Core Insights - PayPal has experienced a significant pullback since the beginning of the year, indicating a challenging market environment for growth stocks [1] - Management has indicated a deceleration in growth for 2025, with unbranded processing expected to undergo a reset year [1] Company Overview - PayPal is categorized as a growth stock, but it faces headwinds that may impact its performance in the near term [1] - The company is under scrutiny from investors due to the anticipated slowdown in growth and the reset in unbranded processing [1] Analyst Perspective - The analysis emphasizes the importance of identifying undervalued companies with strong balance sheets and management teams, particularly in sectors with long-term growth potential [1] - The investment strategy combines growth-oriented principles with strict valuation criteria to enhance the margin of safety for investors [1]

Core Viewpoint - A bipartisan bill has been introduced to impose a 10% maximum limit on credit card interest rates, which could significantly impact the finance and retail sectors, creating both winners and losers in the market [1][2]. Group 1: Legislative Impact - The proposed legislation aims to address the disparity between the federal interest rate of 4.25% and the current average credit card interest rate of 23.8%, which has nearly doubled over the past decade [2]. - If passed, the cap on credit card interest rates could lead to tighter credit and lending standards from banks, potentially excluding many consumers from obtaining credit cards [3][4]. Group 2: Beneficiaries - PayPal is positioned to benefit from the potential cap as it does not rely solely on credit scores for creditworthiness, using various metrics to assess borrowers [4]. - PayPal's Working Capital service allows businesses to secure loans based on their sales transactions, which could attract underbanked consumers who may not qualify for traditional credit cards [3][4][6]. - Visa, as a payment network, would continue to generate revenue from transaction fees regardless of interest rate changes, and a lower interest rate could encourage consumers to spend more [8][9]. Group 3: Company Performance - PayPal reported that merchants typically see a 36% increase in PayPal volume after adopting its Working Capital service, indicating strong growth potential in this area [7]. - Visa's Q1 2025 revenue grew 10% year-over-year to $9.5 billion, with a 9% increase in payments volume and a 16% rise in cross-border volume, demonstrating robust performance [10]. - Walmart, as the largest retailer, stands to gain from increased consumer spending due to lower interest rates, with grocery sales accounting for 59.8% of total revenues in 2024, up 19.5% year-over-year [12][13].

PayPal Holdings, Inc. (NASDAQ:PYPL) Bank of America Securities 2025: Electronic Payments Symposium Conference March 18, 2025 9:50 AM ET Company Participants Frank Keller - EVP, General Manager, Large Enterprise & Merchant Platform Conference Call Participants Jason Kupferberg - Bank of America Jason Kupferberg All right. We're ready for our next session here, and we are very excited to have Frank Keller from PayPal with us. He's General Manager of the large enterprise business. So Frank, we appreciate your ...

PayPal (PYPL 1.01%) was one of the biggest winners of the pandemic years, as hundreds of millions of people were forced to shop online for goods and services, and to send money to friends and family without any physical contact. PayPal's business surged, and so did its stock price, reaching an all-time high of about $309 per share in July 2025.Almost four years later, the stock trades for about $67 as of this writing. And to be fair, if you compare the numbers from 2021 and today, it's easy to see why.Looki ...

In my view, one of the best opportunities on the market today is none other than payment processing giant PayPal Holdings (NASDAQ: PYPL ). In my last article about the company, which was published inCrude Value Insights offers you an investing service and community focused on oil and natural gas. We focus on cash flow and the companies that generate it, leading to value and growth prospects with real potential.Subscribers get to use a 50+ stock model account, in-depth cash flow analyses of E&P firms, and li ...

Investors interested in stocks from the Financial Transaction Services sector have probably already heard of Paypal (PYPL) and MasterCard (MA) . But which of these two companies is the best option for those looking for undervalued stocks? Let's take a closer look.There are plenty of strategies for discovering value stocks, but we have found that pairing a strong Zacks Rank with an impressive grade in the Value category of our Style Scores system produces the best returns. The proven Zacks Rank emphasizes co ...

Core Viewpoint - PayPal's stock has declined by 20% year-to-date due to market panic stemming from the tariff war between the U.S. and its largest trade partners, which has increased uncertainty in the market [1] Company Summary - PayPal (NASDAQ: PYPL) is experiencing significant stock price volatility, reflecting broader market concerns related to trade tensions [1] Industry Summary - The ongoing tariff war between the U.S. and its major trading partners is contributing to increased market uncertainty, impacting companies like PayPal [1]

Which of these fintech leaders is a better buy right now?PayPal (PYPL 0.94%) and Robinhood (HOOD 7.04%) are both well-known fintech stocks. PayPal owns one of the world's top digital payment platforms, the peer-to-peer payments app Venmo, and the backend payments provider Braintree. Robinhood provides free stock, options, and crypto trades on its namesake app.But over the past three years, PayPal's stock fell more than 25% as Robinhood's stock soared nearly 280%. Let's see why the smaller online brokerage o ...

SAN JOSE, Calif, March 10, 2025 /PRNewswire/ -- PayPal Holdings, Inc. (NASDAQ: PYPL) today announced that Joy Chik has joined the company's Board of Directors. Joy brings more than 26 years of corporate and board experience scaling products, services, and teams on a global level. Joy currently serves as the President of Identity and Network Access at Microsoft and is responsible for leading the company's multi-billion-dollar security business, Microsoft Entra. "PayPal is aiming to radically change commerce ...

Core Insights - PayPal Holdings has faced significant challenges, including increased competition and declining profits, resulting in a 77% drop from its peak stock price [1][4]. Company Developments - The new CEO, Alex Chriss, has initiated several changes aimed at turning the business around, with positive updates shared during a recent investor meeting [2][6]. - PayPal processes $1.7 trillion in total payment volume annually and has 434 million active accounts, maintaining a strong position in the digital payments market [3]. Competitive Landscape - The company is under pressure from competitors like Apple, Alphabet, and Block, which have introduced user-friendly digital payment solutions, making it difficult for PayPal to adapt its legacy systems [4]. Financial Performance - PayPal's growth has been primarily driven by its unbranded checkout business, Braintree, which has negatively impacted margins. However, improvements were noted in the 2024 fourth quarter [5]. - The company expects transaction margin dollars to increase by 4% to 5% in 2025, with adjusted earnings per share (EPS) projected to rise by 8% at the midpoint [8]. Future Outlook - Chriss provided an optimistic outlook, forecasting high single-digit growth in transaction margin dollars through 2027 and low-teens growth in adjusted EPS. Long-term projections include at least 10% growth in transaction margin dollars and 20% in adjusted EPS [9]. - Despite the ambitious plans, the market has not reacted positively to the updates, indicating skepticism about the execution of these strategies [10]. Strategic Initiatives - PayPal is launching a new commerce framework called PayPal Open, designed to integrate with merchant systems and provide a more personalized and dynamic platform, moving away from a static, one-size-fits-all model [7].