PayPal Holdings Key Executives
This section highlights PayPal Holdings's key executives, including their titles and compensation details.
Find Contacts at PayPal Holdings
( total contacts)
PayPal Holdings Earnings
This section highlights PayPal Holdings's earnings, including key dates, EPS, earnings reports, and earnings call transcripts.
Next Earnings Date
Last Earnings Results
Earnings Call Transcripts
| Transcript | Quarter | Year | Date | Estimated EPS | Actual EPS |
|---|---|---|---|---|---|
| Read Transcript | Q4 | 2024 | 2025-02-04 | $1.11 | $1.19 |
| Read Transcript | Q3 | 2024 | 2024-10-29 | $1.07 | $1.20 |
| Read Transcript | Q2 | 2024 | 2024-07-30 | $0.99 | $1.19 |
| Read Transcript | Q1 | 2024 | 2024-04-30 | $1.22 | $1.40 |
| Read Transcript | Q4 | 2023 | 2024-02-07 | $1.36 | $1.48 |
| Read Transcript | Q3 | 2023 | 2023-11-01 | $1.22 | $1.30 |
| Read Transcript | Q2 | 2023 | 2023-08-02 | $1.16 | $1.16 |
| Read Transcript | Q1 | 2023 | 2023-05-08 | $1.10 | $1.17 |
PayPal Holdings, Inc. operates a technology platform that enables digital payments on behalf of merchants and consumers worldwide. It provides payment solutions under the PayPal, PayPal Credit, Braintree, Venmo, Xoom, Zettle, Hyperwallet, Honey, and Paidy names. The company's payments platform allows consumers to send and receive payments in approximately 200 markets and in approximately 100 currencies, withdraw funds to their bank accounts in 56 currencies, and hold balances in their PayPal accounts in 25 currencies. PayPal Holdings, Inc. was founded in 1998 and is headquartered in San Jose, California.
$65.34
Stock Price
$63.86B
Market Cap
24.40K
Employees
San Jose, CA
Location
Financial Statements
Access annual & quarterly financial statements for PayPal Holdings, including income statements, balance sheets, and cash flow statements..
Annual Income Statement
| Breakdown | December 31, 2024 | December 31, 2023 | December 31, 2022 | December 31, 2021 | December 31, 2020 |
|---|---|---|---|---|---|
| Revenue | $31.80B | $29.77B | $27.52B | $25.37B | $21.45B |
| Cost of Revenue | $17.14B | $16.07B | $13.74B | $11.38B | $9.68B |
| Gross Profit | $14.66B | $13.70B | $13.77B | $14.00B | $11.78B |
| Gross Profit Ratio | 46.10% | 46.03% | 50.05% | 55.17% | 54.90% |
| Research and Development Expenses | $2.98B | $2.97B | $3.25B | $3.04B | $2.64B |
| General and Administrative Expenses | $2.15B | $2.06B | $2.10B | $2.11B | $2.07B |
| Selling and Marketing Expenses | $2.00B | $1.81B | $2.26B | $2.44B | $1.86B |
| Selling General and Administrative Expenses | $4.15B | $3.87B | $4.36B | $4.56B | $3.93B |
| Other Expenses | $2.21B | $1.83B | $2.12B | $2.08B | $1.78B |
| Operating Expenses | $9.33B | $8.68B | $9.73B | $9.67B | $8.35B |
| Cost and Expenses | $26.47B | $24.74B | $23.47B | $21.05B | $18.03B |
| Interest Income | $662.00M | $480.00M | $174.00M | $57.00M | $88.00M |
| Interest Expense | $382.00M | $347.00M | $304.00M | $232.00M | $209.00M |
| Depreciation and Amortization | $1.03B | $1.07B | $1.32B | $1.26B | $1.19B |
| EBITDA | $6.74B | $6.83B | $4.99B | $5.60B | $6.46B |
| EBITDA Ratio | 21.21% | 22.94% | 18.12% | 22.06% | 30.12% |
| Operating Income | $5.33B | $5.03B | $3.84B | $4.26B | $3.29B |
| Operating Income Ratio | 16.75% | 16.89% | 13.94% | 16.80% | 15.33% |
| Total Other Income Expenses Net | $4.00M | $383.00M | $-471.00M | $-163.00M | $1.78B |
| Income Before Tax | $5.33B | $5.41B | $3.37B | $4.10B | $5.07B |
| Income Before Tax Ratio | 16.76% | 18.18% | 12.23% | 16.16% | 23.61% |
| Income Tax Expense | $1.18B | $1.17B | $947.00M | $-70.00M | $863.00M |
| Net Income | $4.15B | $4.25B | $2.42B | $4.17B | $4.20B |
| Net Income Ratio | 13.04% | 14.26% | 8.79% | 16.43% | 19.59% |
| EPS | $4.03 | $3.85 | $2.10 | $3.55 | $3.58 |
| EPS Diluted | $3.99 | $3.84 | $2.09 | $3.52 | $3.54 |
| Weighted Average Shares Outstanding | 1.03B | 1.10B | 1.15B | 1.17B | 1.17B |
| Weighted Average Shares Outstanding Diluted | 1.04B | 1.11B | 1.16B | 1.19B | 1.19B |
| SEC Filing | Source | Source | Source | Source | Source |
| Breakdown | December 31, 2024 | September 30, 2024 | June 30, 2024 | March 31, 2024 | December 31, 2023 | September 30, 2023 | June 30, 2023 | March 31, 2023 | December 31, 2022 | September 30, 2022 | June 30, 2022 | March 31, 2022 | December 31, 2021 | September 30, 2021 | June 30, 2021 | March 31, 2021 | December 31, 2020 | September 30, 2020 | June 30, 2020 | March 31, 2020 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $8.37B | $7.85B | $7.86B | $7.70B | $8.03B | $7.42B | $7.29B | $7.04B | $7.38B | $6.85B | $6.81B | $6.48B | $6.92B | $6.18B | $6.24B | $6.03B | $6.12B | $5.46B | $5.26B | $4.62B |
| Cost of Revenue | $4.43B | $4.19B | $4.71B | $4.69B | $4.35B | $4.05B | $3.94B | $3.73B | $3.71B | $3.35B | $3.49B | $3.19B | $3.30B | $2.83B | $2.69B | $3.07B | $2.70B | $2.37B | $2.28B | $2.33B |
| Gross Profit | $3.94B | $3.65B | $3.15B | $3.01B | $3.67B | $3.37B | $3.35B | $3.31B | $3.67B | $3.49B | $3.31B | $3.30B | $3.62B | $3.35B | $3.54B | $2.97B | $3.42B | $3.09B | $2.98B | $2.29B |
| Gross Profit Ratio | 47.04% | 46.57% | 40.05% | 39.06% | 45.75% | 45.42% | 45.94% | 47.09% | 49.72% | 50.99% | 48.69% | 50.86% | 52.27% | 54.19% | 56.83% | 49.18% | 55.92% | 56.66% | 56.61% | 49.55% |
