
• Reported GAAP EPS of $1.54 up 37.50% YoY • Reported revenue of $8.68B up 3.71% YoY • PayPal anticipates 1Q'26 GAAP and Non-GAAP EPS to decline mid-single digit, and FY'26 GAAP EPS to decline mid-single digit, with FY'26 Non-GAAP EPS ranging from low-single digit decline to slightly positive.
Bullish
PayPal achieved solid revenue and TPV growth in 4Q'25 and FY'25, with GAAP EPS increasing significantly, underscoring the company's strong financial performance and transaction volume expansion.
Bearish
PayPal's non-GAAP operating margin contracted, TPA decreased, and execution in branded checkout needs improvement, signaling operational challenges and profitability pressure for the company.