PayPal Holdings Option Alert: Jan 16 $75 Calls at the Ask: 1000 vs 3734 OI; Earnings 7/29 Before Open 

PayPal Holdings Option Alert: Jan 16 $75 Calls at the Ask: 1000 @ $5.25 vs 3734 OI; Earnings 7/29 Before Open Ref=$71.11

PayPal Holdings Option Alert: Jan 16 $77.5 Puts at the Bid: 850 vs 6267 OI

PayPal Holdings Option Alert: Jan 16 $77.5 Puts at the Bid: 850 @ $6.0 vs 6267 OI; Ref=$78.385

PayPal Holdings (NASDAQ:PYPL) Stock

PAYPAL HOLDINGS INC

PayPal Holdings

PayPal was spun off from eBay in 2015 and provides electronic payment solutions to merchants and consumers, with a focus on online transactions. The company had 434 million active accounts at the end of 2024. The company also owns Venmo, a person-to-person payment platform.

Canaccord Genuity analyst Joseph Vafi maintains PayPal Holdings (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PYPL#NASDAQ">PYPL</a>) with a Buy and maintains $96 price target.

News

Price Target

Analyst Ratings

PYPL

Canaccord Genuity Maintains Buy on PayPal Holdings, Maintains $96 Price Target

PayPal Holdings (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PYPL#NASDAQ">PYPL</a>) reported better-than-expected second-quarter 2025 results on Tuesday.
The company reported a quarterly revenue growth of 5% year-over-year to $8.29 billion, topping the analyst consensus estimate of $8.08 billion. The adjusted EPS was $1.40, beating the analyst consensus estimate of $1.29.
PayPal expects a third-quarter adjusted EPS of $1.18-$1.22, compared to $1.20 for the previous year's period, and the analyst consensus estimate is $1.20. PayPal expects a full-year 2025 adjusted EPS of $5.15-$5.30 (prior $4.95-$5.10), compared to $4.65 Y/Y. Current analysts estimate an EPS of $5.09.
PayPal shares fell 0.9% to trade at $70.82 on Wednesday.
These analysts made changes to their price targets on PayPal following earnings announcement.
<ul class="wp-block-list">
<li>JMP Securities analyst Andrew Boone maintained PayPal with a Market Outperform and lowered the price target from $110 to $100.</li>
<li>Morgan Stanley analyst James Faucette maintained the stock with an Equal-Weight rating and raised the price target from $74 to $75.</li>
<li>Macquarie analyst Paul Golding maintained PayPal with an Outperform rating and maintained a $95 price target.</li>
</ul>
Considering buying PYPL stock? Here&#8217;s what analysts think: 
<figure class="wp-block-image size-large is-resized"><img loading="lazy" decoding="async" width="1024" height="579" src="https://editorial-assets.benzinga.com/wp-content/uploads/2025/07/30144422/image-484-1024x579.png" alt="" class="wp-image-1007718" style="width:600px;height:auto" srcset="https://editorial-assets.benzinga.com/wp-content/uploads/2025/07/30144422/image-484-1024x579.png 1024w,https://editorial-assets.benzinga.com/wp-content/uploads/2025/07/30144422/image-484-300x170.png 300w,https://editorial-assets.benzinga.com/wp-content/uploads/2025/07/30144422/image-484-768x434.png 768w,https://editorial-assets.benzinga.com/wp-content/uploads/2025/07/30144422/image-484.png 1096w" sizes="(max-width: 1024px) 100vw, 1024px" /></figure>
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Photo via Shutterstock

