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 Q1 2022

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Earnings data Q1 2023

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Earnings data Q4 2023

Earnings data Q1 2024

Earnings data Q2 2024

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

Shares of the online payments company are historically cheap at 2.5 times sales. If PayPal's active user base stabilizes, that valuation multiple could easily double.

What Will PayPal Stock Be Worth in 2025?

PayPal's (PYPL) first-quarter results benefit from growing transaction, U.S. and international revenues.

PayPal (PYPL) Q1 Earnings & Revenues Beat Estimates, Rise Y/Y

PayPal delivered strong Q1 results, with $7.7 billion in revenue and $1.40 of non-GAAP EPS. The market is warming up to PayPal, with shares increasing by 37% since October 2023. PayPal faces risks such as regulatory compliance, competition, and cybersecurity threats, but its leadership and growth potential are promising.

PayPal Delivered In Q1 And Market Sentiment May Finally Be Changing

PayPal Holdings, Inc. NASDAQ: PYPL is one of the global leaders in the financial solutions sector. PayPal's earnings for the first quarter of 2024 were recently released, offering valuable insights into PayPal's financial performance and strategic direction.

PayPal's Strong Earnings Growth and Strategic Evolution

PayPal's Q1 earnings showed improvements in the transaction business and a beat-and-raise in EPS guidance. The company is focused on stabilizing its platform dynamics and driving growth in transaction processing volume. PayPal's focus on profitability remains steady, with growth in operating income and adjusted EPS.

PayPal Q1 Earnings: Enterprise Partnerships, Customer Adoption Driving Higher Transaction Volume

PayPal (PYPL) shares gained close to 2% Tuesday after the electronic payments provider reported results for the first quarter that beat estimates and raised its full-year earnings guidance as its payment volumes and transactions climbed.

Here's What You Need To Know About PayPal's Earnings Beat

Active accounts declined slightly year over year as competition increased, but they grew by 2 million quarter over quarter. Robust growth in payment volumes underscores PayPal's enduring transactional appeal.

PayPal Posts Mixed Q1 Results

PayPal (NASDAQ: PYPL ) is favored in the current market. Despite slowing user growth, it remains profitable with consistent 8% revenue growth, and earnings continue to expand at a rapid pace (up 27% this past quarter).

PayPal Stock's Earnings Surprise: Time to Bet on the Fintech Giant?

The stock price of the digital payment platform PayPal (NASDAQ: PYPL) is poised to extend its positive 2024 run after reporting better-than-expected earnings.

PayPal stock surges after earning report; Can PYPL breakout?

PayPal Holdings Inc. (NASDAQ:PYPL ) Q1 2024 Earnings Conference Call April 30, 2024 8:30 AM ET Company Participants Alex Chriss - President, Chief Executive Officer Jamie Miller - Executive Vice President, Chief Financial Officer Ryan Wallace - Head of Investor Relations Conference Call Participants Tien-Tsin Huang - JP Morgan Darrin Peller - Wolfe Research Timothy Chiodo - UBS Ramsey El-Assal - Barclays Jason Kupferberg - Bank of America Mike Ng - Goldman Sachs Bryan Keane - Deutsche Bank James Faucette - Morgan Stanley Operator Good morning. My name is Sarah and I will be your conference Operator today.

PayPal Holdings (PYPL) Q1 2024 Earnings Call Transcript

PayPal's transactions per active account grew by double digits in the latest quarter, and debit spending boosted results, while easier, faster checkout boosted conversions. Total payment volumes were up 14% to $403.9 billion in the quarter, the company said in its most recent earnings supplementals, released Tuesday (April 30).

PayPal Branded Checkout Total Payment Volumes Jump 7%, Debit Drives Incremental Transactions

While the top- and bottom-line numbers for Paypal (PYPL) give a sense of how the business performed in the quarter ended March 2024, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.

Paypal (PYPL) Reports Q1 Earnings: What Key Metrics Have to Say

Paypal (PYPL) came out with quarterly earnings of $1.40 per share, beating the Zacks Consensus Estimate of $1.20 per share. This compares to earnings of $1.17 per share a year ago.

Paypal (PYPL) Tops Q1 Earnings and Revenue Estimates

PayPal earnings rose 27% under a new accounting methodology. PayPal stock jumped, signaling a move past a consolidation buy point.

PayPal Earnings Pop 27% Under New Reporting Method. PayPal Stock Is Set To Break Out.

PayPal Holdings, Inc., the American multinational fintech company just released its earnings report today for the first quarter of FY24. The company's Q1 net revenues increased 9% to $7.7 billion.

PayPal Q1 earnings: net revenues rise 9% as focus on cost saving, reinvesting grows

PayPal Holdings Inc (NASDAQ:PYPL, ETR:2PP)'s revenues increased 9% to $7.7 billion in the first quarter compared to the same period in the previous year. The global online payments processor's statutory earnings per share (EPS) rose by 18% to $0.83, while adjusted EPS increased by 27% to $1.08.

PayPal's quarterlies hit the mark, but valuation faces steep road to recovery

PayPal raised its full-year adjusted profit forecast on Tuesday, as the payments giant benefited from robust consumer spending, while measures to cut costs improved operating margins in the first quarter.

PayPal lifts 2024 profit forecast as spending stays resilient, margins improve

PayPal Holdings Inc.'s earnings look a bit different this time around, but they still reflect the company's efforts to cut costs.

PayPal boosts its earnings forecast as cost savings are paying off

SAN JOSE, Calif. , April 30, 2024 /PRNewswire/ -- PayPal Holdings, Inc. (NASDAQ: PYPL) today announced its first quarter 2024 results for the period ended March 31, 2024.

PayPal Reports First Quarter 2024 Results

Crown Castle International

Molson Coors Brewing

You may have heard whispers that Warren Buffett has a secret portfolio outside of Berkshire Hathaway (NYSE: BRK-A , NYSE: BRK-B ). This lesser-known holding company is called New England Asset Management, where Buffett oversees a relatively small but intriguing collection of investments.

3 Secret Warren Buffett Stocks You Haven't Heard of for Multibagger Gains

PayPal Holdings Inc (NASDAQ: PYPL) has returned about 20% since early February but a Deutsche Bank analyst is convinced the stock could gain further in coming weeks.

Is PayPal stock a ‘buy' ahead of Q1 earnings

When PayPal reports Q1 earnings on Tuesday, investors will be looking for more signs that its new CEO, Alex Chriss, is making the right moves.

PayPal Earnings Due As Wall Street Waits For Turnaround

Blackbaud

CommVault Systems

Microsoft

Pinterest

Here is a sneak peek into how four software stocks, PYPL, BLKB, CVLT and PINS, are expected to fare in their quarterly results slated to be released on Apr 30.

What's in Store for These 4 Software Stocks This Earnings Season?

PayPal's (PYPL) first-quarter results are expected to reflect gains from its strength in Venmo, checkout experiences and BNPL solutions.

Should You Consider PayPal (PYPL) Ahead of Q1 Earnings?

InvestorPlace‘s Omor Ibne Ehsan recommended fintech stocks, which “have been Wall Street's wallflowers for what seems like an eternity now.” I agree 100%, as they can sprout in the right conditions.

News for PayPal Stock (PYPL)