Company facts
- Industry
- Services-Business Services, NEC
- Headquarters
- San Jose, California
- Most recent report
- 10-Q, filed Oct 27, 2026
- Incorporated
- N/A
- Filings on record
- 1,006+ filings
- On EDGAR
- CIK 1633917
- Fiscal year ends
- December
- Filer status
- Large accelerated filer
Financials 8 of 39
News 8 of 127
Prospectuses and Registrations 8 of 47
- S-8 Registration statement for an employee plan May 19, 2026
- 424B2 Prospectus supplement for an offering May 14, 2026
- 424B2 Prospectus supplement for an offering May 13, 2026
- FWP Free writing prospectus May 12, 2026
- 424B2 Prospectus supplement for an offering May 12, 2026
- S-8 Registration statement for an employee plan Jul 29, 2025
- 424B2 Prospectus supplement for an offering Mar 5, 2025
- FWP Free writing prospectus Mar 3, 2025
Proxies 8 of 34
- DEFA14A Extra proxy material May 8, 2026
- DEFA14A Extra proxy material Apr 13, 2026
- DEFA14A Extra proxy material Apr 7, 2026
- DEF 14A Proxy statement for a shareholder vote Apr 7, 2026
- DEFA14A Extra proxy material May 16, 2025
- DEFA14A Extra proxy material Apr 21, 2025
- DEF 14A Proxy statement for a shareholder vote Apr 21, 2025
- DEFA14A Extra proxy material May 9, 2024
Ownership 8 of 734
- 4 Insider reported a trade Oct 30, 2026
- 144 Notice of a proposed sale of restricted stock Oct 28, 2026
- 4 Insider reported a trade Oct 16, 2026
- 4 Insider reported a trade Oct 16, 2026
- 4 Insider reported a trade Oct 16, 2026
- 4 Insider reported a trade Sep 16, 2026
- 4 Insider reported a trade Sep 8, 2026
- 4 Insider reported a trade Sep 8, 2026
Other 8 of 25
- ARS Annual report sent to shareholders Apr 7, 2026
- UPLOAD Comment letter from SEC staff Aug 5, 2025
- CORRESP Reply to SEC staff Jul 24, 2025
- UPLOAD Comment letter from SEC staff Jul 10, 2025
- CORRESP Reply to SEC staff Jun 24, 2025
- UPLOAD Comment letter from SEC staff Jun 11, 2025
- CORRESP Reply to SEC staff May 16, 2025
- UPLOAD Comment letter from SEC staff May 5, 2025
What to read: Sep 2026 10-Q
SECSift found 5 of 13 sections worth reading, with 0 positive, 15 notable, and 3 negative flags.
Financial Statements (Item 1)
Financial statements and notes with material balance-sheet, debt, and litigation details.Notable- Loans held for sale surged to $3.7B at Sep 30, 2026 from $1.7B at Dec 31, 2025.
- Consumer loan portfolio shrank to $4.2B at Sep 30, 2026 from $5.5B at Dec 31, 2025, partly due to reclassifications.
- Issued $2.0B in new notes in May 2026: $650M 4.550% due 2028, $850M 4.950% due 2031, $500M 5.550% due 2036.
- Repurchased 94M shares for $4.5B in 9M 2026 at avg $47.78; $9.4B remained under Feb 2025 authorization.
- IRS completed exam for 2015-2018 and proposed adjustments; PayPal disagrees and will contest via Appeals.
- Gross unrecognized tax benefits were $2.5B at both Sep 30, 2026 and Dec 31, 2025.
- Restructuring charges of $255M in Q3 2026 vs $69M in Q3 2025, including $152M for 3Q 2026 workforce reduction.
Management's Discussion (Item 2)
MD&A with restructuring, margin decline, debt issuance, and credit portfolio shifts.Market Risk (Item 3)
Methodology change slashed reported interest-rate sensitivity from $171M to $11M; real FX and equity risks quantified.Notable- Methodology change cut reported interest-rate sensitivity from $171M to $11M; portfolio composition unchanged.
- Fixed-rate debt principal rose to $12.3B at Sep 2026 from $10.4B at Dec 2025; floating-rate notes stayed at $450M.
- Revolving credit facility had $572M drawn at Sep 2026; a 100bp rate change would not materially affect interest expense.
- Net FX exposure after hedges: a 10% adverse move would reduce pre-tax income by $61M at Sep 2026, down from $71M at Dec 2025.
- Strategic investments fell to $1.7B at Sep 2026 from $1.9B at Dec 2025; a 10% drop would cut carrying value by $173M.
Risk Factors (Item 1A)
Company-specific risks: PYUSD stablecoin regulation, crypto custody bankruptcy risk, and fraud loss exposure.Other Information (Item 5)
Insider trading plan adoption with specific share count and officer name.
What changed: Sep 2026 vs. Jun 2026
About 6% of PYPL's Sep 2026 10-Q is new information. 30 paragraphs were added, 221 changed, and 29 removed. Below are the most important lines SECSift identified.
Changed
- Loans and interest receivable held for sale rose to $3.7 billion from $1.9 billion, including $1.5 billion Japan installment loans reclassified.
- FX hedge AOCI impact fell to $404M from $413M at Sep 30, 2026 vs Jun 30, 2026 for a 10% USD weakening.
- July repurchases: 10.2 shares at $51.43, leaving $10,329; prior April was 10.7 shares at $48.24, leaving $11,837.
- Long-term debt rose to $10,939M from $9,987M as of September 30, 2026 vs December 31, 2025.
- Ending balance fell to $9,353 from $10,853; total shares repurchased fell to 27.5 from 33.0.
- Loans and interest receivable, held for sale rose to $3,687M from $1,726M as of September 30, 2026 vs December 31, 2025.
- Losses in restructuring and other rose to $80 million (3Q) and $206 million (9M) from $65 million (2Q) and $126 million (6M).
- Opening balance changed from $12,354 as of March 31, 2026 to $10,853 as of June 30, 2026.
- Restructuring charges for the strategic reorganization rose to $17 million (3Q) and $61 million (9M) from $44 million (2Q) and $44 million (6M).
- Treasury stock increased to $(37,680)M from $(33,138)M as of September 30, 2026 vs December 31, 2025.
- Cash in cash equivalents fell to 54% from 61% as of Sep 30, 2026 vs Jun 30, 2026.
- Exhibit 101 now refers to quarter ended September 30, 2026 instead of June 30, 2026.
- Table number changed from 76 to 77.
Everything here comes from PayPal Holdings, Inc.'s own filings on SEC EDGAR. The filing list is rechecked every hour. SECSift analysis was completed on Oct 27, 2026, from the 10-Q for Sep 2026.