Keuangan PayPal Holdings, Inc. (PYPL)
NASDAQ · Financial Services · Financial - Credit Services · Karyawan: 23.800 · CEO: Enrique J. Lores
- Harga
- $57,01 +0,11%
- Kapitalisasi pasar
- $47,4 M
- Nilai perusahaan
- $53,7 M
- Laporan terakhir
- Q3 '26 diajukan 2026-10-27
- Laporan berikutnya
- 2027-02-02 Estimasi EPS: $1,42
Pendapatan (TTM)$34,3 M+4,4% vs tahun lalu4 kuartal terakhir; batang = tiap kuartal
Margin operasional (TTM)18,3%+0,1 poin vs tahun laluLaba operasional: $6,29 M
Laba bersih (TTM)$4,73 M-3,9% vs tahun laluSetelah pajak, termasuk keuntungan non-operasional
Arus kas bebas (TTM)$6,3 M+13,2% vs tahun laluCapex: $794 jt
EPS dilusian (TTM)$5,24+5,0% vs tahun laluJumlah 4 kuartal terakhir
Kas neto-$3,19 M-512,7% vs tahun laluKas + investasi jangka pendek - utang
Valuasi & angka utama
- Kapitalisasi pasar
- $47,4 M EV $53,7 M
- Pendapatan
- $34,3 M 12 bulan terakhir
- Pertumbuhan pendapatan
- +4% Konsensus FY2026
- Margin laba
- 13,8% Laba bersih / pendapatan, TTM
- P/E
- 10,8× Forward 10,2× (FY2026)
- P/S
- 1,4× Harga / penjualan, TTM
- EV / EBITDA
- 7,2× TTM
- Arus kas bebas
- $6,3 M 12 bulan terakhir
- Laba bersih
- $4,73 M 12 bulan terakhir
- Estimasi pendapatan
- $34,6 M Konsensus FY2026
- Laba
- 2027-02-02 Estimasi pendapatan: $8,92 M
- Dividen
- $0,42 Per saham, 12 bulan terakhir
Poin-poin utama
Dihitung dari angka yang dilaporkan - setiap pernyataan menyertakan angka yang mendasarinya.
- Laporan terakhir (2026-10-27): pendapatan meleset 1,5%, EPS melampaui 10,7%Pendapatan $8,58 M vs $8,71 M yang diharapkan (-1,5%); EPS $1,45 vs $1,31 (+10,7%).
- Pertumbuhan pendapatan melambat: 2,0% yoyPendapatan Q3 '26: $8,58 M, rata-rata empat kuartal sebelumnya: 5,7%.
- Margin operasional 18,3% (TTM), dibanding tahun lalu: +0,1 poinLaba operasional tumbuh 4,9%, pendapatan tumbuh 4,4%.
- 10,3% dari laba sebelum pajak tergerus kerugian non-operasionalLaba sebelum pajak $5,7 M vs laba operasional $6,29 M (TTM). Kerugian dari kepemilikan saham dan pos sekali-pakai lainnya menekan laba bersih dan EPS - laba operasional adalah ukuran bisnis yang lebih bersih.
- Capex: 2,3% dari pendapatan (tahun lalu 2,6%)$794 jt diinvestasikan dalam 4 kuartal terakhir (-7,8% dibanding tahun sebelumnya). Arus kas bebas: $6,3 M = 133,3% dari laba bersih.
- $6,55 M dikembalikan ke pemegang saham = 104,0% dari arus kas bebasBuyback: $6,05 M (tahun lalu $5,82 M), dividen: $500 jt, kompensasi saham: $977 jt (TTM). Lebih besar dari arus kas bebas: dibayar dari kas atau utang.
- Jumlah saham dilusian turun dalam setahun: 12,3%Saham dilusian pada Q3 '26: 858 jt, setahun sebelumnya: 978 jt.
- Utang neto: $3,19 MKas + investasi jangka pendek: $10,3 M, utang termasuk sewa: $13,5 M; tahun lalu utang neto: $521 jt.
Kuartal terakhir: Q3 '26
Kuartal berakhir 2026-09-30. Dibandingkan dengan kuartal yang sama tahun lalu dan konsensus analis sebelum laporan.
