PayPal Holdings (PYPL) risk factors: FY2025 10-K

1. Cyberattacks and security vulnerabilities could result in serious harm to our reputation, business, and financial condition.Cybersecurity
2. Business interruptions or systems failures may impair the availability of our websites, applications, products or services, or otherwise harm our business.
3. If we cannot keep pace with rapid technological developments to provide new and innovative products and services, the use of our products and services and, consequently, our revenues, could decline.

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1. Our business is subject to extensive government regulation and oversight. Our failure to comply with extensive, complex, overlapping, and frequently changing rules, regulations, and legal interpretations could materially harm our business.

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1. Anti-Money Laundering and Counter-Terrorist Financing; Economic and Trade Sanctions
2. Privacy and Protection of Customer Data

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1. We are subject to regulatory scrutiny and may be subject to legal proceedings under antitrust and competition laws.
2. We are regularly subject to general litigation, regulatory scrutiny, and government inquiries.
3. Third parties may allege that we are infringing their patents and other intellectual property rights.
4. We may be unable to protect or enforce our intellectual property.

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1. We face substantial and increasingly intense competition worldwide in the global payments industry.
2. Changes to payment card networks or bank fees, rules, or practices could harm our business.
3. Changes in how consumers fund their PayPal transactions could harm our business.
4. Our credit products expose us to additional risks.
5. We rely on third parties in many aspects of our business, which creates additional risk.
6. Any factors that reduce cross-border trade or make such trade more difficult could harm our business.
7. Failure to deal effectively with fraud, abusive behaviors, bad transactions, and negative customer experiences may increase our loss rate and could severely diminish merchant and consumer confidence in and use of our services and negatively impact our business.reworded
8. Use of our payments services for illegal activities or improper purposes could harm our business.
9. Acquisitions, dispositions, strategic investments, and other strategic transactions could result in operating difficulties and could harm our business.
10. Our international operations subject us to increased risks, which could harm our business.
11. Global and regional economic conditions could harm our business.
12. If our reputation or our brands are damaged, our business and operating results may be harmed.
13. Real or perceived inaccuracies in our key metrics may harm our reputation and negatively affect our business.
14. Evolving laws, regulations and stakeholder expectations with respect to environmental, social and governance matters could harm our reputation and adversely affect our business.new
15. If one or more of our counterparty financial institutions default on their financial or performance obligations to us or fail, we may incur significant losses.
16. If we are unable, or perceived as unable, to effectively manage customer funds, our business could be harmed.
17. There are risks associated with our indebtedness.
18. Changes in tax laws, exposure to unanticipated additional tax liabilities, or implementation of reporting or record-keeping obligations could have a material adverse effect on our business.
19. We may be unable to attract, retain, and develop the highly skilled employees we need to support our business.
20. We are subject to risks associated with information disseminated through our products and services.
21. There can be no assurance that we will continue to repurchase stock or declare cash dividends, and stock repurchases or dividends could increase the volatility of our stock price and could diminish our cash reserves.new

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Headings in the FY2024 10-K with no match this year.

1. Environmental, social and governance (“ESG”) issues may have an adverse effect on our business, financial condition and results of operations and damage our reputation.