PayPal Holdings (2PP) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date

May 05, 2026

After Close (Confirmed)

Period Ending

2026 (Q1)

Consensus EPS Forecast

1.07

Last Year’s EPS

1.12

Same Quarter Last Year

Analyst Consensus

Hold

Based on 35 Analysts Ratings

Earnings Call Summary

Q4 2025

Earnings Call Date:Feb 03, 2026|

% Change Since:

Earnings Call Sentiment|Neutral

The call presented a mixed but stabilized picture: PayPal reported solid full-year financials, strong progress in Venmo, PSP/Enterprise Payments, BNPL and omnichannel initiatives, and meaningful product-led conversion gains. However, a significant underperformance in online branded checkout—driven by macro pressures in key markets, slower merchant adoption, and execution/deployment issues—represents a material near-term risk (branded checkout contributes over half of profit dollars). Management outlined targeted investments (expected to weigh on 2026 results) and organizational changes to accelerate execution, while withdrawing multi-year guidance and focusing on annual guidance instead. Overall the company has multiple growth levers and a healthy balance sheet, but the timing of a branded checkout recovery is uncertain and will determine near-term earnings trajectory.

Company Guidance

PayPal guided to a one‑year 2026 plan with modest near‑term headwinds as it makes targeted growth investments: management expects TM dollars (excluding interest on customer balances) to be roughly flat to slightly down for the full year (Q1 TM roughly flat to slightly down), branded checkout to be slightly positive to low‑single‑digit for the year, and Q1 revenue to grow low‑single‑digits on a currency‑neutral basis; the company said new investments will create ~3 percentage points of headwind to TM dollar growth (about two‑thirds into branded checkout and BNPL, remainder to Venmo loyalty and agentic), plus ~1–1.5 points of lower interest contribution, non‑transaction OpEx to grow mid‑single‑digits in Q1 and ~3% for the full year, non‑GAAP EPS to be down mid‑single‑digits in Q1 and down low‑single‑digits to slightly positive for the year, adjusted free cash flow of at least $6.0 billion, approximately $6.0 billion of share repurchases, capex around $1.0 billion, and a tax‑rate assumption near 19–21%.

Solid Full-Year Financial Performance

Full-year revenue of $33.2B, up ~4% year-over-year; total payment volume (TPV) $1.8T for the year, up 7% spot and 6% currency-neutral; transaction margin (TM) dollar growth ~6% for the year; non-GAAP EPS up 14% for the full year to $5.31; adjusted free cash flow $6.4B for 2025.

Venmo Momentum and Monetization

Venmo revenue grew ~20% in 2025 to $1.7B (ex-interest); Q4 Venmo TPV up 13%; monthly active accounts (MAAs) reached 67M (up 7% YoY); Pay with Venmo TPV up 32%; Venmo debit card TPV up >50% with MAAs up 50%, signaling stronger everyday commerce mix and monetization.

Enterprise Payments / PSP Turnaround

Enterprise Payments returned to double-digit volume growth (12% in Q4) and delivered seven consecutive quarters of profitable growth; PSP volume growth accelerated to 8% in Q4; net processing yield roughly doubled through better pricing and value-added services adoption.

Buy Now, Pay Later (BNPL) Scale

BNPL TPV exceeded $40B in 2025, growing >20% year-over-year; upstream BNPL messaging (when deployed) delivers >10% lift in branded checkout volume, supporting selection and presentment strategies.

Omnichannel and Debit / Tap-to-Pay Traction

Branded experiences TPV grew 4% in Q4; debit card and Tap-to-Pay spend rose ~60% YoY; U.S. PayPal debit card TPV accelerated to >50% growth and MAAs in Germany and the U.K. now exceed 700k combined, showing strong omnichannel early traction.

Product Improvements Driving Conversion Gains

Redesigned paysheet covers >30% of global checkout transactions with optimized cohorts showing ~1 point conversion improvement; biometric/passkey testing drove 2–5 points conversion improvement with large merchants; consumer 'checkout-ready' penetration improved to 36% (up 15 percentage points YoY) with a goal near 50% by end of 2026.

Diversified Revenue Drivers and Capital Returns

Other value-added services revenue grew 10% in Q4 (14% full year to $3.4B); transaction losses improved to ~6 bps in Q4 from ~8 bps earlier in the year; returned $6B in share repurchases in 2025, initiated a quarterly dividend ($0.14), ended Q4 with $14.8B cash and $11.6B debt, and expects at least $6B adjusted free cash flow in 2026.

PayPal Holdings (DE:2PP) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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DE:2PP Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
May 05, 2026	2026 (Q1)	1.07 / -	1.123	―	―	―
Feb 03, 2026	2025 (Q4)	1.09 / 1.04	1.005	3.36% (+0.03)
Oct 28, 2025	2025 (Q3)	1.01 / 1.13	1.013	11.67% (+0.12)
Jul 29, 2025	2025 (Q2)	1.10 / 1.18	1.005	17.65% (+0.18)
Apr 29, 2025	2025 (Q1)	0.98 / 1.12	0.912	23.15% (+0.21)
Feb 04, 2025	2024 (Q4)	0.95 / 1.00	1.25	-19.59% (-0.24)
Oct 29, 2024	2024 (Q3)	0.91 / 1.01	1.098	-7.69% (-0.08)
Jul 30, 2024	2024 (Q2)	0.84 / 1.00	0.979	2.59% (+0.03)
Apr 30, 2024	2024 (Q1)	1.03 / 0.91	0.988	-7.69% (-0.08)
Feb 07, 2024	2023 (Q4)	1.15 / 1.25	1.047	19.35% (+0.20)

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

DE:2PP Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Feb 03, 2026	€44.83	€35.74	-20.27%
Oct 28, 2025	€61.16	€65.60	+7.26%
Jul 29, 2025	€67.48	€61.62	-8.69%
Apr 29, 2025	€56.73	€57.51	+1.37%

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.