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Paypal Stock (PYPL) CEO on 19% Revenue Growth in 2021 on Q4 2020 and Full Year Earnings Call

40 views | 4 Feb. 2021

Paypal Stock (PYPL) CEO

Paypal Stock (PYPL) CEO on 19% Revenue Growth in 2021 on Q4 2020 and Full Year Earnings Call

Q4’20: Outstanding finish to a record year

• Total Payment Volume (TPV) of $277 billion, growing 39%, and 36% on an FX-neutral basis (FXN); revenue of $6.12 billion, growing 23% on a spot and FXN basis

• GAAP EPS of $1.32, up 208% and non-GAAP EPS of $1.08, up 29%

• Added 16.0 million Net New Active Accounts (NNAs)

FY’20: Strongest performance in PayPal’s history

• TPV of $936 billion, growing 31% on a spot and FXN basis; revenue of $21.45 billion, growing 21%, and 22% FXN

• GAAP EPS of $3.54, up 71% and non-GAAP EPS of $3.88, up 31%

• ~$5.9 billion in Operating Cash Flow and ~$5.0 billion in Free Cash Flow

• Added 72.7 million NNAs

FY’21: Expect ongoing momentum with strong TPV growth and NNAs

• TPV expected to grow in the high 20’s on a percentage basis for the year

• Revenue expected to grow ~19% at current spot rates and ~17% on an FXN basis, to approximately ~$25.5 billion

• GAAP EPS is expected to be ~$3.20, compared to $3.54 in FY’20, which benefitted from ~$1.24 in net gains on strategic investments; non-GAAP EPS is expected to grow ~17%

• ~50 million NNAs expected to be added to PayPal’s platform in FY’21

Financial Highlights

Q4’20: Sustained revenue and earnings growth

• Revenue of $6.12 billion; growing 23% on a spot and FXN basis.

• GAAP operating margin of 15.7%, declining 36 basis points;

non-GAAP operating margin of 24.7%, expanding 104 basis points.

• GAAP EPS of $1.32, up 208%; non-GAAP EPS of $1.08, up 29%; GAAP EPS includes a net gain of $0.60 on strategic investments.

FY’20: Revenue and earnings acceleration

• Revenue of $21.45 billion; growing 21% on a spot basis and 22% FXN.

• GAAP operating margin of 15.3%, in-line with the prior year;

non-GAAP operating margin of 25.1%, expanding 187 basis points.

• GAAP EPS of $3.54 up 71%; non-GAAP EPS of $3.88, up 31%; GAAP EPS includes a net gain of ~$1.24 on strategic investments.

Operating Highlights

Q4’20: Continued momentum with double-digit account growth

• 16.0 million NNAs added, bringing total active accounts to 377 million, up 24%.

• 4.4 billion payment transactions, up 27%.

• $277 billion in TPV, up 39% on a spot basis and 36% FXN.

• Merchant Services volume grew 42% on a spot basis and 40% FXN, and represented 94% of TPV.

• Venmo processed approximately $47 billion in TPV, growing 60%.

FY’20: Record growth in NNAs and TPV

• 72.7 million NNAs added, bringing total active accounts to 377 million accounts, up 24%.

• 15.4 billion payment transactions, up 25%.

• $936 billion in TPV, up 31% on a spot and FXN basis.

• Merchant Services volume grew 33% on a spot and FXN basis.

• Venmo processed approximately $159 billion in TPV, growing 56%.

• 40.9 payment transactions per active account on a trailing twelve months basis, growing 1%. Adjusting for the acquisition of Honey in January 2020, 42.7 payment transactions per active account on a trailing twelve months basis, up 5%.

Balance Sheet and Liquidity

Strong balance sheet growth and cash-flow generation

• PayPal’s cash, cash equivalents, and investments totaled $19.2 billion as of December 31, 2020.

• PayPal’s debt totaled $8.9 billion as of December 31, 2020.

• In Q4’20, PayPal generated cash flow from operations of $1.35 billion, increasing 46%, and free cash flow of $1.12 billion, increasing 50%. In FY’20, PayPal has generated cash flow from operations of $5.85 billion, growing 44%, and free cash flow of $4.99 billion, growing 48%.

