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

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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

PayPal is the clear leader in digital payments, with a more than two-decade operating history. Apple Pay's quick rise in popularity is an impressive feat.

Is This PayPal's Biggest Threat?

PayPal Holdings, Inc. (NASDAQ:PYPL ) Wolfe FinTech Forum March 15, 2023 12:30 PM ET Company Participants John Kim - Executive Vice President and Chief Product Officer Conference Call Participants Darrin Peller - Wolfe Research Darrin Peller Get the ball rolling. And first of all, thank you again for all joining us.

PayPal Holdings, Inc. (PYPL) Management presents at Wolfe FinTech Forum Conference (Transcript)

Block

PayPal and Block primarily earn money from digital payment service fees, but both also hold customer deposits. While neither is a traditional bank, both PayPal and Block could be affected by investor skittishness.

How the Banking Mess Applies to Fintech Giants PayPal and Block -- and How It Doesn't

Bank of America

MercadoLibre

It can be a challenge finding the best fintech stocks to buy. After all, they did not do very well in 2022.

3 Disruptive Fintech Stocks to Buy That Can Make You a Millionaire

Disney

Alphabet

Alphabet has a lower P/E ratio than many other big techs. PayPal's free cash flow continues to be impressive.

3 Stocks You Might Be Glad You Bought at These Prices

Hive Blockchain Technologies Ltd

Mastercard

NVIDIA

Riot Blockchain

Taiwan Semiconductor Manufacturing

With the massive sell-off in the crypto market, the best blockchain stocks to buy are now on sale. These stocks play a critical role in the proliferation of blockchain, a technology that will continue to be strong.

7 Blockchain Stocks Destined to Disrupt Traditional Industries

Zscaler

PayPal and Zscaler have consensus ratings of “buy” among Wall Street analysts. PayPal is the leader in online payment processing, and the growing adoption of digital wallets should be a tailwind.

2 Growth Stocks Near Their 52-Week Lows to Buy Hand Over Fist, According to Wall Street

Global Payments

Intel

Medtronic

Unilever

Verizon

Walgreens

Although the biggest and most-established enterprises generally outperform smaller firms during troubled times, this concept doesn't always ring true, meaning that speculators can target beaten-down blue-chip stocks to buy. To be sure, a few advantages exist in targeting this sector over a lesser-capitalized fare.

7 Blue-Chip Stocks to Buy at an All-Time Low

PayPal stock has deservedly sold off after a bumpy year. But the sellers got carried away and shares are now undervalued.

Is PayPal Holdings Stock a Buy?

In today's edition: How influencers are using ChatGPT, BMW wins the luxury electric SUV race, and more headlines.

'PayPal Mafia' member says Google and Meta intentionally overhired engineers to prevent them from working at other companies.

PayPal is growing in all the right places, and the stock is not expensive. Fairfax Financial is a low-risk stock that's well-positioned for the current macroeconomic climate.

2 Stocks Down 3% and 75% to Buy Right Now

PayPal Holdings, Inc. (NASDAQ:PYPL ) Morgan Stanley Technology, Media and Telecom Conference March 8, 2023 5:40 PM ET Company Participants Dan Schulman - President and CEO Conference Call Participants James Faucette - Morgan Stanley James Faucette All right. We'll go ahead and get started here with PayPal this afternoon.

PayPal Holdings, Inc. (PYPL) Presents at Morgan Stanley Technology, Media and Telecom Conference (Transcript)

Six months after taking a health-related leave of absence, PayPal's CFO is stepping down. Blake Jorgensen, who became the company's chief financial officer last year, resigned from that position Tuesday (March 7), PayPal said in a news release.

PayPal CFO Jorgensen Steps Down After 6-Month Medical Leave

Roku

Roku is the most popular streaming platform in North America and Mexico, which positions the company to benefit as brands invest more in online video advertising. PayPal is the most accepted digital wallet in North America and Europe, which positions the company to benefit as e-commerce and mobile payments grow in popularity.

Nasdaq Bear Market: 2 Remarkable Growth Stocks Down 75% and 86% to Buy in March and Hold Forever

Visa

Financial Select Sector SPDR Fund

Industrial Select Sector SPDR Fund

Technology Select Sector SPDR Fund

Stock-market investors face changes in sector classifications this month, with shifts expected in areas such as information technology and financials, according to Wall Street analysts.

Why financials may become the ‘new crowded' sector after looming classification changes in stock market

PayPal Holdings Inc. PYPL, -2.44% said late Tuesday that Chief Financial Officer Blake Jorgensen will step down from the role. Jorgensen took a leave of absence for health reasons last September.

PayPal CFO to step down in September, following leave

Cybersecurity company Deep Instinct has added PayPal Ventures to its existing investor base. The new funding will help Deep Instinct accelerate the growth of the company and its threat prevention technology powered by deep learning, according to a Tuesday (March 7) press release.

Cybersecurity Company Deep Instinct Gets Backing From PayPal Ventures

Amazon

Fiverr

Green Thumb Industries Inc.

JD.com

The Nasdaq Composite plummeting 33% provides the ideal opportunity for patient investors to buy into innovative businesses at a discount.

Nasdaq Bear Market: 5 Marvelous Growth Stocks You'll Regret Not Buying on the Dip

PayPal Holdings, Inc. (NASDAQ:PYPL ) 7th Annual Evercore ISI Payments & Fintech Innovators Forum Conference March 2, 2023 3:30 PM ET Company Participants Gabrielle Rabinovitch - CFO and SVP, IR and Treasurer Conference Call Participants David Togut - Evercore ISI David Togut Welcome back to Evercore ISI's Payments and FinTech Innovators Forum. I'm David Togut, Payments and Financial Technology Analyst at Evercore ISI.

PayPal Holdings, Inc. (PYPL) Presents at 7th Annual Evercore ISI Payments & Fintech Innovators Forum Conference (Transcript)

PayPal Holdings, Inc. (NASDAQ:PYPL ) KBW Fintech & Payments Conference March 1, 2023 11:00 AM ET Company Participants Doug Bland - Head, Consumer Business Conference Call Participants Sanjay Sakhrani - KBW Sanjay Sakhrani All right. We're going to get started here.

PayPal Holdings, Inc. (PYPL) Presents at KBW Fintech & Payments Conference (Transcript)

Etsy

Interested in trying your hand at growth investing? Read this first.

Growth Stocks: What They Are and How to Find Them

Nasdaq

These two stocks are long-term growers that are good buys right now.

2 Top Fintech Stocks to Buy in March

Despite mixed results, the company is taking steps to set itself up for future success. PayPal's consumer head recently gave some good color on how PayPal can drive growth from the currently installed user base.

Why We Remain Bullish On PayPal

Arrival Group

Bionano Genomics

Caterpillar

SolarEdge Technologies

TripAdvisor

Despite the “hotter-than-expected” U.S. inflation data reported on Feb. 24, the fundamentals of the U.S. economy remain pretty strong. But don't take my word for it; listen to the CEO of JPMorgan, Jamie Dimon, who told CNBC on Feb. 23 that “The U.S. economy is doing quite well.

News for PayPal Stock (PYPL)