PayPal Holdings (PYPL) Debt Ratio (2014 - 2026)
PayPal Holdings (PYPL) posted Debt Ratio of 0.12 for Q1 2026, down 6.22% quarter-over-quarter from 0.12 in Q4 2025, and down 16.84% year-on-year from 0.14 in Q1 2025.
PayPal Holdings (PYPL) Debt Ratio (2014 - 2026) Analysis & Trends
PayPal Holdings (PYPL) has reported Debt Ratio for 11 consecutive years, with 0.12 the latest figure, recorded in Q1 2026.
- Debt Ratio for Q1 2026 came in at 0.12, down 16.84% year-over-year; the trailing twelve-month figure through Mar 2026 was 0.12 (down 16.84% YoY), and the FY2025 annual result was 0.12, down 0.73% from the prior year.
- Debt Ratio was 0.12 for Q1 2026 at PayPal Holdings, down from 0.12 in the prior quarter.
- Over five years, Debt Ratio peaked at 0.14 in Q2 2025 and troughed at 0.11 in Q1 2022.
- Average Debt Ratio over 5 years is 0.13, with a median of 0.13 recorded in 2022.
- Year-over-year, Debt Ratio advanced 25.63% in 2022 and decreased 18.15% in 2024.
- Over 5 years, Debt Ratio stood at 0.13 in 2022, then declined by 11.12% to 0.12 in 2023, then rose by 6.56% to 0.13 in 2024, then retreated by 0.73% to 0.12 in 2025, then fell by 6.22% to 0.12 in 2026.
- Per Business Quant data, the three most recent Debt Ratio figures were 0.12 in Q1 2026, 0.12 in Q4 2025, and 0.14 in Q3 2025.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Debt Ratio (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 0.25 |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 0.36 |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 0.01 |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 0.12 |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 0.18 |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | - |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 0.02 |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 0.60 |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 3.53 |
| 10 | Sezzle | 5.91 Bn | 5.79 Bn | - | 0.32 |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 0.12 |
| Dec 31, 2025 | 0.12 |
| Sep 30, 2025 | 0.14 |
| Jun 30, 2025 | 0.14 |
| Mar 31, 2025 | 0.14 |
| Dec 31, 2024 | 0.13 |
| Sep 30, 2024 | 0.12 |
| Jun 30, 2024 | 0.12 |
| Mar 31, 2024 | 0.12 |
| Dec 31, 2023 | 0.12 |
| Sep 30, 2023 | 0.14 |
| Jun 30, 2023 | 0.14 |
| Mar 31, 2023 | 0.14 |
| Dec 31, 2022 | 0.13 |
| Sep 30, 2022 | 0.13 |
| Jun 30, 2022 | 0.13 |
| Mar 31, 2022 | 0.11 |
| Dec 31, 2021 | 0.11 |
| Sep 30, 2021 | 0.11 |
| Jun 30, 2021 | 0.12 |