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 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

Amazon

The future looks bright for these stocks despite near-term economic headwinds.

2 Warren Buffett Stocks Down 48% and 74% to Buy in 2023 and Hold Forever

Apple

Funko

Spotify

Plus, we chat about the layoffs at Spotify and what's going on at Funko.

Big Banks Try to Take On Apple Wallet and PayPal

PayPal processes over $1 trillion in annualized payment volume, and the big banks want a piece of it.

The Big Banks Are Planning a Digital Wallet -- Should PayPal Investors Be Worried?

Alphabet

IMAX

Rover Group

Lucid Group

There are plenty of ominous headlines weighing on investors. There's the Doomsday Clock, which now sits at 90 seconds to midnight.

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Mastercard

Block

Visa

Payments stocks including Visa Inc., Mastercard Inc., PayPal Holdings Inc. and Global Payments Inc. remain “defensive plays” in the current inflationary landscape, but Block Inc.'s stock carries risk, according to one analyst.

Many payments stocks are ‘defensive plays' — but not Square's, says analyst

PayPal has launched a new integration with eCommerce tech firm Bold Commerce. “PayPal is working with Bold Commerce to bring payments and commerce together as the fintech company moves into the growing headless commerce market,” Bold said in a Wednesday (Jan. 25) news release announcing the collaboration.

PayPal Teams With Bold Commerce to Expand Checkout Experience

AUSTIN, Texas & WINNIPEG, Manitoba--( BUSINESS WIRE )--Please insert as the first paragraph of the release the paragraph beginning "Bold Commerce, the ecommerce technology company

INSERTING and REPLACING Bold Commerce Integrates PayPal Bringing Payments and Commerce Together

Bristol-Myers

TC Energy

These stocks are good value buys for the long haul.

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The German competition watchdog has announced antitrust investigations against PayPal. In a statement on Monday (Jan. 23), the Bundeskartellamt (BKartA) said it is probing the payment company over potentially anticompetitive terms in its user agreement applicable in Germany.

German Antitrust Investigation Highlights PayPal Merchant Fees

The stock price of PayPal has been trading slightly below its previous close throughout the day today. This is why.

What Is Happening With The PayPal Stock (PYPL)

Germany's competition watchdog is reportedly investigating PayPal over possible obstruction of its competitors. The head of that country's Federal Cartel Office says he is examining whether PayPal's user terms harm customers or sellers, Bloomberg News reported Monday (Jan. 23).

Report: PayPal Focus of German Antitrust Investigation

PayPal Holdings Inc. helped make it easy for consumers to store their payment information for online purchases. Now the banks want in on that game.

The big banks want to take on PayPal in e-commerce, but that's harder than it seems

U.S. banks are reportedly working together to launch a digital wallet that will rival the likes of Apple Pay and PayPal.

U.S. big banks want to rival Apple Pay and PayPal: here's how

Germany's antitrust watchdog said Monday it had launched an investigation into PayPal to examine whether the US online payment giant was using its dominance to restrict competition.

German antitrust watchdog opens probe into PayPal

PayPal (NASDAQ: PYPL ) stock is moving on Monday as investors react to reports that big banks are working on a rival wallet. According to these reports, Wells Fargo, Bank of America, and JPMorgan Chase are leading the plans to create a digital wallet to challenge PayPal.

Why Is PayPal (PYPL) Stock Moving Today?

Veteran tech giant PayPal is facing an antitrust investigation in Germany — where the Federal Cartel Office (FCO) has announced it's looking into its rules on surcharges. The regulator is concerned that restrictions PayPal imposes on merchants could be harming competitors and inflating costs for consumers by restricting price competition.

Germany is looking into PayPal's terms for merchants

Align Technology

Catalent

Generac Holdings

Match Group

Signature Bank

SVB Financial Group

Tesla

V.F.

Remember all the beat-up stocks investors wrote off last year? In an interesting twist, last year's worst stocks are turning into the first.

The Market's 10 Worst Stocks Are Now First

Shares of PayPal Holdings Inc. PYPL, +3.05% were off more than 1% in premarket trading Monday after The Wall Street Journal reported that the big banks were working on a digital wallet meant to ease the process of purchasing online with debit and credit cards. Wells Fargo & Co. WFC, +2.26% , Bank of America Corp. BAC, +1.87% , JPMorgan Chase & Co. JPM, +0.24% , and several other banks are teaming up on this yet-to-be-named wallet, which will be managed by Zelle operator Early Warning Services LLC.

PayPal stock dips after report says big banks are working on a competitor wallet

Germany's cartel office regulator said on Monday it had initiated proceedings against payment company PayPal Europe over the possibility that it hindered competition.

German cartel office initiates proceedings against PayPal

The financial institutions behind the Zelle money-transfer service are working on a wallet for consumers to use at online checkout.

Banks Plan Payment Wallet to Compete With PayPal, Apple Pay

Wth the stock down 74% from its high, should investors be pouncing?

PayPal Stock: Bull vs. Bear

SoFi Technologies

SoFi is growing faster, but PayPal does better on profits.

Best Stock to Buy: SoFi Stock vs. PayPal Stock

PayPal's stock has taken a beating in the last year--but the market may have taken things too far. Secular growth trends are on PayPal's side.

PayPal: Why 2023 Is The Year To Buy

StoneCo

Following massive sell-offs, these fintech stocks are strong buys.

2 Stocks Down More Than 70% to Buy Right Now

Cardinal Health

DXC Technology

Molina Healthcare

PayPal Holdings, DXC Technology, Molina Healthcare and Cardinal Health all have strong growth potential, which should keep powering their stocks, according to Credit Suisse.

News for PayPal Stock (PYPL)