Should I Buy PayPal (PYPL)? Finance YouTuber Analysis

The YouTuber mentions Michael Burry's reported accumulation of 'hated, beaten-down value names' such as PayPal. This implies that PayPal, despite negative market sentiment, possesses solid fundamentals that are currently undervalued, presenting a buying opportunity for long-term investors.

“At the same time, he's been reported to be buying the hated, beaten-down value names, Adobe, PayPal...”

The YouTuber is buying PayPal, believing it is significantly undervalued despite negative sentiment. He highlights its strong free cash flow generation, consistent profit margins, and management's share buybacks. He also mentions Michael Burry's investment and rumors of a takeover as positive indicators.

“The stock has been beaten down for years. But the free cash flow is real and management keeps buying back very inexpensive shares.”

The YouTuber, echoing Michael Burry's thesis, believes PayPal is undervalued despite market concerns about competition. They highlight strong free cash flow, share buybacks, and a margin improvement program expected to boost numbers through 2026-2027, arguing that competitive risks are already priced into the stock.

“The market has been attending PayPal's wake for years now, though the body has yet to show it.”

The YouTuber argues PayPal is significantly undervalued, trading at 6 times free cash flow, with strong buybacks reducing share count and increasing per-share ownership. New leadership is expected to drive cost-cutting and new growth initiatives like an advertising business, which the market is not yet pricing in. Despite slowing revenue growth and fierce competition, the core business remains strong with high cash flow and profit.

“This stock could easily triple from here based on my conservative assumptions.”

The YouTuber expresses a bullish stance on PayPal, aligning with Michael Burry's new position. He highlights the company's significant free cash flow, large user base, and management's aggressive share buybacks at historically low valuations. Despite conservative growth assumptions, his analysis suggests a substantial upside potential, with a calculated intrinsic value significantly above the current stock price.

“This is why I'm interested. I have a low price of between 60 and 65, 135 to 150, 90 to 100 in the middle. Big potential here.”

The analyst is avoiding PayPal, despite its low P/E ratio of 7.5, because its underlying business is deteriorating with declining active accounts, increasing transaction expenses, and a projected flat to slightly negative earnings per share for 2026. He criticizes the company's focus on per-share metrics to mask declining net income and believes it is not a high-quality business.

“So, for myself, I am not interested in this one. And it seems like Michael Bur is being attracted to the very low price multiple and not necessarily focusing on the quality of the business.”

The YouTuber believes PayPal's investment thesis is flawed because its share price recovery would make buybacks less effective, decelerating EPS growth. He also views it as an 'okayish' business at a low multiple, having been burned by similar investments that stagnated or declined.

“So for me, PayPal doesn't really look that interesting because if the share price recovers again, the investment thesis kind of breaks apart. And I also think that it is kind of just an okayish business at a low multiple.”

The YouTuber is not interested in PayPal, viewing it as fairly valued at 14x free cash flow. While it offers a double-digit shareholder return due to buybacks, this relies on the multiple staying low. If the multiple expands, per-share growth declines significantly. The business is not considered high-quality due to slow growth in accounts (1%), engagement (5%), and revenue (6%).

“I think that PayPal, at least in my opinion, is looking like it's selling for fair value today because at this price with so much money going into buybacks, you are getting a double-digit shareholder return. But that thesis disappears if the price multiple expands and the share price goes up.”

The YouTuber acknowledges PayPal appears cheap based on its 10x free cash flow and management's focus on profitable growth, but he lacks conviction in its long-term growth prospects due to significant deceleration in its PSP business and faster growth from competitors like Block (Square). He prefers to be a concentrated investor and finds other stocks in his portfolio more compelling.

“personally I just don't have the conviction in this business to know if it is going to continue growing over the next five years because I think that this business is seeing some headwinds and overall I'm just not that optimistic on it”

The analyst argues that PayPal stock is undervalued, trading at a historically low price-to-operating income ratio of 11.25 compared to its 12-year average of 39.5. Despite active account growth stagnating, the company is growing revenue and operating income by increasing transactions per active account and through its Braintree and new Fast Lane products. The current price does not factor in future growth, and even with pessimistic growth assumptions, the stock could offer market-beating returns.

“I do think that this is looking like a very cheap stock because again I don't think that the price today is factoring in any future growth.”

The YouTuber expresses skepticism about PayPal despite its low P/E ratio and significant buybacks, arguing that the company's guidance for only 3% growth and a mid-single-digit decline in investment suggests a declining business. He believes that buybacks in a declining business are destructive, as they assume future strength that PayPal may lack, making it a risky long-term investment.

