PYPL

FadedMangos

No no I bought 12k worth of PYPL calls and lost about 9k of it. Had no conviction it had another positive move so I cut the contracts so theta didn’t eat the rest of my account.

FadedMangos

It was a $57 call for 1/30 when price was $56.85, so if I would’ve kept it through today I could’ve sold for a 15% loss instead of 80% but i didn’t see our market rebounding after 🥭 talked incoherently back to back days haha I’ve had great returns this year buying contracts just like this, a 1% move up to $57.50 would’ve put me $800+ up and I would’ve sold for the day. PYPL is slow but had no reason to dip lower unless we threatened to idk attack NATO 4 hours after I buy 😂

Negative_Win_5117

PYPL

Common_Comment_7765

Still dca PYPL

mazrim00

I hope so but (like my boy PYPL) this guy just sinks back down after anything 'good'.

Own_Physics_574

LEARN TO VALUE INVEST WIGGA. WBTN, PYPL, NVO, etc... buy a company because it is genuinely undervalued

True_Veterinarian443

Unveiling PayPal (PYPL): https://www.reddit.com/r/StockMonitoring/s/8sVRppkByP

True_Veterinarian443

Unveiling PayPal (PYPL): https://www.reddit.com/r/StockMonitoring/s/8sVRppkByP

True_Veterinarian443

You are right. Unveiling PayPal (PYPL): https://www.reddit.com/r/StockMonitoring/s/8sVRppkByP

MarthaJulietta

I been here debating the value proposition of PYPL all morning and finally saw that both VITL and PYPL are having great days. Doesnt do much overall but it feels nice to have a big green one

dvdmovie1

> . PYPL went from like a 12PE to at 20PE when it went from50-90. At 75 it probably had exited extreme value incredible R:R ratio Prices and could have been sold off. It has re-entered that extremely cheap territory once again In 2023 it was trading at an 18 p/e and people went on how cheap that was and that people should buy PYPL instead of chasing NVDA. 2024 it was 20x. 2025 it was 12x and it still went down about 33% last year. We're still at 11x and it's starting the year off down. Calling it "cheap" isn't new on here and what we were all told was cheap 3 years ago, 2 years ago and 1 year ago only has gotten cheaper as there's no narrative or catalyst. I hope for the bagholders they are able to pull something off, but the continued cheerleading for this name on here over the last 3 years (while PYPL is -20% since the start of 2023, underperforming ... many things) seems increasingly oddly disconnected from the reality that people are seeing when they look at the stock. If people acknowledged that the business has issues/perhaps the theme isn't what it was and that things like a new CEO didn't deliver the hoped for catalyst instead of this sort of "it's fantastic and nobody gets it but me" there wouldn't be the kind of responses there is to the name.

MarthaJulietta

I think these are poor arguments. Just because it hasn’t moved from these lows does not mean it was not a good buy at those price points. PYPL went from like a 12PE to at 20PE when it went from50-90. At 75 it probably had exited extreme value incredible R:R ratio Prices and could have been sold off. It has re-entered that extremely cheap territory once again That’s great, that happened under operational negligence and crumbling numbers. PayPal has shown none of that to this point. Please understand that just because the price has not appreciated over the years does not mean it is not an attractive buy at THIS PRICE POINT.

MarthaJulietta

It is possible all that happens but let’s say we just trust projections and they grow at 5.3% top and bottom line for the next 5 years. If PE stays the same as it is today, PYPL will have repurchased almost 70% of the company. If price doesn’t move that number would be significantly higher. All of your pessimism would have to come true ie projecting negative growth from 2030 onwards and a PE compression from 11 to like 5. I think it’s more likely that PYPL figures out how to evolve with the times and find growth vectors like they’ve been doing ie Venmo Braintree BNPL. Sometimes a missile makes it through a duct and there goes the Death Star but I feel well guarded and have much more upside than people aeem to consider possible.

dvdmovie1

> Look the difference between us is that you are looking at PayPal with their drs pressed stock price with despair. I'm looking at it with disinterest, which is how I looked at it for the last 3 years of it being a common topic on here and told things like "the new CEO is going to turn things around!" That was late 2023, the stock is below that. This has been a market of narratives for most of the last 5 years and there is no narrative here; buyback in/of itself is not a thesis and the importance in which people emphasize the buyback case for PYPL on here act as if a buyback is something unique to PYPL. There was a fund manager who talked up his view that Sears was cheap and that the real estate was a fantastic value. He was Morningstar Manager of the Decade and had 22B in AUM. The years went by and Sears started to fall apart, but he was not bothered: year in, year out he would tell shareholders the tale of how much value was in Sears. For a time he was on the board of the company. It became more than half his fund. Eventually, Sears became more distressed and in 2017 he was "unapolgetic" to fleeing fund shareholders. In 2018, Sears went bankrupt. He had been on a saga for more than a decade trying to talk up the value and lost a fortune. The fund went from $22B and Morningstar Manager of the Decade to $1B and Morningstar 1 star fund that had a warning from Morningstar for a while. He was convinced that he was right about Sears for over a decade and never had any awareness whatsoever that maybe he was wrong (I don't believe he ever set foot in a store.) This sub has gone on about PYPL for only about 3 years but at what point is there some acknowledgement that not everything has gone as hoped? I hope things *eventually* go well with it for all the people who talk about it on here, but after years of it there's a point where I'd think there'd be some awareness that perhaps the stock hasn't exactly performed in the manner this sub has frequently thought it would. Instead, we get the continued "everything is great" (never any addressing issues that are brought up, or why many names in the theme have done similarly lousy.)

MitchCurry

I hope you can throw this back in my face in 5 years because that would mean you did well but I don't see PYPL beating the market. Buying back shares and paying a dividend is great but they continue to face difficulties with OS wallets hitting their branded take rate, Amazon/Shop eating their lunch. What's the strategy to revive their core product? They have nothing better to do with their money than buy shares and pay cash to investors and apply for banking licenses? I also don't see agentic commerce actually becoming a thing that moves bottom lines up, only down as investment is poured into things people don't want. Genuinely I hope you hit a homerun here. I just don't see it beating the market. I think there are many better opportunities (albeit probably with a higher risk) over the next 5+ years.

MarthaJulietta

Or is it simply possible that at the lows of 50-55 in the last couple years it’s been a very good value buy? I sure didn’t see posts ever day about PYPL VALUE VALUE VALUE when it was trading at $80. You’re conflating the idea that because it is once again at $55 that it wasn’t a good value purchase at that price before. It was then and GOOD GOD IS IT NOW. Look the difference between us is that you are looking at PayPal with their drs pressed stock price with despair. I am looking at it with INSANE GREED. If you shifted your lens to one of risk to reward ratios and understood the power of the buyback program at current rates I think your view would aligned with mine.

dvdmovie1

In 2023 people kept advocating for PYPL on here saying "it's cheaper than NVDA" and then people kept trying to buy the PYPL dip on here in 2024, then in 2025 and now again in 2026... at some point it starts to feel like people don't want to actually look for new ideas and just keep copying others/going back to the same set of things when they don't want to buy growth. See also: frequently mentioned PFE, which has been a "buy the dip" mention on here for years too, like in 2023 when I was frequently told that it was a better buy than LLY because "PFE is cheap and they have an obesity drug too." The obesity drug was a failure, PFE has an atrocious record over the last couple of decades and yet, because it's a household name, it has a high dividend yield and a low p/e that somehow allowed people on here to overlook the incredibly lackluster track record the company has had over the last 20 years or so. Hopefully for all the bagholders it gets sold somehow. Otherwise, at this rate I'm sure we'll continue to be regularly informed of the case for PYPL in 2027, 2028 and 2029.

MarthaJulietta

Keep legging into PYPL boys prices are incredible

MarthaJulietta

When it drops 40% PYPL won’t do that either. That’s ok if you bought the bottom but there will be bag holders.

jnas_19

MU and Google exist yet you buy PYPL and Vital Farms. ✋

MarthaJulietta

PYPL now buying back 11.4% of company per year at this price point. It’s actually insane. Just keep buying

Negative_Win_5117

I’m a savvy investor with a large position in PYPL

Common_Comment_7765

dca PYPL

winston511

Sub lifetime banbet GLXY has more % gain than ADBE and PYPL combined in 12 months

