PYPL PayPal

XNGS Up Alert

Financials

· How we analyze

About the company

PayPal is a US provider of digital payments. Individuals and merchants use the platform to pay online and send money. The group also includes Venmo and the payment processor Braintree. The service is available in a great many countries. As of Oct 11, 2026

Fact sheet (from the annual report) Miscellaneous business services · San Jose, USA

PayPal runs a global payments network that connects consumers and merchants online and in stores. Consumers use the PayPal and Venmo digital wallets to pay, manage their finances and send money to friends. Merchants receive branded and unbranded checkout processing, installment payments, point-of-sale solutions, financing and risk management tools. Revenue comes mainly from fees on processed payments, which are mostly based on the volume processed. In addition, there is income from currency conversion, instant transfers, cryptocurrency transactions, credit products and interest on customer balances.

Automatically summarized from SEC annual report (10-K, filed Feb 3, 2026) (website of the US Securities and Exchange Commission) · reviewed Oct 14, 2026

Price performance at a glance

Last 30 trading days
  • Today +2.0%
  • 7 days −1.8%
  • 30 days +1.9%
  • 1 year −20.2%
Day range (last trading day)
−3.1%Price at 76% of the range+1.0%
52-week range
−31.4%Price at 43% of the range+41.2%
Distance from the all-time high
−81.9%

Our own calculation from the exchange’s daily candles, as of Oct 27, 2026. “All-time” applies since the start of this series, not to the whole market. Changes in percent; the TradingView chart shows prices. “Today” = change of the last trading day versus the previous day. Not investment advice.

Where is the price relative to the buy zone?

No buy zone

There is currently no buy zone for this symbol under our Elliott rule. One only forms when the price pulls back after a strong rise.

An observation, not investment advice

Rule (4-hour candles) No active buy zone – the last one ended on Oct 21, 2026 · Buy zone no longer valid

Watcher Full history: every change of the buy zone with its date.

Automated analysis (rule-based)

How we analyze

Timeframe 4 hours · As of Oct 27, 2026

Elliott wave analysis PayPal (4-hour candles): Combination (W-X-Y), Corrective pattern (upward), Y complete (1 of 3 guidelines); no buy zone of the rule on this timeframe. Candlestick chart PYPL with 215 4-hour candles from May 26, 2026, 19:30 to Oct 27, 2026, 18:30. No buy zone of the rule on this timeframe – only the Elliott count: Combination (W-X-Y), Corrective pattern (upward), Y complete (1 of 3 guidelines) (X = 53% of W; Y = 32% of W), invalid on a close above the end of Y. No value axis. Automated analysis (rule-based), not investment advice. PYPL · 4-hour candles · Automated analysis (rule-based) No buy zone of the rule – Elliott count only invalid on a close above the end of Y 0 W X Y complete Jul Aug Sep Oct last candle Oct 27, 2026, 18:30 · not investment advice Without a buy zone of the rule: no value axis
  • 4-hour candles (green = close above open, red = below)
  • Elliott count (thin gold line, waves in circles; dashed circle = still in progress; small = subwaves; red dashed = invalidation level)

Elliott count: Combination (W-X-Y), Corrective pattern (upward), Y complete (1 of 3 guidelines) · X = 53% of W; Y = 32% of W

Note: Y truncated.

Note: Structure ambiguous: leg X, Y can also be read as three- or five-part.

Elliott count calculated automatically by fixed Elliott rules, not investment advice – display only, our buy zones do not use it. Provisional: The count can change with new candles.

Scenarios

Timeframe 4 hours · As of Oct 27, 2026 · from the Elliott count in the analysis chart

Weighting Main scenario (1 of 3 guidelines, weak) · no alternative

Weighting by guidelines met – not a probability.

Main scenario

weak · 1 of 3 guidelines

As long as the 4-hour close stays below the end of Y, this applies: complex countermove upward (Combination W-X-Y), Y complete – count points to falling prices.

Invalid if the 4-hour close is above the end of Y

Alternative

If that breaks, this count no longer applies. Currently no alternative that follows the rules.

Fundamental analysis

PayPal · Sector Financials · amounts in USD

Information only – does not affect the other analysis methods, not investment advice. Source: SEC filings, As of Feb 3, 2026.

