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

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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

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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

Intapp

Investors looking for stocks in the Internet - Software sector might want to consider either Paypal (PYPL) or Intapp (INTA). But which of these two stocks presents investors with the better value opportunity right now?

PYPL or INTA: Which Is the Better Value Stock Right Now?

A Polish regulator fined PayPal $27.3 million over allegedly “unprecedented” user agreement violations. The Office of Competition and Consumer Protection (UOKiK) said in a Monday (July 15) press release that it determined PayPal's contract language did not inform consumers which activities could cause them to incur penalties.

PayPal Fined $27 Million for Contract Violations in Poland

Poland's antitrust and consumer protection watchdog imposed a fine of 106.6 million zlotys ($27.3 million) on PayPal Europe for failing to spell out to consumers in its contractual clauses activities for which they may be fined, UOKiK said on Monday.

PayPal fined $27.3 mln by Polish watchdog for ambiguous clauses

Airbnb

Palantir Technologies

Wall Street's biggest businesses -- including artificial intelligence (AI) titan Nvidia, tech giant Apple, and software kingpin Microsoft -- are responsible for leading the major stock indexes to new highs. Investors are always on the lookout for Wall Street's next trillion-dollar companies.

Prediction: 4 Sub-$100 Billion Hypergrowth Stocks That Can Join Nvidia, Apple, and Microsoft as Trillion-Dollar Companies by 2040

Nu Holdings

SoFi Technologies

Undervalued fintech stocks are ripe for the picking for savvy investors. The fintech market has proven resilient, dazzling everyone with innovation and expansion.

The 3 Most Undervalued Fintech Stocks to Buy in July 2024

PayPal's new management is refocusing the business to improve profitability. PayPal is diversifying into digital advertising and is in a prime position as merchants try to find alternative advertising channels. Fastlane can be the sustainable innovation PayPal needs to protect its market share against the competition.

PayPal: An Undervalued Profitable Growth Stock

Intel

Warner Bros Discovery Inc

Identifying the right stocks to buy can profoundly affect portfolio performance. Three standout companies may derive high returns.

3 Stocks on the Verge of a Massive Bull Run in July 2024

CVR Energy

New Fortress Energy

Walgreens

XP Investimentos

In the stock market, finding stocks at 52-week lows with the potential to yield massive price returns is a way to capitalize on undervalued assets. Certain companies hold solid fundamental strengths and strategic adaptations that extend beyond current market sentiments.

7 Stocks at 52-Week Lows to Snag Before They Soar

Duolingo

Many investors are attracted by the prospect of strong returns from income doubling stocks. Doubling one's capital within a reasonable timeframe is undoubtedly an attractive proposition.

3 Stocks With Proven Track Records to Double Your Income

PayPal has been underperforming, but has potential for long-term success. Braintree and unbranded solutions show growth potential. Margin expansion, emerging markets, and strong financial position indicate potential for turnaround.

PayPal: Why I Am Still Invested

A settlement between Apple and the EU could offer multiple benefits to the payments company, according to Mizuho Securities analysts.

News About Apple Sends PayPal Stock Higher. Here's Why.

PayPal (PYPL) presents solid long-term prospects on the back of a strong portfolio, growing customer momentum and strength in cryptocurrency amid short-term headwinds.

PayPal Declines 4.1% YTD: How Should You Play the Stock in 2H?

Apple

SAP SE

The S&P 500 has continued to receive bullish forecasts from market analysts, including recent analyst upgrades. Some suggest the index could reach a target of 6,100 by the end of the year.

3 Hot Analyst Upgrades That Are Moving Stocks This Summer

Investing in the stock market can be daunting, but finding once-in-a-lifetime stocks can offer considerable rewards. Here, the exploration concentrates on three such stocks with high growth potential.

3 Once-in-a-Lifetime Stocks to Buy Now: July 2024

Crown Castle International

Comerica

Coppersteel Holdco Inc

Synchrony Financial

V.F.

Weyerhaeuser

After a period of aggressive interest rate hikes aimed at taming inflation, the Federal Reserve is poised to shift gears in the coming months. With inflation moderating and approaching the Fed's 2% target, economists and investors anticipate rate cuts as early as September 2024.

7 Stocks That Will Benefit the Most From Coming Rate Cuts

NVIDIA

Uber

Today, I'll share three undervalued growth stocks to buy in July. I'll name these three undervalued growth stocks and explain the factors that led me to conclude they are undervalued.

The 3 Most Undervalued Growth Stocks to Buy in July 2024

PayPal stock basically went nowhere for the past few weeks, while the S&P 500 continued to see new ATH. I think this should change shortly. Despite a drop in the total number of users, transaction volume is also growing, which is positive and allows the company to generate a substantial amount of free cash flow. PayPal's FCF should help surpass the pessimistic EPS consensus for 2024 if the company continues to repurchase shares at similar volumes and maintains its net income growth rate.

PayPal Stock: The Dip Should Be Bought

Incyte

The 3 Most Undervalued Cathie Wood Stocks to Buy in July 2024

PayPal's growth has slowed, but the trends are still encouraging. The stock's valuation is well below its past average.

PayPal: Buy, Sell, or Hold?

Salesforce

Alphabet

Taiwan Semiconductor Manufacturing

The artificial intelligence (AI) revolution has the potential to boost the global economy by more than $15 trillion in 2030. One of Wall Street's most-prominent billionaire money managers dumped more than 29 million (split-adjusted) shares of Nvidia in the March-ended quarter.

Forget Nvidia: The Artificial Intelligence (AI) Leader's Top Billionaire Seller Is Buying These 4 Supercharged Growth Stocks Instead

Contrarian stock upgrades might help you capitalize on this year's AI-inspired market rise. Regarding the prospects of a Federal Reserve rate reduction, the S&P 500 rose 14.5% in the first half of the year, driven by technology and communication, which gained 28.2% and 26.7%, respectively.

Hot Stocks: 3 Contrarian Upgrades Signaling Major Trend Reversals

Cisco Systems

Zoom Video

In the wake of the pandemic, we're witnessing the emergence of value traps throughout the tech landscape on Wall Street, but there are still many undervalued tech stocks you can buy. The challenges faced by U.S. markets amid the tech stock sell-offs of 2022 and the uneven influence of the generative AI boom have left some tech stocks to trade well below their all-time high values recorded earlier in the decade.

3 Tech Value Traps That Are Actually Screaming Buys

Block

Visa

Picking the best digital banking stocks is a little like picking your favorite shirt — different occasions demand different clothing, and different use cases require different digital payment processors. Still, today's best digital payment stocks proactively blend stable, ongoing operations with forward-thinking initiatives to capture new market segments and adapt to emerging digital payment processing trends.

The 3 Best Digital Payment Stocks to Buy in July 2024

Alibaba

Pfizer

Despite their recent struggles, these three industry giants hold the promise of significant upside. With favorable consensus price targets and ratings, attractive P/E valuations, solid earnings growth projections, and some highly attractive dividend yields, they present a hopeful picture for income and value-oriented investors.

News for PayPal Stock (PYPL)