PayPal Holdings Inc
PYPL - Insider Information
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+ FollowMarket Cap$51.11B
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Earnings Call Q3 2026
October 27, 2026 - AI Summary
Q3 performance beat + strong cash returns
- Transaction margin dollars: grew ~2% (above expectations).
- Non-GAAP EPS: grew 8% to $1.45, above guidance due to OpEx below forecast.
- Adjusted free cash flow: ~$2.0B.
- Capital returns: $1.6B+ via buybacks and dividends (and $1.5B in share repurchases in the quarter; $6B trailing 12-month total).
Full-year 2026 guidance raised (key numbers)
- Transaction margin dollars: expected to be ~$15.7B (or ~$14.6B excluding interest on customer balances), mid-single-digit growth.
- Non-transaction OpEx: mid-single-digit growth.
- Non-GAAP EPS: raised to ~$5.60.
- Free cash flow: includes ≥$6.5B adjusted free cash flow.
- Share repurchases: guidance continues to assume ~$6B of buybacks.
- Q4 outlook: low-double-digit revenue growth (CC/neutral), slightly positive transaction margin dollars excluding interest, OpEx flat to low-single-digit growth, non-GAAP EPS ~ $1.43.
Strategy translating into results: diversification away from checkout
- Financial services now >20% of 2026 transaction margin dollars and is growing double-digits.
- Venmo + Braintree (PSP): both delivering double-digit TPV growth and supporting transaction margin dollar growth.
- Branded checkout: still only 1–2% growth (relative stability over four quarters), but management highlights improvement vs. the market and momentum in the U.S.
- Surprising/positive: the company emphasized performance increasingly coming from multiple portfolio segments, not just checkout.
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Share Statistics
| Market cap | $51.11 Billion |
|---|---|
| Enterprise Value | $52.93 Billion |
| Annual dividend | $0.42 |
| Dividend yield | 0.98% |
| Earnings per Share | $5.46 |
| Beta | 1.28 |
| Outstanding Shares | 849,000,000 |
Return
| Return on Equity | 23.85% |
|---|---|
| Return on Assets | 5.71% |
| Return on Invested Capital | 18.90% |
Valuation & Multiples
| P/E Ratio | 10.8 |
|---|---|
| PEG | -77 |
| Price to Sales | 1.51 |
| Price to Book Ratio | 2.62 |
| Enterprise Value to Revenue | 1.54 |
| Enterprise Value to EBIT | 8.16 |
| Enterprise Value to Net Income | 11 |
| Total Debt to Enterprise | 0.19 |
| Debt to Equity | 0.51 |
Revenue Sources
No data
Last Earnings Call
Report Date
October 27, 2026
EPS Estimate
$1.31
Consensus analyst estimateRevenue Estimate
$8.71 B
Consensus analyst estimateNext Earnings Call
Expected Date
February 2, 2027
EPS Estimate
$1.43
Consensus analyst estimateRevenue Estimate
$8.92 B
Consensus analyst estimateInstitutional Put/Call Ratio
Compares institutional put options with call options. At 0.01, the ratio is below 1, so institutions hold more calls than puts.
| Put/Call Ratio | 0.0109▼ 66.22% |
|---|---|
| Total Calls | 13,892,239▼ 77.69% |
| Total Puts | 152,100▼ 99.64% |
Institutional Ownership
Holdings and activity of institutional investors.
| Ownership % | 3.76%▼ 68.54% |
|---|---|
| Total Invested | $1.76B▼ 93.82% |
| Investors Holding | 527▼ 985.00% |
About PayPal Holdings Inc
21,800 employees
CEO: Daniel Schulman
PayPal has remained at the forefront of the digital payment revolution for more than 20 years. By leveraging technology to make [nancial services and commerce more convenient, a ordable, and secure, the PayPal platform is empowering more...