PayPal (PYPL)

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As of Oct 23, 2026, Kalshi and Polymarket have settled 90 word markets on PayPal’s earnings calls since 2025, on 32 different words. Next call: Oct 27, 2026 (15 words listed).

“Braintree” on the Jul 28 call · 2:16 · said 12 times. Play the clip

Next: Earnings call ·

15 words listed · Occasion page

Who counts: Kalshi: company speakers + operator

Kalshi

PayPal: the words listed for Tue, Oct 27, how often each was said on past occasions, and the probability for this one
WordQ3’24Oct '24Q4’24Feb '25Q1’25Apr '25Q2’25Jul '25Q3’25year agoQ4’25Feb '26Q1’26May '26Q2’26last callTrendLast 8ScriptedAll-timeProbabilityMarket
Braintree18 times: Braintree, Q3’24 Oct '24, counts as said9 times: Braintree, Q4’24 Feb '25, counts as said5 times: Braintree, Q1’25 Apr '25, counts as said6 times: Braintree, Q2’25 Jul '25, counts as said0 times: Braintree, Q3’25 Oct '250 times: Braintree, Q4’25 Feb '262 times: Braintree, Q1’26 May '26, counts as said11 times: Braintree, Q2’26 Jul '26, counts as saidfalling6/875%6/875%35/4283%80%n=1+tx from settlement history blended with transcripts90¢ Kalshi
Biometric0 times: Biometric, Q3’24 Oct '240 times: Biometric, Q4’24 Feb '253 times: Biometric, Q1’25 Apr '25, counts as said1 time: Biometric, Q2’25 Jul '25, counts as said7 times: Biometric, Q3’25 Oct '25, counts as said13 times: Biometric, Q4’25 Feb '26, counts as said1 time: Biometric, Q1’26 May '26, counts as said0 times: Biometric, Q2’26 Jul '26rising5/862%4/850%8/4219%76%n=4+tx from settlement history blended with transcripts32¢ Kalshi
E-Commerce1 time: E-Commerce, Q3’24 Oct '24, counts as said1 time: E-Commerce, Q4’24 Feb '25, counts as said1 time: E-Commerce, Q1’25 Apr '25, counts as said1 time: E-Commerce, Q2’25 Jul '25, counts as said3 times: E-Commerce, Q3’25 Oct '25, counts as said3 times: E-Commerce, Q4’25 Feb '26, counts as said0 times: E-Commerce, Q1’26 May '261 time: E-Commerce, Q2’26 Jul '26, counts as saidsteady7/888%6/875%36/4286%74%n=4+tx from settlement history blended with transcripts62¢ Kalshi
Agentic Commerce0 times: Agentic Commerce, Q3’24 Oct '240 times: Agentic Commerce, Q4’24 Feb '251 time: Agentic Commerce, Q1’25 Apr '25, counts as said3 times: Agentic Commerce, Q2’25 Jul '25, counts as said6 times: Agentic Commerce, Q3’25 Oct '25, counts as said4 times: Agentic Commerce, Q4’25 Feb '26, counts as said0 times: Agentic Commerce, Q1’26 May '260 times: Agentic Commerce, Q2’26 Jul '26rising4/850%4/850%4/4210%66%n=1+tx from settlement history blended with transcripts52¢ Kalshi
Stablecoin / Stable Coin0 times: Stablecoin / Stable Coin, Q3’24 Oct '240 times: Stablecoin / Stable Coin, Q4’24 Feb '251 time: Stablecoin / Stable Coin, Q1’25 Apr '25, counts as said6 times: Stablecoin / Stable Coin, Q2’25 Jul '25, counts as said1 time: Stablecoin / Stable Coin, Q3’25 Oct '25, counts as said0 times: Stablecoin / Stable Coin, Q4’25 Feb '262 times: Stablecoin / Stable Coin, Q1’26 May '26, counts as said0 times: Stablecoin / Stable Coin, Q2’26 Jul '26steady4/850%4/850%6/4214%40%n=4+tx from settlement history blended with transcripts44¢ Kalshi
Google0 times: Google, Q3’24 Oct '240 times: Google, Q4’24 Feb '250 times: Google, Q1’25 Apr '250 times: Google, Q2’25 Jul '254 times: Google, Q3’25 Oct '25, counts as said0 times: Google, Q4’25 Feb '260 times: Google, Q1’26 May '260 times: Google, Q2’26 Jul '26steady1/812%1/812%17/4240%28%n=4+tx from settlement history blended with transcripts20¢ Kalshi
Cash Back / Cashback2 times: Cash Back / Cashback, Q3’24 Oct '24, counts as said2 times: Cash Back / Cashback, Q4’24 Feb '25, counts as said0 times: Cash Back / Cashback, Q1’25 Apr '252 times: Cash Back / Cashback, Q2’25 Jul '25, counts as said1 time: Cash Back / Cashback, Q3’25 Oct '25, counts as said0 times: Cash Back / Cashback, Q4’25 Feb '260 times: Cash Back / Cashback, Q1’26 May '260 times: Cash Back / Cashback, Q2’26 Jul '26falling4/850%2/825%16/4238%21%n=3+tx from settlement history blended with transcripts18¢ Kalshi
