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 Q1 2022

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Earnings data Q1 2023

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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

Coinbase

Mastercard

Visa

Whether you're looking to scoop up some beaten-down bargains or trying to play it safe, analysts see potential in the payments sector heading into the new year.

Visa, Mastercard are ‘great defensive names' for 2023, but PayPal and Coinbase stocks could be set for a rebound, analysts say

Having exited our position via a covered call trade when PYPL stock was in the $90s, we have patiently waited for a new entry point. PYPL stock is trading at multi-year lows but the growth story and profitability is still intact, making this look like a good entry point.

PayPal: Bullish Again, How We Are Trading The Stock

Alphabet

Starbucks

We're in the teeth of a bear market and there's no other way to put it. However, that doesn't mean investors — big and small — should be completely shying away from equities.

The 3 Best Stocks to Buy If You Have $500 to Spend

Advanced Micro Devices

Netflix

Tesla

Amazon

Salesforce

Edwards Lifesciences

Intel

Micron Technology

It appears to us at Smead Capital Management that investors are behaving in a way that will damage their capital and cause them to suffer stock market failure. In 2022, as the favorite tech stocks of the last ten years got trounced, individual investors poured $100 billion into mutual funds and ETFs dominated by ownership of the very stocks which have created the most damage to their results.

Unreliable Contrarianism

The electronic payments trailblazer is facing slower growth and fierce competition.

PayPal Stock: Buy, Sell, or Hold Before 2023?

SoFi Technologies

These promising fintech stocks are hot buys on the heels of recent sell-offs.

2 Stocks Down 63% and 71% to Buy Right Now

Baidu

Teladoc

These fast-paced innovators and industry leaders are poised for a bounce-back year.

5 Beaten-Down Growth Stocks That Can Soar in 2023

We believe that Venmo could benefit from the partnership with Amazon to allow it as a payment method based on Venmo's share of digital wallets of 2.65%. We forecasted Venmo's payment volume contribution from Amazon to increase by $4,586 mln in 2022 and increase to $30,060 mln by 2025.

PayPal: Revenue Boost From Amazon-Venmo Partnership

Apple

Allianz SE

Blackrock Inc

iShares Select Dividend ETF

Johnson & Johnson

Microsoft

Realty Income Corp

Procter & Gamble

Schwab US Dividend Equity ETF

Unilever

In this article I will show you 8 companies and 2 ETFs to help you build a balanced portfolio consisting of Dividend Income and Dividend Growth. Assuming that you were to invest equally in each of the picks, you would achieve an Average Dividend Yield [TTM] of 2.94%.

10 Picks For A Balanced Dividend Income And Dividend Growth Portfolio

Pinterest

Now's a good time to invest in a pair of businesses that are performing a lot better than their stock price performance would suggest.

2 Terrific Growth Stocks Down 72.1% and 77.6% to Buy Now and Hold Forever

Although accounts growth is slowing for PayPal, key metrics are still indicating platform strength. Engagement remained high in Q3'22 and transactions per active accounts are growing.

PayPal: Top Recession Value

Block

The older, aging icon still holds a couple of edges on the younger up-and-comer.

More Likely to 5X First: PayPal vs. Block

Doximity

For reasons of their own, both of these stocks have a good chance to outperform in 2023 and beyond.

2 Exceptional Stocks That Are Set to Soar in 2023

If the market rallies in 2023 a sector rotation into tech is likely to drive the market higher and investors will flock to great tech companies that are on sale. PYPL has declined by -62.19% in 2022 and investors may look at this as a company with the potential to regain much of the ground it lost in during the bear market.

PayPal: A Top Pick For Capital Appreciation In 2023

Bank of America

Disney

The Oracle of Omaha's $5.9 billion hidden portfolio is home to five amazing companies that are ripe for the picking.

5 Phenomenal Stocks in Warren Buffett's Secret Portfolio That Are Screaming Buys in 2023

The market doesn't have high expectations of PYPL as evidenced by the changes in the consensus price target and rating for the stock in the last one year. The two catalysts for PayPal that investors should watch for in 2023 are better-than-expected share gains and faster-than-expected BNPL growth.

PayPal Stock Forecast For 2023: What To Watch For

PayPal's (PYPL) partnership with ConsenSys is likely to expand its customer reach in the cryptocurrency space.

PayPal (PYPL) Integrates With MetaMask, Boosts Crypto Efforts

PayPal is primarily known as an online payment method. But the company wants to become an easy way to get started with cryptocurrencies.

PayPal and MetaMask team up to make it easier to buy crypto

PayPal Holdings Inc (NASDAQ:PYPL) is expanding its cryptocurrency offering for US users through an integration with crypto wallet MetaMask. Developed by New York-based software firm ConsenSys, MetaMask is a popular browser extension for interacting with applications on the Ethereum blockchain and performing transactions with Ethereum-based tokens.

PayPal's MetaMask integration heralds crypto self-custody surge

Cloudflare

These beaten-down growth stocks are still brimming with potential.

A Bull Market Is Coming: 2 Growth Stocks Down 76% and 77% to Buy Before 2023

PayPal (NASDAQ: PYPL) and MetaMask have partnered to allow users to fund their wallets and buy crypto, the companies announced on Wednesday. The integration means MetaMask users can seamlessly use funds in their PayPal accounts to buy Ethereum.

PayPal partners with MetaMask to allow users buy crypto

After an initial surge, PayPal's stock price dropped into negative territory for the day.

Why PayPal Stock Was Volatile Today

Aflac

Flowers Foods

Before we discuss the top 10 stock picks for 2023, we can all agree that the economy has two pathways from here. One, the real impact of the rate hikes sits in front of us and will trigger a deep recession in 2023.

News for PayPal Stock (PYPL)