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Sentiment · FY2026 Q1
What companies say about each other on 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.
“with Copilot Checkout, we have partnered with PayPal Shopify, and Stripe so customers can make purchases directly within the app.”
Microsoft partnered with PayPal for Copilot Checkout in-app purchasing, a read-through on PayPal's positioning in agentic-commerce payment rails.
“PayPal's Zoom recently expanded its Visa Direct cross-border reach to more than 60 markets.”
PayPal's Xoom expanded its use of Visa Direct to more than 60 markets, a read-through on PayPal's growing reliance on Visa's money-movement rails for cross-border payouts.
“in combination with great companies that we're working with, like Shopify or Visa or PayPal or Mastercard, we've got to figure out how do we make sure that we bring all of these small businesses along”
Cloudflare names PayPal among the payment partners it is collaborating with on agentic-commerce rails for small businesses.
“the year-over-year impact PayPal had to our gross margin comparability, recognizing that moving forward, we have now normalized for the PayPal impact.”
PayPal's presence as a payment method on Shopify affected Shopify's merchant-solutions gross margin year-over-year comparability, now normalized.
“Turning to enterprise. Organizations are continuing to invest in Apple products to drive employee innovation and productivity. With companies like PayPal and Roche deploying more Macs for their workforce, we had the best June quarter ever for Mac in enterprise.”
PayPal was cited as an enterprise customer expanding Mac deployment for its workforce, contributing to Apple's best-ever June-quarter enterprise Mac results.
“Last quarter, we announced the PayPal physical card launch. It's very early, but we like what we're seeing there.”
Synchrony's PayPal physical card launch is early but tracking well, extending the PayPal-branded credit relationship into a physical card.
“We have a partnership with PayPal to help merchants build agentic commerce experiences.”
PayPal is a named partner in Google's agentic commerce/checkout push, positioning it in the emerging agent-to-agent payments space.
“The decrease was primarily driven by the same factors we have seen throughout the year, including the impact from the expanded partnership with PayPal, which will become less of a headwind in Q4 and beyond as we will have now lapped the initial expansion of the partnership, and lower noncash revenues from certain partnerships, which carry a high gross margin.”
Shopify's expanded PayPal partnership pressured Merchant Solutions gross margin, but the drag is lapping; signals a sizable ongoing PayPal integration.
“we are excited to have expanded our long-standing partnership with PayPal, continuing to leverage our technology footprint across North America, Europe, the U.K. and Asia Pacific.”
Global Payments expanded its multiyear partnership with PayPal into the U.S. market with global expansion planned, implying incremental volume growth for PayPal.
“an increase in commercial workspace wins, including projects with Google, WeWork, TurboTax, and PayPal”
PayPal is named as a B2B commercial workspace customer win for Williams-Sonoma.
“if you were talking to me 6 or 7, maybe 10 years, you'd say this thing called Venmo is coming on and you guys can be left behind, and here we are. Our Zelle payments exceed the most total volumes today and the industries are multiples.”
BofA's CEO cites Venmo (PayPal) as the once-feared P2P payments disruptor, noting the bank-industry Zelle consortium now exceeds Venmo's total payment volumes, a competitive benchmark on scale.
“we are already connecting early adopters like Abercrombie & Fitch, Fabletics, PacSun and Wayfair with agentic chat platforms to allow consumers to discover, evaluate and purchase items within the chat”
Wayfair is named as an early adopter of PayPal's Store Sync agentic-commerce product.
“we are already connecting early adopters like Abercrombie & Fitch, Fabletics, PacSun and Wayfair with agentic chat platforms to allow consumers to discover, evaluate and purchase items within the chat”
PacSun is named as an early adopter of PayPal's Store Sync agentic-commerce product.
“we are already connecting early adopters like Abercrombie & Fitch, Fabletics, PacSun and Wayfair with agentic chat platforms to allow consumers to discover, evaluate and purchase items within the chat”
Fabletics is named as an early adopter of PayPal's Store Sync agentic-commerce product.
