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 better than expected Q2'22 earnings. Company announced a $15B stock buyback, tripling the total repurchase amount during the pandemic.

PayPal: The Rebound Is Finally Here

Visa

Which payment company belongs in your portfolio?

Better Buy: PayPal or Visa?

Amazon

Alphabet

The growth-centric Nasdaq 100 is home to three widely owned stocks that are cheaper than they've ever been.

3 Nasdaq 100 Stocks to Buy Hand Over Fist in August

Airbnb

Investors will be watching shares of PayPal and Airbnb move in different directions as those and a slew of other companies report their quarterly earnings this Wednesday.

PayPal surges, Airbnb falls and more: Wednesday's 5 things to know

PayPal Holdings, Inc. (NASDAQ:PYPL ) Q2 2022 Earnings Conference Call August 2, 2022 5:00 PM ET Company Participants Gabrielle Rabinovitch - Interim CFO and SVP, Corporate Finance & IR Daniel Schulman - President, CEO & Director Conference Call Participants Tien-Tsin Huang - JPMorgan Chase & Co. Darrin Peller - Wolfe Research Lisa Ellis - MoffettNathanson Rayna Kumar - UBS Michael Ng - Goldman Sachs Group Jason Kupferberg - Bank of America Merrill Lynch David Togut - Evercore ISI Operator Good evening. My name is Savannah, and I will be your conference operator for today.

PayPal Holdings, Inc. (PYPL) CEO Daniel Schulman on Q2 2022 Results - Earnings Call Transcript

PayPal's most recent earnings results spotlight the continued digital shift, as active user counts eclipsed pre-pandemic levels.   And buy now, pay later (BNPL) volumes surged by triple-digit percentages.

PayPal: BNPL Volumes Surge 226% Year on Year

In its Q2 results, PayPal announced its new CFO in Blake Jorgensen, and that Elliott Management had secured a $2 billion stake in the company, making it one of the bigger investors, a press release said Tuesday (Aug. 2). Jorgensen is replacing John Rainey as CFO.

PayPal Names Ex-Electronic Arts CFO Blake Jorgensen as Its Chief Financial Officer

PayPal Names Blake Jorgensen Chief Financial Officer

Paypal (PYPL) delivered earnings and revenue surprises of 9.41% and 0.71%, respectively, for the quarter ended June 2022. Do the numbers hold clues to what lies ahead for the stock?

Paypal (PYPL) Tops Q2 Earnings and Revenue Estimates

Shares of PayPal Holdings Inc (NASDAQ: PYPL) are up nearly 15% in extended trading on Tuesday even though the fintech company swung to a loss in its fiscal second quarter. Why are PayPal shares up after the bell?

PayPal shares up 15% as a string of good news cloaks Q2 loss

PayPal Holdings Inc. ( PYPL , Financial) reported its second-quarter earnings on Tuesday, revealing a staggering $6.8 billion in quarterly revenue, which beat its estimate by $20 million. Moreover, the company managed to taper its expenses to surpass its bottom-line earnings target by 6 cents per share.

PayPal Skyrockets After Earnings Beat

The company also disclosed changes to management and a new $15 billion share repurchase authorization.

PayPal Stock Gets a Much-Needed Boost After a Solid Quarter

PayPal stock has been cut in half in 2022, but it's getting a vote of confidence from hedge fund Elliott Management, which is also a big Pinterest investor.

PayPal jumps as Elliott Management says it has a $2 billion holding in the financial-services company

After seeing its shares lose roughly two-thirds of their value in the past year, PayPal Holdings Inc. delivered a packed earnings report Tuesday, announcing a new chief financial officer, buyback authorization and cost-savings program, while also confirming that activists at Elliott Management Corp. have taken a stake in the company.

PayPal stock jumps 9% as company confirms Elliott stake and names EA exec as new CFO amid earnings beat

PayPal Holdings said on Tuesday Elliott Investment Management has an over $2 billion investment in the company, making the activist investor one of the largest shareholders in the fintech firm.

PayPal reveals $2 billion stake held by Elliott, announces new CFO

SAN JOSE, Calif. , Aug. 2, 2022 /PRNewswire/ -- PayPal Holdings, Inc. (NASDAQ: PYPL) today announced its second quarter 2022 results for the period ended June 30, 2022.

PayPal Reports Second Quarter 2022 Results

PayPal Inc. is scheduled to report earnings after Tuesday's close. Here's a closer look.

Earnings Preview: What To Expect From PayPal Today

When PayPal reports earnings, management's view on how much the U.S. economy could slow and impact e-commerce looms key for PYPL stock. The post PayPal Earnings Due As Elliot Management Stake, U.S. Recession Loom appeared first on Investor's Business Daily.

PayPal Earnings Due As Elliot Management Stake, U.S. Recession Loom

eBay

Investors should exploit the war on cash amid the Nasdaq bear market.

Buy the Dip on This Fintech Stock During the Nasdaq Bear Market?

Year-to-date, PayPal shares have plunged, losing more than half of their value.

PayPal Q2 Preview: Can Shares Rebound?

Livent Corp

Starbucks

Under Armour

The three major U.S. equity indexes closed higher again Friday. The Dow Jones Industrial Average added 0.97%, the Standard & Poor's 500 rose 1.42%, and the Nasdaq Composite closed up 1.88%.

Earnings Previews: Livent, PayPal, Starbucks, Under Armour

American Express

General Electric

Roku

Bank of America

Just as in December 2018 and March 2020, worries about the American economy, the stock market, and tech stocks are way overdone. As a result, for longer-term investors, there are many good, large-cap growth stocks to buy on the dip.

7 Large-Cap Growth Stocks to Buy on the Dip

Intuitive Surgical

The future still looks bright for these beaten-down stocks.

3 Growth Stocks Down 25% to 71% to Buy in August

Indonesia temporarily opened access to online payment firm PayPal to allow users to access their money, a senior official said on Sunday, after the country's blocking of some online services and games sparked an outcry.

Indonesia opens temporary access to PayPal after blocking sparks backlash

Elliott has been making big investments in tech companies that have taken their lumps from the sell-off in growth stocks.

News for PayPal Stock (PYPL)