| Research and Development Expenses | $773.00M | $746.00M | $718.00M | $742.00M | $770.00M | $739.00M | $743.00M | $721.00M | $822.00M | $801.00M | $815.00M | $815.00M | $796.00M | $755.00M | $746.00M | $741.00M | $732.00M | $674.00M | $631.00M | $605.00M |
| General and Administrative Expenses | $594.00M | $519.00M | $570.00M | $464.00M | $554.00M | $507.00M | $491.00M | $507.00M | $515.00M | $463.00M | $514.00M | $607.00M | $570.00M | $498.00M | $522.00M | $1.04B | $2.35B | $503.00M | $512.00M | $885.00M |
| Selling and Marketing Expenses | $626.00M | $508.00M | $446.00M | $421.00M | $466.00M | $442.00M | $465.00M | $436.00M | $524.00M | $544.00M | $595.00M | $594.00M | $666.00M | $549.00M | $628.00M | $602.00M | $605.00M | $471.00M | $414.00M | $371.00M |
| Selling General and Administrative Expenses | $1.22B | $1.03B | $1.02B | $885.00M | $1.02B | $949.00M | $956.00M | $943.00M | $1.04B | $1.01B | $1.11B | $1.20B | $1.24B | $1.05B | $1.15B | $1.64B | $2.95B | $974.00M | $926.00M | $1.26B |
| Other Expenses | $501.00M | $490.00M | $8.00M | $10.00M | $465.00M | $474.00M | $492.00M | $488.00M | $541.00M | $509.00M | $536.00M | $534.00M | $532.00M | $504.00M | $521.00M | $-7.00M | $-1.27B | $449.00M | $423.00M | $-7.00M |
| Operating Expenses | $2.49B | $2.26B | $1.73B | $1.63B | $2.25B | $2.16B | $2.19B | $2.15B | $2.40B | $2.32B | $2.46B | $2.55B | $2.56B | $2.31B | $2.42B | $2.38B | $2.41B | $2.10B | $1.98B | $1.86B |
| Cost and Expenses | $6.92B | $6.46B | $6.45B | $6.32B | $6.61B | $6.21B | $6.13B | $5.88B | $6.11B | $5.67B | $5.95B | $5.74B | $5.87B | $5.14B | $5.11B | $4.93B | $5.11B | $4.46B | $4.26B | $4.19B |
| Interest Income | $148.00M | $183.00M | $165.00M | $166.00M | $132.00M | $124.00M | $116.00M | $108.00M | $84.00M | $48.00M | $27.00M | $15.00M | $14.00M | $15.00M | $13.00M | $15.00M | $16.00M | $17.00M | $22.00M | $33.00M |
| Interest Expense | $97.00M | $106.00M | $93.00M | $86.00M | $87.00M | $86.00M | $87.00M | $87.00M | $89.00M | $87.00M | $69.00M | $59.00M | $59.00M | $58.00M | $57.00M | $58.00M | $59.00M | $58.00M | $55.00M | $37.00M |
| Depreciation and Amortization | $249.00M | $255.00M | $263.00M | $265.00M | $263.00M | $270.00M | $269.00M | $270.00M | $326.00M | $330.00M | $333.00M | $328.00M | $326.00M | $323.00M | $316.00M | $300.00M | $301.00M | $298.00M | $297.00M | $293.00M |
| EBITDA | $1.76B | $1.67B | $1.67B | $1.56B | $1.65B | $1.46B | $1.39B | $1.43B | $1.59B | $1.50B | $1.19B | $1.07B | $1.38B | $1.37B | $1.44B | $1.40B | $1.31B | $1.29B | $1.29B | $720.00M |
| EBITDA Ratio | 20.99% | 21.31% | 21.25% | 20.26% | 20.50% | 19.63% | 19.10% | 20.36% | 21.59% | 21.91% | 17.44% | 16.58% | 19.89% | 22.11% | 23.15% | 23.21% | 21.39% | 23.70% | 24.62% | 15.59% |
| Operating Income | $1.44B | $1.39B | $1.42B | $1.38B | $1.73B | $1.17B | $1.13B | $999.00M | $1.24B | $1.12B | $764.00M | $711.00M | $1.06B | $1.04B | $1.13B | $1.04B | $963.00M | $977.00M | $951.00M | $398.00M |
| Operating Income Ratio | 17.22% | 17.73% | 18.00% | 17.92% | 21.53% | 15.75% | 15.55% | 14.19% | 16.85% | 16.33% | 11.23% | 10.97% | 15.28% | 16.87% | 18.07% | 17.27% | 15.75% | 17.90% | 18.08% | 8.62% |
| Total Other Income Expenses Net | $-31.00M | $-80.00M | $74.00M | $-171.00M | $65.00M | $73.00M | $170.00M | $75.00M | $-134.00M | $460.00M | $-715.00M | $-82.00M | $-344.00M | $122.00M | $229.00M | $-170.00M | $896.00M | $167.00M | $848.00M | $-135.00M |
| Income Before Tax | $1.41B | $1.31B | $1.40B | $1.21B | $1.79B | $1.24B | $1.30B | $1.07B | $1.11B | $1.58B | $49.00M | $629.00M | $706.00M | $1.17B | $1.36B | $872.00M | $1.86B | $1.14B | $1.80B | $263.00M |
| Income Before Tax Ratio | 16.85% | 16.71% | 17.79% | 15.70% | 22.34% | 16.73% | 17.88% | 15.26% | 15.03% | 23.05% | 0.72% | 9.70% | 10.21% | 18.85% | 21.74% | 14.45% | 30.40% | 20.96% | 34.20% | 5.70% |
| Income Tax Expense | $289.00M | $301.00M | $271.00M | $321.00M | $391.00M | $221.00M | $274.00M | $279.00M | $189.00M | $248.00M | $390.00M | $120.00M | $-95.00M | $78.00M | $172.00M | $-225.00M | $292.00M | $123.00M | $269.00M | $179.00M |
| Net Income | $1.12B | $1.01B | $1.13B | $888.00M | $1.40B | $1.02B | $1.03B | $795.00M | $921.00M | $1.33B | $-341.00M | $509.00M | $801.00M | $1.09B | $1.18B | $1.10B | $1.57B | $1.02B | $1.53B | $84.00M |
| Net Income Ratio | 13.40% | 12.87% | 14.35% | 11.53% | 17.47% | 13.75% | 14.12% | 11.29% | 12.47% | 19.43% | -5.01% | 7.85% | 11.58% | 17.58% | 18.98% | 18.18% | 25.62% | 18.70% | 29.08% | 1.82% |
| EPS | $1.12 | $1.00 | $1.08 | $0.83 | $1.30 | $0.93 | $0.93 | $0.70 | $0.81 | $1.15 | $-0.29 | $0.44 | $0.68 | $0.93 | $1.01 | $0.94 | $1.34 | $0.87 | $1.30 | $0.07 |
| EPS Diluted | $1.11 | $0.99 | $1.08 | $0.83 | $1.29 | $0.93 | $0.92 | $0.70 | $0.81 | $1.15 | $-0.29 | $0.43 | $0.67 | $0.92 | $1.00 | $0.92 | $1.34 | $0.86 | $1.29 | $0.07 |
| Weighted Average Shares Outstanding | 997.00M | 1.01B | 1.04B | 1.06B | 1.08B | 1.09B | 1.11B | 1.13B | 1.14B | 1.15B | 1.16B | 1.16B | 1.17B | 1.17B | 1.17B | 1.17B | 1.17B | 1.17B | 1.17B | 1.17B |
