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Cash Flow Overview

Free Cash flow
$1,775M
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
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net revenues
8,682
8,353
8,676
8,417
Transaction expense
4,385
4,165
4,252
4,063
Transaction losses
323
276
279
397
Credit losses
74
102
111
86
Customer support and operations
462
446
446
447
Sales and marketing
546
518
691
521
Technology and development
849
793
804
801
General and administrative
503
491
502
513
Restructuring and other
113
74
80
69
Other income (expense), net
-117
-95
116
13
Income tax expense
206
280
190
285
Net income (loss)
1,104
1,113
1,437
1,248
Transaction and credit losses
397
378
390
483
Depreciation and amortization
246
238
234
245
Stock-based compensation
275
259
210
257
Deferred income taxes
115
-290
124
182
Net (gains) losses on strategic investments
-74
-101
93
10
Gain on divestiture of business, excluding transaction costs
-
-
0
-
Accretion of discounts on investments, net of amortization of premiums
11
8
6
20
Adjustments to loans and interest receivable, held for sale
-65
-61
-71
-70
Other
-9
-70
42
-52
Originations of loans receivable, held for sale
12,473
11,306
12,690
9,682
Proceeds from repayments and sales of loans receivable, originally classified as held for sale
12,300
11,073
12,254
9,048
Accounts receivable
-80
2
-133
-126
Transaction loss allowance for cash losses, net
289
313
1,318
-
Other current assets and non-current assets
192
-249
493
-
Accounts payable
54
-52
10
44
Other assets and liabilities
-
-
-
69
Other current liabilities and non-current liabilities
229
-437
599
-
Net cash provided by operating activities
1,983
1,134
2,384
1,974
Purchases of reverse repurchase agreements
0
0
0
0
Maturities of reverse repurchase agreements
0
0
0
0
Purchases of property and equipment
208
231
194
256
Proceeds from sales of property and equipment
11
8
0
0
Purchases and originations of loans receivable
4,161
3,865
4,286
4,414
Proceeds from repayments and sales of loans receivable, originally classified as held for investment
3,841
3,754
3,743
4,735
Purchases of investments
7,060
5,923
4,448
4,387
Maturities and sales of investments
5,138
4,521
3,906
7,432
Proceeds from divestiture of business, net of cash divested
-
-
0
-
Acquisitions, net of cash acquired
0
122
-
-
Funds receivable
472
352
-929
-1,553
Collateral posted related to derivative instruments, net
-26
-110
-58
-109
Other
0
-
6
0
Net cash used in investing activities
-2,885
-2,100
-298
4,772
Borrowings from repurchase agreements
0
-
0
2,544
Repayments of repurchase agreements
0
-
0
2,544
Proceeds from issuance of common stock
60
-
43
0
Purchases of treasury stock
1,552
1,500
1,501
1,500
Tax withholdings related to net share settlements of equity awards
58
127
66
68
Borrowings under financing arrangements
2,584
930
400
746
Repayments under financing arrangements
744
932
201
747
Funds payable and amounts due to customers
229
1,094
-489
-250
Collateral received related to derivative instruments and reverse repurchase agreements, net
-10
-108
5
10
Payments of dividends to stockholders
122
130
130
-
Other
-4
-2
0
0
Net cash used in financing activities
403
-559
-1,949
-1,829
Effect of exchange rate changes on cash, cash equivalents, and restricted cash
29
-50
28
-44
Net change in cash, cash equivalents, and restricted cash
-470
-1,575
165
4,873
Cash, cash equivalents, and restricted cash at beginning of period
22,443
24,018
20,981
20,981
Cash, cash equivalents, and restricted cash at end of period
21,973
22,443
24,018
23,853
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$8,682M (4.75%↑ Y/Y)Proceeds from repaymentsand sales of loans...$12,300M (60.43%↑ Y/Y)Borrowings under financingarrangements$2,584M Net income (loss)$1,104M (-12.45%↓ Y/Y)Transaction and creditlosses$397M (-16.60%↓ Y/Y)Stock-based compensation$275M (-3.85%↓ Y/Y)Depreciation andamortization$246M (2.93%↑ Y/Y)Other currentliabilities and non-current...$229M Deferred income taxes$115M (238.55%↑ Y/Y)Accounts receivable-$80M (-570.59%↓ Y/Y)Net (gains) losseson strategic...-$74M (-772.73%↓ Y/Y)Adjustments to loans andinterest receivable,...-$65M (-140.74%↓ Y/Y)Accounts payable$54M (2600.00%↑ Y/Y)Other-$9M (-104.02%↓ Y/Y)Funds payable andamounts due to customers$229M (145.44%↑ Y/Y)Proceeds from issuance ofcommon stock$60M (-18.92%↓ Y/Y)Collateral receivedrelated to derivative...-$10M (-200.00%↓ Y/Y)Canceled cashflow$7,578M Net cash provided byoperating activities$1,983M (120.82%↑ Y/Y)Net cash used infinancing activities$403M (112.70%↑ Y/Y)Effect of exchange ratechanges on cash, cash...$29M (-85.13%↓ Y/Y)Canceled cashflow$12,965M Canceled cashflow$2,480M Transaction expense$4,385M (10.51%↑ Y/Y)Technology and development$849M (10.69%↑ Y/Y)Sales and marketing$546M (-6.35%↓ Y/Y)General andadministrative$503M (9.11%↑ Y/Y)Customer support andoperations$462M (11.86%↑ Y/Y)Transaction losses$323M (-15.67%↓ Y/Y)Income tax expense$206M (-23.13%↓ Y/Y)Other income(expense), net-$117M (-568.00%↓ Y/Y)Restructuring and other$113M (-2.59%↓ Y/Y)Credit losses$74M (-20.43%↓ Y/Y)Net change in cash,cash equivalents,...-$470M (77.63%↑ Y/Y)Canceled cashflow$2,415M Maturities and sales ofinvestments$5,138M (-16.18%↓ Y/Y)Proceeds from repaymentsand sales of loans...$3,841M (-33.00%↓ Y/Y)Collateral posted relatedto derivative...-$26M (-109.89%↓ Y/Y)Proceeds from sales ofproperty and equipment$11M (1000.00%↑ Y/Y)Originations of loansreceivable, held for sale$12,473M (61.38%↑ Y/Y)Transaction loss allowancefor cash losses, net$289M Other current assetsand non-current...$192M Accretion of discounts oninvestments, net of...$11M (-59.26%↓ Y/Y)Purchases of treasurystock$1,552M (0.06%↑ Y/Y)Repayments under financingarrangements$744M (-38.36%↓ Y/Y)Payments of dividends tostockholders$122M Tax withholdingsrelated to net share...$58M (307.14%↑ Y/Y)Other-$4M (0.00%↑ Y/Y)Net cash used ininvesting activities-$2,885M (-14325.00%↓ Y/Y)Canceled cashflow$9,016M Purchases of investments$7,060M (26.21%↑ Y/Y)Purchases andoriginations of loans...$4,161M (-30.44%↓ Y/Y)Funds receivable$472M (972.73%↑ Y/Y)Purchases of property andequipment$208M (0.97%↑ Y/Y)
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