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Sep 30, 2025
PayPal Q3 2025 Earnings Report
PayPal reported strong financial results in Q3 2025 with increased EPS, rising revenue, and robust free cash flow.
Key Takeaways
PayPal delivered a profitable Q3 2025, driven by accelerating growth in Venmo, branded experiences, and enterprise payments. The company generated strong adjusted free cash flow and returned capital to shareholders.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
PayPal raised full-year 2025 EPS guidance, expects modest revenue acceleration, and reaffirmed its strong free cash flow outlook.
Positive Outlook
- Raised FY25 non-GAAP EPS guidance to $5.35–$5.39
- Raised FY25 transaction margin dollar guidance to $15.45B–$15.55B
- FY25 free cash flow expected to remain strong at $6B–$7B
- Share repurchases forecasted at ~$6B for FY25
- Capital-light BNPL model with externalization to Blue Owl
Challenges Ahead
- Interest on customer balances expected to decline by $125M YoY
- Higher transaction loss provisions impacted Q3 margins
- TPA and total transaction counts declined YoY
- Global macroeconomic uncertainty affects branded checkout trends
Revenue & Expenses
Visualization of income flow from segment revenue to net income
Historical Earnings Impact
Analyze how earnings announcements historically affect stock price performance
Avg. Return Before/After Earnings
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