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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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

PYPL is facing fierce competition and may need to invest more money in innovations to differentiate its products. PayPal's weak moat and strong competition in the industry pose long-term challenges to the company's growth. I confirm my Hold rating on the stock.

PayPal Might Be A Value Trap For Long-Term Investors

PayPal Holdings, Inc. (NASDAQ:PYPL ) Morgan Stanley Technology, Media & Telecom Conference March 4, 2024 3:40 PM ET Company Participants Alex Chriss - President & CEO Conference Call Participants James Faucette - Morgan Stanley James Faucette All right. Welcome, everybody.

PayPal Holdings, Inc. (PYPL) Morgan Stanley Technology, Media & Telecom Conference (Transcript)

New management is cutting costs. PayPal must reinvigorate engagement with users.

PayPal Is Down 80%. Can Investors Finally Expect a Comeback?

Management seems to have a viable plan in place, and investors have some margin of safety now.

3 Reasons PayPal Stock Is a Buy Now

Aehr Test Systems

Li Auto Inc.

Riot Blockchain

Under Armour

United Continental Hlds

Vestas Wind Systems A/S

Interest rate cuts appear imminent in the coming months, though likely not as soon as March. However, I believe cuts could materialize in the second quarter or sometime thereafter.

7 Stocks to Buy ASAP Before Rate Cuts Send Them Soaring

Lemonade

Insurance disruptor Lemonade recently reported fourth-quarter results that looked incredibly strong, but the stock fell. PayPal is trading at a ridiculously low valuation, given its massive user base and financial flexibility.

2 Fintech Stocks That Are Screaming Buys in March

PayPal recently promised to buy back about $5 billion in stock in 2024. The shares are historically cheap and the company has plenty of free cash flow to spend.

3 Reasons PayPal Is Betting $5 Billion on Its Own Stock

Palo Alto Networks

Twilio

Post-earnings tech stocks are our topic for today. As the tech-heavy Nasdaq 100 has surged more than 5% year-to-date (YTD), investors are rigorously assessing companies with accelerated growth potential that may see a surge in price following recent earnings announcements.

3 Tech Stocks Poised for a Post-Earnings Surge in March

Ameriprise Financial

Amazon

Apollo Global Management

American States Water

Booking Hlds

Caterpillar

Cigna

Salesforce

Coterra Energy

EOG Resources

Global Payments

Humana

Lear

Lowe's

Magna International

National Fuel Gas

Novartis

PNC Financial Services

Shell PLC

Last week saw a rally in Nvidia stock, causing nervousness among value and income investors. There were opportunities to buy quality companies at good or even great valuations even during the tech bubble. Growth at a reasonable price (GARP) is one potential time-tested way to beat the market long term. Super GARP investing, combining GARP with quality screens, could be better.

20 GARP Blue-Chip Bargains To Buy Now

Affirm

Upstart Holdings

Upstart's growth will accelerate again as interest rates stabilize. Affirm still has a shot at disrupting traditional credit card companies.

2 Fintech Stocks to Buy Hand Over Fist and 1 to Avoid

Some traders panic-sold their PayPal (NASDAQ: PYPL ) shares after the company issued modest current-year revenue guidance. However, a thorough PYPL stock analysis indicates that this is a terrific dip-buying opportunity.

PayPal's AI Surprise: Why It's More Than Just a Fintech Stock

Adyen NV

Shift4 Payments

Robinhood

Nu Holdings

SoFi Technologies

Some fintech disruptors in the stock market are looking to disrupt the future of finance. These companies are leveraging cutting-edge technology to revolutionize how individuals invest, trade, and manage their finances.

Fintech Disruptors: 7 Growth Stocks That Will Revolutionize Finance

PayPal's recent quarterly earnings exceeded expectations, with solid revenue growth and a resilient operating margin. The turnaround conducted by the new management continues in line with the initial comments, which adds to my optimism. PYPL stock is currently almost 60% undervalued, presenting a compelling investment opportunity.

PayPal: The Turnaround Continues

Intel

Palantir Technologies

In investments, identifying blue-chip stocks with the potential for exponential growth is like sailing in the high tides of the North Sea. Here, three companies are identified as having a financial edge, a market lead, and rapid technological advancements.

3 Blue-Chip Powerhouses Set to 4X Your Investment by 2028

PayPal's Q4 earnings overshadowed by negative commentary, but the company delivered strong operational performance and revenue growth. Shares of PayPal have declined by -21.32% over the past year, but the company still represents an undervalued gem. Risks to investing in PayPal include bearish sentiment, legal and regulatory risks, competition, and cybersecurity threats.

PayPal: The Clock Is Ticking For Its Meta Moment To Appear

PayPal management said it wants to see results before raising expectations.

Q&A With Wall Street: PayPal Stock Analysis

Seeley brings over 25 years of global brand, digital, and performance marketing expertise to PayPal and its family of brands, including Venmo SAN JOSE, Calif. , Feb. 26, 2024 /PRNewswire/ -- PayPal Holdings, Inc. (NASDAQ: PYPL) today announced Geoff Seeley has joined the company as Chief Marketing Officer (CMO), reporting to Diego Scotti, Executive Vice President (EVP) and General Manager (GM) of Consumer Group and Global Marketing & Communications.

Geoff Seeley Joins PayPal as Chief Marketing Officer

PayPal is one of the largest e-commerce platforms in the world, with over 400 million active accounts. The company produces strong cash flow and boasts a healthy liquidity profile.

1 Fintech Stock to Buy in 2024 With 45% Upside, According to 1 Wall Street Analyst

PayPal is the market leader in online payment processing, and its recently redesigned branded checkout solution could help accelerate growth in the future. Salesforce is the market leader in customer relationship management software, and recent product innovation involving artificial intelligence could boost growth.

2 Growth Stocks to Buy Before They Soar 72% and 79%, According to Wall Street Analysts

With growing revenue and payment volume, sizable free cash flow, and network effects, it's hard not to be intrigued by PayPal. There's no doubt that the payments landscape is one of the most competitive, and ongoing industry changes will make things difficult for PayPal.

Going Bargain Hunting? PayPal Is the Best Beaten-Down Stock to Buy in 2024, but Only If You Believe 1 Thing.

Airbnb

dLocal Ltd

PayPal and Visa are at cheap price points compared to their history. Airbnb's share repurchases will boost the company.

News for PayPal Stock (PYPL)