Quality checks

Four angles on the annual figures. Each check counts how many disclosed criteria are met – criteria without data do not count. The bars show where the company ranks on each figure among the stocks we cover and within its sector.

Fiscal year to Dec 31, 2025

Quality 6 of 7 met · 1 without data

  • no data: Gross margin above 40% not stated in the SEC filings
  • met: Operating margin above 15% 18.3%
  • met: Net margin above 10% 15.8%
  • met: Return on equity above 15% 25.8%
  • met: Free cash flow margin above 10% 16.8%
  • met: Profit in each of the last 5 fiscal years 5 of 5
  • met: Free cash flow positive in each of the last 3 fiscal years 3 of 3
  • not met: Equity ratio above 30% 25.3%
Operating margin

18.3% Fiscal year 2025

Rank 54 of 100: higher than 54% of 192 peers (All). medium.

Rank 19 of 100: higher than 19% of 13 peers (Sector). weak.

Median Financials: 39.0%

Operating income divided by revenue: what the core business earns before interest and taxes.

Net margin

15.8% Fiscal year 2025

Rank 58 of 100: higher than 58% of 237 peers (All). medium.

Rank 23 of 100: higher than 23% of 33 peers (Sector). weak.

Median Financials: 26.2%

Profit after all costs, interest and taxes divided by revenue.

Return on equity

25.8% Fiscal year 2025

Rank 67 of 100: higher than 67% of 218 peers (All). strong.

Rank 77 of 100: higher than 77% of 32 peers (Sector). strong.

Median Financials: 13.9%

Net income divided by equity at fiscal year end.

Return on assets

6.5% Fiscal year 2025 (total assets at year end)

Rank 54 of 100: higher than 54% of 238 peers (All). medium.

Rank 80 of 100: higher than 80% of 33 peers (Sector). strong.

Median Financials: 2.4%

Net income divided by total assets at fiscal year end.

Equity ratio

25.3% Fiscal year 2025

Rank 35 of 100: higher than 35% of 239 peers (All). medium.

Rank 68 of 100: higher than 68% of 33 peers (Sector). strong.

Median Financials: 18.2%

Equity as a share of total assets. Usually low for banks.

Free cash flow margin

16.8% Fiscal year 2025

Rank 57 of 100: higher than 57% of 213 peers (All). medium.

Rank 33 of 100: higher than 33% of 23 peers (Sector). medium.

Median Financials: 25.8%

Free cash flow divided by revenue.

Free cash flow

5.6B USD Fiscal year 2025

Operating cash flow minus capital expenditure on property and equipment.

Growth 7 of 7 met

  • met: Over 3 years, revenue grew by more than 5% per year +6.4%
  • met: Over 5 years, revenue grew by more than 5% per year +9.1%
  • met: Over 10 years, revenue grew by more than 5% per year +13.6%
  • met: Over 3 years, EPS grew by more than 5% per year +37.3%
  • met: Over 5 years, EPS grew by more than 5% per year +8.9%
  • met: Revenue rose in at least 4 of the last 5 fiscal years 5 of 5
  • met: Revenue rose in the last fiscal year +4.3%
Revenue growth 3 years

+6.4% per year

Rank 42 of 100: higher than 42% of 230 peers (All). medium.

Rank 23 of 100: higher than 23% of 32 peers (Sector). weak.

Median Financials: +9.7%

Average growth per year over 3 fiscal years.

Revenue growth 5 years

+9.1% per year

Rank 42 of 100: higher than 42% of 217 peers (All). medium.

Rank 50 of 100: higher than 50% of 29 peers (Sector). medium.

Median Financials: +9.1%

Average growth per year over 5 fiscal years.

Revenue growth 10 years

+13.6% per year

Rank 78 of 100: higher than 78% of 157 peers (All). strong.

Rank 89 of 100: higher than 89% of 23 peers (Sector). strong.

Median Financials: +7.2%

Average growth per year over 10 fiscal years.

EPS growth 3 years

+37.3% per year

Rank 88 of 100: higher than 88% of 157 peers (All). strong.

Rank 94 of 100: higher than 94% of 24 peers (Sector). strong.

Median Financials: +17.6%

Growth of earnings per share per year, adjusted for stock splits.

