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

SoFi Technologies

Block

Are some fintech stocks too cheap to ignore right now?

PayPal, SoFi, Block, and Other Fintech Stocks Got Dealt a Devastating Blow

Affirm

Worldline SA/France

Shares of Affirm Holdings (AFRM), Block (SQ) and PayPal Holdings (PYPL) tumbled Wednesday and continued their downward moves in pre-market trading Thursday after a French financial tech firm warned about customer spending.

Shares of Affirm, Block, and PayPal Drop as Worldline Warns About Consumer Spending

Payment stocks have come under pressure despite good news from Visa.

PayPal and Square Face a Moment of Reckoning After the Worldline Panic

PayPal is quickly becoming sidelined by other fintechs such as SoFi, Block, and Adyen. While competition is ripe, PayPal has several unique assets in its portfolio that are not operating at full potential.

PayPal Stock Still Has Plenty of Upside. Here's Why.

Disney

Verizon

For this article, I used Microsoft's AI Chatbot, Bing, for help in finding AI stock predictions. As someone of a certain age, this reminds me of the pre-internet days when you might have to go to a librarian and ask for help with research.

I Asked AI for 3 Stocks to Buy. Here's What It Recommended

ATLANTA--(BUSINESS WIRE)--UPS (NYSE: UPS) announced today that it has entered into an agreement to acquire Happy Returns from PayPal (NASDAQ: PYPL). Happy Returns is a U.S.-based software and reverse logistics company that enables frictionless, no-box, no-label returns for merchants and consumers. “We know that returns have long frustrated shoppers and retailers looking for quick and easy solutions,” UPS CEO Carol B. Tomé said. “By combining Happy Returns' easy digital experience and establishe.

UPS to Acquire Happy Returns, a Leader in Reverse Logistics

Visa

Contributing to a downbeat environment on Wednesday, the financial technology (fintech) sector suffered a major blow. Worldline (OTCMKTS: WRDLY ), a French multinational payment and transactional services firm, suffered a catastrophic loss in the market due to an outlook downgrade.

Why Are Fintech Stocks Down Today?

Shares of financial-technology companies were tumbling Wednesday after a European payments company issued a bleak warning — but one analyst thinks Wall Street may be overreacting.

Block, PayPal and Affirm shares slide after Worldline warning. Are investors overreacting?

PayPal Holdings Inc (NASDAQ:PYPL) is one of many U.S. payment stocks falling today, after France's Worldline issued a sales and margin warning, and cut its full-year forecasts.

PayPal Stock Hits 6-Year Lows on Peer Warning

Payments stocks are falling early Wednesday. A warning from a major European payments company is sending jitters through the industry.

Block, PayPal Stocks Are Dropping. What's Shaking the Fintech Sector.

Pinduoduo Inc - ADR

Tencent Holdings Limited

In a tech landscape characterized by constant innovation and shifting dynamics, the success of major companies depends on their adaptability and global reach. This article will explore three overlooked tech stocks that may emerge again as trailblazers.

Tech Giants on Sale: 3 Overlooked Stocks Poised for a Massive Rebound

AerCap Hlds

Baidu

Bayerische Motoren Werke AG

Ramaco Resources

Mistras Group

Naspers Ltd

Horos is an asset management firm that knows the benefits of value investing over the long term. We invest in companies that we consider, after analyzing them, to have a value higher than the price they ask for within the stock market. In our search for companies with potential and with the aim of minimizing errors, we rule out companies that are highly indebted, poorly managed, and that present a high regulatory.

Horos Asset Management Quarterly Letter To Our Co-Investors - October 2023

PayPal's stock has faced challenges due to decelerating growth, increased competition in the digital payments industry, and difficulties in acquiring and retaining users. Despite these challenges, PayPal has the potential to rebound and follow the comeback trajectories of other tech giants like Meta, Netflix, and Adobe. PayPal remains relevant with its range of services for consumers and merchants, particularly its high-margin branded checkout button.

PayPal: Missed Out On Meta? Here's Your Second Chance

American Electric Power Company

Coca-Cola

Long-term investing is a great way to build wealth, but first, you have to look for stocks to buy and hold forever. Forever is a long time, so it's worth considering how a business will fare in both good times and bad, as you're sure to see both.

3 Stocks to Buy and Hold for Your Whole Lifetime

Applied Blockchain Inc

Bitfarms Ltd

CleanSpark

Hive Blockchain Technologies Ltd

Marathon Digital Holdings

Blockchain stocks are still popular despite Blockchain and decentralization being terms thrown around quite loosely these days. There are numerous reasons behind the popularity of the concepts.

7 Blockchain Stocks to Buy Before Decentralization Goes Mainstream

Medtronic

Medtronic and PayPal are two stocks whose valuations have nosedived since 2021. Medtronic's exposure to China is a concern, but its earnings and cash flow remain resilient.

2 Beaten-Down Stocks That Haven't Been This Cheap in Over 6 Years

Paypal (PYPL) closed at $53.45 in the latest trading session, marking a +0.11% move from the prior day.

Paypal (PYPL) Increases Despite Market Slip: Here's What You Need to Know

PayPal's stock is trading near multi-year lows despite impressive margin expansion and growth in branded and unbranded checkout volumes. While MAUs continued to decline sequentially, that hasn't stopped the acceleration in revenue growth. The company has a net cash balance sheet and is aggressively repurchasing stock.

PayPal: Strong Buy On Unusually Attractive Setup

PayPal Holdings, Inc. stock underperformed the S&P 500 by approximately 35% since our latest rating in June 2022. However, we now hold a bullish outlook. The company's core business shows secular growth with increasing total paying accounts and transactions. PayPal's recent sale of an EU loan book and focus on long-term securities enhance its balance sheet and income mix.

PayPal: We Called The Drop, Now We See Upside In Store (Rating Upgrade)

Salesforce

Intel

SentinelOne

Kraft Heinz

This article is an excerpt from the InvestorPlace Digest newsletter. To get news like this delivered straight to your inbox, click here.

5 Unloved Millionaire-Maker Stocks to Buy for 2024

PayPal shares have fallen through their short-term resistance level, declining by 12.46% compared to the S&P 500. The bear case for PayPal has intensified due to a changing macroeconomic environment, with declining transaction take rates and margins. Despite macroeconomic headwinds, I still see PayPal as my second-best value idea and plan to allocate more capital towards it.

PayPal: Why I Am Buying More Into Earnings Despite Freefalling Share Prices

PayPal's stock has had a terrible year, losing 35.11% and trading at a six-year low. The company has nearly doubled its revenue over the last six years but faces negative market sentiment due to slowing user growth, competition, and higher inflation. Despite the stock's decline, investors may want to take a bullish stance on PayPal due to its profitability, increasing free cash flow, and growing EPS.

PayPal: Battling Sentiment, Rising Performance

PayPal operates various segments that cater to different customer groups. Thanks to its scaled business model, PayPal consistently produces free cash flow.

4 Things the Smartest Investors Know About PayPal

PayPal's stock price reaches a 6-year low at $53.94 per share, signaling investment potential. Massive user base of over 431 million, which will keep generating revenue for the company. Even if price drops more, it is unlikely that a potential acquisition will yield a price per share less than $56.

PayPal: A Compelling Investment And Potential Acquisition Target

PayPal (NASDAQ: PYPL) stock price continued its strong sell-off as concerns about the company's growth continued. The shares slipped to a low of $53.85 on Friday, the lowest level in more than six years.

News for PayPal Stock (PYPL)