Key Highlights

  • Visa (NYSE:V) slipped about 2% after hours after EPS of USD 3.48 and revenue of USD 12.14 billion edged past estimates, with one summary citing a cautious fiscal 2027 payment-volume outlook.
  • PayPal Holdings (NASDAQ:PYPL) rose 2.00% to USD 56.09 as EPS of USD 1.45 beat USD 1.31 and profit guidance rose, even though revenue of USD 8.58 billion missed USD 8.71 billion.
  • Robinhood Markets (NASDAQ:HOOD) fell about 4.7% after hours despite record USD 1.42 billion revenue, with prediction markets bringing in USD 173 million and crypto revenue down 55% to USD 120 million.
  • SoFi Technologies (NASDAQ:SOFI) jumped 13.42% to USD 16.40 after record net revenue of about USD 1.4 billion, a raised outlook, net income of USD 241 million and membership above 17 million.

Visa (NYSE:V): Payments beat, profit-taking

Visa (NYSE:V) reported EPS of USD 3.48 and revenue of USD 12.14 billion, both slightly ahead of estimates, a clean beat by most measures. The shares nonetheless slipped about 2% after hours, with published moves of 1.96% to 2%. A small after-hours decline after a good quarter often reflects investors locking in gains from a stock that had risen into the report. Payment networks earn fees on transaction volume and cross-border activity, so the market reads the outlook for volume growth as the key driver of the next several quarters. Revenue of USD 12.14 billion and EPS of USD 3.48 are the two figures to compare with consensus, but published estimates differ by provider, so the size of the beat is small and not exact. The figures above for Visa (NYSE:V) come from published market data and company statements and may be revised. The cautious fiscal 2027 payment-volume outlook, taken from one summary, may have been the trigger. If management expects slower volume growth, investors recalibrate the premium they will pay for a network. The lesson is that guidance and tone matter more than the quarter in this season. If the volume view is confirmed, the tone could also affect Mastercard and PayPal, which sell similar services, and the market may treat the group as a single trade.

PayPal Holdings (NASDAQ:PYPL): Revenue miss, guidance raise

PayPal Holdings (NASDAQ:PYPL) reported EPS of USD 1.45 against USD 1.31 expected, a beat of USD 0.14. Revenue of USD 8.58 billion missed the USD 8.71 billion estimate by about USD 0.13 billion, or roughly 1.5%, simple arithmetic on two published numbers. The company also raised its profit guidance. The shares rose 2.00% to USD 56.09 on October 27, 2026. A revenue miss with an earnings beat usually points to cost savings or a favorable mix, so the quality of the profit gain matters. The miss on sales is small in size but notable for a company trying to prove it can grow, and investors will want to know whether the weakness is in volume or in the price per transaction. The figures above for PayPal Holdings (NASDAQ:PYPL) come from published market data and company statements and may be revised. Investors look past a small revenue miss when management raises its profit outlook, because it suggests earnings power is improving. For a payments company, profit can improve through lower transaction costs, higher-margin products and cost cuts, even if total volume grows more slowly. The caution is that profit gains from efficiency are finite, so a company also needs revenue growth. The reaction was modest at 2.00%, which suggests the market saw a mixed report.

Robinhood Markets (NASDAQ:HOOD): Record quarter, crypto drag

Robinhood Markets (NASDAQ:HOOD) posted record revenue of USD 1.42 billion, a hair below the USD 1.43 billion estimate, a slight miss that explains part of the reaction. Adjusted EPS was USD 0.60 and GAAP EPS was USD 0.51, and the difference reflects items the company excludes from its adjusted measure. Prediction markets contributed USD 173 million in the release text, though one chart label shows USD 227 million for event contracts and other items, so the figure should be checked. The shares fell about 4.7% after hours, with published moves of 4.74% to 5%. A record quarter that falls slightly short of the estimate shows how high expectations were, since the stock had been priced for strength ahead of the release. The figures above for Robinhood Markets (NASDAQ:HOOD) come from published market data and company statements and may be revised. Event contracts rose more than sixfold to 16.4 billion contracts, while crypto revenue fell 55% to USD 120 million. The contrast shows retail users shifting from coins to contracts on events such as elections and economic data. For Robinhood Markets (NASDAQ:HOOD), a strong new product can offset crypto weakness, but investors also worry about regulatory exposure. Coinbase reports on October 29, 2026, so the crypto read-through arrives within two days.

SoFi Technologies (NASDAQ:SOFI): Beat and raise, big jump

SoFi Technologies (NASDAQ:SOFI) reported record net revenue of about USD 1.4 billion, though published figures range from USD 1.371 billion to USD 1.39 billion and the release headline rounds to USD 1.4 billion. Earnings per share were USD 0.18 against about USD 0.17 expected, and net income was USD 241 million. Membership rose above 17 million. Management also raised its full-year outlook, and one summary puts the revenue guide near USD 6.4 billion, a figure that should be checked against the release. The shares jumped 13.42% to USD 16.40 on October 27, 2026. The beat on earnings per share is small in cents, about USD 0.01 on simple arithmetic, but it came with higher guidance, which is what the market rewarded. The figures above for SoFi Technologies (NASDAQ:SOFI) come from published market data and company statements and may be revised. SoFi earns money from lending, financial services and technology platform fees, so growth in members is the base on which it sells additional products. A beat on every line, plus a raised outlook and a 2027 view well ahead of estimates, suggests those products are gaining traction. Fintech stocks tend to react strongly to guidance because they trade on growth. The reaction contrasts with Visa, Coca-Cola and Robinhood, which fell after reporting, showing the market rewarded outlook upgrades more than simple beats in this season.

Where Things Stand

The answer is that fintech and payments stocks reacted to guidance and mix more than to headline beats, so a beat at Visa met profit-taking, PayPal's profit guidance outweighed a revenue miss, Robinhood's revenue shortfall met crypto weakness, and SoFi's raised outlook drove a double-digit gain. Mastercard and Coinbase report on October 29 for further reads on payments and crypto activity. PayPal Holdings (NASDAQ:PYPL) rose. SoFi Technologies (NASDAQ:SOFI) jumped. Robinhood Markets (NASDAQ:HOOD) fell. This is not investment advice.