PayPal — Jul 29, 2025 release

Please see PayPal’s 2Q'25 earnings presentation for more detail. July 2025 Guidance April 2025 Guidance Prior year period 3Q'25 GAAP EPS $1.14 - $1.18 N/A $0.99 Non-GAAP EPS 1 $1.18 - $1.22 N/A $1.20 FY'25 GAAP EPS 2 $4.90 - $5.05 $4.80 - $4.95 $3.99 Non-GAAP EPS 3 $5.15 - $5.30 $4.95 - $5.10 $4.65 Please see “Non-GAAP Financial Measures” and “Non-GAAP Measures of Financial Performance” for reconciliations of non-GAAP financial measures to the most directly comparable GAAP financial measures and important additional information. 1. Estimated non-GAAP amounts for the three months ending September 30, 2025 reflect adjustments of approximately $50 million. 2. FY'24 GAAP EPS included a negative impact of ~$0.23 from PayPal’s strategic investment portfolio. 3. Estimated non-GAAP amounts for the full year ending December 31, 2025 reflect adjustments of approximately $270 million. 2Q 2025 Results 2 Conference Call & Webcast PayPal Holdings, Inc. will host a conference call to discuss second quarter 2025 results at 8:00 a.m. Eastern Time today. A live webcast of the conference call, together with a slide presentation that includes supplemental financial information and reconciliations of certain non-GAAP measures to their most directly comparable GAAP measures, can be accessed through the company’s Investor Relations website at https://investor.pypl.com. In addition, an archive of the webcast will be accessible for 90 days through the same link. Disclosure Channe