PayPal (PYPL)
Financials · Digital payments and commerce platforms
Digital payments platform connecting 439 million consumers and merchants across ~200 markets for online and in-person transactions, money movement, and commerce.
What PayPal does
PayPal is a global two-sided payments network operating at scale with 439 million active accounts across approximately 200 markets. The company provides consumers with digital wallets (PayPal and Venmo) for online and in-person shopping, money transfers, and financial management including cryptocurrency buying and selling. For merchants, PayPal offers branded and unbranded checkout solutions, point-of-sale systems, buy now pay later offerings, business financing, and risk management tools. Revenue is generated primarily through transaction fees on payment volume processed, currency conversion, instant transfers, cryptocurrency facilitation, and value-added services including credit products, partnerships, and subscriptions.
Themes: ["Digital payments / fintech","P2P money transfer","BNPL / consumer credit","Cryptocurrency / digital assets","Merchant commerce solutions","Global cross-border payments","Omnichannel commerce (online + in-person)"]
Fundamentals
- Price$45.32 as of 2026-07-09 close
- Market cap$39.8B as of 2026-07-10
- 1-year return-39.4% as of 2026-07-09 close
- P/E7.86 as of 2026-07-10
- Net margin+15.0% as of 2026-07-10
- Gross margin+40.9% as of 2026-07-10
- ROE+25.1% as of 2026-07-10
- Debt / equity0.47 as of 2026-07-10
- Revenue growth (YoY)+5.8% as of 2026-07-10
- Revenue CAGR (3y)+6.4% SEC XBRL
- Beta1.32 as of 2026-07-10
Dividend: yield +1.3%; 1-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Regulatory and compliance risk: operating across ~200 markets with varying payment regulation and potential changes in money transmitter licensing, anti-money laundering requirements, and financial oversight that could increase costs or restrict operations","Transaction volume and competitive pressure: payment transactions decreased 4% YoY and the company faces intense competition from other digital payment platforms, which could pressure transaction growth and margins","Credit risk and fraud: growth in consumer lending products (PayPal Credit, BNPL) and cryptocurrency services exposes the company to credit losses and fraud, with transaction and credit losses totaling $378 million in Q1 2026"]
Competitors & peers
- Square/Block (SQ)
- Stripe
- Shopify Payments
- Amazon Pay
- Apple Pay
- Google Pay
- Adyen
- Affirm
- Klarna
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.