Humorsuz

PYPL is going to lose market share to Apple and Google pay. It is a value trap

WakeningAbyss

Out of all stocks, I lost so much money on PYPL I am well regarded

Cav829

I'm going to start my anime training arc tomorrow by lifting two bags: one labeled PYPL and the other named ADBE.

cbusoh66

NFLX has sucked ass for several years with stale content, ads, no password sharing, and executives demanding studios dumb things down "because their viewers are on their phone while watching" is the nail in the coffin. It's not seeing ATHs ever again, it will be the PYPL of TV entertainment. Couldn't have happened to a more greedier company.

trumpdiego

Let me guess, you probably own PYPL too

dvdmovie1

This sub has been trying to call the bottom in PYPL since 2023. I'm not interested in short or long-term, although agree with OP that short-term it's almost to the point of technically oversold. In terms of double bottom, it's below the low of last April.

I_Am_The_Rooster_

I wish more regards would understand PYPL stock IS the cosmic battle between good and evil they have been waiting for. PayPal and Venmo have the network effects already, now they are building a crypto backbone, and they are adding banking services. This is the central bank killer. It's exactly the same kind of threat as silver. It means there is a future where normal people use real money between each other. PYPL and HOOD and XYZ and MSTR are tip of the spear and it's already in their neck. All we have to do is push. With PYPL we can all make a fortune right now. They are giving the calls away for free. This is is the moment when the Game Stops. Somebody smarter than me make a post.

yeeetcoin

The problem is, they have no upcoming catalysts that could swing the price significantly into the other direction. The stock price has also just grinded down instead of dropping off a headline. Google was being held down because of litigation and ai concerns and when those were addressed, the stock sprang upward. Nothing is lined up like that with PYPL. Might see 10-20% short term gains but why bother when there’s dozens of stocks doing that every week.

Aviation_Space_2003

I know very few people that use PYPL... It's either Zelle, Venmo, CashAPP... Not using an apple device in over a decade is likely the real problem...

advantage_player

PYPL just gets cooked every day

explorer_soul99

You're not missing anything obvious. Here's the data: **PYPL 8-Quarter Margin Trend:** | Quarter | Revenue | Gross Margin | Op Margin | |:--------|--------:|-------------:|----------:| | Q4 2023 | $8.0B | 45.8% | 21.5% | | Q1 2024 | $7.7B | 45.0% | 15.2% | | Q2 2024 | $7.9B | 45.8% | 16.8% | | Q3 2024 | $7.9B | 46.6% | 17.7% | | Q4 2024 | $8.4B | 47.0% | 17.2% | | Q1 2025 | $7.8B | 47.7% | 19.6% | | Q2 2025 | $8.3B | 46.4% | 18.1% | | Q3 2025 | $8.4B | 46.0% | 18.1% | Revenue stable, margins improving from 45% to 47% gross. Not a dying business. **Why the discount:** 1. **Apple Pay / Google Pay competition**: Mobile payments commoditizing 2. **Venmo monetization**: Still unclear how to make money on P2P 3. **BNPL (Afterpay/Klarna)**: Taking checkout share 4. **Management turnover**: CEO changes create uncertainty **Valuation check:** | Metric | PYPL | V | MA | SQ | |:-------|-----:|--:|---:|---:| | P/E | 11.5x | 30x | 35x | 50x | | Gross Margin | 46% | 80% | 100% | 33% | | Revenue Growth | +7% | +10% | +12% | +15% | PYPL is cheapest but lowest growth. V/MA have better margins (network effects). **My take:** At 11.5x P/E with improving margins, downside seems limited. But upside requires: 1. Venmo monetization success 2. Market share stabilization 3. Management proving execution At $58 average, you're paying fair value for a "good enough" business. Not a steal, not a trap. The -85% from ATH was warranted. That ATH was 2021 bubble pricing.

