Spoken Alpha
PYPL
PayPal Holdings, Inc.
Overview
PayPal operates a global payments platform connecting 439 million consumers and merchants across approximately 200 markets.
PayPal Holdings, Inc is a Financial Services company operating in Credit Services with a $37.54B market cap.
Most recent reported earnings: Q2 FY2026 (Aug 3, 2026).
21 earnings calls indexed on Spoken Alpha.
Behavioral analysis
Management language signature
Disclosures
Investor Relations
Extracted from SEC 10-K filing, 2026-06-21.
Transcripts
Recent earnings calls
Most recent calls indexed for this ticker. Open any call to drill into prepared remarks and Q&A.
- Q1 FY2026Earnings2026-05-059 Q&A exchanges
- Q4 FY2025Earnings2026-02-038 Q&A exchanges
- Q3 FY2025Earnings2025-10-288 Q&A exchanges
- Q2 FY2025Earnings2025-07-2910 Q&A exchanges
- Q1 FY2025Earnings2025-04-2911 Q&A exchanges
- Q4 FY2024Earnings2025-02-0411 Q&A exchanges
- Q3 FY2024Earnings2024-10-2912 Q&A exchanges
- Q2 FY2024Earnings2024-07-3012 Q&A exchanges
- Q1 FY2024Earnings2024-04-3010 Q&A exchanges
- Q4 FY2023Earnings2024-02-078 Q&A exchanges
- Q3 FY2023Earnings2023-11-0112 Q&A exchanges
- Q2 FY2023Earnings2023-08-0212 Q&A exchanges
- Q1 FY2023Earnings2023-05-0817 Q&A exchanges
- Q4 FY2022Earnings2023-02-0914 Q&A exchanges
- Q3 FY2022Earnings2022-11-0314 Q&A exchanges
- Q2 FY2022Earnings2022-08-029 Q&A exchanges
- Q1 FY2022Earnings2022-04-2711 Q&A exchanges
- Q4 FY2021Earnings2022-02-0113 Q&A exchanges
- Q3 FY2021Earnings2021-11-097 Q&A exchanges
- Q2 FY2021Earnings2021-07-2919 Q&A exchanges
- Q1 FY2021Earnings2021-05-0510 Q&A exchanges
History
Earnings history
- Q2 FY20262026-08-03EPS— vs $1.28—Rev— vs ——EODHD
| Period | Reported | EPS actual | EPS consensus | EPS surprise | Revenue actual | Revenue consensus | Rev. surprise | Source |
|---|---|---|---|---|---|---|---|---|
| Q2 FY2026 | 2026-08-03 | — | $1.28 | — | — | — | — | EODHD |
Source: EODHD. PYPL reported actuals as published; sparse fields render as —.
Track Record
SampleSpoken Alpha tracks PYPL's historical accountability: how often management beat consensus, how the stock reacted, and how guidance evolved across the cycle. The figures below are illustrative placeholder data generated for layout — they will be replaced with real deviation metrics, True Consensus values, and EODHD price reactions as those data layers land.
Beats consensus 10/10 quarters but stock falls 60% of the time
SampleWhen a company consistently beats but the stock doesn't react, consensus is usually set too low or the buy-side number is materially above sell-side. Watch for guidance walk-downs ahead of the print.
Raised guidance 8 quarters in a row
SampleConsecutive raises tighten the bar quarter over quarter. Watch the most recent print for the magnitude of the beat — a smaller beat against a higher bar is the early signal that the regime is breaking.
Quarterly beats & misses
Sample| Quarter | Actual EPS | Consensus | Surprise | 1D | 5D |
|---|---|---|---|---|---|
| Q1 FY2026 | $5.18 | $4.32 | +20.0% | +0.1% | -1.3% |
| Q4 FY2026 | $5.34 | $4.40 | +21.4% | +1.0% | +3.3% |
| Q3 FY2026 | $5.61 | $4.51 | +24.4% | -4.9% | -7.5% |
| Q2 FY2026 | $5.40 | $4.40 | +22.8% | -1.2% | -2.2% |
| Q1 FY2025 | $5.64 | $4.54 | +24.3% | -1.2% | -2.7% |
| Q4 FY2025 | $5.42 | $4.56 | +18.9% | -0.2% | +2.7% |
| Q3 FY2025 | $5.45 | $4.44 | +22.8% | +2.1% | +4.1% |
| Q2 FY2025 | $5.61 | $4.51 | +24.3% | -4.2% | -2.0% |
| Q1 FY2024 | $5.96 | $4.48 | +33.1% | -5.0% | -7.3% |
| Q4 FY2024 | $6.00 | $4.60 | +30.4% | +0.9% | +2.9% |
Guidance change history
Sample- Q1 FY2026Raised2026-04-15
- Q4 FY2026Raised2026-13-15
- Q3 FY2026Raised2026-10-15
- Q2 FY2026Raised2026-07-15
- Q1 FY2025Raised2025-04-15
- Q4 FY2025Raised2025-13-15
- Q3 FY2025Raised2025-10-15
- Q2 FY2025Raised2025-07-15
Top executives
SampleSpoken Alpha builds an accountability record per executive — how the person's own guidance, language, and reactions have evolved across every call they've appeared on. The one-liners below are illustrative placeholder data pending the deviation v1 work. Click any name for the full role timeline and call appearance history.
- Enrique LoresCEO3 mo1 callCurrentSample
CEO since 2026 • 1/2 beats (50%) • last guidance cut Q1 FY2026
- James Alexander ChrissCEO5 mono recorded callsCurrentSample
CEO since 2026 • 1/2 beats (50%) • last call held guidance Q2 FY2026
- Suzan KereerePresident7 mono recorded callsCurrentSample
PRESIDENT since 2025 • 3/4 beats (75%) • last guidance cut Q3 FY2026
- Chris NataliSVP, Chief Accounting Officer5 mono recorded callsCurrentSample
OTHER_C_SUITE since 2026 • 1/2 beats (50%) • last guidance cut Q1 FY2026
- Aaron WebsterEVP, Global Chief Risk Officer7 mono recorded callsCurrentSample
OTHER_C_SUITE since 2025 • 2/4 beats (50%) • last call held guidance Q2 FY2026
- Diego ScottiEVP, GM Consumer Group3 mono recorded callsCurrentSample
DIVISION_HEAD since 2026 • 1/2 beats (50%) • last guidance raise Q1 FY2026
Peers
Other companies in Financial Services
Sector peers tracked by Spoken Alpha. Each links to the same machine-readable IR surface — earnings calls, executives, and accountability scores.
API
For developers and AI agents
The same data on this page is available as a machine-readable feed via the Spoken Alpha API. One call returns the IR URL, recent transcripts, and accountability scores for PYPL.
$ curl https://api.spokenalpha.com/v1/companies/PYPLFAQ
Frequently asked about PYPL
Where can I find PayPal Holdings, Inc.'s (PYPL) earnings call transcripts?
Spoken Alpha indexes PYPL's earnings call transcripts at https://spokenalpha.com/companies/PYPL. Each call links to attributed speakers and parsed analyst Q&A. PayPal Holdings, Inc.'s own investor relations page is at https://investor.pypl.com/home/.
When was PayPal Holdings, Inc.'s most recent earnings call?
PayPal Holdings, Inc. (PYPL) held its most recent earnings call on 2026-05-05, covering fiscal Q1 2026.
What sector is PYPL in?
PayPal Holdings, Inc. (PYPL) operates in the Financial Services sector (Credit Services industry).