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PYPLPayPal

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Where it stands

PYPL among the 76 companies we cover

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Every dot is one of the 76 companies, the better end on the right. Hover a dot for the company.

Sales growth

+4.3%59th of 76 · median +7.2%

Net margin

13.8%57th of 76 · median 20.4%

Return on equity

24.3%17th of 74 · median 16.7%

Free cash flow margin

18.4%31st of 49 · median 21.5%

Debt / equity (less is better)

0.7031st of 62 · median 0.70

PYPL and 9 peers, year by year

The 9 Financials companies closest to PYPL in revenue over the last twelve months. Every number is from the 10-K and links to it in SEC's Inline XBRL viewer.

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Choose the peers

Each company's latest fiscal year
Company	Year	Revenue	Sales growth	Operating margin	Net margin	FCF margin	Return on equity	Debt / equity
PYPL PayPal	FY2025	$33.2B	+4.3%	18.3%	15.8%	16.8%	25.8%	0.57
MA Mastercard	FY2025	$32.8B	+16.4%	57.6%	45.6%	52.3%	193.5%	2.46
APO Apollo Global Management	FY2025	$32.0B	+22.7%	-	10.9%	-	15.0%	0.57
USB U.S. Bancorp	FY2025	$28.7B	+4.4%	-	26.4%	-	11.6%	1.20
HIG The Hartford	FY2025	$28.4B	+3.3%	-	13.5%	20.3%	20.2%	0.23
BLK BlackRock	FY2025	$24.2B	+18.7%	29.1%	22.9%	14.7%	9.9%	0.23
MRSH Marsh McLennan	FY2025	$27.0B	+10.3%	23.1%	15.4%	18.5%	27.2%	1.28
AIG American International Group	FY2025	$26.8B	−1.7%	-	11.6%	-	7.5%	0.22
SCHW Charles Schwab Corporation	FY2025	$23.9B	+22.0%	-	37.0%	36.6%	17.9%	0.49
PNC PNC Financial Services	FY2025	$23.1B	+7.2%	-	28.5%	-	10.9%	0.94

Revenuepeer median $27.0B

Sales growthpeer median +10.3%

Operating marginpeer median 29.1%

MA 57.6%
BLK 29.1%
MRSH 23.1%
PYPL 18.3%
APO -
USB -
HIG -
AIG -
SCHW -
PNC -

Net marginpeer median 22.9%

FCF marginpeer median 20.3%

MA 52.3%
SCHW 36.6%
HIG 20.3%
MRSH 18.5%
PYPL 16.8%
BLK 14.7%
APO -
USB -
AIG -
PNC -

Return on equitypeer median 15.0%

Debt / equitypeer median 0.57

MA 2.46
MRSH 1.28
USB 1.20
PNC 0.94
APO 0.57
PYPL 0.57
SCHW 0.49
HIG 0.23
BLK 0.23
AIG 0.22

RevenueSales growthOperating marginNet marginFree cash flowFCF marginReturn on equityDebt / equityEPS (diluted)

Revenue, FY2016 to FY2025

Revenue as reported in the 10-K.

Company	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
PYPL Dec	$10.8B	$13.1B	$15.5B	$17.8B	$21.5B	$25.4B	$27.5B	$29.8B	$31.8B	$33.2B
MA Dec	$10.8B	$12.5B	$21.8B	$25.0B	$23.6B	$29.8B	$22.2B	$25.1B	$28.2B	$32.8B
APO Dec	-	-	-	-	$2.4B	$6.0B	$11.0B	$32.6B	$26.1B	$32.0B
USB Dec	$21.3B	$21.9B	$22.6B	$22.9B	$23.2B	$22.7B	$24.3B	$28.1B	$27.5B	$28.7B
HIG Dec	$16.3B	$17.2B	$19.0B	$20.7B	$20.5B	$22.4B	$22.4B	$24.5B	$26.5B	$28.4B
BLK Dec	-	-	-	-	-	-	$17.9B	$17.9B	$20.4B	$24.2B
MRSH Dec	$13.2B	$14.0B	$14.9B	$16.7B	$17.2B	$19.8B	$20.7B	$22.7B	$24.5B	$27.0B
AIG Dec	$52.4B	$47.4B	-	$49.7B	$43.7B	$52.2B	$30.0B	$27.9B	$27.3B	$26.8B
SCHW Dec	$7.5B	$8.6B	$10.1B	$10.7B	$11.7B	$18.5B	$20.8B	$18.8B	$19.6B	$23.9B
PNC Dec	$15.2B	$16.3B	$16.2B	$16.8B	$16.9B	$19.2B	$21.1B	$21.5B	$21.6B	$23.1B
Peer median	$15.2B	$16.3B	$17.6B	$20.7B	$18.9B	$21.1B	$21.1B	$24.5B	$26.1B	$27.0B

Sales growth, FY2016 to FY2025

Revenue against the fiscal year before.

