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

MercadoLibre

Moderna

Okta

A combination of solid earnings and investor optimism has many of the year's losers seeing some gains.

Tech Stocks Surging: 5 Stocks Sending the Nasdaq Higher on Wednesday

PayPal is a global leader in the digital payments industry. Shares have faced a difficult 12 months, and are down by more than 60%.

PayPal Q2 Results: Low Expectations Send Shares Soaring

PayPal stock rose 11% in aftermarket trading on Tuesday (August 2), after the company released Q2 2022 results. The confirmation of Elliott Management's $2bn stake was a big positive, but PayPal's operating performance was also reassuring.

PayPal: Mid-Teens Underlying Growth In Q2, Margin Expansion Guided Ahead

Bank of America said PayPal's commitment to returning cash to shareholders means a dividend could be announced early next year.

PayPal jumps 14% after the fintech launches a massive $15 billion stock buyback and receives the backing of Elliot Management

The digital payments leader reported a much-needed acceleration in revenue.

Why PayPal Holdings Stock Jumped on Wednesday

Consumers in Indonesia can now begin using PayPal after the payments company registered in that country as an electronic systems operator. As Reuters reported Wednesday (Aug. 3), PayPal was among several websites blocked by Indonesia over the weekend for failing to adhere to new licensing rules.

Indonesia Lifts Ban on PayPal Use

A positive quarter and solid outlook will certainly comfort some shareholders.

Why PayPal Holdings Stock Soared After Reporting Earnings

Paypal (NASDAQ: PYPL ) rose 13% overnight, as earnings were less bad than expected. Additionally, activist investor Elliott Management endorsed a new cost-cutting strategy for PYPL stock.

Elliott Management Is Betting Big on PayPal (PYPL) Stock

SoFi Technologies

Fintech stocks have under-performed vs. the S&P 500 amid fears of a recession and competition from startups and tech giants Apple and Amazon.

Fintech Stocks To Watch: PayPal, SOFI Jump On Earnings Reports

PayPal's shares soared in after-hours trading on better-than-expected results, but issues remain about the business model.

PayPal Continues To Struggle As Competition Increases

PayPal Holdings Inc. shares have fallen out of favor with investors this year after a string of resets, but the payment giant's management team is looking to flip the script with a series of moves intended to drive changes in the business.

PayPal earnings mark ‘pivot point' for stock: ‘This should help shake some investors off the sidelines'

The payments giant has now confirmed what many suspected.

Is PayPal Stock a Buy After Solid Results and $2 Billion Investment by Elliott Management?

Macroeconomic headwinds continue to weigh on fintech stocks, and PayPal (NASDAQ: PYPL ) is no exception. However, a recent development is helping to renew interest in this digital-first provider of payment solutions and other financial services.

Shareholder Activism Won't Fix the Key Issue With PayPal Stock

U.S. stock index futures edged higher on Wednesday, with focus on services activity data due later in the day after a report earlier this week amplified economic slowdown worries, while PayPal gained on raising its profit forecast.

Futures rise ahead of services activity data; PayPal shines

PayPal reported better than expected Q2'22 earnings. Company announced a $15B stock buyback, tripling the total repurchase amount during the pandemic.

PayPal: The Rebound Is Finally Here

Visa

Which payment company belongs in your portfolio?

Better Buy: PayPal or Visa?

Amazon

Alphabet

The growth-centric Nasdaq 100 is home to three widely owned stocks that are cheaper than they've ever been.

3 Nasdaq 100 Stocks to Buy Hand Over Fist in August

Airbnb

Investors will be watching shares of PayPal and Airbnb move in different directions as those and a slew of other companies report their quarterly earnings this Wednesday.

PayPal surges, Airbnb falls and more: Wednesday's 5 things to know

PayPal Holdings, Inc. (NASDAQ:PYPL ) Q2 2022 Earnings Conference Call August 2, 2022 5:00 PM ET Company Participants Gabrielle Rabinovitch - Interim CFO and SVP, Corporate Finance & IR Daniel Schulman - President, CEO & Director Conference Call Participants Tien-Tsin Huang - JPMorgan Chase & Co. Darrin Peller - Wolfe Research Lisa Ellis - MoffettNathanson Rayna Kumar - UBS Michael Ng - Goldman Sachs Group Jason Kupferberg - Bank of America Merrill Lynch David Togut - Evercore ISI Operator Good evening. My name is Savannah, and I will be your conference operator for today.

PayPal Holdings, Inc. (PYPL) CEO Daniel Schulman on Q2 2022 Results - Earnings Call Transcript

PayPal's most recent earnings results spotlight the continued digital shift, as active user counts eclipsed pre-pandemic levels.   And buy now, pay later (BNPL) volumes surged by triple-digit percentages.

PayPal: BNPL Volumes Surge 226% Year on Year

In its Q2 results, PayPal announced its new CFO in Blake Jorgensen, and that Elliott Management had secured a $2 billion stake in the company, making it one of the bigger investors, a press release said Tuesday (Aug. 2). Jorgensen is replacing John Rainey as CFO.

PayPal Names Ex-Electronic Arts CFO Blake Jorgensen as Its Chief Financial Officer

PayPal Names Blake Jorgensen Chief Financial Officer

Paypal (PYPL) delivered earnings and revenue surprises of 9.41% and 0.71%, respectively, for the quarter ended June 2022. Do the numbers hold clues to what lies ahead for the stock?

Paypal (PYPL) Tops Q2 Earnings and Revenue Estimates

Shares of PayPal Holdings Inc (NASDAQ: PYPL) are up nearly 15% in extended trading on Tuesday even though the fintech company swung to a loss in its fiscal second quarter. Why are PayPal shares up after the bell?

PayPal shares up 15% as a string of good news cloaks Q2 loss

PayPal Holdings Inc. ( PYPL , Financial) reported its second-quarter earnings on Tuesday, revealing a staggering $6.8 billion in quarterly revenue, which beat its estimate by $20 million. Moreover, the company managed to taper its expenses to surpass its bottom-line earnings target by 6 cents per share.

News for PayPal Stock (PYPL)