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

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Earnings data Q1 2023

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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 and Venmo have seen a huge increase in use thanks to the pandemic, but PayPal stock was already on a growth trajectory. The post Despite Big Gains, PayPal Stock Still Has More to Offer appeared first on InvestorPlace.

Despite Big Gains, PayPal Stock Still Has More to Offer

Block

Here's what we're watching in the financial sector today.

Venmo's New Credit Card, Square's New Investment

PayPal Holdings Inc (NASDAQ: PYPL) on Wednesday extended consumer credit facilities in the United Kingdom with its newly launched “PayPal Pay in 3” scheme. The credit facility is available on purchases of up to €2,000 at a zero interest charge and can be repaid in installments over a period of three months.

PayPal Extends 'Buy Now, Pay Later' Credit Facility To UK Shoppers

PayPal is launching a "buy now, pay later" service in the U.K. that lets shoppers finance their purchases over three interest-free monthly instalments.

PayPal takes aim at Klarna with 'Pay in 3' service for UK shoppers

Amazon

Thermo Fisher Scientific

Take-Two Interactive Software

Williams-Sonoma

Zoom Video

Largely led by growth stocks, the markets have rallied furiously since the March bottoms were hit. These growth names have been at the forefront of the new COVID world, and have kept our world not only afloat, but growing and transitioning to the new normal.

Top Growth Stocks For October

American Express

Discover

Lemonade

Mastercard

Visa

While some fintech stocks can be rather risky, it's unfair to label all fintechs one way or the other.

Are Fintech Stocks Safe?

Pandemic accelerates the secular growth of digital payments with latest Visa's Card-Not-Present volumes data confirming ongoing growth in Q3.

PayPal: Thriving In The Pandemic And Building For The World Beyond

Discover the strategy behind the credit card.

Why Venmo Just Launched a Credit Card

Paypal Holdings Inc (NASDAQ: PYPL) has been a top performer in 2020, gaining 78.1% year to date. This week, Bank of America analyst Jason Kupferberg hosted a bull-bear debate concerning PayPal, and he highlighted the major takeaways in a note to clients.

PayPal Bulls & Bears Debate Growth Outlook, Valuation

PayPal stock isn't cheap, but it shouldn't be. With consistent innovation driving growth, PayPal is a clear long-term winner.

The Reasons to Own PayPal Stock Keep On Growing

PayPal stock has seen impressive growth in 2020 as cash falls out of favor, but look for mobile payment popularity to outlive the pandemic. The post Buy PayPal Stock As It Rides the Cash-Avoidance Wave appeared first on InvestorPlace.

Buy PayPal Stock As It Rides the Cash-Avoidance Wave

Overstock.com

Democratization of blockchain is gaining steam with coronavirus crisis induced demand for offerings based on the next-gen technology, which brings IBM, OSTK, MA and PYPL in focus.

4 Stocks to Watch on Growing Blockchain Proliferation

SAN JOSE, Calif., Oct. 6, 2020 /PRNewswire/ -- As business leaders continue to identify how to respond to the economic impacts of COVID-19, PayPal and JUST Capital, in collaboration with Financial Health Network and Good Jobs Institute, announce a new initiative to make workers' financial...

PayPal and JUST Capital Launch New Collaborative Initiative Encouraging the Nation's Largest Companies to Prioritize Workers' Financial Security and Health

The company is building on a large user base to widen the brand with the new plastic.

PayPal Rolling Out Venmo Credit Card

It'll come with "smart rewards," the payments app says.

Venmo now has a credit card

Venmo, the peer-to-peer payment platform owned by PayPal Holdings Holdings Inc. (NASDAQ: PYPL), has begun issuing a Venmo Credit Card that offers cash-back rewards of up to 3% on purchases in a customer’s top spending category.

Will the New Venmo Credit Card Drive More PayPal Revenue?

Last October, Venmo announced it would launch its first credit card sometime in 2020. Today, the PayPal-owned company is making good on those promises with the debut of the Venmo Credit Card, initially rolling out to select customers.

Venmo launches its first credit card, offering up to 3% cash back, personalized rewards

Axon Enterprise

Magnite

All three businesses have robust growth opportunities, and buying now makes a lot of sense.

3 Top U.S. Stocks to Buy in October

Etsy

Target

With effects from the pandemic ongoing, e-commerce is where it's at this holiday shopping season.

3 Stocks to Buy For the Fourth Quarter of 2020

British American Tobacco

Charter Communications

Diageo

Alphabet

Imperial Brands PLC

L'Oreal SA

Marriott

Altria

Zoetis

We highlight the most attractive opportunities this month, by reviewing notable price moves and rating changes in our research.

Librarian Capital's Monthly Top Buys And Price Moves - September 2020

PayPal is a free cash flow powerhouse likely to move a good deal higher. PayPal stock will continue to move higher as its FCF grows, active accounts increase and its total payment volume rises.

PayPal Is a Free Cash Flow Powerhouse Likely to Move a Good Deal Higher

Cheesecake Factory

Dollar General

Invesco DB US Dollar Index Bearish Fund

Invesco DB US Dollar Index Bullish Fund

This week's Alpha Trader podcast features hosts Aaron Task and Stephen Alpher talking markets with Bob Iaccino, who is making a return appearance to the show.p

Bob Iaccino Talks Stocks, Commodities, And The Dollar On Alpha Trader (Podcast Transcript)

Paypal has performed exceptionally well during the COVID-19 pandemic, with 2020 Q2 having record financial success.

News for PayPal Stock (PYPL)