| Weighted Average Shares Outstanding Diluted | 1.01B | 1.02B | 1.05B | 1.07B | 1.08B | 1.10B | 1.11B | 1.13B | 1.14B | 1.16B | 1.16B | 1.17B | 1.19B | 1.19B | 1.19B | 1.19B | 1.17B | 1.19B | 1.18B | 1.19B |
| SEC Filing | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source | Source |
Annual Balance Sheet
| Breakdown | December 31, 2024 | December 31, 2023 | December 31, 2022 | December 31, 2021 | December 31, 2020 |
|---|---|---|---|---|---|
| Cash and Cash Equivalents | $6.56B | $9.08B | $7.78B | $5.20B | $4.79B |
| Short Term Investments | $4.26B | $4.98B | $3.08B | $4.30B | $8.29B |
| Cash and Short Term Investments | $10.82B | $14.06B | $10.85B | $9.50B | $13.08B |
| Net Receivables | $45.62B | $45.44B | $44.66B | $41.79B | $36.76B |
| Inventory | $- | $-463.00M | $17.00M | $- | $- |
| Other Current Assets | $4.65B | $3.54B | $2.87B | $2.25B | $1.87B |
| Total Current Assets | $61.09B | $62.57B | $57.52B | $52.57B | $50.99B |
| Property Plant Equipment Net | $1.51B | $1.49B | $1.73B | $1.91B | $1.81B |
| Goodwill | $10.84B | $11.03B | $11.21B | $11.45B | $9.13B |
| Intangible Assets | $326.00M | $537.00M | $788.00M | $1.33B | $1.05B |
| Goodwill and Intangible Assets | $11.16B | $11.56B | $12.00B | $12.79B | $10.18B |
| Long Term Investments | $4.58B | $3.27B | $5.02B | $6.80B | $6.09B |
| Tax Assets | $- | $- | $1.31B | $547.00M | $142.00M |
| Other Non-Current Assets | $3.27B | $3.27B | $1.15B | $1.19B | $1.16B |
| Total Non-Current Assets | $20.52B | $19.60B | $21.20B | $23.23B | $19.38B |
| Other Assets | $- | $- | $- | $- | $- |
| Total Assets | $81.61B | $82.17B | $78.72B | $75.80B | $70.38B |
| Account Payables | $39.90B | $42.07B | $40.14B | $39.04B | $35.67B |
| Short Term Debt | $- | $- | $- | $999.00M | $- |
| Tax Payables | $- | $- | $813.00M | $236.00M | $129.00M |
| Deferred Revenue | $- | $- | $-569.00M | $- | $-144.00M |
| Other Current Liabilities | $8.48B | $6.39B | $4.05B | $2.76B | $2.65B |
| Total Current Liabilities | $48.38B | $48.47B | $45.10B | $43.03B | $38.45B |
| Long Term Debt | $9.88B | $10.09B | $10.99B | $8.67B | $9.58B |
| Deferred Revenue Non-Current | $- | $- | $-2.92B | $-2.19B | $-2.21B |
| Deferred Tax Liabilities Non-Current | $- | $- | $2.92B | $3.00B | $2.93B |
| Other Non-Current Liabilities | $2.94B | $2.56B | $-569.00M | $-620.00M | $-642.00M |
| Total Non-Current Liabilities | $12.82B | $12.65B | $13.34B | $11.05B | $11.87B |
| Other Liabilities | $- | $- | $- | $- | $- |
| Total Liabilities | $61.19B | $61.12B | $58.44B | $54.08B | $50.32B |
| Preferred Stock | $- | $- | $- | $- | $- |
| Common Stock | $- | $- | $- | $- | $- |
| Retained Earnings | $27.35B | $23.20B | $18.95B | $16.54B | $12.37B |
| Accumulated Other Comprehensive Income Loss | $-550.00M | $-746.00M | $-928.00M | $-136.00M | $-484.00M |
| Other Total Stockholders Equity | $-6.38B | $-1.40B | $2.25B | $5.33B | $8.14B |
| Total Stockholders Equity | $20.42B | $21.05B | $20.27B | $21.73B | $20.02B |
| Total Equity | $20.42B | $21.05B | $20.27B | $21.73B | $20.06B |
| Total Liabilities and Stockholders Equity | $81.61B | $82.17B | $78.72B | $75.80B | $70.38B |
| Minority Interest | $- | $- | $- | $- | $44.00M |
| Total Liabilities and Total Equity | $81.61B | $82.17B | $78.72B | $75.80B | $70.38B |
| Total Investments | $8.85B | $8.25B | $8.09B | $11.10B | $14.38B |
| Total Debt | $9.88B | $9.68B | $10.42B | $9.05B | $8.94B |
| Net Debt | $3.32B | $595.00M | $2.64B | $3.85B | $4.14B |
Balance Sheet Charts
| Breakdown | December 31, 2024 | September 30, 2024 | June 30, 2024 | March 31, 2024 | December 31, 2023 | September 30, 2023 | June 30, 2023 | March 31, 2023 | December 31, 2022 | September 30, 2022 | June 30, 2022 | March 31, 2022 | December 31, 2021 | September 30, 2021 | June 30, 2021 | March 31, 2021 | December 31, 2020 | September 30, 2020 | June 30, 2020 | March 31, 2020 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash and Cash Equivalents | $6.56B | $7.27B | $7.70B | $9.69B | $9.08B | $6.82B | $5.50B | $7.10B | $7.78B | $6.66B | $4.58B | $4.86B | $5.20B | $7.78B | $5.75B | $5.72B | $4.79B | $6.11B | $6.35B | $7.85B |
| Short Term Investments | $4.26B | $4.65B | $5.91B | $4.62B | $4.98B | $4.72B | $4.39B | $3.55B | $3.08B | $4.17B | $4.70B | $3.10B | $4.30B | $5.51B | $6.65B | $7.37B | $8.29B | $8.05B | $6.70B | $2.33B |
| Cash and Short Term Investments | $10.82B | $11.92B | $13.62B | $14.32B | $14.06B | $11.54B | $9.89B | $10.65B | $10.85B | $10.83B | $9.28B | $7.96B | $9.50B | $13.29B | $12.39B | $13.09B | $13.08B | $14.16B | $13.05B | $10.19B |
| Net Receivables | $45.62B | $46.69B | $45.40B | $1.11B | $46.00B | $42.86B | $42.02B | $43.74B | $44.66B | $41.72B | $43.84B | $43.12B | $41.79B | $39.55B | $39.65B | $39.03B | $36.76B | $33.61B | $32.61B | $26.94B |
| Inventory | $- | $- | $- | $-4.42B | $3.00M | $2.17B | $11.00M | $13.00M | $17.00M | $21.00M | $22.00M | $- | $- | $- | $- | $- | $- | $- | $- | $- |
| Other Current Assets | $4.65B | $4.06B | $3.95B | $46.96B | $2.51B | $2.23B | $2.20B | $2.16B | $3.80B | $4.22B | $3.62B | $2.24B | $2.25B | $2.21B | $2.12B | $2.27B | $1.15B | $937.00M | $840.00M | $1.73B |
| Total Current Assets | $61.09B | $62.67B | $62.97B | $63.71B | $62.57B | $56.63B | $54.12B | $56.56B | $57.52B | $55.10B | $55.25B | $52.38B | $52.57B | $54.13B | $53.23B | $53.43B | $50.99B | $48.70B | $46.50B | $38.18B |
