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 invested capital
PayPal Holdings, Inc.'s return on invested capital over the twelve months to 30 June 2026 was 16.9%, down 2.2 percentage points from fiscal 2025 (19.1%). Over the past ten years it has ranged from 8.82% (fiscal 2015) to 21.9% (fiscal 2018); the current reading is higher than 91% of that period. That is above the Credit Services industry median of 4.09% and above the Financial sector median of 4.85%.
Return on invested capital, annual
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Annual newest first
| Period | Return on invested capital | Change (points) |
|---|---|---|
| FY2025 | 19.1% | 1.94 |
| FY2024 | 17.2% | (1.67) |
| FY2023 | 18.9% | 6.75 |
| FY2022 | 12.1% | (1.04) |
| FY2021 | 13.1% | 0.23 |
| FY2020 | 12.9% | (2.35) |
| FY2019 | 15.3% | (6.59) |
| FY2018 | 21.9% | 8.94 |
| FY2017 | 12.9% | 2.73 |
| FY2016 | 10.2% | 1.36 |
Against its own ten years
Return on invested capital against peers
| Company | Return on invested capital |
|---|---|
| AXP American Express Company compare | 20.0% |
| PYPL PayPal Holdings, Inc. | 16.9% |
| SYF Synchrony Financial compare | 16.8% |
| FCFS FirstCash Holdings, Inc. compare | 8.97% |
| COF Capital One Financial Corporation compare | 7.92% |
| ALLY Ally Financial Inc. compare | 4.64% |
| SOFI SoFi Technologies, Inc. compare | 4.26% |
| OMF OneMain Holdings, Inc. compare | 2.45% |
| AFRM Affirm Holdings, Inc. compare | 2.16% |
| Credit Services industry median | 4.09% |
| Financial sector median | 4.85% |
| Market median | 0.00% |
What Return on invested capital is
Return on Invested Capital shows how much after-tax operating profit a company earns on the money its lenders and shareholders have put in.
TTM: (Operating Income × 0.625) ÷ (Shareholders Equity (Total) (latest quarter) + Long Term Debt (Total) (latest quarter) + Current Part of Debt (latest quarter) − Cash & Short Term Investments (latest quarter)); Annual: (Operating Income × 0.625) ÷ (Shareholders Equity (Total) + Long Term Debt (Total) + Current Part of Debt − Cash & Short Term Investments)
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 equity
- Return on assets
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement