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

Paypal (PYPL) Up 10.7% Since Last Earnings Report: Can It Continue?

Mollie and PayPal have teamed up to deliver payment solutions for marketplace platforms in the European Union (EU) and the United Kingdom. With their new strategic collaboration, Mollie will include PayPal as one of the payment options it offers to these marketplaces, the companies said in a Tuesday (Nov. 26) press release.

Mollie and PayPal Partner on Payment Solutions for Marketplace Platforms

Paypal (PYPL) has received quite a bit of attention from Zacks.com users lately. Therefore, it is wise to be aware of the facts that can impact the stock's prospects.

Investors Heavily Search PayPal Holdings, Inc. (PYPL): Here is What You Need to Know

I maintain my "Buy" rating for PayPal thanks to its undervaluation, strategic turnaround success, and strong medium-term growth prospects despite competitive and macro pressures. Q3 FY2024 earnings showed 9% YoY TPV growth, 6% revenue growth, and 22% non-GAAP EPS growth, driven by mobile checkouts and strategic acquisitions. PayPal's innovations like Fastlane and PayPal Everywhere, along with Venmo's growth, highlight its efforts to enhance consumer and merchant experiences.

PayPal Stock: The Upside Looks Massive

Long before there was Venmo and Cash App, there was PayPal Holdings, Inc.

PayPal (PYPL) Price Prediction and Forecast 2025-2030

PayPal's (PYPL 2.30%) stock has rallied 41% this year as the digital payments leader has attempted to put its struggles behind it under a new CEO. Is it still worth investing in anticipation of a long-term recovery?

Should You Buy PayPal Stock While It's Below $87?

PayPal's robust YTD performance underscores its successful transformation cadence, as observed in the growing active users and improved bottom-lines. If anything, we expect the management to deliver an outsized FY2024 performance while offering a promising FY2025 guidance. Its long-term prospects appear to be excellent as well, with Braintree already bottom-line accretive and the management forging strategic partnerships with leading global commerce players.

PayPal: Near Doubling Upside Still Possible (Reiterate Buy)

Up 25% in the Past 3 Months, Is PayPal Stock a No-Brainer Buy That Can Double in 5 Years?

Apple

Block

Some digital services look like banks, act like banks, but aren't banks — meaning they can, for instance, close down your account without notice. Or be difficult to contact when you want to dispute fraud.

Apple Pay, Cash App, PayPal and other apps to be treated more like banks

PayPal experienced a global outage that affected multiple products for about two hours Thursday (Nov. 21). The incident lasted from 10:53 UTC to 12:59 UTC Thursday, the company said on its status page.

PayPal Resolves 2-Hour Global Outage Affecting Multiple Products

The Consumer Financial Protection Bureau on Thursday issued a finalized version of a rule saying it will soon supervise nonbank firms that offer financial services likes payments and wallet apps. That would include services from Apple and Google, as well as payment firms like PayPal and Block.

CFPB expands oversight of digital payments services including Apple Pay, Cash App and PayPal

San Jose-based tech giant said that the outage "may be affecting multiple products in our Production environment."

PayPal hit with ‘system issue' as outage affects merchant payments

Payments firm PayPal is facing a system issue that may be affecting multiple products, it said on Thursday.

PayPal says system issue affecting multiple products

PayPal will begin letting its disbursement partners use PayPal USD to settle cross-border money transfers. The new service is offered through PayPal's Xoom cross-border payments business, according to a Tuesday (Nov. 19) press release.

PayPal's Xoom to Begin Allowing Cross-Border Stablecoin Payments

Alphabet

2 Stocks That Could Crush the Market in 2025

Here is What to Know Beyond Why PayPal Holdings, Inc. (PYPL) is a Trending Stock

Shares of the fintech enterprise have surged in the past few months.

3 Things You Need to Know If You Buy PayPal Stock Today

PayPal customers can easily collect and manage funds with friends and family for things like group gifts, travel, special events, and more in the PayPal app. SAN JOSE, Calif.

PayPal Unveils Innovative Money Pooling Feature, Simplifying Group Expenses Between Family and Friends

Despite mixed 3Q FY2024 earnings, PayPal's stock rebounded, likely due to a broader market rally fueled by expected fintech deregulation under Trump's administration. 3Q revenue missed estimates due to weak unbranded volume from Braintree and a lower transaction take rate, with YoY earnings growth expected to be negative in 4Q. While transaction margin dollars YoY growth accelerated in 3Q, the company expects similar momentum in FY2025, with modest headwind anticipated from the rate-cut cycle.

PayPal: Expecting Sharp Growth Slowdown Amid Weak Volume And Declining Take Rate (Rating Downgrade)

Although PYPL's cheap valuation is noteworthy, lower Braintree volume and revenue growth in the near term, as well as higher expenses, are headwinds.

PayPal Trading Lower Than Industry at 17.91X PE: Buy, Hold or Sell?

PayPal's Q3 earnings exceeded EPS expectations. The Fintech saw growth in active accounts, reversing a six-quarter decline. The Fintech generated $1.5B in free cash flow, showing 35% Q/Q growth, and expanded its free cash flow margin to 20%. Total payment volume is driven chiefly by branded and unbranded checkouts. Transactions per account are also growing, indicating robust platform engagement.

PayPal: Account Growth Is At An Inflection Point

PayPal's latest results show that management's efficiency efforts are paying off.

Here's Why Investors Shouldn't Worry About PayPal's Slow User Growth

PayPal stock price rally has stalled even as American equities surged and the company published strong financial results. The PYPL share price jumped to $81.35 on Thursday, a few points below the year-to-date high of $83.71.

PayPal stock price analysis: the sky is the limit for PYPL?

PYPL's technical target is revised to $96 by year-end, supported by recent earnings momentum and alignment with key Fibonacci levels. PayPal's transaction volume grew by 1.47 billion from Q1 2022 to Q3 2024, showing stable user growth and engagement. EPS increased 146% from Q1 2022 to Q3 2024, reflecting effective cost management and improved profitability margins.

Following Q3 Results, PayPal's Path To $96 Is Clear

We're upgrading PayPal after Q3 FY24 earnings results and outlook pulled back the stock. Q3 results show promising profitability shift, with transaction margin growing to 46.6% and profits up 14% Y/Y, confirming management's on the right track for profitable growth. PayPal also remains cheap relative to the peer group.

News for PayPal Stock (PYPL)