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Paypal (PYPL) Q3 Earnings: How Key Metrics Compare to Wall Street Estimates

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For the quarter ended September 2026, Paypal (PYPL - Free Report) reported revenue of $8.58 billion, up 2% over the same period last year. EPS came in at $1.45, compared to $1.34 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $8.7 billion, representing a surprise of -1.33%. The company delivered an EPS surprise of +10.69%, with the consensus EPS estimate being $1.31.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

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:
  • Total Payment Volume (TPV): $487.14 billion versus the five-analyst average estimate of $489.71 billion.
  • Transaction margin: 46% versus 44.6% estimated by five analysts on average.
  • Transaction expense rate: 0.9% versus the five-analyst average estimate of 0.9%.
  • Transaction and Credit loss rate: 0.1% compared to the 0.1% average estimate based on four analysts.
  • Active accounts: 440 versus 440 estimated by two analysts on average.
  • Net Revenues- Revenues from other value added services: $873 million versus the seven-analyst average estimate of $885.49 million. The reported number represents a year-over-year change of -2.5%.
  • Net Revenues- Transaction revenues: $7.71 billion versus the seven-analyst average estimate of $7.82 billion. The reported number represents a year-over-year change of +2.5%.

View all Key Company Metrics for Paypal here>>>

Shares of Paypal have returned +1.3% over the past month versus the Zacks S&P 500 composite's -0.8% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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