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

Earnings data Q3 2021

Earnings data Q4 2021

Earnings data Q1 2022

Earnings data Q2 2022

Earnings data Q3 2022

Earnings data Q4 2022

Earnings data Q1 2023

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Earnings data Q1 2024

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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 is not performing nearly as well as it was just four years ago. However, the company is implementing various growth strategies.

1 Stock Down 74% That Could Make You Richer in 2024 and Beyond

Billionaires Paul Tudor Jones and Philippe Laffont both just reduced their stakes in Nvidia and bought PayPal shares. PayPal shares are cheap with the stock well off its highs.

Forget Nvidia. Two Billionaire Investors Just Cut Their Positions -- and They Both Bought the Same Fintech Stock.

Block

With Bitcoin ( BTC-USD ) prices gaining again, growth-focused investors may wish to turn their attention to the blockchain stocks, many of which may be trading at enticing valuations now that blockchain technology's applications outside of cryptocurrencies are starting to lose a bit of luster. Indeed, blockchain has plenty of potential beyond Bitcoin and the like.

3 Blockchain Stocks to Buy Now: May 2024

PYPL is trying to bounce back after three years of underperformance, and its valuation hitting rock bottom all-time lows after 80% sell-off. PayPal's first-quarter results show a 9% revenue increase and a 14% rise in Total Payment Volume, driven by enhanced features in Venmo and strategic market expansions. Bolstered by Fibonacci retracements and a positive Volume Price Trend, PayPal's stock is projected to reach $79 by the end of 2024, balancing bullish indicators with existing market volatility.

PayPal: Rewriting The Rules In A Transitional Year

PayPal's undemanding valuation does not align with its strong fundamentals and growth prospects. The company has a leading position in the digital payments industry and has grown through organic initiatives and acquisitions. While PayPal's growth has slowed in recent years, it remains highly cash generative and has a solid financial position.

PayPal: A Great Value For Long-Term Investors

The long-term growth of e-commerce and digital payments should propel PayPal for many years. PayPal generates sizable free cash flow that it uses to fund share buybacks.

Is PayPal a Millionaire Maker?

Albemarle

Warner Bros Discovery Inc

With the markets approaching 52-week highs, one is likely to think that all stocks are doing well. However, that's not the case.

3 Quality Value Stocks Poised for Comeback

In a recent 13F filing, Tudor Investment Corp., the investment firm founded by legendary trader Paul Tudor Jones revealed initiating a stake in PayPal Holdings Inc. (NASDAQ:PYPL), acquiring approximately 888,239 shares valued at $59.5 million during the first quarter of 2024. Alongside this equity purchase, the firm also acquired 64,800 Call Options on PayPal's stock.

Why Paul Tudor Jones is bullish on PayPal

StoneCo

Some sectors have positive tailwinds, and the industry size has swelled sustainably for a decade or more. However, during this period, the best stocks from the sector are not always surging higher.

3 Cheap Fintech Stocks to Buy Now: May 2024

Freeport-McMoRan

Good News (Finally!) in the Inflation Fight

Costco

Alphabet

Marriott

QUALCOMM

Synopsys

The Nasdaq stock exchange lists numerous corporations, and some of them present attractive long-term buying opportunities. While trades can make some money by correctly timing their buy and sell points, time in the market often beats timing the market.

7 Cheap Nasdaq Stocks to Buy Now: May 2024

Mastercard

Visa

Aurora Cannabis

Canopy Growth

Cronos Group

Tilray Brands

When Ellis Soodak was planning the launch of Verdi Cannabis dispensary in New York City, he didn't want to face the dangers his father did at the family's liquor store in the 1970s and 80s.

Card payments remain a ‘challenge' for legal cannabis as major banks avoid the sector. Changing classification won't help.

Most of the money that goes into PayPal's Venmo is transferred out within 10 days. The company wants its debit cards to motivate users to keep money on its platform without losing the ability to pay for offline purchases.

PayPal Is Struggling: Here's What Its New CEO Finds "Unacceptable"

PayPal Holdings (NASDAQ: PYPL ) has been in a slump since 2021. The fintech firm's latest results suggest a positive change.

Buy PayPal Stock as the Comeback Takes Shape

The market's optimism for PayPal Holdings, Inc.'s Q1 beat and raise last week has faded swiftly, highlighting investors' ongoing concerns about execution risks ahead. In addition to ongoing uncertainties in the macroeconomic environment, PayPal also faces elevated competition from the Fed's introduction of FedNow, which risks thwarting Venmo's monetization efforts. However, we believe PayPal's raised guidance remains conservative, with additional upside likely as the year progresses with the general availability roll-out of strong-performing new features like Fastlane.

PayPal: Still Disrupting Or Getting Disrupted?

Trimble

U.S. equities, especially undervalued software stocks, appear to be in rally mode. As of the end of Wednesday's trading session, the tech-heavy Nasdaq Composite has risen 2.37 percentage points in the last month.

The 3 Most Undervalued Software Stocks to Buy in May 2024

PayPal's transformation is just starting. PayPal blew expectations out of the water in Q1.

PayPal Stock Is a No-Brainer Buy Right Now

NIKE

PayPal remains a dominant force in the fintech arena. Nike is struggling but has a plan to regain its mojo.

3 Stocks That Can Help You Get Richer in 2025 and Beyond

Coinbase

Why does everyone love investing in fintech companies? It's probably because most of us can see how flawed the traditional finance system is.

The 3 Most Undervalued Fintech Stocks to Buy in May 2024

Boeing

Alibaba

Intel

Lululemon Athletica

McDonald's

Finding opportunities amid volatility is crucial for those pursuing growth and stability when uncertainty clouds the market. The first company, a fintech giant, leads with increasing revenue growth, transaction volume, and strategic international expansion.

7 Undervalued Stocks Ready to Skyrocket from Their Yearly Lows

Baidu

Newell Brands

Starbucks

With the Federal Reserve gearing up for a potential rate-cutting cycle, the economy could see a dramatic transition in the coming months. While a market downturn remains a possibility, many of these beaten-down stocks are unlikely to plummet further from their current depressed levels.

7 Once-in-a-Decade Buying Opportunities to Seize Now

Watching PayPal's (NASDAQ: PYPL) stock price implode has been painful to see. A stock that was trading at $310.40 in 2021 has crashed by about 80% to the current $64.45.

PayPal stock price analysis: PYPL has formed a risky pattern

PayPal reported solid first quarter results and the stock is still undervalued. But without a clear catalyst, it could take quite some time before the stock is moving higher again.

PayPal: Still Waiting For Sentiment To Improve

Johnson & Johnson

Oracle

Most investors are well aware that the S&P 500 was down 1.6% at the end of April. However, the ongoing earnings season and the promise of at least one rate cut later in the year have helped stocks keep momentum.

The 3 Most Undervalued S&P 500 Stocks to Buy in May 2024

In a column about PayPal (NASDAQ: PYPL ) published on Oct. 19, 2023, I wrote that “PYPL stock trades at bargain-basement levels and has a new, up-and-coming CEO. Additionally, I believe the Street is overly worried about threats to PayPal's dominance.

News for PayPal Stock (PYPL)