“But the guidance is for 3% growth, mid single digit decline. They will stop investing in the business to stay saving. And when you do buybacks and you have a declining business, a buyback implies that the business will be there stronger, better, and more powerful in the next 10 years. And that's missing with PayPal.”

The YouTuber expresses regret about investing in PayPal, calling it the 'worst of my investment' due to its weakening moat and continued underperformance despite a low P/E ratio. He is waiting for a rebound but is considering selling.

“I want to be clear, Adobe and PayPal are not the same quality wise. I believe Adobe is lower risk is a better quality business compared to PayPal. For this reason, Adobe will always have higher multiple compared to PayPal. Anyway, at the moment, I'm not doing anything about these two big losses. I'm waiting for a rebound and a change in sentiment, but I admit in all honesty, I regret investing in PayPal. It brought me a lot of pain.”

The YouTuber expresses regret over his PayPal investment, citing the CEO's resignation shortly after his purchase and a dislike for the new CEO. He finds the business model outdated and competition aggressive, making him uncomfortable holding it despite its low valuation.

“I really don't like the new CEO. It doesn't give me a good feeling, you know? It's I don't know. I'm No, no. I really have issue taking a loss, especially in a company trading at such a low valuation.”

The YouTuber is buying PayPal, citing its $6 billion of free cash flow against a $38 billion market cap, making it appear cheap. They believe a bounce is inevitable due to a new CEO, soft guidance making it even cheaper, revenue growth, and share count drops, arguing management can cut costs and squeeze profits for years.

“6 billion of free cash flow and 38 billion of market cap. Do I need to say anything else? New CEO plus soft guidance made it even cheaper. Revenue growth share counts drops. A bounce is inevitable.”

The YouTuber believes PayPal is a 20% plus gainer in 2026, with strong numbers and potential for a comeback for 'dead and forgotten stocks.' The stock is trading under $60 and appears to be at a major support level. The speaker personally bought it below $60, acknowledging risks but seeing value.

“PayPal is trading under $60 at the time of recording and looking at the chart, it seems like at a major support level.”

The YouTuber advises avoiding PayPal for long-term investment despite its low valuation and potential for short-term gains. They argue that PayPal faces intense competition with lower fees and that its business model could become obsolete due to the rise of decentralized finance and crypto. While acknowledging its current cheapness, they do not believe it has a strong moat for sustained dominance.

“My conclusion is that PayPal business has a very weak mode, a lot a lot of competition with lower fees, so its valuation should be low, as low as $70. Probably not. I don't think so. It's risky, but it's also undervalued. I can see the company bouncing to 90 or $100, but I don't believe it's a great long-term investment that will go back to all-time highs.”

The YouTuber suggests PayPal could be a short-term trading opportunity due to its current undervaluation. They believe the stock could bounce to $90 or $100, making it attractive for a trade, but explicitly states they are not willing to bet on its long-term dominance.

“PayPal price is attractive, and I might even trade it with a target price of $90.”

The YouTuber expresses regret over his previous bullish stance on PayPal, stating that despite its apparent cheap valuation and profitability on paper, the execution from management was poor and misleading. He now avoids it, preferring companies with transparent management.

“A failure is of course the PayPal story. Its valuation made total sense. It's cheap. It's super profitable. Execution didn't exist. Actually quite trash.”

The YouTuber identifies PayPal as a consumer discretionary stock poised for a significant run. He believes that once the current semiconductor stock frenzy subsides, capital will flow into undervalued consumer discretionary names, leading to an '18 to 24-month insane bull run'.

“PayPal. This is another one of these stocks that gets thrown in with the consumer, right? With PayPal and with Venmo, 25% down year to date. The run will be insane.”

The YouTuber is selling PayPal because the new management's strategy no longer aligns with his original investment thesis, which was based on re-accelerated growth. He believes the company is shifting towards a more conservative, stable business model with minimal growth, focusing on maintaining current growth rather than accelerating it. This change in direction, despite the 'stupid cheap' valuation, makes the stock unsuitable for his portfolio goals.

“So, I'm probably going to be out on the stock and be selling the stock because to me, I bought it under one premise and now clearly they're not trying to just make a CEO change to continue on that premise. They're clearly going to go back and shift the business back to a safer business, a more stable business. And just that's not what I bought PayPal for.”

