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

A competing digital wallet will soon be hitting the market.

Is This the End of PayPal As We Know It?

PayPal Holdings Inc  (NASDAQ:PYPL) is 2.4% at $83.51 lower premarket, following a bear note from Raymond James.

Analyst: Keep an Eye on PayPal Stock Before Earnings

Airbnb

Fiverr

Cloudflare

Shopify

Block

Tesla

After a rough outing in 2022, many of the best growth stocks are trading at bargain valuations. In fact, some are offering what some would consider a once-in-a-lifetime opportunity.

The 7 Best Growth Stocks for the Next 10 Years

A U.S. appeals court has revived a U.S. Consumer Financial Protection Bureau rule governing how providers of digital wallets disclose commonly used fees to prepaid customers.

U.S. court revives CFPB prepaid rule on fees, in defeat for PayPal

PayPal's Q4 earnings report will be focused on one thing, getting investors to buy into its cost-cutting narrative. PayPal is no longer a fast growing business. But this insight has already been more than factored into its current share price.

PayPal Q4 Earnings Preview: Focused On Cost Cutting

Cost cuts, and a digital ad titan's encouraging forecast, could lead to more gains for the financial technology company's investors.

Why PayPal Stock Popped Today

Salesforce

Hundreds of PayPal Holdings Inc. employees have begun to be notified that their jobs are being cut on the same week that Chief Executive Dan Schulman announced thousands of layoffs.

PayPal, Salesforce cut hundreds more employees as tech layoffs continue

PayPal Holdings, Inc PYPL gapped up over 4% on Thursday in tandem with the general market, which was saw the S&P 500 surging about 1%, boosted by a positive reaction to Meta Platform's fourth-quarter earnings print.

PayPal Stock Surges Above This Bellwether Indicator: What To Watch For Next - PayPal Holdings (NASDAQ:PYPL)

HubSpot

Workday

PayPal, HubSpot and Workday all announced on the same day combined job losses of over 3,000

PayPal, HubSpot And Workday Are The Latest To Announce Mass Layoffs

Upstart Holdings

These beaten-down growth stocks could rebound sharply when the economy stabilizes.

Nasdaq Bear Market: 2 Growth Stocks Down 74% and 95% to Buy in 2023

Apple

Allianz SE

AXA SA

British American Tobacco

iShares Core Dividend Growth ETF

iShares Select Dividend ETF

iShares Core High Dividend ETF

Itau Unibanco Holding S.A.

Coca-Cola

Mastercard

McDonald's

Realty Income Corp

PepsiCo

Restaurant Brands

Starbucks

Schwab US Dividend Equity ETF

Visa

Vanguard High Dividend Yield ETF

YUM! Brands

Zurich Insurance Group AG

The investment portfolio I have built for you in this article consists of 2 ETFs and 8 companies which I consider to be attractive in terms of risk and reward. I have built this investment portfolio in a way that gives you a Weighted Average Dividend Yield [TTM] of 3.04%.

How To Allocate $20,000 Among 10 Dividend Income And Growth Stocks And ETFs

It looks like the “Big Tech Layoff Club” just keeps getting bigger. Reportedly, PayPal (NASDAQ: PYPL ) just disclosed plans to lay off 2,000 workers.

PayPal Layoffs 2023: What to Know About the Latest PYPL Job Cuts

PayPal Holdings Inc will need to cut more costs with its payment volumes expected to shrink as customers batten down the hatches to prepare for a potential economic downturn, said Wall Street analysts, warning of a tough year ahead.

PayPal's rocky road ahead warrants more cost cuts, Wall Street says

PayPal Holdings Inc (NASDAQ:PYPL) has become the latest technology firm to slash jobs in a bid to reduce costs, saying on Tuesday it would cut 7% of its global workforce. Some 2,000 jobs will be lost at the online payment giant, chief executive Dan Schulman said in a statement, adding the company had “more work to do,” as it restructures to cut costs.

PayPal to cut 2,000 jobs as tech woes continue

AbbVie

CVS Health

Disney

Duke Energy

Fiserv

Philip Morris

S&P Global

Vertex Pharmaceuticals

The fourth quarter 2022 earnings season continues to be subpar for the S&P 500.

10 Biggest Companies Reporting Earnings in the Second Week of Feb 2023

PayPal is laying off 2,000 employees as part of a transformation that includes cost-cutting. The reductions will amount to 7% of the firm's global workforce and will occur over the coming weeks, PayPal President and CEO Dan Schulman said in a Tuesday (Jan. 31) message to employees.

PayPal Cuts 2,000 Jobs to Further Right-Size the Business

PayPal will lay off 7% of its workforce as it prepares to weather the coming economic storm. Its online retail payment processing volume has fallen sharply as wallets get tighter.

Payments firm PayPal to lay off 7% of its workforce to cut costs

Visa Inc. V is facing scrutiny from the Department of Justice over an arrangement with PayPal Holdings Inc. PYPL that was struck years ago, Bloomberg Law reported earlier Tuesday. In the early days following PayPal's spinoff from eBay Inc. EBAY, the digital-payments company preferred that users paid with their bank accounts rather than with credit or debit cards because of the fees associated with card payments, but PayPal ultimately struck partnerships with the networks that meant it wouldn't steer customers toward account-funded methods.

Visa's arrangement with PayPal has sparked DOJ interest: report

PayPal said Tuesday it will trim about 7% of its total workforce, or about 2,000 full-time workers, as the digital payments company contends with what it calls "the challenging macro-economic environment."

PayPal to cut 2,000 jobs in latest tech company cost-cutting

PayPal Holdings said Tuesday it is planning to cut 7% of its workforce, the latest in a list of fintech firms to be hit by the economic slowdown.

PayPal shares rise after announcing 2,000 job cuts

Twenty-eight U.S. companies have conducted major rounds of job cuts so far this month, as recession fears continue in 2023.

News for PayPal Stock (PYPL)