explorer_soul99

Solid picks overall. Let me add data context: **The value plays that check out:** | Ticker | Forward P/E | Op Margin | YoY Growth | Verdict | |:-------|------------:|----------:|-----------:|:--------| | ADBE | 13x | 35%+ | ~10% | Undervalued if AI narrative shifts | | PYPL | 9x | 16% | +7% | Hated but fundamentals intact | | MDLZ | 10x | 15% | +4% | Commodity cost thesis is valid | **Concerns:** **KEP (Korean Nuclear):** PE of 6 sounds cheap but Korean utilities have regulatory risk + currency risk. Also, data quality on Korean stocks is spotty. **TDD (Trade Desk):** This was a 60x P/E stock that crashed. "Significantly undervalued" is a stretch - it's still 30x+ forward. Great business, but priced for perfection. **Devon/Oxy:** Oil at $70-75 is breakeven for many shale plays. If oil drops to $60 (China slowdown scenario), these get crushed. Only buy if you have a view on oil prices. **Your tech warning is spot on:** I pulled the Mag7 vs historical comparisons: | Period | NASDAQ P/E | Current | |:-------|:-----------|:--------| | 2000 Peak | 100x+ | - | | 2022 Trough | 20x | - | | Today | 35x | Elevated but not 2000 | We're not at 2000 levels, but AI stocks are pricing in 5+ years of growth. NVDA at 63x needs flawless execution. Your value approach makes sense in this environment. I'd add: track 8-quarter margin trends, not just P/E. A cheap stock with compressing margins is a value trap.

mutasticx

PYPL, ADBE have entered the room 👀

OprahAtOprahDotCom

Thx , Yea , much less obvious in the financial statements than a company like PYPL, but I think adobe is showing signs of becoming a boring tech value story like IBM, Cisco, or Oracle. Just basically saying, it’s becoming more like value/tech than growth/tech, and it will likely trade accordingly.

James_Rustler_

German market down 1.06% as of now. Worth noting the German market is thin on US equities, so this is directionally useful but not true price discover. Additional tickers. GOOG -2.15% $PYPL -1.72% $ASML -4.05% $NFLX -1.29% $AAPL -1.56% $HIMS -7.62% :O

Crazy_Donkies

The only 5 stocks talked about on valueinvesting are bleeding over to this sub. GTFOH with PYPL.

dvdmovie1

I don't have any interest in buying ADBE at all. I wouldn't buy CRM either. Do I think ADBE is a zero? No, absolutely not - but I also don't see how some don't think that ADBE going forward is going to be more challenged than it ever has been. Names can absolutely get oversold and bounce, but unless I have a thesis for something I'm not buying. I don't want to buy something simply because it appears cheap. Cheap can get cheaper or stay cheap: this is the third year in a row people have tried to call the bottom on PYPL on here despite all indications (peers cratering as well) that the fintech theme isn't what it once was. FINX is -36% in the last 5 years. What is IGV's performance record going to be over the next 5 years? NOW is somewhat interesting and there's a couple of others (the Constellation complex in Canada) but without a thesis there's not urgency just to buy because it's down.

dvdmovie1

I'm not interested but a little surprised nobody talking about Nintendo down about a third off the highs of late last year, largely because of the memory shortage - certainly an issue but one that will eventually be resolved. Instead, people have seemed to go back to PYPL yet again.

Vegetable_Window7417

This right here. They have a lot more competition in the space they used to dominate. Apple’s deal with Affirm to provide pay later services made AFRM really take off around the same time that PYPL stagnated.

Cosephtaughtyou

Ngl i saw PYPL in my screener last night and thought it was odd as fuck

cbusoh66

At one point in 2021, fintechs like PYPL, SQ (now XYZ), AFRM, UPST were all the rage. Some of them reached $100 and $200 billion caps. The similarities to some of the overhyped and the overpumped stocks today are eerily similar. A year later, they all lost 70-90% of their values and some of them never reached the ridiculous 100x sales multiples we see today.

FUWS

Not true at all. I more likely know more people with Iphones who does t use apple pay, including myself. Doesn’t make PYPL bullish, but just saying.

VanitasPelvicPower

I finally sold PYPL at a loss and reinvested in Google. Now that I have sold my structure showing some movement because that’s what happened with BABA

dvdmovie1

It's a maturing/mature company with growth - but increasingly slow growth and not a lot of levers to pull to change that. There is little moat in fintech and a lot of that theme has become commoditized. Why don't people look at peers (the company formerly known as Square is down about 70% over the last 5 years too) and the sector ETFs and see that...they haven't done well either? So you have a cheap stock that is cheap for a reason and has massively de-rated from the growth valuation it was because there ... isn't the same growth story there was. People keep posting about buybacks and yes they can do buybacks but in a market of narratives... nobody cares. How many other companies are cheap and doing buybacks? People pumped this name incessantly on here in 2023 because it was "cheap" then and NVDA "had gone up too much." Nearly three years later PYPL has gone pretty much nowhere. "it’s got a super low PE." ....for a reason. If you have a move towards value, perhaps this gets some more attention but people keep thinking it's what it was 5 years ago and it's really, really not.