The YouTuber expresses frustration with PayPal's stock performance, noting that while fundamentals are improving, the stock price has not followed. He is 'cautiously optimistic' that the stock price will eventually catch up to its improving fundamentals, but acknowledges the ongoing frustration.

“I'd like to say 2026 will be the year whenever that happens and it'll be one of the big winners of my portfolio. But yet we keep falling back down to that same range while the fundamentals continue to improve.”

The YouTuber argues that PayPal is a strong buy due to its current low valuation (forward P/E of 11), aggressive share buybacks which benefit shareholders at depressed prices, and the ongoing turnaround in net income acceleration. He believes that while the stock has been frustrating, its fundamentals are improving, and it is significantly undervalued compared to peers and even slower-growth companies like Coke and Walmart.

“The reality is that 11p is just stupid for PayPal stock at this particular point in time.”

The YouTuber considers PayPal undervalued, despite its current underperformance. He notes the company is executing well with strong earnings and a clear vision, but Wall Street has yet to recognize its value. He advises patience, comparing its journey to Palantir's long wait for a breakout.

“But from a valuation perspective, it was another great quarter, great earnings, executing on a vision, all the numbers pointing in the right direction there. Wall Street just hasn't got behind the stock yet.”

The YouTuber plans to add a small amount to his existing PayPal position if the stock drops after a positive earnings report, especially if guidance is moved up. He believes the company is undervalued and management should be aggressively buying back shares at current prices to boost EPS, which is a key focus for the new management.

“I might very well buy more depending upon what I hear on the call, especially if we hear a lot of great things and, you know, guidance moved up and everything else moved up, but then the stock gets beaten down. Okay, I might very well add some more then.”

The YouTuber plans to add more PayPal shares, viewing it as one of the best deals in the market. Despite a good earnings report and guidance, Wall Street beat down the stock, creating an opportunity to buy. He believes the fundamentals will eventually catch up to the stock price, especially as the company makes market strides and improves EPS numbers.

“for me probably going to add a few more shares again I'm not going to buy big buys or anything else like that I've already bought a ton of it don't really need any more of it but again putting my Capital to work is what matters and being able to get more than a you know 4% return or so which is what my cash is doing on a stock like PayPal which I think it'll beat that 4% here over the next year or two is something that I can't really pass up in regards to putting my Capital to work in the best place possible so unfortunately some of that little piece of it is going to go towards PayPal most likely.”

The YouTuber maintains a 'buy' rating on PayPal, citing improving fundamentals under the new CEO, Alex Chriss, who is delivering on promises. He notes that the valuation remains cheap despite recent positive news and technical breakouts, which he views as momentum for traders rather than long-term investors. He is looking to add more shares on any weakness.

“I still have it as a buy. I like the fundamentals in earnings improving so far Alex Chris has absolutely delivered on what he has promised on time so far.”

Despite PayPal's frustrating stock performance, the YouTuber believes its valuation continues to get cheaper and the company is making tangible progress that will positively impact its bottom line in coming quarters. He sees it as a long-term buy, expecting it to be significantly higher in 3-5 years, and will add if it stays at current levels or dips post-earnings.

“my guess is if we continue to stay at these levels it's going to get my money once again but again earnings is going to drive that.”

The YouTuber is buying PayPal as a turnaround story, noting its focus on higher-margin products like branded checkout and buy now, pay later, and aggressive cost-cutting measures. He highlights the company's low P/E ratio of 9 compared to the S&P 500, suggesting significant upside if it re-rates closer to market multiples, even without rapid growth.

“What stands out to me the biggest is actually the PE ratio of just nine. This is actually less than half of the S&P 500. So, if PayPal were to just reach where the S&P 500 is at, this would be a $100 stock.”

Henry identifies PayPal as a 'turnaround value play' and one of the most 'hated fintech stocks' with a very cheap valuation (PE ratio of 12, half of the S&P 500). He highlights new leadership aggressively cutting costs and investing in AI-driven payments and branded checkout as key catalysts. He believes PayPal's strong user base and merchant network create a 'flywheel effect' that strengthens its position.

“If PayPal were simply to valued or be valued in line with the S&P 500, then this would be a $90 stock. So, it's down in the dumps.”

The YouTuber believes PayPal is significantly undervalued, trading at a P/E ratio of 12, which is less than half of the S&P 500 average. He highlights internal changes, aggressive cost-cutting by the CEO, and growth initiatives in AI, Venmo, and branded checkout. The company also benefits from strong network effects and is expanding into value-added services, with potential for double-digit growth by 2026.