Company	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
PYPL Dec	+17.2%	+20.8%	+18.0%	+15.0%	+20.7%	+18.3%	+8.5%	+8.2%	+6.8%	+4.3%
MA Dec	+11.5%	+16.0%	+19.6%	+14.4%	−5.5%	+23.4%	+17.8%	+12.9%	+12.2%	+16.4%
APO Dec	-	-	-	-	-	+153%	+84.3%	+198%	−20.0%	+22.7%
USB Dec	+4.9%	+3.5%	+3.4%	+1.1%	+1.5%	−2.2%	+7.0%	+15.8%	−2.4%	+4.4%
HIG Dec	+0.7%	+5.3%	+13.2%	−1.0%	−3.1%	+15.4%	−9.3%	−2.9%	+5.5%	+3.3%
BLK Dec	-	-	-	-	-	-	-	−0.1%	+14.3%	+18.7%
MRSH Dec	-	+6.2%	+6.6%	+11.4%	+3.4%	+15.1%	+4.5%	+9.7%	+7.6%	+10.3%
AIG Dec	−10.2%	−4.3%	-	+5.0%	−12.1%	+19.0%	+4.4%	−6.9%	−2.5%	−1.7%
SCHW Dec	+17.2%	+15.2%	+17.6%	+5.8%	+9.0%	+58.4%	+12.1%	−9.3%	+4.1%	+22.0%
PNC Dec	−0.4%	+7.7%	+4.9%	+4.0%	+0.4%	+13.7%	+9.9%	+1.8%	+0.3%	+7.2%
Peer median	+2.8%	+6.2%	+9.9%	+5.0%	+0.4%	+17.2%	+8.4%	+1.8%	+4.1%	+10.3%

Operating margin, FY2016 to FY2025

Operating income / revenue.

Company	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
PYPL Dec	14.6%	16.2%	14.2%	15.3%	15.3%	16.8%	13.9%	16.9%	16.7%	18.3%
MA Dec	53.5%	53.0%	33.4%	38.7%	34.2%	33.8%	55.2%	55.8%	55.3%	57.6%
APO Dec	-	-	-	-	-	-	-	-	-	-
USB Dec	-	-	-	-	-	-	-	-	-	-
HIG Dec	-	-	-	-	-	-	-	-	-	-
BLK Dec	-	-	-	-	-	-	35.7%	35.1%	37.1%	29.1%
MRSH Dec	18.4%	18.9%	18.5%	16.1%	17.8%	21.8%	20.7%	23.2%	23.8%	23.1%
AIG Dec	-	-	-	-	-	-	-	-	-	-
SCHW Dec	-	-	-	-	-	-	-	-	-	-
PNC Dec	-	-	-	-	-	-	-	-	-	-
Peer median	-	-	-	-	-	-	35.7%	35.1%	37.1%	29.1%

Net margin, FY2016 to FY2025

Net income / revenue.

Company	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
PYPL Dec	12.9%	13.7%	13.3%	13.8%	19.6%	16.4%	8.8%	14.3%	13.0%	15.8%
MA Dec	37.7%	31.3%	26.8%	32.5%	27.1%	29.1%	44.7%	44.6%	45.7%	45.6%
APO Dec	-	-	-	-	6.7%	30.9%	−17.9%	15.5%	17.5%	10.9%
USB Dec	27.6%	28.4%	31.3%	30.2%	21.4%	35.0%	24.0%	19.3%	22.9%	26.4%
HIG Dec	5.5%	−18.2%	9.5%	10.1%	8.5%	10.6%	8.1%	10.2%	11.7%	13.5%
BLK Dec	-	-	-	-	-	-	29.0%	30.8%	31.2%	22.9%
MRSH Dec	13.4%	10.6%	11.0%	10.5%	11.7%	15.9%	14.7%	16.5%	16.6%	15.4%
AIG Dec	−1.6%	0.0%	-	6.7%	−13.6%	19.9%	34.1%	13.0%	−5.2%	11.6%
SCHW Dec	25.3%	27.3%	34.6%	34.5%	28.2%	31.6%	34.6%	26.9%	30.3%	37.0%
PNC Dec	24.2%	30.9%	26.3%	25.4%	16.1%	28.2%	27.0%	23.9%	25.5%	28.5%
Peer median	24.2%	27.3%	26.6%	25.4%	13.9%	28.6%	27.0%	19.3%	22.9%	22.9%

