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

Axcelis Technologies

Adobe

Akamai Technologies

Arista Networks

Celsius Holdings

Perion Network

Searching for undervalued growth stocks takes a bit of extra work, especially in a market that saw many of them surge in the previous year. However, investors who dig for these stocks and remain invested in the long run can outperform the market.

The 7 Most Undervalued Growth Stocks to Buy in January

If PayPal (NASDAQ: PYPL ) were valued like Visa (NYSE: V ), PayPal stock would rise. This could have important implications for PYPL stock investors.

PayPal and Crypto: A Risky Mix or a Winning Formula for PYPL Stock?

Markets are implying that PayPal is a business at the end of its ropes. The stock price currently implies that PayPal will have 0% growth. Growth levers are underappreciated by market participants.

PayPal: Severely Mispriced - Stock Implies Zero Growth

I believe the PayPal buy thesis is centered around the growth of their Venmo Credit Card, which aims to monetize its extensive Venmo user base. The card's unique features and integration with the Venmo app cater well to the preferences of younger consumers, especially Gen Z. PayPal's current stock valuation is significantly lower than its competitors, suggesting room for share price growth based on earnings expansion alone.

PayPal: Venmo Credit Card Is The Key To Growth

Starbucks

Tesla

The 54% gain registered by the Nasdaq 100 in 2023 made it Wall Street's standout index. Two industry-leading businesses with well-defined competitive advantages haven't been this cheap in a long time.

2 Nasdaq 100 Stocks That Are Screaming Buys in 2024 and 1 to Avoid

NVIDIA

Petroleo Brasileiro

Within the great world of markets, there are millionaire maker stocks that have an incomparable trajectory. Despite the passing of the years, these companies continue to improve, innovate and grow in an unstoppable way.

Millionaire Roadmap: 3 Stocks With the Potential to Redefine Your Wealth by 2026

PayPal Holdings, Inc. stock has experienced a significant decline of 84% due to poor management decisions and other factors, but an epic recovery is possible. The appointment of a new CEO is seen as a positive change for PayPal, allowing the company to refocus on profitability and shareholder returns. PayPal's revenue and earnings growth are expected to increase, making its stock undervalued and a strong buy.

PayPal Stock: The Rebound Could Be Epic

Blackrock Inc

Coinbase

Visa

Five crypto-centric stocks to watch are: NVDA, COIN, BLK, V, PYPL.

SEC Changes Rule to Approve Bitcoin ETFs: 5 Stocks to Watch

Fintech stocks had a mixed performance in 2023 as investors embraced a new normal of moderate growth, more competition, and thin margins. Some players like Affirm (AFRM) and Visa (V) jumped while companies like Adyen and PayPal (PYPL) struggled.

PayPal stock price forecast: PYPL is a value investor's dream

CrowdStrike

Orsted AS

Intuitive Surgical

Lucid Group

Palantir Technologies

Snowflake

Artificial intelligence has become an invaluable ally for investors seeking an edge in data-driven markets. By rapidly analyzing vast amounts of information, AI helps investors identify promising opportunities others might overlook.

New AI System Says These 7 Stocks Will Dominate 2024

Global Payments

The Global X FinTech ETF (NASDAQ: FINX ) is up by more than 20% year over year (YOY) for good reason. Although financial technology stocks are procyclical, the industry possesses embedded secular growth.

Q1's Rising Stars: 3 Fintech Stocks for Your Must-Watch List

PayPal Holdings is one of the largest companies in the global digital payments market. The company's aggressive use of a share repurchase program, its policy of cutting operating costs, and year-over-year revenue growth have helped it beat analysts' consensus estimates in recent quarters. PayPal's revenue for the three months ended September 30, 2023 reached $7.42 billion, up 8.3% year-over-year and beating analysts' expectations by $40 million.

PayPal's Comeback Trail: Reshaping The Narrative Amidst Market Doubts

Moderna

Pfizer

Today, identifying investments with promising growth potential is a quest every investor undertakes. Within the loud noises of the stock market, three standout companies are making waves.

Your Path to Wealth: 3 Stocks Predicted to Double Your Investment by 2025

PayPal underwent extreme leadership changes, revenue growth slowed, and profits fell, leading to a lackluster year. The company still has a strong user base, and revenue is at an all-time high, which means things aren't a total loss.

Why PayPal Stock Dropped 14% Last Year in Spite of the Market's Stellar Performance

Keysight

Taiwan Semiconductor Manufacturing

Tech stocks have enjoyed an incredible rally over the past three months. The Federal Reserve seems set to cut rates at some point in 2024.

If You Can Only Buy One Tech Stock in January, It Better Be One of These 3 Names

Allstate

AutoNation

Canaan Inc.

ChargePoint Holdings

Enphase Energy

NIKE

Based on the latest economic print, the Federal Reserve expects a shift in monetary policy, which undergirds certain stocks for a dovish Fed. It really comes down to the return of the normal way of doing business.

7 Hot Stocks That Could Fly if the Fed Goes Dovish in 2024

SoFi Technologies

SoFi is a true banking disruptor with incredible momentum and lots of room to grow. PayPal is doing a great job of maximizing the value of its business and is trading very cheaply.

Got $4,000 to Invest? These 2 Top Fintech Stocks Could Make You Rich in 10 Years.

Block

Fintech stocks have endured quite the fall in recent years. Unlike most tech sectors, many of the market's most innovative fintech stocks remain down and out, barely participating in last year's tech-focused market recovery.

3 Fintech Stocks That Are Redefining Digital Finance

PayPal is a global payment network with millions of active merchants and consumers, generating revenue through transaction fees. The company is expected to see accelerated revenue growth and improved margins, leading to a potential rerating of the stock. Despite concerns about competition and lower growth in customer accounts, PayPal's core business has been growing faster than Apple Pay and Venmo.

PayPal: Too Cheap To Ignore

Rising competition among fintech apps and big tech is impacting PayPal's business. The company's transaction margin has fallen consistently for a year, impacting its ability to grow.

Down 80% From All-Time Highs, Is It Finally Time to Buy PayPal Stock?

PayPal's stock has bounced strongly from October 2023 lows, recent downgrades notwithstanding. While the stock was undoubtedly overvalued in 2021, how much punishment is too much? The company is making smart moves even as revenue continues increasing, with an eye on shareholders.

PayPal: A 2024 Turnaround Story

PayPal (NASDAQ: PYPL ) boasts impressive U.S. adult usage over the past five years. Currently, more than 70% of the adult American population uses this platform, highlighting PYPL stock's strong brand recognition and user loyalty.

Is PYPL Stock a Buy? Here Are 5 Key Factors to Consider.

Morgan Stanley analysts put a $118 price target on PayPal shares -- more than double its current share price. PayPal benefits from a massive lead in digital payments and a strong network advantage.

A Bull Market Is Coming: 1 Phenomenal Growth Stock to Buy Before It Soars 101%, According to a Wall Street Analyst

The new calendar year will be a major transition year for PayPal, characterized by the company's new management team seeking to earn street credibility. In 2024, I expect management to address a contracting user base while pushing for growth outside the company's core ecommerce payment business. Analysts project an 8.6% YoY increase in PayPal's sales and a 12.5% YoY jump in earnings per share for 2024, which I see as reasonable.

News for PayPal Stock (PYPL)