“This company is trading for levels which when I was studying finance, one of the most successful investors, entrepreneurs, hedge fund managers who came to speak in my senior year pretty much seminar, our professor invited him. This guy manages billions of dollars. He was driving a really fancy car and I really looked up to him. He came in his license plate said 10. Okay, said 10 FFC which is stands for free cash flow. But I talked to him and he said 10p that's the golden ratio right now where PayPal is trading at for 12 PE that is dirt cheap. That is stupid cheap.”

The YouTuber holds PayPal, acknowledging it is currently down 31%. They view this as part of the investment process, accepting that not every idea will succeed, aligning with Peter Lynch's philosophy.

“NJ.com und PayPal sind vergleichsweise große Position, die derzeit 25 bzw. 31% im Minus sind. Doch auch das gehört für mich dazu, denn nicht jede Investitionsidee wird aufgehen.”

The YouTuber bought PayPal, acknowledging its stagnant growth and competitive market. However, new features like PayPal Fastlane and ambitious growth targets presented at a recent investor day, along with a low valuation (P/E of 17, P/FCF of 10), suggest a favorable risk-reward profile.

“Für mich passt das Chancen-Risiko-Verhältnis, werde aber die Entwicklung von Paypal weiter genau verfolgen.”

The YouTuber holds PayPal, describing it as a 'turnaround candidate' that has not yet paid off, currently showing a 5% unrealized loss.

“dann sehen wir hier noch PayPal ein klassischer Turnaround Kandidat der sich bis heute noch nicht ausgezahlt hat ist rund mit 5% Kursverlusten im Minus.”

The YouTuber identifies PayPal as an undervalued opportunity after a significant price decline. He highlights its current valuation at a P/E of around 12 and a free cash flow multiple of 11, suggesting the market has overreacted to its recent performance.

“PayPal haben wir dann noch hat hier auch einen enormen Kursverfall hinter sich. Liegt bei einem KGV von etwa 12, free Cashflow Verhältnis zu 11.”

The YouTuber, who was previously skeptical of PayPal due to high valuation and weakening market position, now believes the stock is attractively priced. He highlights PayPal's consistent profitability, strong free cash flow generation, and a shift in capital allocation towards share buybacks as key reasons. Despite slower growth and competitive pressures, the current valuation offers an attractive long-term return potential of around 12% annually.

“Ich persönlich überlege aber jetzt hier wieder eine Position in PayPal aufzubauen langfristig und fundamental ausgerichtet.”

The analyst, who previously sold a larger portion of his PayPal holdings due to concerns about competition and business model defensibility, now considers the stock fairly to slightly attractively valued after a significant price drop. He maintains a small position, citing a projected annual return of 8.4% based on his growth and margin assumptions, despite ongoing skepticism about the business model.

“Ich werde meinen kleinen Aktienbestand erstmal nicht aufstocken ich werde ihn aber zumindest halten bin also bei Paypal in kleinem Umfang dabei.”

The YouTuber sold PayPal a few months ago, stating that not every stock is cheap and that he doesn't believe the stock is currently a good buy. He implies that the valuation was still too high at the time of sale, despite a general market downturn.

“beispielsweise habe ich mal PayPal vor ein paar Monaten verkauft dazu auch ein Video gemacht bisher scheint es zumindest ein ganz guter Zeitpunkt gewesen zu sein um dort zu verkaufen da ich einfach nicht glaube dass jede Aktie günstig geworden ist”

The YouTuber sold a significant portion of his PayPal shares due to concerns about declining growth, shrinking margins, and poor capital allocation, particularly expensive acquisitions and share buybacks at high prices. He also highlights strategic disadvantages against tech giants like Apple and Google in the payment space, and the risk of payment processing becoming a commodity.

“Ich selbst habe mal zu einem kurs von etwa 90 euro tatsächlich paypal aktien gekauft mittlerweile bin ich aber etwas skeptischer und habe zu einem kurs von 100 euro den größeren teil meiner paypal aktien abgestoßen.”

The analyst recommends PayPal as a solid investment with potential, citing its current low valuation (KGV of 16.5, projected to fall to 11 by 2028) despite rising profits and stable margins. The new CEO is refocusing on core competencies, and aggressive share buybacks have reduced outstanding shares. The analyst also notes that if PayPal paid dividends instead of buybacks, the yield would be over 8%.

“PayPal ist an sich schon solides Investment. Ja, also so viel dazu. Ich denke, da ist also tatsächlich Potenzial.”

