PayPal's stock fell 8% in after-hours trading following its fourth-quarter earnings report, as guidance for its first quarter and full-year outlook came in below analyst estimates. Fourth-quarter revenue of $8.03 billion rose 9% year-over-year and topped estimates, while adjusted EPS of $1.48 also beat expectations. The company is undergoing a transformation to drive future growth, including job cuts and new AI tools. PayPal's CEO said guidance reflects the time needed for new initiatives to scale and impact financials.