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

Affirm

American Express

Fidelity National Information

Western Union

Affirm Holdings, American Express, Fidelity, PayPal and The Western Union are included in this Analyst Blog.

The Zacks Analyst Blog Affirm Holdings, American Express, Fidelity, PayPal and The Western Union

PayPal is set to launch an ad business, starting in the US. The company intends to offer ads across its own properties, as well as other retailers.

PayPal just opened a new ad business. The exec leading it unpacks the plan to link advertisers with its trove of transaction data.

These five mobile payments stocks have strong growth potential for the rest of 2024 and 2025. These are: AFRM, AXP, FIS, PYPL, WU.

Buy 5 Mobile Payment Stocks and Hold for Long-Term to Reap Benefits

PayPal Holdings Inc (PYPL, Financial) has recently captured the attention of investors and financial analysts alike, thanks to its strong financial performance and promising growth prospects. With its shares currently priced at $80.93, PayPal Holdings Inc has experienced a daily gain of 0.83% and an impressive three-month increase of 36.71%.

Why Investors Are Eyeing PayPal Holdings Inc (PYPL): The Key Drivers of Market Outperformance

Mastercard

KBW has updated its price targets for two major financial firms. The target for PayPal (PYPL, Financial) has been increased from $78 to $92.

KBW Raises Price Targets for PayPal (PYPL) and Mastercard (MA)

Paypal (PYPL) reachead $80.26 at the closing of the latest trading day, reflecting a +1.13% change compared to its last close.

Why the Market Dipped But Paypal (PYPL) Gained Today

Paypal (PYPL) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report.

Will Paypal (PYPL) Beat Estimates Again in Its Next Earnings Report?

Patience in investing often pays off; PayPal's stock rose 16.5% since my 'strong buy' rating in March, outperforming the S&P 500. PayPal's Q2 results showed significant growth: revenue up 8.2%, active accounts increased, and payment transactions hit a record high. Strong financial performance: net income grew, operating cash flow turned positive, and EBITDA expanded, leading to increased earnings guidance for the year.

PayPal Holdings: With Its Turnaround In Full Swing, Shares Deserve To Move Higher

You'll Never Guess the Best-Performing Stock in the Nasdaq-100 Last Quarter. Is It Still a Buy?

Recently, Zacks.com users have been paying close attention to Paypal (PYPL). This makes it worthwhile to examine what the stock has in store.

PayPal Holdings, Inc. (PYPL) Is a Trending Stock: Facts to Know Before Betting on It

It's been a year since the new CEO took charge, and much has changed.

PayPal Stock Is Down 75% From Its High. Is Now the Time to Pounce?

PayPal has reportedly completed its first business payment with its in-house stablecoin. This was done to show how digital currencies could be used to improve upon what are often muddled commercial transactions, Bloomberg News reported Thursday (Oct. 3), citing interviews with company officials.

PayPal Makes First Business PYUSD Payment as Stablecoins Surge

I think PayPal's recent rally is just the beginning, as the stock remains undervalued given its growth prospects and strategic cost-saving measures. Q2 2024 results exceeded expectations with an 8% revenue increase, 28% adjusted net income growth, and substantial EPS gains, showcasing effective cost control. PayPal's expansion into cryptocurrency for U.S. business customers and innovative payment solutions like "Buy Now Pay Later" drive future growth and user retention.

PayPal Stock: This Rally May Be Just The Beginning

PayPal Stock Is Up 20% in 2 Months. Here's Why the Stock Could Double From Here

Amazon

Microsoft

Veeva Systems

These companies are heavily investing in big growth areas -- such as artificial intelligence, cloud computing, semiconductors, and fintech.

Prediction: These 5 Phenomenal Stocks Are Set to Soar

monday.com

Trade Desk

Stocks aren't lottery tickets, but they can make you rich.

3 No-Brainer Stocks That Could Make You a Millionaire

It might have just taken a little time for the wheels on this turnaround to get some traction on the road to recovery.

You'll Never Believe Which Beaten-Down Financial Stock Is Suddenly Outperforming the S&P 500 in 2024

Alphabet

Taiwan Semiconductor Manufacturing

Although 2025 is fast approaching, October still holds some great deals for investors.

3 Magnificent Stocks to Buy in October

PayPal CEO Alex Chriss just wrapped up his first year on the job at the payments company, which was in a protracted downturn when he took over. Bolstered by cost cuts and improved margins, the stock jumped 34% in the third quarter, which closed on Monday, its best quarterly performance since 2020.

PayPal CEO's first year was praised by Wall Street, but hard part starts now for struggling payments company

The latest trading day saw Paypal (PYPL) settling at $78.03, representing a +0.19% change from its previous close.

Paypal (PYPL) Rises But Trails Market: What Investors Should Know

There aren't many deals to consider for further value in the technology sector. However, one stock is looking to change that narrative by delivering on previous promises.

PayPal Soars To New Heights: Why Analysts See More Upside

Block

SQ stock bulls and bears are focused on Cash App growth as well as gross payment volume of the merchant business.

PayPal Rebounds In 2024 Under New CEO As Jack Dorsey Aims To Fix Square

PayPal will bring bitcoin and other virtual coins to "millions" of merchants across the US.

PayPal Will Allow Businesses to Buy and Sell Crypto

Alibaba

Based on future growth expectations, these stocks are still cheap.

2 Undervalued Growth Stocks to Buy Now

When PayPal CEO Alex Chriss took over a year ago, investors questioned whether the company had a future. Now he says product innovations have helped change the conversation.

News for PayPal Stock (PYPL)