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Dec 31, 2025
PayPal Q4 2025 Earnings Report
PayPal reported solid fourth-quarter results with strong profitability and continued growth in total payment volume.
Key Takeaways
PayPal delivered Q4 2025 results with steady revenue growth, strong net income, and improved transaction margin dollars, supported by healthy TPV growth and stable engagement metrics.
Revenue increased year over year driven by higher total payment volume.
Net income rose reflecting improved operating efficiency.
Transaction margin dollars remained strong during the quarter.
Venmo continued to be a meaningful contributor to TPV growth.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
PayPal reaffirmed its outlook, expecting continued profitable growth supported by transaction margin expansion and disciplined cost management.
Positive Outlook
- Focus on profitable growth and margin expansion.
- Continued growth in Venmo engagement.
- Product innovation across checkout and branded payments.
- Ongoing cost discipline initiatives.
- Strong free cash flow generation.
Challenges Ahead
- Competitive pressure in digital payments.
- Macroeconomic uncertainty impacting consumer spending.
- Foreign exchange volatility.
- Regulatory and compliance risks.
- Slower growth in certain international markets.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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