Kuartal vs tahun lalu
| Q3 '26 | Tahun lalu | Perubahan | |
|---|---|---|---|
| Pendapatan | $8,58 M | $8,42 M | +2,0% |
| Margin kotor | 41,0% | 46,0% | -5,0 poin |
| Laba operasional | $1,4 M | $1,52 M | -7,8% |
| Margin operasional | 16,3% | 18,1% | -1,7 poin |
| Laba bersih | $1,07 M | $1,25 M | -14,0% |
| EPS dilusian | $1,25 | $1,30 | -3,8% |
| Arus kas operasional | $1,59 M | $1,97 M | -19,4% |
| Capex | $161 jt | $256 jt | -37,1% |
| Arus kas bebas | $1,43 M | $1,72 M | -16,7% |
| R&D | $831 jt | $801 jt | +3,7% |
| Kompensasi berbasis saham | $233 jt | $257 jt | -9,3% |
Dilaporkan vs konsensus
2026-10-27| Aktual | Konsensus | vs konsensus | |
|---|---|---|---|
| Pendapatan | $8,58 M | $8,71 M | -1,5% |
| EPS (basis konsensus) | $1,45 | $1,31 | +10,7% |
Dari laporan 2026-10-27 untuk Q3 '26: pendapatan dan EPS yang diperkirakan analis (sering disesuaikan), sehingga bisa berbeda dari EPS laporan keuangan di atas.
EPS vs konsensus
8 laporan terakhirPendapatan
Dari mana uang berasal - menurut lini bisnis dan wilayah, kuartal demi kuartal.
Pendapatan, laba operasional, dan pertumbuhan
kuartalanPendapatan per lini bisnis
bertumpuk, kuartalan| Segmen | Q3 '26 | yoy | Porsi | TTM | TTM yoy | 12 kuartal |
|---|---|---|---|---|---|---|
| Transaction Revenue | $7,71 M | +2,5% | 89,8% | $30,9 M | +4,4% | |
| Other Value Added Services | $873 jt | -2,5% | 10,2% | $3,43 M | +4,2% |
Pendapatan per wilayah
porsi dari total| Segmen | Q3 '26 | yoy | Porsi | TTM | TTM yoy | 12 kuartal |
|---|---|---|---|---|---|---|
| United States | $5 M | +5,2% | 58,3% | $19,9 M | +6,5% | |
| Countries Other Than US And United Kingdom | $3,58 M | -2,2% | 41,7% | $14,4 M | +1,5% |
Margin & struktur biaya
Berapa bagian dari setiap unit pendapatan yang tersisa di tiap tingkat - dan ke mana biaya mengalir.
Margin
kuartalanBiaya sebagai % pendapatan
kuartalanArus kas & alokasi modal
Kas yang dihasilkan, untuk apa kas itu digunakan, dan apa yang sampai ke pemegang saham.
Arus kas operasional, capex, arus kas bebas
kuartalanPenggunaan kas vs arus kas operasional
tahun fiskal4 kuartal terakhir
laporan arus kas- Arus kas operasional
- $7,09 M
- Capex
- -$794 jt
- Buyback
- -$6,05 M
- Dividen
- -$500 jt
- Akuisisi
- -$122 jt
- Utang neto diterbitkan
- $2,02 M
- Kompensasi berbasis saham
- $977 jt
- Arus kas bebas
- $6,3 M
- Dikembalikan ke pemegang saham / FCF
- 104,0%
Jumlah saham dan EPS
kuartalan, dilusianNeraca
Likuiditas, investasi, dan utang pada akhir setiap kuartal.
Kas, investasi, dan utang
akhir kuartalValuasi & imbal hasil
Multiple saat ini dibandingkan lima tahun fiskal terakhir perusahaan itu sendiri; target dan peringkat analis.
Multiple dan imbal hasil
TTM vs 5 tahun fiskal| Sekarang | Rata-rata 5 th | Posisi saat ini dalam rentang 5 tahun | |
|---|---|---|---|
| P/E (TTM) | 10,8× | 27,0× | 10,7× – 53,1× |
| EV / EBITDA | 7,2× | 17,7× | 7,5× – 40,3× |
| EV / Penjualan | 1,6× | 3,8× | 1,7× – 8,9× |
| Harga / FCF | 7,5× | 20,1× | 10,1× – 45,3× |
| Harga / Nilai buku | 2,5× | 4,9× | 2,8× – 10,2× |
| Imbal hasil FCF | 13,3% | 6,5% | 2,2% – 9,9% |
| Imbal hasil modal yang diinvestasikan | 14,4% | 12,0% | 8,2% – 15,0% |
| Imbal hasil ekuitas | 23,8% | 19,5% | 11,9% – 25,8% |
Analis
Target konsensus $55,88 (-2,0%)
rentang $45,00 – $70,00 · peringkat Hold
Beli kuat0
Beli25
Tahan40
Jual5
Jual kuat0
Prospek
Konsensus analis untuk tahun fiskal mendatang dan implikasinya pada harga saat ini.
