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

PayPal has seen a significant drop in its stock price, making it an attractive deep-value play for long-term investors. The company has demonstrated strong growth in web traffic and market presence, positioning itself as a dominant player in the finance sector. PayPal's stablecoin, strategic initiatives, and new CEO appointment contribute to its long-term growth and market leadership potential.

PayPal: The Market Has Lost Its Mind

PayPal's Q2 results showed revenue growth of 7.4% YoY, but the stock plummeted over 12% on the day of the report. Investors fear that PayPal will continue to lose market share, leading to a decline in valuation multiples. My valuation model says the stock is slightly undervalued, having no margin of safety at its current price.

PayPal Stock: Think Twice Before Loading Up Here

Accenture Plc

Robinhood

Interactive Brokers

Block

We narrowed our search to five stocks as the cryptocurrency market is facing turmoil in August. These are: HOOD, SQ, PYPL, ACN, IBKR.

5 Stocks in Focus Amid Recent Turmoil in Crypto Market

PayPal's (NASDAQ: PYPL) stock has taken a tumultuous journey over the past few weeks, experiencing a steep decline since the beginning of the month.

PayPal stock crashes to 6-year low as hedge fund dumps $2 billion stake

PayPal continues to handle more payment volume. PayPal's existing users are engaging more.

1.4 Trillion Reasons to Like PayPal Stock

The financial services companies represent an interesting comparison.

Best Stocks to Buy: PayPal Stock vs. Block Stock

Alibaba

The Beachbody Co.

DTE Energy

Altria

NVIDIA

The stock market has historically been volatile in the month of August. Participants are generally on vacation making it more difficult to pin down the direction of indexes.

The 7 Most Undervalued Meme Stocks to Buy Now: August 2023

PayPal's stock has fallen 16% year to date and 41% over the last twelve months. The departure of Elliott Management from PayPal may concern investors, but we take the exit with a grain of salt. PayPal's current valuation in our view represents a mispricing of the stock.

PayPal Is A Full-Blown Value Play

We're downgrading PayPal Holdings, Inc. to a hold as we think current macro dynamics won't work in the stock's favor. We expect PayPal will struggle to increase active accounts and expand transaction margins under macro uncertainty and see Y/Y revenue growth slowing as a result. While we're constructive on PayPal's cost-cutting initiatives and position in the e-commerce industry, we don't share management's expectation of discretionary spending improving materially in 2H23.

PayPal - Downgrading To Hold: Current Macro Dynamics Won't Favor The Stock

Shares of the payments giant are down 80% from their pandemic-era high in 2021.

PayPal Stock Can't Catch a Break. A Big Investor Cut Its Stake.

Best Buy

eBay

In today's fluctuating market, discerning investors are looking for opportunities. Enter the world of retail stocks, a domain bustling with potential.

The 3 Most Undervalued Retail Stocks to Buy Now: August 2023

QUALCOMM

Walgreens

After the stock market's dismal performance in 2022, investors are savoring this year's rally. The Nasdaq Composite Index surged 33% higher in the first half of the year, though the growth-oriented index seems to have stalled out since.

3 Beaten-Down Value Stocks You'll Regret Not Buying During This Nasdaq Correction

On August 2, PayPal, one of the leaders in the digital payments market, released its Q2 2023 financial report, which showed mixed results. At the end of September 2023, Alex Chriss will become President and CEO of PayPal. PayPal's revenue for the second quarter of 2023 amounted to $7.29 billion, 3.6% more than the previous quarter and 7% more than the second quarter of 2022.

PayPal's Might: Unveiling The Force Behind The Bullish Outlook

PayPal's revenue growth was just 7% last quarter -- and that could fall further in future periods. The company recently announced the launch of a stablecoin which could attract more crypto users onto its platform.

Down 40% From Its 52-Week High, Is PayPal Stock a Buy?

Shopify

Unity Software

Many experts suggest the Federal Reserve will initiate rate cuts soon, making the stocks of rate-sensitive firms attractive. While terminal rate uncertainty remains, we are likely encroaching on the end of the rate hiking road.

3 Stocks to Own if Interest Rate Cuts Are on the Horizon

Albemarle

Estee Lauder

Global Payments

Realty Income Corp

Tyson Foods

Verizon

Markets have made considerable gains so far this year. But it's not too late to find high-quality S&P 500 stocks selling at compelling prices in August 2023.

The 7 Most Undervalued S&P 500 Stocks to Buy Now: August 2023

Elliott Investment Management L.P. dumped its stake in PayPal Holdings Inc. during the second quarter, a recent filing indicates.

PayPal's stock pulls back as Elliott reveals it dumped its stake last quarter

Disney

AT&T

In the stock market, finding solid blue-chip investments (at lower valuations) that promise immediate returns and sustained growth can be like navigating a complex maze. But I'm here to help find the best blue-chip stocks to buy.

3 Must-Have Blue-Chip Stocks to Buy Before It's Too Late

Alex Chriss, who has had a successful run at Intuit, will take the reins from Dan Schulman at the end of September.

New PayPal CEO Alex Chriss Has A Tough Job Ahead Of Him

PayPal's stock is down significantly off its high and selling at a relatively inexpensive valuation.

Why Is Everyone Talking About PayPal Stock Right Now?

PayPal updated its website to indicate the rollout of its “Cryptocurrencies Hub,” a new feature allowing users to hold and interact with Bitcoin and other cryptocurrencies directly from within their accounts.

PayPal's Cryptocurrencies Hub to Start Rolling Out Soon

PayPal Holdings Inc. is entering a new chapter, with Alex Chriss set to take the reins of the digital payments giant next month.

Who is Alex Chriss? 5 things to know about the next CEO of PayPal.

Chriss will replace current chief Dan Schulman in September. PayPal's monthslong search for a CEO has come to an end with the appointment of Intuit executive Alex Chriss.

5 things to know about Intuit's small business guru Alex Chriss—PayPal's incoming CEO

PayPal's next CEO will be longtime senior Intuit executive Alex Chriss. Chriss will take over next month, replacing former CEO Dan Schulman who led the company since 2014.

PayPal taps Intuit executive as next CEO

PayPal is hiring Alex Chriss, an executive who focused on small businesses while working for Intuit. PayPal's unbranded checkout services have performed well in recent years.

News for PayPal Stock (PYPL)