PayPal Holdings, Inc. (PYPL)

Payments platform, 23,800, 46% in the Americas. Read October 19, 2026 from the annual report for the period ending December 31, 2025, filed February 3, 2026. Ranked 4 of the 37 Financial Services companies read so far, by the share within reach now.

A payments company whose filing states one total by region and nothing by kind of work, so the whole workforce takes the payment processors' pattern.

The figures on this page come from the company's own annual report and from BLS staffing patterns for its industries, never from a roster. They are estimates with a stated method. Nothing here says what the company will do: within reach is not a forecast of jobs lost or of savings.

What follows from the reading

Share of working time within reach of AI, on the long-run pace at four in five: 40% now, 58% at the end of 2027, 66% at the end of 2028, 68% at the end of 2030. By the patterns, the work is about 68% desk work, 23% people work and 9% body work. These are the site's industry estimates weighted by the shares below: estimates with a stated method and range, not a forecast of what the company will do. By the same patterns, at the end of 2028 about 32% of the working time stays with people (conversation, in-person and hands-on work), 60% becomes checking a model's work and 6% could be handed over with lighter checks, from the industries' own figures, not the company's roles.

Headcount

23,800 employees as of December 31, 2025 (stated). The filing states 46% of employees in the Americas, 42% in Asia-Pacific and 12% in Europe and the Middle East, not a U.S. count.

The filing: “As of December 31, 2025, we employed approximately 23,800 people globally, with 46% in the Americas, 42% in Asia-Pacific, and 12% in Europe and the Middle East.”

The workforce as industry patterns

What the filing says about the workforce: About 23,800 employees as of December 31, 2025 (24,400 a year earlier, 30,900 in 2021); 46% in the Americas, 42% in Asia-Pacific, 12% in Europe and the Middle East.

Companies read with the same leading pattern

Other companies whose largest staffing pattern is also Credit Intermediation and Related Activities (5221 and 5223 only), largest first, each read from its own annual report. Within reach now and at the end of 2028, long-run pace, four in five.

• JPMorgan Chase (JPM, 318,512 employees)37% now, 68% by 2028
• Citigroup (C, 226,000 employees)38% now, 68% by 2028
• Bank of America (BAC, 213,000 employees)39% now, 67% by 2028
• Wells Fargo (WFC, 205,000 employees)39% now, 67% by 2028
• Capital One Financial Corporation (COF, 76,300 employees)40% now, 66% by 2028
• U.S. Bancorp (USB, 68,520 employees)40% now, 66% by 2028
• The PNC Financial Services Group, Inc. (PNC, 55,333 employees)40% now, 66% by 2028
• Mastercard Incorporated (MA, 39,800 employees)40% now, 66% by 2028

What the filing says about AI

18 sentences in the filing name AI. The filing names AI 18 times, as a technology it uses in fraud prevention, risk, products and customer service, and as a subject of regulation.

• “Expanding our value proposition for consumers and merchants to drive daily use : by providing consumers with simple, secure, and flexible ways to shop and move money across different markets, merchants, and platforms, including offering BNPL options, purchase protection programs, and simplifying their shopping experiences; by being technology and platform agnostic; and by expanding and launchin...”
• “We use AI and machine learning technologies in various aspects of our business, including fraud prevention, risk management, product optimization and customer service.”
• “Governments and regulators globally are increasingly focused on the oversight of AI technologies and have proposed or enacted laws aimed at ensuring transparency, fairness, and accountability.”
• “For example, the EU has adopted the Artificial Intelligence Act, which provides a comprehensive framework for regulating AI, and other jurisdictions are considering similar frameworks.”
• “Compliance with existing and emerging AI regulations may require operational changes, increased costs, or limit the use of AI in our business.”

Its annual reports, year by year

Sentences naming AI in each annual report, counted by one rule, beside the median report in the Index that year. Each count links its filing. Every company, by year and sector

• Fiscal 20212median 0
• Fiscal 20222median 0
• Fiscal 20232median 1
• Fiscal 202411median 4
• Fiscal 202518median 10

Headcount by filing year

As reported in each year's annual report, with the filing. A year marked not read had no figure the reading could take from the report's text.

Limits of this reading

• One pattern by description: the filing gives no count by kind of work.
• No U.S. share is stated.

Source: the company's annual report on EDGAR, accession 0001633917-26-000024, the filing. Read by Claude Fable 5.1 under rubric version 1, by the method. A company can write to info@stratussc.com to have its reading checked against its filing.