PayPal Holdings: The Braintree Breakout – How This Unit Is Quietly Gaining Ground! 

PayPal delivered robust operating and financial results for the full year and fourth quarter of 2024, marked by strategic initiatives aimed at transformation and growth. The company’s efforts to enhance its branded checkout, person-to-person (P2P) payments, and Venmo monetization showed positive impacts on its financial metrics. One of PayPal’s significant achievements in 2024 was its ability to drive year-long growth in transaction margin dollars, aided by innovations in branded checkout and a focus on pricing-to-value. U.S. branded checkout growth significantly accelerated in the fourth quarter, showcasing the scalability of PayPal’s new checkout innovations. The company’s outreach to traditional merchants with services like Braintree contributed positively, and its shift towards a price-to-value strategy has yielded benefits over the past three quarters.