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Cash Flow Overview

Free Cash flow
$903M
Unit: Million (M) dollars
Positive Cash Flow Breakdown
    • Proceeds from repayments and sal...
    • Maturities and sales of investme...
    • Proceeds from repayments and sal...
    • Others
Negative Cash Flow Breakdown
    • Originations of loans receivable...
    • Purchases of investments
    • Transaction expense
    • Others

Cash Flow
2026-03-31
2025-12-31
2025-09-30
2025-06-30
Net revenues
8,353 8,676 8,417 8,288
Transaction expense
4,165 4,252 4,063 3,968
Transaction losses
276 279 397 383
Credit losses
102 111 86 93
Customer support and operations
446 446 447 413
Sales and marketing
518 691 521 583
Technology and development
793 804 801 767
General and administrative
491 502 513 461
Restructuring and other
74 80 69 116
Other income (expense), net
-95 116 13 25
Income tax expense
280 190 285 268
Net income (loss)
1,113 1,437 1,248 1,261
Transaction and credit losses
378 390 483 476
Depreciation and amortization
238 234 245 239
Stock-based compensation
259 210 257 286
Deferred income taxes
-290 124 182 -83
Net (gains) losses on strategic investments
-101 93 10 11
Gain on divestiture of business, excluding transaction costs
NaN 0 NaN NaN
Accretion of discounts on investments, net of amortization of premiums
8 6 20 27
Adjustments to loans and interest receivable, held for sale
-61 -71 -70 -27
Other
-70 42 -52 224
Originations of loans receivable, held for sale
11,306 12,690 9,682 7,729
Proceeds from repayments and sales of loans receivable, originally classified as held for sale
11,073 12,254 9,048 7,667
Accounts receivable
2 -133 -126 17
Transaction loss allowance for cash losses, net
313 1,318 NaN NaN
Other current assets and non-current assets
-249 493 NaN NaN
Accounts payable
-52 10 44 2
Other assets and liabilities
NaN NaN 234 2,592
Other current liabilities and non-current liabilities
-437 599 NaN NaN
Net cash provided by operating activities
1,134 2,384 1,974 898
Purchases of reverse repurchase agreements
0 0 0 1
Maturities of reverse repurchase agreements
0 0 0 201
Purchases of property and equipment
231 194 256 206
Proceeds from sales of property and equipment
8 0 0 1
Purchases and originations of loans receivable
3,865 4,286 4,414 5,982
Proceeds from repayments and sales of loans receivable, originally classified as held for investment
3,754 3,743 4,735 5,733
Purchases of investments
5,923 4,448 4,387 5,594
Maturities and sales of investments
4,521 3,906 7,432 6,130
Proceeds from divestiture of business, net of cash divested
NaN 0 NaN NaN
Acquisitions, net of cash acquired
122 NaN NaN NaN
Funds receivable
352 -929 -1,553 44
Collateral posted related to derivative instruments, net
-110 -58 -109 263
Other
NaN 6 0 -5
Net cash used in investing activities
-2,100 -298 4,772 -20
Borrowings from repurchase agreements
NaN 0 2,544 405
Repayments of repurchase agreements
NaN 0 2,544 405
Proceeds from issuance of common stock
NaN 43 0 74
Purchases of treasury stock
1,500 1,501 1,500 1,551
Tax withholdings related to net share settlements of equity awards
127 66 68 -28
Borrowings under financing arrangements
930 400 746 0
Repayments under financing arrangements
932 201 747 1,207
Funds payable and amounts due to customers
1,094 -489 -250 -504
