PayPal Introduces Outlook for Accelerating Growth at Investor Day
PayPal (NASDAQ: PYPL) hosted an Investor Day on February 25, 2025, outlining its strategic growth plans and financial outlook. The company expects high single-digit transaction margin dollar growth and low teens+ non-GAAP EPS growth by 2027.
CEO Alex Chriss announced three major initiatives: PayPal Open, a unified merchant platform integrating commerce tools from payments to financial services, which will launch in the US before expanding to the UK and Germany; a strategic partnership with Verifone to deliver omnichannel payment solutions combining Verifone's hardware with PayPal's Braintree processing capabilities; and the international expansion of Fastlane to the UK and Europe through collaboration with J.P. Morgan Payments, offering a guest checkout experience that accelerates checkout speeds by more than 36% compared to traditional methods.
The company reaffirmed its 2025 financial guidance while initiating its 2027 outlook as part of its vision to become "the commerce platform powering the global economy."
PayPal (NASDAQ: PYPL) ha ospitato un Investor Day il 25 febbraio 2025, delineando i suoi piani strategici di crescita e le previsioni finanziarie. L'azienda prevede una crescita del margine di transazione a due cifre alta e una crescita dell'EPS non-GAAP a bassa cifra tra il 10% e il 13% entro il 2027.
Il CEO Alex Chriss ha annunciato tre iniziative principali: PayPal Open, una piattaforma unificata per i commercianti che integra strumenti commerciali dai pagamenti ai servizi finanziari, che verrà lanciata negli Stati Uniti prima di espandersi nel Regno Unito e in Germania; una partnership strategica con Verifone per offrire soluzioni di pagamento omnicanale che combinano l'hardware di Verifone con le capacità di elaborazione di Braintree di PayPal; e l'espansione internazionale di Fastlane nel Regno Unito e in Europa attraverso una collaborazione con J.P. Morgan Payments, offrendo un'esperienza di checkout per ospiti che accelera i tempi di checkout di oltre il 36% rispetto ai metodi tradizionali.
L'azienda ha confermato le sue previsioni finanziarie per il 2025 mentre ha avviato le sue previsioni per il 2027 come parte della sua visione di diventare "la piattaforma commerciale che alimenta l'economia globale."
PayPal (NASDAQ: PYPL) organizó un Investor Day el 25 de febrero de 2025, donde delineó sus planes estratégicos de crecimiento y perspectivas financieras. La compañía espera un crecimiento de márgenes de transacción de un solo dígito alto y un crecimiento del EPS no-GAAP de cifras bajas en los dos dígitos para 2027.
El CEO Alex Chriss anunció tres iniciativas principales: PayPal Open, una plataforma unificada para comerciantes que integra herramientas comerciales desde pagos hasta servicios financieros, que se lanzará en EE. UU. antes de expandirse al Reino Unido y Alemania; una asociación estratégica con Verifone para ofrecer soluciones de pago omnicanal que combinan el hardware de Verifone con las capacidades de procesamiento de Braintree de PayPal; y la expansión internacional de Fastlane al Reino Unido y Europa a través de una colaboración con J.P. Morgan Payments, ofreciendo una experiencia de pago para invitados que acelera los tiempos de pago en más del 36% en comparación con los métodos tradicionales.
La compañía reafirmó su guía financiera para 2025 al tiempo que inició su perspectiva para 2027 como parte de su visión de convertirse en "la plataforma comercial que impulsa la economía global."
PayPal (NASDAQ: PYPL)는 2025년 2월 25일 투자자 데이를 개최하여 전략적 성장 계획과 재무 전망을 설명했습니다. 회사는 높은 한 자릿수 거래 마진 달러 성장과 2027년까지 저수익+ 비GAAP EPS 성장을 예상하고 있습니다.
CEO 알렉스 크리스는 세 가지 주요 이니셔티브를 발표했습니다: PayPal Open, 결제부터 금융 서비스까지 상거래 도구를 통합하는 통합 상인 플랫폼으로, 미국에서 출시된 후 영국과 독일로 확장될 예정입니다; Verifone과의 전략적 파트너십으로 Verifone의 하드웨어와 PayPal의 Braintree 처리 기능을 결합한 옴니채널 결제 솔루션을 제공하고; Fastlane의 국제적 확장을 영국과 유럽으로 J.P. Morgan Payments와 협력하여 전통적인 방법에 비해 체크아웃 속도를 36% 이상 가속화하는 게스트 체크아웃 경험을 제공합니다.
