PayPal Holdings, Inc. FY 2025 10-K, explained in plain English
Key financials — as reported
| Total revenue | $33.2B |
| Gross margin | — not reported |
| Operating income | $6.1B |
| Net income | $5.2B |
| Diluted EPS | $5.41 |
| Cash & equivalents | $8.0B |
| Total assets | $80.2B |
| Long-term debt | $10.0B |
Key takeaway
PayPal reported $33.2 billion in revenue and $6.1 billion in operating income for FY2025, with net income of $5.23 billion and diluted EPS of $5.41.
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Beneath the surface
Cash and equivalents of $8.05 billion look modest against $11.46 billion in total debt, but including the full $24.02 billion cash/restricted cash and $18.9 billion of available-for-sale securities, PayPal's liquid resources far exceed reported debt, suggesting the headline cash figure understates true liquidity strength.
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