{
  "id": 16747688,
  "title": "Earnings call transcript: PayPal tops EPS in Q3 2026 but revenue misses",
  "url": "https://urgent.news/2026/10/27/earnings-call-transcript-paypal-tops-eps-in-q3-2026-but-revenue-misses",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-10-27T13:05:19.000Z",
  "source": {
    "name": "Investing.com",
    "slug": "investing-com",
    "url": "https://www.investing.com/news/transcripts/earnings-call-transcript-paypal-tops-eps-in-q3-2026-but-revenue-misses-93CH-4975690"
  },
  "original_language": "en",
  "account": "PayPal reported its Q3 2026 earnings on March 3, 2026, delivering an adjusted earnings per share (EPS) of $1.45, which surpassed analysts' expectations of $1.31 and marked an 8% year-over-year increase. The company's revenue, however, fell short of forecasts, landing at $8.58 billion, slightly below the $8.71 billion projected. As a result, shares of PayPal traded lower in premarket trading, declining 2.64% to $53.54 from the previous close of $54.99. Despite the earnings beat, investors' focus remained on the sales miss and their cautious outlook for the near term. PayPal's transaction margin dollars improved by 2% year-over-year, while non-transaction operating expenses increased by just 1%. The company's adjusted free cash flow for the quarter reached $2.0 billion. In raising its full-year 2026 outlook, PayPal now expects EPS of around $5.60 and adjusted free cash flow of at least $6.5 billion.",
  "summary": null,
  "key_points": [
    "PayPal's Q3 2026 EPS of $1.45 beat expectations by 8%",
    "Revenue of $8.58 billion missed forecasts at $8.71 billion",
    "Transaction margin dollars improved by 2% year-over-year"
  ],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 2,
    "also_reported_by": [
      {
        "outlet": "Techmeme",
        "title": "PayPal reports Q3 revenue up 2% YoY to $8.58B, below $8.71B est., TPV up 6% to $487.14B, and raises full-year adjusted EPS guidance to ~$5.60, above $5.39 est. (Elias Schisgall/Wall Street Journal)",
        "url": "https://urgent.news/2026/10/27/paypal-reports-q3-revenue-up-2-yoy-to-8-58b-below-8-71b-est-tpv-up-6",
        "published": "2026-10-27T11:35:03.000Z"
      }
    ]
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}