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

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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

Advanced Micro Devices

Disney

Paycom Software

Market trading action has turned positive with the S&P 500 up over 8% from its cycle low. An outlook for peak inflation providing room for the Fed to slow down on its pace of rate hikes can be positive for stocks going forward.

5 Fantastic S&P 500 Stocks To Buy Into Q2 Earnings

The U.K.'s appetite for a super app is huge. That assertion is according to a recent report published by PYMNTS in collaboration with PayPal, titled “The Super App Shift: How Consumers Want To Save, Shop And Spend In The Connected Economy.

UK Consumers Trust PayPal More Than Banks to Provide Super App, Study Finds

Amerant Bancorp

Morgan Stanley

Wells Fargo

These top financial stocks could be worth a look at their current price points.

4 Financial Stocks To Watch Right Now

Block

In the current economic scenario of uncertainty, I believe PayPal has a stronger economic-capital structure to deal with it than Block. PayPal's fair value is well above the current stock price; for Block, it is exactly the opposite.

PayPal Vs. Block: Being Profitable Is Crucial During A Recession

PayPal's valuation bubble has deflated already, with its P/E plunging from 88x not that long ago to the current 18x. For PayPal investors, the biggest question now is if it's a value trap.

Is PayPal A Value Trap?

Affirm

Crypto has had a very bad year, with bitcoin's 70% price collapse putting it in better shape than many other of the 10 largest cryptocurrencies, which are down 75% to 90%.

Why Are Payments Firms' Stocks Crashing Like Cryptocurrencies?

PayPal Holdings Inc (NASDAQ: PYPL) shares are trading higher by 4.28% to $72.53 Friday morning amid overall market strength. Also, JMP And RBC maintained bullish ratings on the stocks but lowered their price targets.

What's Happening With PayPal Shares Today?

Peloton

The majority of analysts on Wall Street recommend positive ratings for PayPal Holdings Inc. ( PYPL , Financial) and Peloton Interactive Inc. ( PTON , Financial). That is surprising given these two stocks haven't performed well over the past 52 weeks ending July 14.

2 Falling Knives to Catch

Which of these fintech top dogs deserves a spot in your portfolio?

Better Payment Stock: Block vs. PayPal

PayPal will continue its downward journey in the short term due to market risks and challenges. Buy PYPL stock when it hits rock bottom.

PayPal Stock Could Be a Buy Sooner Than You Think

While PayPal certainly has some issues, did it really deserve to fall more than 80%? PYPL stock may be an opportunity now.

How PayPal Stock Can Rally 4-Fold From Here

Booking Hlds

eBay

Microsoft

Ross Stores

Starbucks

If July's market gains begin to wither away, investors would be wise to consider unloading these seven Nasdaq stocks to sell. The post 7 Nasdaq Stocks to Sell Now appeared first on InvestorPlace.

7 Nasdaq Stocks to Sell Now

Apple

Adobe

NVIDIA

Although popular tech stocks to buy have been brutalized so far this year, they also offer discounted opportunities for contrarians. The post 7 Tech Stocks Trading at a Terrific Discount Right Now appeared first on InvestorPlace.

7 Tech Stocks Trading at a Terrific Discount Right Now

PayPal Holdings Inc (NASDAQ:PYPL) announced on June 28 it is expanding its offerings to include a business credit card, which targets small business owners.

Why 2023 Could Be a Great Year for PayPal Stock

Don't let the recent sell-off fool you -- fintech companies are the future of the financial services industry.

Exploit the War on Cash By Buying Shares of This Fintech Giant Today

PayPal's user and volume metrics have been rising rapidly over the past decade and could allow the company to see higher fundamentals in the long-run. Venmo's rising popularity and the crash of Bitcoin could allow it to better compete with Cash App.

PayPal: Growth For Value Investors

The share price dropped after an analyst lowered its price target

Why PayPal's Stock Price Sank Even Lower Today

SoFi Technologies

Upstart Holdings

If you're looking for long-term growth stocks at bargain prices, now's the time.

3 Discounted Fintech Stocks To Buy Now and Never Sell

The fintech leader's stock has fallen by nearly 75% this year but could be a long-term bargain.

Here's Why I Just Bought PayPal

PayPal Holdings Inc. PYPL shares have a “supportive” valuation after a recent slide, but the company may still face challenges stemming from pressure on the e-commerce industry, according to an analyst.

PayPal stock slips after downgrade: ‘Hard to ignore e-commerce woes'

PayPal reported solid quarterly results, with the top line increasing still at a high pace while the bottom line declined. The company will be hit by a potential recession, but long-term trends are still intact.

PayPal: Take Advantage Of This Opportunity

American Express

Mastercard

Visa

The overall malaise on Wall Street caused carnage in my verticals. Here are the best of fintech stocks to buy this July.

7 Best Fintech Stocks to Buy in July

Alphabet

Tech stocks rebounded on Tuesday as investors start to price in a softer Federal Reserve and a potential easing of Chinese tariffs. The post Why Did Tech Stocks Rebound Today?

Why Did Tech Stocks Rebound Today?

Investors don't want to buy fintech stocks.

Here's Why PayPal Stock Fell 18% in June

PayPal Holdings Inc (NASDAQ: PYPL) shares are trading higher by 4.01% to $74.26 during Tuesday's trading session. Shares of e-commerce and e-commerce-related companies at large are trading higher Tuesday amid volatility in stocks as traders assess the possibility of a recession.

News for PayPal Stock (PYPL)