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 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

Charter Communications

QUALCOMM

As hot as the S&P 500 has been, the Nasdaq 100 is performing even better. The tech-heavy index is up 19% year-to-date (YTD) and 83% higher since the beginning of 2023.

Nasdaq Underdogs: 3 Beaten-Down Stocks Primed for a July Comeback

Robinhood

Inherently, the financial technology (or fintech) space can help shift the paradigm of the money ecosystem thanks to the underlying convenience. Nowadays, practically everyone has a smartphone.

Banking's Worst Nightmare: 3 Fintech Stocks Aiming to Change the Game

GlaxoSmithKline

Visa

For investors with a long-term mindset, there's never a wrong time to put your money to work on Wall Street. Most online brokers have eliminated minimum deposit requirements and commission fees for common stock trades.

3 No-Brainer Stocks to Buy With $300 Right Now for the Second Half of 2024

PayPal stock has dropped 10.1% since March 2024, but financial data shows revenue growth, active account stabilization, and increased payment transactions. Profits and cash flows have increased, with adjusted earnings per share expected to rise in the mid to high single digits for 2024. PayPal is undervalued compared to similar companies, with a strong net cash position, active share buybacks, and growth potential, making it a "strong buy."

PayPal Holdings: A Strong Prospect On Investor Pessimism

If you're reluctant to invest in PayPal (NASDAQ: PYPL ), that's understandable. It's difficult for PayPal to protect its market share in the crowded and highly competitive fintech space.

PayPal Stock Analysis: The One Threat You Can't Afford to Ignore

For the first time since the start of this year, half of analysts covering PayPal Holdings Inc. shares are in the bull camp.

Half of PayPal analysts are back to bullish for the first time since January

This leading fintech company continues to grow total transactions and payment volume. It benefits from a significant network advantage, insulating it from competitive pressures.

1 Incredible Growth Stock Down 81% You'll Regret Not Buying on the Dip

Mesh, a U.S. fintech whose investors include PayPal Ventures, will provide customers of Italian digital asset wallet Conio access to several leading crypto exchanges, such as Binance or Coinbase, the two companies said on Monday.

PayPal Ventures-backed fintech Mesh partners with Italy's crypto wallet Conio

Affirm

Fintech stocks continue to hold immense potential for delivering solid gains to investors. These companies are at the forefront of revolutionizing how we transact and think about money.

The 3 Smartest Fintech Stocks to Buy With $5K Right Now

Baidu

Conagra Brands

Heidrick & Struggles International

JD.com

Pfizer

Starbucks

Finding truly undervalued stocks to buy that are subtly poised for growth might be the difference between good returns and lost chances in the fast-paced world of investing. The emphasis is on a carefully chosen list of seven equities expected to soar in July, and solid arguments are provided for investors to notice them.

Shhh! 7 Stocks Quietly Lining Up for a Massive Surge in July.

RBC Capital analyst Daniel Perlin reiterated PayPal Holdings Inc PYPL with an Outperform and a $84 price target.

PayPal's New Leadership and Strategy Poised to Drive Profitable Growth, Analyst Says

Academy Sports and Outdoors

Boise Cascade

EPS growth is important for evaluating a company's health and valuation. The rate of EPS growth can help determine long-term performance.

3 Stocks With 100+% EPS Growth Trajectories Over the Next 5 Years

Alibaba

Warner Bros Discovery Inc

Buying undervalued stocks may provide substantial profits for investors, particularly if the underlying businesses are poised for a huge upswing. These three cheap stocks have a lot of potential and should rise significantly by 2025.

The 3 Most Undervalued Stocks Ready for a Major Rebound by 2025

Visa posts strong financial results, and it benefits from powerful network effects. With a leading position in digital payments, PayPal is increasing its payment volume and revenue.

Missed Out on Visa? Buy PayPal Instead

Remitly Global

StoneCo

Fintech stocks have been languishing since the end of the post-Covid boom, and most fintech names have been trading at bargain-basement levels for the past two years. That said, I believe it makes sense to use this near-term weakness as an opportunity to buy some of the top fintech stocks for the long-haul.

3 Out-Of-Favor Fintech Stocks Primed for a Massive Bull Run

InvestorPlace contributor David Moadel predicted in early June that PayPal (NASDAQ: PYPL ) stock, because of a combination of factors, should hit $90 in the next 12 months.  I said in late March that it was time to buy PayPal stock given it was up 34% from its five-year low in October 2023.

PayPal Stock's Path to $90: Can New CEO's Bold Moves Deliver 52% Gains?

PayPal Holdings remains a leading global fintech player and continues to benefit from the strong secular tailwinds behind its industry. While the stock price remains stagnant, PayPal's operational performance tells a very different story. The company continues to exhibit solid growth across its diverse range of payment businesses. PayPal is heavily undervalued with a 9.5x trailing P/FCF ratio, strong balance sheet, and forecasts for continued growth.

PayPal: Priced For Failure, Poised For Success

PayPal (NASDAQ: PYPL) stock price is falling apart as attempts to recover find substantial resistance. It has plunged to a low of $58.25, its lowest point since March 7th.

PayPal stock price analysis: why is PYPL falling apart?

Paypal (PYPL) closed at $58.26 in the latest trading session, marking a -1.8% move from the prior day.

Paypal (PYPL) Stock Sinks As Market Gains: Here's Why

Estee Lauder

EPAM Systems

Hormel Foods

Kenvue

NIKE

VeriSign

Is the market set to continue heading higher? Or after a tremendous run, are the bulls finally running out of steam?

7 S&P 500 Stocks to Buy on the Dip: June 2024

Gigacloud Tech

Oscar Health

For those hoping to profit from future development, figuring out which prospective tech stocks to buy is essential in the ever-changing world of investing prospects. These three exceptional businesses represent tenacity, inventiveness, and strategic vision in their respective fields.

3 Tantalizing Tech Stocks Ready to Make Millionaires in 2026

Block

If you're scouting for fintech stocks to buy, now is the right time to hop in. The fintech space is ripe with potential.

3 Fintech Stocks to Buy if You Are Looking to Build Wealth

Macroeconomic tailwinds could work in this beaten-down growth stock's favor as consumer behavior adjusts.

1 Undervalued Growth Stock Down 81% You'll Regret Not Buying on the Dip

PayPal has improved the EPS growth trajectory and is showing the same EPS growth momentum it had pre-pandemic. Between 2015 and 2019, the EPS grew from 0.8 to 2.1 which is equal to 22% CAGR and the recent EPS growth projections show a similar trend line. PayPal is investing close to $5 billion annually on buybacks which should improve EPS growth by 8%-10% on a standalone basis.

PayPal Can Deliver A Big Surprise In EPS Growth

Goldman Sachs analyst Will Nance assumed PayPal Holdings PYPL with a Neutral rating and a price target of $69.

News for PayPal Stock (PYPL)