What an incredible week for #paypal I feel extremely lucky to have entered this stock on October 22 at $68.07, just days before explosive news about record earnings, a groundbreaking partnership with ChatGPT, and the announcement of PayPal's first dividend sent shares soaring over 15%. With such strong results and innovation, I expect an excellent future ahead for PayPal—this is just the beginning!
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653💥 PayPal surprises with strong quarterly figures & new ChatGPT partnership!
💰 Turnover: USD 8.4 billion (+7%)
📈 Earnings per share: USD 1.34 - above expectations
💳 Payment volume: USD 458 billion worldwide
But that's not all:
➡️ First dividend ever! USD 0.14 per share
➡️ Forecast raised: PayPal now expects earnings per share of USD 5.35-5.39 in 2025
➡️ Strategic coup: partnership with OpenAI / ChatGPT - in future, users will be able to pay directly in ChatGPT with PayPal 🔥
After months of upheaval, PayPal is showing strength again: profitable, growing and with new tech alliances at the start.
📊 Investors are reacting positively - the share price rose after the close of trading.
Where are the PayPal haters now? 😏 $PYPL (+4,88%)
#PayPal
#Earnings
#Fintech
#AI
#ChatGPT
#OpenAI
#Investing
#Innovation
PayPal Q3’25 Earnings Highlights
🔹 Revenue: $8.42B (Est. $8.22B) 🟢; UP +7% YoY
🔹 Adj. EPS: $1.34 (Est. $1.21) 🟢; UP +12% YoY
🔹 TPV: $458.1B (Est. $450.3B) 🟢; UP +8% YoY
🔹 Active Accounts: 438M; UP +1% YoY
FY25 Guidance
🔹 Raised Adj. EPS: $5.35–$5.39 (Est. $5.24) 🟢
🔹 FY25 FCF: $6B–$7B (reaffirmed)
Q3 Other:
🔹 Adj. Op. Income: $1.568B (Est. $1.44B) 🟢
🔹 Payment Transactions: 6.331B; DOWN -5% YoY
Revenue Mix
🔹 Transaction Revenues: $7.522B; UP +6% YoY; 89% of total
🔹 OVAS: $895M; UP +15% YoY; 11% of total
Geography:
🔹 U.S. $4.753B (+5% YoY)
🔹 International $3.664B (+10% YoY)
Profitability & Cash
🔹 Transaction Margin $: $3.87B; UP +6% YoY (ex-interest on customer balances: $3.55B; UP +7% YoY)
🔹 Free Cash Flow: $1.72B in Q3; Adj. FCF $2.28B
PayPal Q3 2025 Earnings
• Revenue: $8.42B vs. $8.23B est.
• Adj. EPS: $1.34 vs. $1.20 est.
• Total Payment Volume: $458.1B
Guidance:
• Q4 Adj. EPS: $1.27–$1.31 (vs. $1.31 est.)
• FY25 Adj. EPS: $5.35–$5.39 (vs. $5.24 est.)
• FY Transaction Margin Dollars: $15.45B–$15.55B (+6–7% YoY)
Additional:
• Initiated quarterly cash dividend of $0.14/share.
PayPal just announced a groundbreaking partnership with OpenAI!
PayPal $PYPL (+4,88%) will become the first digital wallet integrated into ChatGPT, enabling instant purchases and payments directly through the AI interface. Users will be able to shop, discover products, and check out in seconds, all from within ChatGPT.
This is the new era of agentic commerce—AI-driven, seamless buying experiences with the power of PayPal’s security and network. Instant checkout, multiple payment options, and one of the world’s largest merchant ecosystems, now inside ChatGPT.
Quarterly figures 27.10-31.10.25
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Why I am interested in the PayPal discount:
PayPal ($PYPL (+4,88%) ) as a rally candidate:
strong earnings performance,
56 % below fair value and two news with potential for Christmas business (5 % cashback at BNPL & PayPal Ads Manager).
We check: Fundamentals, valuation, chart (buy zone ~$67, target range $94-102) and the quarterly figures on 28.10. pre-market.
What is your opinion on PayPal?
Portfolio Feedback Please
Hey, it's been a while since I’ve gotten feedback, and a lot has changed since then.
About Me:
I'm 19 years old and started investing back in February 2024.
Concerns & Clarification:
$PYPL (+4,88%) (PayPal):
I recently added PayPal to my portfolio. I’ve always liked the company’s concept and was hopeful about its long-term potential—especially with the Google collaboration. However, I'm starting to feel less confident about this move and am questioning whether it was a mistake.
$ABNB (+0,71%) (Airbnb):
This is a position I plan to hold for the long term. I really like the business model, but I’m increasingly concerned about the regulatory challenges Airbnb is facing in various regions. It’s definitely something I’m keeping an eye on.
$GOSS (-0,49%) (Gossamer Bio):
This is a small, high-risk bet in my portfolio. I understand the risks involved and have sized the position accordingly.
$1211 (-0,85%) (BYD Company):
I’m considering selling this one. The competition in the EV space is becoming extremely fierce, and I’m not sure BYD can maintain its edge in the long run.
Portfolio Goal:
My main goal is to outperform the MSCI World Index ( $IWDA (+0,08%) ) while keeping risk at a moderate level.
I do include some higher-risk bets in the portfolio, but they’re usually small in size and don't compromise the overall risk profile.
I haven't really seen any bad values.
The journey is the goal. Keep up the good work. More ETFs are also allowed.
I'm working on that too.
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