Paypal (PYPL) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates

Core Insights - Paypal reported $8.37 billion in revenue for Q4 2024, a year-over-year increase of 4.2% [1] - The EPS for the same period was $1.19, down from $1.48 a year ago [1] - The revenue exceeded the Zacks Consensus Estimate of $8.23 billion by 1.67% [1] - The EPS also surpassed the consensus estimate of $1.13 by 5.31% [1] Financial Metrics - Total Payment Volume (TPV) reached $437.84 billion, slightly above the estimated $435.29 billion [4] - The transaction take rate was 1.7%, matching the average estimate [4] - Transaction margin improved to 47%, compared to the estimated 46.4% [4] - Total take rate remained at 1.9%, consistent with the average estimate [4] - Transaction expense rate was 0.9%, aligning with the average estimate [4] - Active accounts were reported at 434, matching the analyst estimate [4] - The number of payment transactions was 6,619, below the estimated 6,930 [4] - Transaction and credit loss rate was 0.1%, consistent with the average estimate [4] - Revenues from other value-added services were $778 million, exceeding the average estimate of $738.97 million, reflecting a year-over-year change of 4.7% [4] - Transaction revenues totaled $7.59 billion, surpassing the average estimate of $7.49 billion, also showing a year-over-year increase of 4.2% [4] Stock Performance - Paypal's stock has remained unchanged over the past month, while the Zacks S&P 500 composite increased by 1% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market [3]