Frequent-Ad8273

It looks like PYPL has been affected by some market volatility, especially since its stock price has dropped significantly from its all-time highs. The earnings are good, but stock performance can often be influenced by market sentiment. If you’re holding it long-term, the fundamentals matter more, and short-term fluctuations aren’t as concerning. For short-term trading, you might want to adjust your strategy or diversify the risk. Feel free to chat anytime!

MarthaJulietta

All the PYPL longs here, whats the price point you say enough is enough and slam the monster buy?? For me if we get to $50 after earnings, I am going HAM.

AppropriateGoat7039

I won’t touch PYPL because there isn’t a single person I know who uses it anymore. That’s enough anecdotal evidence for me.

maui-shark-fighter

Dont care. PYPL is a dog and the entire market is catching on to it.

maui-shark-fighter

No, the space they are in is getting more and more competitive as the days pass. And now PYPL is too bloated to pivot quickly.

maui-shark-fighter

PYPL is a value trap. They are not innovative, and in a VERY competitive space with razor thin margins. When PYPL hit the scene they were the only player in the space, but now there are literally thousands of payment processors all undercutting each other for the .000000000001 cents per transaction. PYPL Infra is now to big to be a first mover when it comes to tokenization and other infra changes they need to do to keep up. Unless this fintech can pull some amazing tech out of their stack, they will wither and be just another player in a tight competitive space. They need some hutspuh like SOFi or Robinhood to get their brand relative again.

Rav_3d

I don’t know, but I wait for companies to prove it before getting involved in their stock. The world has been waiting for PYPL to prove it for years. I’m certainly no expert, but it seems to me even though Venmo is popular and PayPal processes a lot of transactions, it’s not translating to earnings. IMO there needs to be a catalyst of some sort that ignites growth. I don’t know if they can find one. Until they do, I will stay as far away from this stock as possible, especially in a bull market near all-time highs. In this space I’m more interested in stocks like NU. Smaller, faster growing.

lipmanz

Hey Market remember PYPL? Great fundamentals,still growing and possible beneficiary of CC rate scrutiny? Market: ….pumps ASTS another 15%

MarthaJulietta

Tough few weeks for my portfolio and my morale. VITL has had essentially 7 weeks of intense selling pressure already and looks like it may fall off a cliff. Tough to understand against their balance sheet and growth prospects. At this point I'm not uber thrilled with my position being so heavy on 4/17 calls I would really like to roll those out a bit if they dont make some serious progress pre earnings. Regardless I'm not folding this- I injected 60k in cash and hit a lucky move on AXTI for 35k so I freed up significant space if things continue to go against me and I need to add on. The selling cant last forever, the business is very healthy and there is a 27% reported short interest which can get squeezed very hard. Even another pity run back to 36 gets me quite profitable and allows me a lot of maneuverability. PYPL also busting my balls but its fine, I sleep real easy with my 2028 calls. I've been accumulating a lot in the last $2 and I hope it stays in the dumps long enough for me to get out of my VITL trade and plow it in at a good price. If there is a good earnings and it somehow makes it to 50, ill deposit another large chunk and and go nuts on a Jan 28 50/85$ call spread. Too much hate and risk:reward is too good. I know yall sick of hearing about these two but too bad. Able_Show troll of the month Some tough weeks behind and probably a couple more ahead too.

Ceriden

There are posts about a lot of things. All in because someone mentioned PYPL. That doesn't help. Odds are people are just masking luck.

Ceriden

There are posts about a lot of things. All in because someone mentioned PYPL. That doesn't help. Odds are people are just masking luck.

grantern2

I’m at -34k bro. It seems like PYPL is the only tech stock to not goto the moon. Of course it’s the one I buy. It makes me want to end things

Negative_Win_5117

P/L since open on my PYPL positions just over $49k now. 💎🙌🏻

grantern2

I’ve also been holding PYPL and ABNB since 2021. Roughly 40k in unrealized losses I’m still sitting on. Seeing that number