Active Accounts

US TPV

International TPV

Total Payment Volume (TPV)

Revenue segments as reported by the company.

International

Revenue Segments

Gross Profit, Operating Income, and Net Income as a percentage of Revenue

Gross Margin

Operating Margin

Profit Margin

Margins

An operating expense is an expense a business incurs through its normal business operations. Often abbreviated as OPEX.

Transaction & Loan losses

Customer Support & operations

Other OpEx

Operating Expenses

Year over year growth in Revenue and Operating Expenses.

Revenue Y/Y

OpEx Y/Y

Growth

Shares outstanding refer to a company's stock currently held by all its shareholders, including share blocks held by institutional investors and restricted shares owned by the company's officers and insiders.

Outstanding Shares

Market Cap

Also known as Price/Sales Ratio. Calculated using Average market cap for the quarter / Annualized quarterly revenue.

Revenue Multiple

PayPal

iZettle is a European fintech startup aquired by Paypal for $2.2 billion in May 2018. Sweden-based iZettle was founded in 2010 as a mobile credit card payment service much like Square but evolved into providing small businesses a gamut of services such as software support and financing solutions across Europe and Latin America. It raised $47 million (40 million euros) in its last funding round in December 2017, giving it a $975 million valuation reported Techcrunch.

iZettle

Xoom is an online money-transfer platform focused on remittances. Xoom has more than 1.3 million active U.S. customers using its platform to send international remittances, which amounted to $7 billion in 2015. PayPal is targeting emerging markets in India and China as key growth territories, and sees the Xoom online money-transfer platform PayPal anticipates enormous potential for mobile international remittances in the growing, worldwide migrant worker market. PayPal acquired Xoom Corporation for $890 million in 2015.

Xoom

Venmo is a mobile payment service owned by PayPal. It allows users to transfer money to one another (within the U.S. only) using a mobile phone app or web interface. It handled 17.6 billion dollars in transactions in 2016. In Q1 of 2017, it handled 6.8 billion dollars in transactions, which more than doubled its volume in Q1 of 2016.

Venmo

Swift Financial is a Delaware-based firm. Swift Financial was founded in 2006 and at the time of acquisition had provided funding to over 20,000 small businesses. PayPal Working Capital since its 2013 launch had given access to over $3 billion in capital to more than 115,000 businesses.

Swift Financial

Paydiant is a platform with the ability to integrate complete mobile wallet capabilities into their own mobile apps. The acquisition helps PayPal further develop its relationships with merchants and capture a bigger share of the mobile wallet space.

Paydiant

TIO Networks is a Canadian bill payments platform aquired in early 2017. The $233 million deal helped PayPal expand its footprint into bill payments by leveraging TIO's cloud based, multi-channel payment platform.At the time the deal was announced, TIO served 14 million consumer bill pay accounts and had processed transactions worth more than $7 billion in the year before (2016).

TIO Networks

Modest is a small, Chicago-based fintech company, to help it expand into an emerging branch of the e-commerce ecosystem called contextual commerce. Modest’s technology enables online merchants to drag and drop buy buttons to any application, social media page, email or blog post where a consumer might encounter their products. Instead of having to be redirected back to the merchant’s website or shopping portal, consumers can click the buy button wherever they are and complete the transaction. The Modest acquisition serves PayPal’s desire to expand its e-commerce reach among merchants. The Modest technology team is working with PayPal’s merchant services provider, Braintree, to provide online merchants with a one-stop set of tools for embedding buy buttons wherever they can, while supporting the back-end payment processing.

Modest

Braintree Payments is a mobile payment solution in the hotly contested P2P payments space. In the second quarter of 2016, Venmo processed nearly $4 billion in P2P money transfers, up 141% over the prior year. The Venmo payments app is popular among restaurant customers, who use it to split the tab between multiple diners. Although Venmo's payment volume represents a small portion of PayPal’s mobile payment volume, it is the fastest-growing platform. Venmo faces stiff competition from the likes of Apple, which is ramping up its P2P payment app in 2016.

