PYPL · PayPal Holdings, Inc.
$59.78
+1.85 (+3.19%)
At close · Aug 6
Market Cap
$52.73B
Shares
882.11M
PayPal Holdings, Inc. Earnings Call Transcripts
Every quarterly earnings call for PayPal Holdings, Inc. (PYPL) — the full transcript with speaker labels, the audio replay, AI call highlights and a management-tone score, plus the matching 8-K earnings release and the quarter's 10-Q or 10-K. Investor days and conferences appear here too.
Revenue & result across quarters
Revenue Net income YoY up YoY down artefacts
▲10.7%
$6.85B
$1.33B
'22 Q3
22-11-03
▲6.7%
$7.38B
$921.00M
'22 Q4
23-02-09
▲8.6%
$7.04B
$795.00M
'23 Q1
23-05-08
▲7.1%
$7.29B
$1.03B
'23 Q2
23-08-02
▲8.4%
$7.42B
$1.02B
'23 Q3
23-11-01
▲8.7%
$8.03B
$1.40B
'23 Q4
24-02-07
▲9.4%
$7.70B
$888.00M
'24 Q1
24-04-30
▲8.2%
$7.88B
$1.13B
'24 Q2
24-07-30
▲5.8%
$7.85B
$1.01B
'24 Q3
24-10-29
▲4.2%
$8.37B
$1.12B
'24 Q4
25-02-04
▲1.2%
$7.79B
$1.29B
'25 Q1
25-04-29
▲5.1%
$8.29B
$1.26B
'25 Q2
25-07-29
▲7.3%
$8.42B
$1.25B
'25 Q3
25-10-28
▲3.7%
$8.68B
$1.44B
'25 Q4
26-02-03
LATEST
▲7.2%
$8.35B
$1.11B
'26 Q1
26-05-05
Earnings call
FY26 · Q2
2026-07-28
PayPal Holdings, Inc. Q2 FY2026 Earnings Call
Results not yet reported
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY26 · Q1
2026-05-05
PayPal Holdings, Inc. Q1 FY2026 Earnings Call
Positive tone
Venmo and Consumer Financial Services
Cost Structure Reduction
Consumer Focus and Two-Sided Network
Revenue
$8.35B
▲ 7.2% YoY Diluted EPS
$1.21
▼ 6.2% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q4
2026-02-03
PayPal Holdings, Inc. Q4 FY2025 Earnings Call
Cautious tone
Capital Allocation and Investment
Presentment, Experience, Selection Priorities
Branded Checkout Underperformance
Revenue
$8.68B*
▲ 3.7% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY25 · Q3
2025-10-28
PayPal Holdings, Inc. Q3 FY2025 Earnings Call
Confident tone
Venmo Monetization
Buy Now Pay Later (BNPL)
Branded Experiences / Omnichannel
Revenue
$8.42B
▲ 7.3% YoY Diluted EPS
$1.30
▲ 31.3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q2
2025-07-29
PayPal Holdings, Inc. Q2 FY2025 Earnings Call
Confident tone
Venmo
Branded Checkout / Online Experiences
Transaction Loss / Credit Risk
Revenue
$8.29B
▲ 5.1% YoY Diluted EPS
$1.29
▲ 19.4% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q1
2025-04-29
PayPal Holdings, Inc. Q1 FY2025 Earnings Call
Confident tone
Venmo monetization inflection
Branded experiences and omnichannel growth
PSP and value-added services
Revenue
$7.79B
▲ 1.2% YoY Diluted EPS
$1.29
▲ 55.4% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q4
2025-02-04
PayPal Holdings, Inc. Q4 FY2024 Earnings Call
Confident tone
Branded Checkout Innovation
Venmo Monetization
Fastlane Merchant Adoption
Revenue
$8.37B*
▲ 4.2% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY24 · Q3
2024-10-29
PayPal Holdings, Inc. Q3 FY2024 Earnings Call
Confident tone
Consumer engagement and monthly actives
Guidance and 2025 outlook
Transaction margin dollar growth and profitability
Revenue
$7.85B
▲ 5.8% YoY Diluted EPS
$0.99
▲ 6.5% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q2
2024-07-30
PayPal Holdings, Inc. Q2 FY2024 Earnings Call
Confident tone
Venmo and consumer engagement
Branded checkout and Fastlane
Braintree profitability
Revenue
