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

As troubling as Wednesday's plunge in PayPal is, we want to check that emotion at the door and provide a more constructive view.

Cramer's Investing Club: PayPal's future prospects make the banged-up stock a buy

Shares of PayPal slumped as much as 25% on Wednesday as investors questioned the company's growth prospects after it disclosed a big hit to revenue from the impending loss of marquee client eBay.

PayPal shares plunge 25% as bleak forecast stokes growth fears

PYPL stock is on a rare fire sale lately after it reported worse-than-expected earnings numbers Tuesday. Here's what analysts think about it.

Is PYPL Stock a Buy After Earnings Disappointment? 4 Analysts Weigh In on PayPal.

PayPal Holdings Inc (NASDAQ: PYPL) closed 4.5 million accounts and lowered its forecast for new customers after finding "bad actors" were exploiting its incentives and rewards programs, Bloomberg reports.  PayPal no longer expects to achieve 750 million active accounts by 2025, abandoning a goal that contributed to a jump in spending last year on sales campaigns.

PayPal Shuts 4.5M Accounts: All You Need To Know

PayPal Holdings, Inc PYPL gapped down about 19% lower on Wednesday and fell another almost 6% intraday after the company announced mixed fourth-quarter earnings results on Tuesday after the markets closed. The American multinational financial technology company reported quarterly earnings of $1.11 per share, which missed the analyst consensus estimate of $1.12.

PayPal Stock Plummets, But Here's Why There's Hope For At Least A Bounce

Omicron, inflation and a lack of government stimulus have some Venmo users nervous about spending money from their digital wallets. That's bad news for Venmo owner PayPal — and a potential warning sign for consumer spending in general.

PayPal warns that consumers will spend less as stimulus runs out

PayPal (NASDAQ:PYPL) Inc has retained a ‘Buy' rating from Canaccord Genuity (TSX:CF, LSE:CF) following a mixed quarterly earnings report that led the company's shares down more than 25%. But the broker did cut its price target on the stock to US$215 from US$315 previously.

PayPal retains 'Buy' rating from Canaccord Genuity following fourth quarter results

Shares of payments processor PayPal (PYPL) declined sharply on Feb. 2, 2022, based on negative guidance related to inflation.

PayPal (PYPL) Stock Slides on Inflation Concerns

Block

Fintech continues to get pummeled after its massive "COVID closing the world" rally. There's so much blood in the streets it's scary, but PayPal and Block (formerly Square) are close to reversals.

An Option Selling Strategy For PayPal And Block (Formerly Square)

PayPal's (PYPL) fourth-quarter results reflect the strong performance of Venmo, which drives growth in the total payments volume. However, sluggish international revenues create headwinds.

PayPal (PYPL) Q4 Earnings Miss Estimates, Revenues Rise Y/Y

As PayPal's stock is trounced out of the gate in the wake of its latest earnings report — down 20% Wednesday morning (Feb. 2) — Wall Street may point to inflation, to the continued headwinds of a shift to a managed payments model, to earnings guidance that fell short of analyst expectations. But dig a […]

PayPal's Post-Earnings Dip Reflects Brewing Battles Over BNPL, in-Person POS

The fintech giant's latest results didn't exactly impress investors.

PayPal Shares Plunge 25% -- Here's Why It's Down So Sharply

PayPal Holdings Inc.'s rough stretch continued Wednesday after the payment-technology company delivered an outlook that highlighted spending pressures and brought a strategic change in the way the company will approach user growth.

The Ratings Game: PayPal stock dives toward worst day on record after ‘ugly' earnings report

PayPal Holdings Inc (NASDAQ:PYPL) stock is spiraling today, last seen down 25.8% to trade at $130.49, after the company missed bottom-line estimates and issued a weaker-than-expected current-quarter forecast.

PayPal Stock Plummets to 2-Year Low After Poor Forecast

Advanced Micro Devices

Alphabet

Exelon

Xilinx

Tech stocks got off to a strong start Wednesday morning. The Nasdaq was up about 1.5%, while the Dow Jones industrials were up about 1.0% and the S&P 500 traded up by around 1.2%.

Wednesday Morning's 5 Tech Stock Movers Include Alphabet, AMD and PayPal

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

PayPal Is Plunging. Wall Street Is Reassessing the Stock.

The payments company now sees 2022 revenue growth of 15% to 17%, lower than its projection of 18% issued in November.

PayPal plunges 18% as the company issues weak guidance on the back of inflationary pressures

PayPal Holdings Inc PYPL is trading significantly lower Wednesday morning after the company announced worse-than-expected fourth-quarter earnings results. PayPal reported quarterly earnings of $1.11 per share, which came in below the $1.12 estimate.

Why PayPal Shares Are Plunging Today

In an interview with CNBC, PayPal CEO Dan Schulman said the company took "a measured approach" to guidance.

PayPal shares dive 19% after company blames inflation for weak guidance

Find out why the two stocks are moving in opposite directions Wednesday morning.

AMD, PayPal Tell a Tale of 2 Markets

PayPal (NASDAQ:PYPL) shares nosedived 18% in after-hours dealing in the United States as financials missed analyst expectations and the outlook was downgraded. Fourth-quarter earnings per share came in at US$1.11, US$0.01 short of estimates.

PayPal plummets as results fall short of expectations and outlook seems dull

Shares of PayPal Holdings Inc slumped nearly 17% on Wednesday as investors questioned the company's growth prospects after it disclosed a big hit to revenue from the impending loss of marquee client eBay Inc.

PayPal shares plunge 17% as bleak forecast stokes growth fears

The PayPal (NASDAQ: PYPL) stock price crashed on Tuesday after the company published strong results but weak guidance. The stock has crashed by over 17% in extended hours and is trading at about $145.

PayPal stock price forecast: buy the earnings dip or sell the rip?

The stock price of PayPal (NASDAQ: PYPL) fell by 17.92% after hours today. This is why it happened.

PayPal (PYPL) Stock: Why The Price Substantially Went Down Today

First thing's first: PayPal's stock dropped 17% after hours in the wake of its fourth-quarter earnings report — shows the vagaries of earnings forecasts, of Street expectations and of the windup of the payments services relationship with eBay.

News for PayPal Stock (PYPL)