PayPal Holdings, Inc. Financial Ratios — PYPLC Stock

Profitability (USD)

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	- -	5.36	11.16	9.84	11.69	13.11	15.24	22.77	19.97	11.52	20.55	20	25.73
Return on Assets (%)	- -	- -	2.04	4.83	4.52	4.86	4.89	5.2	6.9	5.7	3.13	5.28	5.16	6.59
Return on Capital (%)	- -	- -	4.47	10.46	9.86	11.36	12.35	13	17.19	- -	8.58	14.71	14.57	18.5
Return on Invested Capital (%)	- -	- -	4.48	10.24	9.54	10.9	11	11.32	10.68	- -	8.82	12.68	13.58	16.66
Gross Margin (%)	66.74	65.26	64.91	63.03	59.1	58.53	55.63	54.03	54.9	55.17	50.05	46.03	46.1	46.62
EBITDA Margin (%)	22.29	22.95	22.23	22.37	21.31	22.39	19.22	20.43	20.87	21.78	18.73	20.49	19.99	21.19
Operating Margin (%)	15.88	16.22	15.8	16.32	14.63	17.25	16.2	15.7	15.98	17.04	14.7	16.61	18.12	19.28
Incremental Operating Margin (%)	- -	18.03	13.64	19.71	4.83	29.88	10.35	12.37	17.33	22.87	- -	39.95	40.42	46.04
Pretax Margin (%)	15.74	16.11	15.71	16.09	15.04	16.8	15.38	16.87	23.61	16.16	12.23	18.18	16.76	18.97
Profit Margin (%)	13.74	14.2	5.22	13.28	12.92	13.71	13.31	13.84	19.59	16.43	8.79	14.26	13.04	15.78
Net Income to Common Margin (%)	13.74	14.2	5.22	13.28	12.92	13.71	13.31	13.84	19.59	16.43	8.79	14.26	13.04	15.78
Effective Tax Rate (%)	12.68	11.9	66.77	17.47	14.1	18.41	13.43	17.98	17.04	- -	28.13	21.53	22.18	16.83
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.48
Sustainable Growth Rate (%)	- -	- -	5.36	11.16	9.84	11.69	13.11	15.24	22.77	19.97	11.52	20.55	20	25.09

Credit (USD)

Credit Ratios API ChatGPT

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	1,612	1,479	- -	- -	1,000	1,998	4,965	8,939	9,048	10,417	9,676	9,879	9,987
ST Debt	- -	1,103	1,093	- -	- -	1,000	1,998	- -	- -	999	- -	- -	- -	- -
LT Debt	- -	509	386	- -	- -	- -	- -	4,965	8,939	8,049	10,417	9,676	9,879	9,987
Total Debt/EBITDA	- -	1.04	0.83	- -	- -	0.34	0.67	1.37	2	1.64	2.02	1.59	1.55	1.42
Net Debt/EBITDA	- -	0.01	-0.4	-0.67	-0.69	-0.64	-1.88	-0.66	0.93	0.7	0.51	0.1	0.51	0.28
Total Debt/EBIT	- -	1.48	1.17	- -	- -	0.47	0.91	1.83	2.72	2.12	2.71	1.92	1.86	1.65
Net Debt/EBIT	- -	0.01	-0.57	-0.95	-1	-0.89	-2.54	-0.88	1.26	0.9	0.69	0.12	0.6	0.32
EBITDA to Interest Expense	- -	- -	- -	- -	770	418.86	38.57	31.57	21.43	23.82	16.95	17.58	16.64	15.94
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	547	323.57	27.88	25.45	17.28	19.91	14.63	15.78	14.85	14
EBIT to Interest Expense	- -	- -	- -	- -	528.67	322.71	32.51	24.26	16.4	18.64	13.3	14.25	15.09	14.5
Interest Expense	- -	- -	- -	- -	3	7	77	115	209	232	304	347	382	441
Common Equity/Total Assets	- -	38.57	37.63	47.64	44.44	39.23	35.51	32.89	28.44	28.66	25.79	25.62	25.93	25.27
Long-Term Debt/Equity (%)	- -	6.89	4.68	- -	- -	- -	- -	29.33	44.55	37.05	51.38	45.96	48.39	49.3
Long-Term Debt/Capital (%)	- -	5.65	3.97	- -	- -	- -	- -	22.68	30.82	26.15	33.94	31.49	32.61	33.02
Long-Term Debt/Total Assets (%)	- -	2.66	1.76	- -	- -	- -	- -	9.67	12.7	10.62	13.25	11.78	12.55	12.46
Total Debt/Equity (%)	- -	21.81	17.93	- -	- -	6.25	12.99	29.33	44.55	41.64	51.38	45.96	48.39	49.3
Total Debt/Capital (%)	- -	17.91	15.21	- -	- -	5.88	11.49	22.68	30.82	29.4	33.94	31.49	32.61	33.02
Total Debt/Total Assets (%)	- -	8.41	6.75	- -	- -	2.45	4.61	9.67	12.7	11.94	13.25	11.78	12.55	12.46
Net Debt to Equity	- -	0.11	-8.75	-10.12	-10.81	-11.77	-36.25	-14.08	20.66	17.72	13.03	2.83	15.76	9.57
Net Debt/Capital (%)	- -	0.11	-9.59	-11.26	-12.12	-13.34	-56.86	-16.39	17.12	15.06	11.53	2.75	13.61	8.73
EBITDA	1,262	1,544	1,784	2,069	2,310	2,932	2,970	3,631	4,478	5,527	5,154	6,100	6,357	7,028
EBITDA-CapEx	751	1,153	1,292	1,347	1,641	2,265	2,147	2,927	3,612	4,619	4,448	5,477	5,674	6,176
Operating Income (Loss)	899	1,091	1,268	1,509	1,586	2,259	2,503	2,790	3,428	4,324	4,044	4,944	5,763	6,396