Earnings

Markets

Trading Ideas

These Analysts Revise Their Forecasts On PayPal Following Q2 Results

PayPal Holdings (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PYPL#NASDAQ">PYPL</a>) experienced a sharp decline in its stock price on Tuesday following its second-quarter 2025 earnings report, despite exceeding earnings per share and revenue expectations and raising its full-year profit guidance.
The market reacted negatively to a slowdown in branded checkout Total Payment Volume growth and management&#8217;s commentary flagging a &#8220;slight softening&#8221; in U.S. retail spending, raising concerns about the immediate trajectory of key growth areas.
Following the release, Wall Street analysts provided assessments of PayPal&#8217;s performance. Patrick Moley of Piper Sandler maintained a Neutral rating on the stock, setting a <a target="_blank" href="https://www.benzinga.com/quote/PYPL/analyst-ratings" rel="noreferrer noopener">price forecast of $74</a>.
Also Read: <a target="_blank" href="https://www.benzinga.com/markets/earnings/25/07/46687402/paypals-profit-surge-dwarfed-by-q2-transaction-slump-stock-falls" rel="noreferrer noopener">PayPal&#8217;s Profit Surge Dwarfed By Q2 Transaction Slump, Stock Falls</a>
Meanwhile, Andrew Boone of Citizens JMP Securities reiterated a Market Outperform rating, though he adjusted his price forecast downward from $110 to $100.
<h2 class="wp-block-heading">Piper Sandler&#8217;s Perspective</h2>
Moley described PayPal&#8217;s second-quarter fiscal 2025 performance as a solid earnings beat, driven by stronger-than-expected transaction margins and a favorable tax rate.
The company reported an adjusted EPS of $1.40, which came in at $0.09 above the analyst&#8217;s estimate and $0.10 above the midpoint of PayPal&#8217;s guidance range ($1.29–$1.31).
Total Payment Volume (TPV) reached $443.5 billion, about 3% higher than projected, while transaction margin dollars exceeded the forecast by 2% (or $78 million).
Active accounts totaled 438 million, which is in line with expectations, with a slight sequential improvement in monthly active users of 52%.
In response to the beat, management raised full-year adjusted EPS guidance to $5.15–$5.30, implying 12.5% growth at the midpoint, up from prior guidance of $4.95–$5.10.
As a result, the analyst revised their EPS estimates upward, from $5.05 to $5.17 for fiscal 2025 and from $5.69 to $5.76 for fiscal 2026. However, the price target represented ~13 times the 2026 EPS estimate.
Despite the guidance raise, PayPal stock fell nearly 9% post-earnings, which Moley attributed to branded checkout TPV growth slowing to 5%, down from 6% in the first quarter (excluding leap day), and CFO Jamie Miller flagging a &#8220;slight softening&#8221; in U.S. retail spending during the quarter. The analyst noted that these factors may have tempered buy-side expectations, even as consensus EPS forecasts are likely to rise.
Moley remains cautiously optimistic about PayPal&#8217;s ongoing strategic shift to become an omnichannel commerce hub. However, he warned that executing this transformation could require continued investment that may soon pressure margins.
The analyst emphasized that success in branded checkout and Venmo remains central to restoring investor confidence. Venmo TPV grew 45% YoY, Venmo debit card monthly active accounts rose 40%, and overall Venmo revenue grew over 20%, reaffirming the platform&#8217;s role as a critical driver of PayPal&#8217;s long-term growth.
Moley projected third-quarter revenue of $8.06 billion and EPS of $1.18.
<h2 class="wp-block-heading">Citizens JMP Securities&#8217; Take</h2>
Boone described the company&#8217;s second-quarter fiscal 2025 results as mixed, noting that while total payment volume (TPV) of $444 billion came in 2% ahead of estimates (+6% Y/Y, +5% ex-FX), transaction margin dollars (TM$) excluding interest slowed slightly, reflecting deceleration after adjusting for one-time items.
The company guided to similar TM$ growth for the third quarter, falling short of its high-single-digit target of 2027 at its analyst day. The analyst acknowledged PayPal&#8217;s conservative guidance style but said the promised acceleration now appears more distant.
Despite these concerns, Boone highlighted progress in product innovation, particularly the new checkout experience (now covering 60%+ of U.S. transactions), Fastlane&#8217;s substantial conversion uplift, and growing adoption of PayPal and Venmo debit cards, with 2 million new users added. However, with pro forma sales and marketing expenses jumping 38% Y/Y, the analyst wanted stronger growth as justification.
Boone&#8217;s price forecast reflects 17 times projected 2026 GAAP EPS of $6.01 (down from 20 times). The analyst still views the stock&#8217;s risk and reward as favorable given the company&#8217;s relatively low multiple (~11.9 times 2026E EPS), ongoing buybacks, and increasing product-led growth momentum across branded checkout, Braintree, BNPL, and Venmo.
Boone expects growth to gradually reaccelerate as PayPal improves consumer and merchant experiences through initiatives like PayPal World, the new crypto payments feature, and global wallet expansion, positioning the company for stronger, more sustainable long-term performance.
Boone projected third-quarter revenue of $8.12 billion (prior $8.05 billion) and EPS of $1.18 (prior $1.15).
Price Action: PayPal stock was trading lower by 0.46% to $71.12 at last check Wednesday.
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Image via Shutterstock