EPS growth 5 years

+8.9% per year

Rank 36 of 100: higher than 36% of 146 peers (All). medium.

Rank 30 of 100: higher than 30% of 25 peers (Sector). weak.

Median Financials: +14.8%

Growth of earnings per share per year, adjusted for stock splits.

EPS growth 10 years

+18.4% per year

Rank 83 of 100: higher than 83% of 140 peers (All). strong.

Rank 94 of 100: higher than 94% of 24 peers (Sector). strong.

Median Financials: +11.5%

Growth of earnings per share per year, adjusted for stock splits.

Dividend 2 of 2 met · 5 without data

  • met: Pays a dividend 0.14 USD
  • met: Payout ratio at most 60% of earnings 3%
  • no data: Dividend paid in each of the last 5 fiscal years not reported as an annual figure for each of the last 5 fiscal years
  • no data: Dividend per share never lowered in the last 5 fiscal years not reported as an annual figure for each of the last 5 fiscal years
  • no data: Dividend per share higher than 5 years ago no comparable dividend 5 years ago
  • no data: Free cash flow per share covers the dividend not meaningful for banks and insurers
  • no data: Dividends paid over the last 5 years covered by free cash flow not meaningful for banks and insurers
Payout ratio

3% Fiscal year 2025

Dividend per share divided by earnings per share.

Free cash flow coverage

41.1x Fiscal year 2025

Free cash flow per share divided by dividend per share. From 1x the dividend is covered.

Financial strength 5 of 5 met · 1 without data

  • no data: Piotroski F-Score at least 7 of 9 not meaningful for banks and insurers
  • met: Long-term debt no higher than equity 0.49
  • met: Current assets cover current liabilities 1.29
  • met: Positive equity 20.3B USD
  • met: In 5 years, share count up by at most 5% −18.4%
  • met: Free cash flow positive in the last fiscal year 5.6B USD
Debt / equity

0.49 at fiscal year end

Rank 57 of 100: lower than 57% of 199 peers (All). medium.

Rank 63 of 100: lower than 63% of 26 peers (Sector). medium.

Median Financials: 0.83

Long-term financial debt divided by equity.

Liquidity (current ratio)

1.29 at fiscal year end

Rank 46 of 100: higher than 46% of 215 peers (All). medium.

Rank 65 of 100: higher than 65% of 13 peers (Sector). medium.

Median Financials: 1.10

Current assets divided by current liabilities.

Change in share count

−18.4% in 5 years

Rank 93 of 100: lower than 93% of 199 peers (All). strong.

Rank 90 of 100: lower than 90% of 24 peers (Sector). strong.

Median Financials: −6.1%

Change in diluted share count. Negative = share buybacks, positive = new shares.

Banks and insurers usually do not report gross margin, current assets or capital expenditure – those criteria then do not count. Debt is part of their business.

Price-based criteria (P/E, dividend yield) are shown to signed-in users.

Computed automatically from SEC annual reports – not investment advice. Describes the reported figures; points are not a rating of the stock. Rank 0–100 against the 239 stocks we cover and against the sector (from 5 peers); the stronger side is always on the right.

In short

  • Light green: Revenue grew over 5 years (+9.1% per year), at least as fast as the sector median.
  • Light yellow: Net income (total) grew over 5 years (+4.5% per year), more slowly than the sector median; per share +8.9% per year.
  • Light yellow: Net margin 15.8%, below the sector median (19.4%).
  • Light yellow: Debt higher than usual in the sector.
  • Light green: Profit in each of the last 10 fiscal years.

Summarized from the lights below. Describes the reported figures – not a recommendation to buy or sell.

