EI Earnings Insight Lab
PayPal Holdings, Inc

PayPal Holdings, Inc Q3 2025 Earnings Analysis

Reported on 2025-10-28 / Fiscal Quarter Q3 2025
Revenue Up YoY Sequential Improvement Margin Under Pressure EPS Up YoY Mixed Quarter
PayPal Holdings, Inc reported Q3 2025 results with relatively stable operating performance.

Revenue grew 7.3% year over year and rose 1.6% sequentially. Margins weakened from the previous quarter, indicating ongoing pressure on profitability. PayPal Holdings, Inc also posted year-over-year earnings growth, reinforcing a more resilient operating profile.

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Source: Company filings / processed earnings data
Revenue
$8.4B
YoY: 7.2639%
QoQ: 1.5565%
Net Income
$1.2B
YoY: 23.5644%
QoQ: -1.03%
EPS (Diluted)
$1.30
YoY: 31.31%
Net Margin
14.8%
YoY: 1.96 pts
QoQ: -0.39 pts
Gross Margin
46%
Operating Margin
18.1%
Growth

Revenue trend

Revenue growth stayed positive, supporting a healthier topline trend.

Profitability

Margin and earnings quality

Margins deteriorated from last quarter, indicating weaker profit conversion.

Investor Focus

What matters next

Investors will continue watching execution quality.

Revenue & YoY Growth

Quarterly

Revenue trend and year-over-year growth across recent reported quarterly periods.

Net Income & Net Margin

Quarterly

Net income and net margin trend over recent reported quarterly periods.

Revenue Analysis

PayPal Holdings, Inc reported $8.4B in revenue for Q3 2025, up 7.3% YoY and up 1.6% QoQ. Positive year-over-year growth suggests healthier revenue momentum.

Revenue Snapshot
Current Quarter $8.4B
Previous Quarter $8.3B
Same Quarter Last Year $7.8B
YoY Change +7.3%
QoQ Change +1.6%

Profitability Analysis

Net income came in at $1.2B, up 23.6% YoY and down 1% QoQ. Net margin was 14.8%. Sequential margin deterioration suggests profitability remains under pressure.

Profitability Snapshot
Net Income $1.2B
EPS $1.30
Net Margin 14.8%
QoQ Margin Change -0.4 pts

Frequently Asked Questions

Quick factual answers for this report. Need the why behind them? Ask the report assistant.

What was PayPal Holdings, Inc's revenue in Q3 2025?

PayPal Holdings, Inc reported revenue of $8.4B in Q3 2025.

What was PayPal Holdings, Inc's net income in Q3 2025?

PayPal Holdings, Inc reported net income of $1.2B in Q3 2025.

How did PayPal Holdings, Inc's revenue change year over year?

PayPal Holdings, Inc's revenue increased by 7.3% year over year in Q3 2025.

What was PayPal Holdings, Inc's net margin in Q3 2025?

PayPal Holdings, Inc's net margin was 14.8% in Q3 2025.

Related
PayPal Holdings, Inc Q2 2025 Earnings

Compare this quarter with the previous earnings report.

Related
PayPal Holdings, Inc Company Overview

Explore company profile, industry, and historical context.

Related
PayPal Holdings, Inc Revenue & Profit Trends

View more quarterly financial trend pages for this company.

Data Source & Methodology

Financial data is sourced from company filings and internal processed earnings data.

YoY and QoQ values are derived from reported quarterly figures when not directly available.

This page is for informational purposes only and does not constitute investment advice.

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