The analyst views PayPal as an interesting long-term turnaround candidate, noting that the stock has fallen significantly from its all-time high. Despite recent management missteps and initial investment costs impacting short-term profit growth, the company's core business is strong, and the new CEO's focus on improving core competencies could lead to a recovery. The stock is currently trading at a low P/E ratio of 11 based on adjusted earnings, suggesting it is undervalued if it can achieve mid-to-high single-digit growth.

“dennoch kann ich oder sehe ich Paypal durchus aus langfristig als interessanten Turnaround Kandidaten”

The analyst notes PayPal has fallen 82% from its all-time high, presenting a potential turnaround opportunity under the new CEO. Despite past criticisms of management and lack of innovation, the company's growth rates are not bad, with projected growth over 10%. If the new CEO can improve the company's competitive moat and performance, the stock is considered a buy, with a fair value potentially around $100 based on a 15x P/E, offering over 20% annual return.

“obwohl die Wachstumsraten ja so gar nicht so schlecht sind geh auf den bereiten Gewinn hab Wachstumsraten von prognostiziert hier über 10% und letz qu auch gezeigt D gar nicht so schlecht ist ist halt der Frage die Frage ob der burgraben bzw die große Verbreitung von Paypal halten wird oder nicht Konkurrenz schläft ja nicht das hat eben damit zu tun das CEO seine Arbeit gut macht als ja dann ist Hal definitiv Turnaround Potenzial gegeben kräftig nach oben”

The YouTuber is selling PayPal stock despite recent positive market reaction to earnings. He believes the announced cost-cutting measures, driven by an activist investor, are overly ambitious and will lead to significant collateral damage, particularly in transaction costs and personnel. He fears this strategy will compromise future growth and innovation, ultimately harming long-term profitability and stock performance.

“ich überlege meine PayPal-Aktien tatsächlich zu verkaufen”

The YouTuber argues that PayPal, despite recent management missteps and a significant price drop, is now fundamentally undervalued compared to traditional value stocks like Coca-Cola or Pepsi. He highlights PayPal's superior historical and projected growth rates in revenue and earnings, strong cash flow generation, and its advantageous position as an inflation hedge due to its percentage-based transaction fees. He believes the market has overcorrected, making it an attractive long-term buy.

“rein fundamental ist potenzial da bei paypal bei anderen technologieaktien auch während ich mich über die gute sache wenn sie von coca cola und kult durchaus freuen pepsi habe beispielsweise ein journalist aber ich wäre vorsichtig jetzt ein großteil des vermögens da rein zu schieben weil ich mir sage ja das ist das sichere hafen weil die bewertung sind da ist schon wieder so hoch dass ich nicht glaube dass man da ist noch unbedingt viel rendite mit macht und vielleicht gibt es dann auch da eine korrektur”

The analyst recommends PayPal over Block due to its established and secure business model, which is easier to evaluate. Despite recent corrections, PayPal offers attractive risk-reward with a positive expected annual return of 9.4% for the next two years, making it a quality stock at current valuation levels.

“bei paypal hat mir gesagt okay da sehe ich durchaus chancen ich habe auch ein bisschen günstiger gekriegt hier bei 183 also bei mir wäre jetzt die renditeerwartungen dann 10,7 also kein keine große unter kein großer unterschied deshalb habe ich mich also für einfachen entschieden”

The YouTuber purchased PayPal shares, viewing it as a quality stock with strong growth prospects, despite its recent correction. He notes that its valuation, based on adjusted earnings and price-to-earnings ratio, has returned to historical levels, making it an attractive long-term investment with an expected annual return of 17.5% by 2024.

“Ich habe PayPal gekauft, die Bewertung war erkennbar, ist die Aktie auf der Korrektur ein Kauf für mich persönlich, weil ich verlange längerfristig investieren möchten, sehe ich hier Renditeerwartungen hier 17,5% aufs Jahr bis zum Jahr 2024.”

The investor holds PayPal as part of his single stock portfolio, believing it has good future return potential. He actively follows the company's quarterly reports and is passionate about the business.

“Perché io credo che nel futuro possano avere buoni rendimenti”

The YouTuber suggests avoiding PayPal in the short term due to its recent 50% surge, which he believes might be ahead of its fundamentals. He notes that Q3 earnings are expected to show an 18% decline in profits year-over-year, and the current 20x P/E multiple might not be sustainable if management fails to provide a strong growth outlook.