RevenueNet income Net margin (below) in USD
  1. Fiscal year 2016 (Jan 1, 2016 – Dec 31, 2016): Revenue 10.8B USD · Net income 1.4B USD · Net margin 12.9%
  2. Fiscal year 2017 (Jan 1, 2017 – Dec 31, 2017): Revenue 13.1B USD · Net income 1.8B USD · Net margin 13.7%
  3. Fiscal year 2018 (Jan 1, 2018 – Dec 31, 2018): Revenue 15.5B USD · Net income 2.1B USD · Net margin 13.3%
  4. Fiscal year 2019 (Jan 1, 2019 – Dec 31, 2019): Revenue 17.8B USD · Net income 2.5B USD · Net margin 13.8%
  5. Fiscal year 2020 (Jan 1, 2020 – Dec 31, 2020): Revenue 21.5B USD · Net income 4.2B USD · Net margin 19.6%
  6. Fiscal year 2021 (Jan 1, 2021 – Dec 31, 2021): Revenue 25.4B USD · Net income 4.2B USD · Net margin 16.4%
  7. Fiscal year 2022 (Jan 1, 2022 – Dec 31, 2022): Revenue 27.5B USD · Net income 2.4B USD · Net margin 8.8%
  8. Fiscal year 2023 (Jan 1, 2023 – Dec 31, 2023): Revenue 29.8B USD · Net income 4.2B USD · Net margin 14.3%
  9. Fiscal year 2024 (Jan 1, 2024 – Dec 31, 2024): Revenue 31.8B USD · Net income 4.1B USD · Net margin 13.0%
  10. Fiscal year 2025 (Jan 1, 2025 – Dec 31, 2025): Revenue 33.2B USD · Net income 5.2B USD · Net margin 15.8%

Fiscal year 2025 (Jan 1, 2025 – Dec 31, 2025): Revenue 33.2B USD · Net income 5.2B USD · Net margin 15.8%

Figures over time

Where the money of a fiscal year goes and how margins, returns, balance sheet, cash flow and share count developed over up to 10 years. Each chart has one sentence saying what the trend shows.

Money flow in fiscal year 2025

Of 100 USD of revenue, 18.3 USD operating income and 15.8 USD net income remained.

Money flow as a table
Fiscal year 2025, amounts in USD, share of revenue
ItemAmountof revenue
Revenue33.2B USD100.0%
Operating income6.1B USD18.3%
Cost of revenue and operating expenses27.1B USD81.7%
Net income5.2B USD15.8%
Interest expense441.0M USD1.3%
Taxes & other (net)391.0M USD1.2%

Taxes, interest and other items are not available separately in the SEC data; they are combined as the difference.

Margins

The operating margin rose in 5 years from 15.3% to 18.3%.

Operating marginNet margin
  1. Fiscal year 2016: Operating margin 14.6% · Net margin 12.9%
  2. Fiscal year 2017: Operating margin 16.2% · Net margin 13.7%
  3. Fiscal year 2018: Operating margin 14.2% · Net margin 13.3%
  4. Fiscal year 2019: Operating margin 15.3% · Net margin 13.8%
  5. Fiscal year 2020: Operating margin 15.3% · Net margin 19.6%
  6. Fiscal year 2021: Operating margin 16.8% · Net margin 16.4%
  7. Fiscal year 2022: Operating margin 13.9% · Net margin 8.8%
  8. Fiscal year 2023: Operating margin 16.9% · Net margin 14.3%
  9. Fiscal year 2024: Operating margin 16.7% · Net margin 13.0%
  10. Fiscal year 2025: Operating margin 18.3% · Net margin 15.8%

Returns

Return on equity rose in 5 years from 21.0% to 25.8%.

Return on equityReturn on assets
  1. Fiscal year 2016: Return on equity 9.5% · Return on assets 4.2%
  2. Fiscal year 2017: Return on equity 11.2% · Return on assets 4.4%
  3. Fiscal year 2018: Return on equity 13.4% · Return on assets 4.7%
  4. Fiscal year 2019: Return on equity 14.6% · Return on assets 4.8%
  5. Fiscal year 2020: Return on equity 21.0% · Return on assets 6.0%
  6. Fiscal year 2021: Return on equity 19.2% · Return on assets 5.5%
  7. Fiscal year 2022: Return on equity 11.9% · Return on assets 3.1%
  8. Fiscal year 2023: Return on equity 20.2% · Return on assets 5.2%
  9. Fiscal year 2024: Return on equity 20.3% · Return on assets 5.1%
  10. Fiscal year 2025: Return on equity 25.8% · Return on assets 6.5%

Equity and long-term debt

The equity ratio fell in 5 years from 28.4% to 25.3%.

