Is PayPal financially healthy?
Yes
PayPal could pay off all its debt with 0.3 years of earnings.
The numbers behind it
Net debt / EBITDA0.3 years
Cash vs. debt$8.0B vs. $11.4B
Current ratio1.3×Short-term assets for each $1 of bills due within a year
Interest coverage15.3×How many times operating profit covers the interest bill
How we decide
We measure debt in years of earnings (net debt / EBITDA): under 1 is very comfortable, 1 to 3 is manageable, above 3 is heavy. A company that earns less than 3 times its interest bill also counts as weak.
More questions about PayPal
Data as of Nov 13, 2026.