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    SHOP
    Earnings call· Sep 2025(Q3 FY25)

    SHOPIFY INC. SHOP

    Nov 4, 2025 Source

    Executive summary

    Shopify Q3 FY25 — Strong Growth and Profitability Driven by AI and International Expansion

    Shopify delivered another strong quarter, demonstrating consistent growth and profitability driven by strategic investments in AI and international expansion. The company is actively positioning itself at the forefront of agentic commerce, leveraging its vast data and platform capabilities. Despite some margin pressures and MRR comparability headwinds, Shopify's focus on merchant success and disciplined execution continues to yield durable results, attracting major brands and expanding its market reach globally.

    Highlights

    5
    • GMV grew 32% year-over-year to $92 billion, the highest growth rate since 2021.

    • Revenue increased 32% year-over-year, exceeding expectations.

    • Free cash flow margin reached 18% in Q3, maintaining consistency with prior quarters.

    • International GMV grew 41% year-over-year, with Europe's market share gaining and revenue accounting for 21% of overall revenue.

    • Offline GMV increased 31% and B2B GMV nearly doubled, up 98% year-over-year.

    Concerns

    3
    • Overall Q3 gross margin decreased to 48.9% from 51.7% in the prior year, primarily due to mix shift to Merchant Solutions.

    • Transaction and loan losses represented 5% of revenue, an uptick above historical trend line due to higher Payments losses and increased capital losses.

    • MRR year-over-year growth rates were impacted by headwinds from a tougher comparison due to prior year's 1-month paid trial and the lapping of Plus pricing changes.

    Guidance & targets

    6
    CategoryTargetConfidence
    Q4 FY25 Revenue Growth
    mid to high 20s year-over-year
    high materiality
    High
    Q4 FY25 Gross Profit Dollars Growth
    low to mid-20s
    medium materiality
    High
    Q4 FY25 Operating Expenses as % of Revenue
    30% to 31%
    medium materiality
    High
    Q4 FY25 Stock-Based Compensation
    $130 million
    low materiality
    High
    Q4 FY25 Free Cash Flow Margin
    slightly above Q3
    high materiality
    Medium
    FY25 Free Cash Flow Margin
    similar to 2024
    high materiality
    High

    Segment performance

    4
    SegmentRevenueYoYQoQMargin
    Europe
    Continued to be a standout driving significant growth. Revenue share is up from less than 18% two years ago. Payments penetration gains in Q3 were more than 50% higher than a year ago.
    GMV growth (constant currency): 42%
    21% of overall revenue49%
    International (outside North America)
    Strong momentum, still scratching the surface. Expanded Shopify Payments for POS to 3 additional countries, rolled out Tap to Pay in 7 more, launched Shopify Capital in Ireland and Spain, and expanded Shop App features in 6 new markets.
    GMV growth: 41%GMV growth (constant currency): Approximately half of GMV dollar growth in Q3
    41%
    Offline
    Attracting more retail-first brands globally, with iconic names like UGG Australia and Comme des Garçons choosing Shopify.
    31%
    B2B
    Nearly doubled GMV again in Q3, fueled by existing merchants and go-to-market initiatives. Seeing broad GMV growth across new and established merchant cohorts and strong results across various verticals.
    Canada Q3 B2B GMV growth: 155%Home and Garden vertical GMV growth: 150%
    98%

    Operational metrics

    25
    Free cash flow margin
    18%
    Q3 FY25

    Consistent with prior quarters.

    Free cash flow margin
    16%same as last year
    YTD FY25

    For the first 9 months of the year.

    Gross profit growth
    24%
    Q3 FY25

    Slightly ahead of expectations due to revenue outperformance.

    Subscription Solutions gross profit growth
    14%
    Q3 FY25

    Slightly less than 15% revenue growth for Subscription Solutions.

    Subscription Solutions gross margin
    81.7%down slightly year-over-year
    Q3 FY25

    Almost exactly the same as last quarter and healthily above the multiyear trend line of 80%.

    Merchant Solutions gross profit growth
    33%
    Q3 FY25

    Strong growth.

    Merchant Solutions gross margin
    38.2%vs 39.7% in Q3 FY24
    Q3 FY25

    Decrease primarily driven by factors seen throughout the year. PayPal impact will become less of a headwind in Q4.

    Operating expenses as % of revenue
    37%vs 39% in Q3 FY24, 45% in Q3 FY23
    Q3 FY25

    Reduced from 45% in 2023 to 39% last year and further down to 37% this year, showing increased operating leverage.

    Transaction and loan losses as % of revenue
    5%uptick above historical trend line
    Q3 FY25

    Payments loss rate already turning back towards historical levels. Q4 capital losses trending below Q3 and year-to-date.

    Operating income
    $343 million
    Q3 FY25

    Represents 12% of revenue.

    Stock-based compensation
    $116 million
    Q3 FY25

    Reported for the quarter.

    Capital expenditures
    $6 million
    Q3 FY25

    Reported for the quarter.

