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]