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 is working on a new consumer app for its mobile customers, and suggested that it will be “ready” to take advantage of the new EU regulation, the Digital Markets Act (DMA), when it goes into effect next month for tech “gatekeepers,” like Apple.

PayPal suggests it will be ready to offer ‘offline' payments when DMA goes into effect

PayPal (NASDAQ: PYPL ) stock is sinking 9% as of this writing after the firm estimated that its profit would be flat this year compared with 2023. This news is troubling some investors and has spurred Morgan Stanley to cut its price target on PYPL stock.

Morgan Stanley Just Cut Its Price Target on PayPal (PYPL) Stock

Execution is key; the stock will eventually follow.

Why Is PayPal Stock Down After Earnings?

PayPal Holdings Inc. hit the reset button once again, and its shares were tumbling in Thursday's premarket trading as some on Wall Street continued to express skepticism about the ease of the company's turnaround.

PayPal hits reset, but stock slides as the ‘existential question' lingers

Alphabet

Home Depot

Microsoft

Scotts Miracle-Gro

As 2024 is already well underway, and spring is arriving next month, the stock market is performing above expectations, and stock traders and investors are wondering which of these assets, in particular, present an optimal investment and a good opportunity to buy in the months to follow.

ChatGPT picks 5 stocks to buy for spring of 2024

PayPal Holdings Inc (NASDAQ:PYPL, ETR:2PP)'s share price took a near-10% hit in pre-market trading on Tuesday after the firm posted weaker-than-expected guidance in its final quarter results. Diluted earnings should come in at US$5.10 per share over the coming year, the payment system giant said in a post-close statement on Wednesday, below market expectations for US$5.49.

PayPal shares decline as weaker guidance disappoints

Strategists are lowering estimates for PayPal after the company issued disappointing guidance.

PayPal Analysts Lower Estimates After Weak Guidance. The Stock Is Dropping.

PayPal shares fell nearly 9% in premarket trading on Thursday after it forecast a flat adjusted profit for 2024, disappointing investors who had hoped the payments firm's newly appointed CEO will reignite its growth.

PayPal shares fall as 2024 forecast clouds promise of turning leaner, more profitable

Shares in digital payments giant PayPal Holdings, Inc. (PYPL) tumbled 8% in after-hours trading Wednesday after the company issued a weaker-than-expected outlook as it undergoes a transformation to drive future growth.

PayPal Stock Slides as Company Transformation Weighs on Guidance—Key Price Levels to Watch

PayPal Holdings, Inc. (PYPL) Q4 2023 Earnings Call Transcript

Disney

Wynn Resorts

This marks the fifth-straight earnings beat for Disney, which matches the five quarters since CEO Bob Iger returned to his post.

Disney, PayPal, Wynn Resorts All Outperform on Earnings, Sales

Slowing growth. A churning of inactive accounts.

PayPal CEO Calls 2024 a ‘Transition Year' Amid Churn and Slowing Growth

Although the revenue and EPS for Paypal (PYPL) give a sense of how its business performed in the quarter ended December 2023, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.

Compared to Estimates, Paypal (PYPL) Q4 Earnings: A Look at Key Metrics

Paypal (PYPL) came out with quarterly earnings of $1.48 per share, beating the Zacks Consensus Estimate of $1.36 per share. This compares to earnings of $1.24 per share a year ago.

Paypal (PYPL) Surpasses Q4 Earnings and Revenue Estimates

PayPal reported Q4 earnings that topped estimates. PYPL stock dipped as total payment volume processed from merchant customers edged by views.

PayPal Earnings Beat. Payment Volume Edges By Estimates Amid Apple Worries

PayPal reported fourth-quarter financials that topped analysts' estimates but provided guidance that came in slightly below Wall Street expectations.

PayPal issues disappointing guidance even as fourth-quarter earnings top estimates

PayPal's forecast of flat growth in adjusted profit for the current year overshadowed a market-beating earnings report, sending shares of the payments giant down 5% in extended trading.

PayPal sees flat profit in 'transition year', shares fall

SAN JOSE, Calif. , Feb. 7, 2024 /PRNewswire/ -- PayPal Holdings, Inc. (NASDAQ: PYPL) today announced its fourth quarter and full year 2023 results for the period ended December 31, 2023.

PayPal Reports Fourth Quarter and Full Year 2023 Results

When big-named investors make their positions public, the investing public tends to take notice. That certainly appears to be the case today with PayPal (NASDAQ: PYPL ), as Altimeter Capital's Brad Gerstner announced a position in the fintech giant via a post on X (formerly Twitter).

Altimeter Capital Is Betting Big on PayPal (PYPL) Stock

PayPal Holdings Inc.'s new management pleased investors three months back with its strategic vision for the future. But when PayPal next reports results Wednesday afternoon, Wall Street may be looking for more than just talk.

PayPal earnings: Can company shake the image of being a ‘melting ice cube'?

Amazon

SAP SE

Block

Rent the Runway

While no one wants to be on the business end of a downsizing, for investors – particularly folks interested in tech stocks – the matter presents a possible nuanced opportunity. To be sure, when the pink slips fly, there's usually a reason for it.

Lean and Mean: 7 Tech Stocks to Buy Amid Sector Downsizing

SoFi Technologies

Visa

The fintech sector is always evolving, and is one of the most important aspects of the economy. While it has suffered during inflation and the high interest environment, things are looking a lot better now.

3 Must-Buy Fintech Stocks to Add to Your Portfolio This Month

The expectations are low for the undervalued fintech company.

PayPal Reports Earnings Today. This Is What Investors Should Expect.

PayPal's valuation is relatively cheap considering its top- and bottom-line growth.   Because PayPal lacks strong differentiation, other players are able to come in and grab market share from it.

Paypal Stock: Bull vs. Bear

Pinterest

The market has been tough on some pandemic favorites, but share price only tells you so much. Pinterest is leveraging the power of AI to drive better advertising decisions.

News for PayPal Stock (PYPL)