ICYMI: @PayPal's PYUSD supply on @ethereum reaches an all-time high of ~$1.5 billion, up ~5x YoY.Publicly listed companies are scaling on Ethereum. https://t.co/T3fUB6UBr9 ...

LATEST: ⚡ PayPal's PYUSD stablecoin has attracted over $135 million in deposits since being listed on SparkLend, with the payments giant now announcing it will work with Spark to grow PYUSD's liquidity to $1 billion. https://t.co/vz9yd7EaVc ...

Core Insights - Spark has onboarded PayPal's stablecoin, PYUSD, and aims to grow its liquidity to $1 billion within weeks, reflecting strong demand for PYUSD and the effectiveness of Spark's stablecoin framework [2][4]. Group 1: PYUSD and Spark's Strategy - PYUSD deposits on Spark's decentralized liquidity market, SparkLend, have surpassed $200 million, with plans to increase this to $1 billion shortly [2]. - Spark's approach includes creating a lending market for new stablecoins, integrating them into the Spark Liquidity Layer, and supporting on-chain liquidity through decentralized exchanges [3][4]. - The combination of lending infrastructure, liquidity injection, and incentive alignment is designed to scale new stablecoins and unlock attractive borrowing opportunities [4]. Group 2: Partnerships and Future Developments - PayPal and Spark are collaborating to enhance global liquidity for PYUSD, with over $100 million already injected into the ecosystem [4]. - The Layer-1 blockchain network Stable will enable the use of PYUSD on its platform, focusing on seamless financial transactions [5]. - PayPal Ventures has invested in Stable's latest funding round, exploring cross-chain compatibility and future products related to payments and stablecoin utility [5][6].

Core Insights - PayPal's Buy Now, Pay Later (BNPL) feature is a significant growth driver, with BNPL volume increasing over 20% year over year in Q2 2025 and monthly active accounts growing by 18% [1][8] Group 1: BNPL Growth and Partnerships - PayPal has entered a two-year agreement with Blue Owl Capital to sell approximately $7 billion of its U.S. "Pay in 4" BNPL receivables, while continuing to manage customer interactions [2] - The BNPL solution has proven beneficial for merchants, exemplified by Ace Hardware, which saw a 35% increase in PayPal sales and a sevenfold rise in average order values after adopting the BNPL service [3] - PayPal's BNPL is widely available, operating in nine global markets, with plans for further expansion in 2025 [4] Group 2: Economic Impact and Competitive Landscape - Consumers using BNPL have an average order value over 80% higher than standard branded checkouts, enhancing merchant sales and creating additional revenue opportunities [4] - In comparison, Block's BNPL Gross Merchandise Value (GMV) grew 17% year over year to $9.11 billion in Q2 2025, while Affirm reported a 45.6% increase in total transactions to 31.3 million in Q3 2025 [5][6] Group 3: Financial Performance and Valuation - PayPal shares have declined 20.5% year to date, underperforming the broader industry and the S&P 500 Index [7] - The stock is trading at a forward 12-month P/E of 12.02X, significantly lower than the industry average of 21.13X, indicating a potential undervaluation [9] - The Zacks Consensus Estimate for PayPal's full-year 2025 EPS has been revised upward, suggesting a year-over-year growth of 12.5% [10]

PayPal Holdings, Inc. (NASDAQ: PYPL ) has not lived up to the expectations of investors over the past five years. After losing ~60% of its market value since September 2020, the company is among the very few profitable tech giants to have lost ground inDilantha De Silva is an experienced equity analyst and investment researcher with over 10 years in the investment industry. He writes insightful articles for Seeking Alpha, GuruFocus, TipRanks, and ValueWalk, with a significant following on Seeking Alpha. Dil ...

Core Insights - PayPal Holdings, Inc. has experienced a significant decline in market value, losing approximately 60% since September 2020, which has not met investor expectations [1] Company Performance - The company is categorized among the few profitable tech giants that have lost ground in the market over the past five years [1] Analyst Background - Dilantha De Silva, an experienced equity analyst with over 10 years in the investment industry, has written insightful articles for various investment platforms and focuses on small-cap stocks [1]

Core Insights - Venmo has launched a new Name, Image, and Likeness (NIL) partnership with Penn State Quarterback Drew Allar, introducing a special edition Penn State Venmo Debit Mastercard aimed at students, alumni, and fans [1][2] - The Venmo Debit Card offers exclusive perks and rewards for everyday purchases, enhancing the gameday experience for users [2][4] - Venmo Hall, a new fan destination, will debut during the Penn State 'White Out' game, featuring various activities and exclusive merchandise for Venmo Debit Card users [3][4] Company Initiatives - The Venmo Debit Card is now available for several universities, including Penn State, Michigan State, and others, providing users with access to limited-time offers and rewards [2][4] - Venmo is expanding its brand presence on college campuses through a fully integrated marketing campaign that includes in-stadium promotions, social media, and streaming platforms [6][7] - The campaign aims to highlight the connection between college sports and campus life, showcasing how users can utilize their Venmo balance for various purchases [6][7] Marketing Strategy - Venmo Hall will travel to various universities, creating memorable experiences for students and fans while promoting school pride [4] - The partnership with athletes like Drew Allar and others aims to enhance brand visibility and engagement within the college sports community [2][6] - Venmo's marketing efforts are designed to resonate with the campus culture, making it easier for users to engage with the brand during gameday events [4][6]

Core Viewpoint - PayPal has entered into a two-year agreement with Blue Owl Capital to sell approximately $7 billion of its "buy now, pay later" receivables, while continuing to manage customer-facing activities related to the service [1] Group 1: Transaction Details - The deal involves the acquisition of PayPal's U.S. "buy now, pay later" receivables valued at around $7 billion [1] - PayPal will maintain responsibility for all customer-facing activities related to its Pay in 4 service, which allows consumers to make interest-free payments in four installments over six weeks [1] Group 2: Financial Implications - The transaction has been mentioned in PayPal's third-quarter and full-year 2025 performance guidance [1]

PayPal Holdings Inc (NASDAQ:PYPL) stock has been trading within a short range since its late-July bear gap, staying roughly between the $66 and $70 levels. Overhead resistance moved in at the 126-day moving average (which represents half a year of trading) could spell trouble for the stock, however, given that it's preceded bearish activity in the past. Per Schaeffer's Senior Quantitative Analyst Rocky White, PYPL has traded below this trendline in at least eight of the last 10 trading days after spending 8 ...

Core Insights - PayPal has entered a two-year, multibillion-dollar partnership with Blue Owl Capital to enhance its "Pay in 4" buy now, pay later (BNPL) program [2][4] - The partnership involves Blue Owl purchasing approximately $7 billion in loans from PayPal's BNPL offerings, while PayPal will continue to manage customer-facing activities [2][3] Company Strategy - PayPal has been focusing on online consumer financing since 2008, launching its "Pay in 4" product in 2020, which is widely available in major markets [3] - The company processed over $33 billion in BNPL payment volume globally last year, marking a 21% increase from 2023 [3] Financial Implications - PayPal's CEO highlighted that average order values using BNPL are over 80% higher than standard transactions, which is a key selling point for attracting merchants [4] - The CFO stated that the partnership with Blue Owl aligns with PayPal's capital allocation strategy and supports the growth of its pay later portfolio [4] Industry Trends - The PYMNTS Intelligence report indicates that while BNPL adoption is growing, card networks are experiencing faster growth in installment conversions [4][5] - There is a shift in consumer behavior, with store-branded cards gaining popularity among middle-income households and Generation Z, prompting general-purpose card issuers to adapt [5]