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 Q1 2024

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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

We believe PYPL's stock price has been overly moderated against its peers, despite the excellent double beat in FQ4'22 and impressive forward guidance. It appears that there is a disconnect between its stock valuations and fundamental performance, suggesting an improved margin of safety for those looking to add.

PayPal: Braintree May Boost Its Sluggish Valuations

Is it time to buy PayPal stock? PayPal's Braintree solution has been one of its fastest-growing segments, as its unbranded total payment volume has grown over 40% year over year.

3 Reasons PayPal Could Be the Best Fintech Stock to Buy in 2023

Fiverr

Fiverr has barely scratched the surface of its total addressable market. PayPal is a leading digital wallet that continues to enlarge its ecosystem.

2 Growth Stocks Down 38% or More to Buy and Hold For 10 Years

The Beachbody Co.

Chemours

Nokia

Planet Labs

LiveRamp Holdings Inc

Snowflake

If the Covid-19 pandemic taught us anything, it's that investors should never underestimate the power of coordinated trading action via social media, which brings up the topic of super speculative meme stocks. Obviously, this subsegment is highly volatile and should only be approached with money you can afford to lose.

7 Super Speculative Meme Stocks That Could Make You Very Rich

Alibaba

Johnson & Johnson

We're at a weird place in the stock market. We're still well off the all-time highs in most stocks, but at the same time, the market has enjoyed a tremendous rally over the last three to six months.

The 3 Best Bargain Stocks to Buy for April 2023

AUSTIN, Texas & WINNIPEG, Manitoba--(BUSINESS WIRE)--Bold Commerce, the technology company that powers tailored checkout experiences for leading omnichannel retailers and DTC brands, today announced the launch of its headless checkout integration with Magento Open Source and Adobe Commerce. Bold collaborated with PayPal (NASDAQ: PYPL) to create the new integration.

Bold Commerce Collaborates with PayPal to Launch Tailored Checkout on Adobe Commerce

PayPal has been hit hard by the challenging economy over the past year or so. Low-income customers have cut spending, hurting the company's growth.

A Bull Market Is Coming: 1 Supercharged Growth Stock to Buy Hand Over Fist Before It Soars 113%, According to Wall Street

CVS Health

Microsoft

Microsoft's further foray into video games and AI-powered search give it a lot of growth potential. PayPal remains popular with merchants, and the stock could rebound once the economy improves.

These Are 3 of the Best Growth Stocks to Buy in April

Avnet

Broadridge Financial

Citigroup

Global Payments

Sabre

Verizon

The stock market had a strong first quarter, with many companies posting big gains. This was a welcome turn of events after a difficult 2022 for investors.

The 7 Most Undervalued Stocks to Buy in April 2023

Fair Isaac

Intuit

MercadoLibre

Block

Toast

Visa

As a hotbed for innovation, top fintech stocks to buy have disrupted traditional financial services. They've delivered cutting-edge solutions bolstering efficiency and accessibility.

The 7 Most Promising Fintech Stocks to Buy for April 2023

Online merchants have long used PayPal and Venmo to drive checkouts. But in the current macro environment, for smaller online sellers to move beyond the “small to mid-sized” designation — in other words, boost top lines — they need to give customers more payment choices.

PayPal Unlocks Enterprise Merchant Features for Small Business With Advanced Checkout Upgrades

SoFi Technologies

All three fintech stocks are down nearly 75% from five-year highs, but is it really game over?

What Block, PayPal, and SoFi Stock Investors Should Know About the Latest Updates

PayPal is adding new tools for small business owners including Apple Pay support at checkout, the option for customers to save their cards for the site, and access to IC++ pricing. The company announced that its Advanced Checkout integration feature for small and medium businesses now allows customers to pay through Apple Pay.

PayPal is adding new tools for SMBs for easier customer checkout experience

PayPal is adding new tools for small business owners including Apple Pay support at checkout, the option for customers to save their cards for this specific site, and access to IC++ pricing. Small and medium businesses currently have two ways to integrate PayPal in the checkout flow.

PayPal adds Apple Pay support for small merchants using Advanced Checkout

PayPal's online payment solution enables SMBs to accept PayPal payments, credit and debit cards, digital wallets and more. Beginning today, SMBs will also be able to accept payments with Apple Pay ®, allow their customers to save payment methods with the PayPal vault and keep their cards up to date with real-time account updater, as well as get access to features to help them run their business including interchange plus plus (IC++) pricing with gross settlement.

PayPal Adds New Features to Its Complete Payments Solution for Online Small Businesses

PayPal continues to deliver on margin expansion in spite of a tough macro backdrop. The stock price has languished near 2017 levels.

PayPal: Beaten-Down Tech Stock Trading At 15x Earnings, Aggressive Share Repurchases

Affirm

Buy-Now-Pay-Later (BNPL) stocks and services have become a hot item on many investors watch lists. The freedom for consumers to defer payments over time may be tempting as well as convenient for some, but experts have raised questions over their potential risks for abuse in the past.

3 Buy-Now-Pay-Later (BNPL) Stocks to Avoid Like the Plague Right Now

Investors worry about the company's revenue growth and increasing competition in this weak economic environment. PayPal's profits should recover once e-commerce growth resumes.

PayPal Near Its Cheapest Valuation Over the Past 10 Years -- Is It a Buy?

Intuitive Surgical

Tesla

What bear market? The world's top-performing hedge-fund racked up a record $16 billion in profits in 2022.

4 Stocks the World's Top-Performing Hedge Fund Is Buying Hand Over Fist

Live Nation

PayPal has joined forces with Live Nation to become Ticketmaster's preferred payments partner. “Our goal is to seamlessly connect artists and event organizers with fans wherever they are in the world, and PayPal helps us take that to the next level with a truly global-reaching payments solution,” Ticketmaster President Mark Yovich said in a Monday (April 3) news release.

Live Nation Lets Concertgoers Buy Tickets Via PayPal

SAN JOSE and LOS ANGELES, Calif. , April 3, 2023 /PRNewswire/ -- PayPal Holdings, Inc. (NASDAQ: PYPL) and Live Nation Entertainment, Inc. (NYSE: LYV), today announced a multi-year strategic partnership that names PayPal as the Preferred Payments Partner of Ticketmaster, providing fans a simple and flexible way to buy tickets to the live entertainment they love.

Live Nation Entertainment and PayPal Sign Multi-Year Deal To Expand Simple and Secure Payments to Fans Buying Tickets Worldwide

NVIDIA

SolarEdge Technologies

There are many ways to make the most of the stock market, but arguably one of the best is to invest in innovative growth stocks. Growth stocks are companies that are expected to grow their earnings, revenue or cash flow faster than their peers or the market at large.

3 Growth Stocks That Are Leading the Innovation Race

Buy-Now-Pay-Later (BNPL) stocks represent a growing form of commerce. Essentially, BNPL companies allow consumers to pay in chunks, rather than lump sums, for large purchases.

3 Buy-Now-Pay-Later (BNPL) Stocks Sitting in the Sweet Spot

Once again, the traditional banking industry is experiencing another crisis. Thus, the innovation that financial technology, or fintech stocks, provide is going to be even more crucial for the future.

News for PayPal Stock (PYPL)