PayPal Holdings, Inc.
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PYPL Q3 2025 request
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/api/financials?ticker=PYPL&year=2025&quarter=3
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| Metric | Q3 2025 | Q3 2024 | YoY |
|---|---|---|---|
| Revenue | 8,417 | 7,847 | +7.3% |
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| Revenues from other value added services | 895 | 780 | +14.7% |
| Transaction revenues | 7,522 | 7,067 | +6.4% |
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| Reportable Segment | 8,417 | 7,847 | +7.3% |
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| Non Us | 3,664 | 3,329 | +10.1% |
| US | 4,753 | 4,518 | +5.2% |
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| Accumulated Gain Loss Net Cash Flow Hedge Parent · Reclassification Out Of Accumulated Other Comprehensive Income | -49 | -12 | -308.3% |
| Accumulated Net Unrealized Investment Gain Loss · Reclassification Out Of Accumulated Other Comprehensive Income | -1 | — | — |
| Transaction Expense | 4,063 | 3,841 | +5.8% |
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| Reportable Segment | 4,063 | 3,841 | +5.8% |
| Transaction And Credit Losses | 483 | 352 | +37.2% |
| Customer Support And Operations Expense | 447 | 427 | +4.7% |
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| Reportable Segment | 447 | 427 | +4.7% |
| Sales & Marketing | 521 | 508 | +2.6% |
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| Reportable Segment | 521 | 508 | +2.6% |
| Technology And Development Expense | 801 | 746 | +7.4% |
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| Reportable Segment | 801 | 746 | +7.4% |
| General & Administrative | 513 | 519 | -1.2% |
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| Reportable Segment | 513 | 519 | -1.2% |
| Restructuring And Other | 69 | 63 | +9.5% |
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| Reportable Segment | 69 | 63 | +9.5% |
| Operating Expenses | 6,897 | 6,456 | +6.8% |
| Operating Income | 1,520 | 1,391 | +9.3% |
| Non-Operating Income (Expense) | 13 | -80 | +116.3% |
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| Reportable Segment | 13 | -80 | +116.3% |
| Income Loss Attributable To Parent | 1,533 | 1,311 | +16.9% |
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| Reclassification Out Of Accumulated Other Comprehensive Income | -50 | -12 | -316.7% |
| Income Tax Expense (Benefit) | 285 | 301 | -5.3% |
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| Reportable Segment | 285 | 301 | -5.3% |
| Net Income | 1,248 | 1,010 | +23.6% |
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| Reportable Segment | 1,248 | 1,010 | +23.6% |
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| Retained Earnings | 1,248 | 1,010 | +23.6% |
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| Reclassification Out Of Accumulated Other Comprehensive Income | -50 | -12 | -316.7% |
| EPS (Basic) | 1.31 | 1 | +31.0% |
| EPS (Diluted) | 1.3 | 0.99 | +31.3% |
| Wtd Avg Shares (Basic) | 950 | 1,015 | -6.4% |
| Wtd Avg Shares (Diluted) | 960 | 1,024 | -6.2% |
| Other Revenue | 542 | 515 | +5.2% |
| Interest Expense | -113 | -106 | -6.6% |
| Other Non-Operating Income (Expense) | -3 | 14 | -121.4% |
| Comprehensive Income | 1,287 | 1,076 | +19.6% |
| Other Comprehensive Income | 39 | 66 | -40.9% |
| Net Income Loss Available To Common Stockholders Basic | 1,248 | 1,010 | +23.6% |
Balance Sheet
| Metric | Q3 2025 | Q3 2024 | YoY |
|---|---|---|---|
| Current Assets | |||
| Cash & Cash Equivalents | 8,995 | 7,372 | +22.0% |
| Short-Term Investments | 1,760 | 4,647 | -62.1% |
| Accounts Receivable | 973 | 1,038 | -6.3% |
| Loans Receivable Held For Sale Amount | 1,404 | 471 | +198.1% |
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| Consumer Portfolio Segment | 1.4 | — | — |
| Notes And Loans Receivable Net Current | 6,396 | 6,003 | +6.5% |
| Funds Receivable And Customer Accounts | 38,668 | 39,182 | -1.3% |
| Prepaid Expenses & Other Current Assets | 1,980 | 4,060 | -51.2% |
| Total Current Assets | 60,176 | 62,673 | -4.0% |
| Non-Current Assets | |||
| Long Term Investments | 3,601 | — | — |
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| Variable Interest Entity Not Primary Beneficiary | 199 | — | — |
| Goodwill | 10,941 | 10,996 | -0.5% |
| Intangible Assets | 226 | 393 | -42.5% |
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| Customer Related Intangible Assets | 172 | 306 | -43.8% |
| Developed Technology Rights | 8 | — | — |
| Marketing Related Intangible Assets | 13 | 27 | -51.9% |
| Other Intangible Assets | 33 | 60 | -45.0% |
| Other Non-Current Assets | 3,201 | 3,671 | -12.8% |
| Total Assets | 79,801 | — | — |
| Operating Lease Right-of-Use Assets | 566 | — | — |
| Other Assets | |||
| Property Plant And Equipment And Finance Lease Right Of Use Asset After Accumulated Depreciation And Amortization | 1,656 | 1,496 | +10.7% |
