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's (PYPL) second-quarter results are likely to reflect its portfolio strength and growing momentum across various sizes of businesses.

Should You Buy PayPal (PYPL) Stock Ahead of Q2 Earnings?

American Homes 4 Rent

American Tower

Xcel Energy

We have narrowed our search to five beaten-down stocks that are poised to beat on earnings results next week. These are: PYPL, AMT, XEL, AES, AMH.

Buy 5 Beaten-Down Stocks Set to Beat on Earnings Next Week

Apple

When earnings for PayPal stock come on July 30, analysts say new CEO Alex Chriss needs to explain how he plans to fight growing competition from Apple Pay.

Does Apple Pay Stand In The Way Of A PayPal Turnaround?

Beyond analysts' top -and-bottom-line estimates for Paypal (PYPL), evaluate projections for some of its key metrics to gain a better insight into how the business might have performed for the quarter ended June 2024.

Wall Street's Insights Into Key Metrics Ahead of Paypal (PYPL) Q2 Earnings

American Express

UnitedHealth Group

UnitedHealth faces multiple headwinds, but remains highly profitable and has plenty of opportunities. Amex has expanded significantly in recent years and looks like a steal of a deal compared to rivals.

Got $5,000? These 3 Growth Stocks Are Incredibly Cheap Buys Right Now

PayPal stock has taken a hit as its margins have fallen over the past several years. The company looks to turn things around and expand its position in key markets under new CEO Alex Chriss.

Should You Buy PayPal While It's Below $70?

SAN JOSE, Calif. , July 24, 2024 /PRNewswire/ -- PayPal Holdings, Inc. (NASDAQ: PYPL) today announced that Enrique Lores has been appointed the new Independent Chair of its Board of Directors.

PayPal Appoints Enrique Lores as New Independent Board Chair

PayPal Holdings is set to release its second-quarter earnings report, with analysts anticipating a slight decrease in EPS. Despite the negative sentiment, we think PayPal's headwinds are priced in, and a quality second-quarter earnings report is likely. PayPal's long-term growth prospects will likely remain intact due to the firm's dominant market share, loyal users, and thriving subsidiaries.

PayPal Q2 Earnings Preview: Giving It The Benefit Of The Doubt

Best Buy

Comerica

It is 100% certain that the Federal Reserve will reduce interest rates at its next meeting in September. Lowering borrowing costs has many investors wondering how interest rate cut stocks could perform.

Double-Digit Triumphs: 3 Stocks Pegged to Ride the Fed's Cut

Paypal (PYPL) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Paypal (PYPL) Expected to Beat Earnings Estimates: What to Know Ahead of Q2 Release

Chipotle

Some excellent companies on the broad index can still slip every now and then. Chipotle's stock has fallen even as the business has executed magnificently.

2 Magnificent S&P 500 Stocks Down 20% to Buy and Hold Forever

EnerSys

General Motors

Park Hotels & Resorts

StoneCo

The P/B ratio helps to identify low-priced stocks with high growth prospects General Motors Company (GM), Park Hotels & Resorts (PK), StoneCo (STNE), EnerSys (ENS) and PayPal (PYPL) are some such stocks.

5 Stocks With Attractive Price-to-Book Ratio Worth a Look

Global Payments

Nu Holdings

The third quarter of 2024 is set to uncover plenty of investment opportunities throughout the fintech landscape. Driven by expectations of a return to optimism throughout Wall Street, financial technology will become a key growth sector over the months ahead.

3 Fintech Stocks to Buy Now: Q3 Edition

William Blair weighed in on two fintech stocks. It lowered its rating for PayPal but upgraded Block.

PayPal Gets a Downgrade. Here's What the Analyst Upgraded.

William Blair analyst Andrew Jeffrey is switching up his ratings on prominent financial-technology stocks.

Why PayPal's ‘perplexing' stock just got downgraded, while Block's got upgraded

Chicago, July 18, 2024 (GLOBE NEWSWIRE) -- The Embedded Finance Market is estimated at USD 115.8 billion in 2024 to USD 251.5 billion by 2029, at a Compound Annual Growth Rate (CAGR) of 16.8% during the forecast period, according to a new report by MarketsandMarkets™. The market for embedded finance is fueled by the requirement to deliver financial services through platforms beyond traditional financial ones. They have made customers stick to their accounts and keep transacting with them by offering accessible and readily available financial solutions combined with the user's everyday activities. It is evident that by deploying embedded finance, operational efficiency and effectiveness are improved, additional revenues will be generated, and customer loyalty will be fostered and deepened. It is further driven by the progress in the fin-tech industry, a higher level of digital penetration, and the need for better and refined solutions fully integrated into clients' lives.

The Rise of Embedded Finance Market: A $251.5 billion Industry Dominated by Tech Giants - Stripe, Inc. (US) and PayPal Holdings, Inc. (US)| MarketsandMarkets™

Arista Networks

Corning

Paycom Software

Twilio

Arista Networks, Corning, PayPal, Paycom and Twilio are included in this Analyst Blog.

The Zacks Analyst Blog Arista Networks, Corning, PayPal, Paycom and Twilio

Here, we have picked five tech stocks, Arista Networks (ANET), Corning (GLW), PayPal (PYPL), Paycom Software (PAYC) and Twilio (TWLO), which are likely to pull off earnings surprises in second-quarter 2024.

5 Technology Stocks Poised to Beat Earnings Estimates in Q2

AbbVie

Verizon

Drugmaker AbbVie has been investing in its growth, and that strategy looks to be paying off. Verizon's stable business and low valuation make it practically a no-brainer buy for dividend investors.

3 Absurdly Cheap Stocks to Buy and Hold for Years

PayPal May Have Turned A Corner

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.

Is PayPal (PYPL) Stock Undervalued Right Now?

ACM Research

BM Technologies

Innovid Corp

Gigacloud Tech

Snap

Udemy

Software and tech stocks, especially those in the sizzling AI and social media fields, have been the stars of the show. However, these high-flyers are just a sliver of the oversold tech stocks trading on the market today.

7 Oversold Tech Stocks Primed to Quintuple by 2025

PayPal's stock burned a lot of investors over the past three years. The company's top-line growth cooled off as it struggled to gain new accounts.

Where Will PayPal Stock Be in 3 Years?

Bank of America

Merck

By one estimation, artificial intelligence (AI) can provide a $15.7 trillion lift to the global economy by 2030. Despite AI's seemingly limitless potential, some of Wall Street's smartest and richest money managers parted ways with their shares of Nvidia during the first quarter.

Forget Nvidia: Billionaires Are Dumping It and Piling Into These 3 Surprising Value Stocks Instead

Robinhood

The fintech stocks had their heyday back in 2020-21 when it was thought they'd pose a serious threat to the market share of traditional financial institutions (think the banks). When the pandemic lockdowns happened and online shopping went into overdrive in what was a “roaring start” to the 2020s, it seemed like the market's fintech darlings could only go higher.

News for PayPal Stock (PYPL)