PayPalPYPL

PayPalPYPL

Revenue: is the business selling more than it used to?

$33.2B+4% YoYFY 2025

→Revenue reached $33.2B in 2025, compounding +6% a year since 2022 though the pace has cooled.

Source: SEC EDGAR (XBRL company facts) · as at 2026-03-31

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Net income: how much of that revenue becomes profit?

$5.2B+26% YoYFY 2025

→Net income was $5.2B in 2025, compounding +29% a year over three years. Trailing twelve-month profit stands at $5.1B.

Source: SEC EDGAR (XBRL company facts) · as at 2026-03-31

PayPalPYPL

How fast is it growing, year by year?

+4.3%revenue growth, FY 2025

→Revenue grew +4% in 2025 against a five-year average of +9%. Earnings grew faster (+26%), so each new dollar of sales is arriving more profitably.

Source: SEC EDGAR (XBRL company facts) · as at 2026-03-31

PayPalPYPL

Revenue per share: is your slice growing as fast as the company?

$34.27revenue per share, FY 2025

→Revenue per share reached $34.27 in 2025, compounding +13% a year against +6% for PYPL as a whole. Buybacks added roughly 6.6 points to your per-share result. Free cash flow per share stands at $5.75.

Source: SEC EDGAR (XBRL company facts) · as at 2026-03-31

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Free cash flow: what is left in real cash after everything?

$5.6B−18% YoYFY 2025

→Free cash flow was $5.6B in 2025, compounding +3% a year since 2022.

Source: SEC EDGAR (XBRL company facts) · as at 2026-03-31

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How much of every sales dollar ends up as free cash?

→17 cents of every sales dollar became free cash in 2025, and it has held steady since 2022.

Source: SEC EDGAR (XBRL company facts) · as at 2026-03-31

PayPalPYPL

What does staying competitive cost, per dollar of sales?

→The biggest claim on each sales dollar is research and development, at 7% of revenue (stock compensation 3%, capital spending 3%). That share has fallen since 2015, so the cost of competing is easing.

Source: SEC EDGAR (XBRL company facts) · as at 2026-03-31

PayPalPYPL

When sales grow, do profits grow faster?

→Operating profit outgrew revenue in 3 of the last 5 years, most recently +14% against +4%. Each additional dollar of sales is landing more profitably than the last - the definition of operating leverage.

Source: SEC EDGAR (XBRL company facts) · as at 2026-03-31

PayPalPYPL

Margins: of every $1 of sales, how much survives each cost layer?

→Operating margin widened 4 points to 18% since 2022. After everything, 16 cents of each sales dollar reaches net profit. PYPL doesn't tag a gross-profit line in its filings, so the chart starts at operating margin.

Source: SEC EDGAR (XBRL company facts) · as at 2026-03-31

PayPalPYPL

What does it earn on the money it uses?

→ROE of 25% and ROCE of 18% sit close together, so the returns come from the business itself rather than from borrowing.

Source: SEC EDGAR (XBRL company facts) · as at 2026-03-31

PayPalPYPL

What has the market paid for PYPL over time?

10.5xP/E today

→At 10.5x earnings, the market is paying 72% less than PYPL's own 11-year median of 37.6x. Pessimism is priced in - the question is whether it is deserved. Today's multiple is the lowest in the charted history.

Source: SEC EDGAR (XBRL company facts) · as at 2026-03-31

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What cash return does the business throw off per dollar of market value?

11.4%FCF yield today

→Every dollar of market value currently buys 11.4% of annual free cash flow, more than its 11-year median of 4.6% - the cash is cheaper than usual.

Source: SEC EDGAR (XBRL company facts) · as at 2026-03-31

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Could it handle its debt if things went wrong?

→Debt of $9.4B sits against $7.0B of cash, or 0.5x shareholders' equity. Earnings cover the interest bill 13 times over, so the debt is comfortably serviced.

Source: SEC EDGAR (XBRL company facts) · as at 2026-03-31

PayPalPYPL

Is the company's own capital growing?

→The company's own capital shrank from $21.1B in 2023 to $20.0B (-5%). Buybacks or losses are drawing the buffer down - the distinction matters.

Source: SEC EDGAR (XBRL company facts) · as at 2026-03-31

PayPalPYPL

How much goes back, and how much leaks out as stock comp?

→Shareholders received $6.1B in buybacks and $130M in dividends in 2025. Stock compensation issued $1.0B of new shares in the same year, offsetting 16% of that.

Source: SEC EDGAR (XBRL company facts) · as at 2026-03-31

PayPalPYPL

How fast is your ownership being diluted - or concentrated?

→The share count shrank 6.8% in 2025, averaging 5.8% a year over three years. Buybacks are concentrating your ownership: the same business, split fewer ways.

Source: SEC EDGAR (XBRL company facts) · as at 2026-03-31

PayPalPYPL

Does PYPL earn more on its capital than that capital costs?

→PYPL earns 18.0% on the capital it employs, comfortably above the 10% most investors treat as the cost of capital. It was 11.4% in 2022, so the trend is up, and the pace is picking up. That is the highest in PYPL's filed history.

Source: SEC EDGAR (XBRL company facts) · as at 2026-03-31

PayPalPYPL

PYPL has issued or retired shares - did shareholders end up better off?

→PYPL has shrunk its share count -21% from 2013 to 2025, so each remaining share owns more of the business. Revenue per share is +524% over the same years.

Source: SEC EDGAR (XBRL company facts) · as at 2026-03-31

PayPalPYPL

Are the people running it buying or selling?

→Insiders bought $254,537 and sold $2M on the open market, a net sale of $1M. A further 50 filings were grants, option exercises or tax withholding, which say nothing either way.

Source: SEC EDGAR (XBRL company facts) · as at 2026-03-31