EquityLong-term debt in USD Long-term debt, depending on the filing, includes the current portion or leases.
  1. Fiscal year 2016: Equity 14.7B USD · Long-term debt not available
  2. Fiscal year 2017: Equity 16.0B USD · Long-term debt not available
  3. Fiscal year 2018: Equity 15.4B USD · Long-term debt 0.0 USD
  4. Fiscal year 2019: Equity 16.9B USD · Long-term debt 5.0B USD
  5. Fiscal year 2020: Equity 20.0B USD · Long-term debt 8.9B USD
  6. Fiscal year 2021: Equity 21.7B USD · Long-term debt 8.0B USD
  7. Fiscal year 2022: Equity 20.3B USD · Long-term debt 10.4B USD
  8. Fiscal year 2023: Equity 21.1B USD · Long-term debt 9.7B USD
  9. Fiscal year 2024: Equity 20.4B USD · Long-term debt 9.9B USD
  10. Fiscal year 2025: Equity 20.3B USD · Long-term debt 10.0B USD

Liquidity (current ratio)

The current ratio stayed roughly the same in 5 years (1.29).

Current ratio
  1. Fiscal year 2016: Current ratio 1.52
  2. Fiscal year 2017: Current ratio 1.43
  3. Fiscal year 2018: Current ratio 1.27
  4. Fiscal year 2019: Current ratio 1.43
  5. Fiscal year 2020: Current ratio 1.33
  6. Fiscal year 2021: Current ratio 1.22
  7. Fiscal year 2022: Current ratio 1.28
  8. Fiscal year 2023: Current ratio 1.29
  9. Fiscal year 2024: Current ratio 1.26
  10. Fiscal year 2025: Current ratio 1.29

Share count

The share count fell in 5 years by 18.4% (mostly through share repurchases).

Diluted share count
  1. Fiscal year 2016: Diluted share count 1.2B
  2. Fiscal year 2017: Diluted share count 1.2B
  3. Fiscal year 2018: Diluted share count 1.2B
  4. Fiscal year 2019: Diluted share count 1.2B
  5. Fiscal year 2020: Diluted share count 1.2B
  6. Fiscal year 2021: Diluted share count 1.2B
  7. Fiscal year 2022: Diluted share count 1.2B
  8. Fiscal year 2023: Diluted share count 1.1B
  9. Fiscal year 2024: Diluted share count 1.0B
  10. Fiscal year 2025: Diluted share count 968.0M

Banks and insurers: gross margin, current assets and capital expenditure are usually not reported and cash flow is not meaningful there – those lines and charts are omitted.

From annual reports filed with the SEC (10-K, 20-F, 40-F) as first reported, share count adjusted for splits; obvious filing errors (e.g. wrong unit, outliers against both neighbouring years) are hidden. Describes the reported figures – not investment advice.

Dividends and share repurchases

How much the company returns to its shareholders – as dividends or by repurchasing its own shares – and whether free cash flow supports it.

Dividend per share
0.14 USD · Fiscal year 2025
Dividend growth per year
3 y –5 y –10 y –
Years without a cut
0 as far as the data goes
Payout ratio
of earnings 3% of free cash flow 2%
To shareholders (5 years)
24.8B USD 99% through repurchases
Share count over 5 years
−18.4% fewer shares – each share is a larger stake

Dividend per share

Dividend per share USD per share Per share as filed with the SEC, including special dividends; obvious filing errors are hidden.
  1. Fiscal year 2016: Dividend per share not available
  2. Fiscal year 2017: Dividend per share not available
  3. Fiscal year 2018: Dividend per share not available
  4. Fiscal year 2019: Dividend per share not available
  5. Fiscal year 2020: Dividend per share not available
  6. Fiscal year 2021: Dividend per share not available
  7. Fiscal year 2022: Dividend per share not available
  8. Fiscal year 2023: Dividend per share not available
  9. Fiscal year 2024: Dividend per share not available
  10. Fiscal year 2025: Dividend per share 0.14 USD

