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

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Operating Expenses

Year over year growth in Revenue and Operating Expenses.

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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

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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.

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Cash & equivalents

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Let's look beyond this company's recent performances.

My Top Fintech Stock to Buy in 2022

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In the latest trading session, Paypal (PYPL) closed at $178.42, marking a -1.43% move from the previous day.

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As PayPal enters the cryptocurrency market with a stablecoin, it will attract interest and new users. Buy PYPL stock on the current dip.

PayPal Offers a Great Entry Point At Current Levels

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Verizon Communications Inc 5.9 % Notes 2014-15.2.54 Sr

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Venmo is introducing a new gift-wrapping feature to give users a new way to gift money to friends and family. The new feature is starting to roll out today and gives users access to eight animated gift-wrap designs that can be added to a payment note.

Venmo introduces new gift-wrapping feature with eight animated designs

SAN JOSE, Calif., Jan. 13, 2022 /PRNewswire/ -- Today, Venmo introduced a new way for customers to gift money to friends and family for any occasion big or small through its new gift-wrapping feature.

Venmo Launches Gift-Wrapping Feature to Help its Community Celebrate Every Moment

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PayPal (PYPL) intends to launch its stablecoin, PayPal Coin, in order to strengthen its presence in the cryptocurrency market.

PayPal (PYPL) Explores Stablecoins to Boost Crypto Efforts

Iron Mountain

Consumer prices in the U.S. climbed to a new 40-year high in December, but CIC Wealth's Malcolm Ethridge says some stocks can withstand the inflationary pressures and do good in 2022. Ethridge's bull case for PayPal One such name that pops out to him is PayPal Holdings Inc (NASDAQ: PYPL).

What to buy as U.S. inflation hit a new 40-year high

Shares of PayPal Holdings Inc. are off 1.4% in Wednesday morning trading after Jefferies analyst Trevor Williams cut his rating on the stock to hold from buy, warning that the company faces a “muted” setup for the year ahead.

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Lemonade

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A couple of quarterly revenue misses and weak guidance for 2022 by this pandemic winner spooked Wall Street.

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RingCentral

Trade Desk

Shares of multiple tech and software companies, including Paypal Holdings Inc (NASDAQ:PYPL), RingCentral Inc (NYSE:RNG) and Trade Desk Inc (NASDAQ:TTD) are all trading higher rebounding following Monday's weakness and as investors weigh comments from Fed Chair Powell. The sector has been under pressure amid a recent rise in yields, which has weighed on growth stocks.

Why PayPal, Trade Desk And RingCentral Shares Are Rising Today

Unilever

Star fund manager Terry Smith has explained his recent purchase of shares in Amazon.com, while blaming Unilever PLC for having "lost the plot" and said PayPal might want to "stick to its knitting" as partial reasons for his Fundsmith Equity fund's underperformance in 2021. The near £30bn open-ended fund, which is the UK's largest retail fund, underperformed global markets in 2021, with a 22.1% return compared to 22.9% for the MSCI World index in sterling terms.

Terry Smith says Unilever has "lost the plot" over ESG while PayPal should "stick to its knitting"

The payments giant is only just getting started, and has immense room to grow

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PayPal confirmed it's looking into developing a stablecoin, an asset class with unique crypto benefits that can help drive volume.

PayPal mulling proprietary stablecoin to help drive platform growth

The e-commerce juggernaut can have a positive effect on the payments business.

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Mastercard

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PayPal Coin is looking more real by the day, with source code evidencing a coming stablecoin. PayPal is now hinting at the coin's release.

PayPal Coin May Come Soon as the Payment Company Embraces Crypto

PayPal confirmed the news to Bloomberg after a developer discovered the evidence inside PayPal's iPhone app.

Paypal says it is looking into developing a dollar-backed stablecoin as payments giant boosts crypto efforts

Intuitive Surgical

This Fool like these stocks because he loves their underlying businesses.

News for PayPal Stock (PYPL)