Braintree Payments

PayPal Holdings, Inc. engages in the development of technology platforms that enable digital payments and simplifies commerce experiences on behalf of merchants and consumers worldwide. Its solutions include PayPal, PayPal Credit, Braintree, Venmo, Xoom, and Paydiant products. The firm also enables consumers to exchange funds with merchants using funding sources, which include bank account, PayPal account balance, PayPal Credit account, credit, and debit card or other stored value products. It operates through United States and Other Countries geographical segments. The company was founded in December 1998 and is headquartered in San Jose, CA.

Earnings data Q1 2021

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Earnings data Q4 2024

PayPal reports strong Q4 performance, eyes margin improvements and partnerships

PayPal's Q4 2022 performance was solid, with revenue growth, margin expansion, and plans for cost savings and growth initiatives in 2023.
The company's strengths lie in market share gains, advanced checkout flows, and investments in growth areas like modern checkout experiences and PPCP.
Challenges include market share losses in Australia, balancing cost savings with investments, and the CEO's retirement announcement. Opportunities include margin improvements, partnerships, and scaling higher-margin businesses.

PayPal exceeds Q1 expectations, focuses on growth and profitability

PayPal's Q1 performance exceeded expectations, showcasing growth in key metrics and strategic priorities. While facing challenges such as CEO succession and cost management, the company is well-positioned to capitalize on opportunities in digital payments and financial services.

PayPal surpasses Q2 revenue expectations, poised for strategic growth

PayPal delivered strong Q2 2023 results, exceeding revenue expectations and showcasing improved profitability and strategic execution.
The company's scale advantage, focus on innovation, and efforts to enhance user experience position it well for future growth.
While facing challenges in market dynamics and competition, PayPal has opportunities to drive revenue diversification and further growth through strategic initiatives.

PayPal surpasses Q3 earnings, focuses on efficiency and Venmo

PayPal exceeded Q3 earnings expectations but faces challenges in revenue outlook for Q4, emphasizing the need for efficiency and growth balance.
The company's focus on Venmo expansion, cost reduction through automation, and talent acquisition highlights a strategic approach to long-term success.
Despite cautious planning for Q4, PayPal remains confident in driving profitable growth by reaccelerating with discipline and organization-wide efforts.
Investments in growth areas, managing OpEx efficiently, and improving execution are key strategies to navigate challenges and capitalize on opportunities.

PayPal reports robust Q4 earnings, focuses on innovation and growth

PayPal's Q4 performance showed revenue growth and strong earnings per share increase, with a focus on operational efficiency and customer-centric strategies.
While facing challenges in transaction margins and regulatory changes, the company is well-positioned to capitalize on growth opportunities through innovation and strategic decision-making.
Investments in creating a unified platform for innovation and monitoring market dynamics reflect a commitment to long-term success and shareholder value.
2024 is viewed as a transition year for execution, positioning PayPal for sustained growth and profitability through customer-focused initiatives and operational enhancements.

PayPal reports robust Q1 earnings, eyes growth in innovations

PayPal's Q1 2024 performance reflects solid revenue growth and financial strength, supported by strategic investments in operational enhancements and customer-focused innovations.
While facing challenges from regulatory impacts and competitive pressures, PayPal is well-positioned to capitalize on opportunities in remittance, small business, and customer engagement.
The company's focus on sustainable growth, measured innovation, and commitment to improving transaction margins and profitability underpin its transformation efforts.
Overall, PayPal's emphasis on customer value, merchant relationships, and operational efficiency sets a positive trajectory for future growth and market competitiveness.

PayPal reports robust Q2 earnings, eyes sustained growth opportunities

PayPal's strong Q2 performance, driven by revenue growth and increased earnings per share, reflects its resilience and strategic focus on growth initiatives.
With a solid global presence, competitive advantages, and a customer-centric approach, PayPal is well-positioned to capitalize on opportunities in the e-commerce market.
While challenges like market competition and profitability exist, PayPal's emphasis on innovation and customer satisfaction bodes well for its future growth and success.