Reiteration

Tech

What's Fueling PayPal's Post-Earnings Skepticism?

Experts see exponential growth in on-chain payment volumes, rising institutional engagement, and shifting regulatory frameworks as proof of stablecoins as connector between <a href="https://www.benzinga.com/crypto/cryptocurrency/25/07/46619087/gold-backed-stablecoin-debuts-as-payment-method-for-african-content-creators">traditional finance and blockchains</a>.
What Happened: According to Messari's "State of Stablecoins" report, transfer volumes for stablecoins now rival legacy payment networks such as ACH, and in some cases surpass volumes seen on Visa (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/V#NYSE">V</a>) and PayPal (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PYPL#NASDAQ">PYPL</a>).
Speaking with Benzinga, Andrew Dyer, analyst at Messari and lead author of the report, points to this rapid growth as a clear marker of change. 
He pointed to integrations by fintechs, neobanks, and major payments providers as enabling seamless cross-border B2B payments by routing local fiat through stablecoins and back, reducing reliance on correspondent banks and slashing fees.
This "stablecoin sandwich" model has quietly scaled to billions in monthly volumes.
"We're constantly seeing new integrations with incumbents like Visa (stablecoin-linked cards), Stripe (Stablecoin Financial Accounts in 100+ countries), and Mastercard (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MA#NYSE">MA</a>) (enabling stablecoin payments at 150M merchants)," Dyer added.
The regulatory backdrop is equally pivotal. 
Dyer notes that although jurisdictions like the EU and Singapore have launched clear frameworks, "U.S. legislation has and will continue to set the standard globally."
Also Read: <a href="https://www.benzinga.com/crypto/cryptocurrency/25/07/46723859/trumps-advisors-just-laid-out-a-crypto-blueprint-heres-whats-in-it">Trump&#8217;s Advisors Just Laid Out A Crypto Blueprint—Here&#8217;s What&#8217;s In It</a>
Why It Matters: With 99% of circulating stablecoins denominated in U.S. dollars and backed primarily by U.S. Treasuries, compliance infrastructure rooted in the U.S. has global spillover effects.
Addressable&#8216;s stablecoin data for the Messari report highlights geographic disparities in stablecoin usage. 
"USDT controls over 60% of the global stablecoin market, and its dominance is even more pronounced in emerging markets, where it has roughly 4.5× more users than USDC," said Dr. Asaf Nadler, COO and co-founder of Addressable, speaking with Benzinga.
He attributes this skew to early Tether partnerships with local exchanges in countries like Nigeria, Turkey, and Argentina, contrasting with USDC's more institutional U.S.-focused approach.
"Stablecoin adoption in high-inflation nations like Iran and Bangladesh has grown ~300% YoY," Nadler added. 
Addressable's data model links onchain wallets to offchain identifiers, including geolocation, allowing it to surface correlations between inflation and user growth using third-party rankings like DataPandas.
The war in Ukraine further validated this model. 
"Escape velocity" wallet growth was observed after the conflict began, tracked through Addressable's identity graph mapping 1.5 billion wallets to over 400 million social profiles, with 23 million matched to real identities and locations.
Dyer further said he expects stablecoin strategies to focus more on banking integrations and user incentives rather than DeFi primitives. 
"Brokerages, fintechs, and neobanks may use stablecoins as a user acquisition lever," he said, noting how platforms might share yield from reserve assets with end-users. 
He also emphasized that banks may prioritize tokenized deposits and custody over DeFi strategies.
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Image: Shutterstock

Coverage of Bitcoin, Etherum, Ripple and all the latest digital currencies.

