PayPal Holdings, Inc. PYPL
55.04
2.44
4.64%
as of 25 Sep
- Market cap
- $45.0B
- P/E
- 10.3×
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PayPal Holdings, Inc. (PYPL) Gross margin
PayPal Holdings, Inc.'s gross margin over the twelve months to 30 June 2026 was 40.5%, down 1.0 percentage points from fiscal 2025 (41.5%). Over the past ten years it has ranged from 39.6% (fiscal 2023) to 51.0% (fiscal 2015); the current reading is higher than 27% of that period. That is below the Credit Services industry median of 77.1% and below the Financial sector median of 69.9%.
Gross margin, annual
Annual
| Period | Gross margin | Change (points) |
|---|---|---|
| FY2025 | 41.5% | 0.94 |
| FY2024 | 40.5% | 0.95 |
| FY2023 | 39.6% | (2.76) |
| FY2022 | 42.4% | (4.64) |
| FY2021 | 47.0% | 0.37 |
| FY2020 | 46.6% | 1.68 |
| FY2019 | 44.9% | (1.59) |
| FY2018 | 46.5% | (2.34) |
| FY2017 | 48.9% | 1.45 |
| FY2016 | 47.4% | (3.61) |
Quarterly
| Period | Gross margin | Change (points) |
|---|---|---|
| Jun 2026 | 39.6% | (0.67) |
| Mar 2026 | 40.3% | (1.09) |
| Dec 2025 | 41.4% | 0.68 |
| Sep 2025 | 40.7% | (0.72) |
| 42 more quarters | Free account |
Against its own ten years
Low 39.6%
High 51.0%
Ten-year median
46.5%
Current reading's percentile
27
Gross margin against peers
| Company | Gross margin |
|---|---|
| AXP American Express Company compare | 90.3% |
| SYF Synchrony Financial compare | 83.1% |
| OMF OneMain Holdings, Inc. compare | 79.7% |
| COF Capital One Financial Corporation compare | 78.8% |
| SOFI SoFi Technologies, Inc. compare | 77.1% |
| ALLY Ally Financial Inc. compare | 61.1% |
| AFRM Affirm Holdings, Inc. compare | 57.4% |
| FCFS FirstCash Holdings, Inc. compare | 50.5% |
| PYPL PayPal Holdings, Inc. | 40.5% |
| Credit Services industry median | 77.1% |
| Financial sector median | 69.9% |
| Market median | 46.3% |
What Gross margin is
Gross Margin tells an investor how much of each sale a company keeps after paying the direct costs of making or buying what it sells.
Gross Profit ÷ Revenue
More on PYPL
- Revenue
- Net income
- EBITDA
- Free cash flow
- Operating cash flow
- Operating margin
- Net margin
- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- EV/EBITDA
- EV/Sales
- Return on equity
- Return on assets
- Return on invested capital
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- The full statement