| Property Plant Equipment Net | $1.51B | $1.50B | $2.06B | $1.43B | $1.49B | $1.53B | $1.59B | $1.63B | $1.73B | $1.77B | $1.83B | $1.86B | $1.91B | $1.90B | $1.85B | $1.81B | $1.81B | $1.76B | $1.72B | $1.65B |
| Goodwill | $10.84B | $11.00B | $10.82B | $10.92B | $11.03B | $10.94B | $11.07B | $11.20B | $11.21B | $11.05B | $11.15B | $11.37B | $11.45B | $9.55B | $9.56B | $9.12B | $9.13B | $9.12B | $9.12B | $9.12B |
| Intangible Assets | $326.00M | $393.00M | $403.00M | $465.00M | $537.00M | $564.00M | $640.00M | $730.00M | $788.00M | $855.00M | $1.00B | $1.19B | $1.33B | $808.00M | $920.00M | $938.00M | $1.05B | $1.15B | $1.25B | $1.37B |
| Goodwill and Intangible Assets | $11.16B | $11.39B | $11.22B | $11.38B | $11.56B | $11.50B | $11.71B | $11.93B | $12.00B | $11.91B | $12.15B | $12.55B | $12.79B | $10.36B | $10.48B | $10.05B | $10.18B | $10.27B | $10.37B | $10.49B |
| Long Term Investments | $4.58B | $4.28B | $4.92B | $3.41B | $3.27B | $3.85B | $4.54B | $4.63B | $5.02B | $5.21B | $6.27B | $7.14B | $6.80B | $6.75B | $6.97B | $5.99B | $6.09B | $3.44B | $3.17B | $2.37B |
| Tax Assets | $- | $- | $- | $52.00M | $- | $- | $- | $- | $1.31B | $- | $- | $- | $547.00M | $- | $- | $- | $- | $- | $- | $- |
| Other Non-Current Assets | $3.27B | $3.67B | $2.84B | $3.37B | $3.27B | $2.92B | $2.62B | $2.44B | $1.15B | $2.43B | $2.31B | $1.86B | $1.19B | $1.39B | $1.28B | $1.23B | $1.30B | $1.42B | $1.40B | $1.58B |
| Total Non-Current Assets | $20.52B | $20.84B | $21.04B | $19.64B | $19.60B | $19.80B | $20.45B | $20.63B | $21.20B | $21.33B | $22.56B | $23.42B | $23.23B | $20.40B | $20.59B | $19.09B | $19.38B | $16.88B | $16.67B | $16.08B |
| Other Assets | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
| Total Assets | $81.61B | $83.51B | $84.02B | $83.35B | $82.17B | $76.44B | $74.58B | $77.19B | $78.72B | $76.44B | $77.81B | $75.81B | $75.80B | $74.53B | $73.82B | $72.52B | $70.38B | $65.58B | $63.17B | $54.27B |
| Account Payables | $39.90B | $41.35B | $41.86B | $108.00M | $42.07B | $38.77B | $37.53B | $39.17B | $40.14B | $37.94B | $40.38B | $39.89B | $39.04B | $37.99B | $38.63B | $38.51B | $35.67B | $32.69B | $31.28B | $25.03B |
| Short Term Debt | $- | $- | $- | $- | $- | $- | $- | $- | $- | $418.00M | $418.00M | $999.00M | $999.00M | $998.00M | $- | $- | $- | $- | $- | $- |
| Tax Payables | $- | $- | $- | $- | $- | $1.14B | $791.00M | $577.00M | $813.00M | $652.00M | $596.00M | $253.00M | $236.00M | $151.00M | $149.00M | $95.00M | $129.00M | $100.00M | $327.00M | $139.00M |
| Deferred Revenue | $- | $- | $- | $-1.29B | $-1.39B | $-147.00M | $-152.00M | $-151.00M | $-569.00M | $- | $- | $- | $- | $151.00M | $-137.00M | $-141.00M | $- | $- | $- | $- |
| Other Current Liabilities | $8.48B | $8.92B | $8.85B | $49.74B | $6.39B | $3.53B | $3.43B | $4.16B | $4.15B | $4.22B | $3.70B | $2.83B | $2.76B | $2.56B | $2.49B | $2.73B | $2.65B | $2.46B | $2.12B | $2.28B |
| Total Current Liabilities | $48.38B | $50.27B | $50.71B | $49.85B | $48.47B | $43.44B | $41.75B | $43.91B | $45.10B | $43.23B | $45.09B | $43.97B | $43.03B | $41.70B | $41.27B | $41.34B | $38.45B | $35.25B | $33.73B | $27.45B |
| Long Term Debt | $9.88B | $9.98B | $10.36B | $9.68B | $10.09B | $11.09B | $11.06B | $11.01B | $10.99B | $10.81B | $10.80B | $8.87B | $8.67B | $8.56B | $9.55B | $9.57B | $9.58B | $9.53B | $9.54B | $8.57B |
| Deferred Revenue Non-Current | $- | $- | $- | $- | $- | $-2.17B | $-2.11B | $-2.41B | $-2.92B | $-2.14B | $-2.14B | $-2.36B | $-2.19B | $-2.18B | $-2.09B | $-2.16B | $-2.29B | $-2.28B | $-2.21B | $-2.23B |
| Deferred Tax Liabilities Non-Current | $- | $- | $- | $- | $- | $2.62B | $2.62B | $2.94B | $2.92B | $2.70B | $2.75B | $3.01B | $3.00B | $2.80B | $2.70B | $2.79B | $2.93B | $2.87B | $2.82B | $2.84B |
| Other Non-Current Liabilities | $2.94B | $3.09B | $2.32B | $3.12B | $2.56B | $-449.00M | $-509.00M | $-529.00M | $-569.00M | $-566.00M | $-607.00M | $-651.00M | $-620.00M | $-616.00M | $-608.00M | $-630.00M | $-642.00M | $-594.00M | $-611.00M | $-608.00M |
| Total Non-Current Liabilities | $12.82B | $13.07B | $12.68B | $12.80B | $12.65B | $13.26B | $13.16B | $13.42B | $13.34B | $12.94B | $12.95B | $11.23B | $11.05B | $10.75B | $11.64B | $11.74B | $11.87B | $11.81B | $11.75B | $10.81B |
| Other Liabilities | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
| Total Liabilities | $61.19B | $63.34B | $63.39B | $62.65B | $61.12B | $56.70B | $54.92B | $57.33B | $58.44B | $56.17B | $58.04B | $55.20B | $54.08B | $52.44B | $52.91B | $53.08B | $50.32B | $47.05B | $45.48B | $38.26B |
| Preferred Stock | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
| Common Stock | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
| Retained Earnings | $27.35B | $26.23B | $25.22B | $24.09B | $23.20B | $21.80B | $20.78B | $19.75B | $18.95B | $18.03B | $16.70B | $17.04B | $16.54B | $15.73B | $14.65B | $13.46B | $12.37B | $10.81B | $9.79B | $8.26B |
| Accumulated Other Comprehensive Income Loss | $-550.00M | $-627.00M | $-693.00M | $-659.00M | $-746.00M | $-852.00M | $-996.00M | $-898.00M | $-928.00M | $-681.00M | $-564.00M | $-444.00M | $-136.00M | $-124.00M | $-292.00M | $-353.00M | $-484.00M | $-332.00M | $-170.00M | $-120.00M |
