Analyst Consensus ?
ConsensusHold68 ratings
Bullish2435.3%
Neutral4160.3%
Bearish34.4%
1 unmapped firm rating excluded from the percentages.
PayPal Holdings, Inc. · PYPL · FY2025 Q1 · Calendar Q2 2025
PayPal Maintains 2025 Guidance as Debit and Venmo Gain
The supplied transcript analysis supports a constructive but conditional view: PayPal's profitable growth, debit adoption, Venmo momentum and new commerce initiatives strengthen the operating narrative, while macro, credit, competitive and rollout risks remain material.
Reported Before market openNASDAQFinancial Services
$47.50B market cap
70quality score
Earnings scorecard
Reported versus consensus
Reported EPS
—
Consensus $1.15
EPS surprise
—
Reported versus consensus
Reported revenue
—
Consensus $7.84B
Revenue surprise
—
Reported versus consensus
Market reaction
prior-close to event-session close
Stock move
+2.1%
Event window
SPY move
+0.6%
Same window
Abnormal move
+1.5%
Stock minus SPY
Volume
1.6×
Versus trailing sessions
Subsequent drift
+7.7%
Up to 20 sessions
PYPLSPY benchmark
Ask FN2 about PYPL FY2025 Q1
Transcript, numbers and history already loaded
What drove PYPL's +2.1% move after FY2025 Q1 earnings?What changed in PYPL's guidance and outlook in FY2025 Q1?Give me the bull and bear case for PYPL after FY2025 Q1 earnings.
Free account. Your question opens in FN2 with this report's transcript and numbers attached.
Transcript intelligence
What changed
The quarter's analysis emphasized continued profitable growth and stronger consumer engagement through debit and Venmo. Management also highlighted new AI-enabled commerce capabilities, international PayPal Ads, PYUSD rewards and expanded BNPL as areas intended to support future platform development.
Guidance delta
Management maintained full-year 2025 guidance despite macroeconomic uncertainty.
Key takeaways
- Management described a fifth consecutive profitable quarter, with transaction margin dollars up 8% and non-GAAP EPS up 23%.
- Branded-experience TPV grew 8%, while PayPal and Venmo debit TPV increased 100% and 64%, respectively.
- Venmo revenue rose 20% and Pay with Venmo TPV increased 50%.
- New initiatives include AI-enabled commerce, PayPal Ads, expanded BNPL and PYUSD rewards.
Management priorities
- Expand branded checkout, omnichannel experiences and debit-card adoption.
- Scale Venmo, Pay with Venmo and BNPL offerings.
- Develop AI-enabled agentic commerce and the remote MCP server ecosystem.
- Expand PayPal Ads internationally, beginning with the UK.
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Analyst 52W Price Targets
$56.05Current
$40Low
$94.27Average
$290High
Latest persisted target per named analyst; persisted current price from FN2's market snapshot as of Oct 13, 2026. Not an FN2 forecast.
Firm-level rating actions
FMP grade actions identify the grading firm, not a named analyst.
| Firm | Rating | Prior rating | Action | Date |
|---|---|---|---|---|
| Barclays | Equal Weight | Equal Weight | Maintain | Oct 9, 2026 |
| Truist Securities | Hold | Hold | Maintain | Aug 31, 2026 |
| RBC Capital | Outperform | Outperform | Maintain | Aug 31, 2026 |
| Loop Capital | Hold | Hold | Maintain | Aug 28, 2026 |
| Piper Sandler | Neutral | Neutral | Maintain | Aug 17, 2026 |
| Cantor Fitzgerald | Neutral | Neutral | Maintain | Aug 3, 2026 |
| Wells Fargo | Equal Weight | Equal Weight | Maintain | Jul 29, 2026 |
| TD Cowen | Hold | Hold | Maintain | Jul 29, 2026 |
| Susquehanna | Positive | Positive | Maintain | Jul 29, 2026 |
| Mizuho | Neutral | Neutral | Maintain | Jul 29, 2026 |
| Macquarie | Neutral | Neutral | Maintain | Jul 29, 2026 |
| Keefe, Bruyette & Woods | Outperform | Outperform | Maintain | Jul 29, 2026 |
| JP Morgan | Neutral | Neutral | Maintain | Jul 29, 2026 |