Free cash flow, FY2016 to FY2025

Cash from operations minus capital spending.

Company	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
PYPL Dec	$2.5B	$1.9B	$4.7B	$3.4B	$5.4B	$4.9B	$5.1B	$4.2B	$6.8B	$5.6B
MA Dec	$4.4B	$5.4B	$5.9B	$7.8B	$6.9B	$9.1B	$10.8B	$11.6B	$14.3B	$17.2B
APO Dec	-	-	-	-	-	-	-	-	-	-
USB Dec	-	-	-	-	-	-	-	-	-	-
HIG Dec	$1.8B	$1.9B	$2.7B	$3.4B	$3.8B	$4.0B	$3.8B	$4.0B	$5.8B	$5.8B
BLK Dec	-	-	-	-	-	-	$4.4B	$3.8B	$4.7B	$3.6B
MRSH Dec	$1.8B	$1.6B	$2.1B	$1.9B	$3.0B	$3.1B	$3.0B	$3.8B	$4.0B	$5.0B
AIG Dec	$2.4B	−$762.0M	-	−$2.1B	$685.0M	$5.9B	$3.9B	$6.0B	-	-
SCHW Dec	$3.3B	−$1.2B	$11.9B	$8.6B	$6.2B	$1.2B	$1.1B	$18.9B	$2.0B	$8.8B
PNC Dec	-	-	-	-	-	-	-	-	-	-
Peer median	$2.4B	$1.6B	$4.3B	$3.4B	$3.8B	$4.0B	$3.9B	$5.0B	$4.7B	$5.8B

FCF margin, FY2016 to FY2025

Free cash flow / revenue.

Company	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
PYPL Dec	23.0%	14.2%	30.1%	18.9%	25.0%	19.3%	18.6%	14.2%	21.3%	16.8%
MA Dec	41.0%	42.9%	27.0%	31.1%	29.2%	30.3%	48.4%	46.3%	50.8%	52.3%
APO Dec	-	-	-	-	-	-	-	-	-	-
USB Dec	-	-	-	-	-	-	-	-	-	-
HIG Dec	11.3%	11.3%	14.4%	16.3%	18.3%	17.7%	17.1%	16.3%	21.7%	20.3%
BLK Dec	-	-	-	-	-	-	24.7%	21.4%	23.0%	14.7%
MRSH Dec	13.3%	11.3%	14.1%	11.7%	17.6%	15.7%	14.5%	16.9%	16.3%	18.5%
AIG Dec	4.6%	−1.6%	-	−4.2%	1.6%	11.3%	13.1%	21.5%	-	-
SCHW Dec	43.6%	−14.4%	117.3%	80.4%	53.2%	6.5%	5.2%	100.3%	10.5%	36.6%
PNC Dec	-	-	-	-	-	-	-	-	-	-
Peer median	13.3%	11.3%	20.7%	16.3%	18.3%	15.7%	15.8%	21.4%	21.7%	20.3%

Return on equity, FY2016 to FY2025

Net income / shareholders' equity at the year end.

