{"schema_version":"secwatch.filing_event.v1","accession":"0001633917-22-000165","form_type":"8-K","ticker":"PYPL","cik":"0001633917","company_name":"PayPal Holdings, Inc.","filed_at":"2022-11-03T23:59:59+00:00","discovered_at":"2026-05-14T18:03:51.508102+00:00","generated_at":"2026-06-22T09:14:58.164979+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"PayPal Q3 revenue beats, GAAP EPS up 26%, raises FY2022 EPS guidance","bullets":["Q3 net revenues $6.85B (+11% YoY); GAAP EPS $1.15 (+26% YoY); non-GAAP EPS $1.08 (-2% YoY).","TPV $337B (+9% spot, +14% FXN); operating cash flow $1.9B (+29%); free cash flow $1.8B (+37%).","Raised FY2022 GAAP EPS guidance to ~$2.11-$2.13 and non-GAAP EPS to ~$4.07-$4.09.","Partnering with Apple to enhance PayPal and Venmo offerings for merchants and consumers.","Expects 8-10 million net new actives in FY2022."],"urls":{"canonical":"https://secwatch.observer/filing/0001633917-22-000165","json":"https://secwatch.observer/filing/0001633917-22-000165.json","markdown":"https://secwatch.observer/filing/0001633917-22-000165.md","text":"https://secwatch.observer/filing/0001633917-22-000165.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1633917/000163391722000165/0001633917-22-000165-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1633917/000163391722000165/pypl-20221103.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-22T09:14:58.164979+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"35d1dbddb9fa20193c35fc2463d7b093792d21e9","claim":"PayPal Holdings, Inc. reported FY'22 results: EPS raising expected GAAP EPS to ~$2.11-$2.13; raising expected non-GAAP EPS to ~$4.07-$4.09. Guidance raised.","evidence_excerpt":"• FY'22: Raising EPS guidance, benefiting from ongoing productivity initiatives ◦ Net revenues expected to grow ~8.5% on a spot basis and ~10% FXN ◦ Raising expected GAAP EPS to ~$2.11-$2.13; raising expected non-GAAP EPS to ~$4.07-$4.09 ◦ TPV expected to grow ~8.5% on a spot basis and ~12.5% FXN ◦ Approximately 8-10 million Net New Actives (NNAs) expected to be added in FY'22","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1633917/000163391722000165/0001633917-22-000165-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"FY'22"},{"label":"EPS","value":"raising expected GAAP EPS to ~$2.11-$2.13; raising expected non-GAAP EPS to ~$4.07-$4.09"},{"label":"Guidance","value":"raised"},{"label":"Result","value":"guidance update"}],"fact_type":"earnings_release"},{"claim_id":"8e2fad73adf1ff57010830c72753ffcc1c06c8f6","claim":"PayPal Holdings, Inc. reported the quarter ended September 30, 2022 results: revenue $6.85 billion, EPS GAAP EPS of $1.15, compared to $0.92 in Q3'21; non-GAAP EPS of $1.08, compared to $1.11 in Q3'21.","evidence_excerpt":"Net revenues of $6.85 billion, 11% growth on a spot basis and 12% FXN ◦ Revenue excluding eBay grew 13% on a spot basis, on top of 25% growth in Q3'21 • GAAP operating margin of 16.3%, declined 54 basis points; non-GAAP operating margin of 22.4%, declined 140 basis points • GAAP operating income of $1.1B, growing 7%; non-GAAP operating income of $1.5B, growing 4% • GAAP EPS of $1.15, compared to $0.92 in Q3'21; non-GAAP EPS of $1.08, compared to $1.11 in Q3'21","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1633917/000163391722000165/0001633917-22-000165-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended September 30, 2022"},{"label":"Revenue","value":"$6.85 billion"},{"label":"EPS","value":"GAAP EPS of $1.15, compared to $0.92 in Q3'21; non-GAAP EPS of $1.08, compared to $1.11 in Q3'21"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}