| Citigroup | Neutral | Neutral | Maintain | Jul 29, 2026 |
| Canaccord Genuity | Hold | Hold | Maintain | Jul 29, 2026 |
| BMO Capital | Market Perform | Market Perform | Maintain | Jul 29, 2026 |
| Baird | Neutral | Neutral | Maintain | Jul 29, 2026 |
| Goldman Sachs | Sell | Sell | Maintain | Jul 9, 2026 |
| UBS | Neutral | Neutral | Maintain | May 6, 2026 |
| Needham | Hold | Hold | Maintain | May 5, 2026 |
| B of A Securities | Neutral | Neutral | Maintain | Apr 21, 2026 |
| KGI Securities | Neutral | Outperform | Downgrade | Mar 2, 2026 |
| Morgan Stanley | Underweight | Underweight | Maintain | Feb 4, 2026 |
| Evercore ISI Group | In Line | In Line | Maintain | Feb 4, 2026 |
| Citizens | Market Perform | Market Outperform | Downgrade | Feb 4, 2026 |
| BTIG | Neutral | Neutral | Maintain | Feb 3, 2026 |
| Daiwa Capital | Neutral | Outperform | Downgrade | Jan 13, 2026 |
| Argus Research | Buy | Buy | Maintain | Oct 29, 2025 |
| Wolfe Research | Peer Perform | Outperform | Downgrade | Oct 3, 2025 |
| JMP Securities | Market Outperform | Market Outperform | Maintain | Jul 30, 2025 |
| Seaport Global | Neutral | Sell | Upgrade | Jul 14, 2025 |
| Monness, Crespi, Hardt | Buy | Buy | Maintain | Apr 8, 2025 |
| Citizens Capital Markets | Market Outperform | Market Outperform | Maintain | Feb 26, 2025 |
| Phillip Securities | Accumulate | Buy | Maintain | Nov 1, 2024 |
| Stephens & Co. | Equal Weight | Equal Weight | Maintain | Oct 18, 2024 |
| Bernstein | Market Perform | Outperform | Downgrade | Oct 10, 2024 |
| Deutsche Bank | Buy | Buy | Maintain | Sep 23, 2024 |
| William Blair | Market Perform | Outperform | Downgrade | Jul 18, 2024 |
| DZ Bank | Hold | Buy | Downgrade | Feb 9, 2024 |
| Wedbush | Outperform | Outperform | Maintain | Feb 8, 2024 |
| Oppenheimer | Perform | Perform | Maintain | Jan 25, 2024 |
| Jefferies | Hold | Hold | Maintain | Oct 9, 2023 |
| MoffettNathanson | Market Perform | Outperform | Downgrade | Sep 18, 2023 |
| Credit Suisse | Neutral | Neutral | Maintain | Jul 24, 2023 |
| Atlantic Equities | Neutral | Overweight | Downgrade | Jun 13, 2023 |
| Exane BNP Paribas | Neutral | Outperform | Downgrade | May 12, 2023 |
| Edward Jones | Hold | Buy | Downgrade | May 10, 2023 |
| Raymond James | Market Perform | Outperform | Downgrade | Feb 6, 2023 |
| SMBC Nikko | Underperform | Neutral | Downgrade | Jan 18, 2023 |
| Keybanc | Overweight | Downgrade | Jan 9, 2023 | |
| DA Davidson | Buy | Buy | Maintain | Nov 7, 2022 |
| Berenberg | Buy | Buy | Maintain | Jul 27, 2022 |
| Redburn Partners | Neutral | Buy | Downgrade | Jul 8, 2022 |
| Rosenblatt | Buy | Buy | Maintain | Apr 28, 2022 |
| Cowen & Co. | Outperform | Outperform | Maintain | Apr 28, 2022 |
| SunTrust Robinson Humphrey | Hold | Hold | Maintain | Jul 30, 2020 |
| Nomura | Buy | Buy | Maintain | Apr 9, 2020 |
| Guggenheim | Buy | Neutral | Upgrade | Jan 31, 2020 |
| Buckingham Research | Neutral | Buy | Downgrade | Feb 25, 2019 |
| Buckingham | Neutral | Buy | Downgrade | Feb 25, 2019 |
| BTIG Research | Buy | Neutral | Upgrade | Oct 19, 2018 |
| Bank of America | Buy | Buy | Maintain | Sep 11, 2018 |
| Stifel Nicolaus | Buy | Buy | Maintain | Jul 26, 2018 |
| Stifel | Buy | Buy | Maintain | Jul 26, 2018 |
| Argus | Buy | Buy | Maintain | Nov 17, 2017 |
| Pacific Crest | Overweight | Sector Weight | Upgrade | Jun 21, 2017 |
| FBN Securities | Outperform | Sector Perform | Upgrade | May 1, 2017 |
| PiperJaffray | Neutral | Underweight | Upgrade | Apr 27, 2017 |
| Monness Crespi Hardt | Buy | Neutral | Upgrade | Jan 3, 2017 |
Named analyst price targets
Upside is calculated against the persisted current price $56.05. FMP does not supply a rating on these named-analyst rows.
