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

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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

Some smart people have changed their minds on Paypal (NASDAQ: PYPL ) stock. Tipranks saw 2 of its 34 PayPal analysts announce upgrades this month.

Analyst U-Turn: The Rising Case for Investing in PayPal Stock Now

Vertex Pharmaceuticals

PayPal Holdings has faced multiple challenges, but it's now a bargain with a big comeback opportunity. Vertex Pharmaceuticals could soon have several new blockbuster drugs on the market.

Got $5,000? These Are 2 of the Best Growth Stocks to Buy Right Now

Block

Financial technology has the potential to disrupt the massive payments industry.

Better Stock to Buy: PayPal Stock vs. Block Stock

UiPath

UiPath's RPA software is seeing widespread adoption. PayPal's stock is incredibly cheap, and a new management team may be what it needs to kickstart a recovery.

2 Stocks Down 75% That Could Soar in 2024

Paypal (PYPL) reported earnings 30 days ago. What's next for the stock?

Why Is Paypal (PYPL) Up 4.6% Since Last Earnings Report?

NVIDIA

These industry leaders have one thing in common -- significant potential upside. PayPal is trudging the long road to recovery and the stock could double from here.

A Bull Market Is Coming: 2 Magnificent Growth Stocks to Buy Hand Over Fist Before They Soar 109% and 128% According to Wall Street Analysts

PayPal's risks may be overblown by the market.   Block's business continues to improve, and its stock remains deeply discounted.

2 Stocks Down More than 75% to Buy Right Now

PayPal (NASDAQ: PYPL ) is one of the most well-known and widely used online payment platforms in the world. Founded in 1998, PayPal started as a way to facilitate online transactions between individuals and businesses.

3 Reasons Why PYPL Stock Should Be in Your Portfolio

Fiserv Inc

Shift4 Payments

Mastercard

MercadoLibre

Visa

Wall Street is keeping an eye on issues like high inflation, high interest rates, and softening consumer demand. And at the same time, the sell-side community is focusing on the future, when it comes to deciding what are the top-rated fintech stocks.

7 Top-Rated Fintech Stocks That Analysts Are Loving Now

At the current valuation, PayPal stock is too good to pass up.

Is PayPal Stock a Screaming Buy Right Now?

SolarEdge Technologies

Certain Wall Street strategists believe PayPal and SolarEdge Technologies are poised to notch triple-digit returns over the next year. PayPal is the leader in online payment processing and its revenue could compound at 11% annually over the next decade, according to Morningstar.

A Bull Market Is Coming: 2 Growth Stocks to Buy Before They Soar 124% and 140%, According to Certain Wall Street Analysts

Paysafe

With the Black Friday shopping frenzy starting to die down, it might seem like an inopportune time to hunt for payment processing stocks to buy. But the growth story for digital payments worldwide is much larger than a single weekend.

3 Leading Payment Processing Stocks for Your Shortlist

PayPal and Stripe offer similar payment processing solutions for e-commerce retailers. PayPal has disappointed investors with slowing growth and not enough innovation.

Here's What Stripe's IPO Could Mean for PayPal Stock

NEW YORK , Nov. 28, 2023 /PRNewswire/ -- Pomerantz LLP is investigating claims on behalf of investors of PayPal Holdings, Inc. ("PayPal" or the "Company") (NASDAQ: PYPL). Such investors are advised to contact Robert S.

SHAREHOLDER ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of PayPal Holdings, Inc. - PYPL

Advanced Micro Devices

Broadcom

Disney

Intel

Verizon

In fast-paced stock market movements, the quest for breakout stars remains investors' ever-thrilling pursuit. Imagine a canvas where established giants spark an imminent market spectacle.

Blue-Chip Breakouts: 7 Established Stocks Ready for a Major Rally

PayPal's stock has dropped nearly 80%, but is still fundamentally strong. PayPal is particularly compelling due to the previous and future buyback potential and all-time low price-to-sales ratios. This is a stock that I hope flounders while the company deploys capital into buybacks. Strong buy alongside Block Inc. down 80%.

PayPal: Another 'Anti-Bubble' Steal

Roblox

Undervalued stocks to watch in the stock market today.

Top Stocks To Buy Now? 2 Undervalued Stocks In Focus

Affirm

Online shoppers spent a record $9.8 billion on Black Friday. Over the next two days, ‘Cyber Weekend', they spent an additional $10.3 billion.

Buy now, pay later stocks are a hot holiday item

SoFi Technologies

Visa and Mastercard are competitively advantaged companies with high levels of profitability. PayPal and Block shares are trading at ridiculously cheap valuations.

You Don't Have to Pick a Winner in Fintech. Here's Why

Chewy

Electronic Arts

Hasbro

SharkNinja Inc

Nintendo

Finding undervalued stocks to buy isn't as easy as it once was. When Benjamin Graham wrote The Intelligent Investor, finding undervalued stocks involved diving into financial statements, calculating ratios independently, and finding a gap between a company's intrinsic value and the stock priced by the market.

7 Undervalued Stocks to Pick Up BEFORE the Year-End Rally

Unity Software

Zoom Video

The allure of multibagger tech stocks often captivates the savvy investor's imagination. These are not just any tech stocks, they're the kind that have the potential to multiply an investment manifold.

3 Tech Stocks That Could Be Multibaggers in the Making

PayPal stock might look like an outstanding value to investors right now, but a closer look under the hood reveals a few challenges.

PayPal Stock Analysis: 3 Things Every Investor Should Know

The financial sector has positive momentum, but performance remains modest on a yearly basis. PayPal is a leader in the payment processing industry with a large user base, while Block has faced accusations of overstating its user count. The global payment processing solutions market is expected to considerably grow, with retail and e-commerce segments contributing the highest growth rate.

PayPal Vs. Block: Which Fintech Stock Is The Better Investment?

It has not been a good year in the markets for PayPal (NASDAQ: PYPL ). PYPL stock Is down nearly 26% in 2023 and more than 28% over the past five years.

Warren Buffett's Next Big Bet? Why PayPal Stock Might Be on Berkshire's Radar.

PayPal's unit economic metrics are declining due to competition, but it continues to generate good cash flow. I believe that PYPL's fair value has been boosted in Q3. Read on. As management focuses on qualitative growth, PYPL's net profit margin should also increase - I believe it could reach 20% again by FY2027. In the last 11 years, the company cut shares by 0.79% yearly. I expect PYPL to double this rate to 2% in the next 5 years, given its cheapness.

News for PayPal Stock (PYPL)