{"schema":"rootz.ai/filing-signals/v1","query":{"ticker":"PYPL","limit":50},"count":20,"signals":[{"ticker":"PYPL","company":"PayPal Holdings, Inc.","exchange":"Nasdaq","sector":"Services-Business Services, NEC","signal_type":"restructuring","strength":100,"match_count":16,"context":"e.  | | | | FY 2025 FORM 10-K | 42 | | [Table of Contents](#ib374be020e32478695eb0f302253050b_4) Restructuring and other decreased $107 million in 2025 compared to 2024 due primarily to a decrease in restructuring charges of approximately $170 million, partially offset by an increase in net loss of approximately $60 million from fair value adjustments to measure loans and interest receivable, held for sale, at the low","filed_date":"2026-02-03","accession":"0001633917-26-000024","full_text":"https://origin.rootz.global/static/filing/0001633917-26-000024.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"PYPL","company":"PayPal Holdings, Inc.","exchange":"Nasdaq","sector":"Services-Business Services, NEC","signal_type":"ai_adoption","strength":100,"match_count":45,"context":"attribute of our short-term BNPL products is the absence of interest or consumer late fees for missed payments in most of the geographies where we offer them. Further, we offer interest-bearing installment products for consumers in the U.S. (issued by an independent chartered financial institution) and in Germany, among other markets. In the U.S., consumers may apply for the PayPal- and Venmo-brande","filed_date":"2026-02-03","accession":"0001633917-26-000024","full_text":"https://origin.rootz.global/static/filing/0001633917-26-000024.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"PYPL","company":"PayPal Holdings, Inc.","exchange":"Nasdaq","sector":"Services-Business Services, NEC","signal_type":"risk_factor","strength":100,"match_count":98,"context":"ion. New or changing laws and regulations, including changes to their interpretation and implementation, as well as increased penalties and enforcement actions related to non-compliance, could have a material adverse impact on our business, results of operations, and financial condition. We monitor these areas closely and are focused on designing compliant solutions for our customers. Government regulation impacts key a","filed_date":"2026-02-03","accession":"0001633917-26-000024","full_text":"https://origin.rootz.global/static/filing/0001633917-26-000024.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"PYPL","company":"PayPal Holdings, Inc.","exchange":"Nasdaq","sector":"Services-Business Services, NEC","signal_type":"restructuring","strength":100,"match_count":11,"context":"number of matters being examined, we are unable to estimate the full range of possible adjustments to the balance of gross unrecognized tax benefits.  NOTE 17RESTRUCTURING AND OTHER RESTRUCTURING The restructuring charges associated with the following plans were recorded in restructuring and other on our condensed consolidated statements of income. Accrued restructuring liabilities were included in accrued expenses an","filed_date":"2025-10-28","accession":"0001633917-25-000196","full_text":"https://origin.rootz.global/static/filing/0001633917-25-000196.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"PYPL","company":"PayPal Holdings, Inc.","exchange":"Nasdaq","sector":"Services-Business Services, NEC","signal_type":"ai_adoption","strength":100,"match_count":13,"context":"n unpaid balance of $14.8 billion and had net proceeds of $14.7 billion, from loans and interest receivable sold.  LOANS AND INTEREST RECEIVABLE, NET Consumer receivables  We offer revolving and installment credit products as a funding option for consumers in certain checkout transactions on our payments platform. Our revolving credit product consists of PayPal Credit in the United Kingdom (U.K.), wh","filed_date":"2025-10-28","accession":"0001633917-25-000196","full_text":"https://origin.rootz.global/static/filing/0001633917-25-000196.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"PYPL","company":"PayPal Holdings, Inc.","exchange":"Nasdaq","sector":"Services-Business Services, NEC","signal_type":"risk_factor","strength":100,"match_count":21,"context":"ges claimed, as well as the potential impact of non-monetary remedies sought by plaintiffs (e.g., injunctive relief) that may require us to change our business practices in a manner that could have a material adverse impact on our business. With respect to the matters disclosed in this Note 13, we are unable to estimate the possible loss or range of losses that could potentially result from the application of such non-m","filed_date":"2025-10-28","accession":"0001633917-25-000196","full_text":"https://origin.rootz.global/static/filing/0001633917-25-000196.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"PYPL","company":"PayPal Holdings, Inc.","exchange":"Nasdaq","sector":"Services-Business Services, NEC","signal_type":"risk_factor","strength":100,"match_count":36,"context":"ompensation riskassessment |  |  |  |  We conduct an annual compensation risk assessment to evaluate whether our executive compensation program presents any risks that are reasonably likely to have a material adverse effect on PayPal. | | |  |  | |  Clawback policies |  |  |  |  In addition to our mandatory recovery policy adopted in compliance with Exchange Act Rule10D-1 and the Nasdaq listing standards regarding recov","filed_date":"2025-04-21","accession":"0001193125-25-087307","full_text":"https://origin.rootz.global/static/filing/0001193125-25-087307.