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 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

Following its earnings release, PayPal stock has fallen dramatically on speculations regarding the near-term future. The market is now pricing-in significant deterioration of the company's top or bottom line which, in my view, is a very low probability scenario. In the meantime, the management is making the right moves to secure long-term competitive advantages while also rewarding shareholders.

PayPal: 3 Reasons Why I Am Optimistic After The Quarterly Results

PayPal continues to post strong financial results. PayPal has many attractive business qualities.

PayPal Is Great. Here's Why You Shouldn't Buy It

PayPal dives deeper into crypto with the launch of its first stablecoin pegged to the US dollar.  Dubbed PayPal USD, the new stablecoin will facilitate person-to-person payments and fund purchases.

PayPal's latest crypto play is a stablecoin pegged to the US dollar

PayPal on Monday launched a stablecoin digital currency backed by US dollars to be used for transactions at its global online payments platform.

PayPal debuts US dollar-backed stablecoin for payments

PayPal, one of the biggest fintech companies in the world, is rolling out a stablecoin backed by US dollar deposits and Treasury bills, dubbed PayPal USD (PYUSD).

PayPal to Launch Stablecoin Backed by US Dollar Deposits and T-Bills

PayPal  PYPL  announced on Monday morning that it would be introducing its own US dollar pegged stablecoin, PayPal USD (PYUSD). Could this be a catalyst to ignite the next rally in Bitcoin and the rest of the crypto industry?

PayPal Launches Stablecoin: Next Bitcoin Bull Run Building?

PayPal on Monday rolled out a U.S.-dollar back stablecoin PayPal USD (PYUSD), becoming the first major fintech firm to introduce a digital currency for payments and transfers.

PayPal bullish on crypto, launches dollar-backed stablecoin

Paypal's announcement comes at a time when mass migration to digital currencies feels less inevitable than it did in years past. PayPal is wading further into the waters of cryptocurrency by becoming the first major financial institution in the United States to launch its own stablecoin, despite the landscape's stormy sea of regulation.

Crypto winter be damned, PayPal has a new stablecoin

PayPal is rolling out its first stablecoin as it attempts to capitalize on the "emerging potential" of US dollar-backed digital tokens for consumer payments.

PayPal bets on crypto's future with US-dollar-backed stablecoin

Online payments giant PayPal to launch new U.S. dollar-backed stablecoin. PYPL stock surged Monday on the cryptocurrency news.

PYPL Stock: PayPal Crypto Expands Into Stablecoin Fray

PayPal disappoints investors with earnings in line with expectations. Concerns over user count dropping and negative impact on free cash flow. Despite the drop, it presents a buying opportunity for long-term investors and short-term traders.

PayPal: The Unloved Middle Child Of Fintech

PayPal's stock has dropped significantly and is now trading at multi-year lows, presenting a buying opportunity. The technical indicators suggest that PayPal's stock is oversold and could see a rebound in momentum and sentiment. Despite a temporary slowdown in user growth, PayPal's revenues have continued to grow, indicating potential for future growth once the economic situation improves.

PayPal: The Market Is So Wrong Here

PayPal Holdings Inc (NASDAQ:PYPL) has announced the launch of PayPal USD (PYUSD), a US dollar-denominated stablecoin. The digital and mobile payments technology company said in a statement that the new cryptocurrency is in response to the emerging potential of fully-backed, regulated stablecoins in transforming payments in web3 and digitally native environments.

PayPal launches US dollar stablecoin PayPal USD

Shares of PayPal have been recovering after they crumbled to a near six-year low earlier this summer.

PayPal Stock Jumps 2% After Launching Crypto Stablecoin—Here's What To Know

(Kitco News) - Digital payments provider PayPal has announced the launch of PYUSD, a U.S.-dollar-denominated stablecoin.

PayPal launches U.S. dollar-backed stablecoin, PayPal USD (PYUSD)

PayPal (NASDAQ: PYPL ) stock is a hot topic among crypto traders on Monday after the payment services company launched its own token today. The new token from PayPal is named PayPal USD ( PY-USD ).

PYPL Stock Alert: 7 Things to Know as PayPal Launches Stablecoin

PayPal would represent a blue-chip alternative to the largest stablecoin issuer, Tether, which could make $6 billion in profit this year.

PayPal Launches Dollar-Pegged Stablecoin in Latest Wall Street Threat to Crypto

McDonald's

Medtronic

After five consecutive months of gains in the S&P 500 and Nasdaq Composite, the market might be due for a pullback. One way to protect portfolio gains is to hide in defensive stocks as we enter a seasonally weak period.

3 ‘Strong Buy' Blue-Chip Stocks You Should Be Loading Up On Now

PayPal is rolling out a stablecoin for payments and transfers, the company announced on Monday. PayPal USD (PYUSD) is issued by Paxos Trust Company and is backed by U.S. dollar deposits, short-term U.S Treasuries and similar cash equivalents.

PayPal launches PYUSD stablecoin for payments and transfers

PayPal (NASDAQ: PYPL) has today announced a US dollar-backed stablecoin dubbed PayPal USD (PYUSD). According to a press release the payments giant published on Monday, PayPal USD will be issued by Paxos Trust Co., the company that issued the discontinued Binance USD (BUSD) stablecoin.

PayPal launches US dollar stablecoin PYUSD

Payments firm PayPal (PYPL.O) on Monday launched a U.S. dollar stablecoin in a bid to boost the adoption of digital currencies for payments and transfers.

PayPal launches stablecoin in crypto push

PayPal Holdings Inc. PYPL, -2.23% is launching a U.S. dollar-denominated stablecoin, the company announced Monday. The PayPal USD stablecoin (PYUSD) will be redeemable one-to-one for U.S. dollars and will be issued by Paxos Trust Company, the company said in a release.

PayPal will launch its own stablecoin

The drop in Take Rates and Active Accounts took over the headlines. While everyone focuses on those, earnings per share, total payment volume, and share repurchases are all accelerating. The markets fail to notice the potential of PayPal's Payment Service Provider business.

PayPal: Don't Be Too Short-Sighted

PayPal reported quarterly financial results that disappointed shareholders.

Should You Buy PayPal Stock on the Dip?

Marqeta

PagSeguro Digital

Fintech stocks were among the top Wall Street darlings during the pandemic. These businesses rapidly grew revenue and profit as e-commerce volumes soared, providing swift and substantial returns to investors.

News for PayPal Stock (PYPL)