PayPal Holdings, Inc. · PYPL · Next earnings

PayPal Holdings, Inc. reports Tuesday, Feb 2, 2027

PYPL reports before market open with consensus EPS at $1.43 and revenue at $8.92B. Last quarter: PayPal Raises EPS Guidance as Venmo and Financial Services Grow

Reports Before market open89 days awayDate estimated Financial Services

What the street expects

Consensus for the coming report
Consensus EPS $1.43 Calendar consensus
Consensus revenue $8.92B Calendar consensus
Report date Feb 2, 2027 Tuesday, date estimated
Session Before market open 89 days away

Where PYPL left off: FY2026 Q3

Full report

PayPal Raises EPS Guidance as Venmo and Financial Services Grow

EPS surprise +10.7% Reported $1.45 vs $1.31
Revenue surprise -1.5% Reported $8.58B vs $8.71B
Stock move +2.0% Event window
Subsequent drift 0.0% Up to 20 sessions

Management raised full-year EPS guidance to $5.60. The supplied analysis also describes transaction margin dollars as growing 2% and non-GAAP EPS as growing 8%.

What to watch on the call

Carried forward from the last transcript

Risks management flagged

  • EU de minimis tax exemption removal is creating an approximately 70-basis-point headwind to branded checkout.
  • Execution risk remains around the multiyear transformation, cost savings and required growth investment.
  • Competitive and macroeconomic pressure could affect digital payments, BNPL and consumer credit performance.

Questions analysts left open

  • The path to mid-single-digit transaction margin growth by 2027 and the balance between cost reductions and growth investment.
  • Persistence of EU de minimis tariff headwinds and competitive pressure in digital payments and BNPL.
  • Details, size and strategic fit of any selective M&A, alongside Venmo monetization and PSP value-added-services execution.

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Recent PYPL quarters

All PYPL earnings
+2.0%FY2026 Q3+4.0%FY2026 Q2-7.7%FY2026 Q1-20.3%FY2025 Q4

Sources

  1. FN2 corporate events calendar, resolved from the earnings calendar feed
  2. FN2 earnings calendar analyst consensus
  3. Earnings call transcript analysis, FY2026 Q3

Methodology

The report date comes from FN2's resolved corporate-events calendar and is marked estimated until the company confirms it. Consensus figures are the calendar's latest analyst estimates for the fiscal period and are not an FN2 forecast.

Risks and open questions are carried forward verbatim from FN2's structured analysis of the previous earnings call. Missing values stay missing and are never estimated.

By FN2 Research · Updated . For educational purposes only; not investment advice.