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

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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

PayPal has a consensus rating of buy among Wall Street analysts, and the price target set by Morningstar implies 120% upside from its current share price. PayPal is the market leader in online payment processing, meaning its future growth should at least keep pace with e-commerce sales.

A Bull Market Is Coming: 1 Magnificent Growth Stock to Buy Before It Soars 120%, According to a Wall Street Analyst

Coinbase

Interactive Brokers

NVIDIA

Block

Stocks like NVIDIA Corporation (NVDA), Coinbase Global (COIN), Block (SQ), Interactive Brokers Group (IBKR) and PayPal Holdings (PYPL) are likely to benefit in the near term form the Bitcoin rally.

Bitcoin to Shine in 2024: Are These 5 Stocks on Your Radar?

It is no secret that technology stocks outperformed for most of 2023 despite fears of a coming recession brought on by the FED's hawkish stance and their aggressive interest rate hikes. Gaps become clear when comparing the Technology Select Sector SPDR Fund NYSEARCA: XLK and its performance against the S&P 500 on a year-to-date basis.

Could PayPal stock suddenly rally after FED pivots?

PayPal would fit right in with other fintechs Berkshire owns. New management may be one caveat to this argument.

Will Warren Buffett Buy This Fintech Stock in 2024? Signs Point to Yes

PayPal is a leading online payment platform with a strong business presence.

PayPal: Operational Challenges Ahead, But Exceptionally Undervalued

PayPal enters 2024 with a newly appointed CEO looking to turn around a stagnating stock price.

Should Investors Buy PayPal Stock for 2024?

I have perfected the art of multitasking.

PayPal: The Online Payments Friction Fighter That Became Friction

SolarEdge Technologies

PayPal is the market leader in online payment processing. SolarEdge recently expanded into solar storage and electric vehicle charging.

2 No-Brainer Growth Stocks to Buy Now With $100 and Hold Through 2024 (and Beyond)

Airbnb

Adobe

Amazon

CrowdStrike

dLocal Ltd

Alphabet

MercadoLibre

UiPath

Taiwan Semiconductor Manufacturing

Generative AI is a widespread theme in my 2024 picks. There are multiple stocks valued at a discount to their historical average.

Here Are My Top 10 Stocks for 2024

PayPal's lucrative business model results in lots of free cash flow. The stock is extremely cheap right now.

PayPal Is a Smart Stock to Buy on the Dip, but There's 1 Warning

PayPal is generating all-time high revenue, but its cash flow has gone down. The company launched a new product in 2020 that hurt profitability, and now it's looking to a partner for help.

I've Held PayPal Stock Since It Went Public in 2015. Here's Why I Might Sell in 2024.

PayPal (NASDAQ: PYPL ) stock definitely hasn't been a winner in 2023. Does this mean it's time for bargain hunters to start investing in PayPal?

Warning! Why Now Is NOT the Time to Buy PayPal Stock.

Intel

IonQ

Economists' outlooks of avoiding a recession now seem likely with CPI inflation down to 3.1% for December 2023, marking a slight decrease from the previous month of 3.2%. In light of the recent CPI index data, 67% of economists now believe the economy will not sink into a recession over the next coming year.

The 3 Most Undervalued Quantum Computing Stocks to Buy in December

Former PayPal President and CEO Dan Schulman will leave the company's board of directors at the end of the year.  Schulman, who has served on the board since 2015 and served as president and CEO from 2015 to 2023, will depart from the board effective Dec. 31, PayPal said in a Thursday (Dec. 14) press release.

Former PayPal CEO Dan Schulman to Leave Board Dec. 31

SAP SE

PayPal and SAP have launched an expanded integration to simplify digital payments for SAP customers. The collaboration involves the creation of a digital payments plug-in for the PayPal Braintree platform, which is built on SAP Business Technology Platform (SAP BTP), the companies said in a Thursday (Dec. 14) press release.

PayPal and SAP Partner to Simplify Digital Payments for Businesses

Former PayPal Holdings Inc. PYPL, +0.23% Chief Executive Dan Schulman is leaving the company's board on Dec. 31, PayPal said late Thursday. In August, PayPal named Alex Chriss as president and CEO, effective Sept.

Former PayPal CEO Schulman to leave board Dec. 31

Opendoor

SoFi Technologies

LendingTree

Fintech stocks are up today with investors celebrating recent news from the Federal Reserve concerning interest rates. The big announcement that has investors excited is no more interest rate increases in 2023.

Why Are Fintech Stocks Up Today?

Corsair Gaming

Fiverr

Marvell Technology

Okta

Teladoc

ZoomInfo Technologies

Undeniably, unless some catastrophic black swan event materializes, 2023 will go down as the year of tech stocks to buy. Let's not even start to argue the point.

Silicon Surge: 7 Tech Stocks Poised for a Bullish Comeback

Luminar Technologies

SharkNinja Inc

Undervalued long-term stocks are must-haves for any portfolio. They're typically defined by trading below their inherent market value.

The 3 Most Undervalued Long-Term Stocks to Buy in December

PayPal's execution hasn't been great recently. The company has been repurchasing shares at an aggressive pace.

Prediction: 2024 Will Be PayPal's Rebound Year

TORONTO--(BUSINESS WIRE)--Plooto, a leading payment automation solution for small-to-midsize businesses (SMBs), welcomes fintech leaders Carol Haverty and Esther Krabbe Silveira to its executive team. Bringing extensive experience with major financial services companies, they join Tamar Kassoff, previously of Varo Bank, who was hired earlier this year as VP of Growth Marketing. Together, they contribute to Plooto's ongoing commitment to customer-centric product innovation and market expansion.

Plooto bolsters executive team with seasoned fintech leaders from PayPal and Xero

PayPal is putting profitability back into the driver's seat of its growth story under the leadership of its new CEO Alex Chriss. The stock's resilience despite PayPal's slashed guidance for 2023, the Venmo-Amazon breakup, as well as recent market volatility in response to mixed market data on the labour market underscores confidence. Looking ahead, PayPal remains well-positioned to benefit from a V-shaped recovery.

PayPal: The Blueprint To Reaching $85

Albemarle

Alibaba

Bilibili

Bristol-Myers

Farfetch

JD.com

KeyCorp

Investors should consider tax-loss selling before December ends to offset capital gains. Two characteristics to consider for selling stocks are stocks bought at a higher price and broken companies with weak long-term prospects. Stock grades, sentiment, and fundamentals assessed.

News for PayPal Stock (PYPL)