Transaction and credit losses
PayPal Holdings, Inc. Transaction and credit losses decreased by 3.1% to $378.00M in Q1 2026 compared to the prior quarter. Year-over-year, this metric grew by 1.9%, from $371.00M to $378.00M. Over 4 years (FY 2021 to FY 2025), Transaction and credit losses shows an upward trend with a 12.9% CAGR. This is a positive signal — lower values indicate better performance for this metric.
Analysis
How to read this metric
An increase suggests deteriorating credit quality or higher fraud exposure, while a decrease indicates improved risk management or a healthier customer base.
Detailed definition
This metric represents the provision for losses associated with payment transactions and credit products offered to cust...
Peer comparison
Common among fintech and financial services firms; peers often label this as 'provision for credit losses'.
operating_transaction_and_credit_lossesHistorical Data
| Q2 '21 | Q3 '21 | Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $169.00M | $268.00M | $350.00M | $369.00M | $448.00M | $367.00M | $388.00M | $442.00M | $398.00M | $446.00M | $396.00M | $321.00M | $335.00M | $352.00M | $434.00M | $371.00M | $476.00M | $483.00M | $390.00M | $378.00M |
| QoQ Change | — | +58.6% | +30.6% | +5.4% | +21.4% | -18.1% | +5.7% | +13.9% | -10.0% | +12.1% | -11.2% | -18.9% | +4.4% | +5.1% | +23.3% | -14.5% | +28.3% | +1.5% | -19.3% | -3.1% |
| YoY Change | — | — | — | — | +165.1% | +36.9% | +10.9% | +19.8% | -11.2% | +21.5% | +2.1% | -27.4% | -15.8% | -21.1% | +9.6% | +15.6% | +42.1% | +37.2% | -10.1% | +1.9% |
Transaction and credit losses at Other Companies
Frequently Asked Questions
- What is PayPal Holdings, Inc.'s transaction and credit losses?
- PayPal Holdings, Inc. (PYPL) reported transaction and credit losses of $378.00M in Q1 2026.
- How has PayPal Holdings, Inc.'s transaction and credit losses changed year-over-year?
- PayPal Holdings, Inc.'s transaction and credit losses increased by 1.9% year-over-year, from $371.00M to $378.00M.
- What is the long-term trend for PayPal Holdings, Inc.'s transaction and credit losses?
- Over 4 years (2021 to 2025), PayPal Holdings, Inc.'s transaction and credit losses has grown at a 12.9% compound annual growth rate (CAGR), from $1.06B to $1.72B.
- What does transaction and credit losses mean?
- The estimated cost of unpaid debts and fraudulent transactions that the company cannot recover.