PayPal Holdings (PYPL) Debt Ratio (2014 - 2026)

PayPal Holdings (PYPL) reported Debt Ratio of 0.12 for Q1 2026, down 16.84% on a YoY basis from 0.14 in Q1 2025, and down 6.22% quarter-over-quarter from 0.12 in Q4 2025.

PayPal Holdings (PYPL) Debt Ratio (2014 - 2026) Analysis & Trends

PayPal Holdings has reported Debt Ratio for 11 years, with the latest figure at 0.12 in Q1 2026.

  • For the quarter ending Q1 2026, Debt Ratio fell 16.84% year-over-year to 0.12; the trailing twelve-month figure through Mar 2026 stood at 0.12 (down 16.84% YoY), and the FY2025 full-year result was 0.12, down 0.73% from the prior year.
  • Debt Ratio for Q1 2026 stood at 0.12, down from 0.12 in the prior quarter.
  • The five-year high for Debt Ratio was 0.14 in Q2 2025, with the low at 0.11 in Q1 2022.
  • Historically, Debt Ratio has averaged 0.13 across 5 years, with a median of 0.13 in 2022.
  • Annual changes were most pronounced in 2022 — Debt Ratio rose 25.63% — and 2024, when it fell 18.15%.
  • PayPal Holdings' Debt Ratio stood at 0.13 in 2022, then decreased by 11.12% to 0.12 in 2023, then climbed by 6.56% to 0.13 in 2024, then dropped by 0.73% to 0.12 in 2025, then slipped by 6.22% to 0.12 in 2026.
  • The last three Debt Ratio figures came in at 0.12 (Q1 2026), 0.12 (Q4 2025), and 0.14 (Q3 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Debt Ratio (Qtr)
1 Visa 541.66 Bn 529.25 Bn - 0.25
2 Mastercard 437.55 Bn 427.34 Bn - 0.36
3 American Express 212.80 Bn 158.76 Bn 17.43 Bn 0.01
4 Capital One Financial 112.47 Bn 35.97 Bn - 0.06
5 PayPal Holdings 37.70 Bn 28.36 Bn 7.84 Bn 0.12
6 Synchrony Financial 24.26 Bn 3.70 Bn - 0.06
7 Affirm Holdings 21.24 Bn 19.51 Bn 261.64 Mn 0.18
8 SoFi Technologies 20.46 Bn 17.06 Bn 929.25 Mn -
9 Ally Financial 13.30 Bn 12.86 Bn 1.98 Bn 0.02
10 Credit Acceptance 6.24 Bn 6.21 Bn 562.70 Mn 0.60

Historic Data

Download Data
DateValue
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