Key Takeaways PYPL and UPST show fintech's split paths, with payments scale on one side and AI-driven lending on the other.PYPL's Q3 2025 revenues rose 7.3%, as Venmo growth, new partnerships and agentic commerce supported expansion.UPST posted 71% revenue growth in Q3 2025, driven by rising originations, diversification and AI automation.The fintech sector is buzzing with unprecedented energy, as companies like PayPal (PYPL) and Upstart Holdings (UPST) drive breakthroughs in digital payments and AI-driven ...

Core Viewpoint - PhonePe, an Indian digital payments company, has received regulatory approval for its initial public offering (IPO), aiming to raise approximately Rs120 billion ($1.35 billion) and complete the listing by mid-2026 [1][2]. Group 1: IPO Details - The IPO approval follows a confidential filing of draft documents with the Securities and Exchange Board of India (SEBI) in September of the previous year [1]. - The planned listing may involve a stake sale by existing shareholders, including Walmart, Microsoft, and Tiger Global [1][2]. - PhonePe is targeting a fundraising of about Rs120 billion ($1.35 billion) through the share sale [2]. Group 2: Company Performance and Market Position - PhonePe was valued at around $12 billion in private funding rounds in 2023 [2]. - The company operates one of India's largest digital payments platforms and holds a leading position on the Unified Payments Interface (UPI), accounting for over 45% of UPI transaction volumes as of December 2025 [3]. - In August 2025, PhonePe processed 9.8 billion out of 21.6 billion UPI transactions, according to data from the National Payments Corporation of India (NPCI) [4]. - PhonePe has over 600 million registered users and provides payment acceptance solutions to nearly 50 million merchants across India [4]. Group 3: Financial Performance - Ahead of the IPO, PhonePe reported a reduction in annual losses, with a net loss of Rs17.2 billion ($189 million) for the financial year ending in March 2025, down from Rs19.96 billion in the previous year [5]. - The company received final authorization from the Reserve Bank of India to operate as an online payment aggregator, allowing it to provide payment aggregation services to merchants under the central bank's regulatory framework [5].

Longleaf Partners, managed by Southeastern Asset Management, released its fourth-quarter 2025 investor letter. A copy of the letter can be downloaded here. The Fund returned 3.35% in the quarter, compared to the S&P 500’s 2.66% and the Russell 1000 Value Index’s 3.81% return. 2025 was a challenging year for the firm, as it did not have any standout performers. Approximately 5% of the portfolio gained 20% or more, while 35% of the S&P 500 hit that level. The overall market dynamic drove the Fund’s underperf ...

PhonePe, India’s largest digital payments company, is reportedly closer to going public.By completing this form, you agree to receive marketing communications from PYMNTS and to the sharing of your information with our sponsor, if applicable, in accordance with our Privacy Policy and Terms and Conditions .Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required.The Walmart-backed firm’s initial public offering (IPO) has gotten the approva ...

Quick Read Grab Holdings (GRAB) faces Indonesian proposals to cut ride-hailing commissions from 20% to 10%. Indonesia is Grab’s largest market. Grab delivered $136M in Q3 adjusted EBITDA, a 51% increase. Revenue grew across mobility and delivery segments. The stock fell 12% year-to-date to $4.38, reflecting regulatory uncertainty despite analyst targets averaging $6.58. A recent study identified one single habit that doubled Americans’ retirement savings and moved retirement from dream, to reality. ...

Wedgewood Partners, an investment management company, released its fourth-quarter 2025 investor letter. The firm anticipates stronger market volatility in the coming years and has moderated its enthusiasm. A copy of the letter can be downloaded here. The Wedgewood Composite returned -1.8% (net) in the fourth quarter compared to the S&P 500’s 2.7%, the Russell 1000 Growth Index’s 1.1%, and the Russell 1000 Value Index’s 3.8% returns. YTD, the Composite gained 4.3% compared to 17.9%, 18.6%, and 15.9% returns ...

PayPal Holdings, Inc. (NASDAQ:PYPL) is one of the Most Undervalued Fintech Stocks to Buy Now. On January 16, Charles Nabhan from Stephens reiterated a Hold rating on the stock and lowered the price target from $75 to $65. A day earlier, on January 15, Raymond James maintained a Hold rating on PayPal Holdings, Inc. (NASDAQ:PYPL) without disclosing any price target. Analysts at Raymond James noted that they are adjusting estimates as the company approaches its fiscal Q4 2025 earnings release. The firm high ...

SAN DIEGO, CA, Jan. 15, 2026 (GLOBE NEWSWIRE) -- RYVYL Inc. (NASDAQ: RVYL) (“RYVYL” or the “Company”) announced today that it has filed a proxy and registration statement on Form S-4 with the U.S. Securities and Exchange Commission (SEC) in connection with the Company's proposed acquisition of RTB Digital, Inc. (“Roundtable”) in a merger transaction. Once complete, the transaction would result in the Company’s operations being focused on Roundtable's ad revenue generating transformative Web3 media platform. ...

Company Overview - PayPal Holdings, Inc. is a leading financial technology company that operates a global digital payments platform, facilitating online and in-person transactions, money transfers, and various payment services, with a market cap of approximately $55.1 billion [1] Earnings Expectations - The company is set to unveil its fourth quarter 2025 earnings on February 3, 2026, with analysts expecting an EPS of $1.29, reflecting an 8.4% increase from the prior-year quarter value of $1.19 [2] - For the full fiscal 2025, PayPal's EPS is projected to be $5.36, up 15.3% from $4.65 in fiscal 2024, and is expected to rise further to $5.86 in fiscal 2026, marking a 9.3% year-over-year increase [3] Stock Performance - PayPal's stock has declined by 34.4% over the past 52 weeks, significantly underperforming the Financial Select Sector SPDR Fund's 14.9% increase and the S&P 500 Index's 17.7% gains during the same period [4] Growth Concerns - The stock's decline is attributed to investor concerns regarding slowing growth and increasing competitive pressure in the digital payments sector, with active accounts growing only about 1% year-over-year, total payment transactions declining by 5%, and transactions per active account falling by 6% [5] Analyst Ratings - Analysts maintain a cautious "Hold" rating overall, with 42 analysts covering the stock: eight recommend a "Strong Buy," two suggest a "Moderate Buy," 27 advocate a "Hold," one gives a "Moderate Sell," and four suggest a "Strong Sell." The average analyst price target is $74.73, indicating a potential upside of 29.6% from current levels [6]

Core Viewpoint - PayPal Holdings, Inc. (NASDAQ:PYPL) is currently viewed as an oversold fundamentally strong stock, despite recent price target reductions and downgrades from analysts [1][2][3] Group 1: Analyst Ratings and Price Targets - Susquehanna has reduced the price target for PayPal's stock from $94 to $90 while maintaining a "Positive" rating, indicating a more gradual growth outlook than previously expected [1][2] - Monness Crespi downgraded PayPal's stock from "Buy" to "Neutral," citing macroeconomic factors affecting consumer spending, particularly among the 90% of US consumers who account for 50% of spending [3] Group 2: Partnerships and Innovations - Paychex, Inc. has announced a partnership with PayPal, allowing employees of Paychex customers to set up PayPal Direct Deposit, which offers up to 2-day early access to paychecks [2] Group 3: Long-term Outlook - Despite recent downgrades, analysts acknowledge that PayPal's long-term growth potential remains intact, suggesting confidence in the company's future performance [3]