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

It's challenging to find a deal like this in today's stock market that's near all-time highs.

1 Incredibly Cheap Fintech Stock to Buy Now

PayPal's current stock price does not reflect its true market potential, offering investors a rare chance to capitalize on its undervaluation. The company's strategic focus on launching innovative products and initiatives is set to drive substantial profitability growth. With its strong market position and forward-thinking strategies, PayPal is poised for significant upside, making it an attractive investment opportunity.

PayPal: New Products Driving The Profitability Agenda

Chewy

It's always a great time to buy quality stocks.

2 Ultimate Growth Stocks to Buy With $500 Right Now

PayPal reported positive Q3 2024 results, including a 1% growth in active accounts and an increase in its transaction margin to 46.6%, driven by growth in Venmo and Braintree. The fintech raised its 2024 profit forecast slightly and anticipates up to $6 billion in share buybacks, particularly with seasonal eCommerce spending expected to rise amid lower inflation. While PayPal's growth rate lags behind faster-growing competitors like SoFi, its lower profit multiple presents a compelling valuation, especially as it remains a preferred payment platform among merchants.

PayPal: The More Price Drops, The More I'll Buy

We also talk about some lesser-known names trying to follow Berkshire Hathaway's path.

PayPal Looks Beyond Payments

The company still trades far below intrinsic value with a large margin of safety despite the stock's run-up and accounting for a slowdown in growth. Trading slower growth in the short term for a better margin profile is healthy and beneficial to the business, and we can already see the results. By accounting for the risks associated with the ad segment but not including the benefits, we are essentially receiving all the upside from it when it launches for free.

PayPal: Don't Be Fooled By The Sell-Off; This Story Is Becoming Rosier

Investors were underwhelmed with PayPal's projections, despite the company increasing its forecast once again.

PayPal Stock Slips Despite Increased Outlook. Is the Stock a Buy?

PayPal stock was on a roll but its rally was abruptly stopped due to mixed Q3 results. The company missed Revenue estimates mainly due to a change in pricing strategy. However, TPV, earnings, and share buybacks are all at record levels.

PayPal: Just 3 Million Shy Of Making Another Record

SoFi Technologies

SoFi or PayPal? Why Not Own Both Today?

The company has performed relatively well in 2024.

PayPal Stock Gets a Rare Downgrade

PYPL rides on its expanding services portfolio and a strong partner base. However, near-term prospects suffer from challenging macroeconomic conditions.

How Should Investors Approach PayPal Shares Post Q3 Earnings?

Shares of PayPal Holdings Inc PYPL dropped in price on Wednesday after the company reported downbeat third-quarter revenues.

PayPal Shares Tank After Q3 Results, Analysts Say Management Is 'Executing Well' On Re-Alignment Initiatives

I reiterate a ‘Buy' rating on PayPal with a fair value of $96 per share, driven by strong growth in payment transactions and profitability. Key partnerships with industry players and increased Buy Now, Pay Later usage are enhancing PayPal's commerce platform and expanding its ecosystem. PayPal's Fastlane rollout is gaining traction, with over 1,000 merchants adopting the service and large enterprise customers onboarding, promising future growth.

PayPal Q3: Expanding Into Large Enterprise Customers Via Fastlane

PayPal's Q3 report showed mixed results, with strong EPS growth but flat revenue and lackluster holiday quarter guidance, causing stock volatility. The company demonstrated improved fundamentals, including increased transactions per active account and strong cash flow, despite weak revenue growth. PayPal's aggressive strategic partnerships position it for long-term growth, with promising developments in branded checkout and Venmo monetization.

PayPal Q3 Earnings: Mixed Results Don't Change The Bullish Thesis

PayPal shares have surged 37.56% since July, driven by new leadership under CEO Alex Chriss and strategic partnerships, signaling a strong turnaround. Q3 earnings beat EPS estimates by over 12%, despite a slight revenue miss, showcasing durable growth and a focus on quality revenue. Key partnerships with Amazon, Shopify, and Apple enhance PayPal's market position, promising significant growth and mitigating competitive risks.

PayPal Q3: Strong Quarter With Big Partnerships

The initial market reaction to PayPal's Q3 2024 results seems justified on the basis of next quarter guidance. The Q4 guidance aside, active users are back to growth a quarterly basis and margins continue to improve. PayPal's remains attractively priced, both relative to peers and on a free cash flow basis.

PayPal Earnings: The Market Is Worried, But Long-Term Investors Should Not

With its transaction growth rates slowing and less than expected revenue guidance for the balance of the year, PayPal focused on its repositioning from peer-to-peer pioneer to two-sided payments technology platform in its Q3 earnings call Tuesday (Oct. 29).

PayPal Q3: Transaction Volume Up 9%, but Revenue Projections Fall Short

PayPal Holdings (PYPL) shares slumped Tuesday after the payment services provider missed third-quarter sales estimates and gave weak guidance as the company moves ahead with its "price-to-value" strategy.

PayPal Revenue, Outlook Affected by Firm's Price-To-Value Plan

JP Morgan analyst Tien-tsin Huang maintained an Overweight rating on PayPal Holdings, Inc PYPL.

PayPal's Solid Transaction Growth Boosts JP Morgan's Confidence, Yet Q4 Revenue Guidance Dampens Enthusiasm: Analyst

Why Is PayPal Stock Down After a Good Earnings Report?

PayPal Holdings, Inc. (NASDAQ:PYPL ) Q3 2024 Earnings Conference Call October 29, 2024 8:00 AM ET Company Participants Steve Winoker - Chief Investor Relations Officer Alex Chriss - President & CEO Jamie Miller - EVP & CFO Conference Call Participants Darrin Peller - Wolfe Research Tien-Tsin Huang - JP Morgan Ramsey El-Assal - Barclays Jason Kupferberg - Bank of America Dan Dolev - Mizuho Timothy Chiodo - UBS James Faucette - Morgan Stanley Harshita Rawat - Bernstein Trevor Williams - Jefferies Bryan Keane - Deutsche Bank Andrew Schmidt - Citi Operator Good morning, and welcome to PayPal's Third Quarter 2024 Earnings Conference Call. My name is Sarah, and I will be your conference operator today.

PayPal Holdings, Inc. (PYPL) Q3 2024 Earnings Call Transcript

PayPal stock is falling Tuesday after the payments giant reported mixed third-quarter results, but most of Wall Street remains bullish.

Is PayPal Stock Still a Buy After a Revenue Miss?

While the top- and bottom-line numbers for Paypal (PYPL) give a sense of how the business performed in the quarter ended September 2024, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.

Paypal (PYPL) Reports Q3 Earnings: What Key Metrics Have to Say

Paypal (PYPL) came out with quarterly earnings of $1.20 per share, beating the Zacks Consensus Estimate of $1.08 per share. This compares to earnings of $1.30 per share a year ago.

News for PayPal Stock (PYPL)