“we are already connecting early adopters like Abercrombie & Fitch, Fabletics, PacSun and Wayfair with agentic chat platforms to allow consumers to discover, evaluate and purchase items within the chat”
Abercrombie & Fitch is named as an early adopter of PayPal's Store Sync agentic-commerce product.
“We went live with agentic purchasing through Perplexity ahead of Thanksgiving, and we are now also live on Microsoft Co-Pilot.”
PayPal is live for agentic purchasing on Microsoft Copilot, a partnership placing PayPal checkout inside Microsoft's AI assistant.
“We went live with agentic purchasing through Perplexity ahead of Thanksgiving, and we are now also live on Microsoft Co-Pilot.”
PayPal enabled agentic purchasing through Perplexity's platform, a distribution partnership in AI-driven commerce.
“Store Sync is enabled through a partnership with Cymbio, which we have agreed to acquire to bring this technology in-house.”
PayPal has agreed to acquire Cymbio, whose technology powers PayPal's Store Sync agentic-commerce offering.
“We took our first omnichannel enterprise merchant live through Verifone, expanding to in-store payments where 80% of payments occur, qualifying us for RFPs requiring both online and in-store capabilities.”
PayPal's Verifone partnership enabled its first omnichannel in-store enterprise merchant, expanding PayPal's addressable in-store payments opportunity.
“Visa's pre-dispute resolution service through VERIFY, which will help to reduce merchant costs”
PayPal integrated Visa's VERIFY pre-dispute resolution service into its enterprise offering, a commercial partnership using Visa's product.
“During the brief transition period through early March, as Enrique steps away from his role at HP, I will serve as interim CEO”
PayPal's incoming CEO Enrique Lores is departing his role as CEO of HP, a leadership loss for HP.
“What really is the transaction margin dollar net take rate per unit of BNPL volume so that we can compare that to metrics like RLTC as a % of GMV for Affirm?”
An analyst asked PayPal to frame its BNPL unit economics against Affirm's RLTC-as-a-percent-of-GMV metric, positioning Affirm as a Buy Now Pay Later competitor.
“You look at the announcement that we made yesterday with Built to be able to make rent and mortgage payments.”
Venmo announced a partnership with Bilt (spoken as 'Built') to enable rent and mortgage payments, expanding Pay with Venmo into recurring housing payments.
| Analyst | Firm | Questions (Challenge)Percentage of questions scored as challenging — where the analyst pushed back, pressed for specifics, or questioned management's assumptions. |
|---|---|---|
| Sanjay Sakhrani | KBW | 7 (14%) |
| Darrin Peller | Wolfe Research | 7 (0%) |
| Harshita Rawat | Bernstein | 6 (50%) |
| Tien-Tsin Huang | JPMorgan | 6 (33%) |
| Tim Chiodo | UBS | 5 (0%) |
| Jason Kupferberg | Wells Fargo | 5 (20%) |
| Dan Dolev | Mizuho Securities | 4 (25%) |
| Ramsey El-Assal | Cantor Fitzgerald | 4 (25%) |
| Andy Schmidt | KeyBanc Capital Markets | 3 (0%) |
| Jim Faucette | Morgan Stanley | 2 (0%) |
| Firm | Analysts | Questions (Challenge)Percentage 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 |
| UBS | 1 | 5 (0%) |
| Wells Fargo | 1 | 5 (20%) |
| Mizuho Securities | 1 | 4 (25%) |
| Cantor Fitzgerald | 1 | 4 (25%) |
PayPal reported full-year non-GAAP EPS of $5.37, though Q4 EPS growth decelerated to 3% as branded checkout sharply slowed to 1% currency-neutral growth. The CEO was replaced for execution shortfalls, Investor Day 2027 targets were withdrawn, and management introduced FY2026 guidance implying flat to slightly declining EPS. Venmo surpassed 100 million active accounts with $1.7 billion in revenue, and enterprise payments returned to double-digit volume growth.
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% |