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PayPal8-K: Margin pressure

PayPal reports 3Q'26 GAAP operating margin contracted 173 basis points to 16.3%

Read at SEC EDGAR

Source: Autobound Signal API · 140 signals tracked for PayPal · updated

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What happened

GAAP operating margin declined by 173 basis points year-over-year to 16.3%, with GAAP operating income decreasing 8% to $1.4 billion.

Source

SEC EDGAROct 27, 2026

Current report (Form 8-K)

PayPal 8-K

Filing excerpt

GAAP operating margin contracted 173 basis points to 16.3%; non-GAAP operating margin expanded 16 basis points to 18.8%.

sec.gov/Archives/edgar/data/1633917/000163391726000086/pypl-20261027.htmRead the full source

Extracted by Autobound

From the Signal API record
Signal
8-K: Margin pressure

What this signalsFilings often name leadership changes, deals and spending plans.

Form
8-K
Fiscal year end
10/27
Filed
Oct 27, 2026

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The full record

From the Signal API record

Numbers

Percent
-1.73% (GAAP operating margin contraction)

Details

CIK
1633917
Accession number
0001633917-26-000086
Timeframe
Current quarter
Filing year
2026
Why it matters
Efficiency tools needed
Signal category
Financial

Extraction

Confidence
High
Relevance
75%
Sentiment
Negative
Detected
Nov 3, 2026
signal_type
sec-8k
signal_subtype
marginPressure

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The API returns more than this page shows

This page shows a preview. The full sec-8k record in the Signal API and MCP can also have these 8 fields. Some fields are empty for some signals.

Company

  • linkedin_urlValue in the API
  • industriesValue in the API
  • employee_count_lowValue in the API
  • employee_count_highValue in the API
  • revenueValue in the API
  • descriptionValue in the API

Signal

  • signal_nameValue in the API
  • associationValue in the API
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Show the full JSONThe record on this page and the API request

GET /v1/signals/916066ef-f429-4a97-bd7f-592de798a593 returns this record as JSON. POST /v1/companies/enrich returns every signal for paypal.com.

{
  "signal_id": "916066ef-f429-4a97-bd7f-592de798a593",
  "signal_type": "sec-8k",
  "signal_subtype": "marginPressure",
  "detected_at": "2026-11-03T07:10:40.083+00:00",
  "company": {
    "name": "PayPal",
    "domain": "paypal.com"
  },
  "data": {
    "detail": "GAAP operating margin declined by 173 basis points year-over-year to 16.3%, with GAAP operating income decreasing 8% to $1.4 billion. Sales teams providing operational efficiency, automation, or payment optimization tools may find opportunities to help management restore profitability.",
    "metrics": {
      "pct": -0.0173,
      "timeframe": "current_quarter",
      "pct_context": "GAAP operating margin contraction"
    },
    "summary": "PayPal reports 3Q'26 GAAP operating margin contracted 173 basis points to 16.3%",
    "excerpts": "GAAP operating margin contracted 173 basis points to 16.3%; non-GAAP operating margin expanded 16 basis points to 18.8%.",
    "relevance": 0.75,
    "sentiment": "negative",
    "confidence": "high",
    "source_url": "https://www.sec.gov/Archives/edgar/data/1633917/000163391726000086/pypl-20261027.htm",
    "filing_date": "2026-10-27",
    "filing_year": 2026,
    "fiscal_year_end": "10/27",
    "sales_relevance": "Efficiency tools needed",
    "signal_category": "financial"
  }
}

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