Here’s What to Expect From PayPal Holdings’ Next Earnings Report

Company Overview - PayPal Holdings, Inc. is a leading financial technology company that operates a global digital payments platform, facilitating online and in-person transactions, money transfers, and various payment services, with a market cap of approximately $55.1 billion [1] Earnings Expectations - The company is set to unveil its fourth quarter 2025 earnings on February 3, 2026, with analysts expecting an EPS of $1.29, reflecting an 8.4% increase from the prior-year quarter value of $1.19 [2] - For the full fiscal 2025, PayPal's EPS is projected to be $5.36, up 15.3% from $4.65 in fiscal 2024, and is expected to rise further to $5.86 in fiscal 2026, marking a 9.3% year-over-year increase [3] Stock Performance - PayPal's stock has declined by 34.4% over the past 52 weeks, significantly underperforming the Financial Select Sector SPDR Fund's 14.9% increase and the S&P 500 Index's 17.7% gains during the same period [4] Growth Concerns - The stock's decline is attributed to investor concerns regarding slowing growth and increasing competitive pressure in the digital payments sector, with active accounts growing only about 1% year-over-year, total payment transactions declining by 5%, and transactions per active account falling by 6% [5] Analyst Ratings - Analysts maintain a cautious "Hold" rating overall, with 42 analysts covering the stock: eight recommend a "Strong Buy," two suggest a "Moderate Buy," 27 advocate a "Hold," one gives a "Moderate Sell," and four suggest a "Strong Sell." The average analyst price target is $74.73, indicating a potential upside of 29.6% from current levels [6]