PayPal — Jul 28, 2026 release

July 2026 Guidance May 2026 Guidance Prior year period 3Q'26 GAAP EPS Low-single digit decline N/A $1.30 Non-GAAP EPS 1 Low-single digit decline N/A $1.34 FY'26 GAAP EPS 2 Mid-single digit decline Mid-single digit decline $5.41 Non-GAAP EPS 3 ~$5.38 Low-single digit decline to slightly positive $5.31 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 September 30, 2026 reflect adjustments of approximately $35 million. 2. FY'25 GAAP EPS included a positive impact of ~$0.14 from PayPal’s strategic investment portfolio and crypto assets held for investment. 3. Estimated non-GAAP amounts for the full year ending December 31, 2026 reflect adjustments of approximately $350 million which excludes potential second half 2026 transformation related charges.        2Q 2026 Results 2 Conference Call & Webcast PayPal Holdings, Inc. will host a conference call to discuss second quarter 2026 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