Company Dossier · Financials
PayPal
- S&P 500
- Nasdaq-100
- Russell 1000
What PayPal is doing, read from its filings, its own words and the news, with every figure dated and sourced. Not investment advice: no ratings, no price targets.
Open the full company record in Palanor: guidance, KPIs, ownership, calls, prices →
The latest read
Computed from the data on Oct 22, 2026. Every figure links back to its source in the sections below.
- Revenue over the four quarters to March 31, 2026: $33.7 billion, up 5.8% from a year earlier.SEC EDGAR filings (XBRL)
- Free cash flow (operating cash flow minus capital expenditure) over the four quarters to March 31, 2026: $5.50 billion, down 7.9% from a year earlier.SEC EDGAR filings (XBRL)
- Capital expenditure over the four quarters to March 31, 2026: $0.89 billion, up 22% from a year earlier.SEC EDGAR filings (XBRL)
- Share buybacks in the fiscal year to December 31, 2025: $6.05 billion.SEC EDGAR filings (10-K)
- Long-term debt issued in the fiscal year to December 31, 2025: $2.64 billion.SEC EDGAR filings (10-K)
- Latest earnings call or results release (July 28, 2026): sentiment 0.30 on a −1 to +1 scale (mixed), confidence 0.70 of 1.Palanor Discourse
- Guidance in the last 90 days: 1 outlook figure raised, 0 lowered, 0 held.Guidance Ledger (8-K results releases)
- Latest annual report (filed February 3, 2026): 1 risk factor added, 0 removed.Risk Factor Changes (10-K Item 1A)
- Insiders were net sellers in Q3 2026: $0.8 million on the open market.SEC Form 4
- 1,397 institutional managers reported a position at June 30, 2026 (−110 on the quarter before).SEC Form 13F
- H-1B filings certified in Q2 2026: 627 (389 a year earlier).U.S. Department of Labor (OFLC)
- Headlines in the last 30 days: 5, of which 0 read positive and 0 negative.Palanor headline tone
Company Posture
How Company Posture is measured →What PayPal is doing, on three axes, from its filings and its own words, as of 2026-10-22. A description, not a rating: Company Posture never says whether to buy.
Expanding ↔ Retrenching
Withheld: 50% of the evidence is readable at this date (needs 60%).
- Capital spending—
- Debt raised—
- Buybacks vs capex—
- Hiring filings82nd pct
- Deals and private raises48th pct
- Patent publications45th pct
Confident ↔ Hedging
Mixed
- Call sentiment30th pct
- Call confidence43rd pct
- Guidance changes94th pct
- Risk factors added41st pct
- Insider open-market trades90th pct
- + Guidance changes
- + Insider open-market trades
- − Call sentiment
Pressure
Components only: Not yet shown as a score: in the back-test it did not add to a naive reader's forecast of impairment, debt acceleration or bankruptcy filings (8-K 2.06, 2.04, 1.03) (not enough events (17 in half 1; needs 20)).
- Fails-to-deliver91st pct
- Stress filings49th pct
Credit
How these are built →PayPal's borrowing from its SEC filings: the bonds it priced and the debt on its latest balance sheet. A description, not a rating.
Bonds priced, last 12 months
$2.0B
U.S. dollar tranches with a term sheet on EDGAR. Deals sold under Rule 144A file none and are not counted.
| Priced | Amount | Coupon | Matures | Spread | Yield |
|---|---|---|---|---|---|
| May 12, 2026 | $650M | 4.550% | 2028 (2y) | +60bp | 4.596% |
| May 12, 2026 | $650M | 5.550% | 2036 (10y) | +110bp | 5.563% |
| May 12, 2026 | $650M | 4.950% | 2031 (5y) | +85bp | 4.972% |
| Mar 3, 2025 | $450M | SOFR + 67bp | — | — | — |
| Mar 3, 2025 | $450M | SOFR + 67bp | 2028 (3y) | — | — |
| Mar 3, 2025 | — | 4.450% | 2028 (3y) | +50bp | 4.466% |
| Mar 3, 2025 | — | 5.100% | 2035 (10y) | +92bp | 5.103% |
| May 20, 2024 | $850M | 5.150% | 2034 (10y) | +80bp | 5.234% |
| May 20, 2024 | $850M | 5.500% | 2054 (30y) | +100bp | 5.580% |
| May 20, 2024 | $850M | 5.500% | 2054 (30y) | +100bp | 5.580% |
| May 20, 2024 | $850M | 5.150% | 2034 (10y) | +80bp | 5.234% |
From the pricing term sheets PayPal filed with the SEC. Spread is to the benchmark Treasury (or Bund, Gilt) at pricing.
Charts
Live charts: each one redraws from today’s data and has an image link to paste into a document or slide.
Cash flow
Capital returned and raised
What the company says
PayPal: earnings call confidence
Palanor Discourse score per call, 0 to 1
Hiring and ownership
News
PayPal: headline tone
Net share of positive headlines, trailing 28 days, −1 to +1
In the news
Headlines that name PayPal, with the publisher and a link. The tone is read from each headline’s own words, never from a summary of the article.
