3Q 25 Financial Results
• Net revenues increased 7% to $8.4 billion; 6% currency-neutral (“FXN”).
• Transaction margin dollars1
(“TM$”) increased 6% to $3.9 billion; TM$ excluding interest on customer balances1,2 increased 7% to
$3.6 billion.
• GAAP operating income increased 9% to $1.5 billion; non-GAAP operating income increased 6% to $1.6 billion.
• GAAP operating margin expanded 33 basis points to 18.1%; non-GAAP operating margin contracted 19 basis points to 18.6%.
• GAAP EPS increased 32% to $1.303 ; non-GAAP EPS increased 12% to $1.34.
3Q 25 Operating Results
• Total payment volume (“TPV”) increased 8% to $458.1 billion; 7% FXN.
• Payment transactions decreased 5% to 6.3 billion. Excluding payment service provider transactions4
(“PSP”), payment transactions
increased 7%.
• Payment transactions per active account (“TPA”) on a trailing 12-month basis decreased 6% to 57.6. TPA ex-PSP4 increased 5%.
• Active accounts increased 1% to 438 million. On a sequential basis, active accounts increased by 0.1%, or by 0.3 million.
Cash Flow
• Cash flow from operations of $2.0 billion and free cash flow of $1.7 billion.
• Adjusted free cash flow of $2.3 billion, which excludes the net timing impact between originating buy now, pay later (“BNPL”) receivables as held for sale and the subsequent sale of receivables.
Balance Sheet and Liquidity
• Cash, cash equivalents, and investments totaled $14.4 billion as of September 30, 2025.
• Debt totaled $11.4 billion as of September 30, 2025.
• Returned $1.5 billion to stockholders by repurchasing approximately 21 million shares of common stock in 3Q 25. On a trailing 12-month basis, returned $5.7 billion to stockholders by repurchasing approximately 78 million shares of common stock. -----------
Gruß
Prof.Dr.Weissnix
Rechne immer mit dem Schlimmsten...
und Du kannst nur positiv überrascht werden :-) |