| Other Total Stockholders Equity | $-6.38B | $-5.42B | $-3.90B | $-2.73B | $-1.40B | $-1.21B | $-121.00M | $1.01B | $2.25B | $2.91B | $3.63B | $4.00B | $5.33B | $6.48B | $6.55B | $6.33B | $8.14B | $8.01B | $8.02B | $7.83B |
| Total Stockholders Equity | $20.42B | $20.17B | $20.62B | $20.70B | $21.05B | $19.74B | $19.66B | $19.86B | $20.27B | $20.26B | $19.77B | $20.60B | $21.73B | $22.09B | $20.91B | $19.44B | $20.02B | $18.48B | $17.64B | $15.97B |
| Total Equity | $20.42B | $20.17B | $20.62B | $20.70B | $21.05B | $19.74B | $19.66B | $19.86B | $20.27B | $20.26B | $19.77B | $20.60B | $21.73B | $22.09B | $20.91B | $19.44B | $20.06B | $18.53B | $17.68B | $16.01B |
| Total Liabilities and Stockholders Equity | $81.61B | $83.51B | $84.02B | $83.35B | $82.17B | $76.44B | $74.58B | $77.19B | $78.72B | $76.44B | $77.81B | $75.81B | $75.80B | $74.53B | $73.82B | $72.52B | $70.38B | $65.58B | $63.17B | $54.27B |
| Minority Interest | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $44.00M | $44.00M | $44.00M | $44.00M |
| Total Liabilities and Total Equity | $81.61B | $83.51B | $84.02B | $83.35B | $82.17B | $76.44B | $74.58B | $77.19B | $78.72B | $76.44B | $77.81B | $75.81B | $75.80B | $74.53B | $73.82B | $72.52B | $70.38B | $65.58B | $63.17B | $54.27B |
| Total Investments | $8.85B | $8.93B | $10.83B | $8.03B | $8.25B | $8.59B | $8.94B | $8.19B | $8.09B | $9.38B | $10.99B | $10.25B | $11.10B | $12.26B | $13.62B | $13.36B | $14.38B | $11.48B | $9.87B | $4.70B |
| Total Debt | $9.88B | $9.98B | $12.92B | $9.68B | $9.68B | $10.64B | $10.55B | $10.48B | $10.42B | $10.66B | $10.62B | $9.22B | $9.05B | $7.95B | $8.95B | $8.94B | $8.94B | $8.94B | $8.93B | $7.97B |
| Net Debt | $3.32B | $2.70B | $5.22B | $-10.00M | $595.00M | $3.82B | $5.04B | $3.38B | $2.64B | $4.00B | $6.03B | $4.36B | $3.85B | $167.00M | $3.20B | $3.23B | $4.14B | $2.83B | $2.58B | $113.00M |
Annual Cash Flow
| Breakdown | December 31, 2024 | December 31, 2023 | December 31, 2022 | December 31, 2021 | December 31, 2020 |
|---|---|---|---|---|---|
| Net Income | $4.15B | $4.25B | $2.42B | $4.17B | $4.20B |
| Depreciation and Amortization | $697.00M | $1.07B | $1.32B | $1.26B | $1.19B |
| Deferred Income Tax | $231.00M | $-668.00M | $-811.00M | $-482.00M | $165.00M |
| Stock Based Compensation | $1.23B | $1.48B | $1.31B | $1.42B | $1.41B |
| Change in Working Capital | $- | $-1.31B | $-163.00M | $-222.00M | $-100.00M |
| Accounts Receivables | $85.00M | $-114.00M | $-163.00M | $-222.00M | $-100.00M |
| Inventory | $- | $-19.00M | $1.26B | $-298.00M | $-268.00M |
| Accounts Payables | $83.00M | $7.00M | $-35.00M | $-31.00M | $-4.00M |
| Other Working Capital | $-726.00M | $-1.19B | $-1.23B | $329.00M | $272.00M |
| Other Non Cash Items | $1.15B | $32.00M | $1.74B | $-354.00M | $-648.00M |
| Net Cash Provided by Operating Activities | $7.45B | $4.84B | $5.81B | $5.80B | $6.22B |
| Investments in Property Plant and Equipment | $-683.00M | $-623.00M | $-706.00M | $-908.00M | $-866.00M |
| Acquisitions Net | $- | $466.00M | $-3.19B | $-2.76B | $-3.49B |
| Purchases of Investments | $-26.63B | $-21.98B | $-20.22B | $-40.12B | $-41.51B |
| Sales Maturities of Investments | $47.23B | $24.30B | $23.41B | $39.70B | $30.91B |
| Other Investing Activities | $-18.33B | $-1.41B | $-2.71B | $-1.06B | $-1.58B |
| Net Cash Used for Investing Activities | $1.59B | $752.00M | $-3.42B | $-5.15B | $-16.55B |
| Debt Repayment | $-115.00M | $475.00M | $1.79B | $-89.00M | $3.97B |
| Common Stock Issued | $95.00M | $127.00M | $143.00M | $162.00M | $137.00M |
| Common Stock Repurchased | $-6.05B | $-5.00B | $-4.20B | $-3.37B | $-1.64B |
| Dividends Paid | $- | $- | $- | $- | $- |
| Other Financing Activities | $-2.21B | $1.41B | $1.06B | $2.74B | $9.99B |
| Net Cash Used Provided by Financing Activities | $-8.28B | $-2.99B | $-1.20B | $-557.00M | $12.45B |
| Effect of Forex Changes on Cash | $-207.00M | $76.00M | $-155.00M | $-102.00M | $169.00M |
| Net Change in Cash | $556.00M | $2.68B | $1.13B | $-11.00M | $2.30B |
| Cash at End of Period | $22.39B | $21.83B | $19.16B | $18.03B | $18.04B |
| Cash at Beginning of Period | $21.83B | $19.16B | $18.03B | $18.04B | $15.74B |
| Operating Cash Flow | $7.45B | $4.84B | $5.81B | $5.80B | $6.22B |
| Capital Expenditure | $-683.00M | $-623.00M | $-706.00M | $-908.00M | $-866.00M |
| Free Cash Flow | $6.77B | $4.22B | $5.11B | $4.89B | $5.35B |
Cash Flow Charts
| Breakdown | December 31, 2024 | September 30, 2024 | June 30, 2024 | March 31, 2024 | December 31, 2023 | September 30, 2023 | June 30, 2023 | March 31, 2023 | December 31, 2022 | September 30, 2022 | June 30, 2022 | March 31, 2022 | December 31, 2021 | September 30, 2021 | June 30, 2021 | March 31, 2021 | December 31, 2020 | September 30, 2020 | June 30, 2020 | March 31, 2020 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | $1.12B | $1.01B | $1.13B | $888.00M | $1.40B | $1.02B | $1.03B | $795.00M | $921.00M | $1.33B | $-341.00M | $509.00M | $801.00M | $1.09B | $1.18B | $1.10B | $1.57B | $1.02B | $1.53B | $84.00M |
