Seaport Res Ptn Has Bearish Forecast for PayPal Q4 Earnings

PayPal Holdings, Inc. (NASDAQ:PYPL) – Seaport Res Ptn dropped their Q4 2025 earnings estimates for shares of PayPal in a report released on Tuesday, October 28th. Seaport Res Ptn analyst J. Cantwell now expects that the credit services provider will post earnings per share of $1.29 for the quarter, down from their prior estimate of $1.31. Seaport Res Ptn has a “Hold” rating on the stock. The consensus estimate for PayPal’s current full-year earnings is $5.03 per share. Seaport Res Ptn also issued estimates for PayPal’s Q3 2026 earnings at $1.58 EPS, FY2026 earnings at $6.04 EPS and Q3 2027 earnings at $1.79 EPS.

PayPal (NASDAQ:PYPL) last issued its earnings results on Tuesday, October 28th. The credit services provider reported $1.34 earnings per share (EPS) for the quarter, beating analysts’ consensus estimates of $1.20 by $0.14. The company had revenue of $8.42 billion during the quarter, compared to analyst estimates of $8.21 billion. PayPal had a net margin of 14.96% and a return on equity of 25.64%. The company’s revenue for the quarter was up 7.3% on a year-over-year basis. During the same quarter last year, the business posted $1.20 EPS. PayPal has set its Q4 2025 guidance at 1.270-1.310 EPS. FY 2025 guidance at 5.350-5.390 EPS.

PYPL has been the subject of a number of other research reports. Citigroup raised shares of PayPal to a “hold” rating in a research note on Thursday, October 23rd. Needham & Company LLC restated a “hold” rating on shares of PayPal in a report on Tuesday. Sanford C. Bernstein cut their price target on shares of PayPal from $85.00 to $76.00 in a report on Tuesday, October 21st. Jefferies Financial Group raised their price target on shares of PayPal from $70.00 to $75.00 and gave the company a “hold” rating in a report on Wednesday. Finally, BNP Paribas Exane raised their price target on shares of PayPal from $69.00 to $71.00 and gave the company a “neutral” rating in a report on Wednesday. Sixteen investment analysts have rated the stock with a Buy rating, sixteen have issued a Hold rating and four have given a Sell rating to the company. According to data from MarketBeat, PayPal currently has an average rating of “Hold” and an average price target of $83.31.

PayPal Trading Down 2.5%

Shares of NASDAQ:PYPL opened at $67.93 on Thursday. The firm has a fifty day moving average of $69.07 and a two-hundred day moving average of $70.04. The firm has a market capitalization of $64.90 billion, a P/E ratio of 13.61, a price-to-earnings-growth ratio of 1.03 and a beta of 1.44. PayPal has a 12-month low of $55.85 and a 12-month high of $93.66. The company has a quick ratio of 1.33, a current ratio of 1.34 and a debt-to-equity ratio of 0.56.

Institutional Inflows and Outflows

Several institutional investors and hedge funds have recently made changes to their positions in the stock. Gordian Capital Singapore Pte Ltd increased its holdings in shares of PayPal by 41.2% during the 1st quarter. Gordian Capital Singapore Pte Ltd now owns 473 shares of the credit services provider’s stock worth $31,000 after purchasing an additional 138 shares during the period. GSB Wealth Management LLC increased its holdings in shares of PayPal by 1.7% during the 2nd quarter. GSB Wealth Management LLC now owns 8,160 shares of the credit services provider’s stock worth $606,000 after purchasing an additional 140 shares during the period. CreativeOne Wealth LLC increased its holdings in shares of PayPal by 1.5% during the 1st quarter. CreativeOne Wealth LLC now owns 9,387 shares of the credit services provider’s stock worth $613,000 after purchasing an additional 142 shares during the period. Wedmont Private Capital increased its holdings in shares of PayPal by 1.6% during the 3rd quarter. Wedmont Private Capital now owns 9,157 shares of the credit services provider’s stock worth $614,000 after purchasing an additional 142 shares during the period. Finally, Pitti Group Wealth Management LLC increased its holdings in shares of PayPal by 1.5% during the 2nd quarter. Pitti Group Wealth Management LLC now owns 10,233 shares of the credit services provider’s stock worth $761,000 after purchasing an additional 147 shares during the period. Institutional investors own 68.32% of the company’s stock.

Insider Buying and Selling

In related news, insider Suzan Kereere sold 4,162 shares of PayPal stock in a transaction on Tuesday, August 19th. The shares were sold at an average price of $69.39, for a total value of $288,801.18. Following the transaction, the insider owned 48,483 shares in the company, valued at $3,364,235.37. This trade represents a 7.91% decrease in their position. The sale was disclosed in a legal filing with the SEC, which is available through this link. 0.08% of the stock is owned by company insiders.

PayPal Dividend Announcement

The company also recently announced a quarterly dividend, which will be paid on Wednesday, December 10th. Investors of record on Wednesday, November 19th will be issued a $0.14 dividend. This represents a $0.56 annualized dividend and a yield of 0.8%. The ex-dividend date is Wednesday, November 19th.

About PayPal

PayPal Holdings, Inc operates a technology platform that enables digital payments on behalf of merchants and consumers worldwide. It operates a two-sided network at scale that connects merchants and consumers that enables its customers to connect, transact, and send and receive payments through online and in person, as well as transfer and withdraw funds using various funding sources, such as bank accounts, PayPal or Venmo account balance, PayPal and Venmo branded credit products comprising its installment products, credit and debit cards, and cryptocurrencies, as well as other stored value products, including gift cards and eligible rewards.