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PayPal processes online payments through its namesake checkout button, Venmo peer-to-peer transfers, and Braintree, which handles card processing behind other companies' checkouts. Transaction fees on the payment volume crossing these platforms generate most revenue, alongside interest and fees from credit products.
PayPal Holdings, Inc. (PYPL) is a services-business services, nec company. Piotroski F-Score 8/8. 29 insider Form 4 filings in the last 90 days. Next earnings projected around 2026-07-28 from PYPL's year-over-year reporting pattern (not yet company-confirmed). Fundamentals from SEC filings; prices are end-of-day.
EOD daily bars · delayed, not real-time · data: DatabentoCharting by TradingView Lightweight Charts™
XBRL company facts, SEC EDGAR. TTM = last four reported quarters. Valuation ratios arrive with a price source — we don't fake quotes.
FY ending 2025-12-31 vs 2024-12-31. original 1968 formula; calibrated on manufacturers, read financials/REITs with care
A plain-English read on PYPL plus an auto-SWOT — built from PYPL's SEC filings and market data, every point cited, nothing invented. Educational, not investment advice.
Four AI analysts — a bull, a bear, a risk manager, and a PM — debate PYPL using only the SEC-filing and market facts below. Every point cites its evidence; nothing is invented. This is educational research, not investment advice.
Educational only — not financial advice. Data from SEC EDGAR public filings; no live market data is shown. Figures reflect the company's own reported XBRL facts and may lag.
Projected from PYPL's own SEC 8-K filing history — the year-over-year reporting pattern (~50% land the exact day, ~90% within a week). No analyst estimates, no scraped calendars, nothing invented. It upgrades to a confirmed date + time the moment PYPL files its announcement.
PYPL has sold off after 6 of its last 8 earnings reports.
Large earnings reactions have been common.
PYPL has traded lower after most recent earnings releases.
The average is inflated by its most volatile prints (+11.6% and -21.6%).
A more typical earnings reaction has been approximately ±9.5%.
Realized close-to-close history only — no options-implied move, no analyst estimates.
| Reported | Close-to-close |
|---|---|
| 2026-05-05 | -8.2% |
| 2026-02-03 | -21.6% |
| 2025-10-28 | -0.8% |
| 2025-07-29 | -10.9% |
| 2025-04-29 | +1.4% |
| 2025-02-04 | -11.5% |
| 2024-10-29 |
Earnings dates are the company's 8-K Item 2.02 filings (SEC). Reactions from Databento EOD.
| -6.4% |
| 2024-07-30 | +11.6% |
| Gilbert CisnerosU.S. Representative · CA-39 | SELL | $1,001 - $15,000 | filed 2026-06-08 |
| Miller Jamie SChief Fin & Op Officer | BUY | $255K | view → |
| Keller FrankPres., Checkout Sol. & PayPal | SELL | $196K | view → |
| Kereere SuzanPresident, Global Markets | SELL | $145K | view → |
| Natali ChrisSVP, Chief Accounting Officer | SELL | $24K | view → |
| Kereere SuzanPresident, Global Markets | SELL | $184K | view → |
| Natali ChrisSVP, Chief Accounting Officer | SELL | $66K | view → |