PayPal Q3 Earnings: Revenue Falls Short of Expectations, Strong Payment Volume Growth, CEO Sees 15%-20% Increase In BNPL
PayPal Q3 Earnings: Revenue Falls Short of Expectations, Strong Payment Volume Growth, CEO Sees 15%-20% Increase In BNPL
Total payment volumes increased 9% year-over-year to $422.6 billion in the quarter. Payment transactions were up 6% to $6.6 billion, and the payment transactions per active account increased 9% on a trailing 12-month basis to $61.40.PayPal Holdings Inc (NASDAQ:PYPL) reported fiscal third-quarter revenue growth of 6% year over year to $7.85 billion, marginally missing the analyst consensus of $7.88 billion.
paypal控股有限公司（納斯達克: PYPL）報告稱，截至2024年9月30日，第三財季營業收入同比增長6%，達到78.5億美元，略低於分析師共識的78.8億美元。
The company reported an adjusted EPS of $1.20, beating analyst consensus of $1.07. The stock dipped after the print.
公司報告調整後的每股收益爲1.20美元，超過了分析師共識的1.07美元。公佈後股價有所下跌。
Also Read: Apple Pay Expands Buy Now, Pay Later With Affirm, Adds Support For Third-Party Browsers And More
閱讀更多：蘋果支付擴展了現在購買，以後付款的功能，與Affirm合作，爲第三方瀏覽器增加了支持等。
Total payment volumes increased 9% year-over-year to $422.6 billion in the quarter. Payment transactions were up 6% to $6.6 billion, and the payment transactions per active account increased 9% on a trailing 12-month basis to $61.40.
總支付金額同比增長9%，達到4226億美元，支付交易量增長6%，達到66億美元，每個活躍帳戶的支付交易量在過去12個月中增長9%，達到61.40美元。
Total active accounts decreased by 0.9% to 432 million. On a sequential basis, active accounts increased by 0.6%, or 2.6 million.
總活躍帳戶減少了0.9%，達到43200萬。按季度計算，活躍帳戶增加了0.6%，增加了260萬。
The operating margin expanded 198 basis points to 17.7%, and the adjusted operating margin increased 194 bps to 18.8%.
營業利潤率擴大了198個點子，達到17.7%，調整後的營業利潤率增加了194個點子，達到18.8%。
Operating cash flow was $1.6 billion, and free cash flow was $1.4 billion. PayPal held $16.2 billion in cash and equivalents as of September 30, 2024, and had a debt of $12.40 billion on its balance sheet.
營運現金流爲16億美元，自由現金流爲14億美元。截至2024年9月30日，paypal持有162億美元的現金及等值物，資產負債表上的債務爲124億美元。
Outlook: PayPal expects fourth-quarter revenues to increase by a low-single-digit percentage compared to $8.03 billion in the prior year's period and the consensus of $7.81 billion.
展望：paypal預計第四季度營收將比前一年同期的80.3億美元增長低個位數百分比，略高於共識的78.1億美元。
It expects adjusted EPS to decrease by a low- to mid-single-digit percentage or reach $1.03-$1.07, compared to $1.14 for the previous year's period and the consensus of $1.10.
預計調整後的每股收益將下降低至中個位數百分比，或達到1.03-1.07美元，而去年同期爲1.14美元，共識預期爲1.10美元。
PayPal expects full-year 2024 adjusted EPS to increase by a high teens percentage or reach $3.92-$3.96 (prior low-mid-teens percentage) compared to $3.83 Y/Y. Current analyst estimates are calling for an EPS of $4.46 per share.
paypal預計全年2024年調整後的每股收益將增長高位十幾個百分比，或達到3.92-3.96美元（之前爲低中位數百分比），相比去年同比3.83美元。目前分析師預計每股收益爲4.46美元。
On the conference call, the CEO said he sees an increase of 15% to 20% in the Buy-Now-Pay-Later use. Based on the holiday quarter spending trends, the CFO says, "Consumer Feels Strong At This Point."
在電話會議上，CEO表示他看到現在-付款-以後的使用增長15%到20%。基於假日季度的消費趨勢，首席財務官表示，「消費者此時感覺良好」。
PayPal Holdings stock gained over 36% year-to-date.
paypal控股股票年初至今上漲超過36%。
Price Action: PYPL stock is down by 1.11% at $82.66 premarket at the last check on Tuesday.
價格走勢：週二最後一次檢查，PYPL股價以82.66美元進行盤前交易，下跌1.11%。
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Photo courtesy of PayPal.
圖片提供：paypal。
譯文內容由第三人軟體翻譯。
