PayPal focuses on AI-driven 'agentic commerce' and expands Venmo and Braintree ahead of its Q3 2026 earnings. The company aims to offset intense competition and transaction margin pressure from a shift to lower-margin unbranded processing.
Analysts observe core branded checkout growth has slowed. Monetizing billions in customer balances through broader financial services offers potential. The market awaits evidence this new focus translates to earnings growth. Current forecasts indicate modest revenue increases and potential earnings declines.