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PYPL
PayPal Holdings, Inc.
+61%
+4.9% per year

Past performance does not guarantee future results. The data presented is indicative and may not be updated in real-time.

Country US
Exchange NASDAQ
Industry Financial - Credit Services
Sector Financial Services
Market Cap $89.76B
CEO Mr. James Alexander Chriss

PayPal Holdings, Inc. is a company that helps people and businesses send and receive money online easily and safely. They offer services like PayPal, Venmo, and Braintree, which let you pay for things, send money to friends, or even accept payments for your business. With PayPal, you can use different currencies and access your money from various parts of the world. Founded in 1998 and based in San Jose, California, PayPal makes online payments simple for everyone.

Streams of revenue

Transaction Revenue: 90%
Other Value Added Services: 10%

Geographic Distribution

UNITED STATES: 58%
Countries Other Than US And United Kingdom: 42%

Core Products

🌍
Xoom International transfers
💰
Venmo Peer-to-peer payments
💸
PayPal Online payments
🔗
Braintree Payment gateway
💳
PayPal Credit Digital credit line

Business Type

B2C Business to Consumer

Competitive Advantages

🌐
Global Reach Operating in around 200 markets with multi-currency support allows PayPal to reach a vast customer base.
🔗
Network Effects The more users that adopt PayPal, the more valuable the platform becomes for merchants and consumers alike.
🌍
Brand Recognition PayPal is a well-established brand trusted by consumers and merchants, enhancing user adoption.
🔒
Security and Trust Strong security measures and buyer protection policies foster trust, encouraging users to transact safely.
💳
Diverse Payment Solutions A wide range of payment options caters to various consumer preferences, making PayPal a one-stop solution.

Key Business Risks

🏁
Market Competition Intense competition from other payment platforms can affect market share and pricing strategies.
💱
Currency Fluctuations Volatility in foreign exchange rates can impact profitability for international transactions.
🔒
Cybersecurity Threats Increased cyberattacks could compromise sensitive customer data and damage reputation.
⚖️
Regulatory Compliance Changes in regulations or compliance requirements could impact operations and increase costs.
⚙️
Technological Disruptions Rapid advancements in technology may render existing payment solutions obsolete or less competitive.

Meeting Expectations

9 /10

Higher values indicate better execution and credibility

Recent Results

Beat earnings 2025-02-04
Beat earnings 2024-10-29
Beat earnings 2024-07-30
Beat earnings 2024-04-30
Beat earnings 2024-02-07
Beat earnings 2023-11-01
Missed earnings 2023-08-02
Beat earnings 2023-05-08
Beat earnings 2023-02-09
Beat earnings 2022-11-03

Takeaways

PayPal has a strong market position and diverse product offerings, enabling significant growth potential. However, increasing competition and regulatory challenges pose risks to its long-term robustness.

Historical data shows an impressive CAGR compared with the USA stock market average, reflecting a strong market position.

Yearly Return 10Y annualized return is positive but below market average at 4.9% per year
Earnings Expectations PYPL has met or exceeded earnings expectations in most recent quarters (9/10)

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