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Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions.
| Analyst | Firm | Questions · challengingPercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Darrin Peller | Wolfe Research | 9 questions · 11% challenging |
| Tien-Tsin Huang | JPMorgan | 8 questions · 38% challenging |
| Sanjay Sakhrani | KBW | 8 questions · 38% challenging |
| Harshita Rawat | Bernstein | 6 questions · 50% challenging |
| Jason Kupferberg | Wells Fargo | 6 questions · 17% challenging |
| Tim Chiodo | UBS | 6 questions · 0% challenging |
| Ramsey El-Assal | Cantor Fitzgerald | 5 questions · 20% challenging |
| Dan Dolev | Mizuho Securities | 4 questions · 25% challenging |
| Andrew Schmidt | KeyBanc Capital Markets | 3 questions · 0% challenging |
| Dan Perlin | RBC Capital Markets | 2 questions · 0% challenging |
| Firm | Analysts | Questions · challengingPercentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Wolfe Research | 1 analyst | 9 questions · 11% challenging |
| JPMorgan | 1 analyst | 8 questions · 38% challenging |
| KBW | 1 analyst | 8 questions · 38% challenging |
| Bernstein | 1 analyst | 6 questions · 50% challenging |
| UBS | 1 analyst | 6 questions · 0% challenging |
| Wells Fargo | 1 analyst | 6 questions · 17% challenging |
| Cantor Fitzgerald | 1 analyst | 5 questions · 20% challenging |
| Mizuho Securities | 1 analyst | 4 questions · 25% challenging |
No 8-K events recorded for this window.
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 | Guidance Reliability | Demand | Margin | |
|---|---|---|---|---|---|---|---|---|
| 2024Q4 | 3 | 7 | 1 | 1 | 1 | 2 | 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 | 2 | 1 | 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 | |
| Guidance Reliability | 1 | 1 | 1 | 2 | 2 | |
| Demand | 2 | 1 | 1 | 3 | ||
| Margin | 1 | 1 | 2 | 2 |
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| Quarter | Revenue | Rev YoY | EPS | EPS YoY | Op margin | Net margin |
|---|---|---|---|---|---|---|
| FY2024 Q4 | $8.37B | +4.2% | $1.11 | -14.0% | 17.2% | 13.4% |
| FY2025 Q1 | $7.79B | +1.2% | $1.29 | +55.4% | 19.6% | 16.5% |
| FY2025 Q2 | $8.29B | +5.1% | $1.29 | +19.4% | 18.1% | 15.2% |
| FY2025 Q3 | $8.42B | +7.3% | $1.30 | +31.3% | 18.1% | 14.8% |
| FY2025 Q4 | $8.68B | +3.7% | $1.53 | +37.8% | 17.4% | 16.6% |
| FY2026 Q1Selected | $8.35B | +7.2% | $1.21 | -6.2% | 17.8% | 13.3% |
| FY2026 Q2 | $8.68B | +4.8% | $1.25 | -3.1% | 16.4% | 12.7% |
Management’s own words, often on a non-GAAP, constant-currency, or adjusted basis — so these can differ from the GAAP figures above (e.g. constant-currency revenue growth excludes currency swings).
Calendar quarter Q1 2026Earnings call May 5, 2026
FY2026 Q1 in brief
PayPal reported Q1 revenue growth of 7% with TPV accelerating to 11%, as the new CEO launched a $1.5 billion cost savings program.
Newest quarter FY2026 Q2 is part of Pro · see what Pro adds →
GAAP revenue YoY +7.21% → base 6. The base score is anchored to the GAAP revenue YoY band before transcript, EPS, and guidance adjustments.
Sources. Tellvest earnings-call sentiment score for PayPal (PYPL), FY2026 Q1: 5/10. Scores: PayPal’s public earnings-call transcripts and SEC-reported results — the base band is anchored to reported GAAP revenue growth; transcript, EPS and guidance adjustments are applied separately (documented exceptions apply to a few issuers). Price: PYPL daily closing prices for the trailing year; dots mark earnings calls, colored by that quarter’s score; the newest quarter’s score is part of Tellvest Pro. How to read a company earnings-call score.
What PYPL and other companies said about each other on FY2026 Q1 earnings calls — extracted verbatim from public transcripts. Mentions from the newest quarter are a Pro feature.
“PayPal is a huge customer in sales, B2B and also service, call center, contact center.”
PayPal is described as a large Salesforce customer across sales and service that has deployed Agentforce to improve merchant onboarding conversion.
“PayPal has selected The Bank of New York Mellon Corporation to provide institutional-grade digital asset custody, supporting their digital payments wallets, financial services for millions of users globally.”
PayPal selected BNY for institutional-grade digital asset custody to support its payments wallets, signaling PayPal's expansion in digital assets.
| Company | Score | Trend | Rev YoY |
|---|---|---|---|
PYPL PayPal | 5 | +7.2% | |
| AFRM Affirm Holdings, Inc. | 10 | +32.6% | |
| AXP American Express Company | 8 | +10.3% | |
| COF Capital One | 6 | +44.2% | |
| KLAR Klarna Group plc | 8 | +51.3% | |
| MA Mastercard | 8 | +15.8% | |
| SOFI SoFi Technologies, Inc. | 9 | +35.8% | |
| SYF Synchrony Financial | 8 | +16.6% | |
| V Visa Inc. | 9 | +17.1% |