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

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Earnings data Q4 2021

Earnings data Q1 2022

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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

SoFi Technologies

Visa

The financial technology (fintech) sector, a vital area for top fintech stocks, is currently being propelled forward by rapid technological advancements. Experiencing significant growth, the sector is expected to witness its global transaction value soar by a remarkable 94% to $9.2 trillion by 2027.

3 Fabulous Fintech Stocks That Could Soar in 2024

PayPal's stock has underperformed the S&P500 due to declining active accounts, declining margin, and lower take-rates. But these trends are not as bad as they seem. There is potential for Mr. Market to regain enthusiasm for PayPal due to healthy growth in TPV and new executive leadership. PayPal's business is solid and expected to continue growing revenues and earnings, with over 20% EPS growth expected in the medium to long term.

PayPal: There's Value In The Stock

Wondering how to pick strong, market-beating stocks for your investment portfolio? Look no further than the Zacks Style Scores.

Here's Why Paypal (PYPL) is a Strong Momentum Stock

PayPal's new CEO is convinced he can turn this ship around. But can he?

Amazon Removes PayPal's Venmo. Is This a Bad Sign?

PayPal appears to be bottoming out from a technical perspective. The news that Amazon will no longer accept Venmo for payments is not expected to have a significant negative impact on PayPal. The bullish technical set-up, strong expected revenue and earnings growth, and a low valuation equal a rising stock price in 2024.

PayPal Stock May Have Finally Found The Bottom (Technical Analysis)

Bank of America

Alphabet

Johnson & Johnson

AT&T

Warren Buffett has overseen a nearly 20% annualized return for his company's Class A shares (BRK.A) since taking the reins in the mid-1960s. Thanks to an acquisition 25 years ago, Berkshire Hathaway owns a specialty investment firm with over $600 million in invested assets -- i.e.

5 Phenomenal Stocks in Warren Buffett's "Secret" Portfolio That Are Screaming Buys in 2024

PayPal has lost Wall Street's confidence. But a new CEO is quickly implementing changes.

1 Magnificent Stock to Buy That Is Near Its 52-Week Low

Twilio

Twilio has pivoted and turned toward profitability. PayPal has a large customer base and new management with a clear vision.

2 No-Brainer Stocks to Buy Right Now for Less than $70

Amazon

The news that Amazon will stop taking Venmo payments prompts much speculation as to the why behind it all, roughly 14 months since the 90 million active Venmo customers in the U.S. began to be able to use the option on Amazon (though they can still use Venmo credit and debit cards).

Venmo's Growth Was Steady in the Quarters Leading to Amazon's Discontinuance

Amazon.com Inc (NASDAQ:AMZN) will no longer allow customers to use Venmo to pay for purchases on its eCommerce site, sending shares of the PayPal Holdings Inc (NASDAQ:PYPL)-owned payments company lower on Thursday.  In an email to customers, Amazon said Venmo will no longer be an accepted payment method as of January 10, 2024.

Amazon drops Venmo as payment option sending parent company PayPal's shares lower

PayPal (NASDAQ: PYPL ) stock is having a rough 2023, as competition in the digital payments industry intensifies. Where it used to have the field to itself against traditional credit card and debit card payments, consumers now have a cornucopia of digital and peer-to-peer payment options.

PayPal Stock Is Down 20%. Is It Finally a Buy?

C3.ai

Sarepta Therapeutics

Rare disease treatment developer Sarepta Therapeutics is now collecting the reward for years' worth of R&D. The artificial intelligence software market is entering a high-growth decade.

My Take: 4 Strong Growth Stocks to Buy This Week

Mastercard

Blue-Chip Resilience: 3 Stocks Defying Market Trends

Venmo will no longer be a direct payment option on Amazon.com Inc.'s site beginning in mid-January, the companies said.

Amazon will no longer offer Venmo payment option beginning in January

Amazon is dropping Venmo as a payment option next month, the PayPal owned mobile payment service announced on its website. The official announcement comes as Amazon notified users last night via email that Venmo will no longer be accepted on Amazon.com starting January 10, 2024.

Amazon will no longer accept Venmo as a payment option starting next month

PayPal unit Venmo will be removed as a payment method by Amazon in early January. One analyst sees “no material impact.

Amazon Drops Venmo as a Payment Option. PayPal Stock Is Dropping.

Amazon is set to stop taking payments via PayPal-owned Venmo in the coming weeks. “Due to recent changes, Venmo can no longer be added as a payment method,” Venmo said on its website Thursday (Dec. 7).

Amazon Will Discontinue Venmo Payments in January

Amazon announced last October it would add Venmo as a payment method at checkout, giving shoppers more options to pay for their purchases.

PayPal shares slide after Amazon drops Venmo as payment option

Ford Motor Company

Paypal stock is down sharply from the pandemic peak but is still generating strong profits. Ford offers a dividend yield near 6% and its core business is still growing.

Got $2,000? Here Are 2 Beaten-Down Growth Stocks to Buy Right Now

American Tower

CRISPR Therapeutics

CrowdStrike

Lovesac Company

Okta

Vertex Pharmaceuticals

Western Digital

There has been no shortage of next-big-thing trends for investors to latch onto over the past three decades. Some of this year's hottest trends, including artificial intelligence (AI) and electric vehicles (EVs), could falter in 2024.

5 Unstoppable Trends to Invest $1,000 in for 2024

PayPal has appointed Fiserv executive Suzan Kereere as its new global markets president. Kereere, who will take the role beginning Jan. 1, will be responsible for leading the company's local businesses and growth strategies in markets around the world, PayPal said in a news release provided to PYMNTS Wednesday (Dec. 6).

PayPal Names Fiserv Veteran Suzan Kereere as Global Markets President

PayPal Holdings Inc (NASDAQ: PYPL) has gained nearly 20% over the past five weeks but a Bank of America analyst is not too excited about the digital payments stock for 2024. BofA analyst shares view on PayPal stock On Wednesday, Jason Kupferberg downgraded the financial technology giant to “neutral”.

PayPal stock receives a downgrade from the Bank of America

Toast

PayPal Holdings Inc. shares are on track to suffer their third down year in a row, but BofA Securities analyst Jason Kupferberg doesn't see an easy return to their former glory.

PayPal, Toast shares hit with downgrades — but other payments picks have shine

Dollar Tree

PayPal is a top payment processor, but rising competition has made investors overly concerned. Dollar Tree has faced multiple headwinds, but several catalysts could strengthen its growth next year.

2 Growth Stocks That Can Bounce Back in 2024

PayPal Holdings Inc (NASDAQ:PYPL) is slightly lower in premarket trading after Bank of America downgraded the online payments firm to "neutral" from "buy," saying new CEO Alex Chriss could put the company at risk of a "transition year.

News for PayPal Stock (PYPL)