PYPL

PayPal Holdings, Inc., known by its stock ticker PYPL, is a United States–based multinational fintech company that provides digital payments and transfers through its platform. Headquartered in San Jose, California, PayPal operates a network that enables individuals and merchants to send and receive payments online, via mobile devices, and across e-commerce sites.

PayPal originated in 1998 as Confinity, later merging with X.com, an online banking venture founded by Elon Musk. The company was acquired by eBay in 2002 and operated as a subsidiary until a 2015 spinoff that returned PayPal to independence. Since then, PayPal has expanded through acquisitions and product development, notably purchasing Braintree in 2013 (which included the Venmo peer-to-peer service) and Xoom in 2015 for cross-border transfers, and Honey in 2020 to aid shopping experiences.

PayPal offers PayPal Checkout, PayPal Wallet, Venmo for consumer-to-consumer payments, Xoom for international transfers, and PayPal Credit financing. It serves consumers and merchants worldwide, supports card and bank transfers, and provides merchant tools such as payment processing, fraud protection, and point-of-sale integrations through its Braintree platform. The company operates a digital wallet that can be funded by bank accounts, cards, or PayPal balance.

PYPL is listed on the Nasdaq Stock Market under ticker PYPL and is a component of the S&P 500. It operates globally with a strategy focused on expanding merchant services, cross-border payments, and consumer wallet adoption. Revenue primarily comes from transaction-based fees and value-added services, supplemented by interest and other income.

The company operates in a regulated financial services environment and faces competition from Stripe, Adyen, Square, and traditional banks, requiring ongoing compliance and risk management efforts.