PayPal Holdings

PYPL

Financial - Credit Services · Financial Services

Price

$61.55

-0.75 (-1.20%)

Market Cap

$52.65B

Exchange

NASDAQ

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Quality

Strong

Growth

Good

Cash Flow

Exceptional

Stability

Strong

Valuation

Strong

Dividends

Weak

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Share count falling — buybacks

−18.4% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 1.19B (2021) → 968.0M (2025)

Winston Score History

The full picture

PayPal is a digital payments company that lets people send money, shop online, and pay bills without using cash or a physical card. Its main products include the PayPal wallet, Venmo (a popular peer-to-peer payment app), and Braintree, which helps businesses accept payments on their websites and apps. PayPal serves hundreds of millions of consumers and millions of merchants worldwide, making it one of the largest digital payments networks on the planet.

PayPal earns money primarily by taking a small fee on each transaction processed through its platform, plus fees from currency conversions and merchant services. It operates globally, with significant revenue from the US and Europe, and reported roughly $31 billion in annual revenue in fiscal 2024. Its large installed user base and brand recognition give it a network-effect advantage, but it faces intense competition from Apple Pay, Google Pay, Block, and traditional card networks — and growing that merchant base while defending market share remains its central challenge.

Politician Trades

43 trades / 12mo

23 Congressional buys and 20 sells on PYPL in the last 12 months.

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Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+4.8% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

-3.1% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$3.1B/ year

→ Flat (+4% vs prior year)

9.4% of revenue

In line with sector average (7%)

Steady R&D investment year-over-year

Insider Activity

0.1%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$15.3B cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

PayPal Holdings is growing revenue at 5% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Profit per sale

Gross Margin

44.9%

Healthy — 44.9% gross margin

Profit after running costs

Operating Margin

21.8%

Excellent — 21.8% operating margin

Return on the money invested

ROCE

19.3%

Strong — 19.3% return on capital

ROIC between 15% and 25%. Every dollar invested in the business earns 15 to 25 cents back per year.

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Growth

Sales growth

Sales YoY

+5.7%

Slow sales growth (+5.7% YoY)

Profit growth

EPS YoY

+12.7%

Earnings growing (+12.7% YoY)

Healthy double-digit earnings growth — what compounders look like.

How steady the profit is

EPS Consistency

5/8 quarters

Mixed — about half the quarters showed growth

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Cash Flow

Profit that turns into cash

Cash Conversion

152%

Turns 152% of profit into real cash

Spare cash per sale

FCF Margin

19.3%

Converts sales into free cash efficiently (19.3%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

What it owes vs what it owns

Debt / Equity

0.68

Moderate — manageable debt (0.68)

Covers its interest

Interest Cover

28.61x

Comfortably covers interest (28.6x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

Price vs profit

P/E Ratio (TTM)

11.5x

Attractive valuation — P/E 11.5

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

+2.4

GROWING

Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend

Dividend Yield

0.73%

Small dividend — 0.73% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record

Dividend Growth

N/A

—

Data not available

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