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

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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

Payment apps like PayPal and Venmo might be convenient, but they're not banks — and a federal financial services watchdog is worried that too many consumers are treating them as such.

Don't store cash in Venmo and PayPal, US regulator warns

Block

Upstart Holdings

Fintech stocks have continued trading sideways since the selloffs in late 2021 and currently offer some of the best entry points in the market. Most growth stocks have rebounded substantially this year, and fintech is among the only sectors that are still behind.

3 Undervalued Fintech Stocks to Buy in June 2023

Amazon

Costco

Amazon has the most to gain from e-commerce growth with its dominating market share. Meanwhile, PayPal's role as a leading payment service could see it flourish as the market recovers.

3 Top E-Commerce Stocks to Buy in June

PayPal has faced challenges such as slowing growth, increased competition, and management turmoil, leading to an 80% decline in stock value since 2021. The company's core services are in decline, and a shift in focus to engagement over user growth has raised questions about its growth trajectory. Despite these issues, PayPal remains a strong company with competitive advantages, and a potential turnaround could occur with the right catalyst.

PayPal: In Search Of A Turnaround

Most money stored in nonbank payment apps is not often protected by federal deposit insurance, the CFPB warns.

Money stored in payment apps like Venmo may be more vulnerable than bank deposits, CFPB says

PYPL is looking like a potential turnaround play as management delivered on operational efficiency to start off the year. There is a wide margin between the market and future earnings expectations. Both my PEG analysis and scenario analysis show that this is an asymmetric risk/reward opportunity.

PayPal: Potential Turnaround Play

Magic, a Web3 wallet maker based in San Francisco, raised $52 million in a funding round led by PayPal Ventures and joined by prominent investors, including Synchrony, Volt Capital, KX, Northzone, and Cherubic.

Crypto Startup Magic Raises $52M in Round Led by PayPal Ventures

Airbnb

QUALCOMM

The markets are always looking forward, and you should, too.

4 Top Stocks to Buy in June

JD.com

Paramount Global

Tech stocks have been the big winners this year, with the Nasdaq index up 25% since January. However, while some tech stocks have more than doubled their share price year to date, the current rally has not lifted all boats.

3 Nasdaq Sleeper Stocks to Buy Before Investors Wake Up

American Express

Bank of America

Chipotle

First Solar

Visa

Wingstop

Some companies clearly have what it takes to remain leaders in their sectors. Many will never face meaningful competitive threats.

7 Stocks to Buy (and Never Sell)

PayPal's management highlights the challenges it faces in the near term.

What Is PayPal's Biggest Threat?

CHICAGO & PHILADELPHIA--(BUSINESS WIRE)--Onbe, a leading business to consumer disbursements financial technology company, today announces the addition of PayPal and Venmo* functionalities to its product offerings. With PayPal and Venmo, Onbe's clients now have more options to provide fast, seamless and secure digital choices to their recipients within Onbe's existing product suite. Onbe's 2023 Future of Payments report shows overwhelming preferences for digital payments, with 73% of respondents.

Onbe Adds PayPal and Venmo to Power Quick Disbursements to Millions of Recipients

PayPal's stock dropped about 20% recently, despite solid Q1 results and a strong long-term investment thesis. The company's leadership in the digital payments industry and expanding market opportunities in e-commerce and mobile payments support its growth outlook. Based on the author's calculations, PayPal's fair implied share price is $78.88, indicating a potential 30% upside.

PayPal: Stock Rebound Could Be Fast And Aggressive

Bill.com

Marqeta

In 2022, fintech suffered a huge blow. The sector saw worse stock performance than both the financial and tech sectors.

3 Cheap Fintech Stocks to Buy Before the Comeback

Sunrun

Snap

The best tech stocks have risen considerably this year and the value proposition here is no longer compelling for most stocks. However, some tech names are still yet to recover from the trough, and the current entry point will likely yield multibagger returns over the coming years if you purchase them now.

3 Tech Stocks to Buy Now for Life-Changing Returns

PayPal's current CEO plans to retire by the end of 2023.

What Is PayPal Looking for in Its Next CEO?

PayPal wants to be more than an online payment processor.

PayPal Is Working Behind the Scenes to Seize Market Share

Apple

Amazon's latest quarter saw improvements in its e-commerce segments. PayPal is currently trading at a bargain, considering its consistent financial gains over the years.

Why Amazon, PayPal, and Apple Are No-Brainer Buys Right Now

Investors have latched to the negative elements facing PayPal Holdings, Inc. There's competition, slow growth, and operating margin compression.

PayPal: 10x EPS, Period

PayPal is well positioned to benefit from the increasing preference for digital payment over physical cash. The company is trying to help its margins by focusing on small and medium-sized markets.

PayPal Stock: Should You Buy the Current Dip?

PayPal is getting the attention of stock market investors, as its valuation has reached inexpensive levels.

1 Green Flag for PayPal Stock Investors in 2023 (and Beyond)

PayPal is still a huge and profitable business, and it's trading near its 52-week low.

Down 80%, Is PayPal a Massive Bargain for Patient Investors?

The rise of Apple Pay is threatening PayPal's revenue growth.

Can PayPal Compete With Apple Pay?

Amazon and PayPal have much to gain as inflation continues to ease. Amazon's Q1 2023 results suggest its e-commerce business is returning to profitability.

Better Buy: Amazon vs. PayPal

These two beaten-down growth stocks could be excellent stocks to buy right now.

News for PayPal Stock (PYPL)