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The latest financial statement is for the year ending 2025-12-31.

Cash Flow Overview

Free Cash flow
$5,564M
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
    • Purchases and originations of lo...
    • Others

Cash Flow
2025-12-31
2024-12-31
2023-12-31
2022-12-31
Net revenues
33,172 31,797 --
Transaction expense
15,987 15,697 --
Transaction losses
1,337 1,114 --
Credit losses
383 328 --
Customer support and operations
1,704 1,768 --
Sales and marketing
2,283 2,001 --
Technology and development
3,103 2,979 --
General and administrative
1,979 2,147 --
Restructuring and other
331 438 --
Other income (expense), net
227 4 --
Income tax expense
1,059 1,182 --
Net income (loss)
5,233 4,147 4,246 2,419
Transaction and credit losses
1,720 1,442 1,682 1,572
Depreciation and amortization
963 1,032 1,072 1,317
Stock-based compensation
1,002 1,230 1,475 1,261
Deferred income taxes
217 231 -668 -811
Net (gains) losses on strategic investments
162 -285 201 -304
Gain on divestiture of business, excluding transaction costs
0 0 356 -
Accretion of discounts on investments, net of amortization of premiums
83 335 367 -
Adjustments to loans and interest receivable, held for sale
-193 -125 -53 -
Other
287 3 104 -205
Originations of loans receivable, held for sale
36,730 24,498 11,470 -
Proceeds from repayments and sales of loans receivable, originally classified as held for sale
35,414 24,352 10,795 -
Accounts receivable
-144 -85 114 163
Transaction loss allowance for cash losses, net
1,318 1,131 1,188 1,230
Other current assets and non-current assets
493 8 -203 -118
Accounts payable
4 83 7 -35
Income taxes payable
---373
Other current liabilities and non-current liabilities
599 413 -222 483
Net cash provided by operating activities
6,416 7,450 4,843 5,813
Purchases of reverse repurchase agreements
201 424 --
Maturities of reverse repurchase agreements
288 337 --
Purchases of property and equipment
852 683 623 706
Proceeds from sales of property and equipment
3 1 45 5
Purchases and originations of loans receivable
20,190 21,807 25,198 28,170
Principal repayment of loans receivable
---24,903
Proceeds from repayments and sales of loans receivable, originally classified as held for investment
19,688 20,272 26,660 -
Purchases of investments
--21,980 20,219
Maturities and sales of investments
--24,295 23,411
Purchases of investments
20,399 26,209 --
Acquisitions, net of cash and restricted cash acquired
--0 0
Maturities and sales of investments
22,933 26,962 --
Proceeds from divestiture of business, net of cash divested
0 0 466 -
Funds receivable
303 -2,908 2,943 2,813
Collateral posted related to derivative instruments, net
149 -73 56 19
Other
21 -159 -86 -187
Net cash provided by investing activities
797 1,589 752 -3,421
Borrowings from repurchase agreements
2,949 656 --
Repayments of repurchase agreements
2,949 656 --
Proceeds from issuance of common stock
117 95 127 143
Purchases of treasury stock
6,052 6,047 5,002 4,199
Tax withholdings related to net share settlements of equity awards
383 351 257 336
Borrowings under financing arrangements
2,637 1,546 1,528 3,475
Repayments under financing arrangements
2,155 1,661 1,053 1,686
Funds payable and amounts due to customers
174 -1,954 1,861 1,498
Collateral received related to derivative instruments and reverse repurchase agreements, net
160 -156 --
Collateral received related to derivative instruments, net
--197 6
Payments of dividends to stockholders
130 ---
Other
-6 -60 0 1
Net cash used in financing activities
-5,958 -8,276 -2,993 -1,110
Effect of exchange rate changes on cash, cash equivalents, and restricted cash
273 -207 76 -155
Net change in cash, cash equivalents, and restricted cash
1,528 556 2,678 1,127
Cash and cash equivalents at beginning of period
22,490 21,834 19,156 18,029
Cash and cash equivalents at end of period
24,018 22,390 21,834 19,156
Unit: Million (M) dollars (except for numbers of shares and EPS).

