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 (PYPL) came out with quarterly earnings of $1.48 per share, beating the Zacks Consensus Estimate of $1.36 per share. This compares to earnings of $1.24 per share a year ago.

Paypal (PYPL) Surpasses Q4 Earnings and Revenue Estimates

PayPal reported Q4 earnings that topped estimates. PYPL stock dipped as total payment volume processed from merchant customers edged by views.

PayPal Earnings Beat. Payment Volume Edges By Estimates Amid Apple Worries

PayPal reported fourth-quarter financials that topped analysts' estimates but provided guidance that came in slightly below Wall Street expectations.

PayPal issues disappointing guidance even as fourth-quarter earnings top estimates

PayPal's forecast of flat growth in adjusted profit for the current year overshadowed a market-beating earnings report, sending shares of the payments giant down 5% in extended trading.

PayPal sees flat profit in 'transition year', shares fall

SAN JOSE, Calif. , Feb. 7, 2024 /PRNewswire/ -- PayPal Holdings, Inc. (NASDAQ: PYPL) today announced its fourth quarter and full year 2023 results for the period ended December 31, 2023.

PayPal Reports Fourth Quarter and Full Year 2023 Results

When big-named investors make their positions public, the investing public tends to take notice. That certainly appears to be the case today with PayPal (NASDAQ: PYPL ), as Altimeter Capital's Brad Gerstner announced a position in the fintech giant via a post on X (formerly Twitter).

Altimeter Capital Is Betting Big on PayPal (PYPL) Stock

PayPal Holdings Inc.'s new management pleased investors three months back with its strategic vision for the future. But when PayPal next reports results Wednesday afternoon, Wall Street may be looking for more than just talk.

PayPal earnings: Can company shake the image of being a ‘melting ice cube'?

Amazon

Alphabet

Microsoft

SAP SE

Block

Rent the Runway

While no one wants to be on the business end of a downsizing, for investors – particularly folks interested in tech stocks – the matter presents a possible nuanced opportunity. To be sure, when the pink slips fly, there's usually a reason for it.

Lean and Mean: 7 Tech Stocks to Buy Amid Sector Downsizing

SoFi Technologies

Visa

The fintech sector is always evolving, and is one of the most important aspects of the economy. While it has suffered during inflation and the high interest environment, things are looking a lot better now.

3 Must-Buy Fintech Stocks to Add to Your Portfolio This Month

The expectations are low for the undervalued fintech company.

PayPal Reports Earnings Today. This Is What Investors Should Expect.

PayPal's valuation is relatively cheap considering its top- and bottom-line growth.   Because PayPal lacks strong differentiation, other players are able to come in and grab market share from it.

Paypal Stock: Bull vs. Bear

Pinterest

The market has been tough on some pandemic favorites, but share price only tells you so much. Pinterest is leveraging the power of AI to drive better advertising decisions.

2 Super Growth Stocks to Buy Hand Over Fist for 2024

The payments company reports earnings after the market close Wednesday.

PayPal Must Show It Can Compete With Big Tech

Everest Group Ltd

Nkarta, Inc.

Amidst the bustle of large tech giants taking up the artificial intelligence ( AI ) space and news headlines of leading pharmaceutical juggernauts marking key development milestones, many quality stocks can easily fly under an investor's radar. Whether those are smaller companies producing innovative solutions or undervalued companies slowly working toward profitability, there lay hundreds of opportunities for investors that many investors have glazed over.

3 Sleeper Stocks With Serious Potential to Make You a Millionaire

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

Portfolio Strength to Benefit PayPal's (PYPL) Q4 Earnings

PayPal's (PYPL) fourth-quarter results are expected to reflect strength across Venmo, Checkout experiences and BNPL solutions amid macro headwinds.

PayPal (PYPL) to Post Q4 Earnings: What's in the Offing?

PayPal is on my list of top stocks to buy, and this move makes it even more attractive.

Huge News for PayPal Stock Investors

The market is currently at a tipping point, whether investors at large want to admit it or not. With the major indices trading at all-time highs, most market participants tend to fall into a hysteria fallacy.

PayPal stock making a sudden turn, earnings breakout?

PayPal's (NASDAQ: PYPL ) Jan. 30 announcement that it was cutting 9% of its global workforce (about 2,500 employees) did not surprise investors. Much of the PayPal stock analysis, since Alex Chriss was appointed as CEO of the digital payments company last August, revolved around the changes required to make it a more agile company.

PYPL Stock Analysis: Is PayPal Trimming the Fat for a Leaner, Meaner Comeback?

Tandem Diabetes Care

Not every company has kept pace with the rising market, but some laggards could prove winners. Tandem Diabetes Care's innovative devices and long runway for growth should help turn things around.

2 Beaten-Down Stocks That Are Worth Buying

Booking Hlds

MSCI

Diversification is a fundamental rule in investing, yet the richest people in the world have built their wealth through concentrated bets. The S&P 500 index lacks company and sector diversification, with the top 5 companies holding a significant portion of the index. The typical investor should consider diversifying beyond market cap-weighted indices to achieve a sufficient level of portfolio diversification.

Buy These 3 Stocks During The Next Pullback And Diversify Your Portfolio

Beyond analysts' top -and-bottom-line estimates for Paypal (PYPL), evaluate projections for some of its key metrics to gain a better insight into how the business might have performed for the quarter ended December 2023.

Seeking Clues to Paypal (PYPL) Q4 Earnings? A Peek Into Wall Street Projections for Key Metrics

Okta

Identity security company Okta told its staff on Thursday it will cut as many as 400 employees, the latest in a string of job cuts this year that have rocked the tech industry, including at Microsoft, Amazon, eBay and PayPal, following a parade of layoffs in 2022 and 2023.

Okta, Block, PayPal Cut Hundreds Of Jobs—Here Are 2024's Tech Layoffs

PayPal (PYPL) said Tuesday it is cutting 9% of its total workforce, joining a string of tech firms announcing layoffs this year.

PayPal Plans to Cut 9% of Workforce, Adding to Wave of Tech Layoffs

PayPal plans to cut 9% of its workforce, or 2,500 employees in 2024. The Q4 earnings report for PYPL stock is due on Feb. 7.

News for PayPal Stock (PYPL)