PayPal Holdings, Inc.

PYPL

Quality scores

Data as of Sep 5, 2026

9 / 9

Strong

9/9 — SOLID fundamentals (high quality).

PassROA > 0 — ROA last year = 6.53 %
PassFCF > 0 — FCF last year = 5,564.00 mill.
PassFCF > net income (accrual quality) — FCF 5,564.00 vs. net income 5,233.00 (mill.)
PassRising ROA — ROA 6.53 % vs. prior year 5.27 %

PassLower long-term leverage — long-term debt/assets 0.12 vs. prior 0.13
PassRising current ratio (more liquidity) — Current ratio 1.29 vs. prior 1.28
PassNo dilution (shares do not grow) — Shares 920.00 mill. vs. prior 993.00 mill.

Z-Score (original)

1.88

Grey zone

Z''-Score (non-manufacturing)

6.52

Safe zone

Ratio	Value
X1 — Working capital / Total assets	0.17
X2 — Retained earnings / Total assets	0.40
X3 — EBIT / Total assets	0.08
X4 — Market cap / Total liabilities	0.75
X4 — Book equity / Total liabilities	0.34
X5 — Sales / Total assets	0.41