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

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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

PayPal Holdings on Monday expanded an e-commerce platform targeting small businesses. PayPal stock fell amid the launch, as Shopify also slipped.

PayPal Expands E-Commerce Platform For Small Businesses, Shopify Stock Falls

PayPal Holdings Inc. PYPL, -1.49% is hoping to cater to new types of marketplaces through its Commerce Platform, which the company announced at the Money20/20 Europe conference on Monday morning.

PayPal announces new Commerce Platform

Alibaba

Shopify

These three e-commerce companies are growing much faster than eBay.

Ignore eBay: Here Are 3 Better Stocks

Block

SQ stock or PayPal stock? SQ and PYPL are high-quality companies, but one is certainly stronger than the other.

Should Investors Buy Square Stock or PayPal Stock?

General Mills

Iron Mountain

The stock charts of PYPL, GIS and IRM stock are knocking on the door of key technical lines in the sand. Here's everything you need to know.

3 Big Stock Charts for Thursday: General Mills, Iron Mountain and Paypal

Paypal (PYPL) reported earnings 30 days ago. What's next for the stock?

Paypal (PYPL) Down 0.3% Since Last Earnings Report: Can It Rebound?

PayPal stock is a long-term winner, but whether it offers investors the most value for the money in the payment industry remains in question.

PayPal Stock Will Move Higher, but There Are Way Better Choices

eBay

These two takeaways from PayPal's most recent earnings call highlight the company's strong execution.

PayPal Management Talks Venmo and eBay

Alarming trade war talk on Friday has PayPal stock under pressure, but PYPL’s actions off and on the price chart point to continued profit.

PayPal Stock Will Continue to Ring the Register for Investors

PayPal is delivering extraordinary financial performance.

PayPal: Spectacular Growth And Reasonable Valuation

JPMorgan Chase & Co

Overall, in the battle for the the digital wallet, SQ stock and PYPL stock look like buys here. Banks inherently aren't as nimble as tech companies.

In the War for Your Digital Wallet, Bet on Tech Stocks All the Way

PayPal and Venmo are both great services depending on what the customer wants. Here are the differences between the two popular money apps.

PayPal vs. Venmo: What's the Difference?

Shares of Paypal Holdings Inc (NASDAQ: PYPL) have gained nearly 25 percent over the past year and 45 percent since December, but BTIG says the stock remains undervalued.

BTIG Says PayPal Remains Undervalued

PayPal revolutionized the digital payments space, and despite numerous new entrants in the field, this stalwart remains at the top of the industry.

PayPal's Top Companies and Brands

BTIG analyst Mark Palmer increased his price target on shares of PayPal Holdings Inc. to $130 from $114 on Monday.

PayPal price target hiked to $130 at BTIG on Venmo, engagement opportunities

Guidewire Software

SS&C Technologies Hlds

Market-cap weighted performance of fintech companies have been better than FAANG stocks since early 2016. Fintech stocks are even expected to stay ahead of FAANG stocks through 2021.

4 Fintech Stocks Investors Will Love This May

The secret to PayPal's massive increase in market value growth has been the relationship between the growth of its TPV, the "Take Rate" and PayPal's Market Value.

Why PayPal's Stock Will Double In 5 Years

Is  (PYPL) Outperforming Other Computer and Technology Stocks This Year?

Has PayPal Holdings Outpaced Other Technology Stocks?

These stocks could still be in the early stages of their growth stories.

Top Fintech Stocks to Buy Right Now

Three reasons why PayPal's "true" revenue growth might be higher than it appears.

PayPal's Hidden Growth Potential Makes It a Buy

From humble beginnings to Silicon Valley lore, this digital payments pioneer has survived countless rivals and changed the way we shop forever. But does that make it a good investment today?

The Complete PayPal Stock History

The payments giant has fine-tuned its immensely successful partnering strategy by adding an equity component to its deal-making.

PayPal Is Shifting Its Revenue Strategy

Management provided new details on Venmo's popularity and revenue growth.

PayPal's Peeling Back the Curtain on Venmo

Uber’s announcement of its IPO pricing earlier today came with a $500 million belated Easter egg.

PayPal makes a big marketplace play with its $500M investment in Uber

Two massive investments by PayPal in the past few months put it in a better position to compete on a global scale.

News for PayPal Stock (PYPL)