PayPal Holdings, Inc. (CH:PYPL)
NASDAQ:PYPL
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Earnings Data
Report Date
Aug 04, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
1.01Last Year’s EPS
1.09Same Quarter Last Year
Based on 27 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Neutral
The call presented a mixed but constructive picture: PayPal delivered solid top-line volume growth, Venmo and PSP momentum, healthy cash generation and announced a clear strategic refocus and a material $1.5B cost-savings ambition. However, near-term execution risks remain — branded checkout growth is modest, Europe and travel verticals showed softness, take rates and operating income faced pressure due to investments, and meaningful modernization efforts are required. Management reiterated full-year guidance but warned of a tougher Q2 comp and a near-term EPS decline. Overall, the transcript signals confidence in the medium-term strategy and financial flexibility but balanced by tangible short-term headwinds and execution risk.Company Guidance
Total Payment Volume (TPV) Acceleration
TPV grew 11% at spot and 8% on a currency-neutral basis in Q1 to roughly $464 billion (over $460B reported), reflecting broad-based volume strength across consumer and merchant channels.
Venmo and PSP Momentum
Venmo TPV accelerated to 14% year-over-year (sixth consecutive quarter of double-digit growth). PSP volume growth accelerated to 11% (from 7% in H2 2025), with enterprise payments showing mid-teens growth — both driving stronger monetization and platform adoption.
Revenue and Value-Added Services Growth
First-quarter revenue grew 7% on a spot basis (5% currency-neutral). Transaction revenue was $7.5 billion (up 7%) and Other value-added services revenue increased 10% to $852 million, benefiting from consumer and merchant credit contributions.
Transaction Margin and Key Takeaways
Transaction margin dollars excluding interest on customer balances grew 3% in Q1, driven by credit performance, Venmo monetization, PSP profitability and loss improvement across products.
Strong Cash Generation and Capital Returns
Adjusted free cash flow was $1.7 billion in Q1 and nearly $6.8 billion on a trailing 12-month basis. The company repurchased $1.5 billion of stock in Q1 (roughly $6 billion trailing 12 months), ended the quarter with $13.5 billion in cash and investments and maintained at least $6 billion adjusted FCF full-year target.
Customer Engagement and Emerging Payment Trends
Monthly active accounts rose 1% to 225 million; transactions per active account (ex-PSP) improved to 6% sequential growth. Debit card and tap-to-pay spend surged ~60% YoY. 'Pay with Venmo' and BNPL continued to outpace the market, growing 34% and 23% respectively.
Strategic Leadership and Cost-Savings Target
New CEO outlined a focused three-business strategy (Checkout, Consumer Financial Services, Payment Services) and announced an enterprise cost-savings ambition of at least $1.5 billion gross over 2–3 years, plus a centralized AI transformation effort to modernize tech and operations.
CH:PYPL Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
CH:PYPL Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
May 05, 2026 | CHF39.33 | CHF39.33 | 0.00% |
Feb 03, 2026 | CHF40.90 | CHF32.81 | -19.77% |
Oct 28, 2025 | CHF182.02 | CHF182.02 | 0.00% |
Jul 29, 2025 | CHF182.02 | CHF182.02 | 0.00% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does PayPal Holdings, Inc. (CH:PYPL) report earnings?
PayPal Holdings, Inc. (CH:PYPL) is schdueled to report earning on Aug 04, 2026, After Close (Confirmed).
What is PayPal Holdings, Inc. (CH:PYPL) earnings time?
PayPal Holdings, Inc. (CH:PYPL) earnings time is at Aug 04, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is the P/E ratio of PayPal Holdings, Inc. stock?
The P/E ratio of PayPal Holdings is N/A.
What is CH:PYPL EPS forecast?
CH:PYPL EPS forecast for the fiscal quarter 2026 (Q2) is 1.01.