“I wonder if it's not ahead of itself at this point and setting up for a disappointment.”

The analyst views PayPal as a 'steal' at 14 times earnings compared to MasterCard's 39x, despite its consistent sell-off. He highlights its dominance in digital payments with over 430 million users and the potential for a rebound under new CEO Alex Chris, who has promised to 'shock the market' with new features, AI plans, and a 9% staff reduction to cut costs. He believes any good news or an upgraded revenue forecast could provide a bump.

“PayPal has more than 430 million users and vinmo has another 90 million on top of that easily do dominating that market share for its industry and here whereas MasterCard trades for 39 times on a price to earnings basis PayPal is a steal at just 14 times earnings.”

The YouTuber believes PayPal is an attractive buy despite market pessimism, noting its dominant position in digital wallets and fintech. With sales growth expected to rebound to 9% next year and earnings growth of 13%, the stock trades at a very attractive valuation of 9.5 times 2024 EPS, suggesting potential for a surprise rally.

“The company is still the dominant leader in digital wallets and that fintech payment space that's a position it should be able to translate into growth sales growth is expected up 9% next year with 13% earnings growth and the shares are trading for very attractive valuation at just 9 and a half times 2024 EPS.”

PayPal is identified as a 'forever stock' that has not yet taken off, with shares flat year-to-date. Despite competition, it maintains a strong market share, and its valuation at 15 times P/E, with expected 20% earnings growth, suggests limited downside and potential for growth from new initiatives.

“I think the downside is limited here and any new growth from news or initiatives could really help boost these shares”

The YouTuber recommends PayPal, seeing it as an attractive growth stock after a 60% drop in shares. He believes its Venmo app is currently 'under monetized' and that PayPal has the potential to become a 'super app' offering a full suite of financial services, which would significantly boost revenue. He notes its strong market position in digital wallets and its current valuation at a 75% discount to its 2020 price-to-sales multiple. Analysts have a target price of $115, suggesting 48% potential return.

“I think PayPal is one of the most attractive growth stocks out there on a valuation basis trading at just 3.3 times sales that is a 75 discount to the price to sales multiple it traded on in 2020 and sales are growing at double digits a year.”

The YouTuber includes PayPal in his son's portfolio, identifying it as one of his favorite growth stocks. He believes it has the best shot at high returns over the next 10 to 20 years.

“we have shares of PayPal ticker PPL Sofi Technologies ticker soffi and tedoc health ticker tdoc These are three of my favorite growth stocks and the best shot at those High returns over the next 10 or 20 years”

The YouTuber, a current shareholder, sees PayPal as a leader in digital payments with strong user growth and significant potential in digital wallets. He believes the market undervalues its Venmo unit and the potential for cross-selling financial services, setting a $175 price target even without full monetization of its user base.

“I have a 175 dollar price target on the shares if nothing changes here if it just keeps on going with that rate but but when it does unlock that digital wallet valuation PayPal could go much higher”

The YouTuber believes PayPal is becoming a comprehensive digital finance ecosystem, encompassing payments, international transfers, savings, and digital wallets like Venmo. Digital wallets are increasingly dominant in both online and offline transactions, with PayPal being the clear leader. Management targets 20% revenue growth, and even conservative valuations suggest a share price of $245 within three years, representing a 30% annualized return.

“Another growth stock I really like here one position to be the future of banking PayPal Holdings ticker PYPL.”

The analyst is buying PayPal, considering it a core holding due to its expanding digital finance ecosystem, including retailer payments, international money transfers, savings, and its Venmo app. Despite recent headwinds from eBay's payment changes and a slowdown in new accounts (partially due to cleaning out spam), customer engagement is growing, and he expects significant revenue growth and a potential 120% return over the next few years.

“PayPal is quickly becoming everything you need in digital finance... I do expect the stock to return as much as a hundred and twenty percent over the next few years and and even more on the push into digital wallets.”

The YouTuber is bullish on PayPal, citing its dominant position in the growing digital wallet market, which he believes is underestimated by the market. He projects significant upside as PayPal monetizes its user base through new services, potentially reaching a valuation of $500 per share within five years. He also notes the current low valuation relative to historical averages and competitors, suggesting it's a point of 'max fear' and an attractive entry point.

“That's why I'm holding the stock and even buying more.”

The analyst is buying PayPal, citing its evolution into an online bank with significant growth potential in digital wallets like Venmo. He believes that increased monetization of Venmo users, currently undervalued, could significantly boost the stock price. Additionally, the recent integration of Venmo as a payment option on Amazon is expected to expand its user base.

