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PayPal Holdings (PYPL) guidance and outlook
PayPal Holdings (PYPL) raised its guidance on Oct 27, 2026: EPS $1.37 for Q4 2026. PayPal Holdings' 10-Q filed Oct 27, 2026 makes 33 forward-looking statements, 4 of them new and 1 no longer said since the filing before.
Guidance and outlook
Latest guidance
| Metric | Period | Range | Change |
|---|---|---|---|
| EPS | Q4 2026 | $1.37 | new |
From the earnings release filed Oct 27, 2026 (8-K on EDGAR).
Forward-looking statements, 10-Q filed Oct 27, 2026
- Although we have developed systems and processes designed to protect the data we manage, prevent data loss and other security incidents, and enable us to effectively respond to known and potential risks, and expect to continue to expend significant resources to bolster these protections, we have experienced and expect to continue to experience cybersecurity and data privacy incidents and remain subject to these…
- In April 2026, the Company announced a strategic reorganization of its business and executive leadership team intended to accelerate execution of its long-term growth priorities, simplify its operating structure, streamline decision-making, and drive innovation.
- The Company intends to reinvest a significant portion of these savings back into its highest-priority growth initiatives.
- new · We expect the 3Q 2026 Plan to generate annualized employee-related cost savings of approximately $340 million.
- While changes in foreign exchange rates affect our reported results, we have a foreign currency exposure management program in which we use foreign exchange contracts, designated as cash flow hedges, intended to reduce the impact on earnings from foreign exchange rate movements.
- new · During the third quarter of 2026, management implemented the 3Q 2026 Plan to simplify our operations by removing organizational layers across the Company and increasing spans of control.
- new · We expect the 3Q 2026 Plan to reduce annualized employee-related costs associated with the impacted workforce by approximately $340 million, including stock-based compensation, with a portion of savings realized in September 2026 and the remainder expected to be realized beginning in the fourth quarter of 2026.
- new · We intend to reinvest a significant portion of these savings into our highest-priority growth initiatives.
- In connection with this restructuring, we expect to incur employee severance and benefits costs of approximately $85 million, asset impairment and accelerated depreciation charges of approximately $40 million to $60 million, and other restructuring costs of approximately $110 million to $140 million over the term of the 2Q 2025 Plan.
- updated · We expect annualized cost savings of approximately $310 million associated with the impacted workforce and operational costs for our technology infrastructure.
- We expect that we will begin to realize these cost savings upon the completion of the components of the 2Q 2025 Plan, and also expect to reinvest a portion of the reduction in annual costs to drive business priorities.
- We expect that these credit rating agencies will continue to monitor our performance, including our capital structure and results of operations.
PayPal Holdings' latest quarter
PayPal Holdings, Q3 2026: revenue $8.6B (+2% year over year), operating margin 16.3%, net earnings $1.1B, operating cash flow $1.6B. The chart follows the revenue to costs, profit and cash.
Questions
Did PayPal Holdings raise or lower its guidance?
PayPal Holdings (PYPL) raised its guidance on Oct 27, 2026: EPS $1.37 for Q4 2026.
What does PayPal Holdings expect?
We expect the 3Q 2026 Plan to generate annualized employee-related cost savings of approximately $340 million. During the third quarter of 2026, management implemented the 3Q 2026 Plan to simplify our operations by removing organizational layers across the Company and increasing spans of control. We expect the 3Q 2026 Plan to reduce annualized employee-related costs associated with the impacted workforce by approximately $340 million, including stock-based compensation, with a portion of savings realized in September 2026 and the remainder expected to be realized beginning in the fourth quarte
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.