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PayPal logoPayPal PYPL

The company said net revenues for Q3 2025 (ended September 30) rose 7% year over year to $8,417 million, and GAAP operating income rose 9% to $1,520 million.

8-KResults of Operations and Financial ConditionFiled Period of report Summary published (UTC)

Key points

AI summary
  1. The company said net revenues for Q3 2025 (ended September 30) rose 7% year over year to $8,417 million, and GAAP operating income rose 9% to $1,520 million.

  2. PayPal said GAAP diluted earnings per share for Q3 2025 were $1.30 ($0.99 a year earlier, up 32%), and non-GAAP diluted earnings per share were $1.34 ($1.20 a year earlier, up 12%).

  3. The company said its Board approved the start of a quarterly cash dividend program and declared a cash dividend of $0.14 per share. It is payable on December 10, 2025 to holders of record on November 19, and represents a targeted payout ratio of 10% of non-GAAP net income.

  4. The company gave full-year 2025 non-GAAP EPS guidance of $5.35 to $5.39, versus its prior outlook of $5.15 to $5.30 as of July 2025. It also said it repurchased approximately 21 million shares for $1.5 billion in Q3.

Summary

AI-written

Analysis scope · Filing body and confirmed press-release exhibitWe analyzed the opening part of the filing body and confirmed exhibits, within a length limit. This is not a review of other exhibits, investor presentations or the full earnings call.

3Q Q25 net revenues $8,417 million, GAAP operating income $1,520 million

The company said net revenues for Q3 2025 (ended September 30) rose 7% year over year to $8,417 million, and GAAP operating income rose 9% to $1,520 million.

Source · Based on the filing body and exhibits

3Q Q25 GAAP and non-GAAP diluted EPS

PayPal said GAAP diluted earnings per share for Q3 2025 were $1.30 ($0.99 a year earlier, up 32%), and non-GAAP diluted earnings per share were $1.34 ($1.20 a year earlier, up 12%).

Source · Based on the filing body and exhibits

Initiates quarterly cash dividend, $0.14 per share

The company said its Board approved the start of a quarterly cash dividend program and declared a cash dividend of $0.14 per share. It is payable on December 10, 2025 to holders of record on November 19, and represents a targeted payout ratio of 10% of non-GAAP net income.

Source · Based on the filing body and exhibits

Full-year EPS outlook and 3Q share repurchases

The company gave full-year 2025 non-GAAP EPS guidance of $5.35 to $5.39, versus its prior outlook of $5.15 to $5.30 as of July 2025. It also said it repurchased approximately 21 million shares for $1.5 billion in Q3.

Source · Based on the filing body and exhibits

AI summarized the filing and translated the summary into English; it may differ from the original. For reference only, not investment advice. AI translated the published Korean report into English. Figures are copied as filed, not recalculated.

Original filing

The filing as submitted to SEC EDGAR. You can check the figures and statements of this summary against it.

Source: SEC EDGAR (U.S. Securities and Exchange Commission). Item captions are the SEC's. The summary is for reference only and is not investment advice.