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PayPal Holdings, Inc. PYPL Q4 2025 Annual earnings

Reported February 3, 2026 · Before market open

Revenue$8.7BMiss by $112.4M
EPS$1.23Miss by $0.06
Revenue estimate$8.8B
EPS estimate$1.29

Next report

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

Financials

Q4 2025

Income statement

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Revenue$8.7B+3.7%
Operating income$1.5B+4.9%
Net income$1.6B+15.4%
EPS (diluted)$1.53+39.1%

Balance sheet

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Cash & equivalents$24.0B+270%
Total debt$10.7B+0.4%
Total equity$20.3B-0.8%
Total assets$80.2B-1.8%

Cash flow

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Operating cash flow$2.4B-0.4%
CapEx$194.0M-4.4%
Free cash flow$2.2B0.0%

Valuation & ratios

Valuation

as of 12/31/25
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Market cap$54.62B-36.2%
Enterprise value$41.31B-54.0%
P/E9.6×-8.5×
P/S1.6×-1.0×

Profitability

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Operating margin18.3%+1.5pp
Net margin17.2%+2.3pp
FCF margin16.8%-4.5pp

Returns & leverage

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Return on equity28.1%+5.2pp
Debt / equity0.5×0.0×
Current ratio1.3×0.0×

Segments

By segment

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Reportable Segment$8.7B+3.7%

FAQ

When did PayPal Holdings, Inc. report Q4 2025 earnings?
PayPal Holdings, Inc. (PYPL) reported Q4 2025 earnings on February 3, 2026 before market open.
What were PayPal Holdings, Inc.'s Q4 2025 revenue and EPS?
PayPal Holdings, Inc. reported revenue of $8.7B and eps of $1.23 for Q4 2025.
Did PayPal Holdings, Inc. beat estimates in Q4 2025?
Revenue missed the consensus estimate of $8.8B by $112.4M. EPS missed the consensus estimate of $1.29 by $0.06.
How did PayPal Holdings, Inc.'s Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 3.7% from $8.4B a year earlier and eps grew 3.4% from $1.19.
Where can I find PayPal Holdings, Inc.'s Q4 2025 SEC filings?
You can read the 8-K earnings release (0001633917-26-000021) and the 10-K periodic report (0001633917-26-000024) directly on SEC EDGAR. The filing index links above go to sec.gov.