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

In his first quarterly earnings conference call as PayPal's new CEO, Alex Chriss laid out for investors and analysts a number of initiatives aimed at gaining “ubiquity both online and in person.

PayPal's New CEO: Data, AI, Scale Bring Merchants and Consumers Together in ‘Tight Flywheel'

PayPal Holdings, Inc. (NASDAQ:PYPL ) Q3 2023 Earnings Conference Call November 1, 2023 5:00 PM ET Company Participants Ryan Wallace - Head of IR Gabrielle Rabinovitch - SVP and Acting CFO Alex Chriss - President & CEO Conference Call Participants Tien-Tsin Huang - JPMorgan Ramsey El-Assal - Barclays Darrin Peller - Wolfe Research Mike Ng - Goldman Sachs Jason Kupferberg - Bank of America James Faucette - Morgan Stanley Operator Good evening. My name is Krista, and I'll be your conference operator today.

PayPal Holdings, Inc. (PYPL) Q3 2023 Earnings Call Transcript

PayPal sold a business in October as it tries to focus on finding growth. Investors have soared on PayPal and other financial technology stocks in recent years.

Here's Why PayPal Stock Dropped Another 11% Last Month

PayPal Holdings Inc (NASDAQ:PYPL) saw its 3Q results surpass analyst estimates on the top and bottom lines. The company delivered a solid quarter with non-GAAP EPS reaching $1.30, surpassing the forecasted $1.22.

PayPal beats 3Q estimates with strong growth

PayPal Holdings raised its forecast for full-year adjusted profit above Wall Street estimates on Wednesday, as the payments giant banks on resilient consumer spending trends during the key holiday shopping season.

PayPal raises full-year profit forecast above Wall Street estimates

SAN JOSE, Calif. , Nov. 1, 2023 /PRNewswire/ -- PayPal Holdings, Inc. (NASDAQ: PYPL) today announced its third quarter 2023 results for the period ended September 30, 2023.

PayPal Reports Third Quarter 2023 Results

SAN JOSE, Calif. , Nov. 1, 2023 /PRNewswire/ -- PayPal Holdings, Inc. (NASDAQ: PYPL) today announced the appointment of Jamie Miller as Executive Vice President and Chief Financial Officer (CFO) of PayPal, effective Nov. 6, 2023.

PayPal Names Jamie Miller as Chief Financial Officer

PayPal Holdings, Inc PYPL opened flat on Wednesday before falling on well-below-average-volume. The company is set to print its second-quarter financial results after the markets close.

Trading Strategies For PayPal Stock Before And After Q3 Earnings - PayPal Holdings (NASDAQ:PYPL)

PayPal received approval from the Financial Conduct Authority (FCA) on Tuesday (Oct. 31) to offer crypto-asset activities in the United Kingdom. The FCA has implemented stricter rules on marketing crypto assets, causing issues for some companies, Reuters reported Wednesday (Nov. 1).

PayPal Gets Approval to Offer Crypto-Asset Activities in UK

Danaher

JD.com

The stock market is on the downswing. Many traders are dumping their holdings as inflation, interest rates, and geopolitical crises weigh heavily on sentiment.

Make Me a Millionaire: 3 Top Growth Stocks to Buy Now

PayPal Holdings Inc (NASDAQ:PYPL) analysts expect the online payments company to make modest year-over-year gains in revenue and earnings per share (EPS) when it reports its third-quarter 2023 financial results after the close on November 1.   The analyst consensus forecast is for 3Q earnings per share (EPS) of $1.22, representing a 13% year-over-year improvement, on revenue that is expected to rise 8% to $7.39 billion, according to Zacks Equity Research.

PayPal could top 3Q estimates as analysts eye turnaround plans

The payments industry has become a crowded space with Apple. Block, and others chipping away at PayPal's business.

PayPal Reports Earnings Today. What's at Stake.

PayPal Holdings Inc. shares have remained under pressure this year, and the company will try to win back over investors when it reports earnings Wednesday afternoon.

PayPal earnings: What to expect from the payments giant

Block

PayPal Holdings Inc. and Block Inc. shares are each controversial on Wall Street, and Wells Fargo analyst Andrew Bauch expects they'll stay that way.

PayPal and Block shares are ‘battlegrounds.' Here's why that's unlikely to change.

PayPal's (PYPL) third-quarter 2023 earnings are likely to reflect an improving Total Payment Volume along with an expanding clientele.

Will Solid Total Payment Volume Aid PayPal's (PYPL) Q3 Earnings?

Apple Inc's AAPL presence in the payment industry may be contributing to the difficulties that PayPal Holdings Inc PYPL is currently experiencing with its declining stock price.

Bracing For Impact - How PayPal's Stock Could Tumble Below $50 As Earnings Loom On The Horizon

Cadence Design Systems

Salesforce

Palantir Technologies

Synopsys

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5 Top-Tier AI Stocks for Dependable Returns in 2024

DoorDash

Wayfair

Yelp

Here, we pick four internet stocks ??? DASH, PYPL, W and YELP?

4 Internet Stocks Poised to Top Estimates This Earnings Season

Even though it's a well-known technology company, PayPal (NASDAQ: PYPL ) is definitely one of the “Magnificent Seven” in 2023. Short-term traders have been selling PYPL stock as if it's toxic lately.

From Toxic to Top Pick: PYPL Stock's Imminent Fourth Quarter Surge

When PayPal Holdings reports third quarter earnings on Nov. 1, it'll give new Chief Executive Alex Chriss his first chance to lay out his turnaround strategy.

What Wall Street Expects From PayPal's New CEO

PayPal (NASDAQ: PYPL ), a fintech veteran under eBay's wing for years, became an independent entity in 2015. In the evolving fintech landscape, with newcomers in neobanks, and payment processing, PayPal faces growing competition.

It's Time to Buy PayPal Stock at a 6-Year Low

PayPal stock continues to decline, down over 80% from 2021 highs. For Q3, I see little upside in the key Bull vs. Bear debate on PayPal. Market penetration of key merchants remains strong but shows little additional growth.

PayPal: Not Yet Seeing Light At The End Of The Tunnel

PayPal's (PYPL) third-quarter results are expected to reflect gains from its strength in Venmo, checkout experiences and BNPL solutions.

PayPal (PYPL) to Post Q3 Earnings: What's in the Offing?

SoFi Technologies

Are some fintech stocks too cheap to ignore right now?

PayPal, SoFi, Block, and Other Fintech Stocks Got Dealt a Devastating Blow

Affirm

Worldline SA/France

Shares of Affirm Holdings (AFRM), Block (SQ) and PayPal Holdings (PYPL) tumbled Wednesday and continued their downward moves in pre-market trading Thursday after a French financial tech firm warned about customer spending.

News for PayPal Stock (PYPL)