Stash0 times: Stash, Q3’24 Oct '240 times: Stash, Q4’24 Feb '250 times: Stash, Q1’25 Apr '250 times: Stash, Q2’25 Jul '250 times: Stash, Q3’25 Oct '251 time: Stash, Q4’25 Feb '26, counts as said0 times: Stash, Q1’26 May '260 times: Stash, Q2’26 Jul '26steady1/812%0/80%1/422%16%n=2+tx from settlement history blended with transcripts10¢ Kalshi
Anthropic / Claude0 times: Anthropic / Claude, Q3’24 Oct '240 times: Anthropic / Claude, Q4’24 Feb '250 times: Anthropic / Claude, Q1’25 Apr '251 time: Anthropic / Claude, Q2’25 Jul '25, counts as said0 times: Anthropic / Claude, Q3’25 Oct '250 times: Anthropic / Claude, Q4’25 Feb '260 times: Anthropic / Claude, Q1’26 May '260 times: Anthropic / Claude, Q2’26 Jul '26steady1/812%1/812%1/422%13%n=1+tx from settlement history blended with transcripts11¢ Kalshi
Ads ID / Ad IDnever said0 times: Ads ID / Ad ID, Q3’24 Oct '240 times: Ads ID / Ad ID, Q4’24 Feb '250 times: Ads ID / Ad ID, Q1’25 Apr '250 times: Ads ID / Ad ID, Q2’25 Jul '250 times: Ads ID / Ad ID, Q3’25 Oct '250 times: Ads ID / Ad ID, Q4’25 Feb '260 times: Ads ID / Ad ID, Q1’26 May '260 times: Ads ID / Ad ID, Q2’26 Jul '26steady0/80%0/80%0/420%13%transcripts from the transcript model6¢ Kalshi
Glancenever said0 times: Glance, Q3’24 Oct '240 times: Glance, Q4’24 Feb '250 times: Glance, Q1’25 Apr '250 times: Glance, Q2’25 Jul '250 times: Glance, Q3’25 Oct '250 times: Glance, Q4’25 Feb '260 times: Glance, Q1’26 May '260 times: Glance, Q2’26 Jul '26steady0/80%0/80%0/420%13%transcripts from the transcript model26¢ Kalshi
Regulation / Regulator / Regulatory0 times: Regulation / Regulator / Regulatory, Q3’24 Oct '240 times: Regulation / Regulator / Regulatory, Q4’24 Feb '251 time: Regulation / Regulator / Regulatory, Q1’25 Apr '25, counts as said0 times: Regulation / Regulator / Regulatory, Q2’25 Jul '250 times: Regulation / Regulator / Regulatory, Q3’25 Oct '250 times: Regulation / Regulator / Regulatory, Q4’25 Feb '260 times: Regulation / Regulator / Regulatory, Q1’26 May '260 times: Regulation / Regulator / Regulatory, Q2’26 Jul '26steady1/812%0/80%19/4245%11%n=3+tx from settlement history blended with transcripts15¢ Kalshi
European Payments Council / EPCnever said0 times: European Payments Council / EPC, Q3’24 Oct '240 times: European Payments Council / EPC, Q4’24 Feb '250 times: European Payments Council / EPC, Q1’25 Apr '250 times: European Payments Council / EPC, Q2’25 Jul '250 times: European Payments Council / EPC, Q3’25 Oct '250 times: European Payments Council / EPC, Q4’25 Feb '260 times: European Payments Council / EPC, Q1’26 May '260 times: European Payments Council / EPC, Q2’26 Jul '26steady0/80%0/80%0/420%10%n=1+tx from settlement history blended with transcripts8¢ Kalshi
Stripe0 times: Stripe, Q3’24 Oct '240 times: Stripe, Q4’24 Feb '250 times: Stripe, Q1’25 Apr '250 times: Stripe, Q2’25 Jul '250 times: Stripe, Q3’25 Oct '250 times: Stripe, Q4’25 Feb '260 times: Stripe, Q1’26 May '260 times: Stripe, Q2’26 Jul '26steady0/80%0/80%3/427%10%n=1+tx from settlement history blended with transcripts14¢ Kalshi
Bitcoinnever said0 times: Bitcoin, Q3’24 Oct '240 times: Bitcoin, Q4’24 Feb '250 times: Bitcoin, Q1’25 Apr '250 times: Bitcoin, Q2’25 Jul '250 times: Bitcoin, Q3’25 Oct '250 times: Bitcoin, Q4’25 Feb '260 times: Bitcoin, Q1’26 May '260 times: Bitcoin, Q2’26 Jul '26steady0/80%0/80%0/420%9%n=4+tx from settlement history blended with transcripts6¢ Kalshi
  • times said on that call
  • counted as said (ring)
  • no call
  • probability next time, with n
  • Select a word or a cell for its quotes
What the columns mean
Last N
of the appearances shown, how many counted as said
Trend
how the count moved over these calls
Scripted
calls of the last 8 where it was said in the prepared remarks
All-time
every call on file
Probability
the calibrated probability for the next listing; n is the settled observations behind it when it was computed, '+tx' adds the transcripts, 'new' means too little history

