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

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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 has underperformed the market this year, down 22% while the S&P500 is up 12%, causing valuation to become attractive. PayPal is trading at 12.5x EV/FCF and 11.8x P/E based on non-GAAP EPS guidance for 2023. Despite a decelerating growth in active accounts, PayPal's business performance remains strong, with growth in TPV supporting future revenue and earnings growth.

PayPal: A Cash Flow Machine That Keeps Growing

Bank of America

Vertex Pharmaceuticals

Bank of America is a bargain thanks to the fallout from the banking crisis this year. PayPal Holdings is much stronger than its stock performance indicates.

3 Magnificent Stocks That Are Screaming Buys in October

PayPal is more than just a checkout tool when shopping online. The company is extremely profitable, and its balance sheet is in a strong position.

3 Things About PayPal the Smartest Investors Know

Brookfield Infrastructure Partners L.P.

BioNTech SE

BioNTech's pipeline is loaded with promising candidates. PayPal Holdings is dirt cheap and is delivering solid earnings growth.

3 Stocks to Buy in October That Could Soar More Than 40% Over the Next 12 Months, According to Wall Street

Affirm

ARK Fintech Innovation ETF

American Express

MercadoLibre

Marqeta

Nu Holdings

Shopify

SoFi Technologies

Block

Visa

The fintech space ranges from giants like PayPal to an array of smaller and more specialized companies. E-commerce growth provides an organic tailwind to fintech stocks, but there are others as well.

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

Fiverr

The stock market sell-off is creating bargains for growth stock investors.

2 Beaten-Down Growth Stocks to Buy Now

Despite having once been one of the better stocks to own for exposure to the e-commerce industry, PayPal Holdings Inc NASDAQ: PYPL has recently fallen on hard times. Its shares have been sinking since they last tagged an all-time high in July 2021, when the pandemic had more people buying online than ever before, and it's been a painful 80% drop since then.

PayPal Keeps Getting Cheaper; Should You Load Up?

PayPal's stock is trading at a cheap valuation. Better-than-expected financial results and positive macroeconomic trends can benefit investors.

Can PayPal Stock Hit $70 by the End of 2023?

(Kitco News) - PayPal has filed a patent for a system that enables the offline transfer and trading of non-fungible tokens within its network.

PayPal looks to enable off-chain NFT transactions within its network

Innovative Industrial Properties

Trupanion

It's no secret the stock market is becoming more volatile. Although most major stock indices are up by double-digit percentages in 2023, we're seeing wilder price swings on almost a daily basis.

3 Prime-Catch Value Stocks to Snag on Nasdaq's Slide

Intel

Titanic Turnarounds: 3 Stocks Bouncing Back Stronger than Ever

PayPal has struck a new long-term deal with Uber. Incoming CEO Alex Chriss has experience working with enterprise businesses.

Where Will PayPal Be in 10 Years?

Mastercard

Riot Blockchain

Savvy investors understand the wisdom of focusing upon pioneering market sectors such as blockchain technology. Yet, the best blockchain stocks to buy are often overshadowed by the allure of cryptocurrencies like Bitcoin ( BTC-USD ) and Ethereum ( ETH-USD ).

Don't Miss the Boom: 3 Blockchain Stocks Set to Explode Higher

PayPal (NASDAQ: PYPL) stock price has been dead money for a while. After peaking at $311 in 2021, the shares have plunged by over 81% to the current $57.

PayPal stock price is at a crossroads: buy the dip or sell the rip?

CrowdStrike

CrowdStrike is serving up impressive results, and its growth story is just getting started. PayPal's growth might be slowing, but that is more than reflected in its cheap valuation.

2 Growth Stocks Down 45% and 81% to Buy Hand Over Fist Right Now

The fintech sector has significantly benefited from the advances in technology and the past few years have seen a solid growth of this sector. The pandemic pushed people towards digitisation and they adopted cards and started making online payments for daily usage.

Don't Miss the Boom: 3 Fintech Stocks Set to Explode Higher

PayPal hasn't been adopted by either growth or value investors. A new CEO could spark the innovation PayPal needs to become an attractive investment again.

1 Incredibly Cheap Stock to Buy Hand Over Fist

Robinhood

The Federal Reserve said last week that higher interest rates could stick around. As The Wall Street reported Sunday (Sept. 24), this “higher for longer” strategy could spell bad news for FinTechs like PayPal, Affirm and Robinhood, all of whom have seen their stock fall since the Fed raised rates.

FinTechs Face a ‘Tough Go' as Interest Rates Climb

PayPal has spent nearly two-thirds of its cash flow on share repurchases, which haven't paid off for shareholders. Billions more have been spent on acquisitions with questionable returns on investment.

Since Going Public in 2015, PayPal Has Spent $19 Billion on This 1 Thing

Etsy

Lovesac Company

Big declines in the major stock indexes represent the perfect time for opportunistic long-term investors to pounce. Three highly innovative companies have the sustained growth catalysts needed to make their long-term shareholders notably richer.

3 Unrivaled Stocks That Can Generate Life-Changing Money by 2040

While the market has continued to drag PayPal (PYPL) and Block's (SQ) stock, they are starting to make the case for being undervalued considering their above-average EPS growth.

Is There Opportunity in PayPal (PYPL) or Block's (SQ) Stock Near 52-Week Lows

Shares of Affirm, Block and PayPal fell the day after the Fed announcement.

Higher-for-Longer Interest Rates Threaten Fintech

Intuit

The last few years have been great for the fintech sector. The effects of the pandemic have propelled the need for consumers and other entities to move to cashless payments and easy access to credit.

3 Fintech Stocks That Will Handsomely Reward Tech-Savvy Investors

Coinbase

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

5 Crypto Stocks to Watch as Volatility Looms Over the Space

Nuvei Corp

Adyen NV

Shift4 Payments

Toast

The world of internet memes reminds me of financial bubbles. The Harlem Shake Meme was video craze in 2013 where groups would dance to “Harlem Shake” by Baauer.

News for PayPal Stock (PYPL)