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

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Earnings data Q4 2021

Earnings data Q1 2022

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Earnings data Q3 2022

Earnings data Q4 2022

Earnings data Q1 2023

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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

The new CEO has released a not-so-shocking video of the upcoming innovations being released this year at PayPal. While these are a step in the right direction. I am not yet sold on the CEO or the vision. Having said that, PayPal's valuation is compelling, offering potential for investment with a margin of safety.

PayPal: Shocked In A Bad Way

Alibaba

Lovesac Company

Starbucks

Despite rallying 43% in 2023, the Nasdaq Composite remains 4% below its record-closing high, set in November 2021. Notable declines in the major stock indexes (including the Nasdaq) have always offered phenomenal buying opportunities.

4 Spectacular Growth Stocks You'll Regret Not Buying in the Wake of the Nasdaq Bear-Market Dip

Baidu

Enphase Energy

StoneCo

AT&T

Verizon

Identifying the blue-chip stocks that promise exponential growth is akin to uncovering hidden treasure in the financial markets. In this pursuit of wealth multiplication, seven entities stand out as the growth titans, poised not merely to safeguard your investments but to triple them by 2027.

7 Blue-Chip Stocks to Triple Your Wealth by 2027

PayPal Holdings is one stock that has not participated in the tech rally. The company faces real competitive threats from the likes of Apple Pay. Wall Street may be underestimating the strength of PayPal Holdings' unbranded processing engine in Braintree.

PayPal 'Shocks The World,' But Other Catalysts Are In Motion

Dan Schulman, a new breed of CEO, has done some astonishing things at PayPal.

PayPal Thrives As Its Employees Thrive

A failed Innovation Day sent PayPal (NASDAQ: PYPL ) stock down almost 4% on Jan. 25. Investors were told to see the event as a catalyst for higher stock prices.

PYPL Stock Dips After PayPal Failed to ‘Shock the World' at Its Innovation Day

The stock price of payment giant PayPal (NASDAQ: PYPL)  continues to face significant pressure, losing considerable value as the new management strives to revive the company's fortunes.

US politician suspiciously offloads huge amount of PayPal (PYPL) stock

PayPal Holdings, Inc. (PYPL) First Look Transcript

SoFi Technologies

Block

Financial technology (fintech) has seen healthy adoption over the last decade. An entire generation of teenagers is not thinking twice about going cashless as they can exchange money with friends with just a few taps on their phone.

3 Fintech Stocks Set to Ride Regulatory Changes Higher

PayPal is introducing what it terms a “reimagined checkout experience” that will reduce checkout times by as much as 50%. In addition, it's using artificial intelligence (AI) to craft personalized recommendations to consumers and has also announced cash-back offerings that CEO Alex Chriss said will “revolutionize commerce.

PayPal Rolls Out One-Click Checkout, Personalized Offers and ‘Smart Receipt' Features

PayPal Holdings Inc. Chief Executive Alex Chriss says the problems with checkout that the online-payments pioneer set to solve years ago have “really been solved” now.

PayPal CEO sees ‘huge monetization opportunity' after revamp, but stock drops

Company introduces reimagined checkout and guest checkout experiences, new advanced offers platform for merchants, and new consumer app to earn cash back and give customers more reasons to shop with PayPal New Venmo enhancements enable local small businesses to be discovered and grow SAN JOSE, Calif. , Jan. 25, 2024 /PRNewswire/ -- PayPal Holdings, Inc. (NASDAQ: PYPL) today announced six new innovations the company is piloting and bringing to market this year to revolutionize commerce through artificial intelligence (AI) driven personalization for both merchants and consumers.

PayPal and Venmo Unveil Six New Innovations to Revolutionize Commerce

PayPal is launching new artificial intelligence-driven products as well as a one-click checkout feature, the company said on Thursday as its chief executive tries to inject new life into the payments giant.

PayPal to launch AI-based products as new CEO aims to revive share price

PayPal announced today that it will begin piloting a few new upcoming updates to its service, some of which will leverage AI-driven personalization. The company is introducing a new “CashPass” cash back offering, “Smart Receipts” with personalized recommendations, enhanced checkout and guest experiences, Venmo enhancements for small businesses and a new offers platform for merchants.

PayPal to pilot new AI-powered updates, including a cash back feature and ‘Smart Receipts'

Green Thumb Industries Inc.

Realty Income Corp

PayPal's low valuation and industry dominance suggest the stock is deeply undervalued. If interest rates come down, it could be off to the races for Realty Income.

A Bull Market Is Here: These 3 Growth Stocks Could Be Big Winners

Under the leadership of new CEO Alex Chriss, PayPal has the potential to undergo a transformation, with a strong focus on profitable growth. Venmo has the potential for generating substantial revenue for PYPL. Currently, PYPL's trading multiple is about 12x forward P/E, which provides a good entry point.

PayPal: Good Time To Own The Stock

A nearly 4,500,000% aggregate return in Berkshire Hathaway's Class A shares (BRK.A) since the mid-1960s has earned the Oracle of Omaha quite the following on Wall Street. Thanks to an acquisition 26 years ago, Berkshire Hathaway owns a specialty investment company that's effectively become Warren Buffett's "secret" portfolio.

The 1 Stock in Warren Buffett's "Secret" Portfolio That's a Screaming Buy in 2024

In the latest trading session, Paypal (PYPL) closed at $64.78, marking a +1.63% move from the previous day.

Paypal (PYPL) Outperforms Broader Market: What You Need to Know

PayPal has undergone a major management overhaul, and the new CEO has his work cut out for him. The company's stock is historically cheap, with low valuations compared to its past performance and expectations for future earnings growth. Despite recent troubles, PayPal's new management team and attractive valuation create a compelling long-term case for the stock.

PayPal: The Time Is Now

PayPal is a dominant player in the rapidly expanding digital payment processing sector. The new management is poised to orchestrate a strategic comeback. The current valuation of the stock presents an excellent value proposition.

Beyond The Downturn: Analyzing PayPal's Inherent Value And Comeback Potential In 2024

Its new CEO says the company has been distracted by acquisitions and low-margin opportunities. He says that PayPal should focus on innovation, and he plans soon to unveil steps driven by AI.

PayPal Stock Rises More Than 10% in a Week After New CEO Alex Chriss Promises That the Company Will "Shock the World"

PayPal's stock surged nearly 15% after a candid interview from new CEO Alex Chriss aired last Wednesday, who expressed excitement about future innovation and AI. Despite recent analyst downgrades and rising competitive pressures, PayPal's business fundamentals remain strong, with healthy sales and earnings growth, robust cash flow generation, and a positive net cash balance. At ~12x P/E, PayPal is a robust compounder priced at a sizeable discount. But, is it a value trap? Read on to find out!

The PayPal Dilemma: Value Trap Horror Or Investment Bliss?

PayPal emerged from the pandemic as a big winner, and the stock price carried a lofty valuation. New CEO Alex Chriss will work to improve its small and medium-sized business offerings as it aims to improve its profit margins, which have fallen in recent years.

Here's Why PayPal Is a No-Brainer Value Stock

Alibaba is a cornerstone of China's digital economy, but the stock trades at an absurdly low valuation. PayPal's 430 million customer and merchant partners provide a wide net to capture a sizable share of e-commerce spending.

2 Bargain Stocks That Could Make You Richer by 2030

Intraday price action often doesn't tell the entire story when it comes to specific stocks. That's a narrative I think probably describes PayPal (NASDAQ: PYPL ) stock well today.

News for PayPal Stock (PYPL)