Collateral received related to derivative instruments and reverse repurchase agreements, net
-108 5 10 10
Payments of dividends to stockholders
130 130 NaN NaN
Other
-2 0 0 -4
Net cash (used in) provided by financing activities
-559 -1,949 -1,829 -3,174
Effect of exchange rate changes on cash, cash equivalents, and restricted cash
-50 28 -44 195
Net change in cash, cash equivalents, and restricted cash
-1,575 165 4,873 -2,101
Cash, cash equivalents, and restricted cash at beginning of period
24,018 23,853 18,980 20,981
Cash, cash equivalents, and restricted cash at end of period
22,443 24,018 23,853 18,980
Unit: Million (M) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Net revenues$8,353M (7.21%↑ Y/Y)Proceeds from repaymentsand sales of loans...$11,073M (71.81%↑ Y/Y)Net income (loss)$1,113M (-13.52%↓ Y/Y)Transaction and creditlosses$378M (1.89%↑ Y/Y)Stock-based compensation$259M (4.02%↑ Y/Y)Other current assetsand non-current...-$249M Depreciation andamortization$238M (-2.86%↓ Y/Y)Net (gains) losseson strategic...-$101M (-310.42%↓ Y/Y)Other-$70M (-195.89%↓ Y/Y)Adjustments to loans andinterest receivable,...-$61M (-144.00%↓ Y/Y)Canceled cashflow$7,240M Net cash provided byoperating activities$1,134M (-2.24%↓ Y/Y)Canceled cashflow$12,408M Transaction expense$4,165M (12.45%↑ Y/Y)Technology and development$793M (8.48%↑ Y/Y)Sales and marketing$518M (6.15%↑ Y/Y)General andadministrative$491M (-2.39%↓ Y/Y)Customer support andoperations$446M (12.06%↑ Y/Y)Income tax expense$280M (-11.39%↓ Y/Y)Transaction losses$276M (-0.72%↓ Y/Y)Credit losses$102M (9.68%↑ Y/Y)Other income(expense), net-$95M (-230.14%↓ Y/Y)Restructuring and other$74M (12.12%↑ Y/Y)Net change in cash,cash equivalents,...-$1,575M (-11.78%↓ Y/Y)Canceled cashflow$1,134M Maturities and sales ofinvestments$4,521M (-17.27%↓ Y/Y)Proceeds from repaymentsand sales of loans...$3,754M (-31.46%↓ Y/Y)Collateral posted relatedto derivative...-$110M (-307.55%↓ Y/Y)Proceeds from sales ofproperty and equipment$8M (300.00%↑ Y/Y)Funds payable andamounts due to customers$1,094M (-22.79%↓ Y/Y)Borrowings under financingarrangements$930M (-37.63%↓ Y/Y)Collateral receivedrelated to derivative...-$108M (-180.00%↓ Y/Y)Originations of loansreceivable, held for sale$11,306M (70.55%↑ Y/Y)Other currentliabilities and non-current...-$437M Transaction loss allowancefor cash losses, net$313M Deferred income taxes-$290M (-4733.33%↓ Y/Y)Accounts payable-$52M (0.00%↑ Y/Y)Accretion of discounts oninvestments, net of...$8M (-73.33%↓ Y/Y)Accounts receivable$2M (-97.96%↓ Y/Y)Net cash used ininvesting activities-$2,100M (42.58%↑ Y/Y)Canceled cashflow$8,393M Net cash (used in)provided by financing...-$559M (-156.24%↓ Y/Y)Effect of exchange ratechanges on cash, cash...-$50M (-153.19%↓ Y/Y)Canceled cashflow$2,132M Purchases of investments$5,923M (-0.79%↓ Y/Y)Purchases andoriginations of loans...$3,865M (-29.83%↓ Y/Y)Funds receivable$352M (-87.16%↓ Y/Y)Purchases of property andequipment$231M (17.86%↑ Y/Y)Acquisitions, net of cashacquired$122M Purchases of treasurystock$1,500M (0.00%↑ Y/Y)Repayments under financingarrangements$932M Payments of dividends tostockholders$130M Tax withholdingsrelated to net share...$127M (-54.15%↓ Y/Y)Other-$2M (0.00%↑ Y/Y)

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