Jim Cramer on Paypal: “The Company’s Been Late to New Technologies”

Core Insights - PayPal Holdings, Inc. has experienced a significant decline, being down over 31% last year, and is currently viewed as undervalued with a price-to-earnings ratio of 10 times this year's earnings estimates [1] - The company has struggled to keep pace with new technologies such as buy now, pay later and stablecoins, leading to a commoditization of its classic payment offerings [1] - Despite these challenges, PayPal continues to grow, and there is speculation that 2026 may be a turning point for the stock as it becomes too cheap to ignore [1] Company Performance - PayPal operates a digital payments platform that facilitates online and in-person transactions for consumers and merchants, offering services such as payments, checkout, credit, and money transfer products [2] - The current CEO has faced criticism for not delivering satisfactory financial results, drawing a comparison to an NFL team that fails to perform [2] Investment Perspective - While PayPal is recognized for its potential as an investment, there are opinions suggesting that certain AI stocks may offer greater upside potential with less downside risk [2]