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's stock is trading at its cheapest level ever, with a forward price-to-earnings ratio of 11.3x and price-to-free cash flow of 11.5x, making it the most discounted among competitors. Despite a decline in stock price, PayPal's revenue and net income keep growing, and this creates the opportunity to buy back shares at attractive prices to reward shareholders. The new CEO, Alex Chriss, has made his first appearance in the earnings call and showed the steps he is going to take to re-accelerate profitable growth.

PayPal: It's Probably The Best Time Ever To Buy

SoFi Technologies

Visa

The financial sector has had a tough time since the beginning of 2023. With inflation and the banking crisis, it has been tough for banks and financial companies to win the trust of consumers.

Fintech Front-Runners- 3 Smart Stocks to Snap Up Now

Lovesac Company

Walgreens

Investing great Warren Buffett's success can at least partially be attributed to portfolio concentration. An outsized percentage of my invested assets are currently being put to work in a relatively small number of my top investment ideas.

I Own 46 Stocks -- but These Are the 3 I Can't Stop Buying in 2023

Adyen NV

Block

Fintech has effectively ushered in a new era with groundbreaking solutions in the financial space. Digital payments, peer-to-peer lending, and user-friendly online investment platforms are efficiently transforming traditional banking.

The 3 Leading Fintech Stocks Disrupting Traditional Banking

Amazon

Shopify

For eCommerce platforms — with Amazon and PayPal among the most visible examples — checkout is evolving as part of the glue that holds ecosystems together.

Ecosystems Expand as Shopify, PayPal and Amazon Point to Streamlined Checkout's Potential

PayPal's 3Q earnings report shows strong growth in total payment volume and sales, despite a decline in net new active accounts. The company is cutting costs and has a strong guidance for 2023, making it a cheap stock with undervalued profit growth. The technical setup for PayPal stock has improved, with a breakout expected to reach at least $66.77.

PayPal Holdings: Set For A Breakout

Alibaba

Let's look at some stocks and how they're priced after everything has shaken out for the year.

2 Cheap Stocks to Buy for a 2024 Rebound

Etsy

PayPal is the market leader in online payment processing, creating a path to sustainable revenue growth as e-commerce becomes more prevalent. Etsy is the sixth-most-visited online marketplace in the world, and product development efforts could accelerate growth as economic conditions improve.

Wall Street Says the S&P 500 Can Move Higher: 2 No-Brainer Growth Stocks to Buy With $100 Right Now

Advanced Micro Devices

Chevron

Disney

Penn Entertainment

Palantir Technologies

In the tumultuous sea of the stock market, navigating waves of uncertainty often demands a keen eye for resilient investment opportunities. Amid market dips and fluctuations, strategic choices can be the life raft that keeps portfolios afloat.

Bargain Bonanza: The Top 7 Stocks to Snap Up During Market Dips

PayPal's stock has been decimated over the past couple of years. The company is still posting solid growth numbers.

Could Warren Buffett and Berkshire Hathaway Be Buying PayPal Shares Right Now?

PayPal (NASDAQ: PYPL ) is an appealing investment driven by strong growth and impressive profitability. PYPL stock's new CEO, Alex Chriss, has implemented effective cost-cutting strategies, enhancing operational efficiency and potentially attracting larger investors, which could boost PayPal's stock value.

PYPL Stock Remains an Intriguing Risk/Reward Pick Right Now. Here's Why.

PayPal and SoFi Technologies are two of the most innovative financial companies in the world.

Best Stocks to Buy: PayPal Stock vs. SoFi Stock

As more bill payments, purchases and subscriptions become parts of household routines, there is a growing desire among consumers for a unified, single, everyday app that smoothly combines banking, shopping and personal activities.

European Consumers Trust PayPal More Than Banks to Provide an Everyday App

Brookfield Renewable Partners

Five Below

In 2024, UBS expects disinflation and rising unemployment to impact economic output, prompting the Federal Open Market Committee to implement proactive rate cuts. The FEderal Open Market Committee designed the initial cut to prevent the nominal funds rate from becoming overly restrictive amid falling inflation, with subsequent cuts later in the year to counteract economic weakening.

3 Undervalued Stocks to Triple Your Money

KeyCorp

QUALCOMM

PayPal may be ancient compared to its competitors, but this old lion still has plenty of fight left. Wireless chipmaker Qualcomm is in the right place at the right time, taking aim at a new market.

3 No-Brainer Discount Stocks That Smart Investors Are Scooping Up

In the ever-evolving world of financial technology, fintech stocks have recently hit a rough patch. Marred by operational misalignments and the crippling impact of rising interest rates, many of these stocks now find themselves near 52-week lows.

The 3 Most Undervalued Fintech Stocks to Buy Now: November 2023

PayPal stock is trading at 6-year lows — something or someone needs to turn it around. Enter Alex Chriss. He delivered a resounding earnings call, which could be summed up in just two simple, yet powerful, words. Meanwhile, PayPal trades at a P/E Ratio of just 11x.

PayPal: One Big Asymmetrical Bet

PayPal reported solid earnings results earlier this month. Despite a decline in active accounts, PayPal continues to grow its business at a high single-digit rate. The company's stock has momentum on its side, but the decline in customers nevertheless poses a long-term risk to the bullish thesis.

PayPal Q3: Why I Just Bought The Stock (Rating Upgrade)

PayPal has named three new executives as it divides its business into three new units. The payments giant on Wednesday (Nov.

PayPal Names New Execs and Creates New Business Units

Coinbase

Interactive Brokers

Bitcoin has more than doubled this year, helping stocks like Coinbase Global, Inc. (COIN), Interactive Brokers Group, Inc. (IBKR), PayPal Holdings, Inc. (PYPL) and Block Inc. (SQ).

4 Crypto Stocks in Focus as Bitcoin Rallies Past $35,000

Isabel Cruz appointed EVP, Chief People Officer  Michelle Gill appointed EVP, General Manager, Small Business and Financial Services Group  Diego Scotti appointed EVP, General Manager, Consumer Group and Global Marketing & Communications  SAN JOSE, Calif. , Nov. 15, 2023 /PRNewswire/ -- PayPal Holdings, Inc. (NASDAQ: PYPL) today announced senior leadership changes that underscore the company's commitment to building a high-performing organization, serving its customers, and driving profitable growth.

PayPal Announces Executive Leadership Changes

PayPal is continuing to report solid results while the stock is continuing to decline to new lows. With a new management team of CEO and CFO coming in, it seems likely that PayPal will follow a new strategy in the coming quarters. When trying to find reasons to justify the stock price decline, we could mention increased competition and consumer spending slowing down.

PayPal: Don't Be Annoyed, Be Grateful

PayPal's Q3 results showcased a significant revenue increase to $7.4 billion, marking an 8% YoY growth, surpassing prior quarter performance and analysts' forecasts. Despite a slightly conservative forecast for Q4, PayPal expects 6-7% revenue growth and a 10% rise in non-GAAP EPS. PayPal's international expansion and growth outside the U.S., particularly in Europe and Asia, are positive signs for long-term growth.

PayPal: The Market Is Wrong

Albemarle

Match Group

When it comes down to it, all investing and trading is about nothing more than buying low and selling high. Ideally, you want to find stocks with as much upside as possible and just ride the wave.

Capitalizing on value: 3 undervalued stocks ready for resurgence

PayPal Holdings, Inc. stock price has declined by 11% in the last quarter, which provides even better buying opportunities. The company has several strong competitive advantages, which will highly likely allow the company to build more value for shareholders. My valuation analysis suggests the stock is more than two times undervalued.

News for PayPal Stock (PYPL)