PayPal’s transition year hasn’t paid off yet, per Q4 earnings

The news: PayPal’s net revenues increased 4% YoY in Q4 2024, per its earnings release, down from 9% last year.

Other key metrics also underperformed Q4 2023.

  • PayPal’s total payment volume increased 7% YoY to reach $437 billion, down from 15% last year.
  • The number of payment transactions fell 3% YoY, a reversal from 13% growth a year ago.
  • PayPal’s total take rate was 1.91%, down from 1.96% in Q4 2023.