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

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Earnings data Q1 2022

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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

The CEO's speech at the BofA Conference yesterday has infused optimism by reiterating a commitment to enhance offerings and drive innovation. PayPal's new digital advertising venture holds significant potential due to the vast industry size; even a small market share could greatly boost revenue. Valuation analysis shows a fair share price estimate of $74 with a compelling 17% upside potential.

PayPal: Expansion Into Digital Advertising Is Smart

PayPal Holdings Inc. shares haven't had an easy go of things in recent years, but the stock is seeing momentum in Thursday's session.

Why PayPal's stock is cruising toward its best day since January

SentinelOne

Snap

Tech stocks have continued to drive the bulk of the market's gains over the past two decades, and I think the trend will remain in place over the coming decades. We have many catalysts, like AI, quantum computing, and other breakthrough technologies, that could reshape the world.

3 Hot Tech Stocks Poised to Quintuple by 2027

PayPal Holdings, Inc. (NASDAQ:PYPL ) BofA Global Technology Conference June 5, 2024 4:20 PM ET Company Participants Alexander Chriss - President and CEO Conference Call Participants Jason Kupferberg - BofA Global Research Jason Kupferberg I'm Jason Kupferberg, the payments processors and IT services analyst here at Bank of America and we're very excited to have with us for the first time, Alex Chriss, President and CEO of PayPal. As most of you know, Alex joined last year.

PayPal Holdings, Inc. (PYPL) BofA Global Technology Conference (Transcript)

Broadcom

ZoomInfo Technologies

Over the past two years, you couldn't go wrong investing in Nvidia (NASDAQ: NVDA ). The stock that is today synonymous with the artificial intelligence (AI) revolution returned nearly 800% for shareholders since OpenAI‘s generative AI chatbot ChatGPT was introduced.

Billionaires Are Selling Nvidia and Buying These 3 Stocks Instead

Over the last several months, PayPal has launched new products and services to help ignite growth. It appear to be paying off as PayPal's transaction margin has reached its highest level in a year.

Don't Call It a Comeback: The Best Is Yet to Come for PayPal. Here's Why.

American Express

Visa

The pandemic-driven transition from cash to digital payments has brought about a significant change in the financial services industry, and this change is here to stay. The global financial sector is going through a shift as people move from cash to online payments, increased card usage, and mobile banking.

3 Financial Services Stocks to Buy and Hold for the Long Haul

Occasionally I get new insights while listening to audiobooks on morning runs. I was recently listening to Chapter 6 of Tony Robbin's "Master the Money Game,"entitled“Invest like the .001%," in which he describes meetings with renowned financial geniuses.

Using a 200-Day Moving Average to Evaluate PayPal

PayPal has a chance to change payments as we know them.

This Hidden Announcement Is Massive News for PayPal

Out of all the bullish calls I've made in 2024 so far, this will be one of the most confident. PayPal (NASDAQ: PYPL ) is a fintech firm with major growth potential, and PayPal stock is so far below its peak price that it's ridiculous.

PayPal Stock Prediction: $90 Will Be Nice and Easy

Teladoc

Zoom Video

Home run hitters tend to also have a lot of strikeouts. Swinging for the fences means you're going to miss a lot of balls, too.

The 3 Most Undervalued Cathie Wood Stocks to Buy in June 2024

MPLX

These stocks look cheap despite their excellent long-term opportunities.

2 No-Brainer Stocks to Buy in June

CVS Health

Dollar General

Estee Lauder

Five Below

Southwest Airlines

Newell Brands

The current market rally has been very disproportionate and has been dominated by Big Tech. Many top technology companies with the largest market capitalizations have made significant rebounds since mid-2022.

7 Deeply Discounted Stocks With 100%+ Upside Potential

Pfizer

Warner Bros Discovery Inc

Due to their robust financial and strategic approaches, these three equities are all seeing notable progress in their respective industries. Recent financial results for the first one show robust revenue growth and enhanced gross margins, underpinned by efficient cost control.

3 Discounted Stocks Poised for a Major Upswing

Austin, PayPal has been a darling, and let's face it, a dog in the market. It was soaring during COVID and crashing under a pretty bloated cost structure and slow growth, but hope springs eternal in the market and there is a new CEO at the helm and they're shaking things up.

PayPal Becomes an AI, and Ad Company

PayPal stock is down because its growth and profits are struggling. The company is taking a page from Uber's playbook -- a page that played a part in its dramatic turnaround.

Still Down 80%, Did PayPal's Management Just Make a Big Move That Investors Will Regret Not Noticing Sooner?

PayPal's growth rate has slowed and its branded business has been weak. Mizuho believes its new Fastlane product could help drive a recovery.

1 Wall Street Analyst Thinks PayPal Is Going to $90. Is It a Buy?

Shares of PayPal Holdings Inc. NASDAQ: PYPL have been gaining momentum lately and are now trading at 82% of their 52-week high prices. Following this momentum, analysts at Mizuho Financial saw it fit to boost the stock's price target up to $90 a share, where they previously saw a $68 valuation.

PayPal Has a New Growth Road Ahead For Investors, Ready to Rally?

PayPal is down by about 80% from its all-time high. The company has an entirely new management team that's just getting started.

1 Dirt Cheap Stock I Can't Stop Buying

Down 80% from its 2021 peak during the pandemic, PayPal (NASDAQ: PYPL ) stock is in long-term decline and not worth risking capital on. The switch to online commerce during the pandemic temporarily boosted PayPal's stock price, ending a decade long struggle.

PayPal Stock Warning: Avoid This Sinking Ship as Market Share Plummets

Robinhood

JPMorgan Chase & Co

Nu Holdings

SoFi Technologies

The fintech industry is filled with promising stocks that challenge the way we look at finances. Some of these firms offer more competitive rates and terms than traditional banks.

Fintech's Finest: 7 Stocks to Buy for the Future of Finance

Paypal (PYPL) reported earnings 30 days ago. What's next for the stock?

Why Is Paypal (PYPL) Down 7.7% Since Last Earnings Report?

Digital payment platform PayPal Holdings Inc (NASDAQ:PYPL) is up 3.4% at $63.13 at last glance, after an upgrade from Mizuho to "buy" from "neutral.

PayPal Stock Rises on Mizuho Upgrade

Mizuho Securities analysts led by Dan Dolev upgraded shares of the payments company after downgrading them in January.

PayPal Has Big Dreams. A New Wall Street Bull Buys the Vision.

Mizuho analyst Dan Dolev moved to the sidelines on PayPal shares earlier this year, but now he's back in the bull camp.

News for PayPal Stock (PYPL)