PayPal Holdings Inc.: Mixed — EPS $1.45, Revenue $8.58B
Mixed ResultQ3 2026 · Pre-market
Did PayPal Holdings Inc. (PYPL) beat earnings today?
It was a mixed report for Q3 2026 — PayPal Holdings Inc. (PYPL) beat on EPS but missed on revenue.
Earnings Per Share+10.69% surprise
$1.45Actual
Expected: $1.31
vs. year ago +8.0%
Total Revenue-1.45% surprise
$8.58BActual
Expected: $8.71B
vs. year ago +2.0%
Released Oct 27 · 7:02 AM ET
Earning Report
| Metric | Q3 2026 | Q3 2025 | YoY Change % |
|---|---|---|---|
| Net revenues | $8.58B | $8.42B | +2.0% |
| Revenue detail — reported lines | |||
| └─Transaction revenues | $7.71B | $7.52B | +3.0% |
| └─Revenues from other value added services | $873.00M | $895.00M | -2.0% |
| └─U.S. net revenues | $5.00B | $4.75B | +5.0% |
| └─International net revenues | $3.58B | $3.66B | -2.0% |
| Net income (loss) | $1.07B | $1.25B | -14.0% |
| GAAP Basic EPS | $1.26 | $1.31 | -3.8% |
| GAAP Diluted EPS | $1.25 | $1.30 | -4.0% |
| Non-GAAP Diluted EPS | $1.45 | $1.34 | +8.0% |
Financial Outlook / Guidance
| Metric | Q4 2026 Outlook | FY 2026 Outlook |
|---|---|---|
| GAAP EPS | ~$1.37 | ~$5.07 |
| Non-GAAP EPS | ~$1.43 | ~$5.60 (prev. ~$5.38) |
Business Highlights
- ➤Repurchased approximately 28 million shares in Q3 2026.
- ➤Returned $1.5 billion to stockholders through share repurchases in Q3 2026.
- ➤Repurchased approximately 117 million shares over the trailing 12 months.
- ➤Returned $6.0 billion to stockholders through trailing-12-month repurchases.
- ➤Board declared a $0.14 per-share cash dividend payable December 24, 2026.
- ➤PayPal serves consumers and businesses in approximately 200 markets.
- ➤Company cited progress in its multi-year transformation.
- ➤Management highlighted contributions from key growth areas and increasing diversification.
Management Commentary
Enrique Lores, President and CEO
“I’m pleased with our third-quarter performance and the momentum we are seeing across the business, and we are raising our full-year non-GAAP guidance for transaction margin dollars and EPS. We are beginning to see our strategy translate into our financial results, with strong contributions from our key growth areas and increasing diversification. We are making good progress in our multi-year transformation, and while there is more work to do, we are increasingly confident in our path to durable, profitable growth and remain focused on execution.”