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

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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

Walmart

Walmart Inc has appointed Paypal's John Rainey as chief financial officer effective June 6, the retailer said on Tuesday.

Walmart names Paypal's John Rainey as finance chief

Gabrielle Rabinovitch will serve as interim Chief Financial Officer upon Rainey's departure   SAN JOSE, Calif. , April 12, 2022 /PRNewswire/ -- PayPal Holdings, Inc. (NASDAQ: PYPL) today announced the departure of John Rainey, PayPal's Chief Financial Officer (CFO) and executive vice president, Global Customer Operations.

PayPal Announces Departure of Chief Financial Officer John Rainey

Charter Communications

Comcast

Estee Lauder

L'Oreal SA

Mastercard

Philip Morris

AT&T

Visa

Verizon

Charter is our #1 ranked stock, and we will see how it competes against Fixed Wireless in 2022. We also like Verizon after its investor day.

Librarian Capital's Monthly Top Buys And Price Moves - April 2022

PYPL stock has already suffered a sustained downturn, and regulatory crackdowns on cryptocurrency could cause more problems for PayPal. The post PayPal Stock Is Likely to Reach New 52-Week Lows appeared first on InvestorPlace.

PayPal Stock Is Likely to Reach New 52-Week Lows

Digital payments platform PayPal, Inc. (NASDAQ: PYPL) shares have recently staged a rebound with the benchmark indexes but may be losing steam again.

PayPal Stock is Still Ready for Bargain Hunting

The massive stock decline in recent months casts doubt on PayPal's ability to reach this milestone.

Will PayPal Be a Trillion-Dollar Stock by 2030?

CrowdStrike

Pubmatic

Upstart Holdings

A big decline in the technology-driven Nasdaq is the ideal time to invest in these innovative companies.

Nasdaq Bear Market: 4 Beaten-Down Growth Stocks You'll Regret Not Buying On the Dip

Despite consistently beating estimates on the top and bottom lines, PYPL stock continues to face tremendous selling pressure. The post Why PayPal Might Be Worth Its Premium Valuation appeared first on InvestorPlace.

Why PayPal Might Be Worth Its Premium Valuation

The valuation of PYPL stock is attractive while the company's outlook is positive, according to multiple Wall Street analysts. The post Attractive Valuation and Bullish Analyst Notes Make PayPal a Buy appeared first on InvestorPlace.

Attractive Valuation and Bullish Analyst Notes Make PayPal a Buy

Fiserv

Fintech stocks to consider cashing in on as the sector takes a breather.

Top Stocks To Buy Now? 3 Fintech Stocks For Your List

Coinbase

Silvergate Capital Corp

Here are three solid companies you can buy on sale today.

3 Fintech Stocks You Can Buy Today

A big fintech rival is pushing into the retail segment.

Why PayPal Stock Dived by Over 4% on Wednesday

PYPL stock is trading near its 52-week low and dropped another 5% this morning as investors fret about inflation and sanctions against Russia. The post Despite the Dip, PayPal Is an Enticing Target appeared first on InvestorPlace.

Despite the Dip, PayPal Is an Enticing Target

Apple

Lululemon Athletica

NIKE

What are the kids into today? New research suggests that most teens own an iPhone and they're snapping up Nike, and Lululemon merch, ordering Chick-Fil-A and shopping on Amazon — and they expect to drop a collective $66 billion doing so this year.

Teen spending report shows they love Apple, Nike and Lululemon — and they use Apple Pay over Venmo

Synchrony Financial

Synchrony Financial (SYF) teams up with PayPal in a bid to issue the latter's Cashback credit card and reinforces the trust that leading companies have in its card-issuing capabilities.

Synchrony Financial (SYF) to Issue PayPal's New Credit Card

PYPL stock could rise to $196.03, or nearly 60% higher over the next 2 years, implying an average 25.9% return this year and next. The post Huge Revenue and Free Cash Flow Growth Should Power PayPal Stock Higher appeared first on InvestorPlace.

Huge Revenue and Free Cash Flow Growth Should Power PayPal Stock Higher

PayPal (PYPL) rolls out the PayPal Cashback credit card, which offers more cashback while shopping online or offline.

PayPal (PYPL) Boosts Digital Payment Efforts With New Card

Analysts were wrong to ignore PYPL Stocks' problems last year and investors lost money PayPal fell with international tensions, the rising cost of money, and an abortive effort to buy Pinterest. It's now cheap enough to buy.

You Can Buy the Bounce on PayPal But Be Cautious

Block

The stock for these two industry leaders might be down, but they certainly are not out.

2 Growth Stocks Down 53% to 62% to Buy Right Now

Alphabet

Pinterest

The tech sell-off has turned these fast-paced stocks into bargains you shouldn't pass up.

3 Growth Stocks That Can Make You Richer in April (and Beyond)

PayPal is revamping its co-branded PayPal Cashback Mastercard credit card, issued by Synchrony, which will now give users 3% cash back when they check out using PayPal, and 2% cash back on all other Mastercard purchases. The company says the higher rate can be used whenever a customer pays with PayPal, including if they pay […]

PayPal's new credit card pays 3% cash back on all PayPal purchases

Adyen NV

Bill.com

Fidelity National Information

Flywire Corp

Global Payments

Marqeta

Paymentus Holdings

Shopify

Toast

Wells Fargo picked up coverage of 14 fintech stocks, urging investors to pick them up now before they become more expensive.

Fintech Stocks Look Cheap. Wells Fargo Says It's Time to Buy.

At a time when people across the United States and around the world are trying to keep as much money in their pockets as possible, PayPal has announced the PayPal Cashback credit card, giving customers unlimited 3% cash back with every PayPal purchase and 2% cash back on other purchases, according to a Tuesday (April […]

News for PayPal Stock (PYPL)