PayPal Holdings Inc
PYPL
Market Cap$66.16B
Close$
Earnings Call Q2 2025
July 29, 2025 - AI Summary
Strong Q2 Performance: PayPal delivered its sixth consecutive quarter of profitable growth with transaction margin dollars rising 8% year-over-year (YOY), excluding interest on customer balances. Non-GAAP earnings per share (EPS) increased by 18%, indicating healthy financial performance amid macroeconomic uncertainties.
Strategic Initiatives Driving Growth: Management emphasized success in four strategic growth drivers: improving branded checkout, expanding buy now pay later (BNPL) services, scaling PayPal “Super App” capabilities, and focusing on profitability in payment services. Branded experiences’ total payment volume (TPV) grew 8% on a currency-neutral basis. Notably, BNPL volume also saw over 20% growth, driven by broader acceptance and higher average transaction values.
Venmo Growth Momentum: Venmo exhibited its highest revenue growth rate since 2023, with revenue growth exceeding 20% and TPV rising by 12%. The expansion into schools and partnerships with well-known brands are expected to further drive user engagement and revenue opportunities.
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$110.48
59.5% upside
Current Fair Value
59.5% upsideUndervalued by 59.5% based on the discounted cash flow analysis.
Share Statistics
| Market cap | $66.16 Billion |
|---|---|
| Enterprise Value | $70.77 Billion |
| Dividend Yield | $- (-) |
| Earnings per Share | $4.03 |
| Beta | 1.45 |
| Outstanding Shares | 969,000,000 |
Return
| Return on Equity | - |
|---|---|
| Return on Assets | - |
| Return on Invested Capital | - |
Valuation & Multiples
| P/E Ratio | 14.34 |
|---|---|
| PEG | 121.63 |
| Price to Sales | 2.1 |
| Price to Book Ratio | 3.46 |
| Enterprise Value to Revenue | 2.19 |
| Enterprise Value to EBIT | 11.61 |
| Enterprise Value to Net Income | 15 |
| Total Debt to Enterprise | 0.16 |
| Debt to Equity | 0.56 |
Revenue Sources
No data
Insider Trades
ESG Score
No data
About PayPal Holdings Inc
21,800 employees
CEO: Daniel Schulman PayPal has remained at the forefront of the digital payment revolution for more than 20 years. By leveraging technology to make [nancial services and commerce more convenient, a ordable, and secure, the PayPal platform is empowering more...