PayPal shares drop despite earnings beat and raised guidance

Published 29/07/2025, 12:18
© Reuters.

Investing.com -- PayPal (NASDAQ:PYPL) Holdings, Inc. reported second-quarter earnings that exceeded analyst expectations, but shares fell 4% as investors appeared to focus on slowing transaction growth metrics.

The digital payments giant posted adjusted earnings per share of $1.40 for the second quarter, beating the analyst estimate of $1.30. Revenue came in at $8.3 billion, surpassing the consensus estimate of $8.08 billion and representing a 5% increase YoY. Transaction (JO:NTUJ) margin dollars grew 7% to $3.8 billion, with transaction margin dollars excluding interest on customer balances increasing 8% to $3.5 billion.

Despite the strong financial results, PayPal’s payment transactions decreased 5% to 6.2 billion. When excluding payment service provider transactions, payment transactions increased 6%. Total (EPA:TTEF) payment volume rose 6% to $443.5 billion, or 5% on a currency-neutral basis.

"PayPal had a strong second quarter. We delivered another quarter of profitable growth, driven by continued strength across many of our strategic initiatives ranging from PayPal and Venmo branded experiences to PSP and value-added services," said Alex Chriss, President and CEO of PayPal.

The company raised its full-year guidance, now expecting adjusted earnings per share of $5.15-$5.30, up from its previous forecast of $4.95-$5.10 and above the analyst consensus of $5.10. For the third quarter, PayPal projects adjusted EPS of $1.18-$1.22, compared to the consensus estimate of $1.21.

Operating income showed significant improvement, with GAAP operating income increasing 14% to $1.5 billion and non-GAAP operating income rising 13% to $1.6 billion. Operating margins also expanded, with GAAP operating margin up 134 basis points to 18.1% and non-GAAP operating margin increasing 132 basis points to 19.8%.

 

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