Last week we saw a plethora of important earnings results and increased market volatility. This wee should be another busy one with a lot of important companies due to report. This week we have Amazon (AMZN), Palantir (PLTR), Advanced Micro Devices (AMD), Alphabet (GOOGL), PayPal (PYPL), Pfizer (PFE), Uber Technologies (UBER), Disney (DIS) and Merck (MRK) all reporting in what shapes as a busy and pivotal week for stocks. Before a company reports earnings, implied volatility is usually high because the m ...

Core Viewpoint - PayPal Holdings Inc. is considered one of the most undervalued large-cap stocks currently, with analysts expressing mixed ratings and price targets reflecting cautious optimism for future growth despite competitive pressures [1][2]. Group 1: Analyst Ratings and Price Targets - Cantor Fitzgerald analyst Ramsey El-Assal initiated coverage of PayPal with a Neutral rating and a price target of $60, highlighting recent strategic initiatives that have improved the company's growth engine across its Branded, PSP, and Venmo units [1]. - Truist analyst Matthew Coad lowered the price target for PayPal from $66 to $58 while maintaining a Sell rating, anticipating solid Q4 earnings but cautioning about challenging year-over-year comparisons that may limit volume-related performance [2]. Group 2: Market Position and Future Outlook - PayPal operates a technology platform facilitating digital payments for merchants and consumers globally, leveraging a two-sided network that connects these two groups at scale [3]. - Despite long-term optimism for the FinTech sector through 2026, there are concerns that some management teams may provide conservative guidance for 2026 to reset market expectations [3].

登录新浪财经APP 搜索【信披】查看更多考评等级 （来源：吴说） 作者 | 吴说区块链 本周新闻 Top10 1. 币安将对 SAFU 基金 10 亿美元稳定币储备转换为比特币储备 link 1 月 29 日，币安宣布将对 SAFU 基金的资产结构进行调整，将原有 10 亿美元规模的稳定币储备逐步转 换为比特币储备，并计划在此声明发布后的 30 天内完成兑换。币安将对 SAFU 基金的资产规模进行定 期核查，如因比特币价格波动导致 SAFU 基金的市值低于 8 亿美元，币安将补充比特币使基金规模恢 复至 10 亿美元。 近期币安遭到中英文社区的批评，也有许多声音建议币安使用利润购买与建立比特币 储备以支持行业。 2. Tether 已成为主权国家和银行外最大黄金储备方，目前持有超 140 吨黄金 link Tether 已成为主权国家和银行外最大黄金储备方，目前持有超 140 吨黄金，价值约 240 亿美元，其储备 规模甚至超过了澳大利亚、沙特阿拉伯等许多国家的官方储备。除了作为其发行的黄金代币 Tether Gold (XAUT) 的 1:1 储备外，Tether 还将大量黄金作为其自身资产负债表的盈余储备 ...

Key Takeaways PYPL stock fell 23.3% in three months amid macro uncertainty, high competition and tariff-related volatility.PYPL is expanding beyond payments with a proposed bank, ads tools, links, and agentic commerce partnerships.Management flags slower growth as OpEx rises; basket sizes shrink and transactions fall when PSP is included.PayPal Holdings (PYPL) has seen its stock tumble 23.3% in the past three months, weighed down by macroeconomic uncertainty and heightened competition in the digital payment ...

Core Insights - Embedded finance is expected to grow significantly as various players integrate financial services into mobile applications, enhancing user experience and accessibility [1][2] Group 1: Embedded Finance Trends - Embedded finance will become a common aspect of daily life, with financial activities integrated into social media and other frequently used applications [2] - This integration allows brands to engage customers in their financial activities directly within the platforms they use [2][3] Group 2: Fintech Banking Charters - Several fintech companies, including Affirm Holdings, Checkout.com, Fiserv, PayPal Holdings, and Stripe, have pursued banking charters recently, indicating a trend towards fintechs becoming banks [4] - The process of obtaining a banking charter is selective, and not all companies will receive approval, as it depends on specific circumstances and regulatory considerations [5] Group 3: Agentic Finance - There is an anticipated increase in agentic finance, which will provide consumers with guidance on personal finance, including account management and financial product recommendations [6]

Core Viewpoint - PayPal is facing significant challenges in the digital payments industry, with its stock price declining nearly 24% over the past three months, reflecting cautious investor sentiment despite continued profitable growth and increased user engagement [1][2]. Company Performance - PayPal is set to announce its fourth-quarter 2025 earnings on February 3, with expectations of growth in both revenue and earnings driven by rising payment volumes, although the pace of growth may ease compared to earlier in the year [1][5]. - A key metric to monitor is transaction margin dollars, projected to be between $4.02 billion and $4.12 billion, indicating a 3.5% growth at the midpoint. Excluding interest earned on customer balances, this figure is expected to rise about 5%, down from the 7% growth seen earlier this year [6]. Competitive Landscape - The decline in PayPal's stock is attributed to increasing competition in the digital payments sector, with major players like Apple Pay, Shop Pay, and Stripe Link gaining traction, alongside the rise of buy-now-pay-later providers that are fragmenting the market [2]. Economic Context - Ongoing macroeconomic uncertainty is impacting consumer spending, contributing to cautious investor sentiment towards PayPal's stock [3]. Historical Trends - Historical trends indicate that caution may be warranted as PayPal shares have declined after three of the past four quarterly reports, including a 4.6% drop following its third-quarter results [4]. - Options market activity suggests traders expect a post-earnings move of about 7.3% in either direction for contracts expiring February 6, slightly above the stock's average swing of about 7.1% over the past four quarters [4].

