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

PayPal's (PYPL) first-quarter results reflect the strong performance of Venmo and solid momentum in the United States.

PayPal (PYPL) Q1 Earnings Meet, Revenues Beat Estimates

PayPal beat Wall Street's revenue estimate for the first quarter but lowered its full-year outlook.

Why PayPal Stock Is Rising Today

PayPal Holdings Inc.'s frank discussion of its business outlook came as welcome relief to analysts, many of whom wondered whether investors would be willing to give the shares a look again now that the company faces a new, lowered bar.

The Ratings Game: PayPal's outlook cut is met with sigh of relief, but analysts still see ‘long road of rebuilding' ahead

Although PYPL stock is fundamentally intriguing, investors over the near to intermediate term should anticipate volatility. The post PayPal Stock Is a Solid Buy, But Only for the Long Run appeared first on InvestorPlace.

PayPal Stock Is a Solid Buy, But Only for the Long Run

PayPal Holdings (NASDAQ: PYPL) on Wednesday, April 27, after-hours trading rose at one point by 5.7% as they met earnings.

Right on the money – Paypal meets expectations as stock pops 5%

Sending money to pay for things via Venmo may be all the rage among smartphone-addicted millennials and Gen Zers. But it hasn't been enough to boost Venmo owner PayPal as of late. The digital payments giant is one of the worst performing stocks in the S&P 500 this year. Shares have plunged more than 55% so far in 2022.

Venmo owner PayPal is one of the worst stocks of 2022

It's no easy task to craft a payments ecosystem. Yes, PayPal noted that giving guidance is tough in the current environment — and yes, the macro headwinds are present and are impacting results.

PayPal's Buy Now Pay Later Volumes Surge 256%

PayPal Holdings, Inc. (NASDAQ:PYPL ) Q1 2022 Earnings Conference Call April 27, 2022 5:00 PM ET Company Participants Gabrielle Rabinovitch - SVP, Corporate Finance & IR Daniel Schulman - President, CEO & Director John Rainey - CFO & EVP, Global Customer Operations Conference Call Participants Lisa Ellis - MoffettNathanson Tien-Tsin Huang - JPMorgan Chase & Co. Darrin Peller - Wolfe Research Jason Kupferberg - Bank of America Merrill Lynch Michael Ng - Goldman Sachs Group Bryan Keane - Deutsche Bank David Togut - Evercore ISI Ramsey El-Assal - Barclays Bank Operator Good morning, afternoon, evening. My name is Chris, and I will be your conference operator today.

PayPal Holdings, Inc. (PYPL) CEO Daniel Schulman on Q1 2022 Results - Earnings Call Transcript

Paypal (PYPL) delivered earnings and revenue surprises of 0% and 1.17%, respectively, for the quarter ended March 2022. Do the numbers hold clues to what lies ahead for the stock?

Paypal (PYPL) Matches Q1 Earnings Estimates

Shares of PayPal Holdings Inc (NASDAQ: PYPL) are up 5.0% in extended trading after the fintech company reported better-than-expected revenue for its fiscal first quarter. What PayPal Holdings Q1 results tell us Net income printed at $509 million versus the year-ago figure of $1.1 billion.

PayPal stock seems unimpressed of strong Q1 revenue

QUALCOMM

Meta, PayPal, Qualcomm shares jump post-market: Stocks recap

PayPal Holdings Inc (NASDAQ: PYPL) reported first-quarter FY22 revenue growth of 8% year-over-year to $6.5 billion, beating the consensus of $6.4 billion. Revenue excluding eBay grew 15% on a spot basis.

PayPal Q1 Profits In-Line With Street Expectation, FY22 Outlook Lags Street Consensus

PayPal Holdings Inc.'s revenue and user growth came in slightly ahead of expectations Wednesday, but the payment-technology giant cut its outlook for the full year.

Earnings Results: PayPal cuts earnings outlook, but user growth quells some fears

iShares 20+ Year Treasury Bond ETF

Spotify

The TLT ETF, Facebook, PayPal and Spotify were our top stock trades for Thursday. Here's how the charts are setting up now.

4 Top Stock Trades for Thursday: FB, PYPL, SPOT, TLT

PayPal Holdings Inc lowered its full-year profit view on Wednesday, signaling that payments volumes at the company could take a hit from surging inflation and the conflict in Ukraine.

PayPal cuts annual profit view as macroeconomic challenges mount

SAN JOSE, Calif. , April 27, 2022 /PRNewswire/ -- PayPal Holdings, Inc. (NASDAQ: PYPL) today announced its first quarter 2022 results for the period ended March 31, 2022.

PayPal Reports First Quarter 2022 Results

PayPal is shuttering its San Francisco office as it evaluates its global office footprint. Multiple sources say the payments giant is closing its San Francisco office on 425 Market St. which housed its Xoom business unit.

PayPal shuttering its San Francisco office

Apple

Mobile payments and commerce platform Fintiv has slapped PayPal and Apple Pay with a lawsuit on allegations of patent infringement, according to Asia Financial and other reports on Wednesday (April 27). Fintiv filed a similar lawsuit against Walmart.

Fintiv Files Patent Lawsuit Against PayPal and Apple Pay

Shopify

Twilio

By returning to their all-time high, these stocks could stomp the market over the next five years.

3 Stocks That Could Triple Your Money

PayPal's (PYPL) first-quarter results are expected to reflect gains from strength across its robust product and services.

Portfolio Strength to Benefit PayPal's (PYPL) Q1 Earnings

Ford Motor Company

Before markets opened on Tuesday, United Parcel Service beat analysts' profit and revenue estimates for the March quarter.

Earnings Previews: Ford, Meta Platforms, PayPal, Qualcomm

PayPal Holdings has done well to grow its top and bottom lines in recent years, and that growth looks set to continue. This quality firm generates significant cash and it is trading at the cheap end of the spectrum relative to its peers.

PayPal Stock Is Undervalued Right Now

Affirm

Mastercard

Block

Could fintech stocks be worth a look at their current price points?

4 Top Fintech Stocks To Watch This Week

After losing more than half its value so far this year, PayPal Holdings Inc. still faces ‘uncertainty' from Wall Street.

Earnings Outlook: PayPal has been cut in half by Wall Street, but ‘uncertainty' still looms as earnings approach

PayPal Holdings, Inc (NASDAQ: PYPL) was trading slightly higher on Monday, athwart the S&P 500, which was trading over 1% lower. The heavily beaten down financial technology company is set to print its first-quarter earnings on Wednesday after the market close.

News for PayPal Stock (PYPL)