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

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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

MercadoLibre

Spotify

Spotify's massive user base is its greatest asset. PayPal is one of the few bargains left in the wake of the recent tech sector rally.

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SoFi Technologies

Fintech stocks that are heading in opposite directions in terms of investor sentiment.

2 Earnings Reports You Have to Watch Next Week

PayPal's (PYPL) second-quarter results are expected to reflect strength across Venmo, Checkout experiences and BNPL solutions.

PayPal (PYPL) to Post Q2 Earnings: What's in the Offing?

Accenture Plc

Interactive Brokers

NVIDIA

Block

We have narrowed our search to five stocks with solid crypto exposure. These Are: NVDA, PYPL, SQ, ACN, IBKR.

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Growth stock Shift4 Payments is in consolidation, approaching a buy point of 76.40.

PayPal Partner Nears Buy Point Ahead Of Earnings But Has To Clear This Level First

PayPal Holdings Inc (NASDAQ:PYPL) is expected to once again top Street expectations when it reports its second quarter earnings on Wednesday, August 2. The online payment system provider has a track record of exceeding earnings expectations, with an average surprise for the past two quarters of 4.85%, according to Zacks Equity Research.

PayPal on track for another earnings beat in 2Q

Microsoft

Microsoft and PayPal are expanding their partnership to allow Xbox owners in the United States to use Venmo as a payment method for games, movies, TV shows, and apps from the Xbox store. Customers can also use the new payment method for Xbox Game Pass subscriptions.

Microsoft, PayPal partner to bring Venmo support to the Microsoft Store and Xbox store

Paypal (PYPL) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Paypal (PYPL) Reports Next Week: Wall Street Expects Earnings Growth

SAN JOSE, Calif. and REDMOND, Wash., July 26, 2023 /PRNewswire/ -- PayPal Holdings, Inc. (NASDAQ: PYPL) and Microsoft Corp. (Nasdaq: MSFT), today announced Microsoft's integration of PayPal's Pay Later solution in the U.S., U.K., Australia, Germany, France, Spain, and Italy. In addition, customers in the U.S. will soon have the option to pay with Venmo in the Microsoft Store. Venmo is currently available in the Microsoft Store on Xbox in the U.S. These new integrations offer customers more flexible ways to pay and help increase customer loyalty.

Microsoft Deepens Relationship with PayPal to Offer Simple, Flexible Payment Options

MicroStrategy Incorporated

Blockchain technology and stocks don't seem that important at first glance. At its heart, blockchain is simply a distributed ledger shared across computer nodes.

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Mastercard

Visa

Visa and Mastercard are the two largest card issuers. PayPal holds an important role as the middleman.

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PayPal disappointed investors when it walked back a bold growth prediction. Now, you can buy shares of the payment processor for just 15 times earnings estimates.

PayPal Stock Looks Like a Bargain. Is It Time to Buy?

Initiative Provides Selected Venmo Business Profile Users with Grants and Mentoring to Help Grow Their Businesses SAN JOSE, Calif. , July 24, 2023 /PRNewswire/ -- PayPal Holdings, Inc. (NASDAQ: PYPL) today announced the second Venmo Small Business Grant, a program for small and emerging businesses providing financial grants and mentorship for 20 Venmo business profile customers.

Venmo Small Business Grant Now Accepting Applications to Support Emerging and Small Businesses

AT&T

Tyson Foods

Snapping up low-cost stocks in this environment can be one of the best ways to amplify your portfolio when the broader market bounces back. The downturn investors saw over the last two years has caused the stock prices of many well-established companies to plunge to historically low prices, due to short-term concerns about their profitability and revenue generation potential.

3 Low-Cost Stocks to Buy Now and Watch Them Soar

PayPal operates different payments-related segments. PayPal has dealt with macroheadwinds.

3 Things About PayPal That Smart Investors Know

PayPal continues to trade as one of the most undervalued tech stocks today. FedNow would allow for instantaneous cash transfers for consumers, but should not impact PayPal's core payment processing business. PayPal's proposed sale of BNPL assets may help accelerate its already robust share repurchase program.

PayPal And FedNow: Why The Fears Are Overblown

Upstart Holdings

Youth will be served. That's how I would explain the speed and pervasiveness with which financial technology (fintech) has disrupted the financial sector.

2 Fintech Stocks to Buy Now and 1 to Avoid

Innovation breeds opportunity across all industries. That's why fintech stocks are so attractive.

The 3 Most Undervalued Fintech Stocks to Buy Now: July 2023

Apple

Broadcom

Bank of America

Blackrock Inc

Citigroup

Goldman Sachs

JPMorgan Chase & Co

Steel Dynamics

Tencent Holdings Limited

Wells Fargo

In today's article, I will introduce you to 10 dividend growth companies that I believe are attractive to invest in right now. The 10 selected picks have shown an Average Dividend Growth Rate [CAGR] of 22.27% over the past 5 years. The Average P/E [FWD] Ratio of the selected picks stands at 21.52, which is attractive in my opinion due to the companies' growth perspectives.

My Top 10 Dividend Growth Stocks To Invest In For July 2023

PayPal partner and payments peer Shift4 Payments could be teeing up a breakout as SQ stock gathers steam and PYPL stock continues its slump.

PayPal Partner And SQ Stock Peer Looks To Cash In With Breakout

Comcast

LM Ericsson Telefon

Gilead Sciences

JD.com

Nasdaq

Roper Technologies

The Nasdaq is known for its high-flying growth stocks, and with good reason. But there's more to the index than just those aggressive names.

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DigitalOcean Holdings

Trade Desk

Investors have been piling back into growth stocks — perhaps somewhat begrudgingly — as the group continues to gravitate higher. These promising growth stocks have become top stocks to buy as they continue to rise higher.

Hot Stocks Watch: 3 Promising Stocks to Buy for Growth

Finding a qualified financial advisor doesn't have to be hard. SmartAsset's free tool matches you with up to 3 fiduciary financial advisors in your area in 5 minutes.

3 Payment Stocks Gaining From Improving Consumer Sentiment

PayPal's focus on engagement is starting to pay off. The Trade Desk is leading the transition to digital advertising.

News for PayPal Stock (PYPL)