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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.
Reporting soon: earnings call Tuesday, Oct 27
A pre-earnings brief is ready for PYPL: the setup, what peers and partners said this season, and which analysts to watch.Reading it is a Tellvest Pro feature.
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 said about other companies on its FY2026 Q1 call, and what other companies said about PYPL on their calls covering the same calendar quarter (Q1 2026). Each company's own fiscal quarter is shown next to its name. 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 | Headline |
|---|---|---|---|---|
| PYPLPayPal | 5 | +7.2% | PayPal reported Q1 revenue growth of 7% with TPV accelerating to 11%, as the new CEO launched a $1.5 billion cost savings program | |
| AFRMAffirm Holdings, Inc. | 10 | +32.6% | Affirm posted GAAP revenue up 32.64% year over year in a quarter Max called another one for the record books, with GAAP EPS of $0.30 and operating income swinging to $202.2M from an $8.4M loss a year earlier, evidencing powerful operating leverage (left GAAP EPS YoY undefined given the near-zero prior-year base) | |
| AXPAmerican Express Company | 8 | +10.3% | Record card member spending growth | |
| COFCapital One | 6 | +44.2% | Consumer remains resilient despite Persian Gulf energy shock | |
| KLARKlarna Group plc | 8 | +51.3% | Klarna's first quarter of 2026 marked a clean profitability inflection | |
| MAMastercard | 8 | +15.8% | Strong Revenue and Net Income Growth | |
| SOFISoFi Technologies, Inc. | 9 | +35.8% | SoFi accelerated into 2026, with first-quarter adjusted net revenue up 41% to $1.1 billion, ahead of expectations, and a Rule of 40 score of 72 | |
| SYFSynchrony Financial | 8 | +16.6% | Net interest income grew 4% to $4.6 billion with EPS of $2.27 growing 20% as record Q1 purchase volume was achieved with all five platforms growing or flat | |
| VVisa Inc. | 9 | +17.1% | Record net revenue growth momentum |
PayPal reported Q1 revenue growth of 7% with TPV accelerating to 11%, as the new CEO launched a $1.5 billion cost savings program
Affirm posted GAAP revenue up 32.64% year over year in a quarter Max called another one for the record books, with GAAP EPS of $0.30 and operating income swinging to $202.2M from an $8.4M loss a year earlier, evidencing powerful operating leverage (left GAAP EPS YoY undefined given the near-zero prior-year base)
| Company | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 |
|---|---|---|---|---|---|---|
| PYPL | 7 | 6 | 9 | 7 | 6 | 5 |
| AFRM | 9 | 9 | 9 | 10 | 9 | 10 |
| AXP | 9 | 6 | 6 | 9 | 9 | 8 |
| COF | 6 | 5 | 8 | 6 | 6 | 6 |
| KLAR | No score | No score | No score | 8 | 8 | 8 |
| MA | 8 | 7 | 9 | 9 | 9 | 8 |
| SOFI | 9 | 10 | 10 | 10 | 10 | 9 |
| SYF | 7 | 4 | 3 | 3 | 5 | 8 |
| V | 8 | 7 | 8 | 8 | 8 | 9 |
Consumer remains resilient despite Persian Gulf energy shock
Klarna's first quarter of 2026 marked a clean profitability inflection
SoFi accelerated into 2026, with first-quarter adjusted net revenue up 41% to $1.1 billion, ahead of expectations, and a Rule of 40 score of 72
Net interest income grew 4% to $4.6 billion with EPS of $2.27 growing 20% as record Q1 purchase volume was achieved with all five platforms growing or flat