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 shares fell 10.5% the day after Q3 results last week and, at $212.54, is down 32% from its July peak - a great bargain in our view. Q3 volume was flat from Q2, revenues and EBIT were both lower, the 2021 guidance was cut, and new 2022 expectations disappointed.

PayPal: 32% Down From Peak After Q3 Results, With Potential To Double

PayPal's Q3 results and free cash flow make it a good bet to rise higher. PYPL stock is likely worth 32% more at $274 per share based on its consistent and powerful FCF production.

PayPal's Q3 Results and Free Cash Flow Make It a Good Bet to Rise Higher

PayPal Holdings, Inc (NASDAQ: PYPL) gapped up slightly on Monday after reacting bullishly to a triple bottom pattern Benzinga called out on Nov. 12. The stock then traded down to almost completely fill the gap, which should give bulls more confidence going forward.

Why The Bottom May Be In On PayPal As The Stock Stages A Reversal

The Qraft AI-Enhanced US Large Cap Momentum ETF (NYSE: AMOM), an exchange-traded fund driven by artificial intelligence, has acquired stakes in PayPal Holdings Inc. (NASDAQ: PYPL), Intel Corp. (NASDAQ: INTC) and Moderna Inc. (NASDAQ: MRNA), while entirely divesting its holdings in Amazon.com Inc. (NASDAQ: AMZN) and major retailers including Home Depot Inc. (NYSE: HD). What Happened: The ETF's latest portfolio after rebalancing in early November showed that apart from e-commerce giant Amazon and home improvement retailer Home Depot, it has entirely divested its holdings in retailers Lowe's Companies Inc. (NYSE: LOW) and Target Corp. (NYSE: TGT) as well as consumer products giant Colgate-Palmolive Company (NYSE: CL).

Robot-Run ETF Of Tesla Fame Cuts Amazon, Target Stakes And Bets On PayPal, Moderna And These Stocks

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Our panel of Motley Fool contributors discusses which stocks they like after Q3 earnings season.

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Sometimes companies can fall below expectations and that's okay. Certain companies in this market have been unreasonably punished and their opportunity to shine is just on the horizon.

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PayPal Holdings, Inc (NASDAQ: PYPL) spiked higher on Friday after Josh Brown and Kari Firestone said on CNBC's "Halftime Report" the stock is a buy at current levels. Brown went on to say PayPal will transform from a payments service company to a “financial super app” that could provide services from lending and trading to insurance.

PayPal Stock Show Signs A Massive Reversal May Be In The Works: What's Next?

The payments processing industry continues to benefit from long term secular tailwinds, but PayPal's growth appears to be hitting speed bumps over the last two quarters. PayPal's underlying growth is obscured by noise from the strong COVID outbreak-driven growth in 2020 and eBay's replacement of PayPal with Adyen as its primary payment processor.

PayPal: Reports Of Its Slowdown In Growth May Be Greatly Exaggerated

There is nothing wrong with the business outlook for PayPal. This is a case of PYPL stock suffering temporary pain.

Under-the-Weather PayPal Stock Will Rise Again Soon

This fintech company is executing an ambitious growth strategy.

Why PayPal Stock Could Be Worth $1 Trillion in 10 Years

PayPal Holdings Inc (NASDAQ: PYPL) has had a rough 2021. The stock has slid more than 10% this week after reporting quarterly revenue that missed Wall Street estimates.

Lebenthal explains why he bought this ‘underperforming' stock

Pinterest

Which of these fast-growing, successful stocks is worth your money today?

Better Buy: Pinterest vs. PayPal

PayPal stock is down over 30% from its all-time high -- the largest pullback in its almost seven years on the public market.

History Says That Right Now is a Perfect Time to Buy PayPal Stock

Paypal's share price has been hurt by its recent earnings report, but the long-term outlook for the company and stock remain positive. The post Paypal Is a Long-Term Buy Despite a Bleak Q4 Forecast appeared first on InvestorPlace.

Paypal Is a Long-Term Buy Despite a Bleak Q4 Forecast

Coinbase

Moshe Katri, fintech and payments analyst at Wedbush, joined this week's "Wednesdays with Wedbush" segment on PreMarket Prep Plus. It turned out to be a good day to have him on, as Paypal Holdings Inc. (NASDAQ:PYPL) reported third-quarter earnings Monday and Coinbase Global Inc. (NASDAQ:COIN) reported after the close Tuesday.

Wednesdays With Wedbush On PreMarket Prep Plus: The Payments Sector Outlook

PayPal (PYPL) shares fell 10.5% on Nov 9 on mixed earnings and weak forward guidance.

PayPal Plunges on Weak Guidance: ETFs in Focus

PayPal (NASDAQ: PYPL) shares have weakened more than 10% since the beginning of November, even though the company reported strong third-quarter results. PayPal continues to expand its business, and its management expects another EPS beat in the next fiscal quarter.

Should I buy PayPal shares after Q3 results?

Amazon customers will be able to check out with Venmo in 2022, which should drive the app's revenues.

Venmo pushes toward profitability with new Amazon tie-up

The stock price of PayPal Holdings Inc (NASDAQ: PYPL) fell by over 10% in the previous trading session. This is why it happened.

PayPal (PYPL) Stock: Why The Price Dropped

On Tuesday, PayPal Holdings Inc. (NASDAQ:PYPL) shares plummeted more than 12% after announcing its most recent quarterly results. The company reported its fiscal third-quarter revenue and earnings Monday after markets closed, beating the consensus for analyst expectations.

Should you buy or sell PayPal stock as analysts cut the price target on weak guidance?

The day after reporting a disappointing outlook for next year, online payments processor PayPal Holdings Inc. ( PYPL , Financial) has seen its shares drop more than 11%. The company also missed analysts' expectations for its third-quarter revenue, even as it posted an earnings beat.

PayPal: On Its Way Back to Value Territory

A subdued growth forecast spooked investors.

Why PayPal Stock Plunged Today

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PayPal shares plunged 12% on Tuesday, as investors looked a past a partnership with Amazon and focused instead on the company's outlook for next year.

News for PayPal Stock (PYPL)