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

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Earnings data Q1 2022

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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

Pfizer

Stock market prices don't tell you everything, and that's certainly true with these businesses. Pfizer is paving the way to future growth, but investors might need to be patient.

2 Incredibly Cheap Growth Stocks to Buy Now

PayPal's Q2 results demonstrated the company's financial strength: revenues continue to grow at a healthy pace and margins remain strong despite the less profitable success of Braintree. Strategic initiatives to drive branded checkout, combined with digital advertising capabilities, will support revenues and margins going forward. Expanding partnerships partially mitigates the risk of digital payment competition. From a financial perspective, the strategy is working well.

Why PayPal's Strategic Moves Make It A Buy In The Digital Payments Space

Paypal (PYPL) reported earnings 30 days ago. What's next for the stock?

Paypal (PYPL) Up 7.1% Since Last Earnings Report: Can It Continue?

Affirm

Upstart Holdings

New economy fintech and payment stocks exhibit strong growth and bullish prospects. Affirm's bullish earnings report last night should bolster this market segment further into 2025.

3 Fintech Stocks to Buy: AFRM, UPST, PYPL

Fiserv Inc

SAN JOSE, Calif. , Aug. 29, 2024 /PRNewswire/ -- PayPal Holdings, Inc. (NASDAQ: PYPL) today announced an expansion of its global strategic partnership with Fiserv, Inc..

PayPal Expands Strategic Partnership with Fiserv to Streamline Checkout Experiences in the U.S.

PayPal stock remains a buy, with significant gains achieved from previous recommendations, but faces potential short-term resistance and risks. The financial sector's growth contrasts with rising household debt and declining savings, raising concerns about consumption sustainability. PYPL is recovering from a downtrend, aiming for a long-term uptrend, but caution is needed as it encounters critical resistance levels.

Is PayPal's Growth At Risk? A Deep Dive Into Market Dynamics (Technical Analysis)

PayPal is forming a bottom at long-term support, backed by solid financials, as reported in the Q2 2024 earnings report.

PayPal Solid Financials Indicating a Strong Buying Opportunity

PayPal's intrinsic value is $125 per share, representing 75% upside, even while accounting for a loss of market share. If the management were to use 100% of FCF toward buybacks, they could repurchase all outstanding shares within the decade. A stark contrast to the "dead money" argument. Fastlane, PayPal's new passwordless checkout solution, is now rolling out. It significantly improves merchant conversion rates and consumer experience, a win-win situation for both.

PayPal: The Transformation Is Finally Here

Adyen NV

Strategic partnerships between major companies like PayPal Holdings Inc PYPL and Adyen NV ADYEN are raising the bar for efficiency and consumer convenience. Their new project, Fastlane by PayPal, is set to revolutionize the checkout process for millions of U.S. users, particularly targeting enterprise and marketplace clients.

PayPal's Partnership With Adyen And The Launch Of Fastlane Are Simplifying Guest Checkouts Speeding Up Processes And Fueling A 42% Recovery From Recent Lows

PayPal's new CEO has been focusing on improving the consumer experience to drive higher growth in its PayPal-branded business. It's fixing its price structure in the unbranded business to drive higher profits.

Is It Too Late to Buy PayPal Stock?

Amazon

As the leading provider, Amazon has an edge in cloud computing AI services. PayPal is taking steps to turn the company around, and its efforts are paying off.

2 No-Brainer Billionaire-Owned Stocks to Buy Right Now

SPDR Gold Trust

Zoom Video

Investing in stock options can also bring extended rewards at the expense of higher risks. The main risks come through timing, as investors need to have the direction and timing correct for an underlying stock; otherwise, they would risk their entire position expiring worthless.

3 Surging Call Options and What They Mean for Investors

Constellation Energy Corp

Welltower

With cooling inflation and moderating economic growth, the current economic environment strongly suggests that the Federal Reserve is on the verge of cutting interest rates. Market analysts are currently pricing an 80% chance of a rate cut.

