PayPal — Oct 28, 2025 release

Please see PayPal’s 3Q'25 earnings presentation for more detail. October 2025 Guidance July 2025 Guidance Prior year period 4Q'25 GAAP EPS $1.23 - $1.27 N/A $1.11 Non-GAAP EPS 1 $1.27 - $1.31 N/A $1.19 FY'25 GAAP EPS 2 $5.11 - $5.15 $4.90 - $5.05 $3.99 Non-GAAP EPS 3 $5.35 - $5.39 $5.15 - $5.30 $4.65 Please see “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 December 31, 2025 reflect adjustments of approximately $40 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 $255 million. 3Q 2025 Results 2 Conference Call & Webcast PayPal Holdings, Inc. will host a conference call to discuss third 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. Disc