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 reported an unprofitable Q2. Was it a fluke, or is the fintech business heading down a dark path?

Are the Best Days of PayPal's Stock in the Past?

PayPal Holdings, Inc. (NASDAQ:PYPL ) Goldman Sachs Communacopia + Technology Conference 2022 September 12, 2022 7:30 PM ET Company Participants Daniel Schulman - President and CEO Conference Call Participants Michael Ng - Goldman Sachs Michael Ng Great. Welcome to the PayPal Keynote at the Goldman Sachs Communacopia and Technology Conference.

PayPal Holdings, Inc. (PYPL) CEO Daniel Schulman Presents at Goldman Sachs Communacopia + Technology Conference 2022 (Transcript)

After making investors sweat for several quarters, PayPal Holdings Inc. faces a “more reasonable” bar, according to Deutsche Bank analyst Bryan Keene.

PayPal's more ‘realistic' setup sparks optimism

Amazon

Biohaven Pharmaceutical Hld

Salesforce

Dollar General

Alphabet

Healthcare Realty Trust Inc

Eli Lilly

Microsoft

Neurocrine Biosciences

Seagen

Snowflake

T-Mobile US

Big investors are famous for breaking rank from the S&P 500 crowd. So when you see a few agreeing on a stock, it's worth paying attention.

15 Stocks Billionaire Investors Agree It's Smart To Buy Now

Expedia

PayPal has said it has a new Executive Vice President (EVP), Chief Product Officer (CPO) in John Kim, formerly of Expedia, a press release says. He will succeed current CPO Mark Britto, who plans to retire at the end of the year.

PayPal Hires Former Expedia Marketplace President John Kim as CPO

PayPal Holdings Inc. PYPL, +1.26% said Thursday that it has tapped John Kim, an Expedia Group Inc. EXPE, +0.77% veteran, to be its next chief product officer. Kim, who spent a decade with the online-travel company, most recently as the president of Expedia Marketplace, will take over the PayPal position Sept.

PayPal names Expedia executive its next chief product officer

Former President of Expedia Marketplace Brings Extensive Product Management and Technical Experience to PayPal SAN JOSE, Calif. , Sept. 8, 2022 /PRNewswire/ -- PayPal Holdings, Inc. (NASDAQ: PYPL) today announced that John Kim will join the company as Executive Vice President (EVP), Chief Product Officer (CPO), effective September 26, 2022.

PayPal Appoints John Kim as Chief Product Officer

PYPL surged to its August highs after its Q2 earnings release, even though its momentum has waned somewhat with the broad market pullback. We highlighted in our previous update that the worst was over for PYPL. Accordingly, PYPL surged nearly 40% from our article to its August highs, outperforming the market significantly.

PayPal: It Was A Buy In June, But Not Now - Be Patient

PayPal's stock has stayed resilient at the $90-range, holding on to gains from its upbeat 2Q22 report, despite recent market pressures on a still-aggressive Fed policy trajectory. Yet, its valuation remains discounted on a relative basis to its digital payment peers that exhibit a similar growth profile.

Pros And Cons Of Investing In PayPal Stock

BlackBerry

Roku

Amid increased signs that a powerful bull market could be on the way for the U.S. stock market, there are many good, beaten-down stocks to buy for long-term investors. To assist these investors in their search, I have gathered a short list of stocks to buy before the bull market returns.

4 Stocks to Buy Before the Bull Market Returns

A hacker says they have obtained personal data from more than 1 billion TikTok users, but some, including the company, say the hacker is lying.

A hacker says they breached TikTok and accessed personal data, including PayPal information, from more than 1 billion users. TikTok says a breach never happened.

MercadoLibre

These growth stocks are brimming with potential but trading at bargain prices.

Nasdaq Bear Market: 2 Magnificent Growth Stocks to Buy Without Hesitation in September

Fiverr

Pinterest

Pubmatic

Patience can be your golden ticket to a return of over 1,200% from these innovative companies.

Want to Be a Millionaire? Invest $75,000 Into These 4 Phenomenal Growth Stocks and Wait 20 Years

Strong free cash flow and high margins likely attracted activist investor Elliott Management to PayPal. As top line growth is slowing, investors may look forward to receiving an up-sized stock buyback.

PayPal: 19x P/E, Catalyst And Potential For Higher Stock Buybacks

Interactive Brokers

Wisdomtree Investments

Bridgewater Associates piled into these financial stocks.

3 Stocks That the World's Largest Hedge Fund Bought Hand Over Fist in Q2

Affirm

Which of these beaten-down fintech stocks should you buy for your portfolio?

Better Bear Market Buy: Affirm vs. PayPal

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

Why Is Paypal (PYPL) Down 4.6% Since Last Earnings Report?

Notable billionaire investors are looking to squeeze more value out of this once-hot fintech.

Billionaires Can't Stop Buying This Fintech Stock on Sale

CrowdStrike

CVS Health

Occidental Petroleum

Shopify

Upstart Holdings

Billionaire money managers have used the sizable market downturn to buy these seven stocks at a perceived discount.

Billionaires Have Been Buying These 7 Stocks as the Market Plunges

Despite markets opening higher to start the day, another downtrend has materialized in early afternoon trading. That said, not all stocks are performing the same.

PayPal (PYPL) Stock Jumps on BofA Upgrade

CME Group

An 8.0% hit to the S&P 500 over the past couple of weeks has created quite a few buying opportunities, says Karen Firestone. She's the Chairman and CEO of Aureus Asset Management.

Two fintech stocks you should buy at the recent market pullback

Could the downside risk be low and the upside opportunity high?

Why PayPal Holdings Stock Popped This Morning

Investors may be curious to make sense of Elliott's two recent, related investments.

Better Elliott Management Investment: PayPal vs. Pinterest

These beaten-down stocks are likely to rally over the next year or two.

3 of the Best Growth Stocks to Buy in September

PayPal Holdings Inc  (NASDAQ:PYPL) is notably higher in electronic trading, last seen up 3% to trade at $94.59 after Bank of America (BofA) upgraded the shares to "buy" from "neutral" and hiked its price target by $20 to $114.

News for PayPal Stock (PYPL)