Estimasi konsensus
| Tahun fiskal | Pendapatan | Pertumbuhan | EPS | Pertumbuhan | P/E pada harga saat ini | Analis (EPS) |
|---|---|---|---|---|---|---|
| FY2026 | $34,6 M | +4,2% | $5,57 | +2,9% | 10,2× | 26 |
| FY2027 | $36 M | +4,2% | $5,90 | +6,1% | 9,7× | 27 |
| FY2028 | $37,7 M | +4,6% | $6,41 | +8,5% | 8,9× | 19 |
| FY2029 | $38,8 M | +3,0% | $6,61 | +3,1% | 8,6× | 8 |
| FY2030 | $40,3 M | +4,0% | $6,89 | +4,3% | 8,3× | 14 |
Laporan keuangan
Setiap baris laporan laba rugi, neraca, dan laporan arus kas - 12 kuartal dan 10 tahun fiskal, sebagai nilai, % pendapatan, atau pertumbuhan.
Semua pos yang dilaporkan
Semua 301 angka yang ditandai PayPal Holdings, Inc. dalam laporan 10-Q / 10-K terbarunya, dengan label dan definisi resmi SEC - termasuk catatan (sewa, pajak, buyback, karyawan, ...).
| Pos (label SEC) | Kuartal terakhir | Tahun lalu | yoy | FY terakhir | FY sebelumnya | yoy |
|---|---|---|---|---|---|---|
| Accounts Payable, Current | $152 jt | $208 jt | -26,9% | $240 jt | $227 jt | +5,7% |
| Accounts Receivable, after Allowance for Credit Loss, Current | $716 jt | $973 jt | -26,4% | $840 jt | $984 jt | -14,6% |
| Accretion (Amortization) of Discounts and Premiums, Investments | $2 jt | $20 jt | -90,0% | $83 jt | $335 jt | -75,2% |
| Accrued Liabilities, Current | $4,28 M | $4,05 M | +5,8% | $6,01 M | $5,59 M | +7,4% |
| Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment | $8,11 M2025-12-31 | $7,48 M | +8,4% | $8,11 M | $7,48 M | +8,4% |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | -$486 jt | -$700 jt | +30,6% | -$658 jt | -$550 jt | -19,6% |
| Additional Paid in Capital | $22,3 M | $21,4 M | +4,2% | $21,6 M | $20,7 M | +4,2% |
| Advertising Expense | – | – | – | $867 jt | $574 jt | +51,0% |
| Amortization of Intangible Assets | $33 jt | $47 jt | -29,8% | $175 jt | $207 jt | -15,5% |
| Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount | 14 jt | 12 jt | +16,7% | 11 jt | 9 jt | +22,2% |
| APIC, Share-based Payment Arrangement, Increase for Cost Recognition | $263 jt | $289 jt | -9,0% | $1,14 M | $1,33 M | -14,4% |
| APIC, Share-based Payment Arrangement, Recognition and Exercise | -$54 jt | -$66 jt | +18,2% | -$258 jt | -$263 jt | +1,9% |
| Asset Impairment Charges | – | – | – | $0 | $0 | – |
| Assets | $81,6 M | $79,8 M | +2,3% | $80,2 M | $78,7 M | +1,8% |
| Assets, Current | $60,5 M | $60,2 M | +0,6% | $59,8 M | $58,2 M | +2,7% |
| Business Combination, Consideration Transferred | $134 jt2026-03-31 | – | – | $2,7 M2018-12-31 | $420 jt | +542,9% |
| Capital Expenditures Incurred but Not yet Paid | – | – | – | $9 jt | $14 jt | -35,7% |
| Cash and Cash Equivalents, at Carrying Value | $7,16 M | $9 M | -20,4% | $8,05 M | $6,66 M | +20,8% |
| Cash and Cash Equivalents, Fair Value Disclosure | $8 M2025-12-31 | $6,6 M | +21,2% | $8 M | $6,6 M | +21,2% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $20,1 M | $23,9 M | -15,8% | $24 M | $22,5 M | +6,8% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | -$1,88 M | $4,87 M | -138,7% | $1,53 M | $656 jt | +132,9% |
| Common Stock, Dividends, Per Share, Declared | $0,14 | – | – | $0,14 | – | – |
| Common Stock, Par or Stated Value Per Share | $0,00 | $0,00 | 0,0% | $0,00 | $0,00 | 0,0% |
| Common Stock, Shares Authorized | 4 M | 4 M | 0,0% | 4 M | 4 M | 0,0% |
| Common Stock, Shares, Outstanding | 837 jt | 941 jt | -11,1% | 920 jt | 993 jt | -7,4% |
| Common Stock, Value, Issued | $0 | $0 | – | $0 | $0 | – |
| Comprehensive Income (Loss), Net of Tax, Attributable to Parent | $1,09 M | $1,29 M | -15,3% | $5,13 M | $4,34 M | +18,0% |
| Contract with Customer, Asset, after Allowance for Credit Loss, Noncurrent | $287 jt | $203 jt | +41,4% | $238 jt | $207 jt | +15,0% |
| Current Federal Tax Expense (Benefit) | – | – | – | -$116 jt | $342 jt | -133,9% |