Payout ratios

Payout ratio (earnings)Payout ratio (free cash flow)
  1. Fiscal year 2016: Payout ratio (earnings) not available · Payout ratio (free cash flow) not available
  2. Fiscal year 2017: Payout ratio (earnings) not available · Payout ratio (free cash flow) not available
  3. Fiscal year 2018: Payout ratio (earnings) not available · Payout ratio (free cash flow) not available
  4. Fiscal year 2019: Payout ratio (earnings) not available · Payout ratio (free cash flow) not available
  5. Fiscal year 2020: Payout ratio (earnings) not available · Payout ratio (free cash flow) not available
  6. Fiscal year 2021: Payout ratio (earnings) not available · Payout ratio (free cash flow) not available
  7. Fiscal year 2022: Payout ratio (earnings) not available · Payout ratio (free cash flow) not available
  8. Fiscal year 2023: Payout ratio (earnings) not available · Payout ratio (free cash flow) not available
  9. Fiscal year 2024: Payout ratio (earnings) not available · Payout ratio (free cash flow) not available
  10. Fiscal year 2025: Payout ratio (earnings) 2.6% · Payout ratio (free cash flow) 2.3%

What goes back to shareholders

Over 5 years, 24.8B USD went back to shareholders, 99% of it through share repurchases. That is 92% of the free cash flow of those years. This was offset by new shares issued for 644.0M USD (including employee plans).

Dividends paidShare repurchasesNew shares issued (including employee plans)Free cash flow in USD
  1. Fiscal year 2016: Dividends paid not available · Share repurchases 995.0M USD · New shares issued (including employee plans) 109.0M USD · Free cash flow 2.5B USD
  2. Fiscal year 2017: Dividends paid not available · Share repurchases 1.0B USD · New shares issued (including employee plans) 144.0M USD · Free cash flow 1.9B USD
  3. Fiscal year 2018: Dividends paid not available · Share repurchases 3.5B USD · New shares issued (including employee plans) 144.0M USD · Free cash flow 4.7B USD
  4. Fiscal year 2019: Dividends paid not available · Share repurchases 1.4B USD · New shares issued (including employee plans) 138.0M USD · Free cash flow 3.9B USD
  5. Fiscal year 2020: Dividends paid not available · Share repurchases 1.6B USD · New shares issued (including employee plans) 137.0M USD · Free cash flow 5.0B USD
  6. Fiscal year 2021: Dividends paid not available · Share repurchases 3.4B USD · New shares issued (including employee plans) 162.0M USD · Free cash flow 5.4B USD
  7. Fiscal year 2022: Dividends paid not available · Share repurchases 4.2B USD · New shares issued (including employee plans) 143.0M USD · Free cash flow 5.1B USD
  8. Fiscal year 2023: Dividends paid not available · Share repurchases 5.0B USD · New shares issued (including employee plans) 127.0M USD · Free cash flow 4.2B USD
  9. Fiscal year 2024: Dividends paid not available · Share repurchases 6.0B USD · New shares issued (including employee plans) 95.0M USD · Free cash flow 6.8B USD
  10. Fiscal year 2025: Dividends paid 130.0M USD · Share repurchases 6.1B USD · New shares issued (including employee plans) 117.0M USD · Free cash flow 5.6B USD

For banks and insurers free cash flow is not meaningful; ratios to free cash flow are usually omitted.

Dividends paid, repurchases and new shares issued from the cash flow statement of annual reports filed with the SEC (as first reported). Describes the reported figures – not investment advice.

Valuation over time

Price-based valuation (P/E, P/S, price/free cash flow and dividend yield per fiscal year, compared with its own average) for signed-in users.

Sector comparison

PayPal next to 8 stocks of the sector Financials we cover that are closest in revenue. Click a column header to sort the table.

Sector comparison PYPL, sector Financials; last row: sector median
Symbol Revenue (FY) Growth 5 yrsGross marginOp. marginNet marginROEEquity ratioFCF marginPiotroski
AXP American Express 41.3B USD +13.5%––26.2%32.4%11.2%––
V Visa Inc. 40.0B USD +12.9%–60.0%50.1%52.9%38.1%––
PYPL PayPal this stock 33.2B USD +9.1%–18.3%15.8%25.8%25.3%––
MA Mastercard 32.8B USD +16.5%–57.6%45.6%193.2%14.3%––
USB U.S. Bancorp 28.7B USD –––26.4%11.6%9.4%––
MRSH Marsh McLennan 27.0B USD +9.4%–23.1%15.4%27.2%26.1%––
BLK BlackRock 24.2B USD +8.4%–29.1%22.9%9.9%32.9%––
SCHW Charles Schwab Corporation 23.9B USD +15.4%––37.0%17.9%10.1%––
PNC PNC Financial Services 23.1B USD +6.4%––30.0%11.4%10.6%––
Median of the sector 33 symbols 27.0B USD +9.1%–39.0%26.2%13.9%18.2%––

Growth 5 yrs = revenue growth per year over 5 fiscal years · Op. margin = operating margin · ROE = return on equity · FCF = free cash flow · Piotroski = F-Score (only with all 9 criteria).

