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PayPal Holdings, Inc. PYPL Interest coverage

Interest coverage at other companies

American Express logo
American ExpressAXP
2.7×+0.1×
Mastercard logo
MastercardMA
27.1×+3.3×
Visa logo
VisaV
42.3×+8.7×
Affirm Holdings, Inc. logo
Affirm Holdings, Inc.AFRM
+0.8×
Synchrony Financial logo
Synchrony FinancialSYF
2.2×+0.3×
U.S. Bancorp logo
U.S. BancorpUSB
1.7×+0.1×

Other financials

Income statement

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Revenue$8.4B+7.2%
Operating income$1.5B-2.8%
Net income$1.1B-13.5%
EPS (diluted)$1.21-6.2%

Balance sheet

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Cash & equivalents$22.4B+245%
Total debt$10.1B-17.3%
Total equity$20.0B-1.1%
Total assets$80.5B-0.9%

Cash flow

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Operating cash flow$1.1B-2.2%
CapEx$231.0M+17.9%
Free cash flow$903.0M-6.3%

Valuation

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Market cap$37.12B-35.5%
Enterprise value$24.75B-58.3%
P/E7.3×-5.3×
P/S1.1×-0.7×

Profitability

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Operating margin17.9%0.0pp
Net margin15%+0.7pp

Returns & leverage

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Return on equity25.1%+2.9pp
Debt / equity0.5×-0.1×
Current ratio1.3×0.0×

Where this comes from

Calculated from PayPal Holdings, Inc.’s reported figures.

Based on trailing twelve months.

The official record: PayPal Holdings, Inc.’s 10-Q, filed May 5, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is PayPal Holdings, Inc.'s interest coverage?
PayPal Holdings, Inc. (PYPL) reported interest coverage of 13.4× in Q1 2026.
How has PayPal Holdings, Inc.'s interest coverage changed year-over-year?
PayPal Holdings, Inc.'s interest coverage decreased by 5.9% year-over-year, from 14.3× to 13.4×.
What is the long-term trend for PayPal Holdings, Inc.'s interest coverage?
Over 4 years (2021 to 2025), PayPal Holdings, Inc.'s interest coverage has grown at a -6.7% compound annual growth rate (CAGR), from 73.9× to 56×.
What does interest coverage mean?
How many times the company's operating profit covers its interest bill.
How do you interpret interest coverage?
Higher is safer; below ~2× is a warning that earnings provide little cushion against the debt burden. Debt-free companies have no interest expense and the ratio is left blank.
How does interest coverage compare across companies?
Comparable across leveraged non-financials; less relevant for net-cash companies with negligible interest.