| Firm | Analyst | 52W target | Price when posted | Upside | Date |
|---|---|---|---|---|---|
| Barclays | Analyst unavailable | $56 | $55.02 | -0.1% | Oct 9, 2026 |
| Deutsche Bank | Analyst unavailable | $55 | $53.22 | -1.9% | Sep 25, 2026 |
| RBC Capital | Analyst unavailable | $70 | $53.66 | +24.9% | Aug 31, 2026 |
| Truist Financial | Analyst unavailable | $53 | $53.66 | -5.4% | Aug 31, 2026 |
| Loop Capital Markets | Dominick Gabriele | $50 | $61.47 | -10.8% | Aug 28, 2026 |
| Mizuho Securities | Analyst unavailable | $51 | $61.47 | -9.0% | Aug 28, 2026 |
| Truist Financial | Analyst unavailable | $62 | $60.43 | +10.6% | Aug 19, 2026 |
| Piper Sandler | Analyst unavailable | $59 | $61.66 | +5.3% | Aug 17, 2026 |
| Truist Financial | Analyst unavailable | $59 | $58.86 | +5.3% | Aug 5, 2026 |
| RBC Capital | Daniel Perlin | $65 | $58.39 | +16.0% | Jul 29, 2026 |
| Argus Research | Stephen Biggar | $70 | $58.38 | +24.9% | Jul 29, 2026 |
| UBS | Analyst unavailable | $61 | $58.45 | +8.8% | Jul 29, 2026 |
| BMO Capital | Andrew Bauch | $56 | $58.54 | -0.1% | Jul 29, 2026 |
| UBS | Analyst unavailable | $45 | $58.32 | -19.7% | Jul 29, 2026 |
| Susquehanna | James Friedman | $67 | $58.32 | +19.5% | Jul 29, 2026 |
| Robert W. Baird | Colin Sebastian | $57 | $58.32 | +1.7% | Jul 29, 2026 |
| Barclays | Analyst unavailable | $57 | $58.32 | +1.7% | Jul 29, 2026 |
| Morgan Stanley | James Faucette | $45 | $58.32 | -19.7% | Jul 29, 2026 |
| Deutsche Bank | Nate Svensson | $45 | $58.32 | -19.7% | Jul 29, 2026 |
| Goldman Sachs | Analyst unavailable | $50 | $58.32 | -10.8% | Jul 28, 2026 |
| Truist Financial | Matthew Coad | $57 | $56 | +1.7% | Jul 24, 2026 |
| Barclays | Analyst unavailable | $55 | $57.34 | -1.9% | Jul 16, 2026 |
| Canaccord Genuity | Joseph Vafi | $55 | $55.52 | -1.9% | Jul 16, 2026 |
| Goldman Sachs | Analyst unavailable | $48 | $44.53 | -14.4% | Jul 9, 2026 |
| Barclays | Analyst unavailable | $42 | $45.65 | -25.1% | Jul 7, 2026 |
| Piper Sandler | Bill Carcache | $42 | $44.38 | -25.1% | Jun 29, 2026 |
| Truist Financial | Analyst unavailable | $44 | $45.07 | -21.5% | May 12, 2026 |
| Macquarie | Paul Golding | $50 | $46.27 | -10.8% | May 7, 2026 |
| UBS | Analyst unavailable | $48 | $46.04 | -14.4% | May 6, 2026 |
| Truist Financial | Matthew Coad | $45 | $49.79 | -19.7% | Apr 24, 2026 |
| BMO Capital | Andrew Bauch | $52 | $50.88 | -7.2% | Apr 21, 2026 |
| Cantor Fitzgerald | Ramsey El-Assal | $54 | $51.99 | -3.7% | Apr 21, 2026 |
| UBS | Analyst unavailable | $50 | $49.57 | -10.8% | Apr 16, 2026 |
| Truist Financial | Analyst unavailable | $39 | $42.07 | -30.4% | Feb 10, 2026 |
| Macquarie | Analyst unavailable | $58 | $40.8 | +3.5% | Feb 4, 2026 |
| RBC Capital | Analyst unavailable | $59 | $40.09 | +5.3% | Feb 4, 2026 |
| Susquehanna | Analyst unavailable | $63 | $40.36 | +12.4% | Feb 4, 2026 |
| Goldman Sachs | Analyst unavailable | $41 | $41.7 | -26.9% | Feb 4, 2026 |
| Mizuho Securities | Analyst unavailable | $60 | $41.7 | +7.0% | Feb 4, 2026 |
| Robert W. Baird | Analyst unavailable | $52 | $41.7 | -7.2% | Feb 4, 2026 |
| UBS | Timothy Chiodo | $44 | $41.7 | -21.5% | Feb 4, 2026 |
| Morgan Stanley | James Faucette | $34 | $41.7 | -39.3% | Feb 4, 2026 |
