Executive VP and Chief Financial & Operating Officer, Paypal
Search every verified Jamie Miller interview, podcast appearance, and on-the-record quote — each transcript cross-checked by AI and human review to confirm speaker identity. Jamie Miller, Executive Vice President and Chief Financial and Operating Officer at PayPal, participated in the company's Q3 2025 and Q1 2026 earnings calls. During the Q3 2025 call, Miller stated that the company was initiating a dividend as part of a disciplined capital allocation strategy, calculated based on a 10% payout ratio relative to net income. She also noted that investments in agentic commerce and product initiatives would be a near-term headwind to transaction margin dollar and earnings growth in 2026, but said the company was putting dollars behind advancing these initiatives to win those markets. Miller described three significant generational shifts the company sees: a shift to digital wallets, a shift to buy now pay later, and a shift towards agentic commerce, and said PayPal would invest to win these markets even if it leads to near-term headwinds. On the Q1 2026 call, Miller said the company expected to see at least $1.5 billion of gross run rate savings over the next two to three years, driven by organizational realignment and accelerating AI adoption across operations. She stated that PayPal was aggressively deploying AI to redesign key processes, particularly in customer support and technology development, to reduce costs while improving the customer experience. Miller also said the company was reorganizing into three distinct businesses—Checkout Solutions, Consumer Financial Services, and Payment Services—to eliminate duplication, clarify accountability, and accelerate decision-making. She added that the company's intent was not to chase transitory share in any given quarter, but to focus on segments and verticals where it could deliver differentiated value.
“We are initiating a dividend. Our overall capital allocation priorities remain the same. We will continue investing first and foremost in our business's growth and transformation. We see this dividend as strengthening our overall capital return program, working in conjunction with our ongoing share buybacks.”
“We are raising our full-year non-GAAP earnings per share guidance to a range of $5.35 to $5.39, growing at 15 to 16%. For the full year, we are raising our TM dollar guidance by $100 at the low end and $50 at the high end to a range of 15.45 to 15.55 billion dollars, which represents 5 to 6% growth.”
“We are going to invest appropriately. Those investments may very well lead to some near-term headwinds in how fast TM and earnings grow in 26. We'll come back with more details as we think through that but again our goal is to win these markets and set ourselves up for faster durable growth in the future across all of...”
“The board has appointed Enrique Lorez, who was most recently our board chair, as the next president and CEO of PayPal effective March 1st to accelerate execution and bring greater discipline to how we implement our strategic priorities as we enter our next phase of growth.”
... especially as we report our second quarter results in late July thank you thank you this concludes today's conference call thank ...
05/05/2026 Q&A: 30:34 PayPal Holdings, Inc. operates a technology platform that enables digital payments for merchants and consumers worldwide. The company operates a two-sided network at scale that connects merchants and consumers that enables its customers to connect, transact, and send and receive payments through online and in person, as well as transfer and withdraw funds using various funding sources, such as bank accounts, PayPal or Venmo account balance, consumer credit and debit products, credit and debit cards, and cryptocurrencies, as well as other stored value products, including g…
... narrow the range of outcomes and branded I know you talk talked about Venmo and PSP profitability can PayPal grow earnings ...
--------- PayPal Holdings PYPL Q3 2025 Earnings Call --------- In this video, we’ll cover the latest quarterly earnings results, key financial metrics, and business highlights from the most recent reporting period. 🔔 Don’t forget to subscribe and follow us on X for more updates: https://x.com/Fyfull2 Disclaimer: This video includes segments from official corporate earnings calls and presentations, used for educational and informational purposes under fair use (Section 107, U.S. Copyright Act). No affiliation or endorsement by the companies mentioned is implied. All content rights remain wi…
10/28/2025 Q&A: 35:59 PayPal Holdings, Inc. operates a technology platform that enables digital payments for merchants and ...
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07/29/2025 Q&A: 37:39 PayPal Holdings, Inc. operates a technology platform that enables digital payments for merchants and consumers worldwide. It operates a two-sided network at scale that connects merchants and consumers that enables its customers to connect, transact, and send and receive payments through online and in person, as well as transfer and withdraw funds using various funding sources, such as bank accounts, PayPal or Venmo account balance, consumer credit products, credit and debit cards, and cryptocurrencies, as well as other stored value products, including gift cards and eligi…
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