Quick Facts
PayPal has raised its full-year earnings guidance after announcing a strategic partnership with OpenAI that integrates its wallet directly into ChatGPT.
The revised forecast projects adjusted earnings per share between US$5.35 and US$5.39, up from the earlier range of US$5.15 to US$5.30.
The integration allows ChatGPT users to complete purchases using PayPal’s payment infrastructure, positioning the company at the forefront of AI-driven commerce.
PayPal’s total payment volume for the quarter grew about 7–8% year over year, reaching roughly US$458 billion.
The company also declared its first-ever dividend of US$0.14 per share, signaling growing confidence in profitability and long-term cash flow.
Management emphasized that the OpenAI deal aligns with PayPal’s strategy to lead in “agentic commerce,” where AI interfaces automate and personalize the shopping process.
Despite the upbeat earnings and partnership, PayPal acknowledged cautious consumer spending patterns amid macroeconomic pressures.
The company’s shares rose following the announcement as investors responded positively to its AI expansion and stronger financial outlook.