| Current Liabilities | |||
| Accounts Payable | 208 | 165 | +26.1% |
| Funds Payable And Amounts Due To Customers | 40,668 | 41,182 | -1.2% |
| Accrued Liabilities | 4,048 | 8,921 | -54.6% |
| Total Current Liabilities | 44,924 | 50,268 | -10.6% |
| Current Portion of Long-Term Debt (Q) | — | — | — |
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| Senior Notes | -155 | -2,460 | +93.7% |
| Non-Current Liabilities | |||
| Other Non-Current Liabilities | 3,403 | 3,093 | +10.0% |
| Long-Term Debt | 11,276 | 9,976 | +13.0% |
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| Senior Notes | 10,670 | 9,343 | +14.2% |
| Total Liabilities | 59,603 | — | — |
| Operating Lease Liabilities | 575 | — | — |
| Stockholders' Equity | |||
| Treasury Stock Common Value | -31,624 | -25,851 | -22.3% |
| Additional Paid-In Capital | 21,359 | 20,426 | +4.6% |
| Retained Earnings | 31,163 | 26,226 | +18.8% |
| Accumulated Other Comprehensive Income | -700 | -627 | -11.6% |
| Total Stockholders' Equity | 20,198 | 20,174 | +0.1% |
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| Accumulated Other Comprehensive Income | -700 | -627 | -11.6% |
| Additional Paid In Capital | 21,359 | 20,426 | +4.6% |
| Retained Earnings | 31,163 | 26,226 | +18.8% |
| Treasury Stock Common | -31,624 | -25,851 | -22.3% |
| Total Liabilities & Equity | 79,801 | 83,511 | -4.4% |
Cash Flow Statement
| Metric | YTD Q3 2025 | YTD Q3 2024 | YoY |
|---|---|---|---|
| Operating Activities | |||
| Depreciation & Amortization | 729 | 783 | -6.9% |
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| Reportable Segment | 729 | 783 | -6.9% |
| Stock-Based Compensation | 792 | 947 | -16.4% |
| Deferred Income Taxes | 93 | 8 | +1062.5% |
| Gain Loss On Investments | -69 | 226 | -130.5% |
| Accretion Amortization Of Discounts And Premiums Investments | -77 | -290 | +73.4% |
| Gain Loss On Sales Of Loans Net | 122 | 92 | +32.6% |
| Other Non-Cash Items | -245 | -138 | -77.5% |
| Increase Decrease In Originations Of Financing Receivables Held For Sale | -24,040 | -17,173 | -40.0% |
| Proceeds From Sale And Collection Of Loans Heldforsale | 23,160 | 17,159 | +35.0% |
| Change in Accounts Receivable | 11 | 31 | -64.5% |
| Increase Decrease In Accounts Payable Trade | -6 | 24 | -125.0% |
| Increase Decrease In Other Operating Capital Net | -1,564 | -647 | -141.7% |
| Net Cash from Operations | 4,032 | 5,056 | -20.3% |
| Investing Activities | |||
| Payments For Securities Purchased Under Agreements To Resell | -201 | -299 | +32.8% |
| Proceeds From Securities Purchased Under Agreements To Resell | 288 | 226 | +27.4% |
| Capital Expenditures | -658 | -480 | -37.1% |
| Proceeds From Sale Of Property Plant And Equipment | 3 | — | — |
| Purchases And Payments For Originations Of Loans Receivable | -15,904 | -15,374 | -3.4% |
| Proceeds From Sale And Collection Of Loans Receivable | 15,945 | 14,705 | +8.4% |
| Payments To Acquire Investments | -15,951 | -20,819 | +23.4% |
| Proceeds From Sale And Maturity Of Securities | 19,027 | 21,179 | -10.2% |
| Increase Decrease In Funds Receivable Investing Activities | -1,232 | 152 | -910.5% |
| Payments For Proceeds From Hedging And Derivative Instrument Investing Activities | -207 | -58 | -256.9% |
| Other Investing Activities | -15 | -100 | +85.0% |
| Net Cash from Investing | 1,095 | -768 | +242.6% |
| Financing Activities | |||
| Proceeds From Securities Sold Under Agreements To Repurchase | 2,949 | 656 | +349.5% |
| Payments For Securities Sold Under Agreements To Repurchase | -2,949 | -656 | -349.5% |
| Proceeds From Issuance Of Common Stock | 74 | 55 | +34.5% |
| Share Repurchases | -4,551 | -4,778 | +4.8% |
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| June 2022 Stock Repurchase Program | -4.5 | -4.8 | +6.2% |
| Tax Withholding for Share Compensation | -317 | -271 | -17.0% |
| Proceeds From Issuance Of Debt | 2,237 | 1,546 | +44.7% |
| Debt Repayments | -1,954 | -411 | -375.4% |
| Increase Decrease In Funds Payable And Amounts Due To Customers | 663 | -771 | +186.0% |
| Payments For Proceeds From Hedging And Derivative Instrument And Securities Purchased Under Agreements To Resell Financing Activities | -155 | -1 | -15400.0% |
| Proceeds From Payments For Other Financing Activities | -6 | -60 | +90.0% |
| Net Cash from Financing | -4,009 | -4,691 | +14.5% |
| Supplemental | |||
| Interest Paid | 210 | 168 | +25.0% |
| Income Taxes Paid | 1,033 | 975 | +5.9% |
| Other Cash Flow | |||
| Effect Of Exchange Rate On Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | 245 | 103 | +137.9% |
| Net Change in Cash | 1,363 | -300 | +554.3% |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | 23,853 | 21,534 | +10.8% |
| Restricted Cash And Cash Equivalents (Q) | — | — | — |
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| Funds receivable and customer accounts | 14,858 | 14,161 | +4.9% |
Values in millions USD. Source: SEC EDGAR 10-Q filing.