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 Q4 2021

Earnings data Q1 2022

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Earnings data Q3 2022

Earnings data Q4 2022

Earnings data Q1 2023

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Earnings data Q1 2024

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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

PayPal Holdings, Inc. has been nothing but a pain for almost two years. However, I am calling a bottom this time on valuation, technicals, and turnaround potential.

PayPal: Time To Pay Me Back, Pal

Eleven members of the US Congress have demanded PayPal end a ban on doing business with Palestinians in the occupied territories while permitting Israeli settlers to use the digital payment platform.

US Congress members demand that PayPal end ban on Palestinian business

Adyen NV

PayPal's growth has slowed to a crawl since the pandemic's height. Adyen continues to expand at an impressive rate.

Better Growth Stock: PayPal vs. Adyen

Artificial intelligence has grown by leaps and bounds in recent months.

PayPal Is Using AI to Supercharge Profits

I believe PayPal has been punished for doing what other companies would be praised for. The valuation is compelling and technicals suggest a bottom could be in.

PayPal: The Market Seems Blind; Here's What I See

PayPal's business isn't broken, but the stock seems like it is right now.

Is PayPal a Value Stock Now?

Apple

Bank of America

Caesars Entertainment

DISH Network

Enphase Energy

Halliburton

KeyCorp

Moderna

Match Group

NVIDIA

Newell Brands

Invesco S&P 500 Equal Weight ETF

SPDR S&P 500 ETF Trust

Warner Bros Discovery Inc

Bank of America is getting more bullish on S&P 500 stocks. Just not the ones that have been driving the S&P 500 higher all year.

Bank Of America Upped Its Forecast For Stocks — Just Not The Ones You Think

Upstart Holdings

Two financial services companies are pitted together to determine which comes out on top.

Best Growth Stock to Buy: PayPal vs. Upstart

PayPal Holdings, Inc. (NASDAQ:PYPL ) 51st Annual JP Morgan Global Technology, Media and Communications Conference Transcript May 22, 2023 10:40 AM ET Executives Dan Schulman - Chief Executive Officer Analysts Tien-Tsin Huang - JP Morgan Tien-Tsin Huang All right. Thanks everyone for joining.

PayPal Holdings, Inc. (PYPL) Management Presents at 51st Annual JP Morgan Global Technology, Media and Communications Conference (Transcript)

Parents and guardians must open the accounts, and can monitor transactions and send money.

Venmo Adds Teen Accounts With Debit Cards for 13- to 17-Year-Olds

Venmo will introduce accounts for teen users, joining Block Inc.'s Cash App and a host of other financial-services players catering to young people early in their financial lives.

Venmo to roll out accounts for teens

Venmo announced today that it's introducing teen accounts, allowing parents and legal guardians to open a Venmo account for their teenagers so they can send and receive money. The account, which has no monthly fees, also comes with a Venmo Teen Debit Card.

Venmo targets young consumers and parents with new teen accounts and debit card

Parents and legal guardians can now open a Venmo Teen Debit Card and a Venmo account for teenagers 13 to 17 years old, so they can send, receive, and spend money Offers built-in parental controls and oversight capabilities SAN JOSE, Calif. , May 22, 2023 /PRNewswire/ -- Venmo today introduced the Venmo Teen Account, providing parents and legal guardians the ability to open a Venmo account for their teenagers between the ages of 13 to 17-years-old so they can send and receive money.

Introducing the Venmo Teen Account

Twilio

PayPal's efficiency plans are having a significant effect on its earnings metrics. Twilio's growth is slowing down, but it's rapidly approaching impressive profitability.

2 Bargain Stocks Down 80% to Buy Right Now

Under Armour

We also look at what's happening with PayPal and Under Armour's continued struggles.

Tips for How to Afford College

PayPal is the leader in the FinTech industry with a total of 433 million active accounts and a whopping $355 billion in TPV being processed through the platform last quarter. PayPal reported its Q1 results on May 8 and showed a resilient performance with double-digit TPV growth.

PayPal: Don't Underestimate This Opportunity

PayPal's challenges with slowing account growth persisted in the first quarter. PayPal's account growth fell to just 1% in 1Q-23. The market now appears overly bearish.

PayPal: Now A Steal At 11x Earnings

Advanced Micro Devices

Amazon

2022 was not kind to the Nasdaq or any other index, fund, or stock on the market. All thanks to the usual suspects: inflation, fears of recession, geopolitical issues, and everyone's favorite punching bag of the year, the Federal Reserve.

3 High-Quality Nasdaq Stocks to Buy on the Dip

I give reasons why PayPal Holdings, Inc. stock slumped after its - superficially quite good - first quarter results. A closer look at a number of performance and cost metrics confirms reasons for a slowdown. PayPal's moat may not be so wide after all, and its scaling effects appear limited.

Is PayPal Stock A Buy Now After Pullback? Question Its Moat And Earnings

SoFi Technologies

The comparison between the two companies becomes apparent when you look at financial metrics.

Best Growth Stock to Buy: SoFi vs. PayPal

Capital One

Fidelity National Information

Alphabet

Global Payments

JPMorgan Chase & Co

Mastercard

PNC Financial Services

Block

U.S. Bancorp

Visa

Wells Fargo

We discuss the dominant digital wallets. We highlight P2P platforms and how they'll morph.

Digital Wallets: The Winners Are Obvious

SAN JOSE, Calif. , May 18, 2023 /PRNewswire/ -- PayPal Holdings, Inc. (NASDAQ: PYPL) today announced it has granted equity awards on May 15, 2023 under its 2022 Inducement Equity Incentive Plan (the "Plan") to new employees who joined PayPal.

PayPal Announces New Employee Inducement Grants

Sellers are focused on the wrong metrics, which is leading them to be overly pessimistic. While PayPal's operating margins have been compressing, FCF margins have stayed flat and give investors an exceptional FCF yield.

PayPal: Far Too Attractive To Ignore

PayPal Holdings, Inc. (NASDAQ:PYPL ) Barclays Emerging Payments & Fintech Forum Conference May 17, 2023 10:20 AM ET Company Participants Gabrielle Rabinovitch - Interim CFO, SVP of Investor Relations and Treasurer Conference Call Participants Ramsey El-Assal - Barclays Ramsey El-Assal Okay. Very honored to welcome Gabrielle Rabinovitch, interim CFO, SVP of Investor Relations and Treasurer of PayPal for a chat with us today.

News for PayPal Stock (PYPL)