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Just reported
Q3 2026 results
From PayPal's results release of 2026年10月27日; its quarterly report has since been filed.
Revenue
Actual
$8.58B
+2.0% y/y
-1.1% q/qGuided
—
No guide given
EPS, GAAP
Actual
$1.25
-3.8% y/y
0.0% q/qGuided
—
No guide given
Operating income, GAAP
Actual
$1.4B
-7.8% y/y
-1.8% q/qGuided
—
No guide given
Company outlook
Full year 2026
- EPS, adjusted$1.43Raised +6.7%
- EPS, GAAP$1.37-75% y/y Raised +5.4%
Set against the company's own guidance and the same quarter a year earlier, not analysts' estimates, which we do not hold. Adjusted figures are the company's own non-GAAP measures, as stated in the release.
Keep exploring
The themes PayPal is part of, the highest-graded companies in its industry, and the companies in its sector whose grade rose recently.
The themes it is part of
Highest-graded in Credit Services
Graded A or B and worth $2B or more: A first, then the largest.
AXPAmerican Express Co.$216.5BA
COFCapital ONE Financial Corp.$118.6BA+
SOFISoFi Technologies, Inc.$21.1BA
FCFSFirstcash Holdings, Inc.$7.9BA+
OMFOnemain Holdings, Inc.$6.4BA
Grade rose recently in Financials
Rose to A or B on a filing in the last 90 days, worth $2B or more: largest first.
BLKBlackRock, Inc.2026年11月4日CAGraded C, now A
HSBCHsbc Holdings plc2026年10月27日CBGraded C, now B
GSThe Goldman Sachs Group, Inc.2026年11月2日BAGraded B, now A
WFCWells Fargo & Company2026年10月13日BAGraded B, now A
CMECME Group Inc.2026年10月21日BAGraded B, now A
どうやって稼いでいるか
- Transaction revenues90%
売上構成比はyear ended December 31, 2025の推計であり、提出された報告書の数字ではありません。
競合
何を売っているか6
PayPal checkout and wallet
Lets consumers pay merchants online or in person using a PayPal account, linked payment methods, or a PayPal card.
Venmo
A United States digital wallet for paying merchants and sending or receiving money between people; it also includes a debit card.
Braintree
Payment processing that lets businesses accept card and other digital payments without presenting a PayPal-branded checkout.
さらに3件を表示
Buy now, pay later
Installment payment choices that let eligible consumers split purchases into payments over time at participating merchants.
Xoom
A money transfer service for sending money internationally to bank accounts, mobile wallets, or cash pickup locations.
PayPal Working Capital and PayPal Business Loan
Financing for eligible small and medium-sized businesses, provided as loans or cash advances with fees.
誰が買っているか3
- Consumers who use PayPal or Venmo to pay merchants, send money to other people, transfer money, or use credit and debit products.
- Small and medium-sized businesses that accept payments, send payouts, use fraud tools, or apply for business financing.
- Large merchants and online businesses that use branded checkout or payment processing, including Braintree.
何に支えられ、何に崩されうるか
事業が頼っているもの
- 1Payment processing depends on banks, card networks, processors, and other financial institutions to move funds and support customers’ payment choices.
- 2Some consumer and merchant credit products depend on partner financial institutions; PayPal also uses third-party investors to buy certain loan portfolios.
- 3The business depends on reliable technology systems and third-party cloud services, and on licenses and regulatory approvals in the markets where it operates.
- 4Transaction revenue depends on consumers and merchants continuing to make payments through PayPal, including payments funded by cards, bank accounts, and account balances.
うまくいかなくなる可能性
- 1Cyberattacks, fraud, or system outages could expose customer information, interrupt payments, cause financial losses, or reduce customers’ confidence in PayPal.
- 2Payments rules differ across countries and change over time; failures to meet requirements on areas such as consumer credit, privacy, anti-money laundering, or licensing could lead to penalties or restrictions on services.
- 3PayPal competes with banks, card networks, payment processors, digital wallets, and money transfer services; changes in technology or customer preferences could reduce use of its products or the fees it earns.
PayPal Holdings, Inc.について
PayPal lets consumers pay online and in person, send money to other people, and use services such as buy now, pay later. It helps merchants accept card and digital wallet payments, send payouts, manage fraud, and access business financing. In the quarter ended June 30, 2026, it processed $486.4 billion in payments (Q2 2026, high) across 6.75 billion transactions (Q2 2026, high); the earnings call reported 228 million monthly active accounts (Q2 2026, high).
- 本社
- San Jose, California, United States
- 設立
- 1998
- 従業員数
- Approximately 23,800 (December 31, 2025, high)
- 上場市場
- NASDAQ
- 決算期
- December 31
PayPal Holdings, Inc. 自身が米国証券取引委員会（SEC）に提出した書類にもとづきます。数字は報告されたままで、1 株当たりの履歴は今日の株数基準に修正済みです。 これは事業の説明です——投資助言ではなく、売買を勧めるものでもありません。