PayPal Holdings, Inc.
PYPL Information Technology · Software & IT ServicesEach grade is a single reported quarter's assessment, never an average — a card shows the grade at the newest quarter in view, so it follows the period and range controls above. Latest scored quarter: 2026-06-30.
▼−24 over range · as of 2026-06-30
Revenue +4.8% YoY, earnings -12.5% YoY · sector avg 82
▲+8 over range · as of 2026-06-30
12.7% net margin, 25% return on equity, 19% free-cash-flow margin, profitable in 8 of last 8 quarters · sector avg 52
0 over range · as of 2026-06-30
Net debt 0.6x EBITDA, 11x interest coverage, 1.3x current ratio · sector avg 63
Latest quarter · ending 2026-06-30 · green = improving · click a row to chart it
Revenue $8.7B +3.9% Gross margin — — Operating margin 16.4% −1.4pp Net margin 12.7% −0.6pp Net income $1.1B −0.8%Filings
21-09 → 26-06 · following the period bar 4 match| Year | Q1 | Q2 | Q3 | FY |
|---|---|---|---|---|
| 2026 | 10-Q Q1 2026 | no filing | no filing | no filing |
| 2025 | 10-Q Q1 2025 | 10-Q Q2 2025 | 10-Q Q3 2025 | 10-K FY 2025 |
| 2024 | 10-Q Q1 2024 | 10-Q Q2 2024 | 10-Q Q3 2024 | 10-K FY 2024 |
| 2023 | 10-Q Q1 2023 | 10-Q Q2 2023 | 10-Q Q3 2023 | 10-K FY 2023 |
| 2022 | 10-Q Q1 2022 | 10-Q Q2 2022 | 10-Q Q3 2022 | 10-K FY 2022 |
| 2021 | no filing | no filing | 10-Q Q3 2021 | 10-K FY 2021 |
Filing-level fact detail is a Pro feature. The grades and figures above are free. See Pro plans
Trends
| Period | Period end | Revenue |
|---|---|---|
| 21-09 | 2021-09-30 | $6.2B |
| 21-12 | 2021-12-31 | $6.9B |
| 22-03 | 2022-03-31 | $6.5B |
| 22-06 | 2022-06-30 | $6.8B |
| 22-09 | 2022-09-30 | $6.8B |
| 22-12 | 2022-12-31 | $7.4B |
| 23-03 | 2023-03-31 | $7.0B |
| 23-06 | 2023-06-30 | $7.3B |
| 23-09 | 2023-09-30 | $7.4B |
| 23-12 | 2023-12-31 | $8.0B |
| 24-03 | 2024-03-31 | $7.7B |
| 24-06 | 2024-06-30 | $7.9B |
| 24-09 | 2024-09-30 | $7.8B |
| 24-12 | 2024-12-31 | $8.4B |
| 25-03 | 2025-03-31 | $7.8B |
| 25-06 | 2025-06-30 | $8.3B |
| 25-09 | 2025-09-30 | $8.4B |
| 25-12 | 2025-12-31 | $8.7B |
| 26-03 | 2026-03-31 | $8.4B |
| 26-06 | 2026-06-30 | $8.7B |
| Period | Period end | Net income |
|---|---|---|
| 21-09 | 2021-09-30 | $1.1B |
| 21-12 | 2021-12-31 | $801.0M |
| 22-03 | 2022-03-31 | $509.0M |
| 22-06 | 2022-06-30 | -$341.0M |
| 22-09 | 2022-09-30 | $1.3B |
| 22-12 | 2022-12-31 | $921.0M |
| 23-03 | 2023-03-31 | $795.0M |
| 23-06 | 2023-06-30 | $1.0B |
| 23-09 | 2023-09-30 | $1.0B |
| 23-12 | 2023-12-31 | $1.4B |
| 24-03 | 2024-03-31 | $888.0M |
| 24-06 | 2024-06-30 | $1.1B |
| 24-09 | 2024-09-30 | $1.0B |
| 24-12 | 2024-12-31 | $1.1B |
| 25-03 | 2025-03-31 | $1.3B |
| 25-06 | 2025-06-30 | $1.3B |
| 25-09 | 2025-09-30 | $1.2B |
| 25-12 | 2025-12-31 | $1.4B |
| 26-03 | 2026-03-31 | $1.1B |
| 26-06 | 2026-06-30 | $1.1B |
| Period | Period end | Operating income |
|---|---|---|
| 21-09 | 2021-09-30 | $1.0B |
| 21-12 | 2021-12-31 | $1.1B |
| 22-03 | 2022-03-31 | $711.0M |
| 22-06 | 2022-06-30 | $764.0M |
| 22-09 | 2022-09-30 | $1.1B |
| 22-12 | 2022-12-31 | $1.2B |
| 23-03 | 2023-03-31 | $999.0M |
| 23-06 | 2023-06-30 | $1.1B |
| 23-09 | 2023-09-30 | $1.2B |
| 23-12 | 2023-12-31 | $1.7B |
| 24-03 | 2024-03-31 | $1.2B |
| 24-06 | 2024-06-30 | $1.3B |
| 24-09 | 2024-09-30 | $1.4B |
| 24-12 | 2024-12-31 | $1.4B |
| 25-03 | 2025-03-31 | $1.5B |
| 25-06 | 2025-06-30 | $1.5B |
| 25-09 | 2025-09-30 | $1.5B |
| 25-12 | 2025-12-31 | $1.5B |
| 26-03 | 2026-03-31 | $1.5B |
| 26-06 | 2026-06-30 | $1.4B |
Grade history
Point-in-time: each period shows the grade of the quarter it ends at — grades are never summed or averaged across a window.
Hover to read every grade at a period · shared with the trends chart · axis fixed 0–100
| Period | Period end | Growth | Quality | Safety |
|---|---|---|---|---|
| 21-09 | 2021-09-30 | not scored | not scored | not scored |
| 21-12 | 2021-12-31 | not scored | not scored | not scored |
| 22-03 | 2022-03-31 | not scored | not scored | not scored |
| 22-06 | 2022-06-30 | not scored | not scored | not scored |
| 22-09 | 2022-09-30 | not scored | not scored | not scored |
| 22-12 | 2022-12-31 | not scored | not scored | not scored |
| 23-03 | 2023-03-31 | not scored | not scored | not scored |
| 23-06 | 2023-06-30 | not scored | not scored | not scored |
| 23-09 | 2023-09-30 | 40 | 36 | 50 |
| 23-12 | 2023-12-31 | 66 | 39 | 60 |
| 24-03 | 2024-03-31 | 55 | 37 | 58 |
| 24-06 | 2024-06-30 | 49 | 52 | 58 |
| 24-09 | 2024-09-30 | 36 | 51 | 55 |
| 24-12 | 2024-12-31 | 25 | 50 | 52 |
| 25-03 | 2025-03-31 | 48 | 51 | 54 |
| 25-06 | 2025-06-30 | 32 | 51 | 55 |
| 25-09 | 2025-09-30 | 43 | 48 | 55 |
| 25-12 | 2025-12-31 | 34 | 48 | 55 |
| 26-03 | 2026-03-31 | 17 | 44 | 50 |
| 26-06 | 2026-06-30 | 16 | 44 | 50 |