PYPL delivered a double beat in 3Q and raised its FY2025 outlook. The new partnership with OpenAI should have been a bullish catalyst, but the market reaction remained muted. Key growth metrics, including TPV, transaction margin dollars, and active customer accounts, continue to show YoY slowdown. Management's decision to raise the full-year transaction margin dollar outlook was actually driven by stronger-than-expected 3Q results, which implies a muted 4Q outlook.
PayPal's stock has dropped 75% from its all-time high. Its business is maturing but its earnings are still growing.
PYPL posts growth in Q3 revenues, EPS and TPV, lifts 2025 outlook. However, shares slip as investors stay cautious.
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PayPal's new role as ChatGPT's default wallet cements its AI-commerce leadership and draws ETF investors seeking fintech growth exposure.
PayPal Holdings delivered strong Q3 results, with revenue and EPS beating estimates, yet the market underappreciated the performance. PYPL's branded and Venmo transaction growth accelerated, transaction margins improved, and a new quarterly dividend enhances its value proposition. Recent partnerships with OpenAI and Google expand the company's total addressable market and reinforce its fintech leadership through AI and agentic commerce initiatives.
PayPal (PYPL) and SoFi Technologies (SOFI) have shown a "tale of two different performances" when it comes to their stock prices, says Noah Hamman. He points to PayPal's struggles in recent months but notes its earnings Tuesday and a partnership with OpenAI as positive catalysts ahead.
PayPal Holdings, Inc. (NASDAQ:PYPL ) Q3 2025 Earnings Call October 28, 2025 8:00 AM EDT Company Participants Steven Winoker - Chief Investor Relations Officer James Chriss - President, CEO & Director Jamie Miller - Executive VP and Chief Financial & Operating Officer Conference Call Participants Tien-Tsin Huang - JPMorgan Chase & Co, Research Division Harshita Rawat - Sanford C. Bernstein & Co., LLC.
PayPal's Q3 results reflect a year-over-year rise in revenues, TPV and transaction margin dollars. However, a fall in payment transactions remains a concern.
PayPal shares soared Tuesday (Oct. 28) in the wake of news that the company is integrating its wallet into OpenAI's ChatGPT. Beyond that headline-grabbing news, PayPal's third-quarter earnings results, released before the market opened, revealed some puts and takes.
PayPal shares shot higher Tuesday after the company announced a partnership with ChatGPT operator OpenAI and released strong third-quarter results.