$7.88B
▲ 8.2% YoY Diluted EPS
$1.08
▲ 17.4% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q1
2024-04-30
PayPal Holdings, Inc. Q1 FY2024 Earnings Call
Positive tone
Venmo and consumer engagement
Financial guidance and EPS outlook
PayPal Complete Payments (PPCP) for SMBs
Revenue
$7.70B
▲ 9.4% YoY Diluted EPS
$0.83
▲ 18.6% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q4
2024-02-07
PayPal Holdings, Inc. Q4 FY2023 Earnings Call
Positive tone
Branded checkout acceleration
Operating principles and execution discipline
Leadership and organizational restructuring
Revenue
$8.03B*
▲ 8.7% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY23 · Q3
2023-11-01
PayPal Holdings, Inc. Q3 FY2023 Earnings Call
Revenue
$7.42B
▲ 8.4% YoY Diluted EPS
$0.93
▼ 19.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q2
2023-08-02
PayPal Holdings, Inc. Q2 FY2023 Earnings Call
Revenue
$7.29B
▲ 7.1% YoY Diluted EPS
$0.92
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q1
2023-05-08
PayPal Holdings, Inc. Q1 FY2023 Earnings Call
Revenue
$7.04B
▲ 8.6% YoY Diluted EPS
$0.70
▲ 62.8% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q4
2023-02-09
PayPal Holdings, Inc. Q4 FY2022 Earnings Call
Revenue
$7.38B*
▲ 6.7% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY22 · Q3
2022-11-03
PayPal Holdings, Inc. Q3 FY2022 Earnings Call
Revenue
$6.85B
▲ 10.7% YoY Diluted EPS
$1.15
▲ 25% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q2
2022-08-02
PayPal Holdings, Inc. Q2 FY2022 Earnings Call
Revenue
$6.81B
▲ 9.1% YoY Diluted EPS
$-0.29
▼ 129% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q1
2022-04-27
PayPal Holdings, Inc. Q1 FY2022 Earnings Call
Revenue
$6.48B
▲ 7.5% YoY Diluted EPS
$0.43
▼ 53.3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q4
2022-02-01
PayPal Holdings, Inc. Q4 FY2021 Earnings Call
Revenue
$6.92B*
▲ 13.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY21 · Q3
2021-11-08
PayPal Holdings, Inc. Q3 FY2021 Earnings Call
Revenue
$6.18B
▲ 13.2% YoY Diluted EPS
$0.92
▲ 7% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q2
2021-07-28
PayPal Holdings, Inc. Q2 FY2021 Earnings Call
Revenue
$6.24B
▲ 18.6% YoY Diluted EPS
$1.00
▼ 22.5% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q1
2021-05-05
PayPal Holdings, Inc. Q1 FY2021 Earnings Call
Revenue
$6.03B
▲ 30.6% YoY Diluted EPS
$0.92
▲ 1214.3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q4
2021-02-03
PayPal Holdings, Inc. Q4 FY2020 Earnings Call
Revenue
$6.12B
▲ 23.3% YoY Diluted EPS
$1.32
▲ 207% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY20 · Q3
2020-11-02
PayPal Holdings, Inc. Q3 FY2020 Earnings Call
Revenue
$5.46B
▲ 24.7% YoY Diluted EPS
$0.86
▲ 120.5% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q2
2020-07-29
PayPal Holdings, Inc. Q2 FY2020 Earnings Call
Revenue
$5.26B
▲ 22.2% YoY Diluted EPS
$1.29
▲ 87% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q1
2020-05-06
PayPal Holdings, Inc. Q1 FY2020 Earnings Call
Revenue
$4.62B
▲ 11.9% YoY Diluted EPS
$0.07
▼ 87.5% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY19 · Q4
2020-01-29
PayPal Holdings, Inc. Q4 FY2019 Earnings Call
Revenue
$4.96B
▲ 17.4% YoY Diluted EPS
$0.43
▼ 12.2% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Showing 1–27 of 27 earnings calls