    Cash and marketable securities balance
    $6 billion
    as of Nov 2, 2025

    Pro forma for the settlement of a convert due on November 2.

    AI-driven traffic to Shopify stores growth
    7xYoY
    since January

    Growth in traffic driven by AI.

    Orders attributed to AI searches growth
    11xYoY
    since January

    Growth in orders originating from AI searches.

    Sidekick shops using for the first time
    750,000
    Q3 FY25

    Rapid adoption of the AI assistant.

    Sidekick total conversations
    almost 100 million
    to date

    Cumulative conversations with merchants.

    Sidekick monthly conversations
    8 million
    October

    Conversations in a single month, indicating high engagement.

    Shop Pay GMV
    $29 billionup 67% year-over-year
    Q3 FY25

    Significant growth in GMV processed through Shop Pay.

    Shop Pay cumulative GMV
    over $280 billion
    to date

    Total GMV processed by Shop Pay since its inception.

    Shopify Payments penetration of GMV
    65%
    Q3 FY25

    Increased penetration driven by adoption, strong merchant performance, and expanded partnerships.

    Cross-border GMV as % of total GMV
    15%consistent with prior quarters
    Q3 FY25

    U.S. inbound and outbound demand (roughly half of 15%) remained relatively steady.

    Campaigns budget commitments growth
    9xyear-on-year
    Q3 FY25

    Increase in budget commitments from merchants for campaigns.

    Campaigns merchant adoption growth
    4xyear-on-year
    Q3 FY24 to Q3 FY25

    Growth in merchant adoption of campaigns.

    Headcount
    flat to downsequentially and year-over-year
    past 2 years

    Discipline on headcount has been key to increased operating leverage, with talent redeployed to highest-impact work.

    Industry KPIs

    4
    MetricValueDetails
    Headcount dsoroughly 8,100people
    Customer logo metricsEvery 26 secondsentrepreneur makes first sale
    GMV take rate payments$92 billionUSD
    Software recurring arr10%%

    Product announcements

    8
    ProductTypeDetails
    Shopify Payments for POSexpansion
    Tap to Payexpansion
    Shopify Capitalexpansion
    Shop App (Track with Shop and Translations)expansion
    Shop Pay Installmentsexpansion
    Global-e's managed markets products with Shop Payupdate
    Klarna partnershipupdate
    DHL Express DDP, DHL e-commerce DDP, Canada Post DDPlaunch

    Deals & partnerships

    11
    ChatGPT (OpenAI)Strategic partnership to power product discovery and in-chat shopping flows.

    Partnership announced to use Shopify's Catalog, Universal Cart, and Checkout Kit for agentic commerce.

    PerplexityPartnership to power product discovery for conversational AI agents.

    Shopify is partnered with Perplexity, a leader in conversational AI, to make Shopify the standard for product discovery across agents.

    Microsoft CopilotPartnership to enable in-chat shopping flows and easy integration of Shopify's checkout.

    Microsoft Copilot has partnered with Shopify to make in-chat shopping flows possible and easily plug into Shopify's platform.

    AmazonPartnership for multichannel fulfillment.

    Expanded merchant optionality across the stack for fulfillment by partnering with Amazon for multichannel fulfillment.

    Big BluePartnership for fulfillment flexibility.

    Expanded merchant optionality across the stack for fulfillment by partnering with Big Blue.

    DHL Fulfillment NetworkPartnership for fulfillment flexibility.

    Expanded merchant optionality across the stack for fulfillment by partnering with DHL Fulfillment Network.

    Go BoltPartnership for fulfillment flexibility.

    Expanded merchant optionality across the stack for fulfillment by partnering with Go Bolt.

    MaplePartnership for fulfillment flexibility.

    Expanded merchant optionality across the stack for fulfillment by partnering with Maple.

    Australia PostPartnership for carrier diversity.

    Partnered with Australia Post to give merchants more carrier diversity.

    Royal MailPartnership for carrier diversity.

    Partnered with Royal Mail to give merchants more carrier diversity.

    DHL Express CanadaPartnership for carrier diversity.

    Partnered with DHL Express Canada to give merchants more carrier diversity.

    Risks & headwinds

    6
    Gross margin compression due to mix shiftQ3 FY25

    Overall Q3 gross margin decreased to 48.9% from 51.7% in the prior year.

    Mitigation: Continued strength of Payments, which drives lower margins initially but acts as an on-ramp for other Merchant Solutions products.

    Elevated transaction and loan lossesQ3 FY25 and Q4 FY25

    Transaction and loan losses represented 5% of revenue, an uptick above historical trend line.

    Mitigation: Payments loss rate is already turning back towards historical levels due to recent changes; Q4 capital losses trending below Q3 and year-to-date.

    MRR comparability headwindsuntil Q2 of next year (FY26)

    MRR year-over-year growth rates impacted by prior year's 1-month paid trial and lapping of Plus pricing changes.

    Mitigation: Full quarter back on 3-month trials clears noise; merchant acquisition efforts are settling in line with historical trends.

    High benchmark from prior year's Q4Q4 FY25

    Q4 FY24 was the highest-growth quarter in FY24.