| Wells Fargo | Analyst unavailable | $48 | $41.7 | -14.4% | Feb 4, 2026 |
| HSBC | Analyst unavailable | $47 | $41.7 | -16.1% | Feb 4, 2026 |
| Canaccord Genuity | Joseph Vafi | $42 | $41.7 | -25.1% | Feb 4, 2026 |
| Compass Point | Analyst unavailable | $51 | $41.7 | -9.0% | Feb 4, 2026 |
| Raymond James | Analyst unavailable | $48 | $41.7 | -14.4% | Feb 3, 2026 |
| Evercore ISI | Adam Frisch | $40 | $41.96 | -28.6% | Feb 3, 2026 |
| Morgan Stanley | James Faucette | $50 | $55.51 | -10.8% | Jan 28, 2026 |
| Redburn Partners | Analyst unavailable | $50 | $55.51 | -10.8% | Jan 28, 2026 |
| Cantor Fitzgerald | Ramsey El-Assal | $60 | $56.6 | +7.0% | Jan 26, 2026 |
| Truist Financial | Matthew Coad | $58 | $55.66 | +3.5% | Jan 20, 2026 |
| Stephens | Analyst unavailable | $65 | $56.4 | +16.0% | Jan 16, 2026 |
| Daiwa | Analyst unavailable | $61 | $57.29 | +8.8% | Jan 13, 2026 |
| Susquehanna | Analyst unavailable | $90 | $58.31 | +60.6% | Jan 8, 2026 |
| Mizuho Securities | Analyst unavailable | $75 | $59.81 | +33.8% | Dec 22, 2025 |
| Morgan Stanley | Analyst unavailable | $51 | $60.18 | -9.0% | Dec 18, 2025 |
| Robert W. Baird | Analyst unavailable | $66 | $61.69 | +17.8% | Dec 12, 2025 |
| Compass Point | Dominick Gabriele | $56 | $61.46 | -0.1% | Dec 9, 2025 |
| Wells Fargo | Analyst unavailable | $67 | $61.12 | +19.5% | Dec 9, 2025 |
| Deutsche Bank | Nate Svensson | $65 | $62.6 | +16.0% | Dec 5, 2025 |
| Mizuho Securities | Dan Dolev | $84 | $69.68 | +49.9% | Oct 30, 2025 |
| Argus Research | Stephen Biggar | $87 | $70.84 | +55.2% | Oct 29, 2025 |
| Compass Point | Dominick Gabriele | $66 | $71.56 | +17.8% | Oct 29, 2025 |
| Canaccord Genuity | Analyst unavailable | $100 | $73.02 | +78.4% | Oct 29, 2025 |
| Morgan Stanley | James Faucette | $74 | $73.02 | +32.0% | Oct 29, 2025 |
| Robert W. Baird | Colin Sebastian | $83 | $73.02 | +48.1% | Oct 29, 2025 |
| UBS | Tim Chiodo | $80 | $73.02 | +42.7% | Oct 29, 2025 |
| RBC Capital | Analyst unavailable | $91 | $75.97 | +62.4% | Oct 28, 2025 |
| Truist Financial | Analyst unavailable | $65 | $70.99 | +16.0% | Oct 24, 2025 |
| Wells Fargo | Analyst unavailable | $74 | $70.05 | +32.0% | Oct 21, 2025 |
| Goldman Sachs | Will Nance | $70 | $69.81 | +24.9% | Oct 13, 2025 |
| Morgan Stanley | Analyst unavailable | $75 | $69.71 | +33.8% | Jul 30, 2025 |
| Piper Sandler | Patrick Moley | $74 | $78.22 | +32.0% | Jul 29, 2025 |
| UBS | Timothy Chiodo | $75 | $65.84 | +33.8% | Apr 30, 2025 |
| Barclays | Ramsey El-Assal | $80 | $60.94 | +42.7% | Apr 15, 2025 |
| Arete Research | Analyst unavailable | $81 | $68.86 | +44.5% | Mar 27, 2025 |
| Morgan Stanley | James Faucette | $90 | $85.45 | +60.6% | Dec 18, 2024 |
| Barclays | Ramsey El-Assal | $92 | $89.05 | +64.1% | Dec 5, 2024 |
| Macquarie | Paul Golding | $95 | $78.73 | +69.5% | Oct 30, 2024 |
| BMO Capital | Rufus Hone | $82 | $78.98 | +46.3% | Oct 30, 2024 |
| Susquehanna | James Friedman | $94 | $80.28 | +67.7% | Oct 30, 2024 |
| Goldman Sachs | Will Nance | $79 | $78.05 | +40.9% | Oct 29, 2024 |
| Stephens | Charles Nabhan | $85 | $79.82 | +51.7% | Oct 18, 2024 |
| Wells Fargo | Andrew Bauch | $75 | $80.82 | +33.8% | Oct 17, 2024 |
| Bernstein | Harshita Rawat | $80 | $81.65 | +42.7% | Oct 10, 2024 |
| Capital One Financial | Rufus Hone | $73 | $77.44 | +30.2% | Oct 3, 2024 |
