Fundamental Analysis
PYPL
PayPal
Bullish
Summary
PayPal's Bullish rating is driven chiefly by materially stronger net income versus revenue: three-year revenue CAGR is 6.4% while three-year net income growth runs much higher, supported by a latest annual net income gain of +26.2%. The balance sheet shows assets roughly 1.33 times liabilities and a Piotroski score of 6, signaling generally healthy fundamentals despite some leverage tests failing. The most recent quarter posted a $1,113,000,000 net income but both quarterly revenue and net income directions are declining, which contradicts the multi-year annual improvement and bears watching. Overall the deterministic score rests on multi-year profitability strength counterbalanced by a weakening latest quarter and mixed trend alignment.
Revenue — Annual Comparison
Net Income — Annual Comparison
Quarterly Detail Charts
Quarterly Revenue
Quarterly Net Income
Piotroski F-Score Breakdown
6/8 · Neutral
Profitability — Net income positive this fiscal year
Pass
Return on Assets — Return on Assets improved year-over-year
Pass
Leverage down — Long-term debt / total assets improved
Fail
Liquidity up — Current ratio improved year-over-year
Pass
No share dilution — Share count did not increase year-over-year
Pass
Margin up — Gross margin expanded year-over-year
N/A
Asset efficiency — Asset turnover improved year-over-year
Pass
Data Source
Fundamental filing data sourced from the SEC’s EDGAR database. Company filings are used for the charts and summary figures on this page.
Recent Filings
Formula & Methodology
Revenue inputAnnual revenue trend contributes 40% of the score.
Net income inputAnnual net income trend contributes 60% of the score.
Rating ruleFormula: revenue trend carries 40% of the rating and net income trend carries 60%. Bullish starts at 0.60 or higher, Bearish starts at -0.60 or lower, and anything in between is Neutral.