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Q3: 2025-10-28 Earnings Abstract
EPS of $1.34 beats by $0.13
| Income of $8.42B (7.26% Y/Y) beats by $182.00M
PayPal Holdings, Inc. (NASDAQ:PYPL) Q3 2025 Earnings Name October 28, 2025 8:00 AM EDT
Firm Contributors
Steven Winoker – Chief Investor Relations Officer
James Chriss – President, CEO & Director
Jamie Miller – Government VP and Chief Monetary & Working Officer
Convention Name Contributors
Tien-Tsin Huang – JPMorgan Chase & Co, Analysis Division
Harshita Rawat – Sanford C. Bernstein & Co., LLC., Analysis Division
Dan Dolev – Mizuho Securities USA LLC, Analysis Division
Sanjay Sakhrani – Keefe, Bruyette, & Woods, Inc., Analysis Division
Darrin Peller – Wolfe Analysis, LLC
Jason Kupferberg – Wells Fargo Securities, LLC, Analysis Division
William Nance – Goldman Sachs Group, Inc., Analysis Division
Timothy Chiodo – UBS Funding Financial institution, Analysis Division
Presentation
Operator
Good morning, and welcome to PayPal’s Third Quarter 2025 Earnings Convention Name. My title is Sarah, and I shall be your convention operator immediately. As a reminder, this convention is being recorded.
I might now like to show this system over to your host for immediately’s convention, Steve Winoker, PayPal’s Chief Investor Relations Officer. Please go forward.
Steven Winoker
Chief Investor Relations Officer
Thanks, Sarah. Welcome to PayPal’s Third Quarter Earnings Name. I am joined by CEO, Alex Chriss, and Chief Monetary and Working Officer, Jamie Miller. Our remarks immediately embrace forward-looking statements that contain dangers and uncertainties. Precise outcomes could differ materially from these statements. Our commentary is predicated on our greatest view of the world and our companies as we see them immediately. As described in our earnings press launch, SEC filings and on our web site, these components could change because the world adjustments.
Over to you, Alex.
James Chriss
President, CEO & Director
Thanks, Steve. Good morning, everybody, and thanks for becoming a member of the decision. PayPal is a basically stronger firm immediately than it was 2 years in the past. Focus and execution have enabled us to drive a optimistic inflection throughout our enterprise. Take transaction margin
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