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Nasdaq Pypl financials show a revenue growth of 28% in Q2 2022 compared to the same period in 2021.
Pypl's revenue is primarily driven by its payment processing business, which accounted for 83% of its total revenue in Q2 2022.
Analysts have mixed views on Pypl's financials, with some praising its strong revenue growth and others expressing concerns about its increasing operating expenses.
Some analysts have noted that Pypl's operating expenses have risen by 34% in Q2 2022, which may impact its profit margins in the future.
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Financials
PayPal's net sales have been steadily increasing, reaching $45.82B in 2024, up from $25.54B in 2022. This growth is a significant improvement from the previous year's sales.
The company's net income has also shown a remarkable increase, reaching $5.97B in 2024, up from $3.33B in 2022. This growth is a testament to PayPal's successful business strategies.
Here's a breakdown of PayPal's financial performance over the years:
PayPal's active accounts have also seen growth, reaching 427 million in Q1 2024, a 1 million increase from the previous quarter. This growth is a significant milestone for the company, marking the first sequential growth since late 2022.
Financials
PayPal's financials have been on the rise, with net sales reaching $33.55 billion in 2025, up from $30.77 billion in 2024. This growth is a significant increase from the previous year.
The company's net income has also seen a substantial boost, reaching $4.58 billion in 2025, up from $4.01 billion in 2024. This growth in net income is a testament to PayPal's ability to manage its finances effectively.
PayPal's net debt has been decreasing, reaching $1.88 billion in 2025, down from $2.74 billion in 2024. This reduction in debt is a positive sign for the company's financial health.
Here's a breakdown of PayPal's financial performance over the past few years:
PayPal's revenue growth has been steady, with a 4% increase in transaction profit revenue growth in Q1 2024, beating analyst expectations. This growth is a significant achievement for the company.
The company's diluted EPS has also seen a significant increase, reaching $4.19 in 2024, up from $3.35 in 2023. This growth in EPS is a testament to PayPal's ability to manage its finances effectively and deliver value to its shareholders.
PayPal's cash flow from operations has also seen a significant increase, reaching $7.7 billion in 2024, up from $3.8 billion in 2023. This growth in cash flow is a positive sign for the company's financial health.
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Share Buyback
A share buyback can have a significant impact on a company's financials. PayPal Holdings has a share repurchase program in place, which can result in a higher earnings per share as the share count drops.
This can be a strategic move for companies looking to boost their stock price. By buying back shares, PayPal Holdings can reduce the number of outstanding shares, leading to a higher earnings per share.
The scale of a buyback program can be substantial, and it's essential to consider its potential effects on the company's financials. The share buyback program at PayPal Holdings is a notable example of this strategy in action.
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Stock Performance
PYPL stock has been trading at 22.2% below its estimated fair value.
The current share price of PYPL is $87.60, which is a 1.94% decrease in the past month. This change is relatively small compared to the 10.38% increase seen over the past three months.
PYPL's 52-week high is $93.66, while its 52-week low is $55.77. This shows a significant range of price fluctuations.
Here's a breakdown of PYPL's historical stock price changes:
PYPL's beta is 1.44, indicating that its stock price is more volatile compared to the overall market.
Analysts' Views
Analysts' Views are a great way to gauge the sentiment around a stock, and in this case, PayPal's financials are no exception. Analysts have a consensus Hold rating on PayPal, with 17 Buy ratings, 21 Hold ratings, and 0 Sell ratings.
The analysts' consensus price target is $96.25, which represents an estimated upside of 8.66% from PayPal's current price of $88.58. However, some analysts have a more bearish outlook, with a lowest downside price target of $70.00, representing a 20.98% downside risk.
Here's a breakdown of the analysts' price targets:
Analysts' Opinion
PayPal Holdings has a consensus rating of Hold, based on 17 Buy ratings, 21 Hold ratings, and 0 Sell ratings from analysts. This suggests a mixed view on the company's performance.
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Analysts' price targets vary widely, with some predicting an estimated upside of 8.66% from its current price of $88.58. This is based on a consensus price target of $96.25.
However, the lowest downside price target is $70.00, representing a 20.98% downside risk from its current price. This highlights the potential risks associated with investing in PayPal Holdings.
Here's a summary of analysts' recommendations:
These varying recommendations and price targets demonstrate the complexity of analyzing PayPal Holdings' performance.
Pypl Vs. S&P
PayPal Holdings has been performing well compared to the S&P 500. Over the past 5 trading days, PYPL has overperformed the S&P 500 by 0.4%, indicating its relative strength is strong at this time.
This suggests that investors are optimistic about PayPal's future prospects, which is a positive sign for the company.
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Frequently Asked Questions
Is PYPL a buy sell or hold?
PayPal Holdings (PYPL) has a consensus rating of Moderate Buy, based on 15 buy and 14 hold ratings from Wall Street analysts.
How much debt does PYPL have?
PayPal's total debt is $12.4 billion. This significant debt load contributes to a debt-to-equity ratio of 61.6%.
What is the fair value of PayPal?
According to the Peter Lynch fair value calculation, PayPal's fair value is approximately $52.78. This value can be used as a benchmark to compare with the current market price.
Who owns the most PayPal stock?
According to current data, Vanguard holds the largest stake in PayPal Holdings. Vanguard's significant ownership of PayPal stock makes it a key player in the company's financial landscape.
Sources
- https://financhill.com/stocks/sp500/pypl/analysis
- https://simplywall.st/stocks/us/diversified-financials/nasdaq-pypl/paypal-holdings
- https://www.marketscreener.com/quote/stock/PAYPAL-HOLDINGS-INC-23377703/
- https://www.dividend.com/stocks/financials/specialty-finance/consumer-finance/pypl-paypal-holdings-inc/
- https://www.investors.com/news/technology/paypal-earnings-pop-27-paypal-stock-jumps/
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