PYPL shares slide 7% despite a Q2 earnings beat and raised EPS guidance, weighed down by falling transactions.
PayPal Holdings, Inc. (NASDAQ:PYPL ) Q2 2025 Earnings Conference Call July 29, 2025 8:00 AM ET Company Participants Alex Chriss - President, CEO & Director Jamie S. Miller - Executive VP and Chief Financial & Operating Officer Steven Eric Winoker - Chief Investor Relations Officer Conference Call Participants Colin Alan Sebastian - Robert W.
Although the revenue and EPS for Paypal (PYPL) give a sense of how its business performed in the quarter ended June 2025, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
PayPal Holdings Inc (NASDAQ:PYPL, ETR:2PP) topped Wall Street estimates for second-quarter earnings and revenue on Tuesday and raised its full-year profit forecast, as strong growth in branded checkout and Venmo helped boost payment volumes. Non-GAAP earnings per share rose 18% to $1.40, above analysts' average estimate of $1.30, while revenue climbed 5% year-over-year to $8.29 billion, exceeding expectations of $8.09 billion.
Paypal (PYPL) came out with quarterly earnings of $1.4 per share, beating the Zacks Consensus Estimate of $1.3 per share. This compares to earnings of $1.19 per share a year ago.
PayPal is improving monetization of Venmo with debit cards and increased usage of a checkout option.
PayPal targets Q2 EPS of up to $1.31, with higher TPV and active accounts fueling modest revenue and margin growth.
Earnings season continues to roll along, with results so far being positive. Like recent periods, the big banks helped kick off the period on a strong enough note, with many other companies following suit over the past week.
PayPal has introduced a cryptocurrency payments feature it says is aimed at easing cross-border commerce. Pay with Crypto, announced Monday (July 28), is designed to connect merchants to what the company describes as a more than $3 trillion market by allowing for instant crypto to stablecoin or fiat conversion.
PayPal Holdings Inc (NASDAQ:PYPL, ETR:2PP) said on Monday it is launching “Pay with Crypto,” a new service that enables US merchants to accept payments in over 100 cryptocurrencies, including Bitcoin, Ethereum, Tether, and Solana, as part of a broader move to reduce cross-border transaction costs and tap into the expanding digital asset market. The service, rolling out in the coming weeks, charges a 0.99% transaction fee—significantly below traditional international payment processing costs—and offers instant conversion to fiat or stablecoins.
PayPal remains a dominant fintech leader with a sticky, two-sided platform, but faces intensifying competition from e-commerce and crypto players. The new PayPal World initiative aims to expand cross-border opportunities and diversify growth beyond the US, though its long-term economic impact is still unclear. Investors demand a revival in operating income growth, as PayPal's profitability uptick has notably lagged in recent times.
PayPal's stock is on track to rise for the eighth session in a row, but analysts have a hard time making a call about the future.