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.
28 matches for “Merchant”; 5 quoted, at least 25 words apart.
…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…
…at the center of our strategy will strengthen our network, improve our merchant value proposition, and drive long-term growth. Over the past quarter, we have…
…more value we create for consumers, the more value we create for merchants. Checkout remains foundational, but financial services, including buy now, pay later, credit,…
…By leveraging the depth of our consumer purchase data, we can help merchants reach consumers who are ready to buy while delivering more relevant and…
…while creating stronger network effects by better monetizing the wallet, identity, and merchant infrastructure we have built over the past two decades. Turning now to…
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…
…good second quarter. We delivered results that exceeded our expectations, reflecting disciplined execution across the business. Revenue increased 5% and transaction margin dollars grew 1%.
…consecutive quarters. We have won new deals, deepened our relationship with existing merchants, and improved overall margins with our suite of premium value-added services. Now,…
…merchants, and PayPal. We are sharpening our focus on our highest value consumer segments because they represent our greatest opportunity for long-term growth. This is…
…2% on a currency neutral basis, consistent with last quarter. Venmo and Braintree once again delivered strong momentum with total payment volume growing in the…
…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…
…potential for durable profitable growth. This includes marketplaces, platforms, and large e-commerce enterprises. To better attract and serve merchants with increasingly sophisticated needs,…
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