| Deutsche Bank | Bryan Keane | $94 | $76.76 | +67.7% | Sep 23, 2024 |
| Morgan Stanley | James Faucette | $71 | $73.12 | +26.7% | Sep 19, 2024 |
| Robert W. Baird | Colin Sebastian | $80 | $72.03 | +42.7% | Sep 6, 2024 |
| Bank of America Securities | Jason Kupferberg | $74 | $70.55 | +32.0% | Aug 28, 2024 |
| Daiwa | Kazuya Nishimura | $72 | $64.28 | +28.5% | Aug 9, 2024 |
| Canaccord Genuity | Joseph Vafi | $80 | $66.31 | +42.7% | Jul 31, 2024 |
| BMO Capital | Rufus Hone | $72 | $66.73 | +28.5% | Jul 31, 2024 |
| Macquarie | Paul Golding | $90 | $64 | +60.6% | Jul 31, 2024 |
| Bernstein | Harshita Rawat | $78 | $64 | +39.2% | Jul 31, 2024 |
| Evercore ISI | David Togut | $72 | $64 | +28.5% | Jul 30, 2024 |
| Monness | Gus Gala | $95 | $62.62 | +69.5% | Jul 30, 2024 |
| Susquehanna | James Friedman | $71 | $57.81 | +26.7% | Jul 2, 2024 |
| Goldman Sachs | Will Nance | $69 | $59.59 | +23.1% | Jun 24, 2024 |
| UBS | Tim Chiodo | $71 | $59.12 | +26.7% | Jun 18, 2024 |
| New Street | Soomit Datta | $80 | $62.51 | +42.7% | May 31, 2024 |
| Mizuho Securities | Dan Dolev | $90 | $61.05 | +60.6% | May 30, 2024 |
| Stifel Nicolaus | Charles Nabhan | $75 | $66.14 | +33.8% | May 1, 2024 |
| Evercore ISI | David Togut | $65 | $67.92 | +16.0% | May 1, 2024 |
| Mizuho Securities | Dan Dolev | $68 | $66.09 | +21.3% | May 1, 2024 |
| BMO Capital | Rufus Hone | $65 | $65.99 | +16.0% | May 1, 2024 |
| Wells Fargo | Andrew Bauch | $65 | $67.92 | +16.0% | May 1, 2024 |
| RBC Capital | Daniel Perlin | $84 | $65.98 | +49.9% | May 1, 2024 |
| JMP Securities | David Scharf | $70 | $63.43 | +24.9% | Apr 17, 2024 |
| Barclays | Ramsey El-Assal | $81 | $63.51 | +44.5% | Apr 16, 2024 |
| Goldman Sachs | Michael Ng | $74 | $56.13 | +32.0% | Feb 8, 2024 |
| Mizuho Securities | Dan Dolev | $72 | $56.77 | +28.5% | Nov 14, 2023 |
| Mizuho Securities | Dan Dolev | $92 | $60.06 | +64.1% | Aug 15, 2023 |
| Susquehanna | James Friedman | $78 | $64.72 | +39.2% | Aug 3, 2023 |
| Credit Suisse | Timothy Chiodo | $80 | $73.84 | +42.7% | Jul 24, 2023 |
| Wedbush | Moshe Katri | $85 | $63.49 | +51.7% | Jun 9, 2023 |
| JMP Securities | David Scharf | $85 | $66.42 | +51.7% | May 9, 2023 |
| Morgan Stanley | James Faucette | $72 | $73.05 | +28.5% | Mar 24, 2023 |
| Canaccord Genuity | Joseph Vafi | $160 | $80.73 | +185.5% | Feb 10, 2023 |
| Mizuho Securities | Dan Dolev | $105 | $77.69 | +87.3% | Jan 4, 2023 |
| Truist Financial | Andrew Jeffrey | $95 | $74.58 | +69.5% | Jan 3, 2023 |
| Piper Sandler | Analyst unavailable | $85 | $73.8 | +51.7% | Dec 13, 2022 |
| Barclays | Analyst unavailable | $108 | $73.57 | +92.7% | Dec 12, 2022 |
| Barclays | Ramsey El-Assal | $100 | $75.18 | +78.4% | Nov 6, 2022 |
| Jefferies | Trevor Williams | $75 | $75.18 | +33.8% | Nov 4, 2022 |
| Goldman Sachs | Mike Ng | $110 | $76.55 | +96.3% | Nov 4, 2022 |
| Barclays | Ramsey El Assal | $100 | $75.18 | +78.4% | Nov 4, 2022 |
| Stephens | Charles Nabhan | $80 | $75.18 | +42.7% | Nov 4, 2022 |
| SMBC Nikko | Andrew Bauch | $95 | $75.18 | +69.5% | Nov 4, 2022 |
| Goldman Sachs | Mike Ng | $110 | $75.18 | +96.3% | Nov 4, 2022 |
| UBS | Rayna Kumar | $123 | $75.18 | +119.4% | Nov 4, 2022 |
| Susquehanna | James Friedman | $100 | $95.03 | +78.4% | Sep 20, 2022 |
