季度业绩表现 - 季度每股收益为3.26美元，超出市场预期的3.23美元，同比增长5.8%，业绩超预期幅度为0.93% [1] - 季度营收为24.3亿美元，超出市场预期0.90%，同比增长2.97% [2] - 在过去四个季度中，公司有三次每股收益和三次营收超出市场预期 [2] - 上一季度每股收益为3.1美元，超出预期的3.03美元，业绩超预期幅度为2.31% [1] 股价表现与市场比较 - 公司股价年初至今下跌约31.2%，而同期标普500指数上涨16.5% [3] - 公司所属的金融交易服务行业在Zacks行业排名中处于后39%分位 [8] 未来业绩预期与评级 - 当前市场对下一季度的共识预期为每股收益3.19美元，营收23.4亿美元 [7] - 当前财年的共识预期为每股收益12.18美元，营收93.1亿美元 [7] - 公司当前Zacks评级为3级（持有），预计近期表现将与市场同步 [6] 同行业公司比较 - 同业公司Green Dot预计在即将公布的报告中季度每股亏损0.11美元，同比变化为-184.6% [9] - Green Dot预计季度营收为4.8725亿美元，同比增长20% [9] - Green Dot的业绩预计将于11月10日公布 [9]

Key Takeaways PayPal's Q3 revenues rose 7.3% to $8.42B, beating estimates with EPS up 11.7% year over year.PYPL raised full-year EPS guidance to $5.35-$5.39 and reaffirmed $6-$7B in free cash flow.Venmo TPV grew 14% and revenues jumped 20%, signaling strong momentum in digital payments.PayPal Holdings (PYPL) released impressive third-quarter 2025 results on Oct. 28. Both earnings per share (EPS) and revenues comfortably surpassed the Zacks Consensus Estimates. Meanwhile, the company also raised its full-yea ...

FirstCash Holdings (FCFS) came out with quarterly earnings of $2.26 per share, beating the Zacks Consensus Estimate of $1.91 per share. This compares to earnings of $1.67 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of +18.32%. A quarter ago, it was expected that this pawn store would post earnings of $1.66 per share when it actually produced earnings of $1.79, delivering a surprise of +7.83%.Over the last four quarters, the c ...

Wex (WEX) came out with quarterly earnings of $4.59 per share, beating the Zacks Consensus Estimate of $4.45 per share. This compares to earnings of $4.35 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of +3.15%. A quarter ago, it was expected that this provider of fuel payment processing for fleet vehicles would post earnings of $3.69 per share when it actually produced earnings of $3.95, delivering a surprise of +7.05%.Over th ...

OppFi Inc. (OPFI) came out with quarterly earnings of $0.46 per share, beating the Zacks Consensus Estimate of $0.31 per share. This compares to earnings of $0.33 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of +48.39%. A quarter ago, it was expected that this company would post earnings of $0.3 per share when it actually produced earnings of $0.45, delivering a surprise of +50%.Over the last four quarters, the company has sur ...

Fiserv (FI) came out with quarterly earnings of $2.04 per share, missing the Zacks Consensus Estimate of $2.64 per share. This compares to earnings of $2.3 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of -22.73%. A quarter ago, it was expected that this financial services technology company would post earnings of $2.41 per share when it actually produced earnings of $2.47, delivering a surprise of +2.49%.Over the last four qua ...

Visa (V) came out with quarterly earnings of $2.98 per share, beating the Zacks Consensus Estimate of $2.97 per share. This compares to earnings of $2.71 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of +0.34%. A quarter ago, it was expected that this global payments processor would post earnings of $2.86 per share when it actually produced earnings of $2.98, delivering a surprise of +4.2%.Over the last four quarters, the compa ...

财务业绩摘要 - 第三季度非GAAP每股收益为1.34美元，超出市场预期0.15美元，同比增长11.7% [1] - 净收入达84.2亿美元，同比增长7.3%，超出市场预期1.6亿美元 [3] - 总支付额为4580.9亿美元，同比增长8.4% [4] 收入与交易表现 - 交易收入为75.2亿美元，占总收入的89.4%，同比增长6.4% [5] - 增值服务收入为8.95亿美元，占总收入的10.6%，同比增长14.7% [5] - 美国地区净收入为47.5亿美元，占总收入的56.5%，同比增长5.2% [5] - 国际净收入为36.6亿美元，占总收入的43.5%，按报告基础同比增长10.1% [5] 运营指标与用户数据 - 总活跃账户数量同比增长1.4%，达到4.38亿 [6] - 总支付交易笔数为63.3亿次，同比下降4.5% [6] - 每个活跃账户的支付交易笔数为57.6次，同比下降6.2% [6] 盈利能力与成本控制 - 交易边际美元为38.7亿美元，同比增长5.9% [4] - 运营利润率为18.1%，同比扩张33个基点 [7] - 交易费用率为0.89%，较去年同期的0.91%有所改善 [7] 现金流与资本回报 - 第三季度运营现金流为20亿美元，调整后自由现金流为23亿美元 [10] - 当季通过股票回购向股东返还15亿美元 [10] 财务状况 - 截至2025年9月30日，现金、现金等价物和投资总额为144亿美元 [8] - 长期债务余额为114亿美元 [8] 业绩指引更新 - 将2025年全年非GAAP每股收益指引上调至5.35-5.39美元，预示同比增长15-16% [11] - 将2025年交易边际美元指引上调至154.5-155.5亿美元，预示同比增长5-6% [11] - 预计2025年自由现金流在60-70亿美元之间，股票回购规模预计约为60亿美元 [12] 行业展望 - 行业公司万事达卡预计于10月30日公布财报，市场预期其第三季度每股收益为4.31美元，同比增长10.8% [13][14] - 行业公司富达国民信息服务预计于11月5日公布财报，市场预期其第三季度每股收益为1.48美元，同比增长5.7% [13][14]

Paypal (PYPL) came out with quarterly earnings of $1.34 per share, beating the Zacks Consensus Estimate of $1.19 per share. This compares to earnings of $1.2 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of +12.61%. A quarter ago, it was expected that this technology platform and digital payments company would post earnings of $1.3 per share when it actually produced earnings of $1.4, delivering a surprise of +7.69%.Over the la ...

Key Takeaways PayPal expects nearly 4% Q3 revenue growth and non-GAAP EPS of $1.18-$1.22.Q3 results likely reflect stronger TPV, branded checkout gains and progress in platform transformation.Partnerships with Blue Owl and Google, plus new product launches highlight PayPal's growth initiatives.PayPal (PYPL) is set to report its third-quarter 2025 results on Oct. 28.PYPL expects low to mid-single-digit or approximately 4% revenue growth on a currency-neutral basis for the to-be-reported quarter. Non-GAAP ear ...