• In Q4’20, PayPal repurchased approximately 1.3 million shares of common stock, returning $265 million to stockholders.

Strategic Initiatives and Business Updates

Advancing our digital wallet and merchant value proposition

• PayPal introduced a new Cash a Check feature, enabling Venmo users to access a quick, easy and secure way to cash paper checks. The new feature allows select Venmo customers to cash checks directly from the Venmo app.

• PayPal launched QR code payments in iZettle’s point of sale app, allowing small businesses across the UK - from retailers to florists and cafes - to accept safe and secure touch-free payments from customers.

• Xoom, PayPal’s money transfer service, introduced secure and convenient money transfers directly to mobile wallets in 12 key markets across Africa with a focus on the underbanked segment - with plans to include more markets in 2021.

• CVS Pharmacy implemented touch-free checkout using PayPal and Venmo QR codes at 8,200 standalone retail locations.

• Approximately 600,000 merchants now accept PayPal and Venmo QR codes.

Paypal acquisition

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PayPal's Honey Review: User Data and Privacy Policy Compromise

2 290 views | 25 Nov. 2019

As you have heard PayPal

As you have heard PayPal has acquired Honey for 4 Billion dollars and in this video I will go over what the takeover means for most of the consumers using Honey and how will PayPal change that. PayPal has been known to lose market share among other payment processors purchasing Honey might be one of their ways of taking back some of the control. Honestly Honey can easily spiral down as the only thing that’s holding them is the extension. PayPal might be taking a risk but let me know about the PayPal buying Honey for $4 Billion and if you think its worth it and why is PayPal buying Honey for. We also learn how and what does Honey Science store in their User Data which will benefit PayPal the most.

Again, thanks for watching my latest video PayPal’s Honey,

Make sure to follow me on twitter.com/100mcc

henry García

Excellent project i will invest in the

Luis Silva

hey very interesting but the truth is that paypal has lost a lot of its market due to its account blocking policies many people lose their money for this reason that is why they have chosen to use other methods but well we will see that it will come out of all this I hope it is good

Hường Đặng

This is essential and extremely important for accounts that use, such as paypal

Ангелина Прутковская

I am going to try this system as soon as possible

Артем Казаков

good review, everything is clear, thanks

murs11

thanks

Богдан Кушнир

I like this solution! And you?

Георгий Назаров

Very useful site. I will try to take advantage

Anush Martirosyan

I liked the review.

Liza Rincon

Hello thank you for the info, is it safe for the user, or its too much of personal info

Александр Панарин

Nike. Like.

Работа

I don't understand you

Nemanja Zarkovic

I use paypal ,in my opinion paypal is numer one wallet in the world.

Зангаров Дамир

Thanks for the review

Алина Притулик

Thanks for your channel, keep up the good work! Interesting movie!)

Андрей Крапивка

Good

eglantine gaspar de garcia

Paypal's reputation increases the expectation and confidence of the Honey project

Qw Wq

Cool!!!

Рома Изков

Watched with interest

Hunter\

Thank you for explaining on this topic many questions have become clear !!!

Esther Simon

Vividlogs com got me 13,000 usd out their PayPal hack

Julieth Rodriguez

I can say that Paypal has been one of the best online payment methods and with horney it helps me find the best deals

Master Link

Thanks for the review

Gamer_ TV

I liked this insteresting review!

TopTV1

Very interesting! The work is just super!

Яна Вертинская

Thanks for your channel, keep up the good work!

Alex Diablo

Nice video!!!

ana inasaride

Interesting

Serine Sargsyan

VERY INTERESTING VIDEO THANKS

emin 1966

A nice interesting video review, Thanks to the author, everything is clear and understandable in the language!

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klasni

Alexsandra113 Interesnaja

COGNITIVE VIDEO THANKS TO THE CREATORS!

Марина Юч

This system will change a lot of things in this world, such is PayPal.

