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

Earnings data Q2 2021

Earnings data Q3 2021

Earnings data Q4 2021

Earnings data Q1 2022

Earnings data Q2 2022

Earnings data Q3 2022

Earnings data Q4 2022

Earnings data Q1 2023

Earnings data Q2 2023

Earnings data Q3 2023

Earnings data Q4 2023

Earnings data Q1 2024

Earnings data Q2 2024

Earnings data Q3 2024

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

Investors are panicking about PayPal. The stock keeps making new lows, but the firm's free cash flow only gets more valuable.

PayPal: Panic Time Is Buying Time

Which fintech giant will hit the trillion-dollar mark first?

This $1 Trillion-Potential Fintech Stock Is on Sale Right Now

Ford Motor Company

NextEra Energy

Shopify

Upstart Holdings

The growth catalysts for these hot stocks right now are too big to ignore.

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SoFi Technologies

Block

Let's take a look at these three companies and why I'm adding all of them to my buy list.

Is Fintech Dead? 3 Stocks I'm Buying Now

Ceridian HCM Holding Inc.

DexCom

EPAM Systems

Etsy

Moderna

Netflix

Teradyne

Zebra Technologies

The S&P 500 is off almost 9% for the year-to-date, but the biggest decliners in the main benchmark of U.S. equity performance are faring far, far worse. From small, somewhat obscure members of the index to the planet's best-known and biggest stocks, the S&P 500's most beaten-down names do have at least a few commonalities.

10 Biggest Losers in the S&P 500 This Year

DraftKings

Peloton

Zoom Video

Bitcoin (BTC) continues to get all the negative attention for its recent poor performance, which saw the flagship crypto fall more than 50% from its peak in November. But stocks have had it even worse and the following 5 large-cap stocks all post over 60% in losses since their 52-week highs.

5 stocks hammered more than Bitcoin from their 52-week highs

PayPal has executed well during the pandemic, but the market bid up shares to unreasonably high levels.

PayPal: Panic Time

Apple is one company that has enough cash on hand to buy PayPal.

Could This Fintech Giant Be a Takeover Target?

Faced with slow user growth, PayPal is shifting its strategy.

Is This a Disaster or an Opportunity for Fintech Giant PayPal?

Teladoc

These stocks have tremendous growth prospects that make their current valuations look really attractive.

3 Unstoppable Stocks to Buy at Unbelievable Bargains

Chase Corp.

Wells Fargo

PayPal will be working with Chase and Wells Fargo on its RED(EEM) initiative, which lets customers use credit card rewards to make donations toward vaccines and medical treatment, according to a press release. The initiative already included American Express and Citi.

PayPal Partners With Chase, Wells Fargo on Pandemic Relief Donations

PayPal also declined 25% after its earnings report – like Meta Platforms – and the stock is now trading more than 60% below its previous all-time high. While PayPal is seeing temporary headwinds – for example due to eBay's retreat – the long-term growth story still seems intact.

PayPal: Buying Opportunity In The Making

Twilio

Wall Street is overlooking the long-term potential of these businesses.

Market Sell-Off: 2 Bargain Growth Stocks to Buy Right Now

You wouldn't be able to tell how strong the business is by looking at just the stock-price performance in recent months.

1 Number That Proves PayPal's Dominance

A new focus on gaining high-quality customers might prove to be the right move by leadership.

PayPal's User Growth Will Slow: Should Investors Worry?

PayPal, which reported annual revenues of $25.3 bn, is now worth as much as it was when it generated $15.9 bn. There must be a reason for such a discount. Only assuming a catastrophic deterioration of the PayPal business, we can conclude that the current price is justified.

PayPal Stock: The Moment Of Truth

PayPal traded above $300 per share just half a year ago. The stock recently sold for $114 per share. 2022 is expected to be a year of muted growth, but growth should accelerate heading into 2023 and beyond.

Is PayPal Stock A Good Long-Term Investment? Why I Finally Bought The Stock

Dynatrace Inc

ServiceNow

When it comes to generating returns, even a year or two is still short-term in the grand scheme of things.

How Patience Could Yield Big Gains for Owners of These 3 Top Stocks

Seagen

These stocks are already down more than 20% this year.

2 Growth Stocks That Have Crashed but Are Still Great Long-Term Buys

The war on cash is in full motion. Luckily, PayPal is the most accepted digital wallet in the world.

Should Investors Buy PayPal After Its Recent Earnings Report?

PayPal Holdings, Inc. (NASDAQ:PYPL) stock has been up more than 200% since it was spun out of eBay in 2017, but this stock has been hammered recently after the company reported disappointing fourth-quarter results. So, is right now a good time to pick up a couple of PayPal shares?

Should you buy PayPal as the stock is sinking?￼

Apple

Apple's new "Tap to Pay" feature won't kill existing payment platforms.

Could Apple's Fintech Move Hurt Block and PayPal?

The payment processing giant has clearly fallen out of favor, but is it a buy?

Is PayPal Attractively Valued After Its Recent Plunge?

Our theme of E-Commerce Stocks – which is comprised of U.S.-based e-commerce companies as well as logistics, and payment players, has declined by about 21% year-to-date in 2022, compared to the S&P 500, which is down by about 7%. The theme underperformed over 2021 as well, rising just about 6%.

Why Are Etsy, PayPal And Other Online Shopping Players Underperforming?

PayPal finished 2021 with 426 million user accounts and shows no signs of slowing down as the top digital wallet company in the world.

News for PayPal Stock (PYPL)