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

Costco

DoorDash

In today's fast-paced world, gift-giving has become a convenient and versatile practice. Among the many options available, gift cards have emerged as the go-to choice for many.

Hallmark Lets Consumers Venmo Gift Cards as DoorDash and Costco Up Digital too

Uber

Uber and PayPal have extended their partnership to enhance the payment experience for Uber's customers and drivers.  As part of the agreement, Uber will continue to leverage PayPal's services, including PayPal Braintree, for global card processing, the companies said in a Tuesday (Sept.

PayPal and Uber Broaden Payments Partnership

PayPal is aiming to make it easier for Web3 users to buy and sell cryptocurrency.

PayPal to Simplify Crypto Payments for Web3 Merchants

Global Payments

Paysafe

The year 2021 was a boom for the online payments industry, as the world rushed to adopt digital commerce solutions. Since then, payment stocks have plunged in value as business momentum slowed.

3 High-Potential Payment Stocks to Profit From the Digital Wallet Boom

Coinbase

Robinhood

NVIDIA

Visa

Five crypto-centric stocks in focus are: NVDA, V, PYPL, HOOD, COIN.

Crypto Space Likely to Regain Pace in Q4: 5 Stocks in Focus

Uber signs a multi-year global deal with PayPal, deepening PayPal's role as a critical strategic partner as Uber continues to expand and scale in markets worldwide. This deal expands their areas of partnership to include additional processing through PayPal Braintree, alternative domestic debit network routing across a range of geographies, instant driver and courier payouts to PayPal and Venmo, and custom support for new lines of business.

Uber and PayPal Expand Relationship

There are several factors pushing this stock down, but I will argue it is an overreaction.

1 Growth Stock Down 80% You'll Regret Not Buying on the Dip

There are still some bargains to be found in the stock market; here are two in particular you may want to put on your radar.

2 Deep Value Stocks to Buy Right Now

PayPal's longtime CEO announced he was stepping down, just one of the many issues the company has faced. However, the fintech company found a new leader who looks promising.

1 Magnificent Stock Down 66% That Could Make You Richer

PayPal Holdings, Inc. (NASDAQ:PYPL ) Goldman Sachs Communacopia & Technology Conference Call September 7, 2023 4:00 PM ET Company Participants Dan Schulman - President & CEO Conference Call Participants David Solomon - Goldman Sachs David Solomon So good afternoon, everybody, and welcome, Dan. Welcome. I'm thrilled to have Dan here.

PayPal Holdings, Inc. (PYPL) CEO Dan Schulman Presents at Goldman Sachs Communacopia & Technology Conference Transcript

American Express

Bank of America

A September rally may not be in the cards for financial stocks, as the stock market is off to a lackluster start during this historically very poor month for equities. To make matters worse, Wall Street is upset by slight increases in interest rates and oil prices that we've seen so far in September.

September Rally? 3 Financial Stocks to Buy Before Liftoff

Australia's securities regulator is suing PayPal (PYPL) for a contract term that it says is unfair to small businesses.

PayPal Sued by Australian Regulator Over Small Business Contract Terms

Disney

Teladoc

Teladoc, Disney, and PayPal are all leaders in their industries. Yet, the shares of all three are trading near multi-year lows.

3 Absurdly Discounted Stocks That Are Too Cheap to Ignore

PayPal is a technology platform company that enables digital and mobile payments worldwide. The company is constantly innovating and updating its products, with potential growth from its peer-to-peer platform, Venmo. PayPal faces extensive government regulation and competition from other payment platforms, but its free cash flow generation is top-notch.

PayPal's Shares Look Cheap But We Like Other Ideas

Block

The digital payments revolution has reshaped the financial landscape, transforming the transactions are conducted and the management of money. In this dynamic era, three prominent contenders vie for the lion's share of the market: Block NASDAQ: SQ, PayPal Holdings Inc. NASDAQ: PYPL, and Visa Inc. NYSE: V.

Battle Of The Digital Payment Titans: Block, PayPal, And Visa

Here's a billion-dollar question for you. Why hasn't PayPal (NASDAQ: PYPL ) stock participated in the massive tech-stock rally of 2023 so far?

Why PYPL Stock Might Be 2023's Most Underrated Tech Play

Alibaba

General Motors

Lyft

QUALCOMM

Waste Management

As a rule of thumb, investors ought to consider securities with strong volume and chart mobility as opposed to sleeper stocks. It's like baseball.

The 7 Best Sleeper Stocks to Buy Now: September 2023

Apple

Amazon

Amazon's e-commerce revenue has soared in its most recent quarter. Meanwhile, Apple has a solid position in the sector thanks to the immense popularity of its products.

3 Top E-Commerce Stocks to Buy in September

PayPal is making progress in cost-cutting and posting double-digit growth in payment volume. The company hired a new CEO and looks like it's leaning in a new direction.

Why PayPal Stock Lost 18% in August

Lemonade

Mastercard

SoFi Technologies

Upstart Holdings

Payments businesses can be fertile hunting ground for solid investment ideas. There is no shortage of companies focused on singular areas within financial services.

You Don't Have to Pick a Winner in Fintech. Here's Why.

Enphase Energy

Microsoft

It's getting harder to find very oversold tech stocks. 2022 was a challenging year for the technology sector.

3 Very Oversold Tech Stocks to Buy Right Now

Fiverr

Vertex Pharmaceuticals

Wall Street volatility is a blessing in disguise for opportunistic long-term investors looking to pounce. Five game-changing businesses have the macro and company-specific catalysts needed to make their patient shareholders meaningfully richer over time.

5 Surefire Stocks That Can Build Generational Wealth in 20 Years

PayPal stock dropped after the COVID-related online buying frenzy, but it has the potential for a turnaround. The new CEO, Alex Chriss, could bring fresh perspectives and drive new sources of revenue for PayPal. PayPal is likely to benefit from the long-term growth of digital payments and is investing in key areas to increase its market share.

PayPal's Stock Could Be A Big Turnaround Story (Technical Analysis)

In the ever-evolving financial realm, fintech stocks with big money continue to grab investors' attention. The fintech industry has undergone a radical shift, evolving into an epicenter of innovation, with automation and AI at its helm.

3 Fintech Stocks the Big Money Is Buying Now

PayPal's valuation has sunk to its lowest level in years. Global Payments is also undervalued, and its earnings are projected to climb.

News for PayPal Stock (PYPL)