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Held by 1,452 of 5,944 reporting institutions (99th percentile) — extremely crowded.
Data as of Q1 2026
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Total shares institutions bought (green) vs sold (red) each quarter across all holders.
Inferred from quarter-over-quarter change in each fund's 13F position (new stakes count as buys, exits as sells). Not tick-level trades.
Solve the discounted cash flow backwards, then stress-test the assumptions.
To be worth $52.94 today, the market must believe free cash flow compounds -3.1%/yr for a decade (off $5.5B normalized FCF).
The market's -3.1% is more conservative than its 9-yr track record.
2-stage DCF · 0.92B shares · net debt $1.9B
mean 19.7% · volatility σ 59% · implied rate exceeded in 4/9 yrs
Central path = implied -3.1%/yr growth; shaded band = ±1σ (59%) of this company's historical FCF volatility, widening with time. The wider the band, the less certain the growth.
Reverse DCF: rather than guessing a fair value, we solve for the growth the current price implies, then you stress-test the assumptions. Enterprise value of the FCF stream, less net debt, ÷ shares. Educational — not a recommendation.
Top 40 institutional holders — bubble size is position value, color is the move since last quarter. Hover any holder for detail.
Drag any bubble to rearrange · size = dollar value of the position
Is the value real, and is the business safe? Academic scores + earnings quality + solvency, from SEC filings.
8/8 of the 9 checks — 1 couldn't be scored (see above), so the score is out of the 8 with data.
Safe > 2.99 · grey 1.81–2.99 · distress < 1.81
Needs granular two-year detail (receivables, PP&E, D&A, SG&A) — not fully reported.
Earnings are backed by cash (FCF ≥ net income) — high quality. Lower/negative accruals = higher quality (Sloan).
Comfortably covers interest; leverage falling year-over-year.
F-Score (0–9 fundamental momentum), Altman Z (distress risk), and Beneish M (earnings-manipulation screen) are academic models computed from the SEC filings. Screens and context — educational, not recommendations.
What the company returns to shareholders — and whether it's covered by cash.
The dividend is comfortably covered — only 2% of free cash flow, leaving room to grow it and fund buybacks. Last year: $130M dividends + $6.1B buybacks = $6.2B returned on $5.6B FCF.
1 consecutive years of dividend increases.
Yields use the latest fiscal-year dividends/buybacks over current market cap. Dividends and buybacks from the SEC cash-flow statement; payout coverage vs net income and free cash flow. Educational — not a recommendation.
How management deployed cash over 10 years — and what it earned on reinvestment.
A cash-return story — far more went to shareholders than back into the business (mature, low-reinvestment).
Reinvestment has been productive — operating income grew well per dollar put in. Current ROIC on all capital: 17%. Rough measure (includes maintenance capex).
Cash uses aggregated from the SEC cash-flow statement over 10 fiscal years. "Return on reinvestment" is a rough proxy — operating-income change ÷ cumulative CapEx + M&A — and includes maintenance capex. Educational — not a recommendation.
How much the company owes, how it's trended, and how comfortably it's serviced.
Cash of $8.0B covers the $1.4B due within a year 5.8× over. Scheduled principal only (excludes interest & revolver draws). As of 2025-12-31 (10-K).
Green ≤ 1.5× · amber ≤ 3× · red > 3× (leverage relative to cash earnings).
Interest is easily covered by operating profit. Effective rate ~4.4% on $10.0B of debt.
Cash vs short-term debt unavailable.
Mostly long-term debt (balance-sheet current vs non-current split). See the maturity ladder above for the year-by-year repayment schedule.
Debt, cash, interest and equity from the SEC balance sheet & income statement. Effective rate = interest ÷ average debt. Maturity ladder from the SEC long-term-debt repayment schedule. Educational — not a recommendation.
EOD close · as of 2026-09-17
How a revenue dollar becomes profit — FY2025
Each value shows its share of revenue below it (common-size).
