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Sentiment · FY2026 Q1
| Analyst | Firm | Questions | ChallengePercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|---|
| Darrin Peller | Wolfe Research | 7 | 0% |
| Sanjay Sakhrani | KBW | 7 | 14% |
| Tien-Tsin Huang | JPMorgan | 6 | 33% |
| Harshita Rawat | Bernstein | 6 | 50% |
| Tim Chiodo | UBS | 5 | 0% |
| Jason Kupferberg | Wells Fargo | 5 | 20% |
| Ramsey El-Assal | Cantor Fitzgerald | 4 | 25% |
| Dan Dolev | Mizuho Securities | 4 | 25% |
| Andy Schmidt | KeyBanc Capital Markets | 3 | 0% |
| Trevor Williams | Jefferies | 2 | 0% |
| Firm | Analysts | Questions | ChallengePercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|---|
| KBW | 1 | 7 | 14% |
| Wolfe Research | 1 | 7 | 0% |
| Bernstein | 1 | 6 | 50% |
| JPMorgan | 1 |
| 6 |
| 33% |
| UBS | 1 | 5 | 0% |
| Wells Fargo | 1 | 5 | 20% |
| Mizuho Securities | 1 | 4 | 25% |
| Cantor Fitzgerald | 1 | 4 | 25% |
PayPal reported Q1 revenue growth of 7% with TPV accelerating to 11%, as the new CEO launched a $1.5 billion cost savings program. Non-GAAP EPS grew just 1% to $1.34, with operating margin pressured by investment pull-forward. Venmo maintained double-digit growth momentum, but branded checkout recovery remained sluggish and European softness created competitive headwinds. Management reiterated full-year 2026 guidance unchanged.
Competitive Dynamics | Revenue Growth | Product Launch | Innovation & R&D | Geographic Expansion | Demand | Guidance Reliability | Margin | |
|---|---|---|---|---|---|---|---|---|
| 2024Q4 | 3 | 7 | 1 | 1 | 2 | 1 | 1 | |
| 2025Q1 | 1 | 4 | 2 | 1 | 3 | 1 | 1 | |
| 2025Q2 | 2 | 3 | 4 | 2 | 2 | 1 | 1 | |
| 2025Q3 | 2 | 2 | 1 | 2 | 1 | 2 | 2 | |
| 2025Q4 | 5 | 1 | 1 | 1 | 2 | 2 | ||
| 2026Q1 | 5 | 1 | 3 | 1 | 3 |
| '24Q4 | '25Q1 | '25Q2 | '25Q3 | '25Q4 | '26Q1 | |
|---|---|---|---|---|---|---|
| Competitive Dynamics | 3 | 1 | 2 | 2 | 5 | 5 |
| Revenue Growth | 7 | 4 | 3 | 2 | 1 | |
| Product Launch | 1 | 2 | 4 | 1 | 1 | |
| Innovation & R&D | 1 | 2 | 2 | 1 | 3 | |
| Geographic Expansion | 1 | 3 | 2 | 1 | 1 | |
| Demand | 2 | 1 | 1 | 3 | ||
| Guidance Reliability | 1 | 1 | 1 | 2 | 2 | |
| Margin | 1 | 1 | 2 | 2 |
| Company | Score | Trend | Rev YoY |
|---|---|---|---|
PYPL PayPal | 5 | +7.2% | |
| AXP American Express Company | 8 | +10.3% | |
| COF Capital One | 6 | +44.2% | |
| MA Mastercard | 8 | +15.8% | |
| SYF Synchrony Financial | 7 | +16.6% | |
| V Visa Inc. | 9 | +17.1% |