William Blair Has Pessimistic Outlook of PayPal Q4 Earnings

PayPal Holdings, Inc. (NASDAQ:PYPL) – Research analysts at William Blair decreased their Q4 2025 earnings per share estimates for shares of PayPal in a research note issued on Tuesday, October 28th. William Blair analyst A. Jeffrey now forecasts that the credit services provider will earn $1.28 per share for the quarter, down from their previous estimate of $1.40. The consensus estimate for PayPal’s current full-year earnings is $5.03 per share. William Blair also issued estimates for PayPal’s FY2026 earnings at $6.03 EPS.

Other equities research analysts have also recently issued research reports about the company. Citigroup upgraded PayPal to a “hold” rating in a research note on Thursday, October 23rd. KeyCorp restated a “hold” rating on shares of PayPal in a research note on Wednesday, October 22nd. Keefe, Bruyette & Woods increased their price target on PayPal from $85.00 to $90.00 and gave the company an “outperform” rating in a research note on Wednesday. The Goldman Sachs Group increased their price target on PayPal from $70.00 to $72.00 and gave the company a “sell” rating in a research note on Wednesday. Finally, Argus increased their price target on PayPal from $81.00 to $87.00 and gave the company a “buy” rating in a research note on Wednesday. Fifteen analysts have rated the stock with a Buy rating, sixteen have given a Hold rating and four have issued a Sell rating to the stock. According to MarketBeat.com, the stock has a consensus rating of “Hold” and a consensus target price of $83.10.

PayPal Trading Up 2.0%

NASDAQ PYPL opened at $69.27 on Friday. The company has a market cap of $64.81 billion, a PE ratio of 13.88, a PEG ratio of 1.02 and a beta of 1.44. The company has a current ratio of 1.34, a quick ratio of 1.33 and a debt-to-equity ratio of 0.56. PayPal has a 12 month low of $55.85 and a 12 month high of $93.66. The stock has a 50 day moving average of $69.06 and a 200-day moving average of $70.15.

PayPal (NASDAQ:PYPL) last released its quarterly earnings data on Tuesday, October 28th. The credit services provider reported $1.34 EPS for the quarter, beating the consensus estimate of $1.20 by $0.14. The company had revenue of $8.42 billion during the quarter, compared to the consensus estimate of $8.21 billion. PayPal had a return on equity of 25.64% and a net margin of 14.96%.The firm’s revenue for the quarter was up 7.3% compared to the same quarter last year. During the same quarter in the prior year, the firm 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.

Institutional Trading of PayPal

Several large investors have recently modified their holdings of the stock. Vanguard Group Inc. boosted its stake in PayPal by 0.3% in the first quarter. Vanguard Group Inc. now owns 86,221,849 shares of the credit services provider’s stock valued at $5,625,976,000 after buying an additional 276,339 shares in the last quarter. Norges Bank acquired a new stake in PayPal in the second quarter valued at about $921,570,000. Artisan Partners Limited Partnership boosted its stake in PayPal by 1.6% in the second quarter. Artisan Partners Limited Partnership now owns 11,992,031 shares of the credit services provider’s stock valued at $891,248,000 after buying an additional 184,014 shares in the last quarter. Deutsche Bank AG boosted its stake in PayPal by 19.1% in the first quarter. Deutsche Bank AG now owns 11,238,218 shares of the credit services provider’s stock valued at $733,294,000 after buying an additional 1,798,330 shares in the last quarter. Finally, Invesco Ltd. boosted its stake in PayPal by 5.5% in the second quarter. Invesco Ltd. now owns 10,038,584 shares of the credit services provider’s stock valued at $746,068,000 after buying an additional 522,514 shares in the last quarter. 68.32% of the stock is owned by institutional investors and hedge funds.

Insider Transactions at PayPal

In other news, CAO Chris Natali sold 1,374 shares of the stock in a transaction on Thursday, October 30th. The stock was sold at an average price of $69.13, for a total transaction of $94,984.62. The transaction was disclosed in a document filed with the SEC, which is available through the SEC website. Also, insider Suzan Kereere sold 5,000 shares of the stock in a transaction on Thursday, October 30th. The stock was sold at an average price of $69.52, for a total value of $347,600.00. Following the sale, the insider directly owned 43,483 shares in the company, valued at approximately $3,022,938.16. This trade represents a 10.31% decrease in their ownership of the stock. Additional details regarding this sale are available in the official SEC disclosure. In the last three months, insiders have sold 14,374 shares of company stock valued at $996,093. 0.08% of the stock is owned by corporate insiders.

PayPal Dividend Announcement

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