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

PYPL is now trading above its 30-week EMA, showing a series of higher highs and higher lows, indicating bullish price action. Momentum is bullish both short and long term, with the PPO indicator showing positive signs above the zero level. Institutional investors are accumulating shares, as evidenced by significant volume spikes, suggesting PYPL is undervalued.

PayPal Holdings Looks Like A Buy (Technical Analysis)

PayPal continues to grow at healthy rates, and profitability is starting to improve. It's facing competition from young companies and established rivals.

PayPal Stock: Buy, Sell, or Hold?

PayPal remains one of my highest-conviction stocks to buy and hold for years to come.

1 Fantastic Growth Stock Down 76% to Buy Hand Over Fist in 2024

PayPal's new CEO, Alex Chriss, focuses on SMBs with innovations like Fastlane and an ad platform, boosting merchant conversion rates and customer retention. Fastlane offers a seamless checkout experience, significantly increasing guest conversion rates from 40%-50% to around 80%, benefiting both customers and merchants. PayPal's ecosystem expansion includes partnerships with Meta, Salesforce, Adobe, and BigCommerce, enhancing its presence and potential in digital payments and advertising.

PayPal: I Wish I Bought More Earlier, But In The Long Run It's Not Too Late

PayPal's stock, currently at $69.35, offers an attractive investment opportunity following strong Q2 results and bullish price action, indicating market recognition of its value. The stock has established a strong uptrend, closing above its 200-day SMA for 30 days, confirming the value thesis and signaling a potentially opportune time to invest. The upward momentum is justified by the company's cheap valuation relative to the market as a whole and to its own past.

PayPal: Value Stock With Momentum Tailwind

Paypal (PYPL) concluded the recent trading session at $70.36, signifying a +1.46% move from its prior day's close.

Paypal (PYPL) Exceeds Market Returns: Some Facts to Consider

PayPal rides on its expanding services portfolio, solid cryptocurrency positioning and a strong partner base.

PayPal Gains 12.9% YTD: Should You Still Purchase the Stock?

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.

Are Investors Undervaluing PayPal (PYPL) Right Now?

SoFi Technologies

Block

A long-term, buy-and-hold approach to investing is a simple and dependable way to achieve long-term returns. SoFi, PayPal, and Block are three financial technology companies looking to build on their strong growth.

3 No-Brainer Fintech Stocks to Buy Right Now for Less Than $200

PayPal's prices movements sine Q2 2024 earnings report show sign of breaking out of a long consolidation pattern. The potential of a valuation expansion, combined with the improved operations metrics reported in Q2, can support more upside. In particular, PayPal's free cash flow and owner's earnings significantly exceed its accounting EPS.

PayPal Stock Price Is Breaking Out

PayPal's robust financial performance, improved guidance, and strategic partnerships support a 'Strong buy' rating with an 83% upside potential. Key partnerships with Shopify, Fiserv, and Adyen, along with new features like Fastlane and Venmo's ENS integration, enhance PayPal's growth prospects. Valuation analysis via DCF and P/E ratios indicates PYPL is undervalued, with a fair share price estimate of $126.

PayPal: Too Cheap To Miss Out

Affirm

Fidelity National Information

LendingClub

Five fintech stocks that have seen double-digit EPS growth projection for next year. These are: PYPL, AFRM, FIS, LC, SOFI.

Grab 5 Fintech Industry Stocks for Long-Term Gains

Alibaba

Disney

When people observe the track records of Wall Street titans like Warren Buffett, who hold stocks through any storm and always come out ahead, they often miss the bigger picture. The big picture in this case is that these investors find companies with relatively attractive risk-to-reward ratios and a fundamental belief that there is an upside in the near future for these stocks.

Top 3 Stocks to Secure Strong Returns Through Market Uncertainty

PayPal Holdings, Inc. (NASDAQ:PYPL ) Goldman Sachs Communacopia & Technology Conference 2024 September 9, 2024 11:50 AM ET Company Participants Alex Chriss - President, CEO Unidentified Analyst All right, everyone. Kicking off the conference today.

PayPal Holdings, Inc. (PYPL) Goldman Sachs Communacopia & Technology Conference 2024 (Transcript)

Shopify

PayPal says it is expanding its partnership with eCommerce company Shopify. With this new collaboration, PayPal will become an additional online credit/debit processor for Shopify Payments via the PayPal Complete Payments solution, the company announced in a news release Monday (Sept.

PayPal Launches Card Processing Partnership With Shopify

Barrick Gold

Target

The post-pandemic stock market has been divided. Investors have benefited from holding the largest and highest-growth stocks, while many smaller underperforming stocks have dragged indices lower.

3 Undervalued Stocks With At Least 50% Upside

PayPal struggled in recent years with slowing growth and declining margins. CEO Alex Chriss took over at the start of this year and has made it a transition year for the fintech.

Why PayPal's Latest Move Is a Big Win for Investors

PayPal's new CEO is making broad changes that address consumer pain points. The results are showing up in higher revenue and improving profitability.

Why PayPal Stock Jumped 10% in August

PayPal's strong Q2 results and increased Q3 guidance suggest market share concerns are overblown, making PYPL stock a buy for conservative investors. Despite competition from Apple Pay, PayPal's revenue, transaction margin dollars, and total payment volume all showed significant year-over-year growth. PayPal's relatively low valuation and the rapid growth of the digital payments market make its shares attractive, even with potential market share losses.

Low Valuation, Strong Results, Upcoming Catalysts Make PayPal Stock A Buy

PayPal is integrating its debit card with Apple Wallet to enter the in-store payment arena. The company announced its omnichannel “PayPal Everywhere” solution Thursday (Sept.

Paypal Tackles In-Store Payments With ‘PayPal Everywhere'

Apple

PayPal is expanding into U.S. point-of-sale payments by integrating its debit card with Apple's mobile wallet and offering cashback rewards, as the global online payments giant seeks direct competition with tech companies and banks.

PayPal pushes into in-person payments with cashback rewards, Apple integration

PayPal upgraded its rewards program for debit card users with a 5% cash back offer for categories such as clothing, groceries and restaurants.

PayPal Sweetens Rewards Program As New CEO's Overhaul Gains Momentum

New rich rewards and in-store access transform PayPal into a single solution for every type of customer everywhere they shop SAN JOSE, Calif. , Sept. 5, 2024 /PRNewswire/ -- PayPal (NASDAQ: PYPL) today ushered in a new era for customers, making it easier and more rewarding than ever to shop and pay with PayPal anywhere, anytime – both in stores and online.

Introducing PayPal Everywhere

Brazilian FinTech Ume has raised $15 million in a Series A funding round to expand its payment network and merchant services platform for small and medium-sized businesses (SMBs) on Pix. The round was led by PayPal Ventures, the companies said in a Friday (Aug. 30) press release.

PayPal-Backed Ume Raises $15 Million to Expand Payment Network

Palantir Technologies

Uber

A lot has been spoken about the “September Effect” when most investors see their portfolios plunge.

News for PayPal Stock (PYPL)