PayPal Holdings Inc (NASDAQ:PYPL) didn't lose because the world moved too fast — it lost because it chose safety while the world was being rebuilt. In a rare, blistering post on X, former PayPal leader David Marcus argues that a once-iconic payments pioneer systematically traded product conviction for financial predictability, leaving its most valuable asset — ‘branded checkout’ — crawling at just 1% growth as rivals rewrote the playbook.Track PYPL stock here.Branded Checkout's 1% StallMarcus says the decis ...

PayPal Holdings, Inc. (NASDAQ:PYPL) ranks among the stocks with the lowest forward PE ratios. On January 26, BTIG reaffirmed its Neutral rating on PayPal Holdings, Inc. (NASDAQ:PYPL) in advance of the company’s fourth-quarter 2025 earnings announcement. According to the firm, PYPL shares have dropped 19% since the company’s third-quarter 2025 earnings report on October 28. PayPal Holdings, Inc. (NASDAQ:PYPL) management has said before that the company’s fiscal year 2026 growth is expected to decrease, wh ...

Core Insights - PayPal Holdings, Inc. has a market capitalization of $51.9 billion and operates a two-sided technology platform for digital payments, connecting merchants and consumers [1] Performance Overview - Over the past 52 weeks, PayPal's stock has decreased by 38.5%, while the S&P 500 Index has increased by 16.1% [2] - Year-to-date, PayPal shares are down 4.9%, compared to a 1.9% gain in the S&P 500 [2] - PayPal has also underperformed the State Street Financial Select Sector SPDR ETF, which returned 3.1% over the same period [3] Recent Developments - On October 28, PayPal's shares rose by 3.9% following the release of strong Q3 2025 results, reporting adjusted EPS of $1.34 and revenue of $8.42 billion, both exceeding expectations [4] - The company announced a partnership with OpenAI, allowing ChatGPT users to purchase products through its platform, which positively influenced investor sentiment [4] - PayPal raised its full-year adjusted EPS forecast to a range of $5.35 to $5.39 [4] Earnings Expectations - Analysts project PayPal's adjusted EPS to grow by 15.3% year-over-year to $5.36 for the fiscal year ending December 2025 [5] - PayPal has a history of earnings surprises, having beaten consensus estimates in the last four quarters [5] Analyst Ratings - Among 44 analysts covering PayPal, the consensus rating is a "Hold," with eight "Strong Buy," two "Moderate Buy," 29 "Hold," one "Moderate Sell," and four "Strong Sell" ratings [5] - The current analyst configuration is less bullish than three months ago, when there were 13 "Strong Buy" ratings [6] Price Targets - Susquehanna lowered its price target on PayPal to $90 while maintaining a "Positive" rating [7] - The mean price target of $72.72 indicates a 31% premium to current price levels, while the highest price target of $105 suggests an upside potential of 89.2% [7]

Company Overview - PayPal Holdings, Inc. is a leading global fintech company based in San Jose, California, providing digital and mobile payment solutions for consumers and merchants to manage money across online and in-person channels [1] - The company has a market capitalization of $58.7 billion and operates a broad payments ecosystem that includes services like Venmo, Braintree, Xoom, and Honey, supporting e-commerce and global transactions [1][2] Stock Performance - PayPal's stock (PYPL) has experienced a significant decline, dropping 33.1% from its 52-week high of $93.66 on December 9, 2024, and has fallen 10.5% over the past three months, underperforming the Nasdaq Composite's 7.7% increase during the same period [3] - Year-to-date, PYPL stock has plunged 26.6%, and over the past 52 weeks, it has decreased by 27.6%, notably lagging behind the Nasdaq's 21% surge in 2025 [4] Market Sentiment - On November 21, shares of PayPal rose by 4.4% due to increased investor optimism regarding a potential Federal Reserve interest rate cut in December, following comments from New York Fed President John Williams [5] - Market expectations for a December rate cut increased from 37% to 70%, contributing to a rally in financial stocks, which positively influenced sentiment around PayPal [5] Competitive Position - Compared to its peer Block, Inc., PayPal has underperformed, with Block achieving a 24.8% gain over the past 52 weeks and a 21.4% rise in 2025 [6] - Despite the underperformance, PayPal maintains a consensus "Moderate Buy" rating among 42 analysts, with a mean price target of $80.88, indicating a 29% upside potential from current price levels [6]