Banks and insurers: gross margin (only if reported), free cash flow margin and Piotroski are not meaningful there (“–”).

Figures of the last fiscal year from SEC annual reports (peers as of Oct 28, 2026). Median across all companies of the sector we cover (from 5 stocks; several share classes of one company count once). Signed-in users also see P/E, P/S and dividend yield in the comparison. Describes the reported figures – not investment advice.

Key figures with traffic lights

Each light follows a simple, disclosed rule. The comparison is with the sector median of all 79 symbols in the Financials sector on our list (current members of the S&P 500 and other lists).

Revenue growth

Light green: above sector

+9.1% per year, last 5 years

Sector Financials: median +8.8% (73 symbols)

What does this mean? Revenue: over 5 years it grew by 9.1% per year on average – at least as fast as the median company in the sector (+8.8%).

Light rule: Green: grows at least as fast as the sector median (without a sector comparison: grows) · Yellow: grows more slowly · Red: shrinks.

Net income (total)

Light yellow: below sector

+4.5% per year, last 5 years

Sector Financials: median +13.8% (71 symbols)

per share: +8.9% per year (5 years, split-adjusted)

What does this mean? Total net income: over 5 years it grew by 4.5% per year on average, but more slowly than the median company in the sector (+13.8%).

Light rule: Green: grows at least as fast as the sector median (without a sector comparison: grows) · Yellow: grows more slowly · Red: shrinks.

Net margin

Light yellow: below sector

15.8% last fiscal year

Sector Financials: median 19.4% (75 symbols)

What does this mean? Of every 100 USD in revenue, 15.78 USD remained as profit – less than the median company in the sector (19.4%). Five years ago the margin was 19.6%.

Light rule: Green: at least the sector median (without a sector comparison: profit) · Yellow: profit, but below the median · Red: loss.

Debt / equity

Light yellow: higher than sector

0.69 latest balance sheet

Sector Financials: median 0.63 (60 symbols)

What does this mean? For every 1 USD of equity there is 0.69 USD of financial debt – more than the median company in the sector (0.63). For banks and insurers, debt is part of the business – so the comparison is only with their own sector.

Light rule: Green: at most the sector median · Yellow: up to twice the median · Red: more than twice · Gray: without a sector comparison.

Payout ratio

Light green: covered

3% Dividend / earnings per share

Sector Financials: median 34% (58 symbols)

What does this mean? Of every 1 USD of earnings per share, 0.03 USD went to shareholders as a dividend. The rest stays in the company. Median company in the sector: 34%.

Light rule: Green: up to 60% of earnings · Yellow: up to 100% · Red: more than earnings or a dividend despite a loss · Gray for real estate (REITs). The sector median is for comparison only.

Profitable years

Light green: profit every year

10 of 10 fiscal years with a profit

What does this mean? In 10 of the last 10 fiscal years the bottom line showed a profit. There were no losses in this period.

Light rule: Green: profit in every year · Yellow: one loss year · Red: several loss years (at least 3 years needed).

