PayPal Holdings, Inc.
PYPL Financial Credit Services
PayPal Holdings, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $33.2 billion, up 4.32% from fiscal 2024. In the quarter to June 2026, revenue grew 4.75%, EPS fell 3.08%, free cash flow grew 157.7% and total debt rose 18.6%, each against the same quarter a year earlier. Member of the S&P 500 and Nasdaq 100; revenue growth for ten consecutive years; insiders bought in the last twelve months.
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PayPal Holdings, Inc. (PYPL) Operating margin
PayPal Holdings, Inc.'s operating margin over the twelve months to 30 June 2026 was 17.4%, down 0.9 percentage points from fiscal 2025 (18.3%). Over the past ten years it has ranged from 13.9% (fiscal 2022) to 18.3% (fiscal 2025) — the current reading is the highest in ten years. That is above the Credit Services industry median of 0.34% and above the Financial sector median of 0.00%.
Operating margin, annual
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Annual newest first
| Period | Operating margin | Change (points) |
|---|---|---|
| FY2025 | 18.3% | 1.53 |
| FY2024 | 16.8% | (0.14) |
| FY2023 | 16.9% | 2.95 |
| FY2022 | 13.9% | (2.86) |
| FY2021 | 16.8% | 1.47 |
| FY2020 | 15.3% | 0.03 |
| FY2019 | 15.3% | 1.10 |
| FY2018 | 14.2% | (2.04) |
| FY2017 | 16.2% | 1.61 |
| FY2016 | 14.6% | (1.17) |
Quarterly newest first
| Period | Operating margin | Change (points) |
|---|---|---|
| Jun 2026 | 16.4% | (1.37) |
| Mar 2026 | 17.8% | 0.39 |
| Dec 2025 | 17.4% | (0.64) |
| Sep 2025 | 18.1% | (0.09) |
| 42 more quarters | Free account |
Against its own ten years
Operating margin against peers
| Company | Operating margin |
|---|---|
| PYPL PayPal Holdings, Inc. | 17.4% |
| FCFS FirstCash Holdings, Inc. compare | 15.7% |
| AFRM Affirm Holdings, Inc. compare | 9.79% |
| COF Capital One Financial Corporation compare | 0.00% |
| SOFI SoFi Technologies, Inc. compare | 0.00% |
| AXP American Express Company compare | 0.00% |
| ALLY Ally Financial Inc. compare | 0.00% |
| OMF OneMain Holdings, Inc. compare | 0.00% |
| SYF Synchrony Financial compare | 0.00% |
| Credit Services industry median | 0.34% |
| Financial sector median | 0.00% |
| Market median | 0.00% |
What Operating margin is
EBIT Margin tells an investor how much operating profit, before interest and taxes, a company keeps from each unit of revenue.
EBIT ÷ Revenue
More on PYPL
- Revenue
- Net income
- EPS (diluted)
- EBITDA
- Free cash flow
- Operating cash flow
- Gross margin
- Net margin
- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- 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
- Piotroski F-score
- The full statement