PayPal's earnings call highlighted a strong financial performance in 2024 with significant growth in branded checkout, Venmo monetization, and BNPL. The introduction of innovations and strategic partnerships set a solid foundation for future growth. However, challenges such as unbranded volume growth deceleration and international market softness were notable. Overall, the sentiment reflects a positive outlook for the company's growth initiatives despite some headwinds.

Company Guidance

During PayPal's Fourth Quarter and Full Year 2024 Earnings Call, the company outlined a strong financial performance and provided guidance for 2025. In 2024, PayPal achieved a 10% growth in total payment volume, reaching nearly $1.7 trillion, and a 7% increase in revenue, amounting to $32 billion. Non-GAAP earnings per share rose by 21% year-over-year, and free cash flow totaled $6.8 billion, with $6 billion in share buybacks completed. For 2025, PayPal anticipates continued transaction margin dollar growth and strong free cash flow. Key areas of focus include innovation, product adoption, partnerships, and efficiency, with goals to enhance branded checkout, scale omnichannel solutions, grow Venmo, and accelerate small and medium business (SMB) engagement. The company also highlighted the implementation of AI to improve customer experience and operational efficiency.

Strong Financial Performance in 2024

PayPal delivered $32 billion in revenue, up 7%, and non-GAAP earnings per share increased 21% year-over-year. Free cash flow was $6.8 billion, with $6 billion in share buybacks completed.

Growth in Branded Checkout and Venmo

Branded checkout transaction margin dollar growth was achieved in each quarter, and Venmo monetization saw over 20% growth in debit card and Pay with Venmo monthly active accounts. Venmo's total payment volume grew 10%.

Expansion in Buy-Now-Pay-Later (BNPL)

PayPal drove approximately $33 billion in BNPL total payment volume, growing 21% from the prior year, indicating strong consumer and merchant trust in the PayPal brand.

Innovations and Partnerships

In 2024, PayPal rolled out new branded checkout experiences, launched PayPal Everywhere, introduced Fastlane, and expanded PayPal Complete Payments. Partnerships with NBCUniversal, Roku, and StockX were signed to drive Fastlane adoption.

Successful Omnichannel Push

PayPal launched PayPal Everywhere in September, which drove significant increases in debit card adoption, with debit card TPV up nearly 100% in Q4.

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PayPal Holdings (IT:1PYPL) Earnings, Revenues Date & History

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IT:1PYPL Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Jul 25, 2018	2018 (Q2)	- / 0.56	0.446	26.09% (+0.12)	―	―
Oct 18, 2018	2018 (Q3)	- / 0.56	0.446	26.09% (+0.12)	―	―
Jan 30, 2019	2018 (Q4)	- / 0.67	0.533	25.45% (+0.14)	―	―
Apr 24, 2019	2019 (Q1)	- / 0.76	0.552	36.84% (+0.20)	―	―
Jul 24, 2019	2019 (Q2)	- / 0.83	0.562	48.28% (+0.27)	―	―
Oct 23, 2019	2019 (Q3)	- / 0.59	0.562	5.17% (+0.03)	―	―
Jan 29, 2020	2019 (Q4)	- / 0.83	0.668	24.64% (+0.16)	―	―
May 06, 2020	2020 (Q1)	- / 0.64	0.756	-15.38% (-0.12)	―	―
Jul 29, 2020	2020 (Q2)	- / 1.04	0.833	24.42% (+0.20)	―	―
Nov 02, 2020	2020 (Q3)	- / 1.04	0.591	75.41% (+0.45)	―	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

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IT:1PYPL Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Feb 04, 2025	€85.75	€78.41	-8.56%
Oct 29, 2024	€77.07	€74.20	-3.72%
Jul 30, 2024	€54.23	€58.24	+7.39%
Apr 30, 2024	€62.47	€63.98	+2.42%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

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