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PayPal10-K: Customer churn

Active account growth stagnated at 1% in 2025, indicating user acquisition challenges.

Read at SEC EDGAR

What happened

With active account growth nearly flat at 1% YoY, PayPal is struggling to attract and retain active users on its platform. This stagnation threatens long-term growth and increases the urgency to improve the value proposition to acquire new customers.

Source

SEC EDGARFeb 3, 2026

Annual report (Form 10-K)

PayPal 10-K for FY2025

Filing excerpt

As of December 31, 2025, we had 439 million active accounts, an increase of 1% compared to December 31, 2024.

sec.gov/Archives/edgar/data/1633917/000163391726000024/pypl-20251231.htmRead the full source

Other signals in this filing (11)

Extracted by Autobound

From the Signal API record
Signal
10-K: Customer churn

What this signalsFilings often name leadership changes, deals and spending plans.

Period
FY2025
Fiscal year end
12/31
Filed
Feb 3, 2026

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The full record

From the Signal API record

Numbers

Percent
1% (YoY change in active accounts)

Details

CIK
1633917
Accession number
0001633917-26-000024
Timeframe
Current year
Filing year
2026
Why it matters
Customer success tools needed
Signal category
Revenue

Extraction

Confidence
High
Relevance
80%
Sentiment
Negative
Detected
Feb 10, 2026
signal_type
sec-10k
signal_subtype
customerChurn

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The API returns more than this page shows

This page shows a preview. The full sec-10k record in the Signal API and MCP can also have these 8 fields. Some fields are empty for some signals.

Company

  • linkedin_urlValue in the API
  • industriesValue in the API
  • employee_count_lowValue in the API
  • employee_count_highValue in the API
  • revenueValue in the API
  • descriptionValue in the API

Signal

  • signal_nameValue in the API
  • associationValue in the API
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Show the full JSONThe record on this page and the API request

GET /v1/signals/cc763710-f3b4-44c2-86e0-0f5c27b22b17 returns this record as JSON. POST /v1/companies/enrich returns every signal for paypal.com.

{
  "signal_id": "cc763710-f3b4-44c2-86e0-0f5c27b22b17",
  "signal_type": "sec-10k",
  "signal_subtype": "customerChurn",
  "detected_at": "2026-02-10T07:49:42.775+00:00",
  "company": {
    "name": "PayPal",
    "domain": "paypal.com"
  },
  "data": {
    "detail": "With active account growth nearly flat at 1% YoY, PayPal is struggling to attract and retain active users on its platform. This stagnation threatens long-term growth and increases the urgency to improve the value proposition to acquire new customers.",
    "metrics": {
      "pct": 0.01,
      "timeframe": "current_year",
      "pct_context": "YoY change in active accounts"
    },
    "summary": "Active account growth stagnated at 1% in 2025, indicating user acquisition challenges.",
    "excerpts": "As of December 31, 2025, we had 439 million active accounts, an increase of 1% compared to December 31, 2024.",
    "relevance": 0.8,
    "sentiment": "negative",
    "confidence": "high",
    "source_url": "https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/pypl-20251231.htm",
    "filing_date": "2026-02-03",
    "filing_year": 2026,
    "fiscal_year_end": "12/31",
    "sales_relevance": "Customer success tools needed",
    "signal_category": "revenue"
  }
}

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