Core Insights - PayPal has launched a new feature called PayPal links, enabling users to send and receive money through personalized, one-time links, aimed at enhancing customer acquisition and expanding the PayPal ecosystem [1] - The integration of cryptocurrencies into PayPal's peer-to-peer (P2P) payment flow will allow U.S. users to send Bitcoin, Ethereum, and PayPal's stablecoin PYUSD, increasing the convenience and reach of payments [2] - PayPal maintains the exemption from 1099-K reporting for friends-and-family transfers, ensuring privacy for personal payments [3] - P2P transactions are crucial for PayPal's growth strategy, facilitating user engagement and attracting new users, with plans for improved cross-border money transfers [4] - The PayPal links initiative, combined with crypto integration and global expansion, strengthens PayPal's position in the digital payments market [5] Company Performance - PayPal shares have declined by 22.3% year to date, underperforming the broader industry and the S&P 500 Index [8] - PayPal's shares are currently trading at a forward 12-month P/E of 11.92X, significantly lower than the Zacks Financial Transaction Services industry's 21.43X, indicating a cheap valuation [10] - The Zacks Consensus Estimate for PayPal's full-year 2025 EPS has been revised upward, suggesting a year-over-year growth of 12.5% [11]