Company	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
PYPL Dec	9.5%	11.2%	13.4%	14.6%	21.0%	19.2%	11.9%	20.2%	20.3%	25.8%
MA Dec	71.8%	71.6%	108.6%	137.8%	100.3%	118.8%	157.7%	161.6%	198.5%	193.5%
APO Dec	-	-	-	-	2.8%	48.5%	−29.5%	35.9%	26.5%	15.0%
USB Dec	12.4%	12.7%	13.9%	13.3%	9.3%	14.5%	11.5%	9.8%	10.8%	11.6%
HIG Dec	5.3%	−23.2%	13.8%	12.8%	9.4%	13.3%	13.3%	16.3%	18.9%	20.2%
BLK Dec	-	-	-	-	-	-	13.7%	14.0%	13.4%	9.9%
MRSH Dec	28.2%	20.0%	21.8%	21.9%	21.8%	28.0%	28.4%	30.4%	30.0%	27.2%
AIG Dec	−1.1%	0.0%	-	5.1%	−9.0%	15.7%	25.0%	8.0%	−3.3%	7.5%
SCHW Dec	11.5%	12.7%	17.0%	17.0%	5.9%	10.4%	19.6%	12.4%	12.3%	17.9%
PNC Dec	8.0%	10.6%	8.9%	8.7%	5.0%	9.7%	12.5%	10.0%	10.1%	10.9%
Peer median	11.5%	12.7%	15.4%	13.3%	7.6%	15.1%	13.7%	14.0%	13.4%	15.0%

Debt / equity, FY2016 to FY2025

Total debt / shareholders' equity at the year end.

Company	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
PYPL Dec	-	-	0.13	0.29	0.45	0.37	0.51	0.46	0.48	0.57
MA Dec	0.92	0.99	1.17	1.45	1.98	1.90	2.23	2.26	2.81	2.46
APO Dec	-	-	-	-	-	0.83	0.97	0.58	0.61	0.57
USB Dec	1.00	1.00	1.09	1.23	1.00	0.80	1.40	1.21	1.26	1.20
HIG Dec	0.33	0.35	0.33	0.27	0.23	0.28	0.32	0.28	0.27	0.23
BLK Dec	-	-	-	-	-	-	-	0.20	0.26	0.23
MRSH Dec	0.77	0.74	0.77	1.51	1.22	0.98	1.07	1.09	1.47	1.28
AIG Dec	0.41	0.61	-	0.54	0.57	0.46	0.70	0.24	0.21	0.22
SCHW Dec	0.18	1.07	0.33	0.34	0.24	0.39	0.58	0.64	0.46	0.49
PNC Dec	-	-	-	-	-	-	1.28	1.42	1.13	0.94
Peer median	0.59	0.86	0.77	0.89	0.78	0.80	1.02	0.64	0.61	0.57

EPS (diluted), FY2016 to FY2025

Diluted earnings per share, on today's share count after splits.

Company	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
PYPL Dec	$1.15	$1.47	$1.71	$2.07	$3.54	$3.52	$2.09	$3.84	$3.99	$5.41
MA Dec	$3.69	$3.65	$5.60	$7.94	$6.37	$8.76	$10.22	$11.83	$13.89	$16.52
APO Dec	-	-	-	-	$0.44	$7.32	−$3.43	$8.28	$7.33	$5.54
USB Dec	$3.24	$3.51	$4.14	$4.16	$3.06	$5.10	$3.69	$3.27	$3.79	$4.62
HIG Dec	$2.27	−$8.61	$4.95	$5.66	$4.76	$6.64	$5.46	$7.97	$10.35	$13.32
BLK Dec	-	-	-	-	-	-	$33.97	$36.51	$42.01	$35.31
MRSH Dec	$3.38	$2.87	$3.23	$3.41	$3.94	$6.13	$6.04	$7.53	$8.18	$8.43
AIG Dec	−$0.78	−$0.01	-	$3.74	−$6.88	$11.95	$12.94	$4.98	−$2.17	$5.43
SCHW Dec	$1.31	$1.61	$2.45	$2.67	$2.12	$2.83	$3.50	$2.54	$2.99	$4.65
PNC Dec	$7.30	$10.36	$10.71	$11.39	$16.96	$12.70	$13.85	$12.79	$13.74	$16.59
Peer median	$3.24	$2.87	$4.54	$4.16	$3.50	$6.98	$6.04	$7.97	$8.18	$8.43

Fiscal years are lined up as each company's 10-K names them; the month next to a ticker is when its year ends. Hover a number for the XBRL line items and the filing; click it to open the filing on sec.gov. "n/m" means not meaningful: equity below zero, or a base so close to zero that the ratio says nothing. The peer median leaves out PYPL and needs at least three peers with the number. P/E, P/S and P/FCF at each year end appear here once the site has daily prices. What the same companies write about AI, tariffs and more →

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