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	0.17	0.17	0.25	0.29	0.25	0.35	0.4	0.34	0.22	0.24	0.29	0.24	0.22
Current Ratio	- -	1.3	1.32	1.52	1.52	1.43	1.27	1.43	1.33	1.22	1.28	1.29	1.28	1.29
Quick Ratio	- -	1.27	1.29	1.47	1.48	1.4	1.24	1.4	1.3	1.19	1.23	1.24	1.24	1.25
CFO/Avg Current Liab	- -	- -	0.18	0.19	0.21	0.13	0.22	0.15	0.19	0.14	0.13	0.1	0.16	0.14
Common Equity/Total Assets	- -	38.57	37.63	47.64	44.44	39.23	35.51	32.89	28.44	28.66	25.79	25.62	25.93	25.27
Long-Term Debt/Equity (%)	- -	6.89	4.68	- -	- -	- -	- -	29.33	44.55	37.05	51.38	45.96	48.39	49.3
Long-Term Debt/Capital (%)	- -	5.65	3.97	- -	- -	- -	- -	22.68	30.82	26.15	33.94	31.49	32.61	33.02
Long-Term Debt/Total Assets (%)	- -	2.66	1.76	- -	- -	- -	- -	9.67	12.7	10.62	13.25	11.78	12.55	12.46
Total Debt/Equity (%)	- -	21.81	17.93	- -	- -	6.25	12.99	29.33	44.55	41.64	51.38	45.96	48.39	49.3
Total Debt/Capital (%)	- -	17.91	15.21	- -	- -	5.88	11.49	22.68	30.82	29.4	33.94	31.49	32.61	33.02
Total Debt/Total Assets (%)	- -	8.41	6.75	- -	- -	2.45	4.61	9.67	12.7	11.94	13.25	11.78	12.55	12.46
CFO/Total Liabilities	- -	16.93	16.24	16.84	17.17	10.21	19.61	11.83	12.36	10.72	9.96	7.92	12.78	10.71
CFO/CapEx	3.06	5.1	4.51	3.53	4.72	3.79	6.66	5.78	7.18	6.38	8.23	7.77	10.91	7.53
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.19

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	- -	0.8	0.8	0.8	0.79	0.79	0.82	0.75	0.72	0.74	0.77	0.81	0.85
Days Sales Outstanding	- -	- -	454.97	455.36	454.06	461.37	459.47	445.03	484.51	510.26	491.88	473.44	451.47	427.44
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	51,658
- Cash & Cash Equivalents	- -	1,604	2,201	1,393	1,590	2,883	7,575	7,349	4,794	5,197	7,776	9,081	6,662	8,049
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	44	44	- -	- -	- -	- -	- -
+ Total Debt	- -	1,612	1,479	- -	- -	1,000	1,998	4,965	8,939	9,048	10,417	9,676	9,879	9,987
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	51,223
Total Capital	- -	9,002	9,727	13,759	14,712	16,994	17,384	21,894	29,002	30,775	30,691	30,727	30,296	30,243
Total Debt/Capital (%)	- -	17.91	15.21	- -	- -	5.88	11.49	22.68	30.82	29.4	33.94	31.49	32.61	33.02
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.19
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.54
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.29
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.45
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.55
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.64
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	54,353
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	53,918
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.45
TTM Sales	5,662	6,727	8,025	9,248	10,842	13,094	15,451	17,772	21,454	25,371	27,518	29,771	31,797	33,172
TTM EBITDA	1,262	1,544	1,784	2,069	2,310	2,932	2,970	3,631	4,478	5,527	5,154	6,100	6,357	7,028
TTM Operating Income	899	1,091	1,268	1,509	1,586	2,259	2,503	2,790	3,428	4,324	4,044	4,944	5,763	6,396
TTM Cash Flow to Firm	1,565	1,993	2,220	2,546	3,161	2,537	5,547	4,165	6,392	- -	6,031	5,115	7,747	6,783
TTM Free Cash Flow to Firm	1,054	1,602	1,728	1,824	2,492	1,870	4,724	3,461	5,526	- -	5,325	4,492	7,064	5,931

Multiples (USD)

Valuation Multiples API ChatGPT

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.77
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.45
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	51,223
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.42
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.54
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.29
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.29
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	11.6
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	13.4
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.17
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.55
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.88
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.32
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.52
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.62
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.34
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.32
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.56
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.62
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.83
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.11
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.6
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.39
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.47
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.93
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.29
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	11.02
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	12.72
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.65
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.74
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.01
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.53
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.23
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.51
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.2
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.53
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	11.02
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.34
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.51
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.78
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	57,824
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	66,838
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	50,604

Shares Outstanding	8,755	9,122	9,129	9,152	9,024	8,972	8,778	8,770	8,760	8,733	8,494	8,015	7,424	6,879
Diluted Weighted Avg Shares	8,882	8,882	9,152	9,189	9,107	9,129	8,995	8,882	8,875	8,867	8,658	8,277	7,768	7,237
Basic Weighted Avg Shares	8,755	8,755	9,107	9,137	9,047	8,995	8,852	8,778	8,770	8,778	8,628	8,247	7,694	7,170
Revenue per Share	0.65	0.77	0.88	1.01	1.2	1.46	1.75	2.02	2.45	2.89	3.19	3.61	4.13	4.63
EBITDA per Share	0.14	0.18	0.2	0.23	0.26	0.33	0.34	0.41	0.51	0.63	0.6	0.74	0.83	0.98
Operating Income per Share	0.1	0.12	0.14	0.17	0.18	0.25	0.28	0.32	0.39	0.49	0.47	0.6	0.75	0.89
Basic EPS, GAAP	0.09	0.11	0.05	0.13	0.15	0.2	0.23	0.28	0.48	0.47	0.28	0.51	0.54	0.73
Basic EPS from Cont Ops	0.09	0.11	0.05	0.13	0.15	0.2	0.23	0.28	0.48	0.47	0.28	0.51	0.54	0.73
Diluted EPS, GAAP	0.09	0.11	0.05	0.13	0.15	0.2	0.23	0.28	0.47	0.47	0.28	0.51	0.53	0.72
Diluted EPS from Cont Ops	0.09	0.11	0.05	0.13	0.15	0.2	0.23	0.28	0.47	0.47	0.28	0.51	0.53	0.72
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.02
Cash Flow per Share	0.18	0.23	0.24	0.28	0.35	0.28	0.62	0.46	0.71	0.66	0.67	0.59	0.97	0.89
Free Cash Flow per Basic Share	0.12	0.18	0.19	0.2	0.28	0.21	0.53	0.38	0.61	0.56	0.59	0.51	0.88	0.78
Cash & Equivalents per Share	- -	0.21	0.24	0.37	0.55	0.63	1.04	1.23	1.49	1.08	1.28	1.75	1.47	1.52
Book Value per Share	- -	0.81	0.9	1.5	1.63	1.78	1.75	1.93	2.29	2.49	2.39	2.63	2.75	2.94
Tangible Book Value per Share	- -	0.43	0.54	1.02	1.16	1.28	0.94	1.13	1.12	1.02	0.97	1.18	1.25	1.34

PayPal Holdings, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)