PayPal(PYPL) - 2024 Q3 - Earnings Call Presentation

Financial Performance - PayPal's total payment volume (TPV) reached $422641 million, a 9% year-over-year increase (9% FXN)[15] - The company's revenue was $7847 million, showing a 6% year-over-year growth (6% FXN)[15] - Transaction margin dollars (TM$) grew by 8% to $3654 million[15] - Excluding interest on customer balances, TM$ increased by 6% to $3315 million[15] - Non-GAAP EPS increased by 22% to $120[15] - Free cash flow increased by 31% to $1445 million[15] User Engagement - Active accounts reached 432 million, a 1% year-over-year increase[17] - Monthly active accounts (MAA) grew by 2% year-over-year, reaching 223 million[17] - The number of payment transactions increased by 6% year-over-year to 6631 million[17] - Transactions per active account (TPA) increased by 9% year-over-year to 614, while TPA excluding PSP grew by 5%[17] Strategic Initiatives - Early data indicates that upgraded branded checkout is driving an average conversion uplift of over 100 bps for vaulted checkout and up to 400 bps for one-time checkout when implemented properly[10]