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

With its transaction growth rates slowing and less than expected revenue guidance for the balance of the year, PayPal focused on its repositioning from peer-to-peer pioneer to two-sided payments technology platform in its Q3 earnings call Tuesday (Oct. 29).

PayPal Q3: Transaction Volume Up 9%, but Revenue Projections Fall Short

PayPal Holdings (PYPL) shares slumped Tuesday after the payment services provider missed third-quarter sales estimates and gave weak guidance as the company moves ahead with its "price-to-value" strategy.

PayPal Revenue, Outlook Affected by Firm's Price-To-Value Plan

JP Morgan analyst Tien-tsin Huang maintained an Overweight rating on PayPal Holdings, Inc PYPL.

PayPal's Solid Transaction Growth Boosts JP Morgan's Confidence, Yet Q4 Revenue Guidance Dampens Enthusiasm: Analyst

Why Is PayPal Stock Down After a Good Earnings Report?

PayPal Holdings, Inc. (NASDAQ:PYPL ) Q3 2024 Earnings Conference Call October 29, 2024 8:00 AM ET Company Participants Steve Winoker - Chief Investor Relations Officer Alex Chriss - President & CEO Jamie Miller - EVP & CFO Conference Call Participants Darrin Peller - Wolfe Research Tien-Tsin Huang - JP Morgan Ramsey El-Assal - Barclays Jason Kupferberg - Bank of America Dan Dolev - Mizuho Timothy Chiodo - UBS James Faucette - Morgan Stanley Harshita Rawat - Bernstein Trevor Williams - Jefferies Bryan Keane - Deutsche Bank Andrew Schmidt - Citi Operator Good morning, and welcome to PayPal's Third Quarter 2024 Earnings Conference Call. My name is Sarah, and I will be your conference operator today.

PayPal Holdings, Inc. (PYPL) Q3 2024 Earnings Call Transcript

PayPal stock is falling Tuesday after the payments giant reported mixed third-quarter results, but most of Wall Street remains bullish.

Is PayPal Stock Still a Buy After a Revenue Miss?

While the top- and bottom-line numbers for Paypal (PYPL) give a sense of how the business performed in the quarter ended September 2024, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.

Paypal (PYPL) Reports Q3 Earnings: What Key Metrics Have to Say

Paypal (PYPL) came out with quarterly earnings of $1.20 per share, beating the Zacks Consensus Estimate of $1.08 per share. This compares to earnings of $1.30 per share a year ago.

Paypal (PYPL) Q3 Earnings Top Estimates

Brunswick

Builders FirstSource

Are you familiar with the term “shareholder yield?

3 Dividends With More than 5% Yields to Buy in November

The fintech beats quarterly earnings estimates and boosts a financial forecast for the fiscal year.

PayPal Stock Falls on Mixed Earnings. Management Is Focused on Profitable Growth.

PayPal Holdings Inc (NASDAQ:PYPL, ETR:2PP) shares fell over 6% in pre-market trading on Tuesday after results showed third-quarter earnings topped expectations but revenue underwhelmed. Per-share adjusted earnings came in at $1.20 for the three months to September, PayPal said on Tuesday, against LSEG-compiled consensus estimates of $1.07.

PayPal shares sink as revenue and guidance underwhelm

PayPal earnings for Q3 beat estimates. PayPal stock fell as Q4 revenue guidance missed amid pricing initiatives at mobile subsidiary Braintree.

PayPal Earnings Beat. PayPal Stock Falls On Weak Revenue Outlook Amid Braintree Pivot

PayPal's fourth-quarter revenue view came in below expectations. The company said it's focusing on “profitable growth.

PayPal boosts profit outlook, but its stock falls after earnings

PayPal forecast fourth-quarter revenue below estimates on Tuesday as the digital payments company shifts its focus to higher-margin businesses from aggressive expansion, sending its shares down 6.6% before the market open.

PayPal forecasts Q4 revenue below estimates as profit push puts growth behind

SAN JOSE, Calif. , Oct. 29, 2024 /PRNewswire/ -- PayPal Holdings, Inc. (NASDAQ: PYPL) today announced its third quarter 2024 results for the period ended September 30, 2024.

PayPal Reports Third Quarter 2024 Results

PayPal reported better-than-expected third-quarter earnings on Tuesday, but revenue came in slightly below expectations. It's the first earnings report for CEO Alex Chriss since he hit his one-year anniversary at the company last month.

PayPal beats on earnings but misses on revenue

PayPal Holdings Inc PYPL will be reporting its third-quarter earnings on Tuesday. Wall Street expects $1.07 in EPS as the company reports before market hours.

PayPal Bulls Stand Firm: Will Q3 Earnings Trigger A Pullback?

PYPL's third-quarter 2024 earnings are likely to reflect an improving Total Payment Volume along with an expanding clientele.

Will Solid Total Payment Volume Aid PayPal's Q3 Earnings?

Heading into its Q3 earnings report, PayPal stock has been on a roll, as Wall Street embraces the strategy of new CEO Alex Chriss.

PayPal Earnings Due. Wall Street Eyes 2025 Catalysts Amid Big Run.

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PYPL stock is benefiting from a strong portfolio, rich partner base and expanding features.

Is PayPal Stock a Buy, Sell or Hold Before Q3 Earnings Report?

PayPal's growth is driven by Venmo's user engagement, omnichannel payments, AI-leveraged advertising, and cryptocurrency integration, despite regulatory and competitive challenges. Regulatory risks from CFPB's new BNPL rules and the upcoming presidential election could impact PayPal's operational costs and regulatory landscape. Despite competition from Stripe and Square, PayPal's innovations and strong financial performance, including increased free cash flow and EPS growth, support a 'Buy' rating.

PayPal Q3 Earnings Preview: Innovations Fuel Growth Despite Competitive Pressures

Should you invest in this out-of-favor fintech stock?

Could Buying PayPal Stock Today Set You Up for Life?

The payments company is joining other finance firms in the vast market for customer data.

PayPal Knows Your Pants Size---and Will Share It With Marketers

Beyond analysts' top -and-bottom-line estimates for Paypal (PYPL), evaluate projections for some of its key metrics to gain a better insight into how the business might have performed for the quarter ended September 2024.

News for PayPal Stock (PYPL)