PYPL Earnings Predictions — 2026-07-28

Ticker Report or Guide KPI Prediction Answer Confidence
PYPL Report Online branded-checkout TPV growth (FX-neutral) MISS pred ~0.8% vs. cons 1.2% MEDIUM
PYPL Report Transaction-margin dollars IN-LINE pred ~$3.75B vs. cons $3.73B MEDIUM
PYPL Report Adjusted EPS BEAT pred ~$1.31 vs. cons $1.28 MEDIUM
PYPL Guide Adjusted EPS LOWER guide ~$5.28 vs. cons $5.32 (FY2026) MEDIUM
PYPL Guide Online branded-checkout TPV growth (FX-neutral) LOWER guide ~1.0% vs. cons 1.5% (FY2026) MEDIUM
PYPL Guide Adjusted free cash flow UNCHANGED guide ~$6.0B vs. cons $6.0B (FY2026) HIGH
PYPL Guide Gross annualized cost savings UNCHANGED guide ≥$1.5B vs. cons $1.5B (2026–2028) HIGH
PYPL Return Day-1 residual (stock − beta × S&P 500) -3.2% LOW
PYPL Return 5-day cumulative residual -4.8% (FOLLOW-THROUGH) A modest Q2 EPS beat is outweighed by branded-checkout weakness and FY2026 EPS guidance below ~$5.32 consensus, pulling second-half and 2027 estimates lower; limited takeover visibility allows part of the ~$8.72 pre-bid-to-current premium to unwind, though the reported $60.50 offer constrains downside. LOW