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 Q4 2021

Earnings data Q1 2022

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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

The Street's worries about PayPal (NASDAQ: PYPL ) stock are way overdone. Eventually, these concerns, pushing the shares down 80% from their August 2021 high of $289, will become much less intense, enabling PYPL stock to soar far above its current levels.

As Wall Street Worries About PayPal Stock, You Should Be Buying!

Johnson & Johnson

Visa

Not all of the major stock indexes have reached new highs, which means bargains still abound for opportunistic investors. Most online brokerages have shelved commission fees and minimum deposit requirements, which is great news for everyday investors.

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Affirm

SoFi Technologies

Financial technology has become the focal point of our economy. Consumers are losing faith in traditional banks and fintech companies are making the most of it.

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ACM Research

Block

In the investment space, the tech sector perennially beckons with promises of growth, innovation, and transformative potential. Among the myriad choices, three tech gems emerge as luminaries, painting a canvas of possibility in the investment realm and turning your $1,000 into a fortune.

3 Surprising Stock Gems to Turn Your $1,000 Into a Fortune

CRISPR Therapeutics

Palantir Technologies

PayPal remains a top fintech company in a massive industry that keeps growing. Palantir's business has turned a corner and is now profitable.

3 No-Brainer Growth Stocks to Buy for Less Than $100

Archer-Daniels-Midland Company

Albemarle

NextEra Energy

Verizon

As the curtain closed on 2023 with most stocks rallying, fueled by the anticipation of a potential Federal Reserve interest rate cut, investors are eagerly eyeing the opportunities that 2024 might bring. Notably, the past year witnessed an improved performance across various stocks, with many rebounding from losses incurred in 2022.

ChatGPT picks 5 undervalued stocks to watch at the start of 2024

Tesla

Elon Musk emerges as one of the most accomplished entrepreneurs, with a substantial net worth of around $251.3 billion as of December 31, 2023. Naturally, investors are intrigued by Musk's investment strategies.

Revealed: Elon Musk's investment portfolio in 2023

PayPal stock's worst decline may be over, but it still faces stiff resistance at the $66 level, potentially losing upward momentum. PayPal faces significant challenges from Apple and other competitors in the branded space and from Stripe and Adyen in the unbranded space. PayPal is implementing a strategy to enhance competitiveness, but the company may need to invest more aggressively to rejuvenate growth.

PayPal: Don't Keep Hanging On To A Poor Call

A new CEO could bring renewed focus to PayPal's strategic vision. If the Fed cuts rates, PayPal could benefit from stronger consumer spending.

3 Undebatable Reasons 2024 Could Be This Stock's Best Year Ever

There seem to be more analysts pounding the table for PayPal (NASDAQ: PYPL ) stock today than ever before. The stock is pretty beaten down.

Why Are They Pounding the Table for PayPal Stock Heading Into 2024?

With 2023 in the books, we now set our sights ahead to 2024. What type of market will it be? Will the bull market continue?

2 Stocks I Think Will Double in 2024

Wise exhibits a robust financial performance, with a remarkable 132.1% revenue growth from 2018 to 2024, showcasing its financial resilience and stability. Despite facing challenges like recent interest payouts on deposits and potential competition risks, Wise strategically positions itself to navigate hurdles, reflecting adaptability and forward-thinking management. The creation of multiple financial models supports the investment appeal, projecting a fair price averaging $11.87 and a future target of $21.94, translating into an impressive annual return of 21.35%.

Wise: The Best Alternative To PayPal  (Upgrading To Buy)

PayPal's stock has underperformed the market while leading in key high-growth markets, growing its core business metrics, accelerating share repurchases, decreasing operational expenses, and divesting ancillary businesses. Declining transaction margins and competition from Apple Pay are concerns for PayPal's stock. The leading risk for PayPal is a global recession, but the stock is still undervalued and has numerous tailwinds.

PayPal: Compelling Bull Case, Crumbling Bear Case

PayPal Holdings, Inc. stock is still trading below pre-Covid levels despite solid ongoing growth. The digital payments company still maintains solid growth metrics and has the potential for reacceleration due to product innovation from a new executive management team. The stock is crazy cheap at only 11x '24 EPS targets while earnings are growing at a far faster clip due to cheap stock buybacks.

PayPal: Working Off The Bottom

Alphabet

As we close out the year and investors look at Tax Loss Harvesting, today we will discuss 3 options to buy. All 3 stocks offer a combination of growth while also trading at a reasonable valuation. In a time when stocks appear inflated as a whole, today, we look at 3 undervalued positions.

3 Undervalued Stocks I Am Buying

PayPal (NASDAQ: PYPL ) stock is down over 16% YTD. Its revenue has consistently been growing in the past 5 years, from $15.45 billion in 2018 to $27.51 billion in 2022, representing a 12.24% 5-YR CAGR.

Down Almost 20% in 2023, Is PayPal Stock Now a Screaming Buy?

PayPal stock has confounded investors because of its cheap valuation throughout 2023.

Where Will PayPal Stock Be in 2 Years?

PayPal is taking advantage of its cheap stock by repurchasing shares. The company has grown steadily since the shares hit their all-time high in 2021.

Where Will PayPal Be in 5 Years?

Diageo

Prudential Financial

Prudential Financial is a rock-solid insurance business that is coming off a rough patch for its bond-heavy balance sheet. Diageo operates a recession-resistant business while trading at a decent price.

3 Bargain Stocks You Can Buy Today and Hold Forever

Builders FirstSource

Enphase Energy

SurgePays

As stock markets evolve, discerning tomorrow's millionaire-makers among a sea of investment options becomes a strategic pursuit. The landscape is teeming with companies showcasing exponential growth trajectories and disruptive market approaches.

Wealth Builders: 7 Must-Buy Stocks for Tomorrow's Millionaires

Fintech giant PayPal has had a significant shift in management.

Why PayPal Stock Could Be Set to Have an Amazing 2024

PayPal is a leading company in the digital payment marketplace. This market is anticipated to grow significantly up until at least 2032 and PayPal is set to take a significant portion of that market. PayPal has a history of strong performance, a solid financial position and has a bright future ahead.

PayPal: Asymmetric Risk Makes It A Clear Buy

Diamondback Energy

T-Mobile US

On Dec. 19, the NASDAQ 100 hit 16,772.71, an all-time high, with plenty of Nasdaq 100 stocks to buy. Up 53% year-to-date due to its surge in 2023, it is the tech-heavy index's best annual return since 2009.

3 Stocks to Buy as the Nasdaq 100 Hits New All-Time High

PayPal's revenue is rising, but there is weakness on the bottom line and a decline in active accounts for the third quarter in a row. Despite the recent mixed results, PayPal's overall growth and cash flows are impressive, and shares are attractively priced. The decline in active accounts is the only factor holding back a more bullish stance on the company, but a return to growth could lead to an upgrade in the future.

PayPal Deserves To Be Trading A Lot Higher Right Now

Deere & Company

Verizon is a telecom leader with a single-digit P/E ratio and massive dividend yield. PayPal has been tossed out by the market, but cash flow is headed in the right direction.

News for PayPal Stock (PYPL)