회사는 2025년 재무 지침을 재확인하고 2027년 전망을 시작하며 "글로벌 경제를 지원하는 상거래 플랫폼"이 되겠다는 비전을 전달했습니다.
PayPal (NASDAQ: PYPL) a organisé une journée des investisseurs le 25 février 2025, présentant ses plans stratégiques de croissance et ses perspectives financières. L'entreprise prévoit une croissance des marges de transaction à un chiffre élevé et une croissance de l'EPS non-GAAP à deux chiffres bas d'ici 2027.
Le PDG Alex Chriss a annoncé trois initiatives majeures : PayPal Open, une plateforme unifiée pour les commerçants intégrant des outils commerciaux allant des paiements aux services financiers, qui sera lancée aux États-Unis avant de s'étendre au Royaume-Uni et en Allemagne ; un partenariat stratégique avec Verifone pour fournir des solutions de paiement omnicanal combinant le matériel de Verifone avec les capacités de traitement de Braintree de PayPal ; et l'expansion internationale de Fastlane au Royaume-Uni et en Europe grâce à une collaboration avec J.P. Morgan Payments, offrant une expérience de paiement invité qui accélère les vitesses de paiement de plus de 36 % par rapport aux méthodes traditionnelles.
L'entreprise a réaffirmé ses prévisions financières pour 2025 tout en initiant ses perspectives pour 2027 dans le cadre de sa vision de devenir "la plateforme commerciale qui alimente l'économie mondiale."
PayPal (NASDAQ: PYPL) veranstaltete am 25. Februar 2025 einen Investorentag, an dem die strategischen Wachstumspläne und die finanzielle Aussichten des Unternehmens vorgestellt wurden. Das Unternehmen erwartet ein hohes einstelliges Wachstum der Transaktionsmargen und ein Wachstum des Non-GAAP EPS im niedrigen zweistelligen Bereich bis 2027.
CEO Alex Chriss kündigte drei wichtige Initiativen an: PayPal Open, eine einheitliche Händlerplattform, die Handelswerkzeuge von Zahlungen bis zu Finanzdienstleistungen integriert und zunächst in den USA gestartet wird, bevor sie in das Vereinigte Königreich und nach Deutschland expandiert; eine strategische Partnerschaft mit Verifone, um omnichannel Zahlungslösungen anzubieten, die die Hardware von Verifone mit den Verarbeitungsfähigkeiten von Braintree von PayPal kombinieren; und die internationale Expansion von Fastlane in das Vereinigte Königreich und Europa durch eine Zusammenarbeit mit J.P. Morgan Payments, die ein Gast-Checkout-Erlebnis bietet, das die Checkout-Geschwindigkeit um mehr als 36 % im Vergleich zu herkömmlichen Methoden beschleunigt.
Das Unternehmen bekräftigte seine finanziellen Prognosen für 2025 und leitete gleichzeitig den Ausblick für 2027 ein, um seine Vision zu verwirklichen, "die Handelsplattform zu werden, die die globale Wirtschaft antreibt."
- High single-digit transaction margin dollar growth expected by 2027
- Low teens+ non-GAAP EPS growth projected by 2027
- Launch of PayPal Open unified merchant platform
- Strategic partnership with Verifone for omnichannel payment solutions
- Fastlane expansion to UK and Europe markets
- Fastlane accelerates checkout speeds by more than 36%
- None.
Insights
PayPal's Investor Day unveils a comprehensive strategic reset designed to revitalize its growth trajectory after years of slowing momentum. The company's projection of high single-digit transaction margin dollar growth and low teens+ non-GAAP EPS growth by 2027 represents a significant acceleration from recent performance and signals a pivotal shift from volume-centric metrics to profitability-focused KPIs.
The announcement of PayPal Open addresses one of the company's most persistent structural challenges: platform fragmentation. For years, PayPal has operated multiple disjointed technology stacks following acquisitions like Braintree, Venmo, and Xoom, creating inefficiencies that hampered innovation velocity and increased operating costs. This unification initiative is not merely an incremental improvement but a fundamental restructuring that should enhance developer integration capabilities while reducing long-term technology maintenance costs.
The Verifone partnership strategically positions PayPal to compete more effectively in the rapidly growing omnichannel commerce segment, where competitors like Block (Square) and Adyen have established strong footholds. By combining Verifone's extensive in-store terminal network with Braintree's robust e-commerce capabilities, PayPal can now offer merchants a truly integrated solution across all sales channels – addressing a critical gap in its enterprise offering.