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $33.17B 100.0% | $31.80B 100.0% | $29.77B 100.0% | $27.52B 100.0% | $25.37B 100.0% | $21.45B 100.0% | $17.77B 100.0% | $15.45B 100.0% | $13.09B 100.0% | $10.84B 100.0% |
| Research & Development | — | — | — | — | — | — | — | $1.07B 6.9% | $953.0M 7.3% | $834.0M 7.7% |
| Selling, General & Admin | $1.98B 6.0% | $2.15B 6.8% | $2.06B 6.9% | $2.10B 7.6% | $2.11B 8.3% | $2.07B 9.6% | $1.71B 9.6% | $1.54B 10.0% | $1.26B 9.6% | $1.15B 10.6% |
| Total Operating Expenses | $27.11B 81.7% | $26.47B 83.3% | $24.74B 83.1% | $23.68B 86.1% | $21.11B 83.2% | $18.16B 84.7% | $15.05B 84.7% | $13.26B 85.8% | $10.97B 83.8% | $9.26B 85.4% |
| Operating Income | $6.07B 18.3% | $5.33B 16.7% | $5.03B 16.9% | $3.84B 13.9% | $4.26B 16.8% | $3.29B 15.3% | $2.72B 15.3% | $2.19B 14.2% | $2.13B 16.2% | $1.59B 14.6% |
| Interest Expense | $441.0M 1.3% | $382.0M 1.2% | $347.0M 1.2% | $304.0M 1.1% | $232.0M 0.9% | $209.0M 1.0% | $115.0M 0.6% | $77.0M 0.5% | $7.0M 0.1% | $3.0M 0.0% |
| Other Income (Expense), net | $227.0M 0.7% | $4.0M 0.0% | $383.0M 1.3% | -$471.0M -1.7% | -$163.0M -0.6% | $1.78B 8.3% | $279.0M 1.6% | $182.0M 1.2% | $73.0M 0.6% | $45.0M 0.4% |
| Pretax Income | — | — | — | $3.37B 12.2% | $4.10B 16.2% | $5.07B 23.6% | $3.00B 16.9% | $2.38B 15.4% | $2.20B 16.8% | $1.63B 15.0% |
| Income Tax Expense | $1.06B 3.2% | $1.18B 3.7% | $1.17B 3.9% | $947.0M 3.4% | -$70.0M -0.3% | $863.0M 4.0% | $539.0M 3.0% | $319.0M 2.1% | $405.0M 3.1% | $230.0M 2.1% |
| Net Income | $5.23B 15.8% | $4.15B 13.0% | $4.25B 14.3% | $2.42B 8.8% | $4.17B 16.4% | $4.20B 19.6% | $2.46B 13.8% | $2.06B 13.3% | $1.79B 13.7% | $1.40B 12.9% |
| Per Share | ||||||||||
| EPS (Basic) | $5.46 | $4.03 | $3.85 | $2.10 | $3.55 | $3.58 | $2.09 | $1.74 | $1.49 | $1.16 |
| EPS (Diluted) | $5.41 | $3.99 | $3.84 | $2.09 | $3.52 | $3.54 | $2.07 | $1.71 | $1.47 | $1.15 |
| Weighted Avg Shares (Basic) | 959.0M | 1.03B | 1.10B | 1.15B | 1.17B | 1.17B | 1.17B | 1.18B | 1.20B | 1.21B |
| Weighted Avg Shares (Diluted) | 968.0M | 1.04B | 1.11B | 1.16B | 1.19B | 1.19B | 1.19B | 1.20B | 1.22B | 1.22B |
Source: SEC EDGAR XBRL filings (annual, fiscal year). Quarterly flow items are derived from cumulative filings; balance-sheet figures are as-of each period end. Ratios and margins are computed, not reported.
Total return (dividends reinvested) vs the market, from quarter-end prices.
Above 0 = ahead of the S&P 500 since the window start; below 0 = behind. Rising means it's pulling ahead.
How far the stock fell below its prior peak. Deeper, longer drawdowns = a rougher ride to the same return.
Quarter-end, dividend-adjusted (total return). Beta & volatility from quarterly returns (annualized). Benchmark is the S&P 500 (SPY total return). Annual returns compound the quarters ending in each calendar year; the first and last years in a window may be partial. Past performance doesn't predict future results.
EOD close · as of 2026-09-17
Nothing notable to watch.
No material risks flagged.
Where each multiple sits in its own 11-yr range · 0th pct blended
Dot = today · shaded = middle 50% · line = median. Lower percentile = cheaper vs its own 11-yr history.
Is the profit real, and how strong is the balance sheet?
FY2025 · every deduction from revenue to net income
DuPont — the three levers
Watch the leverage lever — a chunk of ROE comes from the balance sheet.
What the company owes vs. what it holds
Year-by-year maturities aren't in SEC companyfacts (footnote-only), so this shows the debt/cash structure and net leverage instead.
Latest year: profit growth vs revenue growth
High operating leverage: profit moved 3.2× as fast as sales — great in an upturn, painful in a downturn.
Each line as % of revenue — the trend in color
| % of revenue | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|
| R&D | 6.9 | — | — | — | — | — | — | — |
| SG&A | 10.0 | 9.6 | 9.6 | 8.3 | 7.6 | 6.9 | 6.8 | 6.0 |
| Operating Income | 14.2 | 15.3 | 15.3 | 16.8 | 13.9 | 16.9 | 16.7 | 18.3 |
| Income Tax | 2.1 | 3.0 | 4.0 | -0.3 | 3.4 | 3.9 | 3.7 | 3.2 |
| Net Income | 13.3 | 13.8 | 19.6 | 16.4 | 8.8 | 14.3 | 13.0 | 15.8 |
Green = margin-favorable vs the row's own range · red = unfavorable.
