P

PayPal

Runs a digital wallet for online payments

Overview

Company Historically Provides H1B Sponsorship

PayPal runs a digital wallet and checkout button that let people pay online stores and send money to friends and family, and merchants of every size add it to their websites and apps. Its peer-to-peer app Venmo became one of the most common ways for Americans to split bills and pay each other back. Shoppers link a bank account, card or balance once and then pay without retyping details, while PayPal charges merchants a fee on each sale and also earns from currency conversion, consumer loans and interest on customer balances. The company was founded in 1998, was owned by eBay from 2002 until a 2015 spin-off, and is based in San Jose, California.

Significant Headcount Growth

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About PayPal

Simplify's Rating
Why PayPal is rated
B
Rated A on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

FintechFinancial Services

Company Size

10,001+

Company Stage

IPO

Headquarters

San Jose, California

Founded

1998

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Simplify's Take

What believers are saying

  • Every launch reaches a huge audience: PayPal had 439 million active accounts in June 2026.
  • Venmo drives growth: its payment volume rose 14% in the quarter ending June 2026, a seventh straight double-digit gain.
  • Leadership brings a turnaround playbook: Enrique Lores, HP's CEO for nearly seven years, took over PayPal in March 2026.

What critics are saying

  • Job security is shaky: in May 2026, PayPal announced plans to cut 20% of staff over two to three years.
  • Phone wallets squeeze its checkout button: Apple Pay and Google Pay compete for the same online checkout clicks.
  • Profit growth trails sales: transaction margin dollars, revenue left after processing costs, rose 1% in the quarter ending June 2026.

What makes PayPal unique

  • PayPal works both sides of checkout: its wallet serves shoppers while Braintree processes cards for other brands, unlike Apple Pay.
  • It has its own digital dollar: PYUSD, a stablecoin issued for PayPal by Paxos, works inside PayPal and Venmo.
  • Its reach is unusually global: PayPal serves consumers and businesses in nearly 200 markets, while Block's Cash App covers two.

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Funding

Total Funding

$2.8B

Above

Industry Average

Funded Over

6 Rounds

Post IPO Debt funding comparison data is currently unavailable. We're working to provide this information soon!
Post IPO Debt Funding Comparison Coming Soon

Benefits

  • A Stanford Navigator helps employees research providers and health conditions, and make informed decisions about health care
  • Advance Medical is available for all employees who are looking for a world-class specialist to provide an expert medical opinion for treatment plans
  • Stock Purchase Plans
  • Retirement Savings and Pension Plans
  • Stock Awards
  • Life Insurance and Disability Benefits
  • Paid Time Off
  • Four Weeks Paid Sabbatical for every Five Years of Service
  • Educational and Professional Development benefits
  • Matching Gifts & Volunteerism Opportunities
  • Matching Gifts
  • Skills-Based Volunteering

Stock Price

Growth & Insights and Company News

6 month growth

4%

1 year growth

5%

2 year growth

5%
Yahoo Finance
Oct 31st, 2026
PayPal partners with LianLian Global to send creator payouts into PayPal and Venmo wallets

PayPal Holdings and LianLian Global have announced a global payout partnership for creators, influencers, and contractors. Using LianLian's payout infrastructure, the deal allows mass disbursements directly into PayPal wallets for cross-border recipients. Eligible domestic payouts in the US will go into Venmo wallets. The partnership targets social commerce and gig economy workers. The deal supports PayPal's push to make its wallets a default way to send and receive money, and to deepen Venmo commerce use. PayPal has a market value of about $47.3 billion. Investors may watch for any disclosure of Venmo or creator economy metrics, such as total payment volume or active accounts linked to marketplaces, tied to the LianLian channel.

Yahoo Finance
Oct 27th, 2026
PayPal raises 2026 earnings guidance to $5.60 a share as turnaround gains traction

PayPal Holdings Inc. raised its 2026 adjusted earnings guidance to about $5.60 a share, up from $5.38 given in July. The San Jose, California-based company cited growth in key business units. Third-quarter adjusted earnings were $1.45 a share, beating the $1.31 average analyst estimate. Revenue of $8.58 billion fell short of estimates. Transaction margin dollars reached $3.95 billion, above the $3.89 billion expected. Total payment volume rose 6.3% to $487.1 billion. "We are beginning to see our strategy translate into our financial results," chief executive officer Enrique Lores said. PayPal is diversifying beyond its checkout business and focusing on "high-value consumers." A consortium of Advent and Stripe abandoned its pursuit of PayPal after offering more than $50 billion. The company's market capitalisation is $47 billion.

MarketScreener
Oct 23rd, 2026
Lianlian global partners with paypal to power cross-border Payouts for social commerce, marketplace, and ecommerce customers.

Lianlian global partners with paypal to power cross-border Payouts for social commerce, marketplace, and ecommerce customers. Published on 10/23/2026 at 12:20 am EDT S&P Capital IQ LianLian Global announced it has partnered with PayPal to enable its social commerce, marketplace and e-commerce clients to send payouts directly to PayPal accounts globally and to Venmo accounts in the U.S. Social commerce, marketplaces and eCommerce players served by LianLian Global can now pay creators, influencers, developers, and independent contractors directly to their PayPal and Venmo wallets. The partnership combines LianLian Global's cross-border collection, FX and compliance infrastructure with PayPal's global wallet network. Key offerings include Pay to PayPal: Payouts from LianLian Global clients to PayPal account holders in 96 markets, using only the recipient's email or phone number; Pay to Venmo: Domestic U.S. payouts to Venmo users, including creators, influencers and independent contractors; PayPal Payouts for Platforms: Mass disbursements for social commerce, marketplaces and affiliate platforms paying large numbers of sellers, creators and contractors; Speed to settle: Save time and money by eliminating check runs and postage; no need for routing numbers and bank accounts. The collaboration expands LianLian Global's payout coverage and supports its growth in the U.S. and global markets as cross-border platforms scale their creator and contractor programs. (C) S&P Capital IQ - 2026

Yahoo Finance
Oct 22nd, 2026
PayPal stock: $1.5B cost savings plan and $6B buybacks face two key earnings tests

PayPal's stock lost 16.4% over the past year, while the S&P 500 returned 16.5%. On its July 28, 2026 call, management raised full-year guidance and committed to at least $1.5 billion in yearly gross cost savings over the next two to three years. Two reports fall within six months. Fiscal Q3 results are due in October 2026, and management expects adjusted earnings per share to fall by a low single-digit percentage. Fiscal Q4 and full-year results follow in February 2027. Savings should become more meaningful in fiscal Q4, with actions that could bring about $400 million of yearly gross savings. PayPal also plans about $6 billion of share buybacks in 2026. Management expects 2026 adjusted earnings per share of $5.38 and transaction margin of about $15.6 billion.

Yahoo Finance
Oct 16th, 2026
PayPal's lending arm grows fast as Stripe's $60.50-a-share bid collapses

PayPal's lending arm may be its best shot at faster growth after a reported takeover bid fell through. Stripe and Advent offered $60.50 a share in July, according to Bloomberg, but walked away in late August without a deal. Branded checkout payment volume grew just 2% in the second quarter of fiscal 2026. Financial services, which covers credit and Buy Now Pay Later loans across PayPal and Venmo, is on pace to grow revenue at least twice as fast as the company in 2026. Buy Now Pay Later payment volume rose 26% in the quarter. PayPal reported $8.68 billion in revenue, up 4.8%, and expects total transaction margin of about $15.6 billion in 2026. It plans a consumer lending partnership with Amazon in Germany and Austria, and expects momentum from new investments to build in the second half of 2027.

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