The international expansion of Fastlane through J.P. Morgan Payments represents PayPal's counter to emerging checkout solutions like Apple Pay and Shop Pay. With cart abandonment rates averaging 70% in e-commerce and checkout friction remaining a primary cause, Fastlane's 36% acceleration in checkout speed directly addresses a pain point that impacts merchant conversion rates and revenue.
What's particularly noteworthy is CEO Alex Chriss's statement that PayPal "returned to profitable growth in 2024" – acknowledging the company's recent struggles while establishing a new baseline for measuring success. The extended timeline for these initiatives (2025-2027) suggests realistic expectations about implementation challenges and adoption curves, rather than promising unrealistic near-term results.
For investors, these announcements represent substantive steps toward addressing PayPal's core structural issues rather than superficial product enhancements. The focus on profitable growth rather than transaction volume alone aligns with the maturing fintech landscape, where sustainability has replaced hypergrowth as the primary valuation driver.
Announces New Unified Merchant Offering, Strategic Partnership with Verifone, and Fastlane Expansion to International Markets
Company expects high single-digit transaction margin dollar (TM $) growth1 and low teens+ non-GAAP EPS growth by 2027
"Our vision is for PayPal to be the commerce platform powering the global economy, and we have the scale, ubiquity, and data advantages to make that happen," said Alex Chriss, President and CEO, PayPal. "In 2024, we returned PayPal to profitable growth. We have increased our innovation velocity and are consolidating to one platform to meet the evolving needs of both consumers and merchants. Looking ahead, we expect high single-digit transaction margin dollar growth1 and low teens+ non-GAAP EPS growth by 2027. We have a clear strategy designed to accelerate profitable growth for years to come."
Outlook for Accelerating Growth
During today's event, PayPal will reaffirm its 2025 financial guidance, initiate its 2027 outlook, and share its longer-term growth ambitions:
Financial Metric | 2025 Guidance (reaffirmed) | Outlook by 2027 | Longer-term Ambition |
TM $s ex interest on customer balances1 | At least | High single-digit growth | |
Non-GAAP Earnings Per Share | 6 | Low teens+ growth |
Please see "Non-GAAP Financial Measures" for reconciliations of non-GAAP financial measures to the most directly comparable GAAP financial measures and important additional information.
New Unified Merchant Offering: PayPal Open
As part of the event, PayPal will announce its new merchant offering, PayPal Open, one platform for all businesses. With PayPal Open, businesses, including developers and partners, will be able to easily discover and integrate commerce enablement tools, ranging from payments to financial services to risk solutions within the PayPal ecosystem. Additionally, this platform integrates with external commerce partners, providing access to an even wider variety of offerings to help merchants support continuity and scale their businesses. PayPal Open will soon be available in the US and expand to the
Strategic Omnichannel Partnership with Verifone
PayPal also announced an expanded partnership with Verifone to deliver seamless omnichannel payment acceptance solutions to enterprise merchants. This strategic partnership will bring together Verifone's in-person payment assets with PayPal's enterprise payment processing and e-commerce capabilities, known as
Fastlane Expanding to International Markets
PayPal also announced an expanded strategic relationship with J.P. Morgan Payments to offer Fastlane for its merchant clients in the
Investor Day Materials and Webcast
The event will be broadcast live on PayPal's Investor Relations website today at https://paypal2025irday.q4ir.com/home/default.aspx beginning at 8:30 a.m. Eastern Time. Following the event, materials and an archived version of the broadcast will be available at the same location.
About PayPal
PayPal has been revolutionizing commerce globally for more than 25 years. Creating innovative experiences that make moving money, selling, and shopping simple, personalized, and secure, PayPal empowers consumers and businesses in approximately 200 markets to join and thrive in the global economy. For more information, visit https://www.paypal.com, https://about.pypl.com/ and https://investor.pypl.com/.
Presentation
All growth rates represent year-over-year comparisons, except as otherwise noted. All amounts in tables are presented in
Non-GAAP Financial Measures
This press release includes financial measures defined as "non-GAAP financial measures" by the SEC including: non-GAAP earnings per diluted share. These measures may be different from non-GAAP financial measures used by other companies. The presentation of this financial information, which is not prepared under any comprehensive set of accounting rules or principles, is not intended to be considered in isolation of, or as a substitute for, the financial information prepared and presented in accordance with generally accepted accounting principles ("GAAP").