| Raymond James | John Davis | $123 | $97.05 | +119.4% | Sep 14, 2022 |
| Deutsche Bank | Bryan Keane Keane | $140 | $97.6 | +149.8% | Sep 12, 2022 |
| Wells Fargo | Analyst unavailable | $120 | $95.4 | +114.1% | Sep 8, 2022 |
| Evercore ISI | David Togut | $136 | $101.51 | +142.6% | Aug 16, 2022 |
| Mizuho Securities | Analyst unavailable | $118 | $98.68 | +110.5% | Aug 8, 2022 |
| BMO Capital | Analyst unavailable | $124 | $96.68 | +121.2% | Aug 4, 2022 |
| Barclays | Analyst unavailable | $131 | $97.92 | +133.7% | Aug 4, 2022 |
| Stephens | Charles Nabhan | $95 | $97.92 | +69.5% | Aug 3, 2022 |
| Truist Financial | Analyst unavailable | $108 | $98.33 | +92.7% | Aug 3, 2022 |
| UBS | Analyst unavailable | $136 | $98.75 | +142.6% | Aug 3, 2022 |
| Wells Fargo | Analyst unavailable | $123 | $89.63 | +119.4% | Aug 3, 2022 |
| Credit Suisse | Analyst unavailable | $110 | $89.63 | +96.3% | Aug 3, 2022 |
| JMP Securities | Analyst unavailable | $120 | $89.63 | +114.1% | Aug 3, 2022 |
| Jefferies | Trevor Williams | $93 | $89.63 | +65.9% | Aug 3, 2022 |
| RBC Capital | Daniel Perlin | $92 | $85.56 | +64.1% | Jul 27, 2022 |
| Berenberg Bank | Analyst unavailable | $145 | $77.04 | +158.7% | Jul 27, 2022 |
| Oppenheimer | Analyst unavailable | $101 | $81.05 | +80.2% | Jul 25, 2022 |
| Morgan Stanley | James Faucette | $129 | $82.49 | +130.2% | Jul 21, 2022 |
| Wells Fargo | Jeff Cantwell | $97 | $80.24 | +73.1% | Jul 20, 2022 |
| Wells Fargo | Analyst unavailable | $97 | $79.38 | +73.1% | Jul 20, 2022 |
| J.P. Morgan | Analyst unavailable | $112 | $77.74 | +99.8% | Jul 20, 2022 |
| JMP Securities | Analyst unavailable | $100 | $71.14 | +78.4% | Jul 15, 2022 |
| Piper Sandler | Analyst unavailable | $93 | $74.4 | +65.9% | Jul 6, 2022 |
| Truist Financial | Andrew Jeffrey | $80 | $71.4 | +42.7% | Jul 4, 2022 |
| Credit Suisse | Timothy Chiodo | $95 | $71.47 | +69.5% | Jun 29, 2022 |
| Wells Fargo | Jeff Cantwell's | $115 | $75.82 | +105.2% | Jun 27, 2022 |
| Wedbush | Moshe Katri | $110 | $79.3 | +96.3% | Jun 11, 2022 |
| Barclays | Ramsey El Assal | $125 | $75.17 | +123.0% | May 11, 2022 |
| Morgan Stanley | James Faucette | $137 | $78.75 | +144.4% | May 10, 2022 |
| Mizuho Securities | Dan Dolev | $120 | $91.53 | +114.1% | May 3, 2022 |
| D.A. Davidson | Christopher Brendler | $131 | $87.93 | +133.7% | May 1, 2022 |
| RBC Capital | Analyst unavailable | $110 | $85.63 | +96.3% | Apr 28, 2022 |
| JMP Securities | Analyst unavailable | $112 | $85.71 | +99.8% | Apr 28, 2022 |
| BMO Capital | Analyst unavailable | $114 | $85.99 | +103.4% | Apr 28, 2022 |
| Susquehanna | Analyst unavailable | $115 | $82.61 | +105.2% | Apr 28, 2022 |
| Morgan Stanley | Analyst unavailable | $139 | $82.61 | +148.0% | Apr 28, 2022 |
| Citigroup | Analyst unavailable | $120 | $82.61 | +114.1% | Apr 28, 2022 |
| Piper Sandler | Christopher Donat | $140 | $82.61 | +149.8% | Apr 28, 2022 |
| Piper Sandler | Christopher Donat | $140 | $92.09 | +149.8% | Apr 28, 2022 |
| Wells Fargo | Jeff Cantwell | $115 | $92.09 | +105.2% | Apr 28, 2022 |
| SMBC Nikko | Andrew Bauch | $90 | $92.09 | +60.6% | Apr 28, 2022 |
| JMP Securities | David Scharf | $112 | $92.09 | +99.8% | Apr 28, 2022 |