| Depreciation and Amortization | $249.00M | $255.00M | $263.00M | $265.00M | $263.00M | $270.00M | $269.00M | $270.00M | $326.00M | $330.00M | $333.00M | $328.00M | $326.00M | $323.00M | $316.00M | $300.00M | $301.00M | $298.00M | $297.00M | $293.00M |
| Deferred Income Tax | $223.00M | $-21.00M | $-23.00M | $52.00M | $-229.00M | $-293.00M | $-79.00M | $-67.00M | $-273.00M | $-81.00M | $-441.00M | $-16.00M | $-307.00M | $-72.00M | $-103.00M | $393.00M | $171.00M | $-37.00M | $110.00M | $-79.00M |
| Stock Based Compensation | $283.00M | $284.00M | $312.00M | $342.00M | $403.00M | $394.00M | $376.00M | $357.00M | $308.00M | $239.00M | $312.00M | $442.00M | $331.00M | $311.00M | $401.00M | $378.00M | $387.00M | $373.00M | $360.00M | $291.00M |
| Change in Working Capital | $34.00M | $-152.00M | $-555.00M | $2.00M | $-408.00M | $-71.00M | $39.00M | $-3.00M | $-74.00M | $-22.00M | $-17.00M | $-50.00M | $-67.00M | $-43.00M | $-15.00M | $-97.00M | $-107.00M | $-40.00M | $-30.00M | $77.00M |
| Accounts Receivables | $54.00M | $62.00M | $121.00M | $-152.00M | $-79.00M | $-71.00M | $39.00M | $-3.00M | $-74.00M | $-22.00M | $-17.00M | $-50.00M | $-67.00M | $-43.00M | $-15.00M | $-97.00M | $-107.00M | $-40.00M | $-30.00M | $77.00M |
| Inventory | $- | $- | $- | $- | $12.00M | $-23.00M | $626.00M | $237.00M | $1.07B | $-25.00M | $-183.00M | $404.00M | $- | $- | $- | $- | $- | $- | $- | $- |
| Accounts Payables | $59.00M | $35.00M | $11.00M | $-22.00M | $13.00M | $6.00M | $-15.00M | $3.00M | $20.00M | $-28.00M | $2.00M | $-29.00M | $19.00M | $-91.00M | $75.00M | $-34.00M | $89.00M | $-45.00M | $-27.00M | $-21.00M |
| Other Working Capital | $-79.00M | $-249.00M | $-687.00M | $176.00M | $-354.00M | $17.00M | $-611.00M | $-240.00M | $-1.09B | $53.00M | $181.00M | $-375.00M | $1.20B | $-101.00M | $-453.00M | $-320.00M | $-1.00B | $-759.00M | $533.00M | $106.00M |
| Other Non Cash Items | $484.00M | $238.00M | $1.11B | $1.41B | $1.20B | $-61.00M | $-1.83B | $-182.00M | $-51.00M | $-41.00M | $1.39B | $4.00M | $459.00M | $103.00M | $-194.00M | $361.00M | $-199.00M | $-5.00M | $-55.00M | $1.04B |
| Net Cash Provided by Operating Activities | $2.39B | $1.61B | $1.52B | $1.92B | $2.61B | $1.26B | $-200.00M | $1.17B | $1.16B | $1.75B | $1.25B | $1.22B | $1.22B | $1.51B | $1.31B | $1.76B | $1.35B | $1.31B | $1.77B | $1.42B |
| Investments in Property Plant and Equipment | $-203.00M | $-169.00M | $-157.00M | $-154.00M | $-145.00M | $-158.00M | $-150.00M | $-170.00M | $-158.00M | $-182.00M | $-175.00M | $-191.00M | $-213.00M | $-227.00M | $-247.00M | $-221.00M | $-226.00M | $-241.00M | $-193.00M | $-206.00M |
| Acquisitions Net | $- | $- | $- | $- | $467.00M | $-916.00M | $-874.00M | $655.00M | $-2.88B | $-2.38B | $2.21B | $-147.00M | $-2.29B | $2.00M | $-468.00M | $- | $-3.61B | $3.00M | $- | $-3.61B |
| Purchases of Investments | $-5.51B | $-5.11B | $-8.92B | $-7.08B | $-7.00B | $-4.45B | $-4.42B | $-6.10B | $-3.76B | $-3.30B | $-4.55B | $-8.60B | $-9.21B | $-10.66B | $-9.27B | $-10.97B | $-13.18B | $-13.49B | $-11.25B | $-3.59B |
| Sales Maturities of Investments | $11.35B | $7.16B | $5.00B | $9.24B | $8.19B | $5.37B | $5.30B | $5.45B | $6.64B | $5.68B | $2.34B | $8.75B | $9.31B | $11.71B | $8.96B | $9.72B | $11.18B | $9.94B | $4.28B | $5.51B |
| Other Investing Activities | $-3.17B | $918.00M | $-566.00M | $-1.03B | $-2.04B | $-149.00M | $1.71B | $204.00M | $23.00M | $1.55B | $-3.73B | $-561.00M | $-2.58B | $553.00M | $-852.00M | $-1.36B | $-2.71B | $-2.96B | $-7.34B | $-2.35B |
| Net Cash Used for Investing Activities | $2.46B | $2.80B | $-4.65B | $980.00M | $-534.00M | $-307.00M | $1.56B | $34.00M | $-135.00M | $1.37B | $-3.91B | $-752.00M | $-2.79B | $326.00M | $-1.10B | $-1.58B | $-2.93B | $-3.20B | $-7.53B | $-2.55B |
| Debt Repayment | $-1.25B | $132.00M | $1.25B | $-244.00M | $588.00M | $109.00M | $-289.00M | $67.00M | $129.00M | $58.00M | $1.42B | $182.00M | $-89.00M | $- | $- | $- | $- | $- | $966.00M | $3.00B |
| Common Stock Issued | $40.00M | $- | $55.00M | $- | $45.00M | $- | $81.00M | $1.00M | $57.00M | $- | $83.00M | $3.00M | $72.00M | $1.00M | $87.00M | $2.00M | $65.00M | $1.00M | $70.00M | $1.00M |
| Common Stock Repurchased | $-1.27B | $-1.78B | $-1.50B | $-1.50B | $-607.00M | $-1.43B | $-1.53B | $-1.43B | $-1.01B | $-939.00M | $-750.00M | $-1.50B | $-1.50B | $-350.00M | $-200.00M | $-1.32B | $-265.00M | $-370.00M | $-200.00M | $-800.00M |
| Dividends Paid | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- | $- |
| Other Financing Activities | $-1.11B | $-885.00M | $399.00M | $-617.00M | $2.97B | $1.39B | $-1.54B | $-1.30B | $2.14B | $-2.09B | $902.00M | $620.00M | $939.00M | $-467.00M | $-84.00M | $2.15B | $2.68B | $1.27B | $5.44B | $40.00M |
| Net Cash Used Provided by Financing Activities | $-3.58B | $-2.53B | $200.00M | $-2.36B | $3.00B | $61.00M | $-3.39B | $-2.66B | $1.31B | $-3.17B | $1.45B | $-695.00M | $-578.00M | $-816.00M | $-197.00M | $827.00M | $2.48B | $1.49B | $6.28B | $2.24B |
| Effect of Forex Changes on Cash | $-310.00M | $192.00M | $5.00M | $-94.00M | $171.00M | $-45.00M | $-46.00M | $-4.00M | $98.00M | $-117.00M | $-154.00M | $18.00M | $4.00M | $-72.00M | $8.00M | $-42.00M | $143.00M | $98.00M | $106.00M | $-178.00M |
