PayPal Holdings Inc (NAS:PYPL)

$ 70.26 -0.22 (-0.31%) Market Cap: 68.33 Bil Enterprise Value: 68.75 Bil PE Ratio: 15.72 PB Ratio: 3.40 GF Score: 98/100

Q4 2024 PayPal Holdings Inc Earnings Call Transcript

Feb 04, 2025 / 01:00PM GMT

Release Date Price: $77.73 (-13.17%)

Transcript 10-K8-K

Key Points

Positve

PayPal Holdings Inc (PYPL) delivered strong financial results in 2024, with a 10% growth in total payment volume reaching nearly $1.7 trillion.
The company achieved a 21% year-over-year increase in non-GAAP earnings per share and generated $6.8 billion in free cash flow.
Venmo monetization showed significant progress with over 20% growth in Venmo debit card and Pay with Venmo monthly active accounts.
PayPal Holdings Inc (PYPL) successfully rolled out new branded checkout experiences and expanded its PayPal Complete Payments platform.
The company formed significant partnerships with major brands like NBCUniversal, Roku, and StockX to drive Fastlane adoption.

Negative

PayPal Holdings Inc (PYPL) faces a 5-point revenue growth headwind in 2025 due to renegotiations with large Braintree merchants.
The company expects a $150 million headwind from interest rate cuts in 2025, impacting transaction margin dollars.
There is a planned normalization in transaction loss during 2025, which could affect financial performance.
The company anticipates some volatility in unbranded volume growth due to ongoing renegotiations and market dynamics.
PayPal Holdings Inc (PYPL) is experiencing some softness in international markets, particularly in Europe, which may impact growth.

Operator

Good morning, and welcome to PayPal's fourth quarter and full year 2024 earnings conference call. My name is Sarah, and I will be your conference operator today. As a reminder, this conference is being recorded. I would now like to turn the program over to your host for today's conference, Steve Winoker, PayPal's Chief Investor Relations Officer. Please go ahead.

Steve Winoker;Alex Chriss

PayPal Holdings Inc - SVP, Chief Investor Relations Officer;PayPal Holdings Inc - President, Chief

Thanks, Sarah. Welcome to PayPal's fourth quarter and full year 2024 earnings call. I'm joined by CEO, Alex Chriss; and CFO, Jamie Miller.

Our remarks today include forward-looking statements that involve risks and uncertainties. Actual results may differ materially from these statements. Our commentary is based on our best view of the world and our businesses as we see them today. As described in our earnings press release, SEC filings, and on our website, those elements may change as the world changes.

Now over to you, Alex.

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