PYPL PayPal
FY2025 10-K
PayPal (PYPL) filed its fiscal year 2025 10-K annual report with the SEC on Feb 3, 2026. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.
AI Filing AnalysisFY2025 10-K
Business Overview
- • Core business: Global two-sided digital payments platform connecting 439 million active accounts in 200 markets, serving consumers and merchants for online and in-person commerce
- • New emphasis: Expanded Buy Now, Pay Later (BNPL) products in U.S., Germany, France, U.K., Australia, and Japan under Paidy brand; enhanced consumer credit card offerings
Management Discussion & Analysis
- • No revenue or profitability figures disclosed in the provided text
- • No segment performance or profitability margins mentioned
Risk Factors
- • Regulatory/legal risk: exposure to uncertain tax positions under U.S. tax laws including NCTI and base erosion anti-abuse tax with potential $63 million income tax expense impact
- • Macroeconomic threat: loan loss allowance sensitive to 1% increase in principal and interest coverage ratio, causing $73 million increase in allowances on loans receivable
Financial SummaryXBRL
Revenue
$33.2B
Net Income
$5.2B
Operating Margin
18.3%
Net Margin
15.8%
ROE
25.8%
Total Assets
$80.2B
EPS (Diluted)
$5.41
Operating Cash Flow
$6.4B
Source: XBRL data from PayPal FY2025 10-K filing on SEC EDGAR. All figures in USD.
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