PayPal Holdings (PYPL) Q3 2026 earnings — TrendMatrix coverage
Reported
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Full disclosure · Editorial policy
Key numbers
- Adjusted EPS
- $1.45
- Estimate
- $1.31
- Surprise
- +10.7%
- Revenue (period 2026-09-30)
- $8.58B
- Score at report (before → after)
- 5.7 → 5.6/10
Revenue source: xbrl.
How the report landed
PayPal Holdings (PYPL) beat the $1.31 estimate with adjusted EPS of $1.45 — a large 10.7% upside surprise. TrendMatrix's engine moved from Buy (Wait) (5.7/10) to Hold at 5.6/10 after the report — the engine's score fell despite the beat.
Where TrendMatrix's rating stands now
TrendMatrix currently rates PYPL Hold at 5.7/10.
3 of the last 4 quarters beat the estimate; this quarter's +10.7% surprise compares with a +5.0% four-quarter average.
What supports the rating
- Sector modifier (Financial Services): +1.0
- Strong earnings beat streak (3/4)
What argues against it
- Analyst target reached - limited upside remaining
- Negative news sentiment (-0.67)
- Weak growth
This section and the ones below it reflect TrendMatrix’s latest engine read — they update after the report date and are not frozen to it.
The levels TrendMatrix's engine tracks
- Current price
- $56.09
- Stop
- $53.59
At 10.5× trailing and 9.7× forward earnings, consensus estimates imply little change in earnings power.
Risk check: trading volume is running 1.7× its average — elevated turnover around the report window.
Model outputs from TrendMatrix’s engine as of 2026-10-28 — shown for context, not personalized investment advice.
PYPL at TrendMatrix's latest read
For financials, the EPS print is only half the story: credit costs, reserve builds, and rate sensitivity decide how a quarter actually lands.
- Industry
- Credit Services
- Market cap
- $48.35B
- P/E (fwd)
- 9.7
- P/E (ttm)
- 10.5
- 52-week range
- $38.46–$79.22
- Off 52-week high
- 29.2%
- RSI (14)
- 57
- Volume vs avg
- 1.73×
- Score today
- 5.7/10