The metrics that matter, over time
A 30-second read on PYPL: price, valuation, headline fundamentals, and an auto-generated scorecard from SEC filings. Flags are rule-based signals, not recommendations.
Ranked against 838 sector peers with collected financials. Valuation from latest close × latest fiscal-year fundamentals; 13F conviction as of 2026-03-31.
Percentile is “goodness” within the peer set (100 = best). For valuation and leverage that means cheaper / less-levered ranks higher.
| Company | Mkt cap ▼ | P/E | EV/EBITDA | P/S | Rev gr | Gross | Net | ROE | ROIC | Net D/EBITDA | 13F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| JPM | $940.8B | 17.4× | — | 5.2× | 2.8% | — | 31.3% | 15.7% | 13.4% | — | 4,823 |
| V | $692.5B | — | — | 17.3× | 11.3% | — | 50.1% | 52.9% | 31.8% | — | 4,229 |
| MA | $513.8B | 34.4× | — | 15.7× | 16.4% | — | 45.6% | 193% | 56.0% | — | 3,430 |
| BAC | $417.6B | 15.2× | — | 3.7× | 6.8% | — | 27.0% | 10.1% | 4.9% | — | 3,337 |
| GS | $278.1B | 18.3× | — | — | — | — | — | 13.7% | 3.6% | — | 2,857 |
| WFC | $269.2B | 13.9× | — | — | — | — | — | 11.8% | 5.7% | — | 2,691 |
| AXP | $214.3B | 20.3× | — | 5.2× | 6.4% | — | 26.2% | 32.4% | 11.9% | — | 2,787 |
| TYFG | $191.9B | 14.2× | — | 11135.5× | 10.2% | — | 79.3% | 8.7% | 8.7% | — | 1 |
| SCHW | $189.7B | 22.6× | — | 7.9× | 22.0% | — | 37.0% | 17.9% | 17.9% | — | 2,225 |
| HDB | $171.3B | 21.5× | — | 6.7× | 15.2% | — | 30.8% | 8.8% | 4.5% | — | 570 |
| UBS | $168.5B | — | — | — | — | — | — | — | — | — | 660 |
| BLK | $160.8B | 29.4× | — | 6.6× | 89.3% | — | 22.9% | 9.9% | 8.1% | — | 2,196 |
| CB | $133.6B | 13.3× | — | 2.3× | 6.5% | — | 17.4% | 14.0% | 11.3% | — | 2,002 |
| GLD | $132.1B | — | — | — | — | — | — | — | — | — | 3,072 |
| PGR | $127.2B | 11.3× | — | 1.4× | 16.3% | — | 12.9% | 37.3% | 37.3% | — | 1,685 |
| SPGI | $121.5B | 27.8× | 17.4× | 7.9× | 7.9% | 70.2% | 29.2% | 14.4% | 10.1% | 1.7× | 2,005 |
| CME | $98.0B | 24.4× | — | 15.0× | 6.4% | — | 62.5% | 14.2% | 14.2% | — | 1,699 |
| USB | $95.6B | 12.9× | — | 3.3× | 4.4% | — | 26.4% | 11.6% | 9.2% | — | 1,901 |
| HOOD | $92.8B | 50.9× | — | 20.7× | 51.6% | — | 42.1% | 20.6% | 20.6% | — | 1,230 |
| BX | $92.4B | 31.9× | — | 6.4× | 9.2% | — | 20.9% | 34.8% | 14.2% | — | 2,037 |
| PNC | $91.7B | 13.9× | — | 4.0× | 7.2% | — | 30.3% | 11.5% | 5.9% | — | 1,839 |
| AMUB | $88.9B | — | — | — | — | — | — | — | — | — | 7 |
| ICE | $87.4B | 26.7× | 20.7× | 6.9× | 7.5% | — | 26.2% | 11.5% | 6.8% | 3.8× | 1,641 |
| KKR | $86.3B | — | — | 4.4× | -11.0% | — | 12.2% | 7.7% | 7.7% | — | 1,216 |
| MRSH | $85.7B | 21.0× | 15.6× | 3.2× | 10.3% | — | 15.4% | 27.2% | 11.9% | 3.0× | 1,471 |
| PYPL | $48.5B | 9.7× | 7.2× | 1.5× | 4.3% | — | 15.8% | 25.8% | 17.3% | 1.4× | 1,452 |
Peers = companies sharing PYPL's sector (Financial Services) with collected SEC financials. Multiples use the most recent end-of-day close and latest fiscal-year fundamentals (trailing, not forward). Missing cells mean the peer never reported that line item, has no collected price, or has a non-positive denominator. Not investment advice.