    Mitigation: Factored into Q4 revenue growth guidance of mid to high 20s year-over-year.

    Impact of expanded PayPal partnership on revenue growth rateQ4 FY25

    Benefited last year's Q4 revenue growth rate.

    Mitigation: Will lap the expanded partnership in Q4, factored into guidance.

    Tax receivables negatively impacting net working capitalQ4 FY25

    Expected to negatively impact Q4 net working capital.

    Mitigation: Timing is outside of Shopify's control, but factored into Q4 free cash flow margin outlook.

    What to watch in Q4 FY25

    5

    AI-driven traffic and orders growth

    next quarter
    CurrentTraffic up 7x, orders up 11x since January
    TargetContinued strong growth and contribution from agentic commerce

    Why it matters

    AI is a major strategic focus and potential growth driver; its monetization and impact on GMV/revenue are critical to the investment thesis.

    since January, we've seen AI-driven traffic to Shopify stores up like 7x. And we've actually seen orders attributed to AI searches up like 11x since that.

    Q&A highlights

    6

    What are the initial observations from the OpenAI integration, expected incremental contribution from AI channels, and expectations for volumes originating through AI platforms?

    AI-driven traffic to Shopify stores is up 7x and orders attributed to AI searches are up 11x since January. Shopify is laying the rails for agentic commerce through deep connections with AI agents and partnerships with leaders like OpenAI and Perplexity. The business model aligns with merchant success, monetizing through GMV and Payments as merchants sell more via these new channels.

    since January, we've seen AI-driven traffic to Shopify stores up like 7x. And we've actually seen orders attributed to AI searches up like 11x since that.

    asked by Colin Sebastian · answered by Harley Finkelstein

    3 min read7 chapters

    Detailed Narrative

    01

    AI Integration and Agentic Commerce Strategy

    Shopify is deeply integrating AI across its platform, focusing on enabling agentic commerce, empowering merchants to operate smarter, and improving internal product development. The company has introduced 'Commerce for Agents' tools like Catalog, Universal Cart, and Checkout Kit to facilitate conversational shopping experiences. Partnerships with leading AI platforms such as ChatGPT and Microsoft Copilot are key to powering product discovery and seamless in-chat shopping flows, with AI-driven traffic to Shopify stores up 7x and orders up 11x since January.

    02

    Sidekick Adoption and Impact

    Sidekick, Shopify's on-platform intelligent assistant, has seen rapid adoption, with over 750,000 shops using it for the first time in Q3. It has facilitated almost 100 million conversations with merchants to date, with 8 million in October alone. Sidekick is becoming a default tool for merchants, handling tasks from analytics to SEO, demonstrating the company's commitment to building purpose-built, deeply integrated AI solutions that drive merchant autonomy and efficiency.

    03

    Payments and Checkout Leadership

    Shopify Payments continues to drive growth, achieving 65% penetration of GMV in Q3. Shop Pay experienced significant growth, up 67% year-over-year to $29 billion processed this quarter. The company emphasizes its ability to manage the complexity of checkout at scale, handling taxes, shipping, inventory, pricing, and various payment methods globally. This capability is seen as a key differentiator, simplifying commerce for merchants and partners like Microsoft Copilot.

    04

    International Expansion Momentum

    International GMV grew 41% in Q3, building on strong prior quarters, with Europe's market share gaining significantly. Revenue from Europe now accounts for 21% of overall revenue, up from less than 18% two years ago. Shopify is expanding its international offerings, including launching Shopify Payments for POS in 3 new countries, Tap to Pay in 7 more, and Shopify Capital in Ireland and Spain. These efforts aim to break down barriers for merchants and drive greater payment penetration globally.

    05

    Enterprise and Merchant Diversity

    Shopify is increasingly attracting large enterprise brands, with recent signings including Estee Lauder Companies, e.l.f Cosmetics, TWINSET, Welch's, and FanDuel. These brands are choosing Shopify for its technology, scalability, and price-to-value ratio, seeking to unify channels and future-proof their operations. The growing diversity of merchants, from entrepreneurs to enterprises and across various verticals and geographies, enhances Shopify's resilience and expands its addressable market.

    06

    Offline and B2B Growth

    Offline GMV increased 31% in Q3, with retail-first brands like UGG Australia and Comme des Garçons adopting Shopify for unified commerce solutions. B2B GMV nearly doubled, growing 98% year-over-year, driven by both new and established merchant cohorts across various verticals, such as home and garden, which saw 150% GMV growth. This indicates strong performance across diverse merchant types and channels.

    07

    Marketing and Merchant Acquisition

    Shopify maintains a flexible marketing strategy, investing in areas that drive merchant adoption and growth across verticals, industries, and geographies, particularly in Europe. The company emphasizes tight guardrails to ensure appropriate returns on marketing spend. Despite some comparability noise in MRR due to trial changes, the merchant acquisition engine is performing well, with sequential growth in the Standard plan segment.

    AI-generated summary of the company’s earnings call. Not investment advice.