Is PayPal Holdings, Inc. (PYPL) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Credit Services | ✗ NOT HALAL | |||
| DJIM | Excluded — Credit Services | ✗ NOT HALAL | |||
| MSCI | Excluded — Credit Services | ✗ NOT HALAL | |||
| S&P | Excluded — Credit Services | ✗ NOT HALAL | |||
| FTSE | Excluded — Credit Services | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 41.5% | |
| Operating Margin | 17.5% | |
| Net Margin | 15.8% | |
| Return on Equity (ROE) | 25.7% | |
| Return on Assets (ROA) | 4.9% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $6.4B |
| Free Cash Flow | $5.6B |
| Total Debt | $10.0B |
| Debt-to-Equity | 60.7 |
| Current Ratio | 1.3 |
| Total Assets | $80.2B |
Price & Trading
| Last Close | $45.20 |
| 50-Day MA | $46.62 |
| 200-Day MA | $62.31 |
| Avg Volume | 23.8M |
| Beta | 1.5 |
|
52-Week Range
$38.46
| |
About PayPal Holdings, Inc. (PYPL)
PayPal Holdings, Inc. operates a technology platform that enables digital payments for merchants and consumers worldwide. The company operates a two-sided network at scale that connects merchants and consumers that enables its customers to connect, transact, and send and receive payments through online and in person, as well as transfer and withdraw funds using various funding sources, such as bank accounts, PayPal or Venmo account balance, consumer credit and debit products, credit and debit cards, and cryptocurrencies, as well as other stored value products, including gift cards and eligible rewards. It provides payment solutions under the PayPal, PayPal Credit, Braintree, Venmo, Xoom, Hyperwallet, Honey, and Paidy names. The company was founded in 1998 and is headquartered in San Jose, California.
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Frequently Asked Questions
Is PayPal Holdings, Inc. (PYPL) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), PayPal Holdings, Inc. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is PayPal Holdings, Inc.'s debt ratio?
PayPal Holdings, Inc.'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are PayPal Holdings, Inc.'s key financial metrics?
PayPal Holdings, Inc. has a market capitalization of $40.8B, trailing P/E ratio of 8.1, and revenue of $33.2B. The company maintains a gross margin of 41.5% and a net margin of 15.8%. Return on equity stands at 25.7%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.