| Loop Capital Markets | Hal Goetsch | $138 | $92.09 | +146.2% | Apr 28, 2022 |
| Oppenheimer | Dominick Gabriele | $118 | $92.09 | +110.5% | Apr 28, 2022 |
| Jefferies | Trevor Williams | $95 | $92.09 | +69.5% | Apr 28, 2022 |
| Credit Suisse | Timothy Chiodo | $100 | $92.09 | +78.4% | Apr 28, 2022 |
| Susquehanna | James Friedman | $115 | $92.09 | +105.2% | Apr 28, 2022 |
| SMBC Nikko | Andrew Bauch | $90 | $92.09 | +60.6% | Apr 28, 2022 |
| D.A. Davidson | Christopher Brendler | $144 | $82.61 | +156.9% | Apr 27, 2022 |
| Rosenblatt Securities | Sean Horgan | $180 | $82.61 | +221.1% | Apr 27, 2022 |
| Wolfe Research | Darrin Peller | $160 | $82.61 | +185.5% | Apr 27, 2022 |
| Mizuho Securities | Dan Dolev | $175 | $82.61 | +212.2% | Apr 27, 2022 |
| D.A. Davidson | Chris Brendler | $144 | $83.7 | +156.9% | Apr 26, 2022 |
| SMBC Nikko | Andrew Bauch | $105 | $86.03 | +87.3% | Apr 25, 2022 |
| RBC Capital | Daniel Perlin | $118 | $86.03 | +110.5% | Apr 24, 2022 |
| Credit Suisse | Timothy Chiodo | $155 | $86.03 | +176.5% | Apr 23, 2022 |
| Wells Fargo | Donald Fandetti | $152 | $102.31 | +171.2% | Apr 15, 2022 |
| Stephens | Charles Nabhan | $135 | $117.65 | +140.9% | Apr 5, 2022 |
| Robert W. Baird | Colin Sebastian | $175 | $116.67 | +212.2% | Apr 1, 2022 |
| Goldman Sachs | Michael Ng | $144 | $118.49 | +156.9% | Mar 30, 2022 |
| Deutsche Bank | Bryan Keane | $200 | $113.76 | +256.8% | Mar 25, 2022 |
| Bank of America Securities | Jason Kupferberg | $107 | $96.57 | +90.9% | Mar 12, 2022 |
| Morgan Stanley | James Faucette | $190 | $100.22 | +239.0% | Mar 9, 2022 |
| UBS | Rayna Kumar | $158 | $105.02 | +181.9% | Feb 24, 2022 |
| DZ BANK AG | Werner Eisenmann | $140 | $124.3 | +149.8% | Feb 3, 2022 |
| Barclays | Ramsey El Assal | $200 | $124.3 | +256.8% | Feb 3, 2022 |
| Bernstein | Harshita Rawat | $140 | $124.3 | +149.8% | Feb 3, 2022 |
| Loop Capital Markets | Hal Goetsch | $212 | $124.3 | +278.2% | Feb 3, 2022 |
| Berenberg Bank | Tammy Qiu | $190 | $132.57 | +239.0% | Feb 2, 2022 |
| Jefferies | Trevor Williams | $145 | $132.57 | +158.7% | Feb 2, 2022 |
| Oppenheimer | Dominick Gabriele | $190 | $132.57 | +239.0% | Feb 2, 2022 |
| Wedbush | Moshe Katri | $170 | $132.57 | +203.3% | Feb 2, 2022 |
| BMO Capital | James Fotheringham | $180 | $132.57 | +221.1% | Feb 2, 2022 |
| Truist Financial | Andrew Jeffrey | $130 | $132.57 | +131.9% | Feb 2, 2022 |
| Piper Sandler | Christopher Donat | $185 | $132.57 | +230.1% | Feb 2, 2022 |
| Oddo BHF | Martin Marandon-Carlhian | $200 | $132.57 | +256.8% | Feb 2, 2022 |
| Rosenblatt Securities | Sean Horgan | $216 | $132.57 | +285.4% | Feb 2, 2022 |
| Evercore ISI | David Togut | $245 | $132.57 | +337.1% | Feb 2, 2022 |
| KeyBanc | Josh Beck | $200 | $132.57 | +256.8% | Feb 2, 2022 |
| JMP Securities | David Scharf | $198 | $132.57 | +253.3% | Feb 2, 2022 |
| Canaccord Genuity | Joseph Vafi | $215 | $132.57 | +283.6% | Feb 2, 2022 |
| Cowen & Co. | Georgios Mihalos | $147 | $132.57 | +162.3% | Feb 2, 2022 |
| Wolfe Research | Darrin Peller | $160 | $132.57 | +185.5% | Feb 2, 2022 |
| Atlantic Equities | Kunaal Malde | $180 | $132.57 | +221.1% | Feb 2, 2022 |
| Susquehanna | James Friedman | $220 | $132.57 | +292.5% | Feb 2, 2022 |
| Citigroup | Ashwin Shirvaikar | $235 | $156.98 | +319.3% | Jan 26, 2022 |
