Core Insights - Paypal reported revenue of $8.29 billion for the quarter ended June 2025, reflecting a 5.1% increase year-over-year and a surprise of +2.26% over the Zacks Consensus Estimate of $8.1 billion [1] - The earnings per share (EPS) was $1.40, up from $1.19 in the same quarter last year, surpassing the consensus EPS estimate of $1.30 by +7.69% [1] Financial Performance Metrics - Transaction margin was reported at 46.4%, slightly below the six-analyst average estimate of 46.7% [4] - Transaction take rate remained consistent at 1.7%, matching the six-analyst average estimate [4] - Total Payment Volume (TPV) reached $443.55 billion, exceeding the average estimate of $434.45 billion based on five analysts [4] - Transaction expense rate was 0.9%, aligning with the average estimate from four analysts [4] - Total take rate was reported at 1.9%, consistent with the four-analyst average estimate [4] - Active accounts stood at 438, matching the estimate from three analysts [4] - Transaction and Credit loss rate was 0.1%, in line with the three-analyst average estimate [4] - The number of payment transactions was 6,226, below the average estimate of 6,722 based on two analysts [4] - Revenues from other value-added services were $847 million, surpassing the eight-analyst average estimate of $766.91 million, representing a year-over-year change of +15.7% [4] - Transaction revenues amounted to $7.44 billion, exceeding the eight-analyst average estimate of $7.31 billion, with a year-over-year change of +4% [4] Stock Performance - Shares of Paypal have returned +5.3% over the past month, outperforming the Zacks S&P 500 composite's +3.6% change [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential for outperformance in the near term [3]