| Net Change in Cash | $956.00M | $2.08B | $-1.99B | $609.00M | $5.25B | $968.00M | $-2.08B | $-1.46B | $2.43B | $40.00M | $-1.16B | $-186.00M | $-1.94B | $951.00M | $18.00M | $960.00M | $918.00M | $-882.00M | $1.26B | $999.00M |
| Cash at End of Period | $22.39B | $21.43B | $7.70B | $9.69B | $21.83B | $16.58B | $15.62B | $17.69B | $19.16B | $16.72B | $16.68B | $17.84B | $18.03B | $19.97B | $19.02B | $19.00B | $18.04B | $17.12B | $18.00B | $16.74B |
| Cash at Beginning of Period | $21.43B | $19.36B | $9.70B | $9.08B | $16.58B | $15.62B | $17.69B | $19.16B | $16.72B | $16.68B | $17.84B | $18.03B | $19.97B | $19.02B | $19.00B | $18.04B | $17.12B | $18.00B | $16.74B | $15.74B |
| Operating Cash Flow | $2.39B | $1.61B | $1.52B | $1.92B | $2.61B | $1.26B | $-200.00M | $1.17B | $1.16B | $1.75B | $1.25B | $1.22B | $1.22B | $1.51B | $1.31B | $1.76B | $1.35B | $1.31B | $1.77B | $1.42B |
| Capital Expenditure | $-203.00M | $-169.00M | $-157.00M | $-154.00M | $-145.00M | $-158.00M | $-150.00M | $-170.00M | $-158.00M | $-182.00M | $-175.00M | $-191.00M | $-213.00M | $-227.00M | $-247.00M | $-221.00M | $-226.00M | $-241.00M | $-193.00M | $-206.00M |
| Free Cash Flow | $2.19B | $1.45B | $1.37B | $1.76B | $2.47B | $1.10B | $-350.00M | $1.00B | $999.00M | $1.57B | $1.07B | $1.03B | $1.01B | $1.29B | $1.06B | $1.54B | $1.12B | $1.07B | $1.58B | $1.22B |
PayPal Holdings Dividends
Explore PayPal Holdings's dividend history, including dividend yield, payout ratio, and historical payments.
PayPal Holdings News
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PayPal stock price analysis: buy, sell, or hold ahead of earnings?
PayPal stock price on Tuesday, when it publishes its first-quarter financial results, will show whether its business is growing or not. While the PYPL shares have bounced back in the past few days, they remain significantly lower than their 2024 highs.
PayPal Vs. Adyen: Consumer Wallet Vs. Enterprise Stack -- Which Should You Own?
PayPal is undergoing a major transformation to become a comprehensive commerce infrastructure, leveraging AI, crypto, and streamlined transaction layers to boost growth and engagement. Adyen focuses on deepening relevance within existing relationships, showcasing strong operational leverage, and maintaining high margins through intelligent payment routing and enterprise-grade infrastructure. PayPal's valuation reflects execution risks and competitive pressures, while Adyen's premium valuation underscores its consistent growth, operational clarity, and scalability.
2025 Q1 Earnings Guidance From PayPal's Recent Investor Day
PayPal's Investor Day revealed a strong growth outlook, with management targeting a long-term growth rate of +20% and emphasizing profitable growth and free cash flow. PayPal has expanded its customer base to include over 6,000 large enterprises and 20 million small-to-midsize businesses, processing 7.7 million daily transactions. The company is focusing on disciplined capital allocation, reducing operating expenses, share buybacks, and monetizing Venmo to drive higher growth and smarter wallet solutions.
Stay Ahead of the Game With Paypal (PYPL) Q1 Earnings: Wall Street's Insights on Key Metrics
Beyond analysts' top -and-bottom-line estimates for Paypal (PYPL), evaluate projections for some of its key metrics to gain a better insight into how the business might have performed for the quarter ended March 2025.
PayPal and Coinbase Expand Partnership to Drive Innovation of Stablecoin-based Solutions
Coinbase platforms to provide fee-free purchases and easy 1:1 redemption of PayPal USD while companies jointly explore new payment use cases SAN JOSE, Calif. , April 24, 2025 /PRNewswire/ -- PayPal Holdings, Inc. (NASDAQ: PYPL) and Coinbase Global, Inc. (NASDAQ: COIN) today announced an expansion of their partnership to increase the adoption, distribution, and utilization of the PayPal USD (PYUSD) stablecoin.
Coinbase waives fees on PayPal's stablecoin in crypto payments push
Coinbase, the largest publicly traded cryptocurrency exchange, is waiving fees on transactions connected to PayPal's stablecoin and allowing its users to redeem the token directly for U.S. dollars, a major milestone for PayPal as the company doubles down on crypto payments.
PayPal: You Might Not Get A Better Buying Chance Than This
PayPal remains about 80% below its all-time highs, as skepticism has crept in again after the recent steep decline. Management wants to execute an ambitious turnaround plan amidst the current economic challenges, plausibly a tall order. The market has given its verdict, as PYPL saw its gains since July 2024 nearly completely wiped out.
Buy. Hold. Earn Rewards. PayPal Unlocks Rewards for Holding PayPal USD
Users to receive 3.7% annually in PayPal USD (PYUSD) for holding the stablecoin on PayPal or Venmo SAN JOSE, Calif. , April 23, 2025 /PRNewswire/ -- PayPal Holdings, Inc. (NASDAQ: PYPL) today introduced rewards for PYUSD1, a new loyalty offering that will provide US users the ability to earn 3.7%2 annually in rewards on holdings of PayPal USD (PYUSD) in their PayPal or Venmo wallets.
I Have $80 Million But Feel Like I’m Still Working for Someone Else, Will It Ever Change?