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"PYPL","company":"PayPal Holdings, Inc.","exchange":"Nasdaq","sector":"Services-Business Services, NEC","signal_type":"strategic_event","strength":100,"match_count":18,"context":"act Strategy |  |  |  41 |  | | |  | |  Stock Ownership Information |  |  |  43 |  | | |  | |  Information About Our Executive Officers |  |  |  45 |  | | |  | |  PROPOSAL 2: Advisory Vote to Approve Named Executive Officer Compensation (say-on-pay vote) |  |  |  47 |  | | |  | |  Compensation Discussion and Analysis |  |  |  48 |  | | |  | |  Named Executive Officers |  |  |  48 |  | | |  | |  Executive Summary |  |  |","filed_date":"2025-04-21","accession":"0001193125-25-087307","full_text":"https://origin.rootz.global/static/filing/0001193125-25-087307.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"PYPL","company":"PayPal Holdings, Inc.","exchange":"Nasdaq","sector":"Services-Business Services, NEC","signal_type":"ai_adoption","strength":80,"match_count":10,"context":"l be distributed if the directors service on the Board terminates prior to the specified year). Our non-employee directors can elect to receive their distributions as either a lump sum or annual installments over a period ranging from two to 15 years.  Director Stock Ownership Guidelines  Our non-employee directors are subject to rigorous stock ownership guidelines. Each non-employee director is requ","filed_date":"2025-04-21","accession":"0001193125-25-087307","full_text":"https://origin.rootz.global/static/filing/0001193125-25-087307.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"PYPL","company":"PayPal Holdings, Inc.","exchange":"Nasdaq","sector":"Services-Business Services, NEC","signal_type":"strategic_event","strength":67,"match_count":4,"context":"1,072 | | | Stock-based compensation | 1,002 | 1,230 | 1,475 | | | Deferred income taxes | 217 | 231 | (668) | | | | | Net (gains) losses on strategic investments | (162) | 285 | (201) | | | Gain on divestiture of business, excluding transaction costs | | | (356) | | | Accretion of discounts on investments, net of amortization of premiums | (83) | (335) | (367) | | | Adjustments to loans and interest receivabl","filed_date":"2026-02-03","accession":"0001633917-26-000024","full_text":"https://origin.rootz.global/static/filing/0001633917-26-000024.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"PYPL","company":"PayPal Holdings, Inc.","exchange":"Nasdaq","sector":"Services-Business Services, NEC","signal_type":"platform_shift","strength":24,"match_count":3,"context":"en platform.1 Now, we are building on that foundation to create the next-generation commerce platform. With our scale, ubiquity, and data as key advantages, we are accelerating innovation and seizing new market opportunities. A year ago, we made a strategic decision to narrow our focus, enhance execution, and reposition the business. I am proud of the progress the team made in 2024 and our return to profita","filed_date":"2025-04-21","accession":"0001193125-25-087307","full_text":"https://origin.rootz.global/static/filing/0001193125-25-087307.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"PYPL","company":"PayPal Holdings, Inc.","exchange":"Nasdaq","sector":"Services-Business Services, NEC","signal_type":"strategic_event","strength":23,"match_count":1,"context":"4771c4d7374f97b59f7451b1dc7d3f_7) PayPal Holdings, Inc. NOTES TO CONDENSED CONSOLIDATED FINANCIAL STATEMENTS (continued) (Unaudited)  INDEMNIFICATION PROVISIONS Our agreements with eBay governing our separation from eBay provide for specific indemnity and liability obligations for both eBay and us. Disputes between eBay and us have arisen and others may arise in the future, and an adverse outcome in such matters","filed_date":"2025-10-28","accession":"0001633917-25-000196","full_text":"https://origin.rootz.global/static/filing/0001633917-25-000196.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"PYPL","company":"PayPal Holdings, Inc.","exchange":"Nasdaq","sector":"Services-Business Services, NEC","signal_type":"margin_pressure","strength":16,"match_count":2,"context":"other general corporate purposes; limits on our ability to obtain additional financing for such purposes; and the reduction of our flexibility in planning for or reacting to changes in our business, competitive pressures and market conditions. Our revolving credit facilities and the indentures for our senior unsecured notes pursuant to which certain of our outstanding debt securities were issued contain financial an","filed_date":"2026-02-03","accession":"0001633917-26-000024","full_text":"https://origin.rootz.global/static/filing/0001633917-26-000024.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"PYPL","company":"PayPal Holdings, Inc.","exchange":"Nasdaq","sector":"Services-Business Services, NEC","signal_type":"growth_inflection","strength":16,"match_count":2,"context":"|  | |  Suzan Kereere |  |  Successfully oversaw a transformation of the Global Markets organization to deliver customer-backat global scale Led a transformation in market-based planning, leading to accelerating growth and development across priority clusters and markets and enabling accelerated adoption of new experiences | | |  | |  Diego Scotti |  |  Established clear strategic growth objectives for PayPal and V","filed_date":"2025-04-21","accession":"0001193125-25-087307","full_text":"https://origin.rootz.global/static/filing/0001193125-25-087307.