PayPal Holdings (NasdaqGS:PYPL) 2025 Conference December 03, 2025 10:15 AM ET Company ParticipantsJamie Miller - CFOConference Call ParticipantsTim Chiodo - AnalystTim ChiodoAll right. Good morning, everyone. I'm Tim Chiodo. I'm the lead payments processor and fintech analyst here at UBS. We're very fortunate here to be having the team from PayPal with us in Arizona. Joining us on stage, we have Jamie Miller, the CFO. And also here, we have Ryan Wallace from the investor relations team. Thank you to Ryan an ...