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

PayPal beat quarterly profit and sales estimates, but a drop in adjusted operating margin and money set aside to cover bad loans sent shares lower.

PayPal's Adjusted Operating Margin Misses Its Forecast, and Shares Plunge

PayPal shares took a hit Thursday even as the company's second quarter results managed to beat expectations.  After the bell Wednesday, Paypal posted earnings of $1.16 per share, up 24% year-over-year, and over expectations of $1.15.

PayPal's transaction gross profit leaves investors underwhelmed; analyst remains bullish

Accenture Plc

Coinbase

NVIDIA

More rate hikes could adversely impact the crypto market. Investors should thus adopt a buy-on-the-dip strategy, which could help stocks like PayPal Holdings (PYPL), Coinbase Global (COIN), NVIDIA Corporation (NVDA) and Accenture (ACN).

4 Crypto Stocks to Watch as Fed Seems Open to More Rate Hikes

PayPal Holdings Inc. has been in Wall Street's doghouse since the reopening of the economy, and as the company makes progress on some areas of the business, it continues to spook investors on others.

PayPal takes some steps forward, but here's what's holding the stock back

Shares of PayPal NASDAQ: PYPL has given investors a brutal 2021-2023 period, full of swings and stress, as the stock gave up more than 80% of its value, which reached an all-time high level as recent as 2021. As investors will soon find out, the company's second-quarter 2023 earnings results should have been enough to send the stock flying by double-digit percentage points.

PayPal Stock Falls On Earnings Beat, Time For A Dip Buy?

QUALCOMM

Upwork Inc.‘s UPWK, -0.50% stock rallied 18% after the platform for freelancers narrowed its quarterly loss, swinging to an adjusted profit, and reported revenue above Wall Street expectations.

Qualcomm and PayPal shares fall after earnings, and other movers

Execution is key; the stock will eventually follow.

Why Is PayPal Stock Crashing After Reporting Earnings?

While the top- and bottom-line numbers for Paypal (PYPL) give a sense of how the business performed in the quarter ended June 2023, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.

Here's What Key Metrics Tell Us About Paypal (PYPL) Q2 Earnings

PayPal Holdings, Inc. (NASDAQ:PYPL ) Q2 2023 Earnings Conference Call August 2, 2023 5:00 PM ET Company Participants Gabrielle Rabinovitch - SVP and Acting CFO Daniel Schulman - President and CEO Conference Call Participants Tien-Tsin Huang - JPMorgan Darrin Peller - Wolfe Research James Faucette - Morgan Stanley Ramsey El Assal - Barclays Jason Kupferberg - Bank of America David Togut - Evercore ISI Bryan Keane - Deutsche Bank Operator Good afternoon. My name is Sarah, and I will be your conference operator today.

PayPal Holdings, Inc. (PYPL) Q2 2023 Earnings Call Transcript

Paypal (PYPL) came out with quarterly earnings of $1.16 per share, in line with the Zacks Consensus Estimate. This compares to earnings of $0.93 per share a year ago.

Paypal (PYPL) Matches Q2 Earnings Estimates

PayPal Holdings Inc. edged above expectations with its quarterly revenue and earnings outlook Wednesday, though the company fell short of a margin metric and disappointed Wall Street with its take rate.

PayPal's stock falls as earnings beat, but a margin metric misses

PayPal reported second-quarter earnings and revenue that edged by estimates as analysts await the announcement of a new chief executive.

PayPal Earnings, Revenue Edge By Views As Analysts Pine For CEO News

SAN JOSE, Calif. , Aug. 2, 2023 /PRNewswire/ -- PayPal Holdings, Inc. (NASDAQ: PYPL) today announced its second quarter 2023 results for the period ended June 30, 2023.

PayPal Reports Second Quarter 2023 Results

Cal-Maine Foods

Crocs

Friedman Industries

Lockheed Martin

Lovesac Company

Match Group

Investors often jump into expensive stocks that have strong momentum and grand underlying businesses. However, these stocks can underperform the broader market or even return losses if your entry point is too high.

7 Value-Growth Stocks That'll Make You a Millionaire by 2025

PayPal Holdings Inc.'s story will be all about margins when the payment-technology company posts results after the close of Wednesday's trading.

PayPal earnings: What to expect

PayPal has been struggling with intensifying competition and profitability. It's still the dominant digital payments player in the industry.

Is Now the Right Time to Buy PayPal Stock?

SoFi Technologies

Block

In the finance landscape one trend has been more rapid than the rest, the rise of fintech. As this trend continues its upward trajectory, investors eagerly seek opportunities to ride the wave of financial disruption.

3 Stocks to Buy to Capitalize on the Booming Fintech Trend

PayPal (PYPL) is seeing favorable earnings estimate revision activity and has a positive Zacks Earnings ESP heading into earnings season.

Should You Buy PayPal (PYPL) Ahead of Earnings?

PayPal's stock price has experienced a significant decline, but its fundamentals and position in the fintech industry offer potential for growth. Technical analysis suggests that PayPal's stock price is currently trading at a long-term support level, indicating a potential uptrend. The price is presently breaching the triangle formation, which suggests a potential surge in PayPal's value.

PayPal: A Good Time To Buy (Technical Analysis)

MGM Resorts

Occidental Petroleum

Albemarle

After U.S. markets closed on Monday, Diamondback Energy reported revenue that beat Wall Street estimates by 1.2% and fell more than 30% year over year.

Earnings Previews: Albermarle, MGM Resorts, Occidental Petroleum, PayPal, Qualcomm

PayPal (NASDAQ: PYPL) stock price has staged a strong recovery in the past few weeks as investors buy the company's dip. The shares jumped to a high of $76 on Monday, the highest level since May 8th.

PayPal stock price forecast ahead of earnings: Buy, sell, hold?

Buzzfeed

Twilio

While we've all heard the phrase bad news is good news in the capital markets, for certain tech stocks rising from adversity, the adage may yield considerable shareholder profits. As a caveat, one should realize that companies that print red ink often do so for a reason.

Bad News Will Actually Be a Boost for These 3 Troubled Tech Stocks

PayPal's (PYPL) second-quarter results are expected to reflect gains from strength across its robust product and services portfolio.

PayPal's (PYPL) Q2 Earnings to Benefit via Portfolio Strength

We forecast that PayPal Holdings, Inc.'s stock price will appreciate over 180% in the next 2 years from $73 to our price target of $205. Fintech global market revenues projected to grow 6x from $245B to $1.5T by 2030. PayPal's current valuation with driving factors such as Acquisitions, Stock Repurchase, and 27% CAGR TPV growth indicate the possibility for long-term compound growth.

PayPal: Enhanced Fundamentals Alongside Fintech Outlook; Significant Upside Potential

The fintech giant is more than 75% off its highs. Is it worth a look?

News for PayPal Stock (PYPL)