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PayPal Holdings, Inc. PYPL Q3 2025 earnings

Reported October 28, 2025 · Before market open

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

Next report

Oct 27, 2026 (In 2 weeks)
Revenue estimate$8.7B
EPS estimate$1.31

Financials

Q3 2025

Income statement

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Revenue$8.4B+7.3%
Operating income$1.5B+9.3%
Net income$1.5B+16.9%
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

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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
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Market cap$64.07B-21.2%
Enterprise value$52.23B-38.5%
P/E11.7×-4.2×
P/S1.9×-0.6×

Profitability

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Operating margin18.2%+0.4pp
Net margin16.7%+0.4pp
FCF margin16.9%-5.5pp

Returns & leverage

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Return on equity27.2%+1.5pp
Debt / equity0.6×+0.1×
Current ratio1.3×+0.1×

Segments

By segment

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Reportable Segment$8.4B+7.3%

FAQ

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 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 eps grew 11.7% from $1.20.
Where can I find PayPal Holdings, Inc.'s Q3 2025 SEC filings?
You can read the 8-K earnings release (0001633917-25-000194) and the 10-Q periodic report (0001633917-25-000196) directly on SEC EDGAR. The filing index links above go to sec.gov.