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

KKR is expected to purchase up to 40 billion euros of eligible current and future PayPal Pay Later loans originated in Europe.

PayPal Announced Major Updates to Its BNPL Solutions -- What Investors Should Know

PayPal (PYPL) teams up with KKR, under which the latter will purchase EUR 40 billion of BNPL loan receivables originated by PayPal in France, Germany, Italy, Spain and the U.K.

PayPal (PYPL) to Sell Europe BNPL Loan Receivables to KKR

PayPal may be one of the cheapest high-quality tech stocks available now. While many tech stocks have skyrocketed recently, PayPal's stock has been stuck in the mud and may have bottomed after an 80% peak-to-trough decline. At around 10-12 times forward EPS estimates, PayPal's stock is exceptionally cheap.

PayPal: Buy While It's Cheap

Active accounts shrunk last quarter even though revenue and earnings beat estimates. This could be a big issue, or just something temporary -- but it's certainly atypical.

1 Warning Sign PayPal Investors Need to Know

Momo

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StoneCo

The stock market has been on a tear lately, despite investors grappling with multiple headwinds, such as possible recession. Moreover, the Federal Reserve just paused its rate hikes for June, which may seem like good news.

7 Low-Risk High-Reward Stocks Set to Triple by 2026

Apple

Albemarle

Chevron

Johnson & Johnson

Newmont Mining

Tesla

With uncertainties plaguing the markets, savvy investors can find solace in resilient blue-chip stocks. These stalwarts, known for their consistent performance and resiliency, have become a haven for those looking to safeguard their investments.

7 Resilient Blue-Chip Stocks With Strong Growth Potential

PayPal shares rose after entering a deal with KKR for PayPal's "Buy Now, Pay Later" European loans.

PayPal and KKR in Deal for PayPal's 'Buy Now, Pay Later' European Loans

Struggling since the final months of 2021, digital payments provider and financial technology (fintech) specialist PayPal (NASDAQ: PYPL ) gave some encouragement to its long-suffering stakeholders. Investment firm KKR (NYSE: KKR ) will purchase up to 40 billion euros ($43.71 billion) of PayPal's European market-originated buy now, pay later (BNPL) loans.

PYPL Stock Alert: The $44 Billion Reason PayPal Is Up Today

AbbVie

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Occidental Petroleum

Pfizer

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While the smaller-capitalization trades tend to attract the most speculative attention, for reliable upside prospects, investors may want to consider blue-chip stocks to buy. To better understand the motivation behind targeting these stalwarts, a baseball analogy may be helpful.

Ready for a Rebound: 7 Blue-Chips Set to Regain Their Market Mojo

PayPal has been an early leader in buy now, pay later credit, a profitable but higher-risk area of lending. With KKR now set to buy essentially all of its European BNPL loans, PayPal is de-risking its balance sheet and freeing up a lot of cash to deploy in other ways.

PayPal's New $44 Billion Pay Later Partner: Is the Stock a Buy Now?

PayPal Holdings Inc (NASDAQ:PYPL) said it has reached a multi-year agreement to sell up to €40 billion ($4.37 billion) of its European buy now, pay later (BNPL) loan receivables to private equity firm KKR. Under the deal, the payments company said KKR's private credit funds and accounts will acquire substantially all the European BNPL loan portfolio held on PayPal's balance sheet at the close of the transaction and will also acquire future originations of eligible BNPL loans.

PayPal to sell up to $44B of its buy now, pay later loans in Europe to KKR

PayPal is selling more than $43 billion worth of its European buy now, pay later (BNPL) loans. The payments company announced Tuesday (June 20) it was selling loans originated in France, Spain, Germany, the U.K. and Italy to investment firm KKR.

PayPal Selling $43 Billion in EU BNPL Loans to KKR

PayPal has seen its stock fall below pre-Covid levels despite the company continuing to generate solid growth rates. The market doesn't appreciate the level of innovation taking place at the digital payment company with a massive TAM. PYPL stock trades at a massive discount at only 12x forward EPS estimates due to oddly low investor confidence.

PayPal: Underappreciated Growth

PayPal Holdings Inc (NASDAQ:PYPL) is making headlines today, after private equity firm KKR & Co (KKR) agreed to buy up to 40 billion euros ($43.71 billion) of the company's buy now, pay later (BNPL) loans in Europe.