Rate Cuts a Near Certainty: 3 Stocks You Might Have Missed

Despite increased competition, PayPal is becoming a stronger business.

1 Undervalued Growth Stock Down 75% You'll Regret Not Buying

PYPL's new management has delivered promising performance metrics, while raising its FY2024 guidance, thanks to the growing monetization of its existing fintech offerings. This is on top of the new growth initiatives through Fastlane and PayPal Ads, with it likely to continue driving user growth and accelerating top/ bottom-lines. With another beat and raise quarter likely in the FQ3'24 earnings call, we believe that PYPL remains a compelling growth stock for opportunistic investors.

PayPal's Reversal Is Here: Buy This Gift Before The Breakout Happens

PayPal's stock analysis suggests competition risks are exaggerated, with strong financial performance and room for growth in the digital payments industry. PayPal's consistent growth across key financial metrics and recent guidance boost are not indicative of a company struggling to protect its market position. Intrinsic value calculation indicates PYPL is significantly undervalued, with a potential market capitalization significantly higher than its current value.

PayPal: Competition Fears Are Exaggerated

Two of our contributors agree that this turnaround play could be a home run for patient investors.

1 Stock I'm Buying Hand Over Fist in 2024

Shortly after PayPal (NYSE: PYPL) announced a partnership with Dutch payments firm Adyen to offer Fastlane, PayPal's checkout tool for enterprise and marketplace customers in the United States, its stocks soared to a 52-week high, and Wall Street analysts have expressed optimism.

Wall Street predicts PayPal stock price amid hitting a 52-week high

VICTORIA, Seychelles, Aug. 22, 2024 (GLOBE NEWSWIRE) -- Bitget , the leading cryptocurrency exchange and Web3 company, has added trading support for PayPal's PYUSD stablecoin on Solana blockchain, increasing the availability of multichain tokens. This enables smooth transactions of PYUSD on the Solana and Ethereum networks, easing its utility in the broader Bitget ecosystem.

Bitget Adds Support for PayPal (PYUSD) Stablecoin on Solana Blockchain

PayPal Holdings Inc's PYPL Fastlane is gearing up for a major boost thanks to its newly expanded partnership with Adyen. Adyen will now distribute Fastlane to its domestic enterprise and marketplace clients.

While PayPal's Fastlane Accelerates With Adyen, Analyst Flags Some Bumps On The Road Ahead

PayPal stock has outperformed the S&P 500 since my previous update, validating my bullish thesis. Management has shown glimpses of brilliance as its turnaround is finally in sight. PayPal is making progress in the branded and unbranded space, underscoring its improved execution.

PayPal: No Longer Submerged In The Water

Apple

Block

Apple Inc's AAPL iOS 18.1 could be a boon for PayPal Holdings Inc PYPL and Block Inc SQ, analysts say. The two companies have long been relegated to the sidelines of Apple Pay's ecosystem.

Apple Opens NFC Gates: PayPal, Block Set To Transform iOS Checkout, But At What Cost?

Disney

Intel

With the stock market offering a wide range of investment options, identifying undervalued equities can be crucial for investors due to their potential for significant returns.

ChatGPT-4o picks 3 undervalued stocks to buy now

Adobe

Oracle

After the brief sell-off in the S&P 500 sparked by the so-called “carry trade” between the U.S. dollar and the Japanese yen, most investors thought that the bullish wave taking over the technology sector was over and done with. As it turns out, these were – and are – some of the stocks that recovered swiftly and now trade near their 52-week highs, but there's much more than just price action backing the further upside that could be had in these names.

Are Tech Stocks Making a Comeback? 3 Top Picks Leading the Way

PayPal (NASDAQ: PYPL) stock price has gone parabolic, rising for six consecutive days and reaching its highest point since August 2023. It has jumped by over 43% from its lowest point in December.

News for PayPal Stock (PYPL)