The movie Limitless (2011) featured Bradley Cooper in his first dramatic starring role as Eddie Morra, a struggling writer who takes an experimental drug that enhances his cognitive abilities. By turning him into a financial trading wizard, the drug propels him into the stratosphere of high finance. As Eddie relishes his luxurious lifestyle and newfound respect and admiration, he becomes addicted to the drug, the money, and the power, despite increasing mental blackouts, unexplained gaps in his memory, and the threat of mobsters seeking to steal the drug from him. While not a primary aspect of the plot, the underlying theme of addiction in multiple forms is reiterated on several levels while the escalation of the cycle and the difficulty in jumping off the carousel is also explored. It becomes a trap for Eddie, since the fear of returning to his previously humble and failing life outweighs the growing memory and mental problems being triggered by the drug. The threats to Eddie’s life by the Russian mob finally shock him into the realization as to how much else he risks by staying on the ever spinning hamster wheel he has created for himself. The fast track grind is unrelenting, and the temptation to remain on it often outweighs more rational concerns for one’s own mental and physical well-being. Just like a drug addiction, the craving for the momentary thrills of making big profits or collecting big paychecks subsumes common sense safeguards and rational behavior. Combating burnout, especially when finances are not the sole motivation, becomes trickier in identifying the causes and devising the solutions. Key Points The fast lane of 8-figure plus sized deals can be seductive and addictive, becoming a continuous cycle that is difficult to leave. Even with the commensurate financial rewards from a successful career managing huge sums, finding personal fulfillment on a deeper level can elude many who stay in the fast lane. A broader definition and discussion of the nature of success can be helpful in dealing with the pressure and mental toll from the challenges of maintaining the hamster wheel. Are you ahead, or behind on retirement? SmartAsset’s free tool can match you with a financial advisor in minutes to help you answer that today. Each advisor has been carefully vetted, and must act in your best interests. Don’t waste another minute; get started by clicking here.(Sponsor) “Maybe FatFIRE Isn’t About Freedom. Maybe It’s Just Wage Slavery In A Gucci Suit.” The inability to leave the fast track grind after building a net worth of $80 million indicates underlying deep seated insecurities and a prospective psychological and emotional burnout and meltdown. Surprisingly, some people who have achieved profound success can lament about how it’s not all it’s cracked up to be. A Reddit fan who is probably in the top 10% of the 1% richest people posted his personal impressions on the emptiness of reaching the pinnacle of the pyramid. His details were as follows: The poster claims his net worth is roughly $80 million. His assets include multiple liquid forms (i.e. stocks, bonds, real estate, etc.) as well as private equity. The poster’s business is self-owned, so he has no boss, no Key Performance Indicator (KPI) metric hanging over his head, and no fixed 9-5 office hours. Contrary to his expectations, his success seems to have only migrated him to the same type of obligations and daily grind as when he was an employee. He finds his current situation is giving him the same stress and optimization addictions, albeit with “better wine, fancier vacations, and the illusion of control.” While no longer managing the funds of clients, the poster is now managing his own portfolio, putting him in the role of “CFO of his personal empire”, with added pressures and no other life beyond work. Ironically, he finds that the pursuit of FatFIRE (Financial Independence Retire Early) has left him stuck on the hamster wheel, irrationally paranoid of becoming irrelevant if he jumps off. Redefining Success The first step in ending an addiction to the fast track is to consciously take a step back to reassess priorities and find oneself, which is something more than a job or its title. As one might expect, the range of responses was very broad. A number of the responses thought it was a LARP (Live Action Role Play) hoax, with some accusing the poster of actually being a ChatGPT Bot. Others were incredulous, finding the poster’s complaints to be hysterically funny, and thinking it was a ridiculous attempt at virtual signaling for victimhood amidst his $80 million accumulated wealth. Several unsympathetic respondents shot back with a mix of envy and resentment: “At $80 million, you’re working for your ego.” “Ego grows faster than wealth.” “Narcissists are in a prison of their own making.” “You need a life. Go find one.” “The problem is you.” “Cry me a river.” “If it helps you feel better, you’re already irrelevant.” “You made your business your personality and your identity. We all need something to bring us joy other than our job title.” To be fair to the skeptics, the poster apparently had posted 6 months ago asking for investment advice to allocate monthly savings to set up accounts for his kids. It’s doubtful that someone who legitimately has amassed $80 million net worth would not have professional financial advisors and estate planners under retainer already for such a purpose. That said, the topic is certainly a legitimate one that is not without precedent. There were some constructive critiques and helpful suggestions posted in response that are good food for thought: One respondent suggested a redefinition of success to extend beyond simply one’s self and making money to have consideration for others. Satisfaction can be found in creating a legacy to help one’s family for future generations. Type-A personalities who relish competing with their peers often don’t know how to live any other way, so taking a break to reset and assess priorities can offer some sorely needed respite. One respondent psychoanalyzed the poster as existentially running from death and filling the void with activity. Anxiety is expressed by the inability to say “no” to another board seat, etc. The RE part of FIRE is to retire into something with meaning. Not just quit your job once you’ve got enough cash. A former pro athlete advised that the only way to take the retirement plunge is to consciously take the step and be honest with yourself to help work through the reinvention process. Having a wealthy financial situation that affords one retirement options can include such activities as: Angel Investing, advising, charitable foundation management, as well as diversions, like travel, hobbies, meditation, fitness, and spending quality time with family and friends. From someone who conquered being in a similar predicament: Freedom isn’t absolute – it’s a spectrum we negotiate, often unconsciously. Unpacking the real you demands deep introspection and a step back from the C-suite treadmill. Unplug, strip away the noise, and rediscover your own voice. The stakes are low – you can always return to the grind if it calls. For you – success is the baseline. The real challenge is redefining it on your terms. Step off the track and recalibrate – the returns will outpace anything you’ve pitched in the boardroom. One respondent who had attained a similar net worth exited and put his holdings into 80/20 (growth/income) funds so he would have the freedom to travel, spend time with family, learn new skills and play video games. Several who lauded the poster’s choice to stay in the grind pointed out these observations: People who think it’s about ego are off-base. We work for our FUTURE SELVES, and our family. Jeff Bezos had to ask himself “What happens on Day 2?” after he retired from Amazon. Fearing Day 2 means the decision has yet to be truly made. It’s easier to decide to DO something than NOT to do something. If Elon quit after making $180 million with PayPal, we would never have Tesla, X, Starlink, SpaceX, or The Boring Company, so there’s nothing wrong with staying in the game when others might have dropped out earlier. The post I Have $80 Million But Feel Like I’m Still Working for Someone Else, Will It Ever Change? appeared first on 24/7 Wall St..
2 Stocks Down by 25% or More This Year to Buy and Hold
Equity markets have had a rough go of it this year due to President Trump's macroeconomic policies. Though it can be challenging to navigate this environment, one way to make the best of it is to look for terrific stocks to invest in while they are down.
PayPal: Recent Weakness Looks Like A Golden Buying Opportunity
PayPal is investing heavily in AI to streamline its internal processes, which is also highly likely to help in creating value for shareholders and enhance customers' experiences. Venmo, the company's fastest-growing business of the last couple of years, is set to unlock its full monetization potential. The stock is extremely undervalued, with a low 7.8 forward Price/Cash flow ratio and a DCF analysis indicating a 66% upside potential.
PayPal Launches X-Border Payment Collaboration With TerraPay
PayPal and TerraPay are teaming to promote cross-border payments in the Middle East and Africa (MENA). The partnership, announced Tuesday (April 15), is designed to speed cross-border money movement, while making payments more accessible by connecting banks, mobile wallets and financial institutions.
Traders Started Betting on PayPal's Rally Again
When retail investors watch recent buying and selling activity in the market, they typically can get a pretty strong view of what is happening behind the scenes at some of the industry's largest funds and investment houses. However, reported institutional activity reflects the past, and not the recent one at that, so this information assumes the initial buy thesis has to still be valid for action to be taken on it.
Visa vs. PayPal: Which Global Payments Leader Has More Upside?
In the rapidly evolving world of digital payments, two companies continue to lead the charge: Visa Inc. V and PayPal Holdings, Inc. PYPL. Both have played pivotal roles in transforming the global payments landscape, each carving out a dominant position in its niche.
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