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

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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 market doesn't have high expectations of PYPL as evidenced by the changes in the consensus price target and rating for the stock in the last one year. The two catalysts for PayPal that investors should watch for in 2023 are better-than-expected share gains and faster-than-expected BNPL growth.

PayPal Stock Forecast For 2023: What To Watch For

PayPal's (PYPL) partnership with ConsenSys is likely to expand its customer reach in the cryptocurrency space.

PayPal (PYPL) Integrates With MetaMask, Boosts Crypto Efforts

PayPal is primarily known as an online payment method. But the company wants to become an easy way to get started with cryptocurrencies.

PayPal and MetaMask team up to make it easier to buy crypto

PayPal Holdings Inc (NASDAQ:PYPL) is expanding its cryptocurrency offering for US users through an integration with crypto wallet MetaMask. Developed by New York-based software firm ConsenSys, MetaMask is a popular browser extension for interacting with applications on the Ethereum blockchain and performing transactions with Ethereum-based tokens.

PayPal's MetaMask integration heralds crypto self-custody surge

Cloudflare

These beaten-down growth stocks are still brimming with potential.

A Bull Market Is Coming: 2 Growth Stocks Down 76% and 77% to Buy Before 2023

PayPal (NASDAQ: PYPL) and MetaMask have partnered to allow users to fund their wallets and buy crypto, the companies announced on Wednesday. The integration means MetaMask users can seamlessly use funds in their PayPal accounts to buy Ethereum.

PayPal partners with MetaMask to allow users buy crypto

After an initial surge, PayPal's stock price dropped into negative territory for the day.

Why PayPal Stock Was Volatile Today

Aflac

Flowers Foods

Fiverr

Intel

Eli Lilly

AT&T

Verizon

Walgreens

Before we discuss the top 10 stock picks for 2023, we can all agree that the economy has two pathways from here. One, the real impact of the rate hikes sits in front of us and will trigger a deep recession in 2023.

Our Top 10 Stock Picks for 2023

Apple

The iPhone maker is showing momentum with its digital wallet.

Is Apple About to Eat PayPal's Lunch?

2022 has not been a good year for digital payments companies who have suffered massive declines in their stock prices. Intense competition, a slowdown in consumer spending and a collapse in tech valuation multiples were the main culprits.

PayPal May Face Economic Challenges

PayPal Holdings Inc PYPL shares are volatile in Monday's trading session. A pair of analysts adjusted price targets on the stock Monday morning.

What's Going On With PayPal Stock? - PayPal Holdings (NASDAQ:PYPL)

Amazon

BARK

You don't need to wait for a bull market to take shape to buy these surefire growth stocks.

4 Growth Stocks I've Aggressively Bought Before the Next Bull Market Begins

Chegg

Investing is often more fruitful and rewarding when investors understand the company's business model and believe in the company themselves.

Buy These 2 Popular Internet Software Stocks

BlackBerry

Coupang

ServiceNow

NXP Semiconductors

XPeng

As the market continues to show signs of life, there's an opportunity to seek out tech stocks to buy. This year conventional wisdom swung from believing the world was going to take a huge hit to believing that nearly all stocks were wonderful.

7 Top Tech Stocks to Buy for the Coming Bull Market

This fintech growth stock could rebound sharply during the next bull market.

1 Perfect Growth Stock Down 76% to Buy Hand Over Fist Before 2023

First Majestic Silver

CrowdStrike

Enterprise Products Partners

Fluor

Okta

Pubmatic

SSR Mining

Trade Desk

Upstart Holdings

These trends represent some of the most exciting moneymaking opportunities for investors next year.

5 Unstoppable Trends to Invest $1,000 in for 2023

PayPal Holdings, Inc. (NASDAQ:PYPL ) UBS 50th Annual Global TMT Conference December 7, 2022 11:40 AM ET Company Participants Dan Schulman - President and Chief Executive Officer Conference Call Participants Rayna Kumar - UBS Rayna Kumar Good afternoon, everyone. I'm Rayna Kumar, and I lead US payment processors and IT services research at UBS.

PayPal Holdings, Inc. (PYPL) Presents at UBS 50th Annual Global TMT Conference

Block

The allure of a fintech stock is one that's relatively easy to understand. Investors tend to like this group of stocks for the upside leverage to growth they provide.

Our 3 Top Fintech Stock Picks for 2023

Shift4 Payments

Lemonade

Marqeta

Shopify

Visa

Investors are always looking for undervalued stocks that have the potential to generate strong returns. Undervalued fintech stocks represent attractive investment opportunities, and the timing could not be better.

7 Undervalued Fintech Stocks to Buy in December

Datadog

These growth stocks are down more than 60% from their highs, and both are now trading at attractive valuations.

2 Rare Buying Opportunities for Growth Stock Investors in a Nasdaq Bear Market

Etsy

H&R Block

Niu Technologies - ADR

UiPath

Usually, most financial advisors will direct their clients to consider the bigger picture. However, because of the unique circumstances of the post-pandemic new normal, investors may want to consider the best short-term stocks to buy.

News for PayPal Stock (PYPL)