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

Uber

PayPal powers major bookings platforms and apps behind the scenes, including Uber. Uber will be using more PayPal products going forward, which could boost PayPal's revenue.

PayPal Is Winning Behind the Scenes. And This Huge Expanded Partnership With Uber Proves It.

PayPal Holdings (PYPL) declined Monday after MoffettNathanson cut its rating on shares to market perform from outperform (hold from buy), forecasting continued “lackluster” gross-profit growth under Alex Chriss, who is set to become the new CEO later this month. The analysts slashed their price target on the stock to $75 per share from $85.

Wall Street downgrades this fintech name. Here's why Cramer agrees with the call

PayPal Holdings Inc. is about to embark on its next chapter with a new chief executive set to start soon, but one analyst isn't convinced the company will be able to break from the challenges of its recent past.

PayPal's ‘fresh start' isn't enough to help its stock, analyst cautions

Netflix

Planet Fitness

American Airlines

ARM Holdings PLC

Carvana

Delta Air Lines

Lennar

Mastercard

Visa

Valero Energy

Exxon Mobil

Here are some of the tickers on my radar for Monday, Sept. 18 taken directly from my reporter's notebook.

Here are the 12 stocks Jim Cramer is watching, including Netflix, Arm, Planet Fitness

PayPal Holdings Inc  (NASDAQ:PYPL) is 1.3% lower at $63.41 premarket, following a bear note from SVB MoffettNathanson.

Analyst: C-Suite Shakeup Could Hurt PayPal Stock

Apple

Incoming PayPal CEO Alex Chriss faces a tough turnaround job amid Apple and Square competition, says an analyst who downgraded PYPL stock.

PayPal Downgraded As New CEO Faces Apple, Square Competition

American Tower

American Tower is poised to benefit from powerful demand trends. PayPal has faced challenges, but the stock looks very cheaply valued.

2 Stocks Down 42% and 80% to Buy Right Now

Dropbox

General Motors

MariaDB PLC shares MRDB, -1.36% jumped 9% in premarket trading on Monday after venture capital group Runa Capital said Friday it had offered to buy the system software group for 56 cents a share in cash, representing a premium of around 24% based on the Sept. 13 closing price for MariaDB shares.

PayPal and Dropbox stocks fall after downgrades, GM shares inch higher, and more stocks on the move

Coinbase

Robinhood

NVIDIA

Block

Five crypto-centric stocks in focus are: NVDA, PYPL, SQ, COIN, HOOD.

Crypto Space Sees a Plethora of Good News: 5 Stocks in Focus

Alibaba

Endava plc - ADR

In a volatile market, growth stocks can offer tremendous upside for investors willing to stomach some risk. While many high-flying growth names have seen sizable corrections in 2022, the long-term growth narratives for many of these companies remain intact.

3 Red-Hot Growth Stocks Set to Surge 100%+ in One Year

eBay

Etsy

E-commerce stocks aren't what they used to be. Online merchants and payment companies thrived during the pandemic when the whole world was forced to shop virtually.

The 3 Most Undervalued E-Commerce Stocks to Buy in September 2023

Block has consistently grown above market pace, but investors want profits now. PayPal's stock repurchases have made the stock unbelievably cheap.

2 Magnificent Stocks to Buy on the Dip

Toast

Over the past year, fintech stocks have been under lots of pressure. While enterprise software stocks like Workday (NASDAQ: WDAY ) and Intuit (NASDAQ: INTU ) are near 52-week highs, some fintechs are at multi-year lows.

The 3 Most Undervalued Fintech Stocks to Buy in September 2023

WILMINGTON, Del.--(BUSINESS WIRE)--Today, Chase Freedom announced the rotating quarterly categories for Freedom and Freedom Flex cardmembers: Wholesale Clubs, Select Charities and PayPal. “End-of-year celebrations are a highly anticipated time of year for many, but the costs associated with holiday spending can quickly add up,” said Brent Reinhard, General Manager of Chase Freedom. “By offering additional opportunities for cashbacking, Chase Freedom allows our Cardmembers to focus on and be rew.

Chase Freedom® Announces Q4 2023 Quarterly Categories – Wholesale Clubs, Select Charities and PayPal

PayPal (PYPL) signs a multi-year global deal with Uber in order to support the latter's card processing network in the global market.

PayPal (PYPL) Extends Ties With Uber & Strengthens Clientele

PayPal Holdings, Inc. (NASDAQ:PYPL ) UBS 2023 Fintech Leaders Conference Call September 14, 2023 9:10 AM ET Company Participants Gabrielle Rabinovitch - Acting Chief Financial Officer, Senior Vice President of Investor Relations and Treasurer Conference Call Participants Rayna Kumar - UBS Rayna Kumar Good morning, everyone. Thanks for joining.

PayPal Holdings, Inc. (PYPL) UBS 2023 Fintech Leaders Conference (Transcript)

From a new chief executive to a dollar-backed stablecoin and deployment of artificial intelligence technology, there's been a lot of intriguing news happening with PayPal (NASDAQ: PYPL ) stock lately. Yet, short-term traders continue to keep PYPL stock in the penalty box.

Feeling Bold? Buy PayPal Stock While It's Oversold.

Citigroup

Intel

McDonald's

ON Semiconductor

Blue-Chip bargains are a sure way to add value to your portfolio. During high market volatility and uncertainty, identifying sound investment opportunities for long-term growth is akin to finding a pearl at the bottom of a waterfall.

7 Promising Blue-Chip Bargains for Long-Term Growth

Costco

DoorDash

In today's fast-paced world, gift-giving has become a convenient and versatile practice. Among the many options available, gift cards have emerged as the go-to choice for many.

Hallmark Lets Consumers Venmo Gift Cards as DoorDash and Costco Up Digital too

Uber and PayPal have extended their partnership to enhance the payment experience for Uber's customers and drivers.  As part of the agreement, Uber will continue to leverage PayPal's services, including PayPal Braintree, for global card processing, the companies said in a Tuesday (Sept.

PayPal and Uber Broaden Payments Partnership

PayPal is aiming to make it easier for Web3 users to buy and sell cryptocurrency.

PayPal to Simplify Crypto Payments for Web3 Merchants

Global Payments

Paysafe

The year 2021 was a boom for the online payments industry, as the world rushed to adopt digital commerce solutions. Since then, payment stocks have plunged in value as business momentum slowed.

3 High-Potential Payment Stocks to Profit From the Digital Wallet Boom

Five crypto-centric stocks in focus are: NVDA, V, PYPL, HOOD, COIN.

News for PayPal Stock (PYPL)