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.

Every word

1–19 of 19, most settled first
PayPal: every word with settled markets, most settled first
WordQ3’24Oct '24Q4’24Feb '25Q1’25Apr '25Q2’25Jul '25Q3’25Oct '25Q4’25Feb '26Q1’26May '26Q2’26last callTrendLast 8ScriptedAll-timeProbability
Blockchain0 times: Blockchain, Q3’24 Oct '240 times: Blockchain, Q4’24 Feb '250 times: Blockchain, Q1’25 Apr '251 time: Blockchain, Q2’25 Jul '25, counts as said0 times: Blockchain, Q3’25 Oct '250 times: Blockchain, Q4’25 Feb '260 times: Blockchain, Q1’26 May '260 times: Blockchain, Q2’26 Jul '26steady1/812%1/812%5/4212%12%n=4+tx from settlement history blended with transcripts
Blue Owl0 times: Blue Owl, Q3’24 Oct '240 times: Blue Owl, Q4’24 Feb '250 times: Blue Owl, Q1’25 Apr '250 times: Blue Owl, Q2’25 Jul '253 times: Blue Owl, Q3’25 Oct '25, counts as said0 times: Blue Owl, Q4’25 Feb '260 times: Blue Owl, Q1’26 May '260 times: Blue Owl, Q2’26 Jul '26steady1/812%1/812%1/422%28%n=3+tx from settlement history blended with transcripts
College0 times: College, Q3’24 Oct '240 times: College, Q4’24 Feb '250 times: College, Q1’25 Apr '256 times: College, Q2’25 Jul '25, counts as said3 times: College, Q3’25 Oct '25, counts as said0 times: College, Q4’25 Feb '260 times: College, Q1’26 May '260 times: College, Q2’26 Jul '26steady2/825%2/825%2/425%31%n=3+tx from settlement history blended with transcripts
Perplexity0 times: Perplexity, Q3’24 Oct '240 times: Perplexity, Q4’24 Feb '250 times: Perplexity, Q1’25 Apr '251 time: Perplexity, Q2’25 Jul '25, counts as said4 times: Perplexity, Q3’25 Oct '25, counts as said1 time: Perplexity, Q4’25 Feb '26, counts as said0 times: Perplexity, Q1’26 May '260 times: Perplexity, Q2’26 Jul '26rising3/838%3/838%3/427%40%n=3+tx from settlement history blended with transcripts
Unprofitable0 times: Unprofitable, Q3’24 Oct '241 time: Unprofitable, Q4’24 Feb '25, counts as said4 times: Unprofitable, Q1’25 Apr '25, counts as said1 time: Unprofitable, Q2’25 Jul '25, counts as said1 time: Unprofitable, Q3’25 Oct '25, counts as said0 times: Unprofitable, Q4’25 Feb '260 times: Unprofitable, Q1’26 May '260 times: Unprofitable, Q2’26 Jul '26falling4/850%4/850%6/4214%26%n=3+tx from settlement history blended with transcripts
Bank2 times: Bank, Q3’24 Oct '24, counts as said1 time: Bank, Q4’24 Feb '25, counts as said7 times: Bank, Q1’25 Apr '25, counts as said0 times: Bank, Q2’25 Jul '250 times: Bank, Q3’25 Oct '250 times: Bank, Q4’25 Feb '260 times: Bank, Q1’26 May '260 times: Bank, Q2’26 Jul '26falling3/838%0/80%36/4286%15%n=3+tx from settlement history blended with transcripts
Ads IDnever said0 times: Ads ID, Q3’24 Oct '240 times: Ads ID, Q4’24 Feb '250 times: Ads ID, Q1’25 Apr '250 times: Ads ID, Q2’25 Jul '250 times: Ads ID, Q3’25 Oct '250 times: Ads ID, Q4’25 Feb '260 times: Ads ID, Q1’26 May '260 times: Ads ID, Q2’26 Jul '26steady0/80%0/80%0/420%9%n=2+tx from settlement history blended with transcripts
