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

PayPal announced Thursday that it will soon support Apple's Tap to Pay on iPhones. The company said in its Q3 2022 earnings report that both PayPal and Venmo will soon support this tech as a part of its offering.

After Stripe and Square, Venmo and PayPal are set to support Apple's Tap to Pay on iPhones

PayPal Holdings, Inc. (NASDAQ:PYPL ) Q3 2022 Earnings Conference Call November 3, 2022 5:30 PM ET Corporate Participants Gabrielle Rabinovitch - Acting Chief Financial Officer and SVP, Investor Relations and Treasurer Daniel Schulman - President and Chief Executive Officer Conference Call Participants James Fossett - Morgan Stanley Jason Kupferberg - Bank of America Merrill Lynch Colin Sebastian - Baird Darrin Peller - Wolfe Research Lisa Ellis - MoffettNathanson Tien-Tsin Huang - JPMorgan David Togut - Evercore ISI Operator Good evening. My name is Briana, and I will be your conference operator for today.

PayPal Holdings, Inc. (PYPL) Q3 2022 Earnings Call Transcript

DoorDash

Expedia

Starbucks

Block

Twilio

We got another huge slab of Q3 earnings reports out after today's closing bell.

Big Late-Market Moves on Q3 Reporting Numbers

PayPal Holdings Inc (NASDAQ: PYPL) lost as much as 10% in extended trading on Thursday even though the payments company reported a better-than-expected Q3 and raised its earnings guidance for the full year. PayPal's guidance for the full year The fintech giant now forecasts up to $4.

PayPal shares tumble despite a solid Q3 and raised guidance

PayPal delivered solid earnings growth, even though headline numbers might not show it. Growth remained muted as the company continued to lap tough comparables.

PayPal Stock Dips After Earnings: Why I'm Buying

Paypal (PYPL) delivered earnings and revenue surprises of 13.68% and 0.40%, respectively, for the quarter ended September 2022. Do the numbers hold clues to what lies ahead for the stock?

Paypal (PYPL) Q3 Earnings and Revenues Beat Estimates

PayPal shares fell more than after hours despite beat on earnings and revenue expectations for the third quarter.

Paypal drops on light revenue forecast for Q4

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 Inc.'s cost-savings story began to play out in the latest quarter as the company beat expectations and executives raised their full-year forecast on the bottom line, though they also reduced the 2022 revenue forecast in light of the economic climate and shares took a hit.

PayPal earnings forecast heads higher, but the stock is heading lower yet again

Online payments company PayPal Holdings Inc on Thursday posted a jump in third-quarter revenue, benefiting from a strong rebound in online shopping as consumers return to their pre-pandemic spending.

PayPal third-quarter revenue jumps as online shopping picks up pace

SAN JOSE, Calif. , Nov. 3, 2022 /PRNewswire/ -- PayPal Holdings, Inc. (NASDAQ: PYPL) today announced its third quarter 2022 results for the period ended September 30, 2022.

PayPal Reports Third Quarter 2022 Results

Coinbase

Earnings will be released after the bell, and investors are taking a cautious approach to the quarter.

Why PayPal, Block, and Coinbase Are Down Ahead of Earnings

Analysts believe Paypal could be a Strong Buy as earnings are not only steady but growing, even amid tough competition; thanks to resilient sales.

Paypal Shows Promise With Strong Buy Rating

Baidu

Vertex Pharmaceuticals

The innovation-packed Nasdaq 100 has three screaming bargains that are ripe for the picking.

3 Nasdaq 100 Stocks to Buy Hand Over Fist in November

Shares of the payment company are down nearly 60% so far this year.

PayPal Expected to Post Drop in Earnings

With PayPal (PYPL) still trading 65% off its highs, it is another tech stock investors will be closely eying when it reports Q3 earnings on Thursday, November 3.

Breaking Down PayPal (PYPL) Stock Before Q3 Earnings

It was not a great day for stocks across the board.

Why PayPal Stock Fell 4.4% on Wednesday

Affirm

Robinhood

Lemonade

Opendoor

SoFi Technologies

Upstart Holdings

Amid the most intriguing sectors within the broad innovation space, the top fintech stocks to buy bring much potential to the table. Unfortunately for this year, the segment failed to produce much in the way of positive results for stakeholders.

The 7 Top Fintech Stocks Ranked From Best to Worst

Fintech companies are changing the way people think of consumer finance.

My Top Fintech Stock to Buy in November

PayPal (PYPL) is seeing favorable earnings estimate revision activity and has a positive Zacks Earnings ESP heading into earnings season.

Is a Surprise Coming for PayPal (PYPL) This Earnings Season?

Carvana

The three major U.S. equity indexes closed lower on Tuesday. The Dow Jones industrials ended the day down 0.24%, the S&P 500 closed 0.41% lower and the Nasdaq retreated 0.89%.

Earnings Previews: Block, Carvana, Coinbase, PayPal, Starbucks

We are buy-rated on PayPal Holdings, Inc. due to multiple tailwinds including the recently announced ability to use the service on Amazon and activist investor Elliott Management's involvement. Elliott's involvement would help the company run its operations better and become more shareholder-friendly with cut costs and possible return of cash to shareholders.

PayPal, Multiple Tailwinds Underway, Buy

Headed into PayPal's third-quarter earnings report, there's a lot of noise.

PayPal's ‘once beloved story' is ‘back in vogue' despite some noise

The award honors the legacy of the first Black woman to charter a U.S. bank This year's recipients are economically empowering their communities by providing resources and capital to help underserved entrepreneurs thrive SAN JOSE, Calif. , Nov. 1, 2022 /PRNewswire/ -- PayPal Holdings, Inc. (NASDAQ: PYPL) today announced the recipients of the second annual Maggie Lena Walker Award.

PayPal Announces Recipients of Second Annual Maggie Lena Walker Award

AGNC Investment

Colgate-Palmolive

DexCom

Medical Properties Trust

NVIDIA

Occidental Petroleum

It isn't easy to figure out which stocks billionaires are buying right now. With sky-high inflation, fears of recession, weak economic growth, Russia's invasion of Ukraine, and a weaker consumer, the Dow Jones Industrial Average is down 12% on the year.

News for PayPal Stock (PYPL)