Last fiscal year and 13F

Information, not a trading signal · Source: SEC EDGAR
Revenue (FY)
33.2B USD
Revenue vs. prior year
+4.3%
Net income (FY)
5.2B USD
Net income vs. prior year
+26.2%
EPS (FY)
5.41 USD
13F funds with a position
1 of 9
Funds vs. prior quarter
−1
Shares held vs. prior quarter
−8.3%
Fiscal year to Dec 31, 2025 · 10-K filed Feb 3, 2026 · Balance sheet Sep 30, 2026 (filed Oct 27, 2026) · Price-based figures (P/E, P/S, dividend yield, market cap) only when logged in. · Values as first reported; debt = reported financial debt (US GAAP: long-term). 13F: reporting date Jun 30, 2026, 9 tracked funds have filed (latest Aug 14, 2026), filed with up to 45 days of delay. Stock positions only; comparison with Mar 31, 2026 only across funds that filed for both quarters.
All figures as a table
Fiscal years (amounts in USD, per share in USD)
YearEndRevenueNet income MarginEarnings per shareDividend per sharePayout
2025Dec 31, 2025 33.2B5.2B 15.8% 5.41 0.14 3%
2024Dec 31, 2024 31.8B4.1B 13.0% 3.99 – –
2023Dec 31, 2023 29.8B4.2B 14.3% 3.84 – –
2022Dec 31, 2022 27.5B2.4B 8.8% 2.09 – –
2021Dec 31, 2021 25.4B4.2B 16.4% 3.52 – –
2020Dec 31, 2020 21.5B4.2B 19.6% 3.54 – –
2019Dec 31, 2019 17.8B2.5B 13.8% 2.07 – –
2018Dec 31, 2018 15.5B2.1B 13.3% 1.71 – –
2017Dec 31, 2017 13.1B1.8B 13.7% 1.47 – –
2016Dec 31, 2016 10.8B1.4B 12.9% 1.15 – –
Quarters (amounts in USD, per share in USD)
QuarterEndRevenueNet income MarginEarnings per shareDividend per sharePayout
Q3/26Sep 30, 2026 8.6B1.1B 12.5% 1.25 0.14 11%
Q2/26Jun 30, 2026 8.7B1.1B 12.7% 1.25 0.14 11%
Q1/26Mar 31, 2026 8.4B1.1B 13.3% 1.21 0.14 12%
Q4/25*Dec 31, 2025 8.7B1.4B 16.6% – 0.14 –
Q3/25Sep 30, 2025 8.4B1.2B 14.8% 1.30 – –
Q2/25Jun 30, 2025 8.3B1.3B 15.2% 1.29 – –
Q1/25Mar 31, 2025 7.8B1.3B 16.5% 1.29 – –
Q4/24*Dec 31, 2024 8.4B1.1B 13.4% – – –
Q3/24Sep 30, 2024 7.8B1.0B 12.9% 0.99 – –
Q2/24Jun 30, 2024 7.9B1.1B 14.3% 1.08 – –
Q1/24Mar 31, 2024 7.7B888.0M 11.5% 0.83 – –
Q4/23*Dec 31, 2023 8.0B1.4B 17.5% – – –

* Q4 derived: fiscal year minus the 9-month value (EPS cannot be derived this way); may be distorted by restatements.

How we calculate: values as first reported to the SEC (later corrections are left out), a fixed order of reporting tags per figure, partial sums are never added up. Growth per year over 5 years (otherwise 3 years). Quarters are labeled by the calendar quarter in which they end.

Insiders

All insider transactions
Insider purchases and sales on the market over 3, 6 and 12 months
PeriodPurchasesSalesNet
3 months $00 people $848.1K3 people −$848.1K
6 months $254.5K1 person $2.0M3 people −$1.7M
12 months $254.5K1 person $8.3M5 people −$8.0M

Latest transactions

  • Sep 3, 2026 Keller Frank Officer Open-market sale · 10b5-1 plan 1,185 shares · $67.2K · SEC
  • Sep 3, 2026 Keller Frank Officer Open-market sale · 10b5-1 plan 1,000 shares · $55.7K · SEC
  • Sep 3, 2026 Keller Frank Officer Open-market sale · 10b5-1 plan 2,427 shares · $132.7K · SEC
  • Sep 3, 2026 Natali Chris Officer Open-market sale · 10b5-1 plan 552 shares · $30.2K · SEC
  • Sep 3, 2026 Kereere Suzan Officer Open-market sale · 10b5-1 plan 1,284 shares · $72.8K · SEC
  • Sep 3, 2026 Kereere Suzan Officer Open-market sale · 10b5-1 plan 995 shares · $55.5K · SEC

Source: mandatory filings with the SEC (Form 4), open-market purchases and sales only. General information, not investment advice.

Trend score +55

Price vs. EMA 50+15
Price vs. EMA 200+15
EMA 50 vs. EMA 200+20
ADX (trend strength)+0
Highs and lows+20
Relative strength-15

Volatility and trend strength

ADX 14 (trend strength)21.4
Rel. strength 60 d−4.1%

ATR and moving averages as price values only when logged in.

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