# PYPL · PayPal Holdings, Inc. Snapshot 2026-10-26 · CIK 0001633917 · Nasdaq · Services-Business Services, Nec Price 57.02 (2026-10-23, Alpaca Market Data (consolidated SIP daily bar)) · Market cap 48.78 B Machine-readable: https://theclaudetrader.com/s/PYPL.json · index: https://theclaudetrader.com/llms.txt ## Scores ### Graham Defensive: 69.8 (ok) · complete: True · missing tests: none · current inputs as of 2025-12-31 · stale inputs: Revenue · history 2014–2025 · price 2026-10-23 · verification {'verified': 2, 'mismatch': 0, 'unverified': 21, 'not_cross_checked': 2} · computed 2026-10-26 · rules https://theclaudetrader.com/p/graham - 1 Adequate size: 33.17 revenue $B · threshold >= 1 · points 5.0/5 - 2a Current ratio: 1.29 · threshold >= 2.0 · points 4.3/15 - 2b Long-term debt vs working capital: 0.78 LTD / WC · threshold <= 1.0 · points 15.0/15 - 3 Positive earnings each of 10 years: 10 of 10 · threshold 10 of 10 · points 15.0/15 - 4 Dividends every year for 20 years: 1 of 20 · threshold 20 of 20 · points 0.75/15 - 5 EPS growth, 3-yr avg now vs 10 yrs ago: 0.83 -> 4.41 (+432%) · threshold >= +33% · points 10.0/10 - 6 P/E on 3-year average EPS: 12.9 · threshold <= 15 · points 15.0/15 - 7 P/B <= 1.5, or P/E x P/B <= 22.5: P/B 2.46, product 31.8 · threshold <= 1.5 or <= 22.5 · points 4.7/10 Inputs: - Price (close, per traded unit): 57.02 · 2026-10-23 · Alpaca Market Data (consolidated SIP daily bar) · https://docs.alpaca.markets/docs/historical-stock-data-1 - Revenue: 33172000000.0 · 2025-12-31 · SEC XBRL Revenues · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - current_assets: 62346000000.0 · 2026-06-30 · SEC XBRL AssetsCurrent · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000082/ · unverified - current_liabilities: 48406000000.0 · 2026-06-30 · SEC XBRL LiabilitiesCurrent · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000082/ · unverified - lt_debt: 10895000000.0 · 2026-06-30 · SEC XBRL LongTermDebtNoncurrent · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000082/ · unverified - equity: 19820000000.0 · 2026-06-30 · SEC XBRL StockholdersEquity · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000082/ · unverified - Net income FY2016: 1401000000.0 · 2016-12-31 · SEC XBRL NetIncomeLoss · https://www.sec.gov/Archives/edgar/data/1633917/000163391719000200/ · unverified - Net income FY2017: 1795000000.0 · 2017-12-31 · SEC XBRL NetIncomeLoss · https://www.sec.gov/Archives/edgar/data/1633917/000163391720000028/ · unverified - Net income FY2018: 2057000000.0 · 2018-12-31 · SEC XBRL NetIncomeLoss · https://www.sec.gov/Archives/edgar/data/1633917/000163391721000018/ · unverified - Net income FY2019: 2459000000.0 · 2019-12-31 · SEC XBRL NetIncomeLoss · https://www.sec.gov/Archives/edgar/data/1633917/000163391722000027/ · unverified - Net income FY2020: 4202000000.0 · 2020-12-31 · SEC XBRL NetIncomeLoss · https://www.sec.gov/Archives/edgar/data/1633917/000163391723000033/ · unverified - Net income FY2021: 4169000000.0 · 2021-12-31 · SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) · https://www.sec.gov/Archives/edgar/data/1633917/000163391724000024/ · unverified - Net income FY2022: 2419000000.0 · 2022-12-31 · SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) · https://www.sec.gov/Archives/edgar/data/1633917/000163391725000019/ · unverified - Net income FY2023: 4246000000.0 · 2023-12-31 · SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - Net income FY2024: 4147000000.0 · 2024-12-31 · SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - Net income FY2025: 5233000000.0 · 2025-12-31 · SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - Dividend years (Yahoo): [2025, 2026] · · Yahoo Finance dividend history · https://finance.yahoo.com/quote/PYPL/history?filter=div · verified (partly: XBRL covers 1 of 20 years) - Dividends per share FY2025 (XBRL): 0.14 · 2025-12-31 · SEC XBRL CommonStockDividendsPerShareDeclared · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · verified - EPS diluted FY2014: 0.34 · 2014-12-31 · SEC XBRL EarningsPerShareDiluted · https://www.sec.gov/Archives/edgar/data/1633917/000163391717000027/ · unverified - EPS diluted FY2015: 1.0 · 2015-12-31 · SEC XBRL EarningsPerShareDiluted · https://www.sec.gov/Archives/edgar/data/1633917/000163391718000029/ · unverified - EPS diluted FY2016: 1.15 · 2016-12-31 · SEC XBRL EarningsPerShareDiluted · https://www.sec.gov/Archives/edgar/data/1633917/000163391719000200/ · unverified - EPS diluted FY2023: 3.84 · 2023-12-31 · SEC XBRL EarningsPerShareDiluted · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - EPS diluted FY2024: 3.99 · 2024-12-31 · SEC XBRL EarningsPerShareDiluted · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - EPS diluted FY2025: 5.41 · 2025-12-31 · SEC XBRL EarningsPerShareDiluted · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - Shares outstanding: 855460874.0 · 2026-07-22 · SEC cover page 10-Q 0001633917-26-000082 (855,460,874 shares (single class on cover)); filing document https://www.sec.gov/Archives/edgar/data/1633917/000163391726000082/pypl-20260630.htm · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000082/R1.htm ### Magic Formula: 82.7 (ok) · complete: True · missing tests: none · current inputs as of 2025-12-31 · stale inputs: operating_income_q, ppe_net · history None–None · price 2026-10-23 · verification None · computed 2026-10-26 · rules https://theclaudetrader.com/p/magic_formula - Earnings yield (EBIT/EV): 11.18 % · threshold · points / - Return on capital (EBIT/(NWC+PPE)): 38.02 % · threshold · points / - Combined rank: 117 · threshold · points / Inputs: - operating_income: 6065000000.0 · 2025-12-31 · SEC XBRL OperatingIncomeLoss · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ - operating_income_q: 1488000000.0 · 2026-03-31 · SEC XBRL OperatingIncomeLoss (quarter CY2026Q1) · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000067/ - operating_income_q: 1530000000.0 · 2025-03-31 · SEC XBRL OperatingIncomeLoss (quarter CY2025Q1) · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000067/ - operating_income_q: 1427000000.0 · 2026-06-30 · SEC XBRL OperatingIncomeLoss (quarter CY2026Q2) · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000082/ - operating_income_q: 1504000000.0 · 2025-06-30 · SEC XBRL OperatingIncomeLoss (quarter CY2025Q2) · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000082/ - current_assets: 62346000000.0 · 2026-06-30 · SEC XBRL AssetsCurrent · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000082/ - current_liabilities: 48406000000.0 · 2026-06-30 · SEC XBRL LiabilitiesCurrent · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000082/ - cash: 8306000000.0 · 2026-06-30 · SEC XBRL CashAndCashEquivalentsAtCarryingValue · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000082/ - ppe_net: 1700000000.0 · 2025-12-31 · SEC XBRL PropertyPlantAndEquipmentNet · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ - debt_incl_current: 12728000000.0 · 2026-06-30 · SEC XBRL LongTermDebt · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000082/ - shares_out: 855460874.0 · 2026-07-22 · SEC cover page 10-Q 0001633917-26-000082 (855,460,874 shares (single class on cover)); filing document https://www.sec.gov/Archives/edgar/data/1633917/000163391726000082/pypl-20260630.htm · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000082/R1.htm - Price (close): 57.02 · 2026-10-23 · Yahoo Finance / Alpaca Market Data · - note: debt = LongTermDebt (incl. current maturities) · · · ### Momentum: 36.5 (ok) · complete: True · missing tests: none · current inputs as of 2026-10-23 · stale inputs: none · history None–None · price 2026-10-23 · verification None · computed 2026-10-26 · rules https://theclaudetrader.com/p/momentum - 12-1 month return: -23.8 % · threshold · points 6.4/50 - 6 month return: 15.3 % · threshold · points 14.6/20 - Price / 52-week high: 0.79 · threshold · points 11.8/15 - Volatility penalty (60d annualised): 38.2 % · threshold · points 3.7/15 Inputs: - Adjusted close series (14 months): 57.02 · 2026-10-23 · Yahoo Finance / Alpaca Market Data daily history · ### Insider: 0.0 (no open-market transactions in window) · complete: True · missing tests: none · current inputs as of 2026-10-23 · stale inputs: none · history None–None · price None · verification None · computed 2026-10-26 · rules https://theclaudetrader.com/p/insider - Open-market buy value / market cap (percentile among buyers): 0.0 bp · threshold · points 0.0/35 - Distinct buyers: 0 · threshold · points 0.0/25 - Buyer seniority: 0.0 · threshold · points 0.0/20 - Recency (half-life 30d): 0.0 · threshold · points 0.0/10 - Sales penalty (excludes 10b5-1 plan sales): 0.0 bp · threshold · points -0.0/0 Inputs: - excluded 2026-09-03 S: 10b5-1 plan · · rule · - excluded 2026-09-03 S: 10b5-1 plan · · rule · - excluded 2026-09-03 S: 10b5-1 plan · · rule · - excluded 2026-09-03 S: 10b5-1 plan · · rule · - excluded 2026-09-03 S: 10b5-1 plan · · rule · - excluded 2026-09-03 S: 10b5-1 plan · · rule · - excluded 2026-09-03 S: 10b5-1 plan · · rule · - excluded 2026-08-18 S: 10b5-1 plan · · rule · - excluded 2026-08-18 S: 10b5-1 plan · · rule · - excluded 2026-07-29 S: 10b5-1 plan · · rule · - excluded 2026-07-29 S: 10b5-1 plan · · rule · ### Buffett Quality: 97.1 (ok) · complete: True · missing tests: none · current inputs as of 2026-06-30 · stale inputs: none · history 2016–2025 · price 2026-10-23 · verification {'verified': 0, 'mismatch': 0, 'unverified': 47, 'not_cross_checked': 2} · computed 2026-10-26 · rules https://theclaudetrader.com/p/buffett - 1 Average return on equity (net income / year-end equity): 18.3% over 8 yrs · threshold >= 15% · points 25.0/25 - 2 Profitable every year: 10 of 10 · threshold all years · points 15.0/15 - 3 Net income growth, 3-yr average now vs start of window: +14.6% a year · threshold >= +10% · points 10.0/10 - 4 Borrowings / 3-yr average earnings (years to repay): 2.8 years · threshold <= 4 · points 15.0/15 - 5 Operating margin, 5-yr average: 16.5% · threshold >= 20% · points 7.1/10 - 6 Free cash flow / net income, 5-yr (operating cash flow minus capex): 1.31 · threshold >= 1.0 · points 10.0/10 - 7 Owner-earnings yield (3-yr avg free cash flow / market cap): 11.3% · threshold >= 7% · points 15.0/15 Inputs: - Price (close, per traded unit): 57.02 · 2026-10-23 · Alpaca Market Data (consolidated SIP daily bar) · https://docs.alpaca.markets/docs/historical-stock-data-1 - Net income FY2018: 2057000000.0 · 2018-12-31 · SEC XBRL NetIncomeLoss · https://www.sec.gov/Archives/edgar/data/1633917/000163391721000018/ · unverified - Equity at FY2018 end: 15386000000.0 · 2018-12-31 · SEC XBRL StockholdersEquity · https://www.sec.gov/Archives/edgar/data/1633917/000163391720000028/ · unverified - Net income FY2019: 2459000000.0 · 2019-12-31 · SEC XBRL NetIncomeLoss · https://www.sec.gov/Archives/edgar/data/1633917/000163391722000027/ · unverified - Equity at FY2019 end: 16885000000.0 · 2019-12-31 · SEC XBRL StockholdersEquity · https://www.sec.gov/Archives/edgar/data/1633917/000163391721000018/ · unverified - Net income FY2020: 4202000000.0 · 2020-12-31 · SEC XBRL NetIncomeLoss · https://www.sec.gov/Archives/edgar/data/1633917/000163391723000033/ · unverified - Equity at FY2020 end: 20019000000.0 · 2020-12-31 · SEC XBRL StockholdersEquity · https://www.sec.gov/Archives/edgar/data/1633917/000163391722000027/ · unverified - Net income FY2021: 4169000000.0 · 2021-12-31 · SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) · https://www.sec.gov/Archives/edgar/data/1633917/000163391724000024/ · unverified - Equity at FY2021 end: 21727000000.0 · 2021-12-31 · SEC XBRL StockholdersEquity · https://www.sec.gov/Archives/edgar/data/1633917/000163391725000019/ · unverified - Net income FY2022: 2419000000.0 · 2022-12-31 · SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) · https://www.sec.gov/Archives/edgar/data/1633917/000163391725000019/ · unverified - Equity at FY2022 end: 20274000000.0 · 2022-12-31 · SEC XBRL StockholdersEquity · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - Net income FY2023: 4246000000.0 · 2023-12-31 · SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - Equity at FY2023 end: 21051000000.0 · 2023-12-31 · SEC XBRL StockholdersEquity · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - Net income FY2024: 4147000000.0 · 2024-12-31 · SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - Equity at FY2024 end: 20417000000.0 · 2024-12-31 · SEC XBRL StockholdersEquity · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000082/ · unverified - Net income FY2025: 5233000000.0 · 2025-12-31 · SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - Equity at FY2025 end: 20256000000.0 · 2025-12-31 · SEC XBRL StockholdersEquity · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000082/ · unverified - Net income FY2016: 1401000000.0 · 2016-12-31 · SEC XBRL NetIncomeLoss · https://www.sec.gov/Archives/edgar/data/1633917/000163391719000200/ · unverified - Net income FY2017: 1795000000.0 · 2017-12-31 · SEC XBRL NetIncomeLoss · https://www.sec.gov/Archives/edgar/data/1633917/000163391720000028/ · unverified - Net income FY2018: 2057000000.0 · 2018-12-31 · SEC XBRL NetIncomeLoss · https://www.sec.gov/Archives/edgar/data/1633917/000163391721000018/ · unverified - Net income