What PayPal's FY2025 10-K says: 12 signals
PayPal filed its latest 10-K with the SEC on Feb 3, 2026. It discusses platform strategy, AI investment and bookings decline.
Public (PYPL)Non-Profit Organizations10,000+ employeespaypal.comLinkedIn
- Filed
- Feb 3, 2026
- Period
- FY2025
- Fiscal year end
- 12/31
- Filings
- 1
10-K · latest 10
What PayPal's 10-K filings say
- SEC EDGAR
10-K · FY2025
Filed · Fiscal year ends 12/31 · 12 signals
PayPal launching new products including the PayPal USD stablecoin and agentic commerce
The company is actively innovating in new growth areas, specifically launching the PayPal USD stablecoin and developing agentic commerce capabilities.
cryptodigital currenciesstablecoinAI
Ongoing investment in security systems to combat significant fraud and identity theft risks.
PayPal explicitly identifies fraudulent activities like account takeovers and identity theft as a significant risk to its business.
cybersecurity
PayPal strategically investing in AI agents to expand omnichannel commerce capabilities
PayPal is expanding its platform to allow consumers to make purchases through artificial intelligence (AI) agents as part of its omnichannel strategy.
AIagentic commerceNFC
PayPal launching AI agent capabilities to innovate in agentic commerce.
As part of its strategy to seek new growth, PayPal is actively creating new products and services involving AI agents for commerce.
AIagentic commerce
PayPal prioritizing data utilization to personalize offerings and find new revenue streams
A key part of PayPal's strategy is to 'unlock the power of data' from its two-sided network to personalize consumer offerings and create new sources of profitable growth.
personalization
Payment transactions fell 4% in 2025, signaling a drop in user activity.
Despite a 7% rise in total payment volume, the number of transactions per user is declining, falling 4% to 25.4 billion.
-4%
YoY change in number of payment transactions
Active account growth stagnated at 1% in 2025, indicating user acquisition challenges.
With active account growth nearly flat at 1% YoY, PayPal is struggling to attract and retain active users on its platform.
1%
YoY change in active accounts
Ongoing investment in cybersecurity program to combat fraud and protect platform
The company identifies fraud, account takeovers, and identity theft as significant risks and is making ongoing investments in its comprehensive cybersecurity program.
cybersecurity
Facing intensifying competition from banks, BNPL providers, digital wallets, and crypto.
PayPal identifies substantial and increasing competition from a wide array of players, including traditional banks, payment networks, and disruptive fintechs in BNPL, crypto, and mobile payments.
BNPLdigital walletsmobile paymentscryptocurrencies
Making ongoing investments in cybersecurity and fraud prevention systems.
PayPal emphasizes its 'ongoing investment' in a comprehensive cybersecurity program to protect its platform, enhance security, and minimize fraudulent transactions.
cybersecurity
Showing 10 of 12 filing signals. The Signal API returns all of them.
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One POST /v1/companies/enrich call with paypal.com returns PayPal 10-K signals (sec-10k), each with its source. Or ask Claude through MCP.
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curl -X POST https://signals.autobound.ai/v1/companies/enrich \
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-d '{"domain":"paypal.com","signal_types":["sec-10k"],"limit":20}'Same industry
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Questions about PayPal 10-K
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Source. Annual reports (Form 10-K) filed with the SEC. Every card links to the filing on EDGAR.
Method. Insights are extracted from the filing text and grouped by category. Numbers are quoted from the filing.
Data as of .