Ratio (TTM)

Operating Expenses, Operating Income and Ratio

Revenue per Employee (Quarterly)

Revenue and Revenue per Employee

🎁 Shareholder Returns

Dividends, share buybacks, dilution, and insider trading activity

Dividend Yield (TTM)

Dividend Per Share, Share Price and Dividend Yield

Buyback Yield (TTM)

Net Buyback and Buyback Yield

TSR - Total Shareholder Return (1Y)

(Price_end + Dividends_TTM) / Price_start - 1

Dividend Growth CAGR (3Y)

(Dividend_end / Dividend_start)^(1/3) - 1

Profitability Margins

Operating Income Margini

19.10%

Operating Income = $1.51B

Revenue = $8.68B

Pre-tax Profit Margini

18.58%

Income Before Tax = $1.63B

Revenue = $8.68B

Net Profit Margini

16.41%

Net Income = $1.44B

Revenue = $8.68B

Tax Metrics

Effective Tax Ratei

11.68%

Income Tax Expense = $0.19B

Income Before Tax = $1.63B

Cash Tax Rate (TTM)i

17.47%

Income Taxes Paid = $1.10B

Income Before Tax = $6.29B

Financial Sector PPNR Metrics

PPNRi

$6.65B

PPNR = Net Interest Income + Non-Interest Income - Non-Interest Expense

net interest income: $0.01B | non interest income: $8.64B | non interest expense: $2.00B

PPNR Margini

75.93%

PPNR = $6.65B

Revenue = $8.68B

PPNR / Avg Assetsi

8.22%

PPNR ROA = PPNR / Avg Total Assets

ppnr: $6.65B | avg total assets: $80.89B

Cost Efficiency Metrics

Efficiency Ratioi

23.02%

Non-Interest Expense = $2.00B

Revenue = $8.68B

Cost-to-Incomei

29.08%

Operating Expenses = $2.52B

Revenue = $8.68B

Cost-to-Assetsi

3.12%

Operating Expenses = $2.52B

Avg Total Assets = $80.89B

Operating Leverage Metrics

Operating JAWSi

2.54%

Revenue Growth = 3.71%

Expense Growth = 1.16%

Operating Margin Expansioni

0.19pp

Current Operating Margin = 17.42%

Prior Operating Margin = 17.22%

Earnings Quality Metrics

Earnings Qualityi

1.66x

Operating Cash Flow = $2.38B

Net Income = $1.44B

Accruals / Avg Assetsi

-1.17%

Accruals / Avg Assets = (Net Income - OCF) / Avg Total Assets

net income: $1.44B | operating cash flow: $2.38B | avg total assets: $80.89B

Volatility Metrics

PPNR Volatilityi

0.07x

Core Revenue Volatilityi

0.04x

Employee Productivity Metrics

Revenue per Employeei

N/A

Revenue per Employee = Revenue (TTM) / Employee Count

revenue TTM: $33.25B | employee count: N/A

OpEx per Employeei

N/A

OpEx per Employee = Operating Expenses (TTM) / Employee Count

operating expenses TTM: $8.87B | employee count: N/A

Capital Adequacy

Tangible Common Equity (TCE)i

$9.18B

Tangible Assets (TA)i

$69.10B

TCE / TA Ratioi

13.29%

✅ Healthy

TCE = $9.18B

TA = $69.10B

Leverage

Equity / Assets (E/A)i

25.27%

Total Equity = $20.26B

Total Assets = $80.17B

Assets / Equity (A/E)i

3.96x

Total Assets = $80.17B

Total Equity = $20.26B

Capital Quality

AOCI / TCEi

-7.16%

✅ Healthy

AOCI = $-0.66B

TCE = $9.18B

(Goodwill + Intangibles) / Equityi

54.66%

⚠️ Warning

GW+Intangibles = $11.07B

Total Equity = $20.26B

Liquidity

Liquidity Buffer (HQLA proxy)i

13.00%

⚠️ Warning

Cash+ST Inv = $10.42B

Total Assets = $80.17B

Funding Structure

Wholesale Funding Ratio (Core)i

16.67%

✅ Healthy

ST+LT Debt = $9.99B

Total Liabilities = $59.92B

Securities / Assetsi

8.36%

✅ Healthy

ST+LT Inv = $6.70B

Total Assets = $80.17B

Risk-Adjusted

Risk-Adjusted TCE (ATCE)i

$8.53B

ATCE / TAi

12.34%

TCE ATCE = $8.53B

TA = $69.10B

ATCE Scissor Spreadi

95 bps

✅ Healthy

TCE/TA = 1329.00%

ATCE/TA = 1234.00%

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PayPal Holdings, Inc.

🔍 Business Model Analysis (DuPont Model)

Financial Metrics

📊 Valuation

EV/EBITDA (TTM)

EV/EBIT (TTM)

P/E Ratio (TTM)

P/B Ratio (Quarterly)

P/TBV - Price to Tangible Book Value (Quarterly)

Price / OCF (TTM)

📈 Growth

Revenue (Quarterly)

Net Income (Quarterly)

EPS (Quarterly)

FCF/Share (Quarterly)

BVPS Growth YoY

TBVPS Growth YoY

💰 Profitability

Operating Margin (TTM)

Net Profit Margin (TTM)

ROE (TTM)

ROA (TTM)

ROTCE - Return on Tangible Common Equity (TTM)

💵 Cash Quality

OCF/NI Ratio (TTM)

OCF-to-Debt - Operating Cash Flow to Debt Ratio (TTM)

OCF-to-Assets - Operating Cash Flow to Assets Ratio (TTM)

🛡️ Leverage & Liquidity

Debt/Equity (quarterly)

Altman Z-Score

Debt-to-Assets Ratio (MRQ)

Liquidity-to-Assets Ratio (MRQ)

⚙️ Ops & Cap Efficiency

ROIC (TTM)

Asset Turnover (TTM)

SG&A/Revenue - SG&A Efficiency (TTM)

Operating Expense Ratio (TTM)

Cost-to-Income Ratio (TTM)

Revenue per Employee (Quarterly)

🎁 Shareholder Returns

Dividend Yield (TTM)

Buyback Yield (TTM)

TSR - Total Shareholder Return (1Y)

Dividend Growth CAGR (3Y)

Income Statement Analysis

Profit Waterfall Analysis

Balance Sheet Analysis

Cash Flow Statement Analysis

📊 Valuation

EV/EBITDA (TTM)

EV/EBIT (TTM)

P/E Ratio (TTM)

P/B Ratio (Quarterly)

P/TBV - Price to Tangible Book Value (Quarterly)

Price / OCF (TTM)

📈 Growth

Revenue (Quarterly)

Net Income (Quarterly)

EPS (Quarterly)

FCF/Share (Quarterly)

BVPS Growth YoY

TBVPS Growth YoY

💰 Profitability

Operating Margin (TTM)

Net Profit Margin (TTM)

ROE (TTM)

ROA (TTM)

ROTCE - Return on Tangible Common Equity (TTM)

💵 Cash Quality

OCF/NI Ratio (TTM)

OCF-to-Debt - Operating Cash Flow to Debt Ratio (TTM)

OCF-to-Assets - Operating Cash Flow to Assets Ratio (TTM)

🛡️ Leverage & Liquidity

Debt/Equity (quarterly)

Altman Z-Score

Debt-to-Assets Ratio (MRQ)

Liquidity-to-Assets Ratio (MRQ)

⚙️ Ops & Cap Efficiency

ROIC (TTM)