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PayPal Holdings, Inc. PYPL Q3 2025 earnings

Reported October 28, 2025 · Before market open

Revenue$8.4BBeat by $180.9MDiluted EPS$1.34Beat by $0.14
Revenue estimate$8.2B
EPS estimate$1.20

Next report

Jul 28, 2026 (In 2 weeks)
Revenue estimate$8.5B
EPS estimate$1.28

Financials

Q3 2025

Income statement

See full
Revenue$8.4B+7.3%
Operating income$1.5B+9.3%
Net income$1.2B+23.6%
EPS (diluted)$1.30+31.3%

Balance sheet

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Cash & equivalents$23.9B+231%
Total debt$12.0B+11.2%
Total equity$20.2B+0.1%
Total assets$79.8B-4.4%

Cash flow

See full
Operating cash flow$2.0B+22.3%
CapEx$256.0M+51.5%
Free cash flow$1.7B+18.9%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$64.07B-21.2%
Enterprise value$52.23B-38.5%
P/E13×-5.3×
P/S1.9×-0.6×

Profitability

See full
Operating margin18.2%+0.4pp
Net margin15%+0.9pp
FCF margin16.9%-5.5pp

Returns & leverage

See full
Return on equity24.4%+2.2pp
Debt / equity0.6×+0.1×
Current ratio1.3×+0.1×

Segments

By segment

See full
Reportable Segment$8.4B+7.3%

Versus estimates

Revenue

Q1 2026$8.4BBeat by $303.1MQ4 2025$8.7BMiss by $112.4M
Q3 2025$8.4BBeat by $180.9M
Q2 2025$8.3BBeat by $203.6MQ1 2025$7.8BMiss by $58.1MQ4 2024$8.4BBeat by $108.3M

Diluted EPS

Q1 2026$1.34Beat by $0.07Q4 2025$1.23Miss by $0.06
Q3 2025$1.34Beat by $0.14
Q2 2025$1.40Beat by $0.10Q1 2025$1.33Beat by $0.17Q4 2024$1.19Beat by $0.08

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Questions, answered.

When did PayPal Holdings, Inc. report Q3 2025 earnings?
PayPal Holdings, Inc. (PYPL) reported Q3 2025 earnings on October 28, 2025 before market open.
What were PayPal Holdings, Inc.'s Q3 2025 revenue and EPS?
PayPal Holdings, Inc. reported revenue of $8.4B and diluted EPS of $1.34 for Q3 2025.
Did PayPal Holdings, Inc. beat estimates in Q3 2025?
Revenue beat the consensus estimate of $8.2B by $180.9M. EPS beat the consensus estimate of $1.20 by $0.14.
How did PayPal Holdings, Inc.'s Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 7.3% from $7.8B a year earlier and diluted EPS grew 11.7% from $1.20.
Where can I find PayPal Holdings, Inc.'s Q3 2025 SEC filings?
You can read the 10-Q periodic report (0001633917-25-000196) directly on SEC EDGAR. The filing index links above go to sec.gov.