Core Insights - PayPal Holdings, Inc. (NASDAQ:PYPL) is considered one of the most undervalued fintech stocks currently available for investment [1] - Analysts from Raymond James and Stephens have maintained a Hold rating on PayPal, with price target adjustments reflecting cautious sentiment towards the stock [1][2] Analyst Ratings and Price Targets - Charles Nabhan from Stephens lowered the price target for PayPal from $75 to $65 while reiterating a Hold rating [1] - Raymond James also maintained a Hold rating without disclosing a price target, indicating a cautious approach as the company nears its fiscal Q4 2025 earnings release [1][2] Financial Performance and Growth Estimates - Raymond James has reduced Branded Total Payment Volume growth estimates by 300 basis points to 2% for Q4 2025, citing management's comments on expected slower growth [2] - The firm anticipates that low single-digit growth will continue into the first half of 2026 due to macroeconomic pressures and slower adoption of new products [2] Sector Outlook - Stephens acknowledges that 2025 was a challenging year for the fintech sector but sees potential for improved investor sentiment and better returns in 2026 [3] - PayPal operates a technology platform that facilitates digital payments for both merchants and consumers, positioning it within a growing market [3]