Time Plot

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

Cash Flow

Net revenues$33,172M (4.32%↑ Y/Y)Other income(expense), net$227M (5575.00%↑ Y/Y)Proceeds from repaymentsand sales of loans...$35,414M (45.43%↑ Y/Y)Maturities and sales ofinvestments$22,933M (-14.94%↓ Y/Y)Net income (loss)$5,233M (26.19%↑ Y/Y)Transaction and creditlosses$1,720M (19.28%↑ Y/Y)Stock-based compensation$1,002M (-18.54%↓ Y/Y)Depreciation andamortization$963M (-6.69%↓ Y/Y)Other currentliabilities and non-current...$599M (45.04%↑ Y/Y)Deferred income taxes$217M (-6.06%↓ Y/Y)Adjustments to loans andinterest receivable,...-$193M (-54.40%↓ Y/Y)Accounts receivable-$144M (-69.41%↓ Y/Y)Accounts payable$4M (-95.18%↓ Y/Y)Proceeds from repaymentsand sales of loans...$19,688M (-2.88%↓ Y/Y)Maturities of reverserepurchase agreements$288M (-14.54%↓ Y/Y)Proceeds from sales ofproperty and equipment$3M (200.00%↑ Y/Y)Canceled cashflow$28,166M Net cash provided byoperating activities$6,416M (-13.88%↓ Y/Y)Net cash provided byinvesting activities$797M (-49.84%↓ Y/Y)Effect of exchange ratechanges on cash, cash...$273M (231.88%↑ Y/Y)Canceled cashflow$39,073M Canceled cashflow$42,115M Transaction expense$15,987M (1.85%↑ Y/Y)Technology and development$3,103M (4.16%↑ Y/Y)Sales and marketing$2,283M (14.09%↑ Y/Y)General andadministrative$1,979M (-7.82%↓ Y/Y)Customer support andoperations$1,704M (-3.62%↓ Y/Y)Transaction losses$1,337M (20.02%↑ Y/Y)Income tax expense$1,059M (-10.41%↓ Y/Y)Credit losses$383M (16.77%↑ Y/Y)Restructuring and other$331M (-24.43%↓ Y/Y)Net change in cash,cash equivalents,...$1,528M (174.82%↑ Y/Y)Canceled cashflow$5,958M Originations of loansreceivable, held for sale$36,730M (49.93%↑ Y/Y)Transaction loss allowancefor cash losses, net$1,318M (16.53%↑ Y/Y)Other current assetsand non-current...$493M (6062.50%↑ Y/Y)Other$287M (9466.67%↑ Y/Y)Net (gains) losseson strategic...$162M (156.84%↑ Y/Y)Accretion of discounts oninvestments, net of...$83M (-75.22%↓ Y/Y)Borrowings from repurchaseagreements$2,949M (349.54%↑ Y/Y)Borrowings under financingarrangements$2,637M (70.57%↑ Y/Y)Funds payable andamounts due to customers$174M (108.90%↑ Y/Y)Proceeds from issuance ofcommon stock$117M (23.16%↑ Y/Y)Purchases of investments$20,399M (-22.17%↓ Y/Y)Purchases andoriginations of loans...$20,190M (-7.42%↓ Y/Y)Purchases of property andequipment$852M (24.74%↑ Y/Y)Funds receivable$303M (110.42%↑ Y/Y)Purchases of reverserepurchase agreements$201M (-52.59%↓ Y/Y)Collateral posted relatedto derivative...$149M (304.11%↑ Y/Y)Other$21M (113.21%↑ Y/Y)Net cash used infinancing activities-$5,958M (28.01%↑ Y/Y)Canceled cashflow$5,877M Purchases of treasurystock$6,052M (0.08%↑ Y/Y)Repayments of repurchaseagreements$2,949M (349.54%↑ Y/Y)Repayments under financingarrangements$2,155M (29.74%↑ Y/Y)Tax withholdingsrelated to net share...$383M (9.12%↑ Y/Y)Collateral receivedrelated to derivative...$160M (202.56%↑ Y/Y)Payments of dividends tostockholders$130M Other-$6M (90.00%↑ Y/Y)

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