Investor Presentaiton

Q2-23 Guidance Expense discipline driving 24%-26% non-GAAP earnings growth Net Revenue Growth (EXN) . Revenue: Growth of ~6.5%-7% at spot and ~7.5%-8% FXN ~7.5%-8% • Non-GAAP Operating Margin: ~22% Non-GAAP EPS Growth 24%-26% • Non-GAAP EPS $1.15-$1.17 Non-GAAP EPS: $1.15-$1.17, growing ~25% at the midpoint of the range ⚫ GAAP EPS: $0.81-$0.83, compared to ($0.29) in Q2-22 • Non-GAAP effective tax rate: 19%-20% Non-GAAP EPS is a non-GAAP financial measure. Please see the Supplemental Information for a reconciliation of this non-GAAP financial measure to the most directly comparable GAAP financial measure. PayPal ©2023 PayPal Holdings, Inc. Q1-23 Investor Update • 22

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