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

Seeley brings over 25 years of global brand, digital, and performance marketing expertise to PayPal and its family of brands, including Venmo SAN JOSE, Calif. , Feb. 26, 2024 /PRNewswire/ -- PayPal Holdings, Inc. (NASDAQ: PYPL) today announced Geoff Seeley has joined the company as Chief Marketing Officer (CMO), reporting to Diego Scotti, Executive Vice President (EVP) and General Manager (GM) of Consumer Group and Global Marketing & Communications.

Geoff Seeley Joins PayPal as Chief Marketing Officer

PayPal is one of the largest e-commerce platforms in the world, with over 400 million active accounts. The company produces strong cash flow and boasts a healthy liquidity profile.

1 Fintech Stock to Buy in 2024 With 45% Upside, According to 1 Wall Street Analyst

Salesforce

PayPal is the market leader in online payment processing, and its recently redesigned branded checkout solution could help accelerate growth in the future. Salesforce is the market leader in customer relationship management software, and recent product innovation involving artificial intelligence could boost growth.

2 Growth Stocks to Buy Before They Soar 72% and 79%, According to Wall Street Analysts

With growing revenue and payment volume, sizable free cash flow, and network effects, it's hard not to be intrigued by PayPal. There's no doubt that the payments landscape is one of the most competitive, and ongoing industry changes will make things difficult for PayPal.

Going Bargain Hunting? PayPal Is the Best Beaten-Down Stock to Buy in 2024, but Only If You Believe 1 Thing.

Airbnb

dLocal Ltd

MercadoLibre

Visa

PayPal and Visa are at cheap price points compared to their history. Airbnb's share repurchases will boost the company.

Here Are My Top 5 Undervalued Growth Stocks to Buy Right Now

Illinois Tool Works

The stock market is up – but not all stocks are expensive.

2 Stocks I Just Bought -- Even With the Market Near All-Time Highs

PayPal derives most of its revenue from fees attached to transactions. While payment volume is important to analyze, the company's margin on these transactions sheds light onto how strong PayPal's core business is.

1 Number PayPal Investors Won't Want to Miss

Financial services conglomerate PayPal Holdings Inc. (PYPL, Financial) remains in the shadow of its former glory. After peaking at record highs of $310 a share at the height of the Covid-19 pandemic in 2021, the stock has come tumbling down.

Navigating PayPal's Decline

Alphabet

Vertex Pharmaceuticals

Alphabet is a leader in two technologies that could transform the future. PayPal is a dirt cheap fintech leader with a stronger business than you might think.

The Best Stocks to Invest $5,000 in Right Now

Ford Motor Company

H&R Block

JD.com

Kraft Heinz

Pfizer

AT&T

Bargain stocks are making a comeback, as growth stocks are now seen as a bubble on the brink of bursting. Amid this shift, value stocks are attractive bets, offering healthy long-term upside and an income stream at attractive prices.

7 Stocks to Buy for Bargain Hunters on the Prowl

What do Wall Street's experts think about PayPal (NASDAQ: PYPL )? Their assessments are mixed, and it seems like the market doesn't have a clear vision for PayPal.

PYPL Stock Analysis: Wall Street Can't Agree on PayPal. Buy It Anyway.

SoFi Technologies

Traditional banking is transforming, and the banking collapse in 2023 has led to a shift in consumer preference. Consumers are choosing fintech companies over traditional banks, which has led to fintech stocks being hot property.

3 Fintech Stocks to Turn $10,000 Into $1 Million: February 2024

PayPal's stock has plunged 80% from its all-time high. Its transaction take rate has declined every year since its spin-off from eBay.

PayPal's Investors Can't Turn a Blind Eye to This Startling Chart

Trade Desk

PayPal's stock is unbelievably cheap. The Trade Desk just reported blowout earnings, which caused its price to spike.

2 No-Brainer Stocks I Just Bought More of in February

Bristol-Myers

Tapestry

Tapestry has excellent luxury brands in its portfolio and it is coming off a record quarter. PayPal's stock has struggled, but this is still a leading company in its industry.

Got $5,000? These 3 Stocks Are Dirt Cheap Buys With Plenty of Upside

British American Tobacco

Estee Lauder

Realty Income Corp

Yum China Hlds

U.S. indices are hitting new all-time highs seemingly every week. Traders are enthusiastic, but some analysts are warning of a potential market bubble.

Wall Street Favorites: 7 Long-Term Stocks With Strong Buy Ratings for February 2024

Gilead Sciences

Goodyear Tire & Rubber

During stock market ups and downs, identifying the next big players breeding massive value growth potentials is similar to finding a pearl in a vast ice lake. Among the multitude of options, certain market giants stand out; they are ready to embark on monumental rallies.

Stock Alert: 3 Market Giants on the Brink of Monumental Rallies

PayPal has had a rough past few years, but there's reason for hope. Churn in active accounts looks worse than it is, and there's plenty of growth elsewhere.

This Nasdaq Stock Is Down 5% Since Earnings. Is It a Buy Now?

PayPal continues posting solid growth and profits, but the stock has been a disappointment. Network effects support the company's economic moat.

PayPal Is a Magnificent Stock to Buy Hand Over Fist, But You'll Regret Not Knowing This 1 Key Risk

Deere & Company

Intel

Coca-Cola

PepsiCo

Starbucks

If you are an investor like me, you don't want to miss out on any opportunity to load up on blue-chip stocks to buy when they are down. While blue-chip stocks can help build a solid retirement portfolio, many also generate steady income for the years to come.

7 Blue-Chip Stocks to Pick Up While They're Down

A price target cut doesn't necessarily mean a pundit is now bearish on a stock. Such was the case with one analyst move earlier this week.

Is Paypal Stock Going to $75? 1 Wall Street Analyst Thinks So.

PayPal gave disappointing guidance for the first quarter, but the company is executing on a reasonable growth strategy that should restore momentum in time. It's the clear market leader in online payment processing, so the fintech specialist is ideally positioned to benefit as e-commerce sales trend higher.

1 Magnificent Growth Stock to Buy Before It Soars 149%, According to a Wall Street Analyst

American Express

The rout that PayPal shares have suffered since 2021's peak underestimates the company's command of the payment-tech space. The Kraft Heinz merger didn't pan out as well as originally hoped, but there's a light at the end of the tunnel.

3 No-Brainer Value Stocks to Buy With $1,000 Right Now

The market has turned against PayPal (NASDAQ: PYPL ), but that's not a bad thing. A temporary shift in sentiment shouldn't change your PYPL stock outlook.

Let the Haters Hate! PayPal Stock Is Still Great.

Block

In the fintech industry, where technology is reshaping traditional practices, three titans stand at the edge of transforming how we manage money and invest. These stocks do not just represent companies; they are the trailblazers in the fintech revolution.

News for PayPal Stock (PYPL)