Cryptocurrency

300% Growth In High-Inflation Nations: Why Stablecoins Are Booming Where Fiat Is Failing

Macquarie analyst Paul Golding maintains PayPal Holdings (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PYPL#NASDAQ">PYPL</a>) with a Outperform and maintains $95 price target.

Macquarie Maintains Outperform on PayPal Holdings, Maintains $95 Price Target

Morgan Stanley analyst James Faucette maintains PayPal Holdings (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PYPL#NASDAQ">PYPL</a>) with a Equal-Weight and raises the price target from $74 to $75.

Morgan Stanley Maintains Equal-Weight on PayPal Holdings, Raises Price Target to $75

JMP Securities analyst Andrew Boone maintains PayPal Holdings (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PYPL#NASDAQ">PYPL</a>) with a Market Outperform and lowers the price target from $110 to $100.

JMP Securities Maintains Market Outperform on PayPal Holdings, Lowers Price Target to $100

Jim Cramer warned on Tuesday that President Donald Trump&#8216;s tariffs are beginning to impact consumer spending after three major companies reported disappointing quarterly results.
What Happened: &#8220;Long story short: today was a wake-up call,&#8221; CNBC&#8217;s Cramer said. &#8220;The tariffs, even reduced tariffs, are starting to roil things. The consumer&#8217;s not spending as much as I thought. There is an acknowledged slowdown there.&#8221;
United Parcel Service Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/UPS#NYSE">UPS</a>), Whirlpool Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WHR#NYSE">WHR</a>) and Stanley Black &amp; Decker Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SWK#NYSE">SWK</a>) all delivered what Cramer called &#8220;jarring quarters&#8221; that demonstrate trade policy disruptions affecting the broader economy.
UPS, widely viewed as an economic bellwether, reported declining revenue and warned of ongoing macroeconomic uncertainty. Management cited &#8220;U.S. consumer sentiment that was at historic lows&#8221; during the conference call, while noting <a href="https://www.benzinga.com/markets/earnings/25/07/46687002/ups-volume-takes-a-hit-on-tariff-induced-weakness-withholds-annual-outlook">soft manufacturing activity</a> domestically.
Whirlpool missed analyst estimates and provided <a href="https://www.benzinga.com/trading-ideas/movers/25/07/46705768/whats-going-on-with-whirlpool-shares-today">below-consensus full-year earnings guidance</a>, despite management expectations that new duties will eventually benefit domestic manufacturers. Stanley Black &amp; Decker reported tariff-related <a href="https://www.benzinga.com/trading-ideas/movers/25/07/46685031/whirlpool-posts-downbeat-earnings-joins-harmonic-stanley-black-decker-and-other-big-stocks-moving-lower-in-tuesdays-pre-market-session">supply chain disruptions</a> and projected an $800 million tariff-related hit this year.
See Also: <a href="https://www.benzinga.com/markets/macro-economic-events/25/07/46711597/trump-calls-it-the-biggest-deal-ever-but-critics-are-pointing-out-nothings-been-signed-with-the-eu-did-the-president-score-a-lowercase">Trump Calls It &#8216;The Biggest Deal Ever,&#8217; But Critics Are Pointing Out &#8216;Nothing&#8217;s Been Signed&#8217; With The EU — Did The President Score A &#8216;Lowercase Win?&#8217;</a>
Why It Matters: Cramer suggested these results indicate economic softness beyond isolated incidents, particularly after PayPal Holdings Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PYPL#NASDAQ">PYPL</a>) reported <a href="https://www.benzinga.com/markets/earnings/25/07/46687402/paypals-profit-surge-dwarfed-by-q2-transaction-slump-stock-falls">slower transaction growth</a> tied to reduced retail spending in tariff-impacted areas.
&#8220;These companies are experiencing the true worries we had about the tariffs while they were being slapped on earlier this year,&#8221; Cramer said. The host indicated the Federal Reserve might need to consider rate cuts given the emerging economic headwinds.
The earnings disappointments contrast with Cramer&#8217;s previous praise for Trump&#8217;s recent trade deals with Japan and the European Union, which he called &#8220;clean victories&#8221; despite <a href="https://www.benzinga.com/news/politics/25/07/46680463/jim-cramer-lauds-trumps-tariff-playbook-calls-japan-and-eu-trade-deals-clean-victories-our-country-ran-the-table-on-both">Wall Street&#8217;s muted response</a> to the agreements.
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Disclaimer:&nbsp;This content was partially produced with the help of AI tools and was reviewed and published by Benzinga editors.
Photo courtesy: Shutterstock

