This week PayPal announced their Q3 2024 earnings, the stock initially fell 9.6% despite beating earnings expectations by 12.2% due to softer Q4 guidance. Interestingly, in the release, we noted there was no mention of crypto.
At first glance, this might seem surprising given PayPal’s substantial initiatives in crypto, including the $200M acquisition of digital asset custodian Curv, the launch of its stablecoin PYUSD, now with a market cap of $570M, and the availability of crypto trading on both PayPal and Venmo.
If you dig into the company’s SEC filings, there is a key detail likely holding them back: “On November 1, 2023, [PayPal] received a subpoena from the U.S. SEC Division of Enforcement relating to PayPal USD stablecoin” that they are continuing to work through.
Until this detail is cleared up, they are unlikely to make broad public statements about crypto in investor presentations, but despite that, they continue to develop their strategy, last month adding crypto payments and acceptance capabilities for their US merchants.
The one crypto KPI that we can observe is the increase of their digital assets under custody that’s played out over the last nine months, going from $1.2B at the end of 2023 to $2.2B at the end of September 2024. A good indication that the company is still driving crypto forward in their business.