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

AeroVironment

Boeing

Marsh & McLennan

UnitedHealth Group

Visa

If you're reading this article title and thinking I must be delusional to talk about “the mother of all bull markets” in this environment, I don't blame you one bit. However, the picks I'll be discussing today are stocks I believe are well-positioned for the next major market upswing whenever it eventually arrives.

7 Must-Own Stocks Before the Mother of All Bull Markets

Alliance Resource Partners

Brookfield Renewable Partners

Bristol-Myers

British American Tobacco

Blackstone Secured Lending Fund

Dow Inc

Everest Group Ltd

Euroseas

Expedia

Blackrock Floating Rate Income Strategies Fund Inc

Frontline

Primis Financial Corp.

Harrow Health Inc

Medical Properties Trust

Noble Corp PLC

Newtek Business Services

NewLake Capital Partners, Inc.

NVIDIA

Nexstar Media Group

Patria Investments

Petroleo Brasileiro

Provident Financial Services

Papa John's

Sachem Capital

I have a diversified portfolio of stocks, funds, and bonds. My stocks are primarily dividend paying value stocks. One can find dividend stocks with superior estimated total returns by comparing their return drivers – earnings growth, dividend yield and valuation - to historic trends. This article compares the earnings growth, dividend yield, current valuation, and estimated future return of 53 stocks.

Don't Buy AI Stocks, Buy The Best Dividend Total Return Stocks

Arista Networks

Northern Oil and Gas

In the most anticipated week of the Q2 earnings season, several top-rated Zacks stocks are standing out after exceeding their quarterly top and bottom line expectations on Tuesday.

3 Standout Stocks of This Week's Busy Earnings Lineup

Apple

Deckers Outdoor

Disney

Novo Nordisk

Pfizer

Catalysts are forming around a lot of the top stocks right now, making this a good time for investors to buy. Many companies are seeing a boost in their share price following strong earnings reports.

The Top 7 Stocks to Buy Now: Summer 2024

PayPal's (PYPL) second-quarter results benefit from growing transaction revenues.

PayPal (PYPL) Q2 Earnings Beat Estimates, Revenues Rise Y/Y

PayPal Holdings Inc PYPL shares were climbing in early trading on Wednesday, despite the company reporting upbeat second-quarter results.

PayPal Shifts From 'Pricing Led Growth To Product Led Growth': 6 Analysts' Insights About Q2 Performance

Over the past few years, PayPal has struggled under the weight of economic headwinds. The company's person-to-person payments business has finally returned to growth.

Is PayPal Stock Going to $95? 1 Wall Street Analyst Thinks So

PayPal shares surge on upbeat Q2 results and guidance. These ETFs should benefit.

PayPal Surges Post Q2 Earnings: ETFs in Focus

PayPal delivered a top and bottom line beat in Q2, with revenue exceeding estimates by $80 million and non-GAAP revenue topping expectations by $0.20. Despite negative sentiment, PayPal continues to grow revenue and profitability, defying the narrative that it is a dying company. PayPal's increased buybacks and profitability in Q2 signal a strong future, with potential for shares to trade between $80 - $100.

PayPal's Q2 Earnings Should Trigger A Flurry Of Upgrades After Increased Buybacks

When investors think of stocks worthy of a second look or even a percentage allocation of their hard-earned capital, the technology sector and its run for artificial intelligence growth might come to mind first. However, not all stocks in the sector are made equal.

PayPal Earnings Reveal Undervalued Stock: Here's the Scoop

As PayPal embarks on an ambitious turnaround strategy to revitalize growth after a post-pandemic slump, Wall Street analysts expressed some caution over competition from big-tech and beyond.

Persistent competition likely to keep pressure on PayPal, analysts say

PayPal stock has responded favourably to the company's robust Q2 earnings beat and raise. Consistent profit margin expansion, paired with better-than-expected growth, during 1H24 despite seasonality headwinds represent a strong set-up for PayPal's "transition year". PayPal's upcoming Fastlane general availability and its continued execution on a SMB penetration strategy through PPCP are expected to be additive near-term growth drivers.

Here's Why We're Scaling Back After PayPal's Q2 Earnings Beat And Raise

PayPal Holdings, Inc. shows progress in combating account losses, with double-digit growth in total payment volume and increased profit, free cash flow, and share repurchase guidance for 2024. Despite account challenges, positive investor sentiment following 2Q24 results led to a stock classification change to “Buy.”. PayPal's stable operating margins, cost restructuring, and increased profit forecast for 2024 suggest potential for margin expansion and stock re-rating.

PayPal: Breakout Might Be Imminent (Upgrade)

If the global consumer is showing signs of cutting spending, PayPal didn't get that email. The digital payments and peer-to-peer platform on Tuesday (July 30) posted better than expected Q2 earnings and doubled down with increased revenue estimates for the rest of 2024.

PayPal Boosts Revenue Forecasts With New SMB Features and Partner Collaborations

Adjusted EPS of $1.19 significantly exceeding analyst estimates of $0.99. Quarterly net revenue reached $7.9 billion, surpassing estimates of $7.82 billion.

PayPal's Q2 Revenue, EPS Surge

PayPal grew revenues better than expected and is repurchasing more shares than planned. The company's margins are improving, which suggests that the business is stronger than some investors feared.

Why PayPal Stock Finally Popped Today

PayPal Holdings (PYPL) shares shot higher Tuesday after the electronic payment service posted better-than-anticipated results and boosted both its guidance and stock buybacks on strong transaction gains.

PayPal Lifts Outlook and Stock Buybacks on Transactions

PayPal Holdings, Inc. (NASDAQ:PYPL ) Q2 2024 Earnings Conference Call July 30, 2024 8:00 AM ET Company Participants Steve Winoker - Chief Investor Relations Officer Alex Chriss - President, CEO Jamie Miller - EVP, CFO Conference Call Participants Ramsey El-Assal - Barclays Darrin Peller - Wolfe Research Tien-Tsin Huang - JP Morgan Harshita Rawat - Bernstein Colin Sebastian - Baird Sanjay Sakhrani - KBW Dan Dolev - Mizuho Timothy Chiodo - UBS Jason Kupferberg - Bank of America James Faucette - Morgan Stanley Andrew Schmidt - Citi Operator Good morning and welcome to PayPal's Second Quarter 2024 Earnings Conference Call. My name is Sarah and I'll be your conference operator today.

PayPal Holdings, Inc. (PYPL) Q2 2024 Earnings Call Transcript

PayPal Holdings Inc (NASDAQ:PYPL, ETR:2PP) reported strong financial results for the second quarter of fiscal year 2024, surpassing market expectations with significant increases in both revenue and earnings per share (EPS). Total payment volume grew 11% year-over-year on a foreign exchange-neutral basis, reaching $417 billion.

PayPal exceeds Q2 expectations with strong revenue and EPS growth

Although the revenue and EPS for Paypal (PYPL) give a sense of how its business performed in the quarter ended June 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.

Compared to Estimates, Paypal (PYPL) Q2 Earnings: A Look at Key Metrics

PayPal Holdings Inc (NASDAQ:PYPL) stock is up 8.8% at $64.13 at last glance, headed for its best day since November 2022, after the company's better-than-expected second-quarter results and positive 2024 forecast.

PayPal Stock Eyes Best Day in Years on Beat-and-Raise

Execution is key; the stock will eventually follow.

News for PayPal Stock (PYPL)