PayPal (PYPL): FY25 Q4 earnings call, Feb 3, 2026
On its Feb 3, 2026 earnings call (FY25 Q4), PayPal said 3 of the 14 words Kalshi and Polymarket listed; Parrot’s count agreed with all 14 settlements. Quotes below are at most 25 words each.
UpdatedMarkets
14 words · 3 settled yes · our count agreed on 14 of 14- Kalshi: company speakers + operator
Kalshi - Polymarket: anyone
Polymarket
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 | 13 | 13 | ✓ | 77%n=1+tx from settlement history blended with transcripts | – |
| E-Commerce | Yes | 3 | 4 | ✓ | 76%n=1+tx from settlement history blended with transcripts | – |
| Perplexity | Yes | 1 | 1 | ✓ | 54%transcripts from the transcript model | – |
| Unprofitable | No | 0 | 0 | ✓ | 73%n=1+tx from settlement history blended with transcripts | – |
| Stablecoin / Stable Coin | No | 0 | 0 | ✓ | 73%n=1+tx from settlement history blended with transcripts | – |
| College | No | 0 | 0 | ✓ | 70%n=1+tx from settlement history blended with transcripts | – |
| Cash Back / Cashback | No | 0 | 0 | ✓ | 62%transcripts from the transcript model | – |
| No | 0 | 0 | ✓ | 61%n=1+tx from settlement history blended with transcripts | – | |
| Bank | No | 0 | 0 | ✓ | 57%n=1+tx from settlement history blended with transcripts | – |
| Blue Owl | No | 0 | 0 | ✓ | 51%n=1+tx from settlement history blended with transcripts | – |
| Regulation / Regulator / Regulatory | No | 0 | 0 | ✓ | 29%transcripts from the transcript model | – |
| Regulation / Regulator | No | 0 | 0 | ✓ | 24%n=1+tx from settlement history blended with transcripts | – |
| Blockchain | No | 0 | 0 | ✓ | 21%n=1+tx from settlement history blended with transcripts | – |
| Bitcoin | No | 0 | 0 | ✓ | 12%n=1+tx from settlement history blended with transcripts | – |
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 21, 2026 04:22 UTC.
Transcript
quotes of at most 25 wordsSpeaker-labelled transcript · Source and credits · Used to count words; quotes of at most 25 words.
16 matches for “Transaction”; 5 quoted, at least 25 words apart.
…contributors to profitability. In 2025, they drove nearly half of our 6% transaction margin dollar growth. In buy now, pay later, we delivered over $40…
…friction out of the initial sign-up and onetime checkout flow. For non-vaulted transactions, we're continuing to scale our redesigned paysheet experience globally, now covering more…
…relationships with our customers. Monthly active accounts increased 1% to 231 million. Transactions per active account excluding PSP, which is a good proxy for engagement,…
…we move through 2026. Moving to more financial detail on Slide 12. Transaction revenue grew 3% on a spot basis to $7.8 billion and grew…
…contribution from merchant and consumer credit, partially offset by lower interest rates. Transaction take rate declined by 9 basis points to 1.65%. Excluding the impact…
Where the listed words were said
…than we anticipated, which has slowed our progress. Additionally, the combination of biometric adoption and competitive presentment have proven critical to branded checkout performance. So…
…has proven more demanding than we anticipated, presenting both challenges and opportunities. E-commerce growth has been challenging in key verticals and markets. Competitive intensity has…
…purchase items within the chat. We went live with agentic purchasing through Perplexity ahead of Thanksgiving, and we are now also live on Microsoft Co-Pilot.…
Agents: this page as TSV at /api/v1/appearances/paypal:2026-02-03:earnings_call · words: /api/v1/brief?appearance=paypal:2026-02-03:earnings_call · columnar JSON in #parrot-data · llms.txt · MCP