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

ARK Fintech Innovation ETF

Global X FinTech ETF

Grayscale Future of Finance ETF

Exchange-traded funds allow investors to bet on fintech without single-stock risk.

End of PayPal Dominance Boosts Appeal of Fintech ETFs

PayPal's normalized earnings per share expanded by +15% QoQ to $1.24 in Q4 2022, and this was +4% better than management's bottom line guidance. The performance of PYPL's branded checkout and BNPL businesses for 2022 and 2023 year-to-date appears to be reasonably good.

Is PayPal Stock A Buy After Earnings? Yes, Watch Branded Checkout And BNPL Metrics

PayPal's total payment volume grew 9% YoY. In 2023, it hopes to reinvigorate growth with cost restructuring and innovation efforts.

PayPal's Q4 earnings: Cost restructuring will fuel product innovation in 2023

Digital payments technology provider PayPal Holdings Inc. (NASDAQ: PYPL) reported a strong Q4 2022 earnings report which may be the ticket to breaking out of the year-long weekly descending triangle pattern. PayPal has been losing its luster for the past year as the competition got heavy from Block Inc. (NYSE: SQ)

Can PayPal Get Out of Its Way?

PayPal is reportedly pausing its stablecoin project amid heightened scrutiny around the cryptocurrency industry. The payments company had wanted to unveil the stablecoin in the next few weeks, Bloomberg News reported Friday (Feb. 10), citing a source familiar with the matter.

PayPal Puts Stablecoin on Hold Amid Closer Regulatory Scrutiny

Adobe

Coursera

Alphabet

Microsoft

With the pandemic forcing a dramatic shift in the predominantly white-collar labor market, investors may want to adjust their stocks to buy to accommodate the future of work. As McKinsey & Company pointed out, innovations such as artificial intelligence and automation may bolster productivity.

7 “Future of Work” Stocks to Buy for a Remote World

Booking Hlds

Fortinet

General Motors

Illumina

MGM Resorts

ServiceNow

When looking for stocks to buy and hold for the next 20 years, it's essential to find ones with economic moat. After all, when it comes to picking stocks, they should strong competitive advantages that are in durable sectors.

7 Stocks to Buy and Hold for the Next 20 Years

PayPal Holdings Inc is pausing work on its stablecoin as regulators increase scrutiny of cryptocurrencies and a key partner on the project faces a probe by the New York State Department of Financial Services, Bloomberg News reported on Friday.

PayPal pauses stablecoin work amid regulatory scrutiny of crypto - Bloomberg News

PayPal Holdings Inc (NASDAQ: PYPL) is in focus on Friday after the digital payments giant reported better-than-expected profit for its fiscal fourth quarter. Should you buy PayPal stock?

What's next for PayPal stock after its CEO announced retirement?

The digital payments specialist announced a changing of the guard amid a turnaround that's gaining traction.

Why PayPal Stock Rallied Friday Morning

PayPal's (PYPL) fourth-quarter results reflect growing transactions and other value-added services' revenues.

PayPal (PYPL) Q4 Earnings Beat Estimates, Revenues Rise Y/Y

The retirement of CEO Dan Schulman provides an opportunity “for new thinking," one analyst says.

PayPal Rang Alarm Bells on Inflation. Analysts Are Staying Bullish.

With e-commerce spending growth slower, market share is becoming a key metric in digital payments.

PayPal Needs to Show It Can Play Defense and Offense

The fintech giant is going through some changes.

PayPal's CEO to Resign. Here's What Investors Should Know

The fintech giant is set to have a change in leadership, so could this be a catalyst to take the business to the next level?

PayPal CEO Plans to Step Down -- Good News for Investors?

PayPal Holdings Inc. has been a polarizing stock lately, and that looks to be continuing in the wake of the company's most recent earnings report.

PayPal earnings ‘leave much to debate' on a polarizing stock

Online payment giant PayPal Holdings Inc (NASDAQ:PYPL) confirmed longtime boss Dan Schulman will step down later this year, as the company reported relatively upbeat full-year results and stronger guidance for the year ahead. Schulman will retire by the year end, finishing an eight-year stint as chief executive, including overseeing PayPal spin-out from former parent eBay in 2015.

PayPal issues mixed guidance, boss to wave goodbye

PayPal's growth – like so many payments peers – is slowing. But even as the macro environment is uncertain, the active users that are in place are transacting more often.

PayPal Active Account Growth Slows, but Users Are Transacting More Often

PayPal Holdings, Inc. (NASDAQ:PYPL ) Q4 2022 Earnings Conference Call February 9, 2023 5:00 PM ET Company Participants Gabrielle Rabinovitch - SVP and Acting CFO Daniel Schulman - President and CEO Conference Call Participants Lisa Ellis - SVB MoffettNathanson Darrin Peller - Wolfe Research James Faucette - Morgan Stanley Tien-Tsin Huang - JPMorgan Jason Kupferberg - Bank of America Merrill Lynch Timothy Chiodo - Credit Suisse David Togut - Evercore ISI Operator Good afternoon. My name is Julianne and I will be your conference operator today.

PayPal Holdings, Inc. (PYPL) Q4 2022 Earnings Call Transcript

Expedia

Lyft

The Dow was -258 points, -0.76% for the day, the S&P 500 -0.87%, the Nasdaq sank an even -1.00% and the Russell 2000 took up the rear, -1.39%.

Markets Slide on Interest Rate Ruminations; PYPL, LYFT, EXPE Report

Paypal (PYPL) delivered earnings and revenue surprises of 3.33% and 0.24%, respectively, for the quarter ended December 2022. Do the numbers hold clues to what lies ahead for the stock?

Paypal (PYPL) Tops Q4 Earnings Estimates

PayPal President and CEO Dan Schulman plans to retire from the company on Dec. 31.

PayPal President and CEO Dan Schulman to Retire Dec. 31

Payments giant hasn't named a successor to Mr. Schulman, who retires in December

PayPal CEO Dan Schulman to Retire

PayPal Holdings reported fourth-quarter earnings and revenue that topped views while total payment volume missed. PayPal stock rose.

PayPal Earnings Top Estimates, CEO Schulman To Retire

PayPal Holdings Inc.'s cost-savings story continued in the holiday quarter, as the digital-payments company topped profit expectations for the period and issued an upbeat annual earnings forecast as its chief executive plans his exit.

News for PayPal Stock (PYPL)