“I think that longer term picture is the real reason to buy and hold the shares here and this is actually one of my largest holdings in my own portfolio”

The YouTuber owns PayPal shares and expresses strong confidence that earnings will be significantly higher over the next five years and beyond. Despite a recent stock price drop, he believes that even with a lower P/E ratio, earnings growth will drive the stock price higher, potentially yielding a nearly 100% return from current levels.

“I own shares of paypal and have no doubt in my mind that that earnings will be much higher over the next five years and even longer and that means even if investors are still only willing to pay a price of 41 times earnings in five years times if earnings have grown to over nine dollars a share then the stock price is still going to have risen to 376 dollars for a total return of almost a hundred percent from here”

The YouTuber is bullish on PayPal for the long term, citing strong fundamentals, a new capable CEO (Alex Chriss) who is implementing strategic priorities, and ongoing share buyback programs that support the stock price. Technical analysis also shows bullish signals, including a 'golden cross' on the daily chart and a potential move into a new price range between $76 and $98, with potential to reach $150 or even $220.

“ich bin immer noch bullig also das ist quasi die Quintessence des ganzen”

Carlson avoids PayPal, despite its recent earnings bump, noting that while the low valuation offers potential upside, the earnings report was only 'okay.' He observes that active accounts were down year-over-year, though up quarter-over-quarter, and while transactions per account increased, the stock is still trailing the market, indicating it needs more consistent strong performance to warrant investment.

“PayPal needs to continue posting quarters like this for the stock to gain a Resurgence.”

Travis Hoium argues that PayPal's recent integration of its stablecoin with the Solana blockchain positions it to disrupt the traditional credit card ecosystem. By offering merchants a much cheaper alternative to Visa/Mastercard fees (e.g., 0.5% vs. 3%), PayPal can increase its own margins and capture significant revenue from stablecoin services, similar to Coinbase's success. This strategic move could lead to substantial long-term upside for the company.

“This is really where I think there's potential upside for PayPal and where PayPal could play a central role in disrupting the traditional credit card ecosystem.”

Travis Hoium argues that PayPal stock is a good buy due to its current valuation, trading at approximately 12 times non-GAAP earnings per share, and its continued generation of free cash flow. He acknowledges concerns about declining margins and increased competition but believes PayPal's dual merchant and consumer business model, along with its potential to disrupt credit card fees, offers long-term value despite market uncertainty.

“My thought right now is that is that PayPal is trading at such a value that it's a good buy for investors”

Travis Hoium argues that PayPal, despite slower growth compared to competitors, is a good value stock due to its strong free cash flow generation (around $5 billion), healthy operating margins (16%), and a current valuation of about 12 times free cash flow. He believes the market is undervaluing its sticky business model and potential for steady, high single-digit growth, making it an attractive long-term holding.

“I would look at this as a slow and steady company to put in your portfolio now that it's trading at a pretty good valuation.”

The analyst indicates that PayPal is on his short list and would become an even more compelling buy if its valuation drops further. Specifically, he would be very interested in adding shares if the stock trades for under 10 times free cash flow, which he considers a 'really great valuation' for a company with its characteristics.

“this is on my short list now that the stock has come down especially if we get to a point where it's trading for under 10 times free cash flow I think that would be a really great valuation for a company like like its former parent eBay this is a company that's down but may not be out”

The analyst argues PayPal is an unprecedented value at its current price, trading at less than 14 times free cash flow, the cheapest it has ever been. Management is refocusing on core competencies, which is improving cash flow. Despite potential long-term disruption from crypto, the regulatory framework is not yet in place for it to significantly impact PayPal in the near future.

“at 69 per share it's about a 79 billion dollar market cap why is that important well for me PayPal is a free cash flow machine and always has been since this company came public it has generated a lot of free cash flow”

The YouTuber identifies PayPal as an undervalued fintech play that has been 'beaten down' and is due for a rebound if the fintech sector gains traction. They believe it has no choice but to run.

“PayPal this one is a undervalue play that I do want on your radar if fin Tech play start to get some love again this one has been beaten down so much it has no choice but to run”

The YouTuber suggests PayPal is at attractive levels for long-term holding or dollar-cost averaging, noting its significant drop and anticipating a market reversal. He views the current price as a good opportunity to establish or add to a position.