Group 1 - PayPal Holdings, Inc. (NASDAQ:PYPL) is facing scrutiny regarding its performance, with calls for the CEO to deliver better financial results [1] - Jim Cramer expressed dissatisfaction with PayPal's recent quarterly performance, suggesting that there are better investment options available, such as Capital One [2] - The article indicates that while PayPal has potential, certain AI stocks may offer greater upside potential and lower downside risk [2] Group 2 - PayPal operates a digital payments platform that includes brands like PayPal, Venmo, Braintree, and Xoom, providing various payment and money transfer solutions [2]

Core Insights - PayPal Holdings, Inc. (NASDAQ:PYPL) is recommended as a stock to buy by billionaire Ray Dalio's Bridgewater Associates [1] - On October 7, PayPal launched PayPal Ads Manager, a platform designed for small businesses to display targeted ads on their websites and apps, allowing them to earn ad revenue from store traffic [1][2] - The Ads Manager platform is free for merchants, requiring no upfront costs or minimum commitments [1][2] Product Features - Small businesses can quickly integrate PayPal's SDK into their websites and select their advertising preferences [2] - The Ads Manager utilizes PayPal's purchase data and AI-driven tools to match ads with high-intent shoppers [2] - Ad performance can be managed through the familiar PayPal Merchant Portal, with ad revenue deposited directly into PayPal merchant accounts for operational use [2] Market Expansion - The service is set to roll out in the US in early 2026, with plans for expansion into the United Kingdom and Germany [3] - PayPal operates a technology platform that facilitates payments across nearly 200 markets and in over 100 currencies, with core services including PayPal, Venmo, Braintree, and Xoom [3]

Group 1 - PayPal is considered one of the most undervalued financial stocks according to Wall Street analysts, with a recent partnership with Spark aimed at increasing PYUSD deposits from $100 million to $1 billion [1] - The integration of PYUSD, a U.S. dollar-pegged stablecoin, into SparkLend allows users to supply and borrow the asset, supported by Spark's $8 billion stablecoin reserve, facilitating predictable liquidity [2] - The collaboration comes at a time of increased stablecoin activity, with global supply rising by $30 billion to $263 billion and daily volumes exceeding $100 billion, positioning PYUSD for rapid scaling [3] Group 2 - PayPal operates a global two-sided network for digital payments, enabling consumers and merchants to send, receive, and process payments through various platforms, including PayPal, Venmo, Braintree, Xoom, and Honey [4]

Core Insights - Euronet Worldwide, Inc. (EEFT) has partnered with Google to integrate its cross-border money transfer services, Ria Money Transfer and Xe, into Google's platforms, enhancing user access to these services [1][2][4] Group 1: Partnership and Market Position - The collaboration with Google allows Euronet to leverage Google's extensive global reach, increasing visibility and user engagement for Ria and Xe [2] - This partnership aligns with the trend of embedded finance, positioning EEFT competitively in the expanding digital remittance market [2][4] Group 2: Financial Implications - The global digital remittance market is projected to grow from $23.4 billion in 2024 to $83.2 billion by 2034, with a CAGR of 13.5%, indicating significant growth potential for EEFT's money transfer segment [3] - Ria and Xe support a vast payment infrastructure, including 3.2 billion mobile wallets, 4 billion bank accounts, and 624,000 locations globally, which could lead to substantial transaction volume growth with increased exposure from Google [3][9] Group 3: Competitive Landscape - Competitors like Western Union and PayPal are also expanding their remittance services, with Western Union focusing on digital and physical growth and PayPal scaling its remittance business through Xoom [5][6][7] Group 4: Valuation and Performance - Euronet's shares have increased by 4.2% year-to-date, slightly underperforming the industry average of 4.3% [8] - The company trades at a forward price-to-earnings ratio of 11.04, significantly lower than the industry average of 21.96, indicating potential undervaluation [10] - The Zacks Consensus Estimate for Euronet's 2025 earnings is $9.84 per share, reflecting a 14.3% increase from the previous year [11]