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) Return on equity
PayPal Holdings, Inc.'s return on equity over the twelve months to 30 June 2026 was 24.5%, down 1.2 percentage points from fiscal 2025 (25.7%). Over the past ten years it has ranged from 9.84% (fiscal 2016) to 25.7% (fiscal 2025) — the current reading is the highest in ten years. That is above the Credit Services industry median of 8.49% and above the Financial sector median of 8.89%.
Return on equity, annual
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Annual newest first
| Period | Return on equity | Change (points) |
|---|---|---|
| FY2025 | 25.7% | 5.73 |
| FY2024 | 20.0% | (0.55) |
| FY2023 | 20.6% | 9.03 |
| FY2022 | 11.5% | (8.43) |
| FY2021 | 20.0% | (2.77) |
| FY2020 | 22.7% | 7.50 |
| FY2019 | 15.2% | 2.11 |
| FY2018 | 13.1% | 1.42 |
| FY2017 | 11.7% | 1.85 |
| FY2016 | 9.84% | (1.32) |
Against its own ten years
Return on equity against peers
| Company | Return on equity |
|---|---|
| AFRM Affirm Holdings, Inc. compare | 45.1% |
| AXP American Express Company compare | 34.0% |
| PYPL PayPal Holdings, Inc. | 24.5% |
| OMF OneMain Holdings, Inc. compare | 23.3% |
| SYF Synchrony Financial compare | 22.2% |
| FCFS FirstCash Holdings, Inc. compare | 17.4% |
| ALLY Ally Financial Inc. compare | 10.3% |
| COF Capital One Financial Corporation compare | 9.09% |
| SOFI SoFi Technologies, Inc. compare | 7.09% |
| Credit Services industry median | 8.49% |
| Financial sector median | 8.89% |
| Market median | 1.35% |
What Return on equity is
ROE shows how much profit a company earns for its shareholders on the equity they have in the business.
Annual: Net Income Allotted to Shareholders ÷ Average Common Equity; TTM: Net Income Allotted to Shareholders ÷ Average Common Equity (latest quarter)
More on PYPL
- Revenue
- Net income
- EPS (diluted)
- EBITDA
- Free cash flow
- Operating cash flow
- Gross margin
- Operating margin
- Net margin
- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- 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