Equities

Jim Cramer Warns Of 'Acknowledged Slowdown' As Trump Tariffs 'Starting To Roil Things' After UPS, Whirlpool, Stanley Black & Decker Miss Earnings

Risk appetite took a breather Tuesday, with major U.S. stock indices retreating modestly from record highs as investors braced for a pivotal stretch of <a href="https://www.benzinga.com/markets/earnings/25/07/46693997/wall-street-earnings-preview-microsoft-apple-meta-amazon-mastercard-visa">earnings and macro events.</a>
<ul class="wp-block-list">
<li>MAGS ETF is up 50% since April&#8217;s tariff-driven low. <a href="https://www.benzinga.com/quote/MAGS">Track it now here.</a></li>
</ul>
Roughly $19.5 trillion in market value — led by four Magnificent Seven names: Microsoft Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MSFT#NASDAQ">MSFT</a>), Meta Platforms Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/META#NASDAQ">META</a>), Apple Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AAPL#NASDAQ">AAPL</a>), and Amazon.com Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AMZN#NASDAQ">AMZN</a>) — is set to report earnings by Thursday after market close.
Meanwhile, the Federal Reserve is widely expected to keep rates steady at 4.25%-4.5% on Wednesday, though growing market chatter points to possible dissent in favor of early cuts.
A 90-day extension of the U.S.-China trade truce remains on the table, said U.S. Secretary of Commerce Howard Lutnick.
Attention will then shift to Thursday's heavy macro lineup, including second-quarter GDP growth estimates and June's PCE inflation data, followed by July's jobs report on Friday — key inputs for the Fed's next move.
By midday in New York, the S&amp;P 500 slipped 0.1%, the Dow Jones Industrial Average declined 0.4%, and the Russell 2000 shed 0.7%. The Nasdaq 100 remained flat.
Advanced Micro Devices Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AMD#NASDAQ">AMD</a>) surged past $175, breaching a major technical level and marking highs not seen since July 2014, making it one of the day's top tech performers. 
Shares of AMD have now rallied by 134% since April&#8217;s tariff-driven lows, outperforming NVIDIA Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NVDA#NASDAQ">NVDA</a>)&#8217;s 105% gain during the same period.
The U.S. dollar extended its rally, on pace for a fourth consecutive gain after Monday's sharp move.
In commodities, oil prices stayed hot. WTI crude rose 1.6% to $67.75 per barrel, extending Monday's 2.4% jump and hitting a two-week high. Precious metals traded sideways as dollar strength continued to limit upside momentum.
Bitcoin (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/btc/usd">BTC</a>) edged down 1% to $117,000, logging a second straight daily decline.
<h2 class="wp-block-heading">Tuesday&#8217;s Performance In Major U.S. Indices, ETFs</h2>
<figure class="wp-block-table is-style-stripes"> 
<table class="has-fixed-layout">
<tbody>
<tr>
<td>Major Indices </td>
<td>Price</td>
<td>1-day % chg</td>
</tr>
<tr>
<td>Nasdaq 100</td>
<td>23,364.69</td>
<td>0.0%</td>
</tr>
<tr>
<td>S&amp;P 500</td>
<td>6,380.21</td>
<td>-0.1%</td>
</tr>
<tr>
<td>Dow Jones</td>
<td>44,657.34</td>
<td>-0.4%</td>
</tr>
<tr>
<td>Russell 2000</td>
<td>2,241.90</td>
<td>-0.7%</td>
</tr>
</tbody>
</table>
<figcaption class="wp-element-caption">Updated by 12:20 p.m. ET</figcaption></figure>
According to&nbsp;<a href="https://www.benzinga.com/pro/?utm_source=BZprocontent&amp;t=be2bearmibe3na1">Benzinga Pro</a>&nbsp;data:
<ul class="wp-block-list">
<li>The&nbsp;Vanguard S&amp;P 500 ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/VOO#NYSE">VOO</a>) was down 0.092% to $584.90.</li>
<li>The&nbsp;SPDR Dow Jones Industrial Average&nbsp;(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/DIA#NYSE">DIA</a>) slipped 0.4% to $446.42.</li>
<li>The tech-heavy&nbsp;Invesco QQQ Trust Series&nbsp;(NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/QQQ#NASDAQ">QQQ</a>)&nbsp;flattened at $567.97.</li>
<li>The&nbsp;iShares Russell 2000 ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/IWM#NYSE">IWM</a>) fell 0.8% to $222.45.</li>
<li>The&nbsp;Industrials&nbsp;Select Sector SPDR Fund (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLI#NYSE">XLI</a>) underperformed, down 1.3%; the&nbsp;Real Estate&nbsp;Select Sector SPDR Fund&nbsp;(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLRE#NYSE">XLRE</a>) outperformed, up 1.3%.</li>
</ul>
<h2 class="wp-block-heading">Tuesday&#8217;s Stock Movers</h2>
<ul class="wp-block-list">
<li>Novo Nordisk A/S (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/NVO#NYSE">NVO</a>) plunged 22.5% after the Danish pharma giant slashed guidance on its blockbuster Wegovy weight-loss drug, while also <a href="https://www.benzinga.com/analyst-stock-ratings/analyst-color/25/07/46688728/novo-nordisk-weight-loss-stock-eli-lilly-wegovy-ozempic">announcing a new CEO.</a></li>
