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

Intuit Inc. executive Alex Chriss will serve as the next leader of PayPal Holdings Inc., the digital payments giant said Monday.

PayPal names Intuit veteran Alex Chriss its next CEO

SAN JOSE, Calif. , Aug. 14, 2023 /PRNewswire/ -- PayPal Holdings, Inc. (NASDAQ: PYPL) today announced that its Board of Directors has appointed senior Intuit executive, Alex Chriss, as President and CEO, effective September 27, 2023.

PayPal Names Alex Chriss as Next President and CEO

Intuit's Alex Chriss named new Paypal CEO

Intuit's Alex Chriss named new PayPal CEO

PayPal has a consensus rating of "buy" among Wall Street analysts, and the top price target implies a 101% upside. Sea Limited is a consensus "buy" too, and the top 12-month price target implies a 178% upside.

2 Top-Tier Growth Stocks to Buy Now Before They Soar 101% and 178%, According to Wall Street

It's always valuable to look at the good and the bad with every investment decision.

2 Red Flags for PayPal Stock Investors

PayPal's new stablecoin is expected to target a market that remains largely untapped, according to Bank of America. Earlier this week, PayPal launched a USD-denominated stablecoin named PayPal USD (PYUSD).

PayPal exploring untapped stablecoin market, analysts say as launch of PYUSD generates excitement

The last couple of years were painful for PayPal investors due to a myriad of disappointing earnings and key metrics downgrades over multiple quarters. The stock now trades almost five times cheaper than all-time highs, while the business is still growing, and the management works hard to improve profitability. My valuation analysis suggests the stock is massively undervalued.

PayPal: I Am Loading Up At This Price

The market did not like PayPal Holdings, Inc.'s Q2 2023 earnings, sinking the stock back close to 52-week lows. We present a put spread strategy to generate 17.1% yield with -27.4% downside protection. The full premium is earned if PayPal Holdings stock remains above $45 on January 19th, 2024.

PayPal: Options Strategy To Generate 17.1% Yield With -27.4% Downside Protection

PayPal will continue to show strong growth in total payment volume driven by expansion in product portfolio, geographic diversification and industry segment expansion. It has recently shown better financial discipline with control over fixed operating expenses to counter the trend of dropping take rates. PayPal is getting closer to a buy with a recommended price target of $40.

PayPal: Getting Closer To Being A 'Buy'

Block

PayPal's growth is slowing, but it's still the largest company of its kind, and it's cutting costs to improve profitability. Block has popular and innovative fintech solutions, but it's struggling to become profitable.

Better Buy: PayPal or Block?

Interactive Brokers

Lemonade

As digital banking tools, such as banking apps and automatic bill payments, increase in popularity, the fintech sector is poised to grow rapidly.  Additionally, financial institutions have been adopting many high tech tools in an effort to cut their costs and make their businesses more user friendly.

The 3 Best Fintech Stocks to Buy in August

Investors should be focused on PayPal's earnings growth. PayPal's active user count is remaining relatively steady.

PayPal Is Crushing It. Why Isn't the Stock Responding?

PayPal reported solid quarterly results, but the declining margins and declining number of active accounts spooked investors. Nevertheless, long-term growth potential is massive and we can assume that PayPal will continue to grow in the double-digits. And even if growth would slow down, PYPL stock is still extremely undervalued at this point.

PayPal: Market Isn't Getting The Bigger Picture

This stock is growing much slower than before, but it could still be a smart buy.

1 Cheap Fintech Stock I'm Buying Hand Over Fist in August

Netflix

Shopify

Whether he's rebranding social media company Twitter as X, launching the Cybertruck at electric vehicle maker Tesla (NASDAQ: TSLA ), or sending supplies to the international space station via rockets made by commercial space concern SpaceX, Elon Musk is a busy man and technology visionary. He's also a controversial figure who is known for promoting cryptocurrencies and conspiracy theories, as well as sparring online with politicians and other tech leaders.

What Would Elon Musk Do? 3 Stocks to Buy if You Are an ‘Elmo' Fan Boy

Advanced Micro Devices

Amazon

Alphabet

Lockheed Martin

7 Unshakable Stocks for Your Long-Term Portfolio

(Kitco News) - The stablecoin landscape is undergoing a shift following the launch of PayPal's PYUSD stablecoin as USDT and USDC see large redemptions, with USDT trading off its peg.

PayPal USD launch shakes up the stablecoin landscape

PayPal's Q2 earnings report led to a sell-off, despite in-line EPS, a revenue beat, and strong guidance. Concerns about declining active accounts and negative free cash flow contributed to the sell-off. The market undervalues PayPal stock compared to similar companies like Shopify, presenting a potential buying opportunity.

PayPal: An Arbitrage Play After Earnings

Following its earnings release, PayPal stock has fallen dramatically on speculations regarding the near-term future. The market is now pricing-in significant deterioration of the company's top or bottom line which, in my view, is a very low probability scenario. In the meantime, the management is making the right moves to secure long-term competitive advantages while also rewarding shareholders.

PayPal: 3 Reasons Why I Am Optimistic After The Quarterly Results

PayPal continues to post strong financial results. PayPal has many attractive business qualities.

PayPal Is Great. Here's Why You Shouldn't Buy It

PayPal dives deeper into crypto with the launch of its first stablecoin pegged to the US dollar.  Dubbed PayPal USD, the new stablecoin will facilitate person-to-person payments and fund purchases.

PayPal's latest crypto play is a stablecoin pegged to the US dollar

PayPal on Monday launched a stablecoin digital currency backed by US dollars to be used for transactions at its global online payments platform.

PayPal debuts US dollar-backed stablecoin for payments

PayPal, one of the biggest fintech companies in the world, is rolling out a stablecoin backed by US dollar deposits and Treasury bills, dubbed PayPal USD (PYUSD).

PayPal to Launch Stablecoin Backed by US Dollar Deposits and T-Bills

PayPal  PYPL  announced on Monday morning that it would be introducing its own US dollar pegged stablecoin, PayPal USD (PYUSD). Could this be a catalyst to ignite the next rally in Bitcoin and the rest of the crypto industry?

PayPal Launches Stablecoin: Next Bitcoin Bull Run Building?

PayPal on Monday rolled out a U.S.-dollar back stablecoin PayPal USD (PYUSD), becoming the first major fintech firm to introduce a digital currency for payments and transfers.

News for PayPal Stock (PYPL)