Dalip Singh

Nice video

Евгений К

Thanks to the author of the channel for useful information.

jose Madrid

very good paypal video

Ganesh Adhikari

All the comments are fake lol.... Fucking bots

Fifa 20009

Norms vidosik the main thing is not diarrhea

Ирина Кольцова

I liked this insteresting review!

Божко Вячеслав

Thanks for the video, I will now build my sales network

Алексей задорожний

nice

Хабиб Худжамкулов

useful video ? nice work man )

Adriana Stewart

It is a very literate and detailed description.

Dalip Singh

Nice video

Виктория Аникина

It's good video

Влад Лазарев

This is good video, like)

Андрей Стрижак

OK BY

Анна Новикова

Video interesting. Instructive!?

Лидия Яременко

I liked the video. I have been using PayPal for a long time.

Juanito alcachofa

we know that paypal has lost popularity and confidence in the last five years, this is just another attempt to position itself

Ирина Новик

I would like to know more why PayPal is losing market share among other payment systems?

Сергей Марченко

This video has an atmospheric music. It is like watching film). Thx for good job.

Viktor Kravchenko

Well designed circuit. This can solve many problems!

TIGRAN ARTASHESYAN

a very interesting video deserves a million views

Дима Мороз

very interesting to ry this wallet system, thak you for the video

Андрей Бобылёв

This video has an atmospheric music. It is like watching film). Thx for good job.

ALL & BUNDOSS

The's relya wow

Nik_LinniK

One love

Aina Aina

everything is informative clearly filmed thank you for this video with me like!

Наташа

oh this is quite useful video for me! Cool! Thank you

Анна Абрамова

Norms vidosik the main thing is not diarrhea

наташа соколова

As for me, this review it was interesting and this video really can help. Thanks.

Сергей Береснев

Very interesting and informative video review !

Duy Hưng Trần

Hopefully this is a breakthrough step of Paypal and wishes to bring the best experience to users

Велоцераптор Стегозаврович

Thanks for the informative video, the system works as it should!

Crow MR

cool video

кристина олейник

I think this investment will be safe. Thanks a lot for this video)))

Ира Кот

definitely and unambiguously video worthy of special attention of every viewer interested in the subject

igor belyaev

nice pewiew

Shota Suneku

Thanks for the Honey review!

Games Slicing

Thanks for the great review! I have been using PayPal for a long time

Станислав Янов

Great and very useful video. It was interesting to see and learn information. Thanks.

Виктория Ильц

Very interesting review, learned a lot.

FJIAMEP

Very informative. Thank you

lawfulme

Seems like a ton of those comments are bo,ts or sth, because you can find exact duplicates of comments

Плюшка Добра

Like

елена белова

very interesting video, thank you all clear and very informative

Cingiz Memmedov

thanks for the information of honey and paypal .... I had many doubts ... and it is good that you help to clarify them

Наталья Марасина

The purchase of Honey was the largest acquisition in the history of PayPal, which is forced to deal with growing competition from companies such as Google, Amazon, Facebook and Apple. It's not bad!

Иван Сидоров

An interesting video, I think many should like it. like

Naks Grom

Thanks for the video, everything is very easy and clear!!!

Юрій Новітскій

thanks for your videos

ира сомова

Personal data protection is important in the modern world.the popular system has many users

Александра Ким

It is very good information!

CAROLINA GARCIA

I am going to invest in this project it was recommended to me

Yana Fofonova

Thanks for the video, everything is very easy and clear!

Slava Belov

cool video

Владимир Тимофеев

good system

P4R C0N

Nice video men , thanks you .

Canderbuzz

Paypal is the best global service that moves the payment amount

LuLuLa YT

Very interesting view

AC1

Very interesting view

HOPOLOSOPOLO

Thank you for your video, I think this is very useful information

HENRY GARCIA

Paypal has always been a synonym of trust, why not invest in this project?

F4O9

In principle everything is clear and correctly said

dual_1725

PayPal is the best exchanger and currency keeper in your account. . . I use it constantly, even there are as many as two wallets

Тина

It is very good information!

svanaval

Thanks for the video I liked this insteresting review Thanks to the author nice work man

Pavel Petrov

Thanks!?

largull

you can hear a lot of interesting things in this video