Regulation / Regulator0 times: Regulation / Regulator, Q3’24 Oct '240 times: Regulation / Regulator, Q4’24 Feb '251 time: Regulation / Regulator, Q1’25 Apr '25, counts as said0 times: Regulation / Regulator, Q2’25 Jul '250 times: Regulation / Regulator, Q3’25 Oct '250 times: Regulation / Regulator, Q4’25 Feb '260 times: Regulation / Regulator, Q1’26 May '260 times: Regulation / Regulator, Q2’26 Jul '26steady1/812%0/80%13/4231%13%n=2+tx from settlement history blended with transcripts
AI / Artificial Intelligence0 times: AI / Artificial Intelligence, Q3’24 Oct '249 times: AI / Artificial Intelligence, Q4’24 Feb '25, counts as said6 times: AI / Artificial Intelligence, Q1’25 Apr '25, counts as said9 times: AI / Artificial Intelligence, Q2’25 Jul '25, counts as said3 times: AI / Artificial Intelligence, Q3’25 Oct '25, counts as said4 times: AI / Artificial Intelligence, Q4’25 Feb '26, counts as said18 times: AI / Artificial Intelligence, Q1’26 May '26, counts as said4 times: AI / Artificial Intelligence, Q2’26 Jul '26, counts as saidrising7/888%7/888%16/4238%90%n=1+tx from settlement history blended with transcripts
Cash Back2 times: Cash Back, Q3’24 Oct '24, counts as said2 times: Cash Back, Q4’24 Feb '25, counts as said0 times: Cash Back, Q1’25 Apr '252 times: Cash Back, Q2’25 Jul '25, counts as said1 time: Cash Back, Q3’25 Oct '25, counts as said0 times: Cash Back, Q4’25 Feb '260 times: Cash Back, Q1’26 May '260 times: Cash Back, Q2’26 Jul '26falling4/850%2/825%16/4238%35%n=1+tx from settlement history blended with transcripts
Consumer10+ times27 times: Consumer 10+ times, Q3’24 Oct '24, counts as said21 times: Consumer 10+ times, Q4’24 Feb '25, counts as said43 times: Consumer 10+ times, Q1’25 Apr '25, counts as said25 times: Consumer 10+ times, Q2’25 Jul '25, counts as said28 times: Consumer 10+ times, Q3’25 Oct '25, counts as said43 times: Consumer 10+ times, Q4’25 Feb '26, counts as said34 times: Consumer 10+ times, Q1’26 May '26, counts as said26 times: Consumer 10+ times, Q2’26 Jul '26, counts as saidsteady8/8100%7/888%41/4298%85%n=1+tx from settlement history blended with transcripts
Merchantevery call 5+ times44 times: Merchant 5+ times, Q3’24 Oct '24, counts as said33 times: Merchant 5+ times, Q4’24 Feb '25, counts as said35 times: Merchant 5+ times, Q1’25 Apr '25, counts as said39 times: Merchant 5+ times, Q2’25 Jul '25, counts as said29 times: Merchant 5+ times, Q3’25 Oct '25, counts as said58 times: Merchant 5+ times, Q4’25 Feb '26, counts as said27 times: Merchant 5+ times, Q1’26 May '26, counts as said28 times: Merchant 5+ times, Q2’26 Jul '26, counts as saidsteady8/8100%8/8100%42/42100%92%n=1+tx from settlement history blended with transcripts
Quarterevery call 15+ times65 times: Quarter 15+ times, Q3’24 Oct '24, counts as said59 times: Quarter 15+ times, Q4’24 Feb '25, counts as said57 times: Quarter 15+ times, Q1’25 Apr '25, counts as said64 times: Quarter 15+ times, Q2’25 Jul '25, counts as said69 times: Quarter 15+ times, Q3’25 Oct '25, counts as said43 times: Quarter 15+ times, Q4’25 Feb '26, counts as said57 times: Quarter 15+ times, Q1’26 May '26, counts as said56 times: Quarter 15+ times, Q2’26 Jul '26, counts as saidsteady8/8100%8/8100%42/42100%87%n=1+tx from settlement history blended with transcripts
