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

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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

Caterpillar

MercadoLibre

Each stock in this basket of growth, value, and income is down over 20% from its high.

From PayPal to MercadoLibre: 3 Blue-Chip Stocks That Just Went On Sale

The payment technology company is facing new challenges.

Why PayPal Stock Dropped 20% in November

Activision Blizzard

Delta Air Lines

Global Payments

Qualtrics International

The old adage of “throwing the baby out with the bathwater” has happened year in and year out to good stocks when tax-loss selling season arrives.

Raymond James Says 5 Buy-Rated Large Caps Are Huge Tax-Loss Selling Deals

On Monday, PayPal Holdings Inc. (NASDAQ:PYPL) shares edged slightly lower despite receiving an upbeat statement from the Kansas City Fed. The city's research briefing department said PayPal, Square Inc. (NYSE:SQ) and Affirm Holdings Inc. (NASDAQ:AFRM) could replace credit cards in the foreseeable future.

PayPal stock prediction after being tipped to replace credit cards by the Kansas City Fed

Fiserv

Upstart Holdings

Visa

Given their current valuations, could fintech stocks be worth watching now?

4 Top Fintech Stocks To Watch In December 2021

PayPal shares have been on the decline recently and dropped over 4% from a downgrade from Bernstein. PayPal faces large competition in the payments industry, but is still one of the top performers.

PayPal: Addressing The Analysts

GoodRx Holdings

Block

As inflation continues to bite, ride the wave into the new year with these three stocks.

3 Surefire Stocks Set to Soar in 2022

The shares of PayPal Holdings Inc (NASDAQ: PYPL) have received a $337 price target from Morgan Stanley. These are the details.

PayPal Stock (PYPL): $337 Price Target From Morgan Stanley

The total addressable market in which PayPal operates can be estimated at around $110 trillion and the company enjoys only 1% market share. The company has been efficiently allocating capital manifesting its spawning DNA. Is the business good enough to own a part of?

PayPal: Shifting Gears On A Busy Freeway

Comcast

Mastercard

Philip Morris

Raytheon Technologies

Payment stocks have continued to fall, despite positive news. We believe PayPal, Visa and Mastercard all offer 20%+ annualized returns. In Tobacco, Swedish Match stock is pressured by fears of a new tax while Philip Morris has been hit by currency headwinds - making both bargains.

Librarian Capital's Monthly Top Buys And Price Moves - December 2021

PayPal is the most popular digital payment platform provider in the world. The company has a rock-solid balance sheet with all the fundamental ratios in PayPal's favor.

PayPal Holdings, Inc.: A Golden Opportunity To Buy The Dip

Disney

Kinder Morgan

This basket combines value, growth, and dividends.

3 Surprising Blue Chip Stocks That Are Down Over 20% From Their Highs

Volumes on PayPal Inc's 'buy now, pay later' platform were five times higher this Black Friday compared with a year earlier as the payments giant starts to gain traction in the fast-growing credit method, the company's chief executive told the Reuters Next conference.

PayPal says 'buy now, pay later' volumes surged 400% on Black Friday

Although the two companies compete in many areas, PayPal holds some clear advantages.

Why Investors Should Not Ignore PayPal's Advantages Amid Square's Competitive Moves

Shares of PayPal Holdings Inc (NASDAQ: PYPL) came down nearly 20% in November after shareholders were left disappointed on lower-than-expected quarterly revenue and weak guidance for the future. The stock is now in the red for the year, and Jon Najarian says today is when you buy.

Jon Najarian: today is when you buy PayPal

The fintech giant's growth might have slowed, but its business is doing extremely well.

Down 40%, Is PayPal a Buy Right Now?

The growing interest in Bitcoin could be an important catalyst in 2022 and beyond.

What Does Bitcoin Mean for PayPal Stock?

Vertex Pharmaceuticals

The ARK Invest founder might regret selling shares of these growth stocks.

3 Stocks Cathie Wood Is Selling That Are Still Great Picks to Buy and Hold

Wix.com

PayPal will let merchants on Wix offer buy now, pay later (BNPL) options PayPal in 4 and PayPal Credit through a checkout button, the company announced Wednesday (Dec. 1). “As we head into the holiday shopping season, business owners need to do everything they can to increase their sales conversions and offering Pay Later solutions […]

PayPal, Wix Team on Pay Later Offerings for Merchants

NVIDIA

Roku

Trade Desk

Lots of blood in the water so let's decide where to buy some December gifts.

Growth Stock Meltdown: ROKU and PYPL vs. NVDA and TTD

Wynn Resorts

"For days I've told you we were waiting for the other shoe to drop and it just hit today," the "Mad Money" host said.

Cramer says to start buying these 'bargain basement stocks' now before omicron fears pass

Exact Sciences

Lululemon Athletica

Pinterest

Shopify

New investors are facing their first big growth stock sell-off. Here are strategies to help you navigate it.

News for PayPal Stock (PYPL)