Pay Pal Holdings Inc - Understand $pypl stock

$PYPL Market Cap: $86.01 Billion

Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue

$31.46B

TTM

Gross Margin

40.09%

TTM

Net Earnings

$4.428B

TTM

Current Assets

$62.67B

Q3 2024

Current Liabilities

$50.27B

Q3 2024

Current Ratio

124.68%

Q3 2024

Total Assets

$83.51B

Q3 2024

Total Liabilities

$63.34B

Q3 2024

Book Value

$20.17B

Q3 2024

Cash

$7.272B

Q3 2024

P/E

19.42

Nov 14, 2024 EST

Free Cash Flow

$7.045B

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012
Revenue	$29.77B	$27.52B	$25.37B	$21.45B	$17.77B	$15.45B	$13.09B	$10.84B	$9.248B	$8.025B	$6.727B	$5.662B
YoY Change	8.19%	8.46%	18.26%	20.72%	15.02%	18.0%	20.77%	17.24%	15.24%	19.3%	18.81%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012
Revenue	$29.77B	$27.52B	$25.37B	$21.45B	$17.77B	$15.45B	$13.09B	$10.84B	$9.248B	$8.025B	$6.727B	$5.662B
Cost Of Revenue	$17.99B	$15.87B	$13.45B	$11.45B	$9.785B	$8.337B	$6.794B	$5.701B	$4.529B	$3.807B	$3.287B	$2.697B
Gross Profit	$11.79B	$11.65B	$11.92B	$10.00B	$7.987B	$7.114B	$6.300B	$5.141B	$4.719B	$4.218B	$3.440B	$2.965B
Gross Profit Margin	39.59%	42.35%	46.99%	46.62%	44.94%	46.04%	48.11%	47.42%	51.03%	52.56%	51.14%	52.37%

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012
Selling, General & Admin	$3.868B	$4.356B	$4.559B	$3.931B	$3.112B	$2.855B	$2.400B	$2.117B	$1.810B	$1.687B	$1.169B	$1.007B
YoY Change	-11.2%	-4.45%	15.98%	26.32%	9.0%	18.96%	13.37%	16.96%	7.29%	44.31%	16.09%
% of Gross Profit	32.82%	37.38%	38.24%	39.31%	38.96%	40.13%	38.1%	41.18%	38.36%	40.0%	33.98%	33.96%
Research & Development	$2.973B	$3.253B	$3.038B	$2.642B	$2.085B	$1.071B	$953.0M	$834.0M	$792.0M	$747.0M	$727.0M	$677.0M
YoY Change	-8.61%	7.08%	14.99%	26.71%	94.68%	12.38%	14.27%	5.3%	6.02%	2.75%	7.39%
% of Gross Profit	25.23%	27.92%	25.48%	26.42%	26.1%	15.05%	15.13%	16.22%	16.78%	17.71%	21.13%	22.83%
Depreciation & Amortization	$1.072B	$1.317B	$1.265B	$1.189B	$912.0M	$776.0M	$805.0M	$724.0M	$608.0M	$516.0M	$453.0M	$382.0M
YoY Change	-18.6%	4.11%	6.39%	30.37%	17.53%	-3.6%	11.19%	19.08%	17.83%	13.91%	18.59%
% of Gross Profit	9.1%	11.3%	10.61%	11.89%	11.42%	10.91%	12.78%	14.08%	12.88%	12.23%	13.17%	12.88%
Operating Expenses	$24.74B	$23.68B	$21.11B	$18.17B	$15.05B	$13.26B	$10.97B	$9.256B	$7.787B	$6.757B	$5.636B	$2.066B
YoY Change	4.48%	12.18%	16.21%	20.67%	13.55%	20.88%	18.49%	18.86%	15.24%	19.89%	172.8%
Operating Profit	$5.028B	$3.837B	$4.262B	$3.289B	$2.719B	$2.194B	$2.127B	$1.586B	$1.461B	$1.268B	$1.091B	$899.0M
YoY Change	31.04%	-9.97%	29.58%	20.96%	23.93%	3.15%	34.11%	8.56%	15.22%	16.22%	21.36%

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012
Interest Expense	$347.0M	$304.0M	$232.0M	$209.0M	$115.0M	$77.00M	$7.000M	$3.000M	$17.00M	-$2.000M	$3.000M	$2.000M
YoY Change	14.14%	31.03%	11.0%	81.74%	49.35%	1000.0%	133.33%	-82.35%	-950.0%	-166.67%	50.0%
% of Operating Profit	6.9%	7.92%	5.44%	6.35%	4.23%	3.51%	0.33%	0.19%	1.16%	-0.16%	0.27%	0.22%
Other Income/Expense, Net	$383.0M	-$471.0M	-$163.0M	$1.776B	$279.0M	$182.0M	$73.00M	$45.00M	$27.00M	-$7.000M	-$7.000M	$9.000M
YoY Change	-181.32%	188.96%	-109.18%	536.56%	53.3%	149.32%	62.22%	66.67%	-485.71%	0.0%	-177.78%