Transactionevery call 5+ times45 times: Transaction 5+ times, Q3’24 Oct '24, counts as said34 times: Transaction 5+ times, Q4’24 Feb '25, counts as said30 times: Transaction 5+ times, Q1’25 Apr '25, counts as said30 times: Transaction 5+ times, Q2’25 Jul '25, counts as said36 times: Transaction 5+ times, Q3’25 Oct '25, counts as said16 times: Transaction 5+ times, Q4’25 Feb '26, counts as said21 times: Transaction 5+ times, Q1’26 May '26, counts as said33 times: Transaction 5+ times, Q2’26 Jul '26, counts as saidfalling8/8100%8/8100%42/42100%90%n=1+tx from settlement history blended with transcripts
Users11 times: Users, Q3’24 Oct '24, counts as said21 times: Users, Q4’24 Feb '25, counts as said8 times: Users, Q1’25 Apr '25, counts as said18 times: Users, Q2’25 Jul '25, counts as said5 times: Users, Q3’25 Oct '25, counts as said6 times: Users, Q4’25 Feb '26, counts as said0 times: Users, Q1’26 May '262 times: Users, Q2’26 Jul '26, counts as saidfalling7/888%7/888%40/4295%83%n=1+tx from settlement history blended with transcripts
Blocknever said0 times: Block, Q3’24 Oct '240 times: Block, Q4’24 Feb '250 times: Block, Q1’25 Apr '250 times: Block, Q2’25 Jul '250 times: Block, Q3’25 Oct '250 times: Block, Q4’25 Feb '260 times: Block, Q1’26 May '260 times: Block, Q2’26 Jul '26steady0/80%0/80%0/420%11%n=1+tx from settlement history blended with transcripts
Charge Off / Charge-Off0 times: Charge Off / Charge-Off, Q3’24 Oct '240 times: Charge Off / Charge-Off, Q4’24 Feb '252 times: Charge Off / Charge-Off, Q1’25 Apr '25, counts as said1 time: Charge Off / Charge-Off, Q2’25 Jul '25, counts as said0 times: Charge Off / Charge-Off, Q3’25 Oct '250 times: Charge Off / Charge-Off, Q4’25 Feb '260 times: Charge Off / Charge-Off, Q1’26 May '260 times: Charge Off / Charge-Off, Q2’26 Jul '26falling2/825%1/812%11/4226%16%n=1+tx from settlement history blended with transcripts
Fintech0 times: Fintech, Q3’24 Oct '240 times: Fintech, Q4’24 Feb '250 times: Fintech, Q1’25 Apr '251 time: Fintech, Q2’25 Jul '25, counts as said0 times: Fintech, Q3’25 Oct '250 times: Fintech, Q4’25 Feb '260 times: Fintech, Q1’26 May '260 times: Fintech, Q2’26 Jul '26steady1/812%1/812%5/4212%14%n=1+tx from settlement history blended with transcripts
Hyperwallet0 times: Hyperwallet, Q3’24 Oct '240 times: Hyperwallet, Q4’24 Feb '250 times: Hyperwallet, Q1’25 Apr '252 times: Hyperwallet, Q2’25 Jul '25, counts as said0 times: Hyperwallet, Q3’25 Oct '250 times: Hyperwallet, Q4’25 Feb '260 times: Hyperwallet, Q1’26 May '261 time: Hyperwallet, Q2’26 Jul '26, counts as saidsteady2/825%2/825%10/4224%27%n=1+tx from settlement history blended with transcripts
What the columns mean
Last N
of the appearances shown, how many counted as said
Trend
how the count moved over these calls
Scripted
calls of the last 8 where it was said in the prepared remarks
All-time
every call on file
Probability
the calibrated probability for the next listing; n is the settled observations behind it when it was computed, '+tx' adds the transcripts, 'new' means too little history

