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

Disney

MercadoLibre

Shopify

Visa

These stocks have market caps from $48 billion to $430 billion today, but have massive long-term potential.

5 Stocks That Could Be the Next Trillion-Dollar Companies

PayPal Holdings, Inc. (NASDAQ:PYPL ) Citi's 2022 Global Fintech Conference November 15, 2022 4:15 PM ET Company Participants Doug Bland - SVP and GM, Head of Consumer Conference Call Participants Ashwin Shirvaikar - Citi Ashwin Shirvaikar All right. Good afternoon, everyone, and welcome to the last session of our fabulous two day Fintech Conference.

PayPal Holdings, Inc. (PYPL) Citi's 2022 Global Fintech Conference (Transcript)

Amazon

The struggling economy can only slow down these companies for so long.

2 Growth Stocks Down 42% or More to Buy and Hold Forever

PayPal Holdings, Inc. is struggling right now, but we should not ignore that the business is still growing at a high pace. And PayPal partnerships with Apple and Amazon as well as its Buy Now, Pay Later initiative offer growth potential in the years to come.

PayPal: This Buying Opportunity Might Vanish Quickly

Fiverr

Pinterest

Patience can pay off handsomely when you're invested in game-changing businesses.

Want to Be a Millionaire? Invest $250,000 in These 3 Stocks and Wait Till 2032

PYPL stock trades ridiculously near 5Y low valuations and 2018 prices, despite growing user stickiness and promising consumer expansion. PYPL would weather the recessionary storm with minimal downsides, due to its sustainable support level and upgraded FY2022 performance.

PayPal: This Pullback Is Your Christmas Present - Load Before Fed's Pivot

The mean of analysts' price targets for Paypal (PYPL) points to a 53.3% upside in the stock. While this highly sought-after metric has not proven reasonably effective, strong agreement among analysts in raising earnings estimates does indicate an upside in the stock.

How Much Upside is Left in Paypal (PYPL)? Wall Street Analysts Think 53%

The top electronic payments platform is dealing with its own set of issues.

Is PayPal a Top Growth Stock to Buy Right Now?

SoFi Technologies

Is a potential behemoth about to make life difficult for the two companies and their peers?

Why PayPal and SoFi Stocks Got Hammered Today

Slowing customer growth is a bad sign, but PayPal has plans to acquire more.

1 Green Flag and 1 Red Flag for PayPal

The digital payments specialist rebounded from its slump on Friday.

Why PayPal Stock Rallied on Monday

The digital payments giant faces tough near-term headwinds.

3 Red Flags for PayPal's Future

The fintech stock relieved investors by adding millions of new customers.

Is PayPal Stock a Buy After Q3 Earnings?

What does the Amazon Venmo deal mean for PayPal? We look at how Amazon payments can boost PayPal revenue, and what it all means for investors.

Amazon Venmo Deal: Will Amazon Payments Boost PayPal?

PayPal Holdings, Inc. (NASDAQ: PYPL) reported solid third-quarter results this Thursday, but the company's management once again lowered expectations for coming quarters. The total payment volume grew 14% in Q3 PayPal reported solid third-quarter results this Thursday; total revenue has increased by 10.8% Y/Y to $6.

Should I buy PayPal shares after the Q3 results?

PayPal delivered a strong earnings beat for the third-quarter. Free cash flow margins improved to 26%.

PayPal: Undervalued And Underrated

PayPal's (PYPL) third-quarter results reflect growing transaction and other value-added services' revenues. However, it issues a conservative guidance for 2022 revenues.

PayPal (PYPL) Q3 Earnings Beat Estimates, Revenues Rise Y/Y

Slower user growth and a weak outlook weighed on the digital payment pioneer.

Why PayPal Stock Tanked Friday Morning

Slowly but surely, the fintech giant is finding its footing in a post-pandemic economy.

PayPal Stock Just Got a Whole Lot More Interesting

In some ways, PayPal Holdings Inc.'s latest earnings report was like a flashback to the past.

PayPal earnings report offers blasts from the past

American Tower

Cogent Communications Holdings

DTE Energy

Microsoft

Spotify

Union Pacific

Watsco

Many toll roads of different shapes and sizes exist in our world today, and each of them have a toll booth. The major operators of these booths have enjoyed decades of prosperity and outsized returns, I investigate a few identified companies.

Own The Toll Booths

DraftKings

Even with markets moving higher, these two stocks see challenges ahead.

PayPal's Falling, but This Nasdaq Stock Looks Like an Even Worse Bet

PayPal reported third-quarter earnings that topped estimates as cost-cutting moves kicked in but payment volume came in below views. The post PayPal Earnings Beat On Cost-Cutting But Shares Fall On Weak Guidance appeared first on Investor's Business Daily.

PayPal Earnings Beat On Cost-Cutting But Shares Fall On Weak Guidance

PayPal Holdings shares dropped 7% in premarket trading as the payments processor cut its annual revenue forecast, warning of a bleak holiday quarter as consumers cut back on discretionary spends.

PayPal shares tumble after forecast cut, spending slowdown warning

Sometimes, a beat and raise simply aren't enough.

News for PayPal Stock (PYPL)