Options Bulls Blast PayPal Stock on BNPL Purchase

KKR-managed funds and accounts will will purchase up to €40 billion of PayPal's buy now, pay later loan receivables originated in Europe.

PayPal Expects Additional $1 Billion in Stock BuyBacks Following BNPL Deal

PayPal's 1Q earnings and subsequent price action have brought sentiment among the bulls closer to capitulation. While we are structurally bullish on the stock long term, we acknowledge that management needs to execute against the opportunities and threats in the business. PYPL stock is relatively cheap, and estimates are still pretty high. Taking into consideration the macro environment, the stock might not have bottomed, but we're getting closer.

PayPal: Capitulation Closer, Execution Needed

PayPal Holding Inc. PYPL, +0.88% has struck an arrangement with KKR through which KKR-managed funds and accounts will buy up to €40 billion of PayPal's buy-now-pay-later receivables originated in several European countries, the companies said Tuesday. The deal is expected to close in the second half of the year and initially generate about $1.8 billion in net proceeds that PayPal will use to return cash to shareholders and for general corporate purposes.

PayPal boosts buyback expectations as it announces new deal with KKR

KKR to purchase up to €40 billion of eligible current and future PayPal Pay Later loans originated in Europe PayPal expects to allocate approximately $1 billion to incremental share repurchases this year; updated outlook from approximately $4 billion to approximately $5 billion in total share repurchases in 2023 SAN JOSE, Calif. and NEW YORK , June 20, 2023 /PRNewswire/ -- PayPal Holdings, Inc. (NASDAQ: PYPL) and KKR, a leading global investment firm, today announced the signing of an exclusive multi-year agreement for a €3 billion replenishing loan commitment under which private credit funds and accounts managed by KKR will purchase up to €40 billion of buy now, pay later (BNPL) loan receivables originated by PayPal in France, Germany, Italy, Spain, and the United Kingdom.

PayPal and KKR Announce Exclusive Multi-Year Relationship for European Pay Later Receivables

PayPal has generated double-digit revenue and profit growth since 2015. Apple Pay and Google Pay are stealing market share from it.

PayPal Has Never Been This Cheap: Is It Time to Buy?

PayPal is delivering solid revenue growth and even stronger bottom line growth, but the stock is struggling. PayPal stock trades at the same levels it did in 2017. Wall Street appears concerned about competitive threats from Apple.

PayPal: Deep Value In Tech, 12x Earnings, 20% Growth, Share Repurchases

PayPal is a strong e-commerce trend beneficiary with reasonable valuations & financials. Strategic options available set PayPal up as a potential growth-at-a-reasonable price. Management re-shift could be a positive catalyst as the existing board has destroyed value, shown by declining return on capital over the past few years. Risk factors include 1) declining market share and margins 2) no long-term moat and fragmented industry with little economic power 3) poor use of capital going forward.

PayPal: Solid Financials, Reasonable Valuation And A Great Opportunity For Income Return

A quartet of Senate Democrats want Venmo and Cash App to offer better fraud protection. The four senators — Sherrod Brown of Ohio, Elizabeth Warren of Massachusetts, Jack Reed of Rhode Island and Bob Menendez of New Jersey — wrote to the two companies Thursday (June 15) seeking detailed information about their fraud prevention tactics.

Senators Demand Answers From Venmo and Cash App on Fraud

Disney

Trade Desk

Investors are always on the hunt for long-term wealth stocks. You know, the kind that you can buy and hold for years (or decades) and generate market-beating returns.

3 Stocks to Buy for Long-Term, Life-Changing Returns

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Although the stock market is a long-term wealth creator, its short-term performance is entirely unpredictable. These top-notch businesses have sustainable long-term catalysts and are historically cheap.

These Are the Only 3 Stocks I've Been Buying Since 2023 Began

PayPal dip buyers attempted a reversal from its May selloff, but the momentum has stalled. PYPL holders might need to get used to a much lower valuation multiple as the market assesses the company's ability to recover its growth trajectory. Management has likely not convinced long-term buyers to return aggressively, as it needs to update its long-term model on its profitability, given the growth in its unbranded business.

News for PayPal Stock (PYPL)