Appearances and settled record

latest 12

Our transcript counts matched how 88 of 90 settled words resolved (97.8%). How we check.

Recent appearances and how their listed words settled
DateAppearanceTextWordsSettledOur count agreed
Jul 28, 2026Earnings call FY26 Q2Speaker-labelled transcript3411 yes · 23 no32/34 (94%)
May 5, 2026Earnings call FY26 Q1Speaker-labelled transcript152 yes · 13 no15/15 (100%)
Feb 3, 2026Earnings call FY25 Q4Speaker-labelled transcript266 yes · 20 no26/26 (100%)
Oct 28, 2025Earnings call FY25 Q3Speaker-labelled transcript158 yes · 7 no15/15 (100%)
Jul 29, 2025Earnings call FY25 Q2Speaker-labelled transcript0––
Apr 29, 2025Earnings call FY25 Q1Speaker-labelled transcript0––
Feb 4, 2025Earnings call FY24 Q4Speaker-labelled transcript0––
Oct 29, 2024Earnings call FY24 Q3Speaker-labelled transcript0––
Jul 30, 2024Earnings call FY24 Q2Speaker-labelled transcript0––
Apr 30, 2024Earnings call FY24 Q1Speaker-labelled transcript0––
Feb 7, 2024Earnings call FY23 Q4Speaker-labelled transcript0––
Nov 1, 2023Earnings call FY23 Q3Speaker-labelled transcript0––

Citeparrot.markets, “PayPal (PYPL): earnings call word history”, as of Oct 23, 2026, https://parrot.markets/earnings/PYPL (CC BY 4.0)

Agents: this page as TSV at /api/v1/entity/paypal · words: /api/v1/history?entity=paypal · columnar JSON in #parrot-data · llms.txt · MCP