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PayPal's net profit in the second quarter of 2025 increased by more than US $100 million year-on-year, an increase of 12%: net income increased by 5%

尽管运营费用有所上升，但营业利润依然实现了1.79亿美元的增长，增幅为14%，营业利润率从上年同期的17%提升至18%。净利润较上年同期增加1.33亿美元，增幅为12%。在六个月期间，净收入较上年同期增加4.95亿美元，增幅为3%，交易处理量增长5%以及贷款应收款组合所获利息和手续费收入增加是主要推动因素。总运营费用较上年同期减少4600万美元，营业利润则大幅增加5.41亿美元，增幅达22%，营业利润率从16%提升至19%。

PayPal's net profit in the second quarter of 2025 increased by more than US $100 million year-on-year, an increase of 12%: net income increased by 5%

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The report shows that PayPal's net revenue,<span>Operating profit</span>And<span>Net profit</span>Other key indicators have achieved a certain degree of growth, but the number of payment transactions has declined, and at the same time, they are facing challenges such as increased transaction losses.</p><p><img src=\"https://fid-75186.picgzc.qpic.cn/20250731071846162v163zxqe16382ka\"/><strong>Quarterly Financial Highlights: Growth and Change Coexist</strong></p><p>During the three-month period ended June 30, 2025, PayPal net revenue increased by $403 million, or 5%, compared with the same period last year, primarily driven by a 6% increase in total payments (TPV) and an increase in interest and fee income earned from the loan receivables portfolio. However, total operating expenses also increased by $224 million, or 3%, from the prior-year quarter, primarily due to increases in trading and credit losses and selling and marketing expenses, although they were somewhat offset by lower general and administrative expenses. Despite the increase in operating expenses, operating profit still achieved an increase of US $179 million, an increase of 14%, and operating profit margin increased from 17% in the same period last year to 18%. Net profit increased by US $133 million, or 12%, compared with the same period last year.</p><p>During the six-month period, net income increased by $495 million, or 3%, compared to the prior-year quarter, driven by a 5% increase in transaction processing volume and higher interest and fee income earned from the loan receivables portfolio. Total operating expenses decreased by US $46 million compared with the same period last year, while operating profit increased significantly by US $541 million, an increase of 22%, and operating profit margin increased from 16% to 19%. Net profit increased by US $532 million, or 26%, compared with the same period last year.</p><p><strong>Revenue Structure Analysis: Transaction and Value-Added Business Performance Different</strong></p><p>In terms of trading revenue, it increased by $288 million (4%) and $270 million (2%) for the three-and six-month periods ended June 30, 2025, respectively. The increase was primarily driven by higher PayPal and Venmo product and service revenue, but Braintree product and service revenue declined due to a decrease in the number of payment transactions. It is worth noting that the growth in transaction revenue was lower than the growth in total payment volume (TPV) due to changes in product mix, merchant mix, and adverse effects from foreign exchange hedging.</p><p>Other value-added business revenue performed well, increasing by US $115 million (16%) and US $225 million (16%) during the three and six months ended June 30, 2025, respectively, mainly due to the increase in interest and fee income generated by the loan receivable portfolio, and the increase in revenue sharing from partner institutions.</p><p><img src=\"https://mmbiz.qpic.cn/mmbiz_png/0l4oy5JiaOsQZuJ2JlYrNgApRmaSSYqdEuR6WMUpqoy9HXQLyH6jMicnoia9CkXSIibPeQ18wSyAuiatI2wicQ9Okic4g/640?wx_fmt=png&from=appmsg\"/><strong>Expenses and Losses: Cost Control and Risk Challenges</strong></p><p>Transaction fees increased by $26 million (1%) during the three-month period and decreased by $187 million (2%) during the six-month period, closely correlated with changes in transaction volumes for Braintree's products and services and adjustments to merchant mix and regional mix. Transaction losses and credit losses increased by $141 million (42%) and $191 million (29%) in the three-month and six-month periods, respectively, compared with the same period last year, mainly due to the increase in losses caused by fraud incidents in PayPal and Venmo products and services.</p><p>Customer support and operating expenses decreased by $23 million (5%) and $79 million (9%) during the three-month and six-month periods, respectively, primarily driven by lower employee-related costs and software expenses. Sales and marketing expenses increased by US $137 million (31%) and US $204 million (24%), respectively, due to the substantial increase in marketing and brand advertising expenses. General and administrative expenses decreased by $109 million (19%) and $70 million (7%) during the three-month and six-month periods, respectively, primarily due to factors such as lower indirect tax expenses and lower employee-related expenses. Restructuring and other expenses decreased by $143 million during the six-month period, primarily due to lower restructuring expenses.