PayPal (PYPL): FY25 Q3 earnings call, Oct 28, 2025
On its Oct 28, 2025 earnings call (FY25 Q3), PayPal said 8 of the 15 words Kalshi listed; Parrot’s count agreed with all 15 settlements. Quotes below are at most 25 words each.
UpdatedMarkets
15 words · 8 settled yes · our count agreed on 15 of 15- Kalshi: company speakers + operator
Kalshi
backtest The probabilities on settled rows are a walk-forward backtest: the model as of before each event, computed after Parrot went live; they were not published at the time.
| Word | Result | Our count | All speakers | Agrees | Probability | Market |
|---|---|---|---|---|---|---|
| Biometric | Yes | 7 | 7 | ✓ | 54%transcripts from the transcript model | – |
| Yes | 4 | 5 | ✓ | 25%transcripts from the transcript model | – | |
| E-Commerce | Yes | 3 | 3 | ✓ | 65%transcripts from the transcript model | – |
| College | Yes | 3 | 3 | ✓ | 53%transcripts from the transcript model | – |
| Blue Owl | Yes | 3 | 4 | ✓ | 16%transcripts from the transcript model | – |
| Cash Back | Yes | 1 | 1 | ✓ | 65%transcripts from the transcript model | – |
| Unprofitable | Yes | 1 | 1 | ✓ | 65%transcripts from the transcript model | – |
| Stablecoin / Stable Coin | Yes | 1 | 1 | ✓ | 65%transcripts from the transcript model | – |
| Bank | No | 0 | 0 | ✓ | 71%transcripts from the transcript model | – |
| Charge Off / Charge-Off | No | 0 | 0 | ✓ | 47%transcripts from the transcript model | – |
| Hyperwallet | No | 0 | 0 | ✓ | 42%transcripts from the transcript model | – |
| Blockchain | No | 0 | 0 | ✓ | 33%transcripts from the transcript model | – |
| Fintech | No | 0 | 0 | ✓ | 33%transcripts from the transcript model | – |
| Regulation / Regulator | No | 0 | 0 | ✓ | 29%transcripts from the transcript model | – |
| Bitcoin | No | 0 | 0 | ✓ | 16%transcripts from the transcript model | – |
Market prices are mid quotes from Kalshi and Polymarket, shown for context, may be delayed by several minutes and are not a signal. Quotes as of Oct 20, 2026 15:46 UTC.
Transcript
quotes of at most 25 wordsSpeaker-labelled transcript · Source and credits · Used to count words; quotes of at most 25 words.
36 matches for “Transaction”; 5 quoted, at least 25 words apart.
…have enabled us to drive a positive inflection across our business. Take transaction margin dollar growth, excluding interest on customer balances. We are on pace…
…turned a corner, returning to volume growth and consistently contributing to company transaction margin dollar growth. We have delivered this acceleration in our business while…
…in the business's longer-term growth potential and ability to deliver high single-digit transaction margin dollar growth and non-GAAP EPS growth in the teens or better…
…delivered at or above the high end of our guidance range for transaction margin dollars and EPS. Importantly, our TM dollar growth continues to come…
…relationship with us. Monthly active accounts grew 2%. When you look at transactions per active account growing 5%, excluding PSP, you see the real story.…
Where the listed words were said
…checkout experiences, improving how we are prioritized across merchants, and importantly, driving biometric adoption. We are also leaning into new verticals and geographies that expand…
…for a future where consumers can pay through AI agents powered by Google, OpenAI, Perplexity, and others. Last September, we launched PayPal Everywhere in the…
…seeing people shop is it's not just hard lines of in-store or e-commerce. There are a lot of people that are shopping on their phone…
…attracted 1 million first-time users in Q3, thanks in part to our college partnerships. Monthly Venmo debit actives grew by more than 40%. This has…
…credit, externalizing a portion of our short-term U.S. pay later receivables with Blue Owl Capital. We ended the quarter with $6.4 billion in net loan…
…are targeted really around product attach and habituation. Things like merchant co-marketing, cashback offers, and rewards, and things around better placement and presentment drive right…
…new customers and deepening engagement across our existing base. We have reinvigorated unprofitable and underperforming parts of the business. We're leveraging our incredible brands to…
…branded experiences and PSP, we are also aggressively innovating in agentic, ads, stablecoins, and digital wallet interoperability through PayPal World to establish avenues for future…
Agents: this page as TSV at /api/v1/appearances/paypal:2025-10-28:earnings_call · words: /api/v1/brief?appearance=paypal:2025-10-28:earnings_call · columnar JSON in #parrot-data · llms.txt · MCP