Core Viewpoint - Analysts project that Paypal (PYPL) will report quarterly earnings of $1.29 per share, an increase of 8.4% year over year, with revenues expected to reach $8.77 billion, up 4.8% from the same quarter last year [1]. Earnings Projections - The consensus EPS estimate has been revised downward by 2% over the past 30 days, indicating a collective reassessment by analysts [2]. - Revisions to earnings projections are crucial for predicting investor behavior and are linked to short-term stock price performance [3]. Key Metrics Estimates - Analysts estimate 'Net Revenues- Revenues from other value added services' to be $835.17 million, reflecting a 7.4% increase year over year [5]. - 'Net Revenues- Transaction revenues' are forecasted to reach $7.93 billion, indicating a 4.5% year-over-year change [5]. - 'Total Payment Volume (TPV)' is expected to be $468.32 billion, compared to $437.84 billion reported in the same quarter last year [6]. - The consensus estimate for 'Transaction margin' is 46.3%, down from 47.0% a year ago [6]. - Analysts predict 'Active accounts' will reach 440, up from 434 in the same quarter last year [7]. - The expected 'Number of payment transactions' is 6,607, slightly down from 6,619 reported in the same quarter last year [7]. Market Performance - Shares of Paypal have decreased by 7.4% in the past month, contrasting with a 0.8% increase in the Zacks S&P 500 composite [7]. - With a Zacks Rank of 4 (Sell), PYPL is anticipated to underperform the overall market in the near future [7].

It's been a tough road for PayPal Holdings (NASDAQ: PYPL) over the past several years. The fintech giant surged during the stock market bubble that followed the COVID-19 pandemic, but the stock has seemingly only gone lower since then. PayPal has indeed had its share of challenges in an increasingly competitive fintech industry. And yes, cheap stocks can go lower. Nobody wants to catch the proverbial falling knife. Where to invest $1,000 right now? Our analyst team just revealed what they believe are the ...

Group 1 - PayPal Holdings Inc. is considered one of the best inexpensive stocks to buy currently, despite recent price target reductions by analysts [1] - Truist analyst Matthew Coad lowered the price target for PayPal to $58 from $66, maintaining a Sell rating, citing challenging year-over-year comparisons that may hinder significant volume exceedance [1] - Stephens also reduced its price target for PayPal to $65 from $75 while keeping an Equal Weight rating, indicating an expected improvement in market sentiment towards the Payment and IT Services sector in the coming year [2] Group 2 - Piper Sandler cut its price target for PayPal to $74 from $76 while maintaining a Neutral rating ahead of the company's quarterly results, indicating cautious optimism [3] - The fintech sector is anticipated to deliver solid quarterly results, although analysts warn of difficult volume comparisons impacting performance [1][3]

Core Insights - PayPal Holdings, Inc. has a market capitalization of $51.9 billion and operates a two-sided technology platform for digital payments, connecting merchants and consumers [1] Performance Overview - Over the past 52 weeks, PayPal's stock has decreased by 38.5%, while the S&P 500 Index has increased by 16.1% [2] - Year-to-date, PayPal shares are down 4.9%, compared to a 1.9% gain in the S&P 500 [2] - PayPal has also underperformed the State Street Financial Select Sector SPDR ETF, which returned 3.1% over the same period [3] Recent Developments - On October 28, PayPal's shares rose by 3.9% following the release of strong Q3 2025 results, reporting adjusted EPS of $1.34 and revenue of $8.42 billion, both exceeding expectations [4] - The company announced a partnership with OpenAI, allowing ChatGPT users to purchase products through its platform, which positively influenced investor sentiment [4] - PayPal raised its full-year adjusted EPS forecast to a range of $5.35 to $5.39 [4] Earnings Expectations - Analysts project PayPal's adjusted EPS to grow by 15.3% year-over-year to $5.36 for the fiscal year ending December 2025 [5] - PayPal has a history of earnings surprises, having beaten consensus estimates in the last four quarters [5] Analyst Ratings - Among 44 analysts covering PayPal, the consensus rating is a "Hold," with eight "Strong Buy," two "Moderate Buy," 29 "Hold," one "Moderate Sell," and four "Strong Sell" ratings [5] - The current analyst configuration is less bullish than three months ago, when there were 13 "Strong Buy" ratings [6] Price Targets - Susquehanna lowered its price target on PayPal to $90 while maintaining a "Positive" rating [7] - The mean price target of $72.72 indicates a 31% premium to current price levels, while the highest price target of $105 suggests an upside potential of 89.2% [7]