Research Analysts Set Expectations for PayPal Q3 Earnings

PayPal Holdings, Inc. (NASDAQ:PYPL - Free Report) - Equities researchers at KeyCorp issued their Q3 2025 earnings estimates for shares of PayPal in a research report issued to clients and investors on Tuesday, October 21st. KeyCorp analyst A. Schmidt anticipates that the credit services provider will earn $1.21 per share for the quarter. KeyCorp has a "Hold" rating on the stock. The consensus estimate for PayPal's current full-year earnings is $5.03 per share. KeyCorp also issued estimates for PayPal's Q4 2025 earnings at $1.33 EPS, FY2025 earnings at $5.27 EPS and FY2026 earnings at $5.82 EPS.

Several other research firms have also recently commented on PYPL. Weiss Ratings reiterated a "hold (c)" rating on shares of PayPal in a research note on Wednesday, October 8th. JMP Securities cut their target price on shares of PayPal from $110.00 to $100.00 and set a "market outperform" rating for the company in a research note on Wednesday, July 30th. Deutsche Bank Aktiengesellschaft set a $75.00 price objective on shares of PayPal in a research note on Tuesday, July 29th. Macquarie restated an "outperform" rating and issued a $95.00 price objective on shares of PayPal in a research note on Wednesday, July 30th. Finally, Wells Fargo & Company upgraded shares of PayPal to a "hold" rating in a research note on Wednesday. Fifteen investment analysts have rated the stock with a Buy rating, fourteen have issued a Hold rating and three have assigned a Sell rating to the stock. According to data from MarketBeat.com, PayPal currently has a consensus rating of "Hold" and a consensus target price of $82.57.

PayPal Price Performance

NASDAQ:PYPL opened at $69.66 on Friday. The stock has a market cap of $66.55 billion, a P/E ratio of 14.88, a PEG ratio of 1.05 and a beta of 1.44. PayPal has a one year low of $55.85 and a one year high of $93.66. The company has a fifty day moving average price of $68.93 and a 200 day moving average price of $69.66. The company has a debt-to-equity ratio of 0.56, a current ratio of 1.33 and a quick ratio of 1.33.

PayPal (NASDAQ:PYPL - Get Free Report) last released its earnings results on Tuesday, July 29th. The credit services provider reported $1.40 EPS for the quarter, beating the consensus estimate of $1.30 by $0.10. The firm had revenue of $8.29 billion during the quarter, compared to analysts' expectations of $8.08 billion. PayPal had a net margin of 14.49% and a return on equity of 25.35%. During the same period in the prior year, the company earned $1.19 EPS. PayPal has set its Q3 2025 guidance at 1.180-1.220 EPS. FY 2025 guidance at 5.150-5.300 EPS.

Institutional Investors Weigh In On PayPal

Several large investors have recently made changes to their positions in PYPL. Norges Bank bought a new stake in shares of PayPal in the 2nd quarter worth about $921,570,000. Nuveen LLC bought a new stake in shares of PayPal in the 1st quarter worth about $529,264,000. Goldman Sachs Group Inc. grew its holdings in shares of PayPal by 44.6% in the 1st quarter. Goldman Sachs Group Inc. now owns 8,559,376 shares of the credit services provider's stock worth $558,499,000 after purchasing an additional 2,638,815 shares during the last quarter. Lazard Asset Management LLC grew its holdings in PayPal by 1,066.0% during the 2nd quarter. Lazard Asset Management LLC now owns 2,106,215 shares of the credit services provider's stock worth $156,532,000 after acquiring an additional 1,925,583 shares during the last quarter. Finally, Deutsche Bank AG grew its holdings in PayPal by 19.1% during the 1st quarter. Deutsche Bank AG now owns 11,238,218 shares of the credit services provider's stock worth $733,294,000 after acquiring an additional 1,798,330 shares during the last quarter. Institutional investors own 68.32% of the company's stock.

Insider Transactions at PayPal

In other news, CAO Chris Natali sold 7,102 shares of the company's stock in a transaction dated Thursday, July 31st. The shares were sold at an average price of $69.35, for a total value of $492,523.70. The transaction was disclosed in a document filed with the SEC, which is available at this hyperlink. Also, EVP Diego Scotti sold 3,838 shares of the company's stock in a transaction dated Thursday, July 31st. The stock was sold at an average price of $69.12, for a total transaction of $265,282.56. Following the completion of the sale, the executive vice president directly owned 16,989 shares in the company, valued at approximately $1,174,279.68. The trade was a 18.43% decrease in their position. The disclosure for this sale can be found here. In the last quarter, insiders have sold 15,102 shares of company stock valued at $1,046,607. 0.08% of the stock is owned by insiders.

About PayPal

PayPal Holdings, Inc operates a technology platform that enables digital payments on behalf of merchants and consumers worldwide. It operates a two-sided network at scale that connects merchants and consumers that enables its customers to connect, transact, and send and receive payments through online and in person, as well as transfer and withdraw funds using various funding sources, such as bank accounts, PayPal or Venmo account balance, PayPal and Venmo branded credit products comprising its installment products, credit and debit cards, and cryptocurrencies, as well as other stored value products, including gift cards and eligible rewards.

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