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

PayPal stock crashed to a new 52-week after revelation of its 2022 guidance.

PayPal: I Was Horribly Wrong

Near-term macroeconomic headwinds and competitive pressures may make for a challenging 2022, but this period will ultimately be looked back upon as a great time to buy PayPal stock.

PayPal Selloff Creates a Stock Worth Paying For

PayPal: New Strategy, Same 2025 Earnings Target - No Need To Panic

After a disappointing Q4 earnings release, shares in this fintech pioneer look a lot more attractive.

3 Reasons to Buy PayPal Stock

PayPal Holdings, Inc. (NASDAQ:PYPL) is the world's most popular digital money transfer platform. In today's stock market, the fast-growing company remains one of the most well-known equities.

Is PayPal stock a buy after fourth-quarter earnings?

Hello and happy weekend from the Equity crew! We had a busy week, including a Twitter Space with Natasha and Alex taking to the mics to dig into some tasty public-market news.

Equity Shot: Making sense of the Paypal and Alphabet earnings

If we accept today's PayPal price as fair, then we must agree that the company is growing linearly. But this is clearly not the case.

PayPal: Extremum Point

These two S&P 500 stocks had their worst weeks ever

Block

Many investors are looking to add a few beaten-down growth stocks in the technology sector to their portfolios.  Sean Udall, the tech stock strategist and the publisher of The Udall Report, shared a pair of stocks with PreMarket Prep to put on the watchlist.

PreMarket Prep Plus: Sean Udall Shares 2 Buy-The-Dip Opportunities In Payments Sector

But the doom-and-gloom prophesy may not actually come about.

Why PayPal Stock Has Cratered 24% This Week

The PayPal fourth-quarter report that was just released was a surprise to many and reflected the not-so-good outcomes from the company's efforts to raise its customer base. However, the company is moving rapidly to redirect its efforts and get back into the leadership position it has held in the payment system and will continue to hold.

PayPal And The Payment System

Shares of PayPal Holdings Inc. have been pummeled in recent days after the e-commerce company gave a disappointing forecast and announced a change in its business strategy, but one analyst still sees shine in PayPal's story.

The Ratings Game: PayPal stock still offers ‘four silver linings' after ‘epic' selloff, says analyst

The stock has dropped 50% in price in the last six months, and it looks like a better value.

Has the Market Lost Its Mind Over PayPal?

XPeng

Cathie Wood-led Ark Investment Management on Thursday further raised its exposure in the U.S. listed Chinese electric vehicle maker Xpeng Inc XPEV on the dip, and sold nearly all its balance shares in Paypal Holdings Inc PYPL. The popular money managing firm bought 57,657 shares — estimated to be worth $1.99 million — in the Guangzhou, China-based Xpeng.

Cathie Wood Buys $2M Worth More Of This US Listed Chinese EV Player And Sells PayPal On Thursday

What a day Feb. 2, 2022 was for PayPal, with the stock posting the largest single-day percentage decline in its history.

The Day PayPal Turned Into PayFall

Four more analysts dissed PayPal stock today.

Why PayPal Stock Keeps Crashing

At the end of January, I took a closer look at Netflix Inc. ( NFLX , Financial) after the stock slumped following the company's lackluster outlook.

Is PayPal Now Undervalued Compared to Its Growth Potential?

The omicron variant and a lack of stimulus funds may have stunted volume growth. Here's how PayPal can use its super app to boost engagement.

Despite road bumps, PayPal posts strong Q4 and looks to super app to bolster performance in 2022

PayPal's shares got brutalized yesterday. PayPal missed EPS predictions for the fourth-quarter slightly.

PayPal: Buy The Bloodbath

Cathie Wood-led Ark Investment Management on Wednesday rushed to cut most of its exposure in Paypal Holdings Inc (NASDAQ:PYPL) after the fintech company abandoned an ambitious growth plan that it put in place last year and snapped up shares in fintech rival Block Inc (NYSE:SQ) instead. The popular money managing firm sold 158,126 shares — estimated to be worth $20.9 million — in Paypal.

Cathie Wood Sells $21M In PayPal Amid Stock Crash — Loads Up Heavily In This Fintech Rival

The game is to track trends in revenues and profits and the spreadsheet jockeys just got thrown.

Why PayPal is Getting Crushed and YouTube is Crushing It

PayPal plunged 25% as investors dumped shares.

PayPal Stock Crash Wipes Out Over $50 Billion In Market Value After Company Lowers Profit Outlook

The fintech giant disappointed investors, and the stock paid the price.

PayPal Stock Crashed Wednesday -- Is It a Buying Opportunity?

SoFi Technologies

Affirm

Upstart Holdings

What's all the noise in the market today around fintech stocks, and why are four of the biggest names down so big today? Let's take a look.

AFRM, UPST, SOFI, PYPL: Why Are Fintech Stocks Down Today?

PayPal's fourth-quarter earnings, and particularly its disappointing outlook, are spooking investors.

News for PayPal Stock (PYPL)