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012
Pretax Income	$993.0M	$3.366B	$4.099B	$5.065B	$2.998B	$2.376B	$2.200B	$1.631B	$1.488B	$1.261B	$1.084B	$891.0M
YoY Change	-70.5%	-17.88%	-19.07%	68.95%	26.18%	8.0%	34.89%	9.61%	18.0%	16.33%	21.66%
Income Tax	$1.165B	$947.0M	-$70.00M	$863.0M	$539.0M	$319.0M	$405.0M	$230.0M	$260.0M	$842.0M	$129.0M	$113.0M
% Of Pretax Income	117.32%	28.13%	-1.71%	17.04%	17.98%	13.43%	18.41%	14.1%	17.47%	66.77%	11.9%	12.68%
Net Earnings	$4.246B	$2.419B	$4.169B	$4.202B	$2.459B	$2.057B	$1.795B	$1.401B	$1.228B	$419.0M	$955.0M	$778.0M
YoY Change	75.53%	-41.98%	-0.79%	70.88%	19.54%	14.6%	28.12%	14.09%	193.08%	-56.13%	22.75%
Net Earnings / Revenue	14.26%	8.79%	16.43%	19.59%	13.84%	13.31%	13.71%	12.92%	13.28%	5.22%	14.2%	13.74%
Basic Earnings Per Share	$3.85	$2.10	$3.55	$3.58	$2.09	$1.74	$1.49	$1.16	$1.00	$0.34	$0.78
Diluted Earnings Per Share	$3.84	$2.09	$3.52	$3.54	$2.07	$1.71	$1.47	$1.15	$1.00	$0.34	$0.78	$637.7K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013
Cash & Short-Term Investments	$14.06B	$10.85B	$9.391B	$13.00B	$10.76B	$9.109B	$5.695B	$4.975B	$3.411B	$2.230B	$1.925B
YoY Change	29.55%	15.55%	-27.77%	20.83%	18.14%	59.95%	14.47%	45.85%	52.96%	15.84%
Cash & Equivalents	$9.081B	$7.776B	$5.197B	$4.794B	$7.349B	$7.575B	$2.883B	$1.590B	$1.393B	$2.201B	$1.604B
Short-Term Investments	$4.976B	$3.075B	$4.194B	$8.208B	$3.412B	$1.534B	$2.812B	$3.385B	$2.018B	$29.00M	$321.0M
Other Short-Term Assets	$2.512B	$1.915B	$1.396B	$1.229B	$800.0M	$947.0M	$713.0M	$833.0M	$655.0M	$378.0M	$267.0M
YoY Change	31.17%	37.18%	13.59%	53.63%	-15.52%	32.82%	-14.41%	27.18%	73.28%	41.57%
Inventory
Prepaid Expenses
Receivables	$1.069B	$963.0M	$800.0M	$577.0M	$435.0M	$313.0M	$283.0M	$214.0M	$137.0M	$65.00M	$52.00M
Other Receivables	$44.93B	$43.79B	$40.99B	$36.19B	$26.50B	$22.59B	$25.95B	$19.71B	$16.45B	$14.89B	$12.38B
Total Short-Term Assets	$62.57B	$57.52B	$52.57B	$51.00B	$38.50B	$32.96B	$32.65B	$25.73B	$20.65B	$17.57B	$14.62B
YoY Change	8.78%	9.4%	3.1%	32.47%	16.78%	0.97%	26.86%	24.63%	17.55%	20.14%
Property, Plant & Equipment	$1.878B	$2.304B	$2.568B	$2.514B	$2.172B	$1.724B	$1.528B	$1.482B	$1.344B	$922.0M	$858.0M
YoY Change	-18.49%	-10.28%	2.15%	15.75%	25.99%	12.83%	3.1%	10.27%	45.77%	7.46%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments	$3.273B	$5.018B	$6.797B	$6.082B	$2.863B	$971.0M	$1.961B	$1.539B	$2.348B	$31.00M	$196.0M
YoY Change	-34.77%	-26.17%	11.76%	112.43%	194.85%	-50.48%	27.42%	-34.45%	7474.19%	-84.18%
Other Assets	$2.883B	$1.881B	$1.078B	$605.0M	$813.0M	$565.0M	$133.0M	$79.00M	$114.0M	$54.00M	$41.00M
YoY Change	53.27%	74.49%	78.18%	-25.58%	43.89%	324.81%	68.35%	-30.7%	111.11%	31.71%
Total Long-Term Assets	$19.60B	$21.20B	$23.23B	$19.38B	$12.84B	$10.37B	$8.129B	$7.370B	$8.233B	$4.352B	$4.540B
YoY Change	-7.56%	-8.73%	19.84%	50.99%	23.81%	27.56%	10.3%	-10.48%	89.18%	-4.14%
Total Assets	$82.17B	$78.72B	$75.80B	$70.38B	$51.33B	$43.33B	$40.77B	$33.10B	$28.88B	$21.92B	$19.16B
YoY Change
Accounts Payable	$42.07B	$40.23B	$39.04B	$35.67B	$24.76B	$21.84B	$20.00B	$15.36B	$12.41B	$10.73B	$9.350B
YoY Change	4.58%	3.06%	9.44%	44.07%	13.35%	9.22%	30.24%	23.77%	15.65%	14.73%