PayPal reports robust Q3 results, shifts focus to commerce platform

PayPal's Q3 performance reflects strong growth in key metrics, underpinned by a strategic focus on transformation and innovation.
The company's initiatives to enhance user experience, diversify revenue streams, and expand globally position it well for future growth.
While facing challenges in a competitive landscape, PayPal's emphasis on innovation and partnerships presents opportunities for sustained success.

Revenue

Cost of revenue

Gross profit

Operating expenses

SG&A

Other

Operating income

EBITDA

Net income

Earnings per share

Total assets

Current assets

Cash & equivalents

Receivables

Inventory

Non-current assets

Net PPE

Intangibles

Total liabilities

Current liabilities

Short term debt

Income tax payable

Non-current liabilities

Long-term debt

Total equity

Stockholders equity

Minority interest

Total liabilities & equity

Total debt

Net debt

Book value per share

Cash from operations

Funds from operations

Change in working capital

Cash from investing

Capital expenditure

Purchase/sale of investments

Purchase/sale of business

Other sources

Cash from financing

Change in stock

Change in debt

Cash dividends paid

Cash from other sources

Net change in cash

Free cash flow

PayPal will begin letting its disbursement partners use PayPal USD to settle cross-border money transfers. The new service is offered through PayPal's Xoom cross-border payments business, according to a Tuesday (Nov. 19) press release.

PayPal's Xoom to Begin Allowing Cross-Border Stablecoin Payments

Alphabet

2 Stocks That Could Crush the Market in 2025

Paypal (PYPL) has received quite a bit of attention from Zacks.com users lately. Therefore, it is wise to be aware of the facts that can impact the stock's prospects.

Here is What to Know Beyond Why PayPal Holdings, Inc. (PYPL) is a Trending Stock

Shares of the fintech enterprise have surged in the past few months.

3 Things You Need to Know If You Buy PayPal Stock Today

PayPal customers can easily collect and manage funds with friends and family for things like group gifts, travel, special events, and more in the PayPal app. SAN JOSE, Calif.

PayPal Unveils Innovative Money Pooling Feature, Simplifying Group Expenses Between Family and Friends

Despite mixed 3Q FY2024 earnings, PayPal's stock rebounded, likely due to a broader market rally fueled by expected fintech deregulation under Trump's administration. 3Q revenue missed estimates due to weak unbranded volume from Braintree and a lower transaction take rate, with YoY earnings growth expected to be negative in 4Q. While transaction margin dollars YoY growth accelerated in 3Q, the company expects similar momentum in FY2025, with modest headwind anticipated from the rate-cut cycle.

PayPal: Expecting Sharp Growth Slowdown Amid Weak Volume And Declining Take Rate (Rating Downgrade)

Although PYPL's cheap valuation is noteworthy, lower Braintree volume and revenue growth in the near term, as well as higher expenses, are headwinds.

PayPal Trading Lower Than Industry at 17.91X PE: Buy, Hold or Sell?

PayPal's Q3 earnings exceeded EPS expectations. The Fintech saw growth in active accounts, reversing a six-quarter decline. The Fintech generated $1.5B in free cash flow, showing 35% Q/Q growth, and expanded its free cash flow margin to 20%. Total payment volume is driven chiefly by branded and unbranded checkouts. Transactions per account are also growing, indicating robust platform engagement.

PayPal: Account Growth Is At An Inflection Point

PayPal's latest results show that management's efficiency efforts are paying off.

Here's Why Investors Shouldn't Worry About PayPal's Slow User Growth

PayPal stock price rally has stalled even as American equities surged and the company published strong financial results. The PYPL share price jumped to $81.35 on Thursday, a few points below the year-to-date high of $83.71.

PayPal stock price analysis: the sky is the limit for PYPL?

PYPL's technical target is revised to $96 by year-end, supported by recent earnings momentum and alignment with key Fibonacci levels. PayPal's transaction volume grew by 1.47 billion from Q1 2022 to Q3 2024, showing stable user growth and engagement. EPS increased 146% from Q1 2022 to Q3 2024, reflecting effective cost management and improved profitability margins.

