NASDAQFinancials
Is PayPal Holdings, Inc. (PYPL) stock halal?
Does not pass
Fails the income test at 6.3% (limit under 5%).
Checked Jul 22, 2026.
FY2025 10-K (fiscal year ended December 31, 2025, filed February 3, 2026), Item 1, Note 2 (Revenue) and Note 11 (Loans and interest receivable). Core business is a two-sided payments platform (transaction revenues were ~90% of FY2025 net revenues), but PayPal also runs a substantial interest-earning credit business, loans and interest receivable, net of USD 6,705M plus USD 1,825M held for sale at March 31, 2026 (PayPal Credit, Working Capital, Business Loan), which is judged at the impermissible-income test below rather than as the primary line.Pass
From sec.gov. ~6.3% (≥USD 2.1B of USD 33,172M; ~7.9% including non-operating investment income)Limit under 5%Fail