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

Teladoc

PayPal and Teladoc Health are generating less revenue growth than in years past, disappointing investors. Investors shouldn't overlook the macroeconomic conditions weighing down PayPal's business right now.

2 Beaten-Down Growth Stocks to Buy for the Long Haul

Airbnb

Sonos

Every once in a while, I like to consider stocks to buy on the dip. These are companies whose shares have fallen by 10% or more in the past week.

Buy the Dip: 3 Stocks to Snap Up After a 10% Drop

PayPal Holdings, Inc. (NASDAQ:PYPL ) SVB MoffettNathanson's Inaugural Technology, Media and Telecom Conference Call May 16, 2023 10:00 AM ET Company Participants Peggy Alford - EVP, Global Sales Conference Call Participants Lisa Ellis - MoffettNathanson Lisa Ellis All right. Terrific. Thank you.

PayPal Holdings, Inc. (PYPL) SVB MoffettNathanson's Inaugural Technology, Media and Telecom Conference Call Transcript

PayPal has seen a continued fall in the share price, while earnings growth has returned. Forward multiples have come down a lot as investors fear management turnover and lack of strategic clarity.

PayPal: Time To Pay Up

PayPal lost more than 15% in value after a double beat on revenue and EPS. Analysts are causing fear by overblowing lower operating margin guidance when prices are low.

PayPal: Time To Double Down

I am revisiting my investment thesis on PayPal, and after doing a deep dive into its financials and outlook, I think there is an opportunity as PayPal looks undervalued. PayPal is down around -80% from its 2021 highs, and you would have to go back to September of 2017 to see PayPal at its current valuation.

PayPal: The Market's Perception Created A Cheap Valuation And A Strong Opportunity

PayPal stock is down 80% from highs, but that drawdown was caused by temporary economic trouble. PayPal is the most accepted digital wallet in North America and Europe.

1 Magnificent Growth Stock Down 80% That You'll Regret Not Buying On the Dip

Deere & Company

Etsy

For this column, I will be using stocks on fintel.io's Gamma Squeeze Leaderboard list. According to the website, “A Gamma Squeeze is a specific event that happens when the price of a stock climbs suddenly due to actions in the options market.

3 Short-Squeeze Stocks Set for a Spectacular Rally

PayPal declined extremely steeply last week following earnings, but it seems like Mr. Market might be a bit irrational again. Not only could PayPal beat expectations, raise guidance and report solid first quarter results, the business model still seems to be intact.

PayPal: Mr. Market Isn't Getting It

PayPal investors were hit by a massive selloff this week as the company reported its first-quarter earnings. Structural headwinds likely spooked investors, even as the company continues its growth in unbranded processing.

PayPal: It Could Get Worse

PayPal era of strong growth seems long gone, registering a mere revenues growth rate of 8.5% in 2022 and 9% in the first quarter of 2023. Despite the market punishing PayPal for its poor growth performances, we long-term investors should start looking at PayPal no more as a growth stock but rather as a value stock.

PayPal: From Growth Stock To Value Stock

Despite recent downturns, PayPal, equipped with its robust resources, strong brand recognition, and technological adaptability, holds potential for future growth through cryptocurrency, buy-now-pay-later services, business lending, strategic partnerships and acquisitions, especially within developing international markets.

PayPal's Roller Coaster Ride

Can you believe that PayPal Holdings, Inc. stock has dropped by a staggering 80% from its all-time high? However, there's nothing wrong with PayPal fundamentally, as the company goes through a transitory (broad market) slowdown process.

PayPal: Now Beyond Dirt Cheap (Rating Upgrade)

PayPal reported earnings gains and beat estimates in Q1. There was some concern, however, about the operating margin expansion.

Why PayPal Stock Dropped 14.4% This Week

After a mixed quarter that was perceived as a very negative one, PayPal continues to slide to multi-year lows. As strong as the narratives around competition and margin headwinds are, I have hard time justifying the sell-off in the long run.

PayPal: Panicking As A Result Of Quarterly Trends And Narratives Is Not A Viable Strategy

PayPal sold off despite beating estimates in its recent earnings report. The stock is now trading at a price-to-earnings ratio of just 13 based on its guidance for the year.

PayPal Is Buying Back Its Stock. Should You?

PayPal notched solid revenue and profit growth in Q1 2023, but the market was nonplussed. Product mix, which ultimately affected profit margin growth, was the issue many investors decided to focus on.

After a Solid Start to 2023, Is PayPal Stock Still a Buy?

Disney

Microsoft

Wendy's

CyberArk Software

Robinhood

United States Steel

While the intense fervor of meme stocks to buy now may have peaked a while ago, that doesn't mean the activity of coordinating investments via social media platforms has gone away for good. Earlier this year, Barron's noted that the meme frenzy is back.

7 Meme Stocks That Are Still Alive and Kicking

PayPal Holdings delivered impressive first quarter results thanks to a rebound in e-commerce growth compared to the previous quarter's low levels. The fintech company surpassed expectations across various operating and volume metrics, according to analysts.

PayPal's strategy could pay off in the form of double-digit top-line growth, analysts say

Global X FinTech ETF

Grayscale Future of Finance ETF

Amplify Mobile Payments ETF

PayPal has fallen lately has due to rising competition in the digital-payment space. The company's latest earnings report has raised concerns among investors due to transaction margin pressures.

PayPal ETFs to Dump on Weak Guidance?

Block

The fintech scene has been crushed, with PayPal ( PYPL , Financial) and Block ( SQ , Financial) feeling profound selling pressure through 2022. The selling started a bit before the rest of the stock market rolled over in January 2022.

Is There Deep Value to Be Had in PayPal and Block?

MarketBeat keeps track of Wall Street's top-rated and best performing research analysts and the stocks they recommend to their clients on a daily basis.

Is Paypal Buyable On Post-Earnings Weakness?

Upstart Holdings

PayPal (NASDAQ: PYPL) and Upstart (NASDAQ: UPST) stock prices diverged after they published their earnings this week. Upstart shares jumped by 40% in extended hours to $19.66 while PayPal stock crashed by more than 12% on Tuesday.

PayPal and Upstart stock prices diverged after earnings: better buy?

AerCap Hlds

Baidu

Bayerische Motoren Werke AG

CIRCOR

Cool Co Ltd

Alphabet

Ramaco Resources

Mistras Group

Naspers Ltd

Horos is an asset management firm that knows the benefits of value investing over the long term. We invest in companies that we consider, after analyzing them, to have a value higher than the price they ask for within the stock market.

Horos Asset Management Quarterly Letter To Our Co-Investors - May 2023

Apple

C3.ai

Advanced Micro Devices

NVIDIA

Palantir Technologies

Rivian Automotive

The market seems to be inching closer to its next big short squeeze. Multiple popular meme stocks are in the spotlight as more names join the list of companies with no shares available to short.

News for PayPal Stock (PYPL)