<li>Sarepta Therapeutics Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SRPT#NASDAQ">SRPT</a>) surged more than 20% after announcing that the U.S. Food and Drug Administration signaled it could resume shipments of Elevidys.</li>
</ul>
Stocks reacting to quarterly results included:
<ul class="wp-block-list">
<li>Procter &amp; Gamble Co (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PG#NYSE">PG</a>) flat at 0.0%</li>
<li>UnitedHealth Group Inc (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/UNH#NYSE">UNH</a>) down 5.1%</li>
<li>Merck &amp; Co., Inc (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MRK#NYSE">MRK</a>) down 3.3%</li>
<li>Boeing Co (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BA#NYSE">BA</a>) down 3.0%</li>
<li>Spotify Technology S.A. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SPOT#NYSE">SPOT</a>) down 11.8%</li>
<li>American Tower Corp (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AMT#NYSE">AMT</a>) down 3.0%</li>
<li>Royal Caribbean Cruises Ltd (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RCL#NYSE">RCL</a>) down 5.0%</li>
<li>United Parcel Service, Inc (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/UPS#NYSE">UPS</a>) down 9.7%</li>
<li>Ecolab Inc (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ECL#NYSE">ECL</a>) down 4.7%</li>
<li>PayPal Holdings, Inc (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PYPL#NASDAQ">PYPL</a>) down 9.3%</li>
<li>Johnson Controls International plc (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/JCI#NYSE">JCI</a>) down 6.9%</li>
<li>Norfolk Southern Corp (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/NSC#NYSE">NSC</a>) down 3.5%</li>
<li>Carrier Global Corp (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CARR#NYSE">CARR</a>) down 11.0%</li>
<li>Corning Inc (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GLW#NYSE">GLW</a>) up 13.2%</li>
<li>CBRE Group, Inc (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CBRE#NYSE">CBRE</a>) up 9.1%</li>
<li>Sysco Corp (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SYY#NYSE">SYY</a>) down 2.5%</li>
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<li>SoFi Technologies, Inc.(NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SOFI#NASDAQ">SOFI</a>) up 14.0%</li>
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<li>Incyte Corp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/INCY#NASDAQ">INCY</a>) up 8.6%</li>
<li>Stanley Black &amp; Decker, Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SWK#NYSE">SWK</a>) down 8.4%</li>
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<li>Polaris Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PII#NYSE">PII</a>) up 12.2%</li>
<li>JetBlue Airways Corp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/JBLU#NASDAQ">JBLU</a>) up 4.9%</li>
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Stocks scheduled to report earnings after Tuesday's close include BXP Inc (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BXP#NYSE">BXP</a>), Caesars Entertainment Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/CZR#NASDAQ">CZR</a>), Electronic Arts Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/EA#NASDAQ">EA</a>), Essex Property Trust Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ESS#NYSE">ESS</a>), Exelixis Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/EXEL#NASDAQ">EXEL</a>), Mondelez International Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MDLZ#NASDAQ">MDLZ</a>), PPG Industries Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PPG#NYSE">PPG</a>), Regency Centers Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/REG#NASDAQ">REG</a>), Republic Services Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RSG#NYSE">RSG</a>), Starbucks Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SBUX#NASDAQ">SBUX</a>), Seagate Technology Holdings PLC (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/STX#NASDAQ">STX</a>), Teradyne Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TER#NASDAQ">TER</a>), Visa Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/V#NYSE">V</a>), Booking Holdings Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/BKNG#NASDAQ">BKNG</a>), The Cheesecake Factory Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/CAKE#NASDAQ">CAKE</a>), Freshworks Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FRSH#NASDAQ">FRSH</a>), Pebblebrook Hotel Trust (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PEB#NYSE">PEB</a>), Qorvo Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/QRVO#NASDAQ">QRVO</a>) and Red Rock Resorts Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/RRR#NASDAQ">RRR</a>).
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AMD Rises To 1-Year Highs, Crude Eyes $68: What's Moving Markets Tuesday?