</p><p><strong>Other financial indicators: changes in tax rate, cash flow, etc.</strong></p><p>Effective income tax rates decreased during the three-and six-month periods ended June 30, 2025 compared to the same period last year, primarily due to the impact of discrete tax adjustments. Net cash provided by operating activities decreased by $1.4 billion during the six-month period compared with the same period last year, mainly due to<span>Current asset</span>Increase,<span>Current liability</span>The impact of factors such as decrease and changes in working capital. Net cash used in investing activities increased $110 million during the six-month period compared to the prior-year quarter, and net cash used in financing activities for financing increased $18 million during the six-month period compared to the prior-year quarter.</p><p></article></body></html></p>","source":"tencent","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>PayPal's net profit in the second quarter of 2025 increased by more than US $100 million year-on-year, an increase of 12%: net income increased by 5%</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nPayPal's net profit in the second quarter of 2025 increased by more than US $100 million year-on-year, an increase of 12%: net income increased by 5%\n</h2>\n<h4 class=\"meta\">\n<p class=\"head\">\n<strong class=\"h-name small\">金融虎网</strong><span class=\"h-time small\">2025-07-31 07:08</span>\n</p>\n</h4>\n</header>\n<article>\n<p><html><body><article><img src=\"https://fid-75186.picgzc.qpic.cn/20250731071839932v163zibpg8jsgqh\"/><img src=\"https://fid-75186.picgzc.qpic.cn/20250731071845680v163k85l4x5hggf\"/>Financial Tiger News July 30 news,<a href=\"https://laohu8.com/S/PYPL\">PayPal</a>Announced its quarterly results report, which details its financial performance for the three-month and six-month periods ended June 30, 2025. The report shows that PayPal's net revenue,<span>Operating profit</span>And<span>Net profit</span>Other key indicators have achieved a certain degree of growth, but the number of payment transactions has declined, and at the same time, they are facing challenges such as increased transaction losses.</p><p><img src=\"https://fid-75186.picgzc.qpic.cn/20250731071846162v163zxqe16382ka\"/><strong>Quarterly Financial Highlights: Growth and Change Coexist</strong></p><p>During the three-month period ended June 30, 2025, PayPal net revenue increased by $403 million, or 5%, compared with the same period last year, primarily driven by a 6% increase in total payments (TPV) and an increase in interest and fee income earned from the loan receivables portfolio. However, total operating expenses also increased by $224 million, or 3%, from the prior-year quarter, primarily due to increases in trading and credit losses and selling and marketing expenses, although they were somewhat offset by lower general and administrative expenses. Despite the increase in operating expenses, operating profit still achieved an increase of US $179 million, an increase of 14%, and operating profit margin increased from 17% in the same period last year to 18%. Net profit increased by US $133 million, or 12%, compared with the same period last year.</p><p>During the six-month period, net income increased by $495 million, or 3%, compared to the prior-year quarter, driven by a 5% increase in transaction processing volume and higher interest and fee income earned from the loan receivables portfolio. Total operating expenses decreased by US $46 million compared with the same period last year, while operating profit increased significantly by US $541 million, an increase of 22%, and operating profit margin increased from 16% to 19%. Net profit increased by US $532 million, or 26%, compared with the same period last year.</p><p><strong>Revenue Structure Analysis: Transaction and Value-Added Business Performance Different</strong></p><p>In terms of trading revenue, it increased by $288 million (4%) and $270 million (2%) for the three-and six-month periods ended June 30, 2025, respectively. The increase was primarily driven by higher PayPal and Venmo product and service revenue, but Braintree product and service revenue declined due to a decrease in the number of payment transactions. It is worth noting that the growth in transaction revenue was lower than the growth in total payment volume (TPV) due to changes in product mix, merchant mix, and adverse effects from foreign exchange hedging.</p><p>Other value-added business revenue performed well, increasing by US $115 million (16%) and US $225 million (16%) during the three and six months ended June 30, 2025, respectively, mainly due to the increase in interest and fee income generated by the loan receivable portfolio, and the increase in revenue sharing from partner institutions.