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 Q1 2022

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Earnings data Q1 2023

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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 was hit hard by tough macroeconomic conditions over the past year or so. Low-income users have cut back on spending, negatively affecting the company's growth.

A Bull Market Is Coming: 1 Incredible Growth Stock to Buy Hand Over Fist Before It Soars 131%, According to Wall Street

Mondelez

PepsiCo

Visa

Exxon Mobil

As we brace for a potential recession looming on the horizon, many investors are recalibrating their portfolios in search of low-risk stocks. If you're in sweats thinking about financial risk, and your concern rests with capital preservation, you might want to avoid high-flying growth stocks.

Safe Havens: 7 Low-Risk Stocks for Uncertain Times

Hut 8 Mining Corp

Interactive Brokers

Marathon Digital Holdings

Block

A financial advisor can help you understand the advantages and disadvantages of investment properties.

Watch These 5 Crypto Stocks Amid Soft Inflation Data of June

PayPal missed out on the tech stock rebound in the first half of the year. The company dialed back expectations for margin growth due to a slowdown in its branded payments business.

Why PayPal Stock Fell 6% in the First Half of the Year

Amazon

Best Buy

Five Below

Foot Locker

Mastercard

Proshares Online Retail ETF

Target

Inflationary pressures are expected to dampen the back-to-school shopping season this year, per a new report from Deloitte, as quoted on Yahoo Finance.

Back-to-School Shopping to Fall? Stocks to Win/Lose

PayPal's shares have dropped nearly 80% over the last two years, but the shareholders' pain may finally be nearing an end. PayPal is making a number of strategic moves to drive accounts and payments volume growth. This is an opportune time for long-term investors to load up on PayPal stock, before it inevitably rallies.

PayPal: It's Rally Time (Rating Upgrade)

Shift4 Payments

LendingClub

Pagaya Technologies Ltd

SoFi Technologies

Upstart Holdings

Fintech stocks have been trending higher. All as investors become confident that with cooling inflation, the Federal Reserve will soon pause, then begin to pivot on interest rate hikes.

Why These 7 Stocks Are the Best Ways to Play Fintech Right Now

Datadog

The Nasdaq Composite soared 31.7% in the first half of 2023 -- its best since 1983. PayPal dominates the market for online payment processing software.

The Nasdaq Just Had Its Best First Half in 40 Years: 2 Remarkable Growth Stocks to Buy Now

PayPal NASDAQ: PYPL has underperformed the overall market this year, with the stock down 2.72% YTD. However, the fintech giant is gaining attention after shares have soared almost 10% in the last month.

PayPal's Comeback An Undervalued Investment Opportunity

Investors often turn to recommendations made by Wall Street analysts before making a Buy, Sell, or Hold decision about a stock. While media reports about rating changes by these brokerage-firm employed (or sell-side) analysts often affect a stock's price, do they really matter?

Brokers Suggest Investing in Paypal (PYPL): Read This Before Placing a Bet

ORLANDO, Fla.--(BUSINESS WIRE)--Stax Payments, the all-in-one payments provider, is working with PayPal to offer a comprehensive solution for accepting payments online for its customers. Eligible Stax Payments customers can now accept payments with PayPal, Venmo and PayPal Pay Later options. Beyond new payment options, the collaboration with PayPal offers Stax customers near instant access to funds, fraud detection, Seller Protection on eligible transactions and the built-in compliance standard.

Stax Payments Adds PayPal Payment Offerings to Expand Customer Choice

Earnings are projected to rise rapidly in 2023 and 2024. The stock trades at a significant discount to the market.

Here's Why I Just Bought PayPal Stock

Invesco Alerian Galaxy Blockchain Users and Decentralized Commerce ETF

Goldman Sachs

JPMorgan Chase & Co

Major financial institutions and high-level professional investors have mostly dipped their toes into the world of cryptocurrency. However, their enthusiasm for blockchain technology and its various applications is more palpable and that could be a long-term plus for exchange traded funds such as the Invesco Alerian Galaxy Blockchain Users and Decentralized Commerce ETF (BLKC).

Blockchain Tech Gains Important Supporters

PayPal is set to benefit from a strong U.S. economy, with recent job reports showing better-than-expected growth and a 6.4% year-over-year pay increase. The company made strides in reducing operating costs, with a non-GAAP operating margin of 22.7% in Q1, and plans to grow its margin by >100 basis points in FY 2023. PYPL's strong free cash flow and potential for stock buybacks, along with a discounted valuation compared to competitors, make it an attractive investment opportunity.

PayPal: 3 Reasons Why Shares Could Rally

Coinbase

Robinhood

MicroStrategy Incorporated

We have narrowed our search to five stocks with solid crypto exposure and strong growth potential. These are: PYPL, SQ, HOOD, COIN, MSTR.

Focus on These 5 Crypto Stocks for Long-Term Gains

PayPal's shares have underperformed the broader market this year and trade at an attractive valuation. PayPal benefits from network effects.

A Bull Market Could Be Here: You Haven't Missed Out on PayPal

Alphabet

UnitedHealth Group

Alphabet is the cheapest FAANG stock despite its huge gains this year. PayPal's valuation is the most attractive it's ever been.

61% of Top Investors Think We're in a New Bull Market: 3 Stocks to Buy If They're Right

Investors have turned away from PayPal because of slowing growth. PayPal's business is poised for strong earnings expansion over the coming years.

Could PayPal Stock Help You Become a Millionaire?

PayPal (PYPL) introduces Tap to Pay on Android for Venmo Zettle users, empowering small businesses with seamless payment options.

PayPal (PYPL) Unveils Tap to Pay for Venmo and Zettle Users

BARK

ChargePoint Holdings

Lovesac Company

Match Group

CarParts.com, Inc.

You're not alone if you're looking for cheap growth stocks to buy before they bounce back. Many investors are searching for bargains in the market, hoping to catch the next big winner before it takes off.

7 Cheap Growth Stocks to Buy Before They Bounce Back

As e-commerce penetration in retail sales is anticipated to increase significantly, the outlook for the industry is very promising. The diminished non-transaction expenses mitigate the margin contraction. The margin should improve after a number of quarters when the transaction margin stabilizes. Current macro headwinds and decline of retail sales in Euroarea, UK, and potentially in US remain the key threat, impacting the business model and TPV.

PayPal: Leveraging E-Commerce Potential To Overcome Margin Destruction And Rivalry

Fiverr

Naspers Ltd

A digital payments giant is refocusing its business model, which could drive growth and profitability. Despite widespread skepticism and the rise of AI, a leading freelance services platform remains a solid bet.

News for PayPal Stock (PYPL)