PayPal Holdings (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PYPL#NASDAQ">PYPL</a>)&nbsp;<a target="_blank" href="https://www.benzinga.com/topic/paypal" rel="noreferrer noopener">stock dropped Tuesday</a> after it reported&nbsp;second-quarter 2025 results.
The company reported a quarterly&nbsp;revenue growth&nbsp;of 5% year-over-year to $8.29 billion, topping the&nbsp;<a target="_blank" href="https://www.benzinga.com/calendars/earnings" rel="noreferrer noopener">analyst consensus estimate</a> of&nbsp;$8.08 billion.&nbsp;
The adjusted EPS was $1.40, beating&nbsp;the&nbsp;<a target="_blank" href="https://investor.pypl.com/financials/quarterly-results/default.aspx" rel="noreferrer noopener">analyst consensus estimate</a> of $1.29.
<h2 class="wp-block-heading">Transaction Metrics And Margins</h2>
Total payment volumes rose by 6% year-over-year, reaching $443.5 billion in the quarter. However, payment transactions declined by 5%, totaling 6.2 billion.
Also Read: <a target="_blank" href="https://www.benzinga.com/crypto/cryptocurrency/25/07/46663393/paypal-rolls-out-new-crypto-feature-heres-why-you-should-care" rel="noreferrer noopener">PayPal Rolls Out New Crypto Feature: Here&#8217;s Why You Should Care</a>
On a trailing 12-month basis, the number of payment transactions per active account decreased by 4%, averaging $58.3.
The total number of active accounts increased by 2%, bringing the total to 438 million. Sequentially, active accounts rose by 0.4%, or 1.7 million accounts.
The operating margin improved by 134 basis points to 18.1%, while the adjusted operating margin increased by 132 basis points to 19.8%.
The operating cash flow for the second quarter was at 898 million, free cash flow was $692 million, and adjsuted free cash flow was $656 million.
PayPal held $13.7 billion in cash and equivalents as of June 30, with $11.5 billion in debt.
CEO Alex Chriss said PayPal delivered a strong second quarter, achieving another period of profitable growth fueled by momentum across key strategic initiatives—from PayPal and Venmo-branded experiences to PSP and value-added services.
Building on this strength, PayPal raised its full-year guidance for transaction margin dollars and EPS. He expects the company to unlock value through innovations like agentic commerce, ads, stablecoins, and PayPal World.
<h2 class="wp-block-heading">Outlook</h2>
PayPal expects a third-quarter adjusted EPS of $1.18-$1.22, compared to $1.20 for the previous year&#8217;s period, and the&nbsp;<a target="_blank" href="https://www.benzinga.com/calendars/guidance" rel="noreferrer noopener">analyst consensus estimate</a> is $1.20.
PayPal expects&nbsp;a full-year 2025&nbsp;adjusted EPS of $5.15-$5.30 (<a target="_blank" href="https://www.benzinga.com/news/earnings/25/04/45067312/paypal-earnings-beat-but-slower-spending-and-checkout-use-weigh-on-results" rel="noreferrer noopener">prior $4.95-$5.10</a>), compared to $4.65 Y/Y.&nbsp;Current analysts estimate&nbsp;an EPS of $5.09.
PayPal stock declined over 8% year-to-date despite gaining 18% in the last three months.
It grappled with rising interest rates and a slowing consumer spending environment, taking a toll on digital payment volumes.&nbsp;Additionally, PayPal faces intense competition from other fintech companies and platforms like Apple (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AAPL#NASDAQ">AAPL</a>) Apple Pay.
Price Action: At&nbsp;the last check on Tuesday, PayPal stock was down 7.58% at $72.29 premarket.
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PayPal's Profit Surge Dwarfed By Q2 Transaction Slump, Stock Falls