</p><p><img src=\"https://mmbiz.qpic.cn/mmbiz_png/0l4oy5JiaOsQZuJ2JlYrNgApRmaSSYqdEuR6WMUpqoy9HXQLyH6jMicnoia9CkXSIibPeQ18wSyAuiatI2wicQ9Okic4g/640?wx_fmt=png&from=appmsg\"/><strong>Expenses and Losses: Cost Control and Risk Challenges</strong></p><p>Transaction fees increased by $26 million (1%) during the three-month period and decreased by $187 million (2%) during the six-month period, closely correlated with changes in transaction volumes for Braintree's products and services and adjustments to merchant mix and regional mix. Transaction losses and credit losses increased by $141 million (42%) and $191 million (29%) in the three-month and six-month periods, respectively, compared with the same period last year, mainly due to the increase in losses caused by fraud incidents in PayPal and Venmo products and services.</p><p>Customer support and operating expenses decreased by $23 million (5%) and $79 million (9%) during the three-month and six-month periods, respectively, primarily driven by lower employee-related costs and software expenses. Sales and marketing expenses increased by US $137 million (31%) and US $204 million (24%), respectively, due to the substantial increase in marketing and brand advertising expenses. General and administrative expenses decreased by $109 million (19%) and $70 million (7%) during the three-month and six-month periods, respectively, primarily due to factors such as lower indirect tax expenses and lower employee-related expenses. Restructuring and other expenses decreased by $143 million during the six-month period, primarily due to lower restructuring expenses.</p><p><strong>Other financial indicators: changes in tax rate, cash flow, etc.</strong></p><p>Effective income tax rates decreased during the three-and six-month periods ended June 30, 2025 compared to the same period last year, primarily due to the impact of discrete tax adjustments. Net cash provided by operating activities decreased by $1.4 billion during the six-month period compared with the same period last year, mainly due to<span>Current asset</span>Increase,<span>Current liability</span>The impact of factors such as decrease and changes in working capital. Net cash used in investing activities increased $110 million during the six-month period compared to the prior-year quarter, and net cash used in financing activities for financing increased $18 million during the six-month period compared to the prior-year quarter.</p><p></article></body></html></p>\n<div class=\"bt-text\">\n\n\n<p> source：<a href=\"http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN20250731071936a6ca5409&s=b\">金融虎网</a></p>\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"PYPL":"PayPal"},"source_url":"http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN20250731071936a6ca5409&s=b","is_english":false,"share_image_url":"https://static.laohu8.com/9a95c1376e76363c1401fee7d3717173","article_id":"2555078785","content_text":"金融虎讯 7月30日消息，PayPal公布了其季度业绩报告，详细展示了截至2025年6月30日的三个月及六个月期间的财务表现。报告显示，PayPal在净收入、营业利润和净利润等关键指标上均取得了一定程度的增长，但在支付交易数量等方面有所下滑，同时面临着交易损失增加等挑战。季度财务亮点：增长与变化并存在截至2025年6月30日的三个月期间，PayPal净收入较上年同期增长4.03亿美元，增幅达5%，这主要得益于总支付额（TPV）增长6%以及贷款应收款组合所获利息和手续费收入的增加。然而，总运营费用也较上年同期增加2.24亿美元，增幅为3%，主要源于交易和信贷损失以及销售和营销费用的增长，不过一般及行政费用的下降在一定程度上进行了抵消。尽管运营费用有所上升，但营业利润依然实现了1.79亿美元的增长，增幅为14%，营业利润率从上年同期的17%提升至18%。净利润较上年同期增加1.33亿美元，增幅为12%。在六个月期间，净收入较上年同期增加4.95亿美元，增幅为3%，交易处理量增长5%以及贷款应收款组合所获利息和手续费收入增加是主要推动因素。总运营费用较上年同期减少4600万美元，营业利润则大幅增加5.41亿美元，增幅达22%，营业利润率从16%提升至19%。净利润较上年同期增加5.32亿美元，增幅为26%。收入结构剖析：交易与增值业务表现各异交易收入方面，截至2025年6月30日的三个月和六个月期间，分别增长了2.88亿美元（4%）和2.7亿美元（2%）。增长主要来自PayPal和Venmo产品及服务收入的增加，但Braintree产品及服务收入因支付交易数量减少而下降。值得注意的是，交易收入的增长低于总支付量（TPV）的增长，这是由于产品组合、商户组合的变化以及外汇套期保值带来的不利影响。其他增值业务收入表现亮眼，在截至2025年6月30日的三个月和六个月期间，分别增长1.15亿美元（16%）和2.25亿美元（16%），主要归因于贷款应收组合产生的利息和手续费收入增加，以及来自合作机构的收入分成增长。费用与损失：成本控制与风险挑战交易费用在三个月期间增加了2600万美元（1%），六个月期间减少了1.87亿美元（2%），这与Braintree产品和服务的交易量变化以及商户组合和区域组合的调整密切相关。交易损失和信贷损失在三个月和六个月期间分别较上年同期增加1.41亿美元（42%）和1.91亿美元（29%），主要源于PayPal和Venmo产品及服务的欺诈事件导致的损失增加。客户支持和运营费用在三个月和六个月期间分别减少了2300万美元（5%）和7900万美元（9%），主要得益于员工相关成本和软件费用的下降。销售和营销费用则分别增加了1.37亿美元（31%）和2.04亿美元（24%），是由于营销和品牌广告支出的大幅增加。一般及行政费用在三个月和六个月期间分别减少了1.09亿美元（19%）和7000万美元（7%），主要源于间接税费用下降和员工相关费用减少等因素。重组及其他费用在六个月期间减少了1.43亿美元，主要是重组费用降低所致。其他财务指标：税率、现金流等变化情况有效所得税税率在截至2025年6月30日的三个月和六个月期间与去年同期相比有所下降，主要是离散税收调整的影响。经营活动提供的净现金在六个月期间较去年同期减少了14亿美元，主要受流动资产增加、流动负债减少以及营运资本变化等因素影响。投资活动中使用的净现金在六个月期间较去年同期增加了1.1亿美元，融资活动中用于融资的现金净额在六个月期间较去年同期增加了1800万美元。","news_type":1,"symbols_score_info":{"PYPL":1}},"isVote":1,"tweetType":1,"viewCount":311,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":[],"verified":2,"subType":0,"readableState":1,"langContent":"EN","currentLanguage":"EN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"andRepostAutoSelectedFlag":false,"upFlag":false,"length":1,"optionInvolvedFlag":false,"xxTargetLangEnum":"ORIG"},"commentList":[],"hasMoreComment":false,"orderType":2}