| Current Foreign Tax Expense (Benefit) | – | – | – | $893 jt | $502 jt | +77,9% |
| Current Income Tax Expense (Benefit) | – | – | – | $842 jt | $951 jt | -11,5% |
| Current State and Local Tax Expense (Benefit) | – | – | – | $65 jt | $107 jt | -39,3% |
| Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss | $119 jt | $121 jt | -1,7% | $101 jt | $140 jt | -27,9% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax | $9 jt | $18 jt | -50,0% | $18 jt | $29 jt | -37,9% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax | $36 jt | $6 jt | +500,0% | $5 jt | $15 jt | -66,7% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 10 | $3,27 M | $2,96 M | +10,3% | $3,28 M | $1,59 M | +106,8% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10 | $2,77 M | $2,47 M | +12,1% | $1,95 M | $3,33 M | -41,3% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five | $6,07 M | $3,95 M | +53,7% | $3,78 M | $4,97 M | -23,9% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One | $10,4 M | $9,39 M | +11,2% | $9,89 M | $11,4 M | -13,2% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer | $279 jt | $132 jt | +111,4% | $426 jt | $942 jt | -54,8% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss | $0 | $0 | – | $1 jt | $5 jt | -80,0% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months | $8,76 M | $5,72 M | +53,1% | $5,51 M | $5,64 M | -2,3% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss | $36 jt | $6 jt | +500,0% | $4 jt | $10 jt | -60,0% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 10 | $3,24 M | $2,97 M | +9,3% | $3,29 M | $1,58 M | +107,7% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10 | $2,77 M | $2,47 M | +11,9% | $1,95 M | $3,34 M | -41,5% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five | $6,07 M | $3,96 M | +53,5% | $3,79 M | $4,98 M | -23,9% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One | $10,4 M | $9,39 M | +11,2% | $9,89 M | $11,4 M | -13,2% |
| Debt Securities, Available-for-sale, Unrealized Loss Position | $9,04 M | $5,85 M | +54,4% | $5,93 M | $6,58 M | -9,8% |
| Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss | $36 jt | $6 jt | +500,0% | $5 jt | $15 jt | -66,7% |
| Debt, Current | $2,53 M | – | – | $02019-12-31 | $2 M | -100,0% |
| DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss | $22,5 M | $18,8 M | +20,1% | $18,9 M | $21,3 M | -11,2% |
| DebtSecuritiesAvailableForSaleExcludingAccruedInterest | $22,5 M | $18,8 M | +19,9% | $18,9 M | $21,3 M | -11,2% |
| DebtSecuritiesAvailableForSaleExcludingAccruedInterestNoncurrent | $3,05 M | $2 M | +52,8% | $2,42 M | $3 M | -19,4% |
| Deferred Federal Income Tax Expense (Benefit) | – | – | – | $295 jt | $278 jt | +6,1% |
| Deferred Foreign Income Tax Expense (Benefit) | – | – | – | -$63 jt | -$18 jt | -250,0% |
| Deferred Income Tax Expense (Benefit) | $85 jt | $182 jt | -53,3% | $217 jt | $231 jt | -6,1% |
| Deferred State and Local Income Tax Expense (Benefit) | – | – | – | -$15 jt | -$29 jt | +48,3% |
| Deferred Tax Assets, Capital Loss Carryforwards | $299 jt2025-12-31 | – | – | $299 jt | – | – |
| Deferred Tax Assets, Gross | $2,53 M2025-12-31 | $2,24 M | +13,2% | $2,53 M | $2,24 M | +13,2% |
| Deferred Tax Assets, Net | $1,25 M2025-12-31 | $1,5 M | -16,4% | $1,25 M | $1,5 M | -16,4% |
Sumber: SEC companyfacts (XBRL setiap 10-Q / 10-K). Kuartal arus kas dihitung dari angka kumulatif tahun berjalan yang ditandai dalam 10-Q. Rincian segmen ditandai dengan dimensi dan ditampilkan di bagian segmen.
Sumber
Laporan keuangan, pendapatan segmen, metrik, estimasi: Financial Modeling Prep. Laba segmen dan setiap pos yang dilaporkan: SEC EDGAR (XBRL). Laporan yang dibaca: 10-Q 2026-09-30, 10-Q 2026-06-30, 10-Q 2026-03-31, 10-K 2025-12-31, 10-Q 2025-09-30, 10-Q 2025-06-30, 10-Q 2025-03-31, 10-K 2024-12-31, 10-Q 2024-09-30
Data per 2026-11-02