Certain non-GAAP measures included in this press release were not reconciled to the comparable GAAP financial measures because the GAAP measures are not accessible on a forward-looking basis. We are unable to reconcile these forward-looking non-GAAP financial measures to the most directly comparable GAAP measures without unreasonable efforts because we are currently unable to predict with a reasonable degree of certainty the type and extent of certain items that would be expected to impact GAAP measures for these periods but would not impact the non-GAAP measures. Such items may include acquisitions, divestitures, investments, restructuring and other items. The unavailable information could have a significant impact on our GAAP financial results.
Forward-looking statements
This press release contains forward-looking statements relating to, among other things, the future results of operations, financial condition, expectations, and plans of PayPal Holdings, Inc. and its consolidated subsidiaries ("PayPal") that reflect PayPal's current projections and forecasts. Forward-looking statements can be identified by words such as "may," "will," "would," "should," "could," "expect," "anticipate," "believe," "estimate," "intend," "continue," "strategy," "future," "opportunity," "plan," "project," "forecast," "outlook," and other similar expressions. Forward-looking statements may include, but are not limited to, statements regarding our projected financial and operating results, including our full year 2025 guidance and our outlook for medium-term (i.e., 2027) and other future periods; market opportunity; projected future growth of PayPal's businesses; capital allocation; and planned or prospective PayPal products, services or features that have not yet been released or generally made available, including with respect to their functionality, availability, timing, and expected benefits.
Forward-looking statements are based upon various estimates and assumptions, as well as information known to PayPal as of the date of this press release and are inherently subject to numerous risks and uncertainties. Our actual results could differ materially from those estimated or implied by forward-looking statements. Factors that could cause or contribute to such differences include, but are not limited to: our ability to compete in markets that are highly competitive and subject to rapid technological change, and to develop and deliver new or enhanced products and services on a timely basis; cyberattacks and security vulnerabilities, and associated impacts; the effect of global and regional political, economic, market and trade conditions, including military conflicts, supply chain issues and related events that affect payments or commerce activity, including inflation and interest rates; the impact of catastrophic events, such as global pandemics, that may disrupt our business, as well as our customers, suppliers, vendors and other business partners; the stability, security and performance of our payments platform; the effect of extensive government regulation and oversight related to our business, products and services in a variety of areas, including, but not limited to, laws covering payments, lending and consumer protection; the impact of complex and changing laws and regulations worldwide, including, but not limited to, laws covering cybersecurity, privacy, data protection, and artificial intelligence; the impact of payment card, bank, or other network rules or practices; risks related to our credit products, including our ability to realize benefits from our agreements with third parties such as our agreement to sell our European BNPL loan receivables; changes in how consumers fund transactions; our ability to effectively detect and prevent the use of our services for fraud, abusive behaviors, illegal activities, or improper purposes; our ability to manage regulatory and litigation risks, and the outcome of legal and regulatory proceedings; our reliance on third parties in many aspects of our business; damage to our reputation or brands; fluctuations in foreign currency exchange rates; changes in tax rates and exposure to additional tax liabilities; changes to our capital allocation, management of operating cash or incurrence of indebtedness; our ability to timely develop and upgrade our technology systems, infrastructure and customer service capabilities; the impact of proposed or completed acquisitions, divestitures, strategic investments, or entries into new businesses or markets; and our ability to attract, hire, and retain highly talented employees. The forward-looking statements in this release do not include the potential impact of any acquisitions or divestitures that may be announced and/or contemplated after the date hereof.
More information about factors that could adversely affect PayPal's results of operations, financial condition and prospects, or that could cause actual results to differ from those expressed or implied in forward-looking statements is included under the captions "Risk Factors," "Legal Proceedings" and "Management's Discussion and Analysis of Financial Condition and Results of Operations" in PayPal's most recent annual report on Form 10-K and its subsequent quarterly reports on Form 10-Q, copies of which may be obtained by visiting PayPal's Investor Relations website at https://investor.pypl.com or the SEC's website at www.sec.gov. All information in this release speaks as of February 25, 2025. For the reasons discussed above, you should not place undue reliance on the forward-looking statements in this press release. PayPal assumes no obligation to update such forward-looking statements.
Contacts | |
Investor Relations | Media Relations |
1 Transaction margin dollar growth excluding the impact of interest on customer balances
2 Based on PayPal internal data from December 1, 2024, to December 31, 2024. (n=1,687). Comparing Fastlane accelerated shoppers vs. non accelerated shoppers for merchants that have integrated Fastlane in the
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SOURCE PayPal Holdings, Inc.
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