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

Earnings data Q2 2023

Earnings data Q3 2023

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

PayPal Executive Vice President and Chief Enterprise Services Officer Aaron Karczmer will leave the company on April 30. The company and Karczmer entered into a separation agreement on Wednesday (Feb. 7), PayPal said in a Monday (Feb. 12) filing with the Securities and Exchange Commission (SEC).

PayPal Chief Enterprise Services Officer Aaron Karczmer to Leave Company

Blackrock Inc

Spotify

An economic recession could finally be brewing worldwide, as suggested by over 100,000 layoffs in 2024. January's year-over-year (YoY) inflation rate exceeded expectations at 3.1%, as reported on February 13, worsening the scenario.

Recession incoming: Over 100,000 layoffs announced in 2024

PayPal Holdings Inc.'s latest outlook confirmed that 2024 will be another year of transition, and one analyst is moving to the sidelines on its stock after that commentary.

PayPal's stock lands a downgrade as earnings growth gets ‘difficult to envision'

Investors weren't pleased with the guidance PayPal's management team provided. PayPal continues to grow its payment volume, supporting the company's network effects.

Here Are 3 Phenomenal Reasons to Buy PayPal Stock Right Now

Occidental Petroleum

Pfizer

Occidental Petroleum could have a brighter future than many expect. PayPal's business is surprisingly strong for a company that some view as a fintech has-been.

Contrarian Plays: 3 Stocks Going Against the Grain That Could Deliver Huge Gains

PayPal provided investors with information critical in evaluating the stock.

Massive News for PayPal Stock Investors

PayPal reported fourth quarter results and while the results were solid, guidance was rather disappointing. Despite declining active accounts and declining gross margins, PayPal still has a wide economic moat around its business in my opinion. And the stock remains deeply undervalued - even when calculating with rather cautious growth assumptions.

PayPal: How Long Can The Market Be Wrong?

Karczmer, who joined PayPal in May 2016, is to leave April 30.

PayPal Enterprises Services Chief Karczmer to Depart

PayPal's earnings forecast for 2024 disappointed stock market investors.

Should Investors Buy PayPal Stock on the Dip?

The PYPL stock's pre-earning performance has exceeded expectations, with the management's weak FY2024 guidance unfortunately reversing its upward momentum. However, with the October 2023 bottom holding up, we believe that the fintech's consistent profitability and healthy balance sheet may convince long-term shareholders to remain optimistic. PYPL investors only need to patiently wait out the transitionary period, since multiple growth initiatives/ layoffs have already been introduced by Q1'24.

PayPal: Overly Punished For Prudence And Growth Initiatives - Maintain Opportunistic Buy

PayPal, once a favorite among high-growth investors, has struggled with a slowdown in revenue growth. Shares now trade at their cheapest levels in history.

PayPal Stock Can Return to Rapid Growth With Killer New Features Like This

PayPal's Q4 FY2023 results showed a slight decrease in growth but still beat consensus estimates, reflecting solid financial results amidst organizational changes. PYPL's strategic priorities include accelerating growth in branded checkout, driving profitable growth in PSP services, and focusing on small business solutions. The Company's opportunity to expand its ecosystem and become a data-driven 'super-app' could fuel growth acceleration in the medium term.

PayPal Stock: The Market Got It Wrong

PayPal disappointed investors with its latest quarterly update, which caused the stock price to fall.

Where Will PayPal Stock Be in 2026?

ARM Holdings PLC

People like to throw around the term bubble a lot when the market goes up a large amount in a short time. But is it really a bubble or did they just miss out on the action? I usually say it's the latter.

2 Stocks I'm Avoiding as Markets Hit New All-Time Highs

Trade Desk

Texas Instruments

The Nasdaq 100 is a stock market index comprised of the largest non-financial companies listed on the Nasdaq stock exchange. Many investors refer to it as an index of the 100 largest technology companies in America.

The 3 Most Undervalued Nasdaq 100 Stocks to Buy in February 2024

The company is going through a transition period.

PayPal Stock Investors Should Know This Before Selling

PayPal reported quarterly earnings that beat expectations on the top and bottom lines. The company's 2024 guidance was disappointing to investors.

1 Stock I'm Buying Hand Over Fist in February Despite Wall Street's Pessimism

What have you done for me lately? That's the approach this PayPal Holdings (NASDAQ: PYPL ) stock forecast will consider.

PYPL Stock Forecast: A PayPal Turnaround IS Coming. Just Not This Year.

PayPal reported solid Q4 results but sees flat earnings growth this year. The company is investing in and improving its technology.

Why PayPal Stock Was Moving in the Wrong Direction Again This Week

Is PayPal getting ready to offer “offline” payments? The company seems to be indicating a move in that direction as new European Union regulations go into effect for its partner Apple, per a report Thursday (Feb. 8) by TechCrunch.

Report: PayPal Explores Offline Payments as DMA Looms

Paypal (NASDAQ: PYPL ) has had it rough. In putting together this PYPL stock forecast, I decided to look at the broader sector.

PYPL Under Pressure: Is Now the Time to Bet on PayPal's Comeback?

PayPal Holdings Inc (NASDAQ:PYPL, ETR:2PP)'s lower-than-expected guidance did not deter Wedbush analysts on Thursday, who reiterated support on what they saw as encouraging steps being taken by the company. Shares fell over 10% after PayPal said in Wednesday's results that earnings should come in at US$5.10 per share for 2024, against market expectations of US$5.49.

PayPal's actions ‘encouraging' despite poor guidance - analysts

Ralph Lauren

Amid a flood of  quarterly earnings results , two reports stand out from the pack.

2 Stocks Making Sharp Post-Earnings Moves

PayPal delivered revenue and earnings that surpassed expectations. The company's guidance was worse than anticipated.

PayPal Beat Expectations, So Why Did the Stock Crash and Burn Thursday Morning?

PayPal's (PYPL) fourth-quarter results benefit from the growing transaction and other value-added services' revenues.

News for PayPal Stock (PYPL)