PYPL Earnings Predictions — 2026-07-28

Ticker Report or Guide KPI Prediction Answer Confidence
PYPL Report Branded checkout TPV growth (FXN) MISS pred ~+1% vs. cons ~+2.5% MEDIUM
PYPL Report Non-GAAP EPS BEAT pred ~$1.31 vs. cons ~$1.28 MEDIUM
PYPL Report Transaction margin dollars growth (YoY) MISS pred ~-3.5% vs. cons ~-2.5% LOW
PYPL Guide FY26 Non-GAAP EPS (reaffirm vs. cut) UNCHANGED guide ~$5.25 (down LSD to slightly up) vs. cons ~$5.25 (FY2026) MEDIUM
PYPL Guide Q3 transaction margin dollars ex-interest LOWER guide ~flat/-1% vs. cons ~+1% (Q3 2026) LOW
PYPL Guide Board/M&A response to Stripe-Advent $60.50 bid UNKNOWN stock ~$56 vs. bid $60.50 (spread ~8%); board deems 'inadequate' — no formal engagement expected MEDIUM
PYPL Guide $1.5B cost-savings program cadence / buyback pace UNCHANGED ~$6B FY26 buyback vs. ~$6B expected; ≥$1.5B run-rate savings over 2-3yrs (FY2026-28) LOW
PYPL Return Day-1 residual (stock − beta × S&P 500) +1.5% LOW
PYPL Return 5-day cumulative residual +0.5% (STABILIZE) PYPL trades as a merger-arb special situation, not a fundamentals stock: with shares ~$56 vs. a $60.50 bid the board calls inadequate, the deal spread anchors price and dampens the usual out-period revision math. A soft-but-guided Q2 (branded-checkout stall, ~9% EPS decline) is largely pre-announced, so any day-1 pop on a clean print/reaffirmed guide (which strengthens the board's 'lowball' argument) neither fully follows through nor fully fades — it stabilizes near the arb-implied level. Downside risk if checkout deteriorates and emboldens bidders/no counter emerges; upside if board signals value-maximization or a higher bid. Net: range-bound around the spread. LOW