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PayPal Holdings shares are trading lower following Q2 reported financial results.

During Conf Call, PayPal CFO Reportedly Says In Q2 Observed A Slight Softening In Retail Spending Apparent In Areas Likely Impacted By Tariffs; Overall Consumer Spending And Labour Market Have Proven Resilient; To Closely Watch How Tariffs And Other Trading Friction Might Impact Global Economic Activity, Spending And Supply Chains Overtime

During Conf Call, PayPal CEO Says Most Merchants And Consumers Are Behaving Consistently With Recent Quarters - Conference Call; On Venmo Says Fully-focused On Unlocking Even Greater Growth Ahead; Expects Braintree's Total Payment Volumes To Accelerate In The Back Half Of The Year; CFO Says Macro And Consumer Spending Environment Has Been Uneven

During Conference Cal, PayPal CEO Says Most Merchants And Consumers Are Behaving Consistently With Recent Quarters

SPOT: -9% &#x7C; <a href="https://www.benzinga.com/node/46682528">Spotify Technology shares are trading lower after the company reported worse-than-expected Q2 EPS and issued weaker-than-expected Q3 revenue outlook.</a>
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PYPL: -5% &#x7C; <a href="https://www.benzinga.com/node/46682954">PayPal Holdings Q2 Adj. EPS $1.40 Beats $1.29 Estimate, Sales $8.3B Beat $8.082B Estimate</a>

Movers

Market-Moving News for July 29th

PayPal shares are trading lower despite a Q2 earnings beat.

PayPal Q2 Total Payment Volume Increased 6%, Payment Transactions Decreased 5%

PayPal Holdings (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PYPL#NASDAQ">PYPL</a>) raises FY2025 Adj EPS guidance from $4.95-$5.10 to $5.15-$5.30 vs $5.09 analyst estimate..

PayPal Holdings Raises FY2025 Adj EPS Guidance from $4.95-$5.10 to $5.15-$5.30 vs $5.09 Est

PayPal Holdings (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PYPL#NASDAQ">PYPL</a>) is looking for Q3 Adj EPS of $1.18-$1.22 vs $1.20 analyst estimate..

PayPal Holdings Sees Q3 Adj EPS $1.18-$1.22 vs $1.20 Est

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Fiserv and PayPal Expand Partnership to Advance Stablecoin Payments

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Date	Put/Call	Strike Price	Exp Date	DTE	Trade Vol	Day Vol	Vol / OI	OI	Trade Type	Sentiment
11:35 AMJul 29, 2025	CALL	$75.00	Jan 16, 2026	168	1364	1000	37	3734	TRADE	BULLISH
01:58 PMJul 28, 2025	PUT	$77.50	Jan 16, 2026	168	867	850	14	6267	TRADE	BULLISH

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