- NeutralPayPal: Market's Extreme Mispricing Is Starting To Unwind (NASDAQ:PYPL)
seekingalpha.com · via Marketaux · Oct 17, 2026
- NeutralPayPal’s Real Turnaround Is Hiding Beyond Checkout (NASDAQ:PYPL)
seekingalpha.com · via Marketaux · Oct 9, 2026
- NeutralPayPal: Why I Still See A Buy After Stripe Walked Away (NASDAQ:PYPL)
seekingalpha.com · via Marketaux · Oct 7, 2026
- NeutralPayPal Holdings Inc (PYPL) Stock Up 3.0% and Still Undervalued -- GF Score: 91/100
gurufocus.com · via Marketaux · Oct 5, 2026
- Neutral[Targeted] PayPal Credit Card: Spend $2,500, Earn $125 Bonus
doctorofcredit.com · via Marketaux · Oct 3, 2026
- PositivePayPal leaves the door open to a higher takeover offer following earnings beat
After reporting better-than-expected Q2 results, PayPal said it remains focused on its AI-driven turnaround, but would consider a deal that creates more value for shareholders.
TechCrunch · Jul 28, 2026
Filings and records
The last two years of notable 8-Ks, offerings, annual reports, federal awards, lobbying reports, patents and other public records, newest first.
- Oct 20, 2026LobbyingLobbying report (FRANKLIN SQUARE GROUP, LLC)third_quarter 2026 · $0.1 million
- Oct 20, 2026LobbyingLobbying report (THORN RUN PARTNERS)third_quarter 2026 · $0.1 million
- Oct 20, 2026LobbyingLobbying report (MINDSET ADVOCACY, LLC)third_quarter 2026 · $0.1 million
- Oct 20, 2026Patent
- Oct 20, 2026Patent
- Oct 20, 2026Patent
- Oct 20, 2026Patent
- Oct 19, 2026LobbyingLobbying report (PAYPAL, INC.)third_quarter 2026 · $0.6 million
- Oct 13, 2026Patent
- Oct 8, 2026LobbyingLobbying report (I STREET ADVOCATES)third_quarter 2026 · $0.0 million
- Jul 20, 2026LobbyingLobbying report (STERNHELL GROUP)second_quarter 2026 · $0.0 million
- Jul 20, 2026LobbyingLobbying report (FRANKLIN SQUARE GROUP, LLC)second_quarter 2026 · $0.1 million
- Jul 20, 2026LobbyingLobbying report (MINDSET ADVOCACY, LLC)second_quarter 2026 · $0.1 million
- May 21, 20268-KDirector or officer changeItem 5.02
- May 21, 20268-KShareholder vote resultsItem 5.07
- Apr 30, 20268-KDirector or officer changeItem 5.02
- Mar 25, 20268-KDirector or officer changeItem 5.02
- Feb 3, 20268-KDirector or officer changeItem 5.02
- Feb 3, 202610-KAnnual report (10-K)1 risk factors added, 0 removed
- Nov 17, 20258-KMaterial agreement signedItem 1.01
- Nov 14, 20258-KMaterial agreement signedItem 1.01
- Jun 24, 20258-KDirector or officer changeItem 5.02
- Jun 9, 20258-KDirector or officer changeItem 5.02
- Jun 9, 20258-KShareholder vote resultsItem 5.07
- Apr 7, 20258-KDirector or officer changeItem 5.02
- Mar 10, 20258-KDirector or officer changeItem 5.02
- Feb 25, 20258-KDirector or officer changeItem 5.02
- Feb 4, 202510-KAnnual report (10-K)0 risk factors added, 0 removed
- Jan 22, 20258-KDirector or officer changeItem 5.02
- Feb 8, 202410-KAnnual report (10-K)1 risk factors added, 2 removed
Peers
Companies in the same industry in the S&P 500, Russell 1000 or MidCap 400, closest in revenue first. Trailing twelve months, from SEC filings.
| Company | Revenue | Free cash flow | Through |
|---|---|---|---|
| Mastercard MA | $35.1B | $16.7B | Jun 30, 2026 |
| Block, Inc. XYZ | $25.0B | $3.9B | Jun 30, 2026 |
| Fidelity National Information Services FIS | $12.2B | $2.8B | Jun 30, 2026 |
| Global Payments GPN | $10.2B | $0.8B | Jun 30, 2026 |
| Toast, Inc. TOST | $6.8B | $0.6B | Jun 30, 2026 |
| Corpay CPAY | $5.0B | $1.6B | Jun 30, 2026 |
| Euronet Worldwide EEFT | $4.4B | $0.3B | Jun 30, 2026 |
| Jack Henry & Associates JKHY | $2.5B | $0.7B | Jun 30, 2026 |
Identity
- SEC CIK
- 1633917
- Wikidata
- Q135683211