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

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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 is a tech company with zero net debt and exploding free cash flow. I believe that the stock is fairly valued, and investors today will enjoy the free cash flow.

PayPal: Buy For Growth And Valuation, Stay For The Future Cash Flow

PayPal now owns 100% of GoPay, a China-based digital payments platform.

How PayPal's Presence in China Could Help the Company Grow

The company plans to build on its momentum from last year with new products.

5 New PayPal Products Coming in 2021

Premium stock price aside, this is one of the best deals in the digital payments space.

How Risky Is PayPal Holdings Stock?

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PayPal Holdings said Friday (Feb. 5) its payments app Venmo was being investigated over allegations of unauthorized fund transfers and collections processes. The company told Reuters that it is cooperating with the U.S. Consumer Financial Protection Bureau (CFPB) civil investigation demand.

PayPal Cooperating With CFPB On Venmo Investigation

PayPal operations in India are drawing to a close as the company makes plans to exit the domestic payments market in the country, according to an Economic Times report on Friday (Feb. 5). The move is intended to streamline operations in India's cutthroat market for online payments.

PayPal Exiting Competitive Indian Payments Market

The mobile and online payment leader saw total payment volume increase 39% in Q4.

PayPal Surges After Posting Huge Fourth Quarter

PayPal's total payment volume (TPV)  spiked 36% year over year (YoY) on an FX-neutral basis in Q4, reaching a record-breaking $277 billion.

PayPal announces its biggest volume quarter yet as it eyes 2021 crypto expansion

PayPal Holdings Inc (NASDAQ: PYPL) CEO Daniel Schulman announced during an earnings call this week his firm's intent to expand the functionality of Venmo, a mobile-friendly payments app. What Happened: Venmo is a holistic platform for payments and money transfers.

PayPal-Owned Venmo To Add Crypto, Savings, Deal-Finding Functionalities

PayPal Holdings Inc said on Friday it received a civil investigative demand from the U.S. Consumer Financial Protection Bureau related to its app Venmo's alleged unauthorized fund transfers and collections processes.

PayPal says app Venmo being investigated by U.S. consumer watchdog

PayPal is shutting down its domestic business in India, less than four years after the American giant kickstarted local operations in the world's second largest internet market. “From 1 April 2021, we will focus all our attention on enabling more international sales for Indian businesses, and shift focus away from our domestic products in India.

PayPal is shutting down domestic payments business in India

The shares of PayPal Holdings Inc (NASDAQ: PYPL) have received a price target increase from $350 to $375 by Mizuho. These are the details.

PYPL Stock Price: $375 Target (Up From $350) By Mizuho

Diane Keng of Breinify joined the podcast this week to discuss AI trends driving growth in the retail and the e-commerce sectors. Plus, MarketSmith's Scott St. Clair analyzed three stocks that recently reported earnings: PayPal stock, QRVO stock and QCOM stock.

Should You Buy PayPal After Earnings? Plus, AI Trends Driving E-Commerce Growth

PayPal Holdings Inc. is on track to close the day with a market capitalization above $300 billion for the first time Thursday after the payments company beat earnings expectations for its latest quarter and gave an upbeat forecast for user growth.

The Ratings Game: PayPal valued at over $300 billion for the first time

The Venmo mobile payments app is going to look very different in 2021 as it inches closer to neobank territory with expansions into budgeting, saving, bill pay and cryptocurrency, said Venmo parent company PayPal, during its fourth-quarter earnings on Wednesday. The company also plans to put its $4 billion Honey acquisition to work by integrating […]

Venmo to gain crypto, budgeting, bill pay, and Honey integrations this year

Wednesday was a calm day for Wall Street, but a sensational one for PayPal (NASDAQ: PYPL) after it reported strong results and lit the market during after-hours trading. PayPal's profit tripled, pushing earnings way past estimates and stock 3-4% up.

The Future Looks Bright For PayPal

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Shares of PayPal climbed on Thursday after the company announced a standout quarter, tripling profits amid the increasing adoption of digital payments. PayPal posted a net income of $1.57 billion for the quarter that ended in December, more than tripling the $507 million it earned in 2019. The company's GAAP earnings per share also jumped to $1.32 beating consensus estimates by $0.66 per share.

PayPal shares climb as quarterly profits triple amid increasing use of digital payments (PYPL)

PayPal (PYPL) beat fourth quarter top- and bottom-line estimates, underpinned by strong revenue growth.

PayPal (PYPL) Surges to All-Time High on Strong Quarter

PayPal stock rose after the e-commerce firm reported earnings and revenue that topped estimates amid the Covid-19 pandemic. PayPal is investing in new products to offset loss of eBay business.

PayPal Stock Pops As Digital Payment Firm Rallies On 2021 Guidance Despite EBay Headwinds

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PayPal posted fourth-quarter results Wednesday (Feb. 3) that showed continued tailwinds under the rise of digital, and, specifically, contactless payments. Total payments volume stood at $277 billion across 4.4 billion transactions.

PayPal Hits 377 Million Active Accounts In 2020; Q4 PayPal Credit TPV Hits $750 Million

PayPal Holdings, Inc. (PYPL) CEO Dan Schulman on Q4 2020 Results - Earnings Call Transcript

News for PayPal Stock (PYPL)