PayPal Holdings, Inc. (PYPL) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:03.917 today include forward-looking statements that involve risks and uncertainties. 00:00:03.917 -- 00:00:07.102 Actual results may differ materially from these statements. 00:00:07.102 -- 00:00:11.229 Our commentary is based on our best view of the world and our businesses as we see them 00:00:11.229 -- 00:00:16.818 today. As described in our earnings press release, SEC filings, and on our website, 00:00:16.818 -- 00:00:19.783 those elements may change as the world changes. 00:00:19.783 -- 00:00:22.086 Over to you, Alex. 00:00:22.086 -- 00:00:26.390 Thank you, Steve. Good morning, everyone, and thanks for joining the call. 00:00:26.390 -- 00:00:31.658 PayPal is a fundamentally stronger company today than it was two years ago. 00:00:31.658 -- 00:00:37.226 Focus and execution have enabled us to drive a positive inflection across our business. 00:00:37.226 -- 00:00:41.733 Take transaction margin dollar growth, excluding interest on customer balances. 00:00:41.733 -- 00:00:47.020 We are on pace for 6% to 7% growth in 2025 compared to negative growth 00:00:47.020 -- 00:00:52.028 just two years ago. Revenue growth has accelerated in the past two quarters as 00:00:52.028 -- 00:00:56.545 a result of our deliberate strategy to focus on profitable growth. 00:00:56.545 -- 00:01:01.492 Operationally, we are winning new customers and deepening engagement across our existing 00:01:01.492 -- 00:01:07.260 base. We have reinvigorated unprofitable and underperforming parts of the business. 00:01:07.260 -- 00:01:11.846 We're leveraging our incredible brands to innovate and expand our addressable market 00:01:11.846 -- 00:01:14.109 beyond online payments. 00:01:14.109 -- 00:01:19.317 Thanks to our omnichannel initiatives, we've accelerated branded experie...