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 has appointed Srini Venkatesan, the former head of Walmart's U.S. Omni Platforms and Tech organization, as chief technology officer (CTO), effective Monday (June 24). Venkatesan will succeed PayPal's current CTO, Archie Deskus, who has decided to leave PayPal, the company said in a Thursday (June 20) press release.

PayPal Names Former Walmart Executive Srini Venkatesan as CTO

PayPal Holdings Inc PYPL is positioning itself to challenge e-commerce giants like Amazon.com Inc AMZN and Shopify Inc SHOP with its innovative Fastlane checkout solution. As Amazon holds 45% of the U.S. e-commerce market and Shopify commands 13%, PayPal is making strategic moves to increase its market share and boost revenues.

PayPal's Fastlane: A $250M Game-Changer In E-commerce Checkout

PayPal stock gave up most of its recent gains, falling below $60 again. Apple Pay's recent improvements have intensified PayPal's competitive challenges. PayPal needs to monetize faster with initiatives to improve its profitability growth infection from 2025.

PayPal: Still A Buy, But Patience Is Running Out

PayPal has hired one of Walmart's top tech executives Srini Venkatesan to head up the company's push into artificial intelligence as its new chief technology officer, the company told Reuters on Thursday.

PayPal hires Walmart exec as chief technology officer in AI push

SAN JOSE, Calif., June 20, 2024 /PRNewswire/ -- PayPal Holdings, Inc. (NASDAQ: PYPL) today announced the appointment of Srini Venkatesan as Chief Technology Officer (CTO), effective June 24, reporting to PayPal President and CEO Alex Chriss.

PayPal Names Srini Venkatesan as Chief Technology Officer

PayPal (NASDAQ: PYPL) stock price has remained under intense pressure in the past few weeks as concerns about competition continued. It has plummeted for six straight weeks as it moved to the lowest level since March 11th.

My last PayPal stock forecast was correct: what next?

Apple

The headlines moving the CE 100 Index this week were dominated by Apple's announcements at its developers conference that covered everything from AI to payments. And yet the tech behemoth's rise was blunted by declining names in other areas of the CE 100 roster, leaving the overall index 0.7% lower for the week.

Apple and PayPal Send Mixed Messages as CE 100 Index Slips 0.7%

Advance Auto Parts

PayPal's free cash flow is down over the last five years, and that's a problem that a new business venture might solve. Advance Auto Parts made a mistake in 2013.

These 2 Businesses Need Turnarounds. But Each Has a Potential Catalyst Coming That Could Send Shares Soaring.

PayPal stock trades at one of its cheapest valuations ever because investors don't expect it to meaningfully increase its cash flows. The company might prove the doubters wrong with a new initiative that looks to profit from the user base it already has.

I Sold My PayPal Stock in April. I'm Already Second-Guessing That Decision; Here's Why.

PayPal Holdings Inc. (PYPL, Financial) is just one of the many fintech companies that, over the past three years, have missed its numbers repeatedly. As one of the most popular payment companies offering ways to send and receive money securely, the company has sharply underperformed.

Impressive 1st-Quarter Results Spark PayPal's Comeback

Bank of America

NIKE

When traders decide to bet on stock options rather than lay their capital into buying straight shares, investors must notice two main implications of trading options rather than shares. First, options have an expiration date and a strike price, meaning whoever buys an option needs to get the direction (and magnitude of a move) and the timing right in the trade.

3 Stocks with Unusual Call Option Activity and High Buying Volume

Boeing

Tesla

When a stock looks beaten down enough, the imbalance of supply and demand oftentimes positions it just on the verge of a breakout. Many investors have a wealth-generating trading strategy by targeting these companies that seem overlooked by everyone around them.

3 Once-in-a-Lifetime Stocks on the Verge of a Serious Surge

Recent announcements in the world of payments underscore the challenges facing PayPal Holdings Inc., according to a BofA analyst

PayPal's competitive challenges are back in the spotlight, BofA says

Nu Holdings

Visa

The fintech space is brimming with promising stocks offering innovative new ways to approach finance. Digital banks continue to gain traction, presenting opportunities for sustained growth ahead.

The 3 Best Fintech Stocks to Buy in June 2024

CEVA

CRISPR Therapeutics

Chevron

LTC Properties

PepsiCo

Pixelworks

Because it's tied to one of the six leading causes of “finality,” stress represents a silent public health crisis. And few things cause heightened stress than dealing with you-know-what at work.

7 ‘FIRE' Stocks to Put You on the Path to Financial Freedom

BofA Securities analyst Jason Kupferberg maintained a Neutral rating on  PayPal Holdings, Inc.  PYPL at a price target of $74.

Apple & Mastercard's Move Have Raised The Competition For PayPal: BofA Analyst

Recent developments in the payments industry highlight the competitive intensity affecting PayPal Holdings Inc (NASDAQ:PYPL) said Bank of America. The bank, in a note where it maintained a 'neutral' rating on the stock and a price objective of $74 versus the last close at $64.77, cited recent industry announcements that "illustrated ongoing competitive intensity" faced by the San Jose, California company.

PayPal facing intense competition in what is a transition year, says this investment bank

Promising announcements, such as the ad business division and the Cash Pass features, could help the business improve its lagging revenue growth rates, which have suffered from a three-year decline. Apple's introduction of Tap to Pay, along with declining KPIs in active accounts and take rates, raises concerns about the company's market share going forward. Even with many company-specific risks, the stock is exhibiting a PEG of 0.24x in its valuation, indicating an asymmetrical risk profile that justifies a mid-term buy rating.

PayPal: Concerning Active Accounts Growth, But Extremely Cheap Valuation

Starbucks

Warner Bros Discovery Inc

Spotting comeback stocks is important since they frequently indicate underlying strength and the prospect of large returns. Fundamentally, these stocks can rise from their current lows to all-time highs.

3 Comeback Stocks Set to Reclaim Their Crown

PayPal Holdings, Inc. (NASDAQ:PYPL ) RBC Financial Technology Conference Call June 11, 2024 12:00 PM ET Company Participants Jamie Miller - Executive Vice President and Chief Financial Officer Conference Call Participants Daniel Perlin - RBC Capital Markets Operator Welcome, Daniel Perlin, Analyst, RBC Capital Markets; and Jamie Miller, Chief Financial Officer, PayPal Holdings. Daniel Perlin All right.

PayPal Holdings, Inc. (PYPL) RBC Financial Technology Conference - (Transcript)

Diamondback Energy

Kraft Heinz

After last year's monstrous 53% gains the Nasdaq 100 is at it again in 2024. Year-to-date (YTD) the popular index is up another 13%.

The 3 Most Undervalued Nasdaq 100 Stocks to Buy: Summer 2024

Morgan Stanley

Progressive

Financial stocks can help provide diversification to your investment portfolio. Progressive and Morgan Stanley are two blue chips that benefit from an expanding economy.

3 No-Brainer Financial Stocks to Buy Right Now for Less Than $500

Alibaba

Verizon

Billionaire hedge fund managers aggressively bought a Chinese tech stock, a pioneering fintech stock, and a giant telecom stock in Q1. All three stocks sport attractive valuations.

Billionaires Are Buying These 3 Undervalued Stocks. Should You?

The sentiment around the stock is slowly changing.

Good News for PayPal Stock Investors

PayPal is going to leverage its massive data bank to start selling advertisements. This is a financially successful company that possesses network effects.

News for PayPal Stock (PYPL)