“if this is a stock that you want to take a flyer on it this is the stock you want to buy the dip on it this is a stock you want to hold longterm for these are some attractive levels to start considering that and or dollar cost average and getting your position established”

The YouTuber intends to buy PayPal shares in the $60-$72 range, viewing the current valuation as attractive despite recent negative news and the lack of a CEO announcement. He believes it has potential to rebound to the $77-$80 range, but sets a stop-loss at $59 due to potential headwinds.

“I'm feeling a little down on PayPal right now after earnings after no announcement of the CEO but I like to stay tried and true uh sixty dollars to seventy two dollars is the range I want to buy this in and so I'm going to give it a shot.”

The YouTuber recommends buying PayPal, especially in the $60s range, as he believes it's a steal despite recent lukewarm earnings. He expects the stock to grind its way to a price target of $77-$80 within the next 30-90 days, citing significant upside potential compared to other stocks that have already run up.

“I will be loading the boat on this especially in the 60s because this is just too much of a steal.”

The YouTuber is looking for PayPal to make a move towards $80, especially if it delivers a strong earnings report similar to Sofi. He notes that the stock broke resistance at $74 and $75, but faced a double top at $76.47. He anticipates a potential move through $76 after a good earnings report.

“I'm looking for eighty dollars on this to the upside that is what I'm expecting this to eventually get to sometime in August.”

The YouTuber sees PayPal as a leader in digital payments that has been beaten down and is due for a rebound. He believes a big move is coming, especially if it has another good earnings report. He identifies key buying zones below $73, specifically mentioning $72.90, $71, $69, $65, and $60.

“I talked about the importance of getting this under 73 dollars seventy two dollars is a whole dollar down and I love to see this okay check it out it came as low as 71.87 in terms of where it closed at I love these levels remember this guys 72.90 71 69 65 and 60. that is the entire range you want to kind of scoop up this when you can okay for me I particularly see a possible Big Move coming.”

The YouTuber is buying PayPal due to its current undervaluation, with PE ratios well below the S&P 500 and an attractive Enterprise Value to EBITDA metric compared to peers. He also highlights strong quarterly financials, including revenue growth and significant increases in net income and EPS, indicating a well-run company going through a temporary rough patch. He anticipates a significant price recovery, with technical analysis suggesting resistance levels at $80 and $121, and a potential move to $120-$130 within 1-3 years.

“I'll be slowly building out my position at 73 and below so ideally I want to get this at 60 65 range that's where I want so I'm hoping for a pullback ideally to those levels to continue to build out the position.”

The YouTuber expresses interest in buying PayPal at $73 or below, aiming to build a position within a $10 range, from $63 to $73. He indicates he would buy heavier at the lower end of this range.

“PayPal sitting at 72.99 at the time of this recording I like this at 73 and Below all right”

The YouTuber is looking to slowly build a position in PayPal, believing it is worth the risk from both a fundamental and technical standpoint. He identifies a buying range between $72 and $60, with an ideal target of $60 or $65, and projects a potential move to $90.

“I'm going to slowly be building out a position in this as I believe this is worth the risk from a fundamental standpoint from a technical standpoint now right now it is still getting beat down.”

The analyst argues that PayPal is a well-priced stock currently trading at a significantly lower market multiple (13-15x EBITDA) than its historical highs (60x) and industry peers (18-20x). He highlights its consistent revenue and earnings growth, strong free cash flow generation, and an active share buyback program as a 'trifecta' for potential long-term outperformance, projecting an 18% IRR over a decade.

“I can buy this stock at 60 I get this stream of cash flow I'm out at an average price roughly $146 a share and I make an estimated $181 18% irr.”

The analyst, who owns PayPal, states he will continue to hold the stock despite its significant price drop. He acknowledges the company's continued revenue and EBITDA growth, low debt, and strong free cash flow. However, he believes the stock is not well-priced for new investment due to revised lower growth guidance and market multiple contraction, which has significantly reduced its long-term value.

“I like the company, I like the stock, I own the stock, so I'm in a negative position in the stock. I'll continue to hold it because it will continue to grow and maybe they can pick their growth back up and it rebounds.”

The analyst recommends buying PayPal due to its consistent double-digit revenue and EBITDA growth, strong free cash flow generation, and zero debt. He projects a significant increase in total payment volume and believes the company is well-positioned to benefit from inflation due to its transaction-based business model. The stock is considered well-priced given its future cash flow potential, offering a projected 19% internal rate of return over 10 years.

“I like this stock. I like the management team. I like what they're going. So as a recap, check out cashflowinvestingpro.com.”