| Mizuho Securities | Dan Dolev | $200 | $158.2 | +256.8% | Jan 25, 2022 |
| Raymond James | John Davis | $229 | $178.42 | +308.6% | Jan 16, 2022 |
| BNP Paribas | Alexandre Faure | $200 | $182.95 | +256.8% | Jan 10, 2022 |
| Compass Point | Michael Del Grosso | $290 | $252.02 | +417.4% | May 6, 2021 |
Track every rating change on PYPL the moment it posts. Free to start.
Start freeCompany context
Snapshot as of publicationPayPal Holdings, Inc. provides a worldwide technological framework that facilitates digital financial transactions for both businesses and individual users. The company offers a wide array of payment services through well-known brands such as PayPal, PayPal Credit, Braintree, Venmo, Xoom, Zettle, Hyperwallet, Honey, and Paidy. Through its extensive platform, consumers are able to send and receive funds across roughly 200 global markets and in approximately 100 different currencies. Additionally, users can transfer money to their bank accounts in 56 currencies and maintain account balances in 25 distinct currencies within their PayPal accounts. Founded in 1998, the company's corporate headquarters are situated in San Jose, California.
Historical context
All PYPL earningsFinancial Services peers this season
Latest reports in the same sector| Company | Quarter | EPS surprise | Market move | Headline |
|---|---|---|---|---|
| FDS FactSet Research Systems Inc. | FY2026 Q4 · Calendar Q3 2026 | +3.9% | +3.8% | FactSet reports record FY26 results as AI and MCP adoption accelerate |
| PUK Prudential plc | FY2026 Q2 · Calendar Q3 2026 | -40.9% | -0.5% | Prudential sustains growth and capital returns focus in H1 2026 |
| CM Canadian Imperial Bank of Commerce | FY2026 Q3 · Calendar Q3 2026 | +8.9% | -2.8% | CIBC Q3: Broad growth, resilient credit and expanded AI rollout |
| TD The Toronto-Dominion Bank | FY2026 Q3 · Calendar Q3 2026 | +13.8% | +1.4% | TD emphasizes growth investments alongside disciplined capital management |
Latest beats and misses
Who reports nextBeat on EPS
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One email per quarter with the scorecard, the market reaction and what changed on the call. No account needed.
Sources
- Earnings call transcript and parsed analysis · 2026-05-11T10:29:34.698584+00:00
- FN2 earnings calendar · 2025-04-15T00:03:42.498162+00:00
- Polygon adjusted daily market bars · 2026-10-12T22:50:45.940850+00:00
- Financial Modeling Prep analyst price-target consensus and quote snapshot · 2026-10-12T22:50:45.938185+00:00
Methodology
Reported and consensus figures come from FN2's earnings event records. Market reaction and volume are calculated from daily adjusted bars around the event; abnormal move subtracts the SPY move over the same window.
Analyst target low, average, and high values are derived at request time from each named analyst's latest persisted FMP target. The current-price marker comes from FN2's persisted market snapshot. They are sell-side estimates, not an FN2 valuation or recommendation.
Transcript intelligence is a structured synthesis of the current and prior earnings-call analyses. Missing values stay missing and are never estimated.
By FN2 Research · Updated · As of 2026-10-12. For educational purposes only; not investment advice.