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 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 has fallen from grace. But what's next for the company? PayPal's BNBP opportunity. Good and bad aspects discussed.

PayPal: This Won't Last Forever

An analyst downgraded PayPal on views that growth will come via its Braintree mobile payments unit, but it offers scant profit margins. The post PayPal Downgraded On Views Braintree Will Be a Drag On Profit Margins appeared first on Investor's Business Daily.

PayPal Downgraded On Views Braintree Will Be a Drag On Profit Margins

James Friedman, an analyst at Susquehanna lowered his rating on PayPal's stock to Neutral from Positive.

PayPal's E-Commerce Platform Is Growing Fast. Why This Analyst Downgraded the Stock.

PayPal Holdings Inc. continues to see traction with its Braintree online-payments product, but that may not be all good news, according to an analyst.

PayPal stock falls after downgrade as analyst worries about margin impacts of its ‘engine'

Visa

The Seeking Alpha Quant Ranking places Visa ahead of PayPal within the Data Processing and Outsources Services Industry and the Information Technology Sector. The HQC Scorecard indicates that Visa is more attractive than PayPal in terms of Economic Moat, Profitability and Financial Strength.

Visa Or PayPal: A Comparative Analysis

PayPal Holdings Inc (NASDAQ PYPL) has managed to rebound slightly from its June 30 roughly five-year low of $67.58, though it remains down nearly 66% year-over-year.

Flashing Bull Signal Could Boost PayPal Stock

PayPal now appears more attractive to consumers and investors alike.

3 Reasons Investors Should Buy PayPal in This Inflationary Environment

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Lucid Group

Zillow

With the world's most powerful central bank committed to tackling soaring prices, it may be time for investors to consider specific stocks to buy for falling inflation. Here's the reason why forward-looking market participants anticipate lower prices over the next several months.

Hey Contrarian Investors! 7 Stocks to Buy Before Inflation Falls.

Pinterest

Pubmatic

These insights from investors and CEOs can help you navigate our challenging times.

Should You Really Buy Stocks Now or Wait Awhile Longer?

Is the PayPal stock worth buying now after the company announced an unprofitable second quarter (their first since 2014)? We break down the PayPal stock for a closer look at how this digital payments giant makes money - now and in the future.

PayPal Stock: Digging Into The Digital Payments Giant

PayPal said Friday that the company will no longer sponsor the Phoenix Suns if owner Robert Sarver remains part of the franchise when his suspension ends.

PayPal says it won't remain Phoenix Suns sponsor if owner Robert Sarver stays

PayPal, the jersey sponsor for the Phoenix Suns, warned that it would sever ties with the team if owner Robert Sarver remains affiliated with the organization.

PayPal threatens to sever partnership with Phoenix Suns if owner Sarver returns

PayPal Holdings will not renew their jersey sponsorship with the National Basketball Association's Phoenix Suns if team owner Robert Sarver remains with the club after serving his suspension for workplace misconduct, the company said on Friday.

PayPal won't renew Suns sponsorship if team owner stays on after suspension

PayPal said Friday it won't renew its sponsorship agreement with the Phoenix Suns if the team's controversial owner Robert Sarver doesn't resign, in the most high-profile financial fallout of an NBA probe released earlier this week that found Sarver engaged in racist and misogynist behavior, but allowed Sarver to keep the team after serving a one-year suspension.

PayPal Says It Won't Work With Phoenix Suns If Robert Sarver Keeps The Team

Affirm

Block

The buy now, pay later (BNPL) industry has officially gone big time. The Consumer Financial Protection Bureau (CFPB) on Thursday issued a new report on the industry, which grew by a factor of 10 between 2019 and 2021, originating 180 million loans with a value of $24 billion in 2021.

Buy Now, Pay Later Firms to Get Light Touch Federal Scrutiny

The Consumer Financial Protection Bureau said Thursday that it plans to start regulating the industry. Wall Street sees it as an affirmation of the industry.

Regulators Are Coming for Affirm and Other BNPL Companies. They Don't Seem to Mind.

Buy now pay later stocks slipped on Thursday after a report released by the Consumer Financial Protection Bureau indicated a plan to regulate several companies.

Buy now pay later stocks slump as U.S. consumer watchdog seeks more regulatory oversight

PayPal Holdings Inc.'s PYPL, +2.79% newly named chief financial officer, Blake Jorgensen, will take a leave of absence for health reasons, the company disclosed in a filing with the Securities and Exchange Commission on Wednesday. Gabrielle Rabinovitch, the company's senior vice president for corporate finance and investor relations, will serve as acting CFO.

PayPal's newly named CFO Jorgensen to take health-related leave

Raymond James thinks the company's earnings estimates don't fully reflect the growth potential.

PayPal Is Turning Around. Another Analyst Turns Bullish.

After seeing its stock price cut in half so far this year, PayPal Holdings Inc. now seems to be slowly making its way back into Wall Street's good graces amid improving business trends, a cost-cutting plan, and more measured optimism from the management team.

PayPal stock is ‘exactly what you want to own' in this market, analyst says in upgrade

Pandemic darling PayPal Holdings Inc. PYPL, -2.91% has struggled to contend with the reopening of the economy after the pandemic, but Chief Executive Dan Schulman says that the company is back on track.

PayPal is ‘clearly now at a turning point,' its CEO says

PayPal reported an unprofitable Q2. Was it a fluke, or is the fintech business heading down a dark path?

Are the Best Days of PayPal's Stock in the Past?

PayPal Holdings, Inc. (NASDAQ:PYPL ) Goldman Sachs Communacopia + Technology Conference 2022 September 12, 2022 7:30 PM ET Company Participants Daniel Schulman - President and CEO Conference Call Participants Michael Ng - Goldman Sachs Michael Ng Great. Welcome to the PayPal Keynote at the Goldman Sachs Communacopia and Technology Conference.

PayPal Holdings, Inc. (PYPL) CEO Daniel Schulman Presents at Goldman Sachs Communacopia + Technology Conference 2022 (Transcript)

After making investors sweat for several quarters, PayPal Holdings Inc. faces a “more reasonable” bar, according to Deutsche Bank analyst Bryan Keene.

PayPal's more ‘realistic' setup sparks optimism

Amazon

Biohaven Pharmaceutical Hld

Salesforce

Dollar General

Alphabet

Healthcare Realty Trust Inc

Eli Lilly

Microsoft

Neurocrine Biosciences

Seagen

Snowflake

T-Mobile US

Big investors are famous for breaking rank from the S&P 500 crowd. So when you see a few agreeing on a stock, it's worth paying attention.

News for PayPal Stock (PYPL)