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

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Earnings data Q1 2022

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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 Holdings Inc. is expanding its buy-now pay-later offerings during an eventful month for the BNPL category.

PayPal expands BNPL offerings with monthly-payment option

PayPal has debuted PayPal Pay Monthly, a buy now, pay later (BNPL) offering issued by WebBank, according to a Wednesday (June 15) press release emailed to PYMNTS. The new offering lets customers space payments over a long period of time, giving them “greater flexibility and even more choices to pay for the items they want […]

PayPal Launches Pay Monthly BNPL Offering

After Apple shook up the Buy Now, Pay Later market with news that it would now be a competitor to established firms, PayPal this morning is introducing another buy now, pay later product to follow the 2020 launch of its “Pay in 4″ installment program. The new offering, PayPal Pay Monthly,” is designed to give […]

PayPal expands its ‘pay later' options with a more flexible ‘PayPal Pay Monthly' service

Expansion of 'Buy Now Pay Later' product suite offers new flexible monthly payments with no late fees in the U.S. SAN JOSE, Calif. , June 15, 2022 /PRNewswire/ -- PayPal Holdings, Inc. (NASDAQ: PYPL) today announced PayPal Pay Monthly1, its newest buy now, pay later offering, issued by WebBank, which gives U.S. consumers the ability to spread payments out over longer periods of time.

PayPal Introduces 'Pay Monthly' to Give Consumers More Choice at Checkout

PayPal Holdings, Inc. (NASDAQ:PYPL ) RBC TMT Conference Call June 14, 2022 1:10 PM ET Company Participants Douglas Bland - Senior Vice President and Head of Consumer Conference Call Participants Daniel Perlin - RBC Capital Markets, LLC Question-and-Answer Session Q - Daniel Perlin So thanks everybody, for joining us today. Again, Dan Perlin, run the FinTech practice here at RBC, and we are delighted to have PayPal joining us today.

PayPal Holdings, Inc. (PYPL) Management Presents at RBC TMT Conference (Transcript)

Over less than 12 months, PayPal has rapidly declined from its highest valuation since becoming an independent company in 2015 to its lowest. The stock now represents an interesting growth-at-a-reasonable-price selection.

Today's Digital Money Bargain: PayPal

GrubHub

Visa

Food delivery platform Grubhub is giving drivers instant access to their wages following a partnership with PayPal and Visa, according to a press release emailed to PYMNTS on Tuesday (June 14).  Instant Cashout via Direct to Debit is enabled by Hyperwallet from Paypal and Visa Direct, Visa's real-time money movement network.

Grubhub Offers Drivers Instant Wages After Partnering With PayPal, Visa

Instant Cashout via Direct to Debit Allows Drivers to Instantly Send Grubhub Earnings to Visa Cards CHICAGO , June 14, 2022 /PRNewswire/ -- Grubhub, a leading food ordering and delivery marketplace, today announced the launch of Instant Cashout via Direct to Debit, which drivers can use to immediately access their earnings. The new payout option, enabled by Hyperwallet from Paypal and Visa Direct 1 - Visa's real-time 2  money movement network - offers more flexible access to earnings by allowing any driver with an eligible bank debit card to deposit their accrued earnings to their eligible debit or prepaid card.

Grubhub Teams Up with PayPal & Visa to Offer Drivers Faster & Easier Access to Payments

While PYPL stock is down 75% in less than a year, long-term investors are likely to look back at today's prices as a screaming bargain. The post The Bottom Appears Near in PayPal Stock appeared first on InvestorPlace.

The Bottom Appears Near in PayPal Stock

Block

With demand for digital payment solutions expected to be strong for years to come, multiple winners will arise. These two innovators driving the future of financial transactions are begging to be bought at current levels.

PayPal or Block?: Both Payment Innovators are Buys

Twilio

PayPal Holdings Inc (NASDAQ: PYPL) has been nothing short of brutal to its shareholders this year, but Karen Firestone says it's come down enough to consider buying the stock here. Firestone's remarks on CNBC's ‘Halftime Report' The Chairman and CEO of Aureus Asset Management has been building a position in the fintech in recent days.

Karen Firestone just bought these beaten down stocks

Upstart Holdings

Wells Fargo

Inflation came in hotter than expected in May.

Why Shares of PayPal, Upstart, and Wells Fargo Are Falling Today

PayPal is still a leader in the fintech space and will continue to be for years to come.

The 3 Reasons to Own PayPal Stock

PayPal Holdings, Inc. (NASDAQ:PYPL ) BofA 2022 Global Technology Conference Transcript June 9, 2022 4:35 PM ET Executives Dan Schulman - President and CEO Analysts Jason Kupferberg - Bank of America Merrill Lynch Jason Kupferberg Well, good afternoon, everybody. I'm Jason Kupferberg, the payments analyst here at Bank of America.

PayPal Holdings, Inc.'s (PYPL) Management Presents at BofA 2022 Global Technology Conference (Transcript)

Historians love to say that those who study one country only end up understanding no country at all. The same wisdom applies to investing.

PayPal And Visa: What's Comparable And What's Not

The fintech industry has been hit hard of late, leaving investors with some promising buying opportunities.

1 Fintech Stock to Buy Right Now With $1,000

PayPal Holdings Inc (NASDAQ:PYPL) said it launched new crypto services to allow users transfer digital currencies from its own platform to other wallets due to increased demand. People can send supported coins – Bitcoin, Ethereum, Bitcoin Cash and Litecoin – to other PayPal users and external addresses, including hard wallets and those linked to alternative exchange accounts.

PayPal allows users to transfer crypto between wallets

PayPal Holdings Inc. will allow its users to transfer cryptocurrency in and out of external wallets, as well as send crypto to friends using its service.

PayPal will let users send crypto to friends, transfer assets to other wallets

Recent PayPal crypto news is likely boosting the payment transfer platform today. PayPal announced adding transfer payments for crypto.

PayPal Crypto News: PYPL Stock Pops as Users Get Ability to Transfer Cryptocurrency

PayPal is an island in crypto no more. The company announced on Tuesday (June 7) that people who hold cryptocurrencies in their PayPal account wallets will now to able to send and receive digital assets via external wallets and exchanges.

PayPal Opens Door to Outside Crypto Wallets

(Reuters) -PayPal Holdings Inc said on Tuesday it will now allow users to transfer cryptocurrencies including bitcoin to external wallets, nearly two years after the fintech giant opened up its platform to digital currencies.

PayPal allows transfer of crypto with external wallets

With the stock down 54% year to date, investors should consider whether it's still worth owning.

Is It Time to Cut Losses in PayPal?

PYPL stock has plummeted from nearly $200 in January to under $90. Don't buy it expecting it to fly back up to its former highs.

PayPal Stock Is Down 54% This Year. Here Are 3 Reasons Not to Buy.

The only move you should make as PYPL stock temporarily trends higher is exit a position. The recovery in PayPal isn't here to stay.

PYPL Stock: Sell Into Strength or Avoid PayPal Entirely

As crypto goes mainstream, this global payments giant could be one of the biggest beneficiaries.

News for PayPal Stock (PYPL)