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

PayPal lowered full year guidance but growth is still expected to pick up in the second half of the year. The company generates robust free cash flows and is aggressively repurchasing stock.

PayPal Stock: 4 Q&As To Help You Decide If It's A Buy Or Sell Now

Coinbase

Lucid Group

Marathon Digital Holdings

Mullen Automotive

Netflix

Roblox

Riot Blockchain

Rivian Automotive

Shopify

SoFi Technologies

Most S&P 500 investors think they're geniuses — until their first crash. Gen Z, which rushed into investing in 2020, might be getting theirs.

12 Horrific Stock Crashes Become Nightmares For Gen Z Investors

Block

StoneCo

Payments companies are being hit especially hard today.

Why Are Block, PayPal, and StoneCo Plunging?

The tech sell-off has created some incredible buying opportunities.

Down 70%, PayPal Is Now a Value Stock

“What do you think of PayPal Holdings Inc (NASDAQ:PYPL), Tim?” I tried my best to actively avoid these kinds of corridor conversations with my old boss.

Paypal Holdings Inc: the big problem with the fintech company

PayPal showed signs of life with its new growth strategy.

This Number Is Why PayPal Is Worth Buying Today

The online payments company has revamped its digital wallet and expanded its range of payment options.

Why PayPal Fell by 24% in April

The fintech leader is down more than 65% from its all-time high -- can recent news turn it around?

Is It Time for Investors to Move on From PayPal Stock?

Investors may have reacted positively to its latest earnings report, but PYPL stock will continue delivering lackluster performance. The post Don't Read Too Much Into PayPal's Post-Earnings Bounce appeared first on InvestorPlace.

Don't Read Too Much Into PayPal's Post-Earnings Bounce

PayPal shares have rebounded 11% since results, but remain 71% below their July 2021 peak, having more than halved in the past year. Q1 results were weak, due to a further loss of eBay volumes and poor macro. 2022 outlook was cut, and 2025 outlook was withdrawn.

PayPal: Q1 Resets Expectations And Points To Bottom

In investing, the more things change, the more they stay the same. This article shares the lessons I learned from American Express when it lost the Costco account, and how these lessons apply to the current PayPal situation.

PayPal: Lessons From American Express Losing Costco

Despite ongoing headwinds, this digital-payments enterprise continues to showcase its massive scale.

There Are 323 Billion Reasons to Like PayPal Stock

Etsy

Spoiler alert: These are great companies with bright futures, even if the stock charts say otherwise.

Should You Buy the Worst-Performing S&P 500 Stocks?

This fintech company is battling a tough macroeconomic environment.

Down 70% From Its High, Is PayPal Stock a Buy Now?

PayPal has lost over $240 billion in value in the past few months. PayPal is no longer a growth stock and that's fine.

PayPal Stock Forecast: Strong Moat And Extremely Cheap

Even bears agree: PayPal is worth 30% more than it costs today.

Why PayPal Stock Popped on Monday

Could the digital payment giant get back to the glory days?

Is PayPal Stock a Buy After Its 50% Crash?

Insurance is not something that's top of mind — until you need it. Pandemics, lockouts and stockouts amid supply chain shutdowns, weather — the unforeseen is inevitable.

PayPal, Aon Bring Real-Time Digital Insurance Access to SMBs

− Unique and simplified digital experience will enable PayPal's small business customers in the U.S. to explore and obtain their insurance in the same ecosystem they use to manage their payments CHICAGO , May 2, 2022 /PRNewswire/ -- Aon plc (NYSE: AON) and PayPal Holdings, Inc. (NASDAQ: PYPL) today announced an initiative to help millions of PayPal's small business customers in the U.S. access insurance simply and quickly. The unique digital insurance program will enable PayPal's small business customers in the U.S. to shop for, purchase and manage insurance coverage through Aon's CoverWallet solution on the PayPal Commerce Platform, online and in minutes.

Aon and Paypal to Expand Access to Insurance for Small Businesses

PayPal delivered an underwhelming Q2 guide, lowered its FY22 outlook, and pulled its medium-term forecasts. Yet, the stock didn't crash. Notably, PayPal stock reached its COVID bottom for its spectacular reset. Therefore, we could have seen the bottom in PYPL stock.

PayPal Stock: Boom And Bust Reset

I rate shares as a BUY with a fair value of $95.13/share (an average value across my 3 scenarios) which implies a discount of 8% vs the current price of $87.93. I believe that the current company's TAM is close to ~$4T in addressable volumes and it will more than double by 2030.

PayPal: Get Ready For $8T TAM Opportunity

PayPal, Netflix, and Shopify stocks have suffered swift sell-offs.

News for PayPal Stock (PYPL)