PayPal (PYPL): FY26 Q2 earnings call, Jul 28, 2026
On its Jul 28, 2026 earnings call (FY26 Q2), PayPal said 9 of the 23 words Kalshi and Polymarket listed; Parrot’s count agreed with 22 of 23 settlements. Quotes below are at most 25 words each, with timed clips.
UpdatedMarkets
23 words · 9 settled yes · our count agreed on 22 of 23- 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 | Clip | Market |
|---|---|---|---|---|---|---|---|
| Quarter 15+ times | Yes | 56 | 56 | ✓ | 83%transcripts from the transcript model | Hear it 0:00, Quarter 15+ times | – |
| Transaction 5+ times | Yes | 33 | 33 | ✓ | 86%transcripts from the transcript model | Hear it 2:07, Transaction 5+ times | – |
| Merchant 5+ times | Yes | 28 | 28 | ✓ | 89%transcripts from the transcript model | Hear it 4:56, Merchant 5+ times | – |
| Consumer 10+ times | Yes | 26 | 26 | ✓ | 80%transcripts from the transcript model | Hear it 4:42, Consumer 10+ times | – |
| Braintree | Yes | 11 | 12 | ✓ | 67%transcripts from the transcript model | Hear it 2:20, Braintree | – |
| AI / Artificial Intelligence | Yes | 4 | 4 | ✓ | 86%transcripts from the transcript model | Hear it 5:10, AI / Artificial Intelligence | – |
| Users | Yes | 2 | 2 | ✓ | 82%transcripts from the transcript model | Hear it 12:20, Users | – |
| E-Commerce | Yes | 1 | 1 | ✓ | 64%n=3+tx from settlement history blended with transcripts | Hear it 15:35, E-Commerce | – |
| Agentic Commerce | Yes | 0 | 0 | ✗ | 62%transcripts from the transcript model | – | |
| Biometric | No | 0 | 0 | ✓ | 87%n=3+tx from settlement history blended with transcripts | – | |
| Stablecoin / Stable Coin | No | 0 | 0 | ✓ | 69%n=3+tx from settlement history blended with transcripts | – | |
| Perplexity | No | 0 | 0 | ✓ | 47%n=2+tx from settlement history blended with transcripts | – | |
| No | 0 | 0 | ✓ | 34%n=3+tx from settlement history blended with transcripts | – | ||
| Cash Back / Cashback | No | 0 | 0 | ✓ | 31%n=2+tx from settlement history blended with transcripts | – | |
| Anthropic / Claude | No | 0 | 0 | ✓ | 22%transcripts from the transcript model | – | |
| Stash | No | 0 | 0 | ✓ | 18%n=1+tx from settlement history blended with transcripts | – | |
| Blockchain | No | 0 | 0 | ✓ | 16%n=3+tx from settlement history blended with transcripts | – | |
| Block | No | 0 | 0 | ✓ | 14%transcripts from the transcript model | – | |
| European Payments Council / EPC | No | 0 | 0 | ✓ | 13%transcripts from the transcript model | – | |
| Stripe | No | 0 | 0 | ✓ | 13%transcripts from the transcript model | – | |
| Regulation / Regulator / Regulatory | No | 0 | 0 | ✓ | 12%n=2+tx from settlement history blended with transcripts | – | |
| Ads ID | No | 0 | 0 | ✓ | 11%n=1+tx from settlement history blended with transcripts | – | |
| Bitcoin | No | 0 | 0 | ✓ | 9%n=3+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.
12 matches for “Braintree”; 5 quoted, at least 25 words apart.
…TM dollars grew 3%, driven by continued strength in Venmo, credit, and Braintree, while at the same time increasing our growth investments this quarter. Non-GAAP…
…will continue to deliver durable monetization. Moving to payment services and crypto. Braintree has delivered profitable growth for nine consecutive quarters. We have won new…
…our platform modernization work to deliver a better merchant experience by unifying Braintree, PayPal Complete Payments, and Hyperwallet into a single foundation. Our near-term priorities…
…neutral basis, online branded checkout volume growth stabilized at 2% for a second consecutive quarter, while Braintree and Venmo continued to grow in the mid-teens.
…a product lens, drivers included Venmo monetization, continued strong credit performance, and Braintree improvement. In addition, FX favorability and lower losses across PayPal and Venmo…
Where the listed words were said
Good morning. Welcome to PayPal's second quarter 2026 earnings conference call. My name is Sarah, and I will be your conference operator today. As a…
…we move into the second half of the year. As a result, we are raising our full-year guidance for transaction margin dollars and non-GAAP EPS.
…to better serve our highest value consumers while creating more value for merchants. At the same time, we have simplified our operating model around three…
We believe putting the consumer at the center of our strategy will strengthen our network, improve our merchant value proposition, and drive long-term growth. Over…
…the first quarter and from 7% in the second half of 2025. Braintree TPV continued to grow in the mid-teens from a combination of growth…
…customers. As we modernize our technology platform, improvements in our data and AI capabilities are enabling levels of segmentation and personalization that simply weren't possible…
Once we have engaged new users and grown their Venmo balance, our next priority will drive broader adoption of our financial services offerings to expand…
Agents: this page as TSV at /api/v1/appearances/paypal:2026-07-28:earnings_call · words: /api/v1/brief?appearance=paypal:2026-07-28:earnings_call · columnar JSON in #parrot-data · llms.txt · MCP