Shoppers appear to be checking out on PayPal. Checking out on using it at checkout, that is. The cash register, both online and in-store, has become a crowded space for payment platforms. The Venmo parent is up against giants like Apple Pay and Google Pay, e-commerce companies such as Shopify and new buy-now-pay-later providers like Affirm and Klarna, and it’s not winning. Its most recent earnings report shows slowing growth in its branded checkout business, which lets customers choose PayPal at checkou ...

If you’re one of the hundreds of millions of Americans who use payment apps, you’ve probably wondered which one is the safest (1). These apps make it easy to split expenses with friends, purchase goods or services and settle bills — but they’re also increasingly tied to scams. Despite all the rankings and reviews you’ll find online, the truth is that there’s not much difference when it comes to getting tricked into sending money to the wrong person. In most cases, once you hit “send,” the money is gone an ...

Core Thesis - Flywire Corporation is positioned as a leading vertical payments and software company, focusing on digitizing complex payment processes in education, travel, and healthcare sectors, leveraging superior technology for faster settlements and lower fees [3][4][6] Company Overview - Flywire's share price was $14.30 as of January 13th, with trailing and forward P/E ratios of 271.80 and 19.08 respectively [1] - The company was founded to address inefficiencies in international tuition payments, disrupting traditional players by offering a modern, asset-light platform that enhances collection accuracy [4] Revenue Breakdown - Education is the dominant vertical for Flywire, accounting for 77% of its revenue, where it leads in cross-border higher-education payments and is expanding into domestic campus payments [4] - Other growing verticals include travel, healthcare, and a nascent B2B business [4] Strategic Shifts - In response to macro pressures, Flywire has shifted towards disciplined execution and margin expansion, including headcount reductions and a focus on profitability [5] - The acquisition of Sertifi has significantly scaled its travel segment and created cross-sell opportunities, while also reducing the appeal for private-equity takeout [5] Management and Market Position - The management team possesses strong expertise in technology and operations, contributing to high customer retention and expansion [6] - Long-term concerns regarding globalization and student mobility are viewed as cyclical rather than structural, indicating a geographical shift in demand rather than a decline [6] Financial Outlook - Flywire is expected to benefit from improving margins, recurring revenues, and conservative guidance, presenting a compelling risk-reward profile with potential for significant upside from normalized growth and multiple expansion [6]

Group 1 - Flywire Corporation is a leading vertical payments and software company that focuses on digitizing complex areas of accounts receivable, particularly in education, travel, and healthcare [3][4] - The company has a modern, asset-light platform that enhances collection accuracy and reduces manual processes, making it a market leader in cross-border higher-education payments, which account for 77% of its revenue [4] - Flywire has shifted its strategy towards disciplined execution and margin expansion due to macro pressures, including student visa caps, leading to headcount reductions and a focus on profitability [5] Group 2 - The acquisition of Sertifi has significantly scaled Flywire's travel segment and created cross-sell opportunities, while also reducing the appeal for private-equity takeout [5] - Management's expertise in technology and operations has resulted in strong customer retention and expansion, with long-term concerns about globalization and student mobility viewed as cyclical rather than structural [6] - Flywire's improving margins, recurring revenues, and conservative guidance present a compelling risk-reward profile, with potential for significant upside from normalized growth and multiple expansion [6]

Great businesses win by solving problems, and the $2.5 trillion global payments market is a goldmine for companies that can make money move effortlessly. Two of the firms competing in that space are Block Inc. (NYSE: XYZ) and PayPal Holdings Inc. (NASDAQ: PYPL). Will AI create the world's first trillionaire? Our team just released a report on the one little-known company, called an "Indispensable Monopoly" providing the critical technology Nvidia and Intel both need. Continue » Image source: Getty Images ...

Finance Enrique Lores Multinational digital payments company PayPal announced that HP’s chief executive Enrique Lores will succeed Alex Chriss as its next president and CEO. During a 20-year tenure at Intuit, the American technology firm behind Credit Karma and TurboTax, Chriss held various leadership roles. He was overseeing QuickBooks and Mailchimp as executive vice president and general manager of the Small Business and Self-Employed Group when he left in September 2023. The board thanked Chriss for ...

利润和营收不及预期，股价应声下跌——日前，国外科技支付巨头 PayPal 交出了一份让市场有所失望的财报。 几乎在同一时间，公司火速宣布"换帅"，其 CEO Alex Chriss 离任，由董事会成员、前 HP CEO Enrique Lores 接任。 这一连串动作来得非常迅速，也似乎对外在释放出一个清晰的信号：董事会已经失去了耐心。 回顾历史，PayPal 曾是全球最早实现大规模在线支付的公司之一，也是无数跨境电商、开发者和中小商户绕不开的 支付平台，素有"美版支付宝"之称。即便在 Apple Pay、Stripe 等新玩家崛起之后，PayPal 依然掌握着庞大的用户规 模、商户网络和支付流水。 对于一家曾长期被视为全球在线支付"基础设施"的公司来说，如此密集的震荡并不常见。这也让外界开始重新审 视： PayPal 是从什么时候开始，走到今天这一步的？ 对此，曾在 2012 至 2014 年担任 PayPal 总裁的 David Marcus，离开公司十二年后首次打破沉默，于 X 平台上发长 文，系统性地回顾自己眼中的 PayPal 的这些年。 David Marcus 谈及了自己 12 年前离开 Pay ...

We came across a bullish thesis on PayPal Holdings, Inc. on CompoundingLab’s Substack. In this article, we will summarize the bulls’ thesis on PYPL. PayPal Holdings, Inc.'s share was trading at $54.08 as of January 28th. PYPL’s trailing and forward P/E were 11.15 and 9.59 respectively according to Yahoo Finance. DLocal (DLO) Gets Boost from Optimistic Outlook Despite Threats Image Source: Shutterstock PayPal Holdings, Inc. operates a technology platform that enables digital payments for merchants and co ...

PayPal has reported a net income of $1.44bn in the fourth quarter (Q4) of 2025, up 28% from $1.12bn in the same period of 2024. Total Payment Volume for the quarter reached $475.1bn, representing 9% growth on a reported basis. Payment transactions in the quarter stood at 6.8 billion, an increase of 2% year‑on‑year, while active accounts edged up 1.1% to 439 million. The US payments firm’s operating income rose to $1.51bn in Q4 2025 from $1.44bn a year earlier. Net revenue for the quarter increased to ...

Core Insights - PayPal is replacing CEO Alex Chriss with Enrique Lores due to unmet expectations regarding the pace of change and execution over the past two years [1] - Lores, who has been a board member for nearly five years and board chair since July 2024, aims to accelerate innovation in the rapidly evolving payments industry [1] - The company reported fourth-quarter results showing an adjusted profit of $1.23 per share on revenue of $8.68 billion, which fell short of analyst expectations [1] Leadership Changes - Enrique Lores will officially take over as CEO on March 1, with Jamie Miller serving as interim CEO until then [1] - David Dorman has been appointed as independent chair effective immediately [1] Financial Performance - PayPal's fourth-quarter adjusted profit was $1.23 per share, while revenue reached $8.68 billion [1] - These results did not meet the expectations of analysts, who anticipated a profit of $1.29 per share and revenue of $8.77 billion [1]