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

Carnival

JetBlue Airways

JD.com

Joby Aviation

Lasertec Corp

Snap

The stock market has been a tale of two worlds in the post-pandemic era. On one side, you have many stocks that languished and traded sideways for what feels like an eternity.

7 Undervalued Stocks With 500% Upside Potential After Coming Rate Cuts

PYPL remains substantially undervalued, despite another strong quarterly earnings report, an upward guidance revision, and several other favorable developments. The stock market is a voting machine in the short term, and it appears that the market's sentiment is substantially lagging behind PayPal's rapidly improving fundamentals. My discounted cash flow model indicates that the current valuation is an exceptional opportunity.

PayPal: The Market Is So Wrong

We've also got a look at the life cycle of companies.

Did You Catch the Good News From PayPal?

Caterpillar

Chipotle

Dick's Sporting Goods

Coca-Cola

Pfizer

Palantir Technologies

Markets are in turmoil as the selloff in mega-cap technology stocks that began in July accelerates. On Aug. 5, the mega-cap tech companies known as the “Magnificent Seven,” generally considered among the best stocks to buy, lost a combined $1 trillion of value amid a global stock market rout.

The 7 Best Stocks to Buy in August 2024

PayPal's earnings results included stabilized margins, accelerating engagement, and guidance raises. The stock trades at just 15 times its estimated 2024 earnings.

Is PayPal Stock a Buy?

Cigna

Celestica

Since July 16, volatility in the markets has increased. Stocks have entered correction territory, with the Nasdaq 100 down 13% from its peak.

The 3 Best Bargain Stocks to Buy in August 2024

Global Payments

Block

Payments innovation is all around us, and its importance in digital transformation cannot be overstated. The post-pandemic landscape has seen an acceleration toward a cashless society at a rapid rate.

The 3 Best Digital Payment Stocks to Buy in August 2024

PayPal has benefited from e-commerce growth but is facing headwinds due to increased competition in the digital payments industry. Despite strong Q2 earnings, user growth is declining, and the company's product mix is inferior, underpinning cracks. A blended P/E of 12.9x is cheap in today's pricey market, yet I see no valuation expansion with negative EPS growth in FY24.

PayPal's Stock Is Dead Money, At Best

Mizuho analysts are upbeat on the launch of the Fastlane one-click guest checkout system.

PayPal on a ‘Fast Track' to Better Margins With New Guest Checkout System

A More Seamless Consumer Experience that can help Increase Conversion and Sales SAN JOSE, Calif. , Aug. 6, 2024 /PRNewswire/ -- PayPal Holdings, Inc. (NASDAQ: PYPL) today announced that Fastlane by PayPal is now available for U.S. businesses of all sizes, helping to increase their sales and drive customer loyalty in time for the upcoming holiday shopping season.

Fastlane by PayPal Enables a faster, simpler Guest Checkout Experience

Nu Holdings

Visa

The fintech world is buzzing, blending finance and tech in ways we've only dreamed of, with some amazing fintech stocks that savvy investors can consider. Despite economic downturns and regulatory challenges, the fintech industry has constantly evolved, proving its ability to stand the test of time.

3 Must-Have Fintech Stocks for Smart Investors

PayPal's Q2'24 results showed strong account growth, and the Fintech raised its outlook for free cash flow and stock buybacks. The Fintech added 1.8M customers to its payments platform in Q2 and reported double-digit growth in transactions per active account. PayPal generated $1.1B in free cash flow in the last quarter.

PayPal: Hard Not To Love At This Price

UiPath

Procore Technologies

PayPal's turnaround story is starting to play out. UiPath's one stumble caused the stock to fall.

3 No-Brainer Stocks to Buy Right Now for Less Than $100

PayPal stock is trading down 80% from all-time highs but still growing revenue quickly. Its profits and margins are climbing again.

Is PayPal Stock Ridiculously Cheap?

Mastercard

Visa has grown for years, and that's likely to continue. PayPal's current valuation makes no sense, given its strong fundamentals.

3 Payments Stocks That Are Screaming Buys in August

PayPal is 79% below its all-time high price of $310 per share. The company is undergoing a transition year under its new CEO.

Is PayPal a Value Stock or a Value Trap?

PayPal reported strong Q2 earnings and once again increased its guidance. Importantly, its transaction margin dollars, a recent area of weakness, showed strong growth.

PayPal Shares Jump on Strong Guidance. Is It Too Late to Buy the Stock?

PayPal's Q2 results show revenue growth, margin improvement, and strong net income, supporting my bullish thesis. It looks like PYPL now focuses less on new users and more on greater utilization by existing users. The company's EPS should grow at a CAGR of 10.7% over the next 6 years, while the stock is priced at 14x FY2024 earnings.

PayPal Stock's Turnaround Should Keep Going

PayPal grew revenue and profits in its most recent quarter. The company's Braintree product helped its profits improve for the first time in two years, which hopefully is the start of a new trend.

Why PayPal Stock Jumped 13% Last Month

Automatic Data Processing

Gilead Sciences

The growth and tech-heavy Nasdaq 100 index is in something of a significant correction at the moment. After hitting new all-time highs early in July, the benchmark Invesco QQQ ETF (NASDAQ: QQQ ) has already pulled back close to 10% from its recent peak.

Q3's Rising Stars: 3 Nasdaq Stocks for Your Must-Watch List

PayPal just reported a triple-beat on Q2 earnings — sending shares higher. Even so, PayPal stock is still down 80% from its peak. In this article, I highlight eight reasons why PayPal is a strong buy at current levels.

Eight Reasons To Buy PayPal

Western Union

PayPal's revenue growth rates are down from 2021 levels but are still robust. Western Union's top line is struggling, but its earnings may have stabilized.

PayPal vs. Western Union: Which Value Stock Is a Better Buy?

PayPal grew its revenue and margins in the second quarter. The stock is still off 80% from highs set in 2021.

PayPal Stock Is Soaring This Week. Here's Why

JPMorgan Chase & Co

SoFi Technologies

Investors continue to seek out top financial stocks to buy, as the macroeconomic winds appear to be shifting. Federal Reserve chairman Jerome Powell all but served up a rate cut in September on a golden platter on Wednesday at the highly-anticipated Q&A session following the July interest rate session.

3 Financial Stocks to Buy in August and Add on Dips

Advanced Micro Devices

Microsoft

Major technology companies needed strong Q2 earnings. In the lead-up to the first prints of the mega-cap tech names, the Nasdaq Composite index tanked, declining more than 2% in a single day and worsening the rotation out of technology stocks that have been ongoing since the year's second half began in July.

News for PayPal Stock (PYPL)