Following Q3 Results, PayPal's Path To $96 Is Clear

We're upgrading PayPal after Q3 FY24 earnings results and outlook pulled back the stock. Q3 results show promising profitability shift, with transaction margin growing to 46.6% and profits up 14% Y/Y, confirming management's on the right track for profitable growth. PayPal also remains cheap relative to the peer group.

PayPal: Paying It Forward For Profitable Growth - Upgrading To A Buy

Affirm

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MicroStrategy Incorporated

Block

Target Hospitality Corp

Donald Trump's 2024 win should boost stocks like GEO Group, CoreCivic, Target Hospitality, Affirm, Federal National Mortgage Association, and Bitcoin pre-market. GEO Group and CoreCivic benefit from Trump's policies, with potential gains similar to post-2016 election performances. Target Hospitality could see increased demand for facilities due to stricter immigration policies and more drilling activity.

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Palo Alto Networks

Investors looking for stocks in the Internet - Software sector might want to consider either Paypal (PYPL) or Palo Alto Networks (PANW). But which of these two stocks is more attractive to value investors?

PYPL or PANW: Which Is the Better Value Stock Right Now?

Robinhood

Investors have several ways to gain exposure to a stock's price movement, with the most popular being to simply buy shares. However, there's also a method that can limit downside risk and significantly boost profit potential—if a few key conditions are met.

Options Traders Bet Big on These 3 Tech Stocks

This is the kind of trend that can lift the stock price long-term.

Hoping for a PayPal Turnaround? The Company's Latest Quarter Shows That a Positive Trend Is Officially Gaining Momentum.

PayPal reported third quarter results and although results were still solid, growth is slowing down a bit. But over the long run, I assume that PayPal will continue to grow its top line and also improve its margins. Additionally, PayPal is using share buybacks in an aggressive, but clever way.

PayPal: The Turnaround Is Taking Shape

Zacks.com users have recently been watching Paypal (PYPL) quite a bit. Thus, it is worth knowing the facts that could determine the stock's prospects.

Is Trending Stock PayPal Holdings, Inc. (PYPL) a Buy Now?

Taiwan Semiconductor Manufacturing

2025 is starting to get closer, and investors need to position their portfolios accordingly.

My 3 Favorite Stocks to Buy This November

It's challenging to find a deal like this in today's stock market that's near all-time highs.

1 Incredibly Cheap Fintech Stock to Buy Now

PayPal's current stock price does not reflect its true market potential, offering investors a rare chance to capitalize on its undervaluation. The company's strategic focus on launching innovative products and initiatives is set to drive substantial profitability growth. With its strong market position and forward-thinking strategies, PayPal is poised for significant upside, making it an attractive investment opportunity.

PayPal: New Products Driving The Profitability Agenda

Chewy

It's always a great time to buy quality stocks.

2 Ultimate Growth Stocks to Buy With $500 Right Now

PayPal reported positive Q3 2024 results, including a 1% growth in active accounts and an increase in its transaction margin to 46.6%, driven by growth in Venmo and Braintree. The fintech raised its 2024 profit forecast slightly and anticipates up to $6 billion in share buybacks, particularly with seasonal eCommerce spending expected to rise amid lower inflation. While PayPal's growth rate lags behind faster-growing competitors like SoFi, its lower profit multiple presents a compelling valuation, especially as it remains a preferred payment platform among merchants.

PayPal: The More Price Drops, The More I'll Buy

We also talk about some lesser-known names trying to follow Berkshire Hathaway's path.

PayPal Looks Beyond Payments

The company still trades far below intrinsic value with a large margin of safety despite the stock's run-up and accounting for a slowdown in growth. Trading slower growth in the short term for a better margin profile is healthy and beneficial to the business, and we can already see the results. By accounting for the risks associated with the ad segment but not including the benefits, we are essentially receiving all the upside from it when it launches for free.

News for PayPal Stock (PYPL)