PayPal Holdings, Inc. is a leading technology platform that enables digital payments and simplifies commerce experiences for merchants and consumers worldwide. The company's core business model revolves around providing proprietary payment solutions accepted by merchants, facilitating online and in-person transactions, and offering digital wallets for consumers. PayPal operates a global, two-sided network that connects merchants and consumers, enabling them to manage and move their money across various platforms and devices. The company's competitive advantages include its scale, trusted brands, risk and compliance management, and regulatory licenses. PayPal has a presence in approximately 200 markets.

• Employees: 27,200 (as of December 31, 2023)
• Geographic Footprint: Approximately 200 markets
• Headquarters: San Jose, California
• Founded: January 2015
• Number of locations/facilities: Not specified
• Revenue: $29.77 billion (FY2023)
• Market capitalization: $73.4 billion (as of June 30, 2023, based on non-affiliate holdings)
• Key Subsidiaries/Brands: PayPal, PayPal Credit, Braintree, Venmo, Xoom, Zettle, Hyperwallet, Honey, and Paidy

• CEO: Alex Chriss
• CFO: Jamie Miller
• Board Chair: Not specified
• Other Key Executives: Not specified

Alex Chriss was appointed as CEO in September 2023 and assumed the role in late 2023. Jamie Miller is the CFO

• Annual Revenue: $29.77 billion (FY2023)
• Net Income: $4.25 billion (FY2023)
• Market Cap: $73.4 billion (as of June 30, 2023, based on non-affiliate holdings)
• Total Assets: $82.17 billion (as of December 31, 2023)
• Employees: 27,200 (as of December 31, 2023)
• Key Financial Highlights: Total Payment Volume of $1.53 trillion, a 13% increase from 2022; 25.0 billion payment transactions, a 12% increase from 2022; 426 million active accounts, a 2% decrease from 2022

PayPal offers a range of payment solutions and financial services:

• Digital Wallets: PayPal and Venmo digital wallets enable consumers to send and receive payments, manage funds, and shop online and in-store.
• Merchant Services: End-to-end payment solutions for merchants, including checkout, processing, fraud protection, and risk management.
• Consumer Credit Products: Buy now, pay later options, installment products, and branded credit cards.
• P2P Payments: Domestic and international money transfer services through PayPal, Venmo, and Xoom.

PayPal's operations are not broken down into distinct business segments. The company operates as one segment, focusing on providing payment solutions and financial services to both merchants and consumers across various platforms.

PayPal's strategy focuses on growing its core business, expanding its value proposition, forming strategic partnerships, and seeking new areas of growth. Key initiatives include increasing customer engagement, expanding global capabilities, partnering with merchants, and focusing on innovation in both the digital and physical worlds. The company is also focused on streamlining operations and improving efficiency.

• Key strategic initiatives: Expanding global capabilities, increasing customer engagement, partnering with merchants, focusing on innovation.
• Growth drivers: Increasing adoption of digital payments, expanding into new markets, and enhancing product offerings.
• Investment priorities: Technology infrastructure, product development, and strategic partnerships.

PayPal operates in the highly competitive global payments industry. Key market trends include the increasing adoption of digital payments, the growth of mobile commerce, and the expansion of multiple commerce channels. The company faces competition from banks, financial institutions, payment networks, and other providers of payment products and services.

• Market Position: Not specified
• Key Competitors: Banks, financial institutions, payment networks, and other payment service providers.
• Industry Trends: Increasing adoption of digital payments, growth of mobile commerce, expansion of multiple commerce channels.

• Cybersecurity Risks: Cyberattacks and security vulnerabilities could result in serious harm to the company's reputation, business, and financial condition.
• Operational Risks: Business interruptions or systems failures may impair the availability of the company's websites, applications, products, or services.
• Competition: The company faces substantial and increasingly intense competition worldwide in the global payments industry.
• Regulatory Risks: The company's business is subject to extensive government regulation and oversight, and failure to comply could materially harm its business.
• Financial Risks: Changes to payment card networks or bank fees, rules, or practices could harm the company's business.