Overview

* PayPal ( PYPL ) Q3 revenue rose 7% to $8.4 bln, beating analyst expectations

* Adjusted EPS for Q3 increased 12%, surpassing analyst estimates

* Company initiates quarterly dividend program, reflecting growth and capital return strategy

Outlook

* PayPal ( PYPL ) raises full-year TM$ and EPS guidance

* PayPal ( PYPL ) expects 4Q25 GAAP EPS of $1.23 to $1.27

* PayPal ( PYPL ) projects FY25 GAAP EPS of $5.11 to $5.15

Result Drivers

* TRANSACTION MARGIN GROWTH - Transaction margin dollars increased 6% to $3.9 bln, driven by broad-based growth across branded experiences, PSP, and Venmo

* PARTNERSHIPS - Co's partnerships with Google, OpenAI, and Perplexity are part of its strategic direction and growth

* DIVIDEND INITIATION - PayPal ( PYPL ) initiated a quarterly dividend program, reflecting its ability to invest in growth and return capital to shareholders

Key Details

Metric Beat/Mis Actual Consensu

s s

Estimate

Q3 Beat $8.40 $8.23

Revenue bln bln (32

Analysts

)

Q3 Beat $1.34 $1.20

Adjusted (32

EPS Analysts

)

Analyst Coverage

* The current average analyst rating on the shares is "hold" and the breakdown of recommendations is 19 "strong buy" or "buy", 23 "hold" and 3 "sell" or "strong sell"

* The average consensus recommendation for the business support services peer group is "buy."

* Wall Street's median 12-month price target for PayPal Holdings Inc ( PYPL ) is $79.00, about 11.1% above its October 27 closing price of $70.25

* The stock recently traded at 12 times the next 12-month earnings vs. a P/E of 14 three months ago

For questions concerning the data in this report, contact [email protected]. For any other questions or feedback, contact .

(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)