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 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

PayPal will have a lot to prove to turn things around.

Why PayPal Stock Was Down This Afternoon

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Within the confines of the fourth quarter, it's only natural that investors look to growth stock predictions for next year. If a succinct summary existed regarding this framework, it might be disruptions and transitions.

7 Growth Stock Predictions for 2023

The company wasn't executing at the highest level even before its user policy blunder.

Should You Dump PayPal Stock After the Fintech's Latest Gaffe?

Los Angeles, California--(Newsfile Corp. - October 19, 2022) - The Schall Law Firm, a national shareholder rights litigation firm, announces the filing of a class action lawsuit against PayPal Holdings, Inc. ("PayPal" or "the Company") (NASDAQ: PYPL) for violations of §§10(b) and 20(a) of the Securities Exchange Act of 1934 and Rule 10b-5 promulgated thereunder by the U.S. Securities and Exchange Commission.

SHAREHOLDER ACTION REMINDER: The Schall Law Firm Encourages Investors in PayPal Holdings, Inc. with Losses of $100,000 to Contact the Firm

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Some of the biggest Q3 earnings surprises could come from companies that have provided fireworks in recent weeks. These three reports will play a key role.

3 Can't Miss Q3 Earnings Reports

While competition intensifies, the market still has high growth expectations for PayPal.

Why PayPal Stock Was Outperforming the Market Today

Upstart Holdings

Which fintech platform can bounce back in this tough market?

Better Fintech Stock: PayPal or Upstart

Everything seemed to be going fine at PayPal in 2021. However, toward the back half of 2021, things started to take a turn for the worse.

PayPal Is Working Hard To Right The Ship

PayPal is taking a step away from the Honey brand, the $4 billion shopping rewards acquisition it made in 2019, with today's launch of PayPal Rewards.

PayPal debuts a new rewards program that combines Honey's discounts with other ways to earn

PayPal consumers in the US can now earn points towards cash back through merchant offers, deals, and other discounts with the ability to redeem when checking out with PayPal SAN JOSE, Calif. , Oct. 17, 2022 /PRNewswire/ -- PayPal Holdings, Inc. (NASDAQ: PYPL) today announced the introduction of PayPal Rewards, a new unified rewards program that gives customers an easy way to shop, earn, track, save, and redeem rewards and offers all in one place – their PayPal app.

New PayPal Rewards Program Helps Consumers Save Money in Time For the Holiday Season

Los Angeles, California--(Newsfile Corp. - October 14, 2022) - The Schall Law Firm, a national shareholder rights litigation firm, announces the filing of a class action lawsuit against PayPal Holdings, Inc. ("PayPal" or "the Company") (NASDAQ: PYPL) for violations of §§10(b) and 20(a) of the Securities Exchange Act of 1934 and Rule 10b-5 promulgated thereunder by the U.S. Securities and Exchange Commission.

SHAREHOLDER ACTION ALERT: The Schall Law Firm Encourages Investors in PayPal Holdings, Inc. with Losses of $100,000 to Contact the Firm

SAN DIEGO--(BUSINESS WIRE)---- $PYPL #PYPL--PayPal Holdings, Inc. (PYPL) Inflated Net New Active Accounts Metric Guidance and Hid the Company's Declining Levels of Engagement

PayPal Holdings, Inc. (PYPL) Equity Alert: Robbins LLP Reminds Investors of Lead Plaintiff Deadline in Class Action Against PayPal Holdings, Inc.

The two fintechs were down early, but surged higher in a volatile day on Wall Street

Why PayPal and Upstart Stocks Were Volatile Today

PayPal (PYPL) unveils Zettle Terminal in the United States to offer a seamless and secure payment experience to small businesses.

PayPal (PYPL) Boosts Focus on Small Businesses With Terminal

Is this battered fintech stock finally primed to bounce back?

PayPal Stock: Bear vs. Bull

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With the fading of the coronavirus pandemic, the inevitable push to the office sparked fundamental interest in gig economy stocks. After enjoying the freedoms of gig life, corporate employees simply don't want to return to business as usual.

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A Wall Street analyst provided some bullish sentiment for the stock.

Why Shares of PayPal Are Rising Today

PayPal Holdings Inc. said earlier this week that a policy change indicating users could be fined up to $2,500 for spreading misinformation was published erroneously—but not before the company faced online backlash.

‘Delete PayPal' controversy unlikely to have ‘any noticeable impact' on PayPal's reported users, analyst says

PayPal took a beating in social media last week after a draft of a new "Acceptable Use Policy" leaked. By the wee hours of Sunday morning, #BankruptPayPal was trending on Twitter. The update imposed additional terms of PayPal's existing policy under which the company can impose "liquidated damages" of up to $2,500 for each violation for things like reputational damage, etc.

PayFail: PayPal's Ideology Has Brought It Into Crisis

For every one step forward, PayPal seems to be taking two steps back. After a marked improvement to its 2Q22 fundamentals, escalating recession risks and its latest "misinformation clause" error risks derailing PayPal's comeback plan.

How Much Will The 'Misinformation Clause' Error Cost PayPal?

PayPal Holdings Inc. is continuing its foray into in-store commerce with the launch of a portable payment terminal in the U.S.

PayPal deepens in-store push with U.S. launch of payment terminal

The PayPal Zettle Terminal further strengthens PayPal's in-store offering, putting an entire store kit in the palm of small business owners' hands. SAN JOSE, Calif.

PayPal Launches its All-In-One POS Solution for Small Businesses in the U.S.

San Diego, California--(Newsfile Corp. - October 10, 2022) - Robbins Geller Rudman & Dowd LLP announces that purchasers of PayPal Holdings, Inc. (NASDAQ: PYPL) common stock between February 3, 2021 and February 1, 2022, inclusive (the "Class Period") have until December 5, 2022 to seek appointment as lead plaintiff in the PayPal class action lawsuit. Captioned Defined Benefit Plan of the Mid-Jersey Trucking Industry and Teamsters Local 701 Pension and Annuity Fund v.

INVESTOR ALERT: PayPal Holdings, Inc. Investors with Substantial Losses Have Opportunity to Lead Class Action Lawsuit - PYPL

An update to the service's user agreement indicated customers could be fined $2,500 for using the service to spread misinformation.

News for PayPal Stock (PYPL)