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Screener / SEC EDGAR /CIK 0001633917 /10-K filed Feb 3, 2026, compared with Feb 4, 2025 /Numbers from the XBRL of the 10-Ks
Financials peers:
APOBLKMRSHPYPLHIGMA
Nasdaq Financials · Business Services

PayPal PYPL

PYPL quote by TradingView

At PayPal Holdings, Inc., our mission is to revolutionize commerce globally. 10-K, Item 1

Employees
23,800
Headquarters
San Jose, CA
Next results
around Feb 2, 2027
Compare with peers Embed

PYPL among Financials peers

Six ratios from the latest 10-K. Each corner is the share of 75 peers the company is above, not a score.

Compare
Revenue growth: 4.3%, above 23% of 75 peers (their median 7.2%) REVENUE GROWTH 4.3% · above 23% Operating margin: 17.0%, above 33% of 27 peers (their median 26.3%) OPERATING MARGIN 17.0% · above 33% Net margin: 13.8%, above 25% of 75 peers (their median 20.7%) NET MARGIN 13.8% · above 25% FCF margin: 18.4%, above 38% of 48 peers (their median 21.5%) FCF MARGIN 18.4% · above 38% Return on capital: 5.0%, above 16% of 25 peers (their median 12.2%) RETURN ON CAPITAL 5.0% · above 16%
PYPL Peer median Below the median

What changed

7 new risk paragraphs. 10-K filed Feb 3, 2026 against Feb 4, 2025.

Risk factors
7 new paragraphs, nothing like them in the previous 10-K
10-K Item 1A
Accounting checks
10 other checks clear
10-K · XBRL
Insiders
No open-market buys in the last 90 days
Form 4
Filings
2 in the last 30 days
EDGAR

Each row opens the detail with the quote and the filing. A row is a change worth reading, not a verdict.

Accounting checks

10 checks on the latest 10-K. Checks, not verdicts.

How it works

0facts worth reading about all 10 checks found nothing to note

  • Receivables -14.6% vs revenue +4.3% (-19.0 pts)
  • Cash from operations $6.4B vs net income $5.2B (FY ending Dec 31, 2025)
  • Same auditor in both 10-Ks: PricewaterhouseCoopers LLP
7 more checks with nothing to note
  • No statement of substantial doubt about going concern
  • No 8-K item 4.02 in the last 2 years
  • No NT 10-K or NT 10-Q in the last 2 years
  • The same matters as last year: Allowance for Certain Consumer Loans Receivable
  • No sentence in the 10-K concludes that controls were not effective because of a material weakness
  • No 8-K item 2.06 in the last 2 years
  • No 8-K item 1.03 in the last 2 years

In their words

7 paragraphs in Risk Factors that were not in the 10-K filed Feb 4, 2025. Quoted as filed.

All 7 new paragraphs
  1. Item 1A · new paragraph · not in the 10-K filed Feb 4, 2025 10-K, ITEM 1A
    Evolving laws, regulations and stakeholder expectations with respect to environmental, social and governance matters could harm our reputation and adversely affect our business. Various jurisdictions both in the U.S. and internationally have adopted or are developing laws, regulations and policies relating to environmental, social and…
  2. Item 1A · new paragraph · not in the 10-K filed Feb 4, 2025 10-K, ITEM 1A
    The determination of our worldwide provision for income taxes and other tax liabilities requires estimation and significant judgment, and there are many transactions and calculations for which the ultimate tax determination is uncertain. Our future
  3. Item 1A · new paragraph · not in the 10-K filed Feb 4, 2025 10-K, ITEM 1A
    There can be no assurance that we will continue to repurchase stock or declare cash dividends, and stock repurchases or dividends could increase the volatility of our stock price and could diminish our cash reserves. We engage in share repurchases of our common stock from time to time, and our stock repurchase programs do not have…

New risk paragraphs, against peers

Latest 10-K of each, Financials companies closest in revenue

Paragraphs in Risk Factors with nothing like them in the company's 10-K the year before. A count of text, not of risk.

Financial performance

Last 4 fiscal years · 10-K XBRL

All years
MetricFY2022FY2023FY2024FY2025
Revenue$27.5B$29.8B$31.8B$33.2B
Net income$2.4B$4.2B$4.1B$5.2B
Operating cash flow$5.8B$4.8B$7.5B$6.4B
Free cash flow$5.1B$4.2B$6.8B$5.6B

Revenue, FY2016 to FY2025

Ten fiscal years, each from its own 10-K · XBRL · USD

$33.2B ▲ 4.3% in FY2025

FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Every number, year by year

Recent filings

2 filings in the last 30 days · SEC EDGAR

All filings

About the company

PayPal, San Jose, CA · from the 10-K filed Feb 3, 2026

At PayPal Holdings, Inc., our mission is to revolutionize commerce globally. Our products are designed to enable digital payments and simplify commerce experiences for consumers and merchants to make selling, shopping, and sending and receiving money simple, personalized, and secure, whether online or in-person. We operate a global, two-sided network at scale that connects consumers and merchants with 439 million active accounts across approximately 200 markets as of December 31, 2025.

Headquarters
San Jose, CA
Country
United States
Reports in
USD
Listed on
Nasdaq
Fiscal year ends
December 31
Last results
Oct 27, 2026

Employees, at the top of the page: "As of December 31, 2025, we employed approximately 23,800 people globally, with 46% in the Americas, 42% in Asia-Pacific, and 12% in Europe and the Middle East" (10-K). Address and exchange: SEC's company file.

Email alerts

Sources

The 10-K filed Feb 3, 2026 (open at SEC), compared with the 10-K filed Feb 4, 2025. Numbers from the XBRL of the 10-Ks; filings from SEC EDGAR.

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