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"PYPL","company":"PayPal Holdings, Inc.","exchange":"Nasdaq","sector":"Services-Business Services, NEC","signal_type":"platform_shift","strength":13,"match_count":1,"context":"versight, and enforcement, and it may be difficult to predict how these may be applied to our business and the way we conduct our operations. As we introduce new products and services and expand into new markets and support new industries and merchants, including through acquisitions, we expect to become subject to additional regulations, restrictions, and licensing requirements. As we expand and localize o","filed_date":"2026-02-03","accession":"0001633917-26-000024","full_text":"https://origin.rootz.global/static/filing/0001633917-26-000024.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"PYPL","company":"PayPal Holdings, Inc.","exchange":"Nasdaq","sector":"Services-Business Services, NEC","signal_type":"platform_shift","strength":13,"match_count":1,"context":"versight, and enforcement, and it can be difficult to predict how these may be applied to our business and the way we conduct our operations. As we introduce new products and services and expand into new markets, including through acquisitions, we expect to become subject to additional regulations, restrictions, and licensing requirements. As we expand and localize our international activities, we expect th","filed_date":"2025-10-28","accession":"0001633917-25-000196","full_text":"https://origin.rootz.global/static/filing/0001633917-25-000196.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"PYPL","company":"PayPal Holdings, Inc.","exchange":"Nasdaq","sector":"Services-Business Services, NEC","signal_type":"strategic_event","strength":8,"match_count":1,"context":"cember 31, 2025 filed with the Securities and Exchange Commission on February 3, 2026. There is no arrangement or understanding between Ms. Henry and any other persons pursuant to which Ms. Henry was appointed as a director. Furthermore, there are no transactions in which the Company was a participant and in which Ms. Henry (or any immediate family member thereof) had an interest that would be required to be reported un","filed_date":"2026-03-25","accession":"0001633917-26-000059","full_text":"https://origin.rootz.global/static/filing/0001633917-26-000059.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"PYPL","company":"PayPal Holdings, Inc.","exchange":"Nasdaq","sector":"Services-Business Services, NEC","signal_type":"growth_inflection","strength":8,"match_count":1,"context":"igital payments, and our ability to innovate and introduce new products, services, and features that consumers and merchants value.Our strategy to drive growth in our business includes the following: Accelerating growth in our branded checkout business: by improving our user experience, including by reducing friction and enhancing rewards, we will drive consumer selection and increase conversion rates for merchants.","filed_date":"2026-02-03","accession":"0001633917-26-000024","full_text":"https://origin.rootz.global/static/filing/0001633917-26-000024.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"PYPL","company":"PayPal Holdings, Inc.","exchange":"Nasdaq","sector":"Services-Business Services, NEC","signal_type":"margin_pressure","strength":8,"match_count":1,"context":"dit markets, extreme volatility or distress in the financial markets (including the fixed income, credit, currency, equity, and commodity markets), unemployment, consumer debt levels, recessionary or inflationary pressures, supply chain issues, reduced consumer confidence or economic activity, government fiscal, monetary and tax policies, U.S. and international trade relationships, agreements, treaties, changes in or","filed_date":"2025-10-28","accession":"0001633917-25-000196","full_text":"https://origin.rootz.global/static/filing/0001633917-25-000196.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"PYPL","company":"PayPal Holdings, Inc.","exchange":"Nasdaq","sector":"Services-Business Services, NEC","signal_type":"strategic_event","strength":8,"match_count":1,"context":"p down as Chief Product Officer at the end of 2022. Mr. Brittos intended departure was in connection with an internal management restructuring. On September 8, 2022, the Company announced that it had appointed John Kim to serve as Chief Product Officer, effective September 26, 2022. Upon Mr. Kims appointment, Mr. Britto ceased to be an executive officer of the Company. Mr. Britto is now expected to remain employed by the Company unt","filed_date":"2023-02-16","accession":"0001633917-23-000038","full_text":"https://origin.rootz.global/static/filing/0001633917-23-000038.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."}],"origin":{"leaf":"252b2f6d6c0ec3b4df83282d53c6dfba5fe2da636b2824f1170d0c903b9fd43a","parent":null,"timestamp":"2026-06-21T06:47:38.677Z","source":"signal_search","chain":"SEC.gov PEM > origin.rootz.global extraction > this response","registry":"origin.rootz.global","verify":"Hash this response content + parent + timestamp to reproduce the leaf hash","keep_alive":"To continue the chain, include this leaf as your parent when you cite this data"},"_skill":{"_agent_instructions":{"READ_THIS_FIRST":"This data carries a provenance chain but is UNVERIFIED until you validate it with Origin. 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