PYPL
PayPal Holdings, Inc.61.33
+0.59+0.97%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
FY Q3 '25
Reinvestments to pressure 2026 growth
Q&A flagged aggressive reinvestments in agentic commerce, BNPL upstream presentment, and growth initiatives as near-term headwinds to transaction margin dollars and EPS growth into 2026, even as Q3's diversified momentum held firm. Management detailed BNPL's global skew (under 30% U.S. originations), 40-day portfolio turns, and 35% TPV flywheel lift—nuances beyond prepared remarks. Venmo expansions like Built rent payments and college debit drives surfaced newly. Macro basket declines persisted into October, offsetting branded progress. Investments prioritize long-term shifts. Watch February's 2026 plan.
Key Stats
Market Cap
58.59BP/E (TTM)
12.32Basic EPS (TTM)
4.98Dividend Yield
0%Recent Filings
8-K
€65B BNPL receivables deal
PayPal subsidiaries signed a receivables purchase agreement on November 11, 2025, with Alps 2.0 Partners to sell up to €65 billion of UK and European BNPL loan receivables over a 28-month forward-flow commitment, expected to close Q4 2025. PayPal retains servicing under a management agreement while guaranteeing obligations, offloading assets yet controlling operations. Deal exposes off-balance sheet risks like repurchases for breaches.
8-K
PayPal launches $5B CP program
10-Q
Q3 FY2025 results
PayPal's Q3 revenue climbed 7% year-over-year to $8.4B, fueled by 8% TPV growth to $458B, while operating income rose 9% to $1.5B on steady 18% margins—derived from tighter transaction costs despite higher fraud losses. Diluted EPS hit $1.30, up 32% from $0.99, reconciling neatly with 960 million shares and $1.2B net income. Cash equivalents swelled to $9.0B from $6.7B year-end, with free cash flow at $3.4B (derived: $4.0B operating cash minus $658M capex), supporting $4.5B in buybacks; long-term debt edged to $11.3B after a $1.5B issuance. A small Q2 acquisition added $7M goodwill, no synergies disclosed. Yet regulatory probes into merchant practices linger as a key risk.
8-K
PayPal boosts guidance, starts dividend
PayPal reported robust Q3 2025 results, with net revenues up 7% to $8.4 billion and transaction margin dollars rising 6% to $3.9 billion, fueled by 8% growth in total payment volume to $458.1 billion. The board kicked off a quarterly dividend at $0.14 per share, payable December 10, signaling confidence in cash generation while repurchasing $1.5 billion in stock. PayPal raised full-year non-GAAP EPS guidance to $5.35-$5.39. Strong execution bolsters profitability, yet competition looms large.
8-K
PayPal boosts Q2 results, guidance
PayPal reported robust Q2 2025 results, with net revenues up 5% to $8.3 billion and transaction margin dollars rising 7% to $3.8 billion, fueled by branded experiences and value-added services. Operating income climbed 14% to $1.5 billion, while active accounts grew 2% to 438 million. Momentum strong. The company raised full-year non-GAAP EPS guidance to $5.15–$5.30, yet flagged risks from competition and regulatory shifts.
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