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PayPal logoPayPal PYPL

The company said net revenues for Q3 2026 rose 2% to $8.6 billion (1% currency-neutral), and transaction margin dollars rose 2% to $4.0 billion.

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 2026 rose 2% to $8.6 billion (1% currency-neutral), and transaction margin dollars rose 2% to $4.0 billion.

  2. PayPal said GAAP operating income for Q3 fell 8% to $1.4 billion, while non-GAAP operating income rose 3% to $1.6 billion. It said GAAP EPS was $1.25 and non-GAAP EPS was $1.45.

  3. The company said it generated operating cash flow of $1.6 billion and free cash flow of $1.4 billion in Q3. It said it returned $1.5 billion to stockholders by repurchasing approximately 28 million shares of common stock.

  4. The company gave full-year non-GAAP EPS guidance of ~$5.60 for FY'26. It said it raised its July 2026 outlook of ~$5.38 and reaffirmed its GAAP EPS guidance of ~$5.07.

Summary

AI-written

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

3Q'26 Net Revenue and Transaction Margin Dollars

The company said net revenues for Q3 2026 rose 2% to $8.6 billion (1% currency-neutral), and transaction margin dollars rose 2% to $4.0 billion.

Source · Based on the filing body and exhibits

3Q'26 GAAP and Non-GAAP Earnings Metrics

PayPal said GAAP operating income for Q3 fell 8% to $1.4 billion, while non-GAAP operating income rose 3% to $1.6 billion. It said GAAP EPS was $1.25 and non-GAAP EPS was $1.45.

Source · Based on the filing body and exhibits

3Q'26 Cash Flow and Shareholder Returns

The company said it generated operating cash flow of $1.6 billion and free cash flow of $1.4 billion in Q3. It said it returned $1.5 billion to stockholders by repurchasing approximately 28 million shares of common stock.

Source · Based on the filing body and exhibits

Full-Year Non-GAAP EPS Outlook

The company gave full-year non-GAAP EPS guidance of ~$5.60 for FY'26. It said it raised its July 2026 outlook of ~$5.38 and reaffirmed its GAAP EPS guidance of ~$5.07.

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.

View the original filing on SEC EDGAR ↗
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.