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Paypal (PYPL) Q2 Earnings: How Key Metrics Compare to Wall Street Estimates

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For the quarter ended June 2025, Paypal (PYPL - Free Report) reported revenue of $8.29 billion, up 5.1% over the same period last year. EPS came in at $1.40, compared to $1.19 in the year-ago quarter.

The reported revenue represents a surprise of +2.26% over the Zacks Consensus Estimate of $8.1 billion. With the consensus EPS estimate being $1.30, the EPS surprise was +7.69%.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how Paypal performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Transaction margin: 46.4% versus the six-analyst average estimate of 46.7%.
  • Transaction take rate: 1.7% versus the six-analyst average estimate of 1.7%.
  • Total Payment Volume (TPV): $443.55 billion compared to the $434.45 billion average estimate based on five analysts.
  • Transaction expense rate: 0.9% versus 0.9% estimated by four analysts on average.
  • Total take rate: 1.9% compared to the 1.9% average estimate based on four analysts.
  • Active accounts: 438 versus 438 estimated by three analysts on average.
  • Transaction and Credit loss rate: 0.1% versus the three-analyst average estimate of 0.1%.
  • Number of payment transactions: 6,226 compared to the 6,722 average estimate based on two analysts.
  • Revenues from other value added services: $847 million versus the eight-analyst average estimate of $766.91 million. The reported number represents a year-over-year change of +15.7%.
  • Transaction revenues: $7.44 billion versus the eight-analyst average estimate of $7.31 billion. The reported number represents a year-over-year change of +4%.

View all Key Company Metrics for Paypal here>>>

Shares of Paypal have returned +5.3% over the past month versus the Zacks S&P 500 composite's +3.6% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.

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