Providing alpha-generating investment ideas. I am an independent investor managing my family's portfolio, primarily via a Self Managed Super Fund. You can expect my articles to deliver a clearly structured, evidence-based thesis. But first and foremost, I encourage readers to judge me on my performance.I have a generalist approach as I explore, analyze and invest in any sector so long there is perceived alpha potential vs the S&P500. The typical holding period ranges between a few quarters to multiple years ...

Financial Risks - The company faces risks related to account holders defaulting on credit products, with potential increases in non-payment rates due to economic conditions and changes in underwriting standards [125]. - The company incurs substantial losses from its purchase protection programs due to disputes filed by customers, which may not be fully recoverable from merchants [134]. - The company may face increased exposure to fraud losses due to evolving fraud schemes and inadequate detection measures, which could harm its reputation and financial results [132]. - The company has incurred indebtedness, which may limit flexibility in operations and affect cash flow for other purposes [151]. - Changes in tax laws and regulations could materially affect the company's effective tax rate and cash flows [156]. Operational Risks - Merchant loans under the U.S. PayPal Working Capital and PayPal Business Loan products are provided by a state-chartered industrial bank, with the company acquiring receivables post-origination [127]. - The company relies on third parties for various services, creating operational and compliance risks that could impact financial results [130]. - The company holds significant amounts of customer funds, and any failure to manage these effectively could harm business operations [150]. - The company is subject to risks associated with information disseminated through its services, which could lead to legal claims and operational challenges [161]. Market and Economic Factors - In June 2023, the company entered a multi-year agreement to sell a substantial majority of its U.K. and European buy now, pay later loan receivables, which may be subject to conditions that could delay expected benefits [129]. - Cross-border trade is a significant revenue source, but it may be negatively impacted by factors such as foreign exchange fluctuations and trade barriers, potentially harming revenues and profits [131]. - The company faces potential adverse impacts on demand for its products and services due to macroeconomic factors such as unemployment, consumer debt levels, and geopolitical conditions [144]. Strategic and Regulatory Challenges - Strategic transactions, including acquisitions and partnerships, may involve significant challenges and risks that could adversely affect the company's financial condition [139]. - Changes in laws and regulations regarding loan origination could materially impact the company's U.S. credit products and overall business [128]. - The company's international operations generate a significant portion of net revenues but expose it to risks including regulatory compliance and political instability [141]. Reputation and Brand Management - The company's reputation and brand recognition are critical for attracting and retaining customers, and any damage could adversely affect business results [145]. - Key metrics are calculated using internal data, and inaccuracies could harm the company's reputation and business performance [146]. - Environmental, social, and governance (ESG) issues may negatively impact the company's financial condition and reputation if not managed properly [147]. - Climate-related risks, such as extreme weather events, could disrupt operations and lead to additional costs [148]. Investment and Financial Management - Strategic investments in non-marketable equity securities are regularly reviewed for impairment, requiring significant judgment and estimates [284].

JP Morgan analyst Tien-tsin Huang maintained an Overweight rating on PayPal Holdings, Inc PYPL.PayPal’s fourth-quarter revenue growth of 4% was slightly ahead of JP Morgan and Street expectations and guidance (low-single-digit). The key transaction margin dollar metric was also ahead, up 7% versus JP Morgan and Street estimates of +4% and +3%.Also Read: Sirius XM Q4 Earnings Beats Estimates, CEO Highlights Focus On In-Car Subscriptions, Ad-Supported GrowthGross yields were about in line with expectations, w ...

PayPal Holdings (PYPL) reported fourth-quarter 2024 non-GAAP earnings of $1.19 per share, which surpassed the Zacks Consensus Estimate by 5.31% and climbed 4.4% year over year.Find the latest EPS estimates and surprises on Zacks Earnings Calendar.Net revenues of $8.366 billion increased 4.2% year over year on a reported basis and 7% on a forex-neutral basis. The figure beat the consensus mark by 1.67%.However, shares were down roughly 9% as the company’s non-GAAP operating margin contracted 30 bps on a year ...

PayPal’s fourth-quarter earnings results showed slowing growth along several metrics, as well as continued traction in the company’s branded checkout initiatives.Total payment volumes were up 7% year on year to $437.8 billion, which was lower than the 9% annual growth logged in the third quarter, according to a Tuesday (Feb. 4) earnings presentation. In the fourth quarter of last year, the annual pace was 15%. Transaction revenue growth in the most recent quarter was 4%, down from the 11% rate at the start ...

Although financial figures are edging upward, the company's turnaround story might not be complete yet.Here's our initial take on PayPal's (PYPL -10.82%) fourth-quarter results.Key MetricsMetricQ4 FY23Q4 FY24Changevs. ExpectationsRevenue$8.03 billion$8.37 billion+4%BeatEarnings per share$1.29$1.11-15%BeatTotal payment volume$409.8 billion$437.8 billion+7%n/aActive accounts422 million434 million+2.1%n/aPayPal in Stable Growth Mode, but Some Concerns LingerPayPal's fourth-quarter results looked a lot like wha ...

PayPal Holdings Inc (NASDAQ:PYPL) stock is down 9.9% to trade at $80.61 at last check, brushing off a top- and bottom-line beat for the fourth quarter due to contracting margins. The fintech giant also announced an upbeat 2025 forecast amid Venmo growth.PYPL is on track for its worst single-day percentage loss since in about a year, and earlier fell to $80,20, its lowest level since November. The shares still sport a 31.5% year-over-year lead, though, and long-term support from their 120-day moving average ...

Key TakeawaysPayPal shares fell Tuesday morning after the company's adjusted earnings fell short for the fourth quarter.The company's projections for adjusted earnings per share in the first quarter and 2025 also missed estimates.Revenue and net income beat estimates, and PayPal also announced a new $15 billion stock buyback program. Shares of PayPal slumped Tuesday as the payment platform's adjusted earnings missed estimates for the final quarter of 2024. The owner of its namesake platform and others such ...

Michael Wiggins De Oliveira is an inflection investor. This means buying into cheap companies at the moment when their narrative is changing and the business is on a path toward becoming significantly more profitable over the next year.With a focus on tech and “the Great Energy Transition (including uranium)”, Michael runs a concentrated portfolio with approximately 15 to 20 stocks and an average holding period of 18 months. Through his 10+ years analyzing countless companies, Michael has accumulated outsta ...

Paypal (PYPL) reported $8.37 billion in revenue for the quarter ended December 2024, representing a year-over-year increase of 4.2%. EPS of $1.19 for the same period compares to $1.48 a year ago.The reported revenue compares to the Zacks Consensus Estimate of $8.23 billion, representing a surprise of +1.67%. The company delivered an EPS surprise of +5.31%, with the consensus EPS estimate being $1.13.While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how t ...