FY2019: 2459000000.0 · 2019-12-31 · SEC XBRL NetIncomeLoss · https://www.sec.gov/Archives/edgar/data/1633917/000163391722000027/ · unverified - Net income FY2020: 4202000000.0 · 2020-12-31 · SEC XBRL NetIncomeLoss · https://www.sec.gov/Archives/edgar/data/1633917/000163391723000033/ · unverified - Net income FY2021: 4169000000.0 · 2021-12-31 · SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) · https://www.sec.gov/Archives/edgar/data/1633917/000163391724000024/ · unverified - Net income FY2022: 2419000000.0 · 2022-12-31 · SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) · https://www.sec.gov/Archives/edgar/data/1633917/000163391725000019/ · unverified - Net income FY2023: 4246000000.0 · 2023-12-31 · SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - Net income FY2024: 4147000000.0 · 2024-12-31 · SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - Net income FY2025: 5233000000.0 · 2025-12-31 · SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - debt_incl_current: 12728000000.0 · 2026-06-30 · SEC XBRL LongTermDebt · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000082/ · unverified - Operating income FY2021: 4262000000.0 · 2021-12-31 · SEC XBRL OperatingIncomeLoss · https://www.sec.gov/Archives/edgar/data/1633917/000163391724000024/ · unverified - Revenue FY2021: 25371000000.0 · 2021-12-31 · SEC XBRL Revenues · https://www.sec.gov/Archives/edgar/data/1633917/000163391724000024/ · unverified - Operating income FY2022: 3837000000.0 · 2022-12-31 · SEC XBRL OperatingIncomeLoss · https://www.sec.gov/Archives/edgar/data/1633917/000163391725000019/ · unverified - Revenue FY2022: 27518000000.0 · 2022-12-31 · SEC XBRL Revenues · https://www.sec.gov/Archives/edgar/data/1633917/000163391725000019/ · unverified - Operating income FY2023: 5028000000.0 · 2023-12-31 · SEC XBRL OperatingIncomeLoss · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - Revenue FY2023: 29771000000.0 · 2023-12-31 · SEC XBRL Revenues · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - Operating income FY2024: 5325000000.0 · 2024-12-31 · SEC XBRL OperatingIncomeLoss · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - Revenue FY2024: 31797000000.0 · 2024-12-31 · SEC XBRL Revenues · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - Operating income FY2025: 6065000000.0 · 2025-12-31 · SEC XBRL OperatingIncomeLoss · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - Revenue FY2025: 33172000000.0 · 2025-12-31 · SEC XBRL Revenues · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - Operating cash flow FY2021: 5797000000.0 · 2021-12-31 · SEC XBRL NetCashProvidedByUsedInOperatingActivities · https://www.sec.gov/Archives/edgar/data/1633917/000163391724000024/ · unverified - Capital expenditure FY2021: 908000000.0 · 2021-12-31 · SEC XBRL PaymentsToAcquirePropertyPlantAndEquipment · https://www.sec.gov/Archives/edgar/data/1633917/000163391724000024/ · unverified ### Lynch GARP: 75.6 (ok) · complete: True · missing tests: none · current inputs as of 2026-06-30 · stale inputs: none · history 2020–2025 · price 2026-10-23 · verification {'verified': 0, 'mismatch': 0, 'unverified': 5, 'not_cross_checked': 1} · computed 2026-10-26 · rules https://theclaudetrader.com/p/lynch - 1 PEG: P/E divided by 5-yr EPS growth (in % points): 1.19 · threshold <= 1.0 · points 24.3/30 - 2 EPS growth, 5-yr compound rate: +8.9% a year · threshold 12% to 35% a year · points 14.8/20 - 3 P/E on latest annual EPS: 10.5 · threshold <= 25 · points 10.0/10 - 4 Borrowings / equity: 0.64 · threshold <= 0.5 · points 12.9/15 - 5 Years of the last 5 in which EPS rose: 3 of 5 · threshold 5 of 5 · points 9.0/15 - 6 Net cash (cash minus borrowings) / market cap: -9.1% · threshold >= +10% · points 4.6/10 Inputs: - Price (close, per traded unit): 57.02 · 2026-10-23 · Alpaca Market Data (consolidated SIP daily bar) · https://docs.alpaca.markets/docs/historical-stock-data-1 - EPS diluted FY2025: 5.41 · 2025-12-31 · SEC XBRL EarningsPerShareDiluted · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - EPS diluted FY2020: 3.54 · 2020-12-31 · SEC XBRL EarningsPerShareDiluted · https://www.sec.gov/Archives/edgar/data/1633917/000163391723000033/ · unverified - debt_incl_current: 12728000000.0 · 2026-06-30 · SEC XBRL LongTermDebt · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000082/ · unverified - equity: 19820000000.0 · 2026-06-30 · SEC XBRL StockholdersEquity · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000082/ · unverified - cash: 8306000000.0 · 2026-06-30 · SEC XBRL CashAndCashEquivalentsAtCarryingValue · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000082/ · unverified ### Graham Enterprising: 58.6 (ok) · complete: True · missing tests: none · current inputs as of 2026-06-30 · stale inputs: none · history 2020–2025 · price 2026-10-23 · verification {'verified': 0, 'mismatch': 0, 'unverified': 11, 'not_cross_checked': 3} · computed 2026-10-26 · rules https://theclaudetrader.com/p/graham_enterprising - 1 Current ratio: 1.29 · threshold >= 1.5 · points 8.6/15 - 2 Borrowings vs working capital: 0.91 x · threshold <= 1.1x · points 15.0/15 - 3 No earnings deficit in the last 5 years: 5 of 5 profitable · threshold 5 of 5 · points 15.0/15 - 4 Pays a current dividend: yes · threshold yes · points 10.0/10 - 5 EPS higher than five years earlier: 3.54 -> 5.41 · threshold higher · points 10.0/10 - 6 Price / book value per share: 2.46 · threshold <= 1.2 · points 0.0/20 - 7 Price / net current asset value per share (current assets minus all liabilities): None · threshold <= 0.67 · points 0.0/15 Inputs: - Price (close, per traded unit): 57.02 · 2026-10-23 · Alpaca Market Data (consolidated SIP daily bar) · https://docs.alpaca.markets/docs/historical-stock-data-1 - current_assets: 62346000000.0 · 2026-06-30 · SEC XBRL AssetsCurrent · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000082/ · unverified - current_liabilities: 48406000000.0 · 2026-06-30 · SEC XBRL LiabilitiesCurrent · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000082/ · unverified - debt_incl_current: 12728000000.0 · 2026-06-30 · SEC XBRL LongTermDebt · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000082/ · unverified - Net income FY2021: 4169000000.0 · 2021-12-31 · SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) · https://www.sec.gov/Archives/edgar/data/1633917/000163391724000024/ · unverified - Net income FY2022: 2419000000.0 · 2022-12-31 · SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) · https://www.sec.gov/Archives/edgar/data/1633917/000163391725000019/ · unverified - Net income FY2023: 4246000000.0 · 2023-12-31 · SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - Net income FY2024: 4147000000.0 · 2024-12-31 · SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - Net income FY2025: 5233000000.0 · 2025-12-31 · SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - Dividend years (Yahoo): [2025, 2026] · · Yahoo Finance dividend history · https://finance.yahoo.com/quote/PYPL/history?filter=div - EPS diluted FY2025: 5.41 · 2025-12-31 · SEC XBRL EarningsPerShareDiluted · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - EPS diluted FY2020: 3.54 · 2020-12-31 · SEC XBRL EarningsPerShareDiluted · https://www.sec.gov/Archives/edgar/data/1633917/000163391723000033/ · unverified - equity: 19820000000.0 · 2026-06-30 · SEC XBRL StockholdersEquity · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000082/ · unverified - Shares outstanding: 855460874.0 · 2026-07-22 · SEC cover page 10-Q 0001633917-26-000082 (855,460,874 shares (single class on cover)); filing document https://www.sec.gov/Archives/edgar/data/1633917/000163391726000082/pypl-20260630.htm · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000082/R1.htm ### Piotroski F-Score: 100.0 (ok) · complete: True · missing tests: none · current inputs as of None · stale inputs: none · history 2024–2026 · price None · verification {'verified': 0, 'mismatch': 0, 'unverified': 27, 'not_cross_checked': 0} · computed 2026-10-26 · rules https://theclaudetrader.com/p/piotroski - 1 Return on assets is positive: 6.5% · threshold pass = 1 · points 11.11111111111111/11.11111111111111 - 2 Operating cash flow is positive: 6,416M · threshold pass = 1 · points 11.11111111111111/11.11111111111111 - 3 Return on assets improved on the prior year: 5.3% -> 6.5% · threshold pass = 1 · points 11.11111111111111/11.11111111111111 - 4 Operating cash flow exceeds net income (accruals): 6,416M vs 5,233M · threshold pass = 1 · points 11.11111111111111/11.11111111111111 - 5 Long-term debt / assets fell: 12.5% -> 12.5% · threshold pass = 1 · points 11.11111111111111/11.11111111111111 - 6 Current ratio improved: 1.28 -> 1.29 · threshold pass = 1 · points 11.11111111111111/11.11111111111111 - 7 No new shares issued (share count did not rise): 955M -> 855M · threshold pass = 1 · points 11.11111111111111/11.11111111111111 - 8 Operating margin improved (stand-in for gross margin, which the dataset does not carry): 16.7% -> 18.3% · threshold pass = 1 · points 11.11111111111111/11.11111111111111 - 9 Asset turnover (revenue / assets) improved: 0.40 -> 0.41 · threshold pass = 1 · points 11.11111111111111/11.11111111111111 Inputs: - net_income 2025-12-31: 5233000000.0 · 2025-12-31 · SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - total_assets 2025-12-31: 80173000000.0 · 2025-12-31 · SEC XBRL Assets · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000082/ · unverified - cfo 2025-12-31: 6416000000.0 · 2025-12-31 · SEC XBRL NetCashProvidedByUsedInOperatingActivities · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - net_income 2025-12-31: 5233000000.0 · 2025-12-31 · SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - net_income 2024-12-31: 4147000000.0 · 2024-12-31 · SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - total_assets 2025-12-31: 80173000000.0 · 2025-12-31 · SEC XBRL Assets · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000082/ · unverified - total_assets 2024-12-31: 78725000000.0 · 2024-12-31 · SEC XBRL Assets · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - cfo 2025-12-31: 6416000000.0 · 2025-12-31 · SEC XBRL NetCashProvidedByUsedInOperatingActivities · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - net_income 2025-12-31: 5233000000.0 · 2025-12-31 · SEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-145721) · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - lt_debt 2025-12-31: 9987000000.0 · 2025-12-31 · SEC XBRL LongTermDebtNoncurrent · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000082/ · unverified - lt_debt 2024-12-31: 9879000000.0 · 2024-12-31 · SEC XBRL LongTermDebtNoncurrent · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - total_assets 2025-12-31: 80173000000.0 · 2025-12-31 · SEC XBRL Assets · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000082/ · unverified - total_assets 2024-12-31: 78725000000.0 · 2024-12-31 · SEC XBRL Assets · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - current_assets 2025-12-31: 59759000000.0 · 2025-12-31 · SEC XBRL AssetsCurrent · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000082/ · unverified - current_assets 2024-12-31: 58206000000.0 · 2024-12-31 · SEC XBRL AssetsCurrent · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - current_liabilities 2025-12-31: 46443000000.0 · 2025-12-31 · SEC XBRL LiabilitiesCurrent · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000082/ · unverified - current_liabilities 2024-12-31: 45490000000.0 · 2024-12-31 · SEC XBRL LiabilitiesCurrent · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - shares_out 2026-07-22: 855460874.0 · 2026-07-22 · SEC XBRL EntityCommonStockSharesOutstanding · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000082/ · unverified - shares_out 2025-07-23: 955378405.0 · 2025-07-23 · SEC XBRL EntityCommonStockSharesOutstanding · https://www.sec.gov/Archives/edgar/data/1633917/000163391725000161/ · unverified - operating_income 2025-12-31: 6065000000.0 · 2025-12-31 · SEC XBRL OperatingIncomeLoss · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - operating_income 2024-12-31: 5325000000.0 · 2024-12-31 · SEC XBRL OperatingIncomeLoss · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - revenue 2025-12-31: 33172000000.0 · 2025-12-31 · SEC XBRL Revenues · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - revenue 2024-12-31: 31797000000.0 · 2024-12-31 · SEC XBRL Revenues · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - revenue 2025-12-31: 33172000000.0 · 2025-12-31 · SEC XBRL Revenues · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - revenue 2024-12-31: 31797000000.0 · 2024-12-31 · SEC XBRL Revenues · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified - total_assets 2025-12-31: 80173000000.0 · 2025-12-31 · SEC XBRL Assets · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000082/ · unverified - total_assets 2024-12-31: 78725000000.0 · 2024-12-31 · SEC XBRL Assets · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ · unverified ## Market value, source trail - Formula: market_value = traded_price (price date) / depositary_ratio x latest point-in-time SEC shares outstanding (share-count date shown; from the filing cover page, summed across share classes only where the issuer filing verifies the classes are economically equivalent (rule + evidence URL in the source text), else withheld; priced at the primary listed class, so where other classes trade at a different price the value is an approximation; restated only for issuer-verified splits after the count date); weighted-average share counts are never used - Traded price: 57.02 on 2026-10-23 (USD per traded unit (share or ADS)) · https://docs.alpaca.markets/docs/historical-stock-data-1 - SEC shares outstanding: 855,460,874 underlying shares, period 2026-07-22, SEC cover page 10-Q 0001633917-26-000082 (855,460,874 shares (single class on cover)); filing document https://www.sec.gov/Archives/edgar/data/1633917/000163391726000082/pypl-20260630.htm, accession 0001633917-26-000082 · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000082/R1.htm - Depositary ratio: 1.0 (domestic; 10-K filer; SEC shares are the traded units) · None - Market value (price date x latest reported shares): 48,778,379,035 USD; 57.02 (price 2026-10-23) / 1 x 855,460,874 (shares at 2026-07-22) = 48,778,379,035 ## Revenue by fiscal year (SEC XBRL; FY = calendar year in which the fiscal year ends) - FY2013 (ended 2013-12-31): 6727000000.0 · https://www.sec.gov/Archives/edgar/data/1633917/000163391716000113/ - FY2014 (ended 2014-12-31): 8025000000.0 · https://www.sec.gov/Archives/edgar/data/1633917/000163391717000027/ - FY2015 (ended 2015-12-31): 9248000000.0 · https://www.sec.gov/Archives/edgar/data/1633917/000163391718000029/ - FY2016 (ended 2016-12-31): 10842000000.0 · https://www.sec.gov/Archives/edgar/data/1633917/000163391719000200/ - FY2017 (ended 2017-12-31): 13094000000.0 · https://www.sec.gov/Archives/edgar/data/1633917/000163391720000028/ - FY2018 (ended 2018-12-31): 15451000000.0 · https://www.sec.gov/Archives/edgar/data/1633917/000163391721000018/ - FY2019 (ended 2019-12-31): 17772000000.0 · https://www.sec.gov/Archives/edgar/data/1633917/000163391722000027/ - FY2020 (ended 2020-12-31): 21454000000.0 · https://www.sec.gov/Archives/edgar/data/1633917/000163391723000033/ - FY2021 (ended 2021-12-31): 25371000000.0 · https://www.sec.gov/Archives/edgar/data/1633917/000163391724000024/ - FY2022 (ended 2022-12-31): 27518000000.0 · https://www.sec.gov/Archives/edgar/data/1633917/000163391725000019/ - FY2023 (ended 2023-12-31): 29771000000.0 · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ - FY2024 (ended 2024-12-31): 31797000000.0 · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ - FY2025 (ended 2025-12-31): 33172000000.0 · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ ## Net income by fiscal year (SEC XBRL) - FY2013 (ended 2013-12-31): 955000000.0 · https://www.sec.gov/Archives/edgar/data/1633917/000163391716000113/ - FY2014 (ended 2014-12-31): 419000000.0 · https://www.sec.gov/Archives/edgar/data/1633917/000163391717000027/ - FY2015 (ended 2015-12-31): 1228000000.0 · https://www.sec.gov/Archives/edgar/data/1633917/000163391718000029/ - FY2016 (ended 2016-12-31): 1401000000.0 · https://www.sec.gov/Archives/edgar/data/1633917/000163391719000200/ - FY2017 (ended 2017-12-31): 1795000000.0 · https://www.sec.gov/Archives/edgar/data/1633917/000163391720000028/ - FY2018 (ended 2018-12-31): 2057000000.0 · https://www.sec.gov/Archives/edgar/data/1633917/000163391721000018/ - FY2019 (ended 2019-12-31): 2459000000.0 · https://www.sec.gov/Archives/edgar/data/1633917/000163391722000027/ - FY2020 (ended 2020-12-31): 4202000000.0 · https://www.sec.gov/Archives/edgar/data/1633917/000163391723000033/ - FY2021 (ended 2021-12-31): 4169000000.0 · https://www.sec.gov/Archives/edgar/data/1633917/000163391724000024/ - FY2022 (ended 2022-12-31): 2419000000.0 · https://www.sec.gov/Archives/edgar/data/1633917/000163391725000019/ - FY2023 (ended 2023-12-31): 4246000000.0 · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ - FY2024 (ended 2024-12-31): 4147000000.0 · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ - FY2025 (ended 2025-12-31): 5233000000.0 · https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/ ## EPS diluted by fiscal year (split-adjusted to today's share basis; as filed in brackets) - FY2013 (ended 2013-12-31): 0.78 [filed 0.78, split factor 1.0] - FY2014 (ended 2014-12-31): 0.34 [filed 0.34, split factor 1.0] - FY2015 (ended 2015-12-31): 1.0 [filed 1.0, split factor 1.0] - FY2016 (ended 2016-12-31): 1.15 [filed 1.15, split factor 1.0] - FY2017 (ended 2017-12-31): 1.47 [filed 1.47, split factor 1.0] - FY2018 (ended 2018-12-31): 1.71 [filed 1.71, split factor 1.0] - FY2019 (ended 2019-12-31): 2.07 [filed 2.07, split factor 1.0] - FY2020 (ended 2020-12-31): 3.54 [filed 3.54, split factor 1.0] - FY2021 (ended 2021-12-31): 3.52 [filed 3.52, split factor 1.0] - FY2022 (ended 2022-12-31): 2.09 [filed 2.09, split factor 1.0] - FY2023 (ended 2023-12-31): 3.84 [filed 3.84, split factor 1.0] - FY2024 (ended 2024-12-31): 3.99 [filed 3.99, split factor 1.0] - FY2025 (ended 2025-12-31): 5.41 [filed 5.41, split factor 1.0] ## Dividend years (Yahoo history) 2025, 2026 ## Insider transactions (SEC Form 4 data set, latest 40) - 2026-09-03 S Keller Frank (officer) 1000 @ 55.74 = 55740 · https://www.sec.gov/Archives/edgar/data/1633917/000200641626000017/ - 2026-09-03 S Keller Frank (officer) 2427 @ 54.68 = 132708 · https://www.sec.gov/Archives/edgar/data/1633917/000200641626000017/ - 2026-09-03 S Keller Frank (officer) 1185 @ 56.71 = 67201 · https://www.sec.gov/Archives/edgar/data/1633917/000200641626000017/ - 2026-09-03 S Kereere Suzan (Pres) 995 @ 55.79 = 55511 · https://www.sec.gov/Archives/edgar/data/1633917/000189608626000016/ - 2026-09-03 S Kereere Suzan (Pres) 1284 @ 56.69 = 72790 · https://www.sec.gov/Archives/edgar/data/1633917/000189608626000016/ - 2026-09-03 S Kereere Suzan (Pres) 1100 @ 54.53 = 59983 · https://www.sec.gov/Archives/edgar/data/1633917/000189608626000016/ - 2026-09-03 S Natali Chris (officer) 552 @ 54.80 = 30250 · https://www.sec.gov/Archives/edgar/data/1633917/000190527226000016/ - 2026-08-18 S Kereere Suzan (Pres) 800 @ 61.41 = 49128 · https://www.sec.gov/Archives/edgar/data/1633917/000189608626000012/ - 2026-08-18 S Kereere Suzan (Pres) 3362 @ 60.86 = 204611 · https://www.sec.gov/Archives/edgar/data/1633917/000189608626000012/ - 2026-07-29 S Keller Frank (officer) 732 @ 58.10 = 42529 · https://www.sec.gov/Archives/edgar/data/1633917/000200641626000013/ - 2026-07-29 S Natali Chris (officer) 1337 @ 58.10 = 77680 · https://www.sec.gov/Archives/edgar/data/1633917/000190527226000012/ - 2026-06-15 P Miller Jamie S (officer) 6129 @ 41.53 = 254537 · https://www.sec.gov/Archives/edgar/data/1633917/000119312526273170/ - 2026-06-03 S Keller Frank (officer) 4612 @ 42.54 = 196194 · https://www.sec.gov/Archives/edgar/data/1633917/000200641626000009/ - 2026-06-03 S Kereere Suzan (Pres) 3379 @ 42.79 = 144587 · https://www.sec.gov/Archives/edgar/data/1633917/000189608626000008/ - 2026-06-03 S Natali Chris (officer) 552 @ 42.65 = 23543 · https://www.sec.gov/Archives/edgar/data/1633917/000190527226000008/ - 2026-05-19 S Kereere Suzan (Pres) 3962 @ 44.16 = 174962 · https://www.sec.gov/Archives/edgar/data/1633917/000189608626000004/ - 2026-05-19 S Kereere Suzan (Pres) 200 @ 44.87 = 8974 · https://www.sec.gov/Archives/edgar/data/1633917/000189608626000004/ - 2026-04-29 S Keller Frank (officer) 732 @ 49.46 = 36205 · https://www.sec.gov/Archives/edgar/data/1633917/000200641626000005/ - 2026-04-29 S Keller Frank (officer) 10000 @ 50.00 = 500000 · https://www.sec.gov/Archives/edgar/data/1633917/000200641626000005/ - 2026-04-29 S Natali Chris (officer) 1337 @ 49.46 = 66128 · https://www.sec.gov/Archives/edgar/data/1633917/000190527226000004/ ## Links - sec_filings: https://www.sec.gov/edgar/browse/?CIK=0001633917 - sec_xbrl_companyfacts: https://data.sec.gov/api/xbrl/companyfacts/CIK0001633917.json - sec_form4: https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=0001633917&type=4 - sec_8k: https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=0001633917&type=8-K - yahoo: https://finance.yahoo.com/quote/PYPL - stooq: https://stooq.com/q/d/?s=pypl.us - morningstar (link only, nothing stored): https://www.morningstar.com/search?query=PYPL - finviz (link only, nothing stored): https://finviz.com/quote.ashx?t=PYPL - stockanalysis (link only, nothing stored): https://stockanalysis.com/stocks/pypl/ - seeking_alpha (link only, nothing stored): https://seekingalpha.com/symbol/PYPL - openinsider (link only, nothing stored): http://openinsider.com/search?q=PYPL - google_news (link only, nothing stored): https://news.google.com/rss/search?q=PYPL+stock Cite as: The Claude Trader snapshot 2026-10-26, https://theclaudetrader.com/s/PYPL; data from SEC EDGAR XBRL and market prices (Alpaca Market Data, Yahoo Finance) to 2026-10-23. Scores are deterministic rule outputs from public filings. fair_value_model is a labelled model estimate from the same filings (method at /fair-value), not an opinion or recommendation.