Accrued Expenses	$5.143B	$3.637B	$2.756B	$2.648B	$1.978B	$1.935B	$1.563B	$1.400B	$1.154B	$719.0M	$651.0M
YoY Change	41.41%	31.97%	4.08%	33.87%	2.22%	23.8%	11.64%	21.32%	60.5%	10.45%
Deferred Revenue
YoY Change
Short-Term Debt	$0.00	$0.00	$0.00	$0.00	$0.00	$1.998B	$1.000B	$0.00	$0.00	$1.093B	$1.103B
YoY Change					-100.0%	99.8%			-100.0%	-0.91%
Long-Term Debt Due	$1.249B	$418.0M	$999.0M
YoY Change	198.8%	-58.16%
Total Short-Term Liabilities	$48.47B	$45.10B	$43.03B	$38.45B	$26.92B	$25.90B	$22.86B	$16.88B	$13.62B	$13.28B	$11.26B
YoY Change	7.46%	4.82%	11.92%	42.82%	3.92%	13.3%	35.46%	23.95%	2.51%	17.96%
Long-Term Debt	$9.676B	$10.42B	$8.049B	$8.939B	$4.978B	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	-7.11%	29.42%	-9.96%	79.57%
Other Long-Term Liabilities	$2.973B	$2.900B	$2.812B	$2.855B	$2.418B	$1.933B	$1.917B		$1.505B	$241.0M	$325.0M
YoY Change	2.52%	3.13%	-1.51%	18.07%	25.09%	0.83%			524.48%	-25.85%
Total Long-Term Liabilities	$12.65B	$13.32B	$10.86B	$11.79B	$7.396B	$1.933B	$1.917B	$0.00	$1.505B	$241.0M	$325.0M
YoY Change	-5.02%	22.61%	-7.91%	59.46%	282.62%	0.83%		-100.0%	524.48%	-25.85%
Total Liabilities	$61.12B	$58.44B	$54.08B	$50.36B	$34.45B	$27.95B	$24.78B	$18.39B	$15.12B	$13.67B	$11.77B
YoY Change	4.57%	8.08%	7.38%	46.19%	23.27%	12.78%	34.74%	21.62%	10.63%	16.13%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013
Basic Shares Outstanding	1.103B shares	1.154B shares	1.174B shares	1.173B shares	1.174B shares	1.184B shares	1.203B shares	1.210B shares	1.222B shares	1.218B shares	1.218B shares
Diluted Shares Outstanding	1.107B shares	1.158B shares	1.186B shares	1.187B shares	1.188B shares	1.203B shares	1.221B shares	1.218B shares	1.229B shares	1.224B shares	1.224B shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $86.008 Billion

About PayPal Holdings Inc

PayPal Holdings, Inc. engages in the development of technology platforms that enable digital payments and simplifies commerce experiences on behalf of merchants and consumers worldwide. The company is headquartered in San Jose, California and currently employs 27,200 full-time employees. The company went IPO on 2015-07-06. Its payment solutions enable its customers to connect, transact, and send and receive payments, whether they are online or in person. The company provides payment solutions accepted by merchants that enable the completion of payments on its platform on behalf of its customers. The company operates a global, two-sided network at scale that connects merchants and consumers with 426 million active accounts across 200 markets. Its brands include PayPal, Braintree, Venmo, Xoom, Hyperwallet, PayPal Zettle, PayPal Honey, and Paidy. The company enables consumers to exchange funds with merchants using a variety of funding sources, which include a bank account, a PayPal or Venmo account balance, PayPal and Venmo branded credit products, including its installment products, a credit card, a debit card, certain cryptocurrencies, or other stored value products.

Industry: Services-Business Services, NEC Peers: Automatic Data Processing Inc Block Inc BROADRIDGE FINANCIAL SOLUTIONS, INC. Fidelity National Information Services, Inc. Fiserv Inc Global Payments Inc Mastercard Inc Paychex Inc Visa Inc