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

The headline numbers for Paypal (PYPL) give insight into how the company performed in the quarter ended March 2023, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.

Here's What Key Metrics Tell Us About Paypal (PYPL) Q1 Earnings

Paypal (PYPL) came out with quarterly earnings of $1.17 per share, beating the Zacks Consensus Estimate of $1.10 per share. This compares to earnings of $0.88 per share a year ago.

Paypal (PYPL) Q1 Earnings and Revenues Surpass Estimates

Shares of PayPal Holdings Inc (NASDAQ: PYPL) are trading down in extended hours even though the digital payments company reported market-beating results for its fiscal first quarter. Is it an opportunity to buy PayPal stock?

PayPal Q1 earnings: ‘we own it because it's cheap'

PayPal lost all of the gains it made over the pandemic just within a year

After hitting new heights during the pandemic, PayPal has struggled in the market. Here's what's killing the company's stock growth

Paypal Holdings Inc shares fell after the company reported first quarter earnings, despite surpassing analyst expectations and increasing its full-year guidance.  The payments giant's revenue was $7.04 billion, up about 10% year-over-year and above Street expectations of $6.96 billion.

Paypal boosts 2023 guidance following 1Q expectations beat

PayPal reported first-quarter results that beat views. But PayPal stock dipped as analysts mulled the size of the company's raised outlook.

PayPal Earnings Tops Views As Investors Mull Raised 2023 Outlook

PayPal Holdings Inc on Monday raised its annual profit forecast to above Wall Street estimates, buoyed by its higher quarterly profit as margins improved on cost-cut measures and as consumers undeterred by inflationary pressures keep shopping online.

PayPal raises full-year profit above estimates on e-commerce strength, cost cuts

PayPal Holdings Inc. beat expectations with its quarterly results Monday, benefiting from strength in e-commerce spending and the results of cost-savings initiatives.

PayPal earnings top expectations as company boosts profit forecast

SAN JOSE, Calif. , May 8, 2023 /PRNewswire/ -- PayPal Holdings, Inc. (NASDAQ: PYPL) today announced its first quarter 2023 results for the period ended March 31, 2023.

PayPal Reports First Quarter 2023 Results

PayPal Holdings, Inc PYPL gapped up slightly to start Monday's trading session and was rising about 1.4% intraday. The company is set to print its first-quarter financial results after the markets close.

Trading Strategies for PayPal Stock Before And After Q1 Earnings - PayPal Holdings (NASDAQ:PYPL)

Apple

Comerica

PacWest Bancorp

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Western Alliance Bancorporation

Western Digital

Zions Bancorp

Zscaler

U.S. stock futures pointed to a cautious start for Monday, as investors looked ahead to an important Federal Reserve lending survey, while regional banks continued to rise in premarket trading.

Stock futures mostly higher, with regional lenders continuing to rise as Fed loan data looms

International Flavors & Fragrances

The weekly S&P 500 cycle has been accurate in all five buy signals and in four of five sell signals over the last year.

Stocks This Week: Sell Short PayPal And International Flavors And Fragrances

E-commerce spending appears to have held up better than expected to start the year, and that could help PayPal Holdings Inc. when it posts earnings Monday afternoon.

PayPal seems on track to ‘clear a low bar.' Is that enough to help its stock?

PayPal's (PYPL) first-quarter results are expected to reflect gains from its strength in Venmo, checkout experiences and BNPL solutions.

PayPal (PYPL) to Post Q1 Earnings: What's in the Offing?

Datadog

JD.com

Growth stocks were clobbered in 2022, with the Nasdaq 100 losing a third of its value. History shows that big declines in the major stock indexes (including the Nasdaq 100) are the perfect time for long-term investors to pounce.

3 Nasdaq 100 Stocks That Are Surefire Buys in May

Affirm

While controversial, the buy now, pay later (BNPL) sector is booming. Currently, a handful of companies dominate the BNPL space.

The 3 Most Promising BNPL Fintechs to Watch in May 2023

Airbnb

Enphase Energy

General Motors

Salesforce

LVMH Moet Hennessy Louis Vuitton

NVIDIA

Procter & Gamble

Taiwan Semiconductor Manufacturing

Visa

As markets prepare for a looming turnaround, investors are redoubling their focus on finding the next trillion-dollar companies. At first glance, it might seem that Tesla (NASDAQ: TSLA ) is the most likely candidate for the market's most elite club.

10 Stocks to Buy Before They Become the Next Trillion-Dollar Companies

Toast

In recent months, fintech stocks have experienced a bumpy ride. Despite these setbacks, the global financial infrastructure's digital transformation should continue attracting growth-oriented investors searching for the best fintech stocks.

The 3 Most Promising Fintech Stocks to Buy for May 2023

Amazon

Tesla

Shopify

Block

Artificial intelligence (AI) is rapidly changing the world and the stock market is no exception. AI-powered algorithms are now being used to predict stock prices, identify investment opportunities and even manage portfolios.

7 Stocks That AI Predicts Will Make You Rich

Paycom Software

Since 1970, the S&P 500 has produced an average return of nearly 15% during the year immediately following the end of a rate hike cycle. Paycom was recognized as one of the most innovative companies in the world in 2022.

History Says the S&P 500 Could Soon Soar to New Highs -- 2 Growth Stocks to Buy Now

Shopify is a leader in e-commerce and will continue attracting merchants thanks to the valuable services it offers. PayPal's vast ecosystem will only grow as its digital payment ambitions increasingly take shape.

2 Growth Stocks That Could Join the Trillion-Dollar Club by 2043

Usually, Wall Street and Main Street do not agree. However, in the case of PayPal Holdings under current conditions, both Wall Street and Main Street recommend Buy.

PayPal: Where Wall Street And Main Street Meet

Venmo will soon enable its customers to transfer cryptocurrency. With a new feature that will be rolled out beginning in May, Venmo customers will be able to transfer crypto to other Venmo users, PayPal accounts, other wallets and exchanges, the mobile payment service owned by PayPal said in a Friday (Apil 28) press release.

Venmo to Begin Enabling Crypto Transfers in May

Global X MSCI Argentina ETF

iShares MSCI Mexico ETF

MercadoLibre

StoneCo

As investors, our job is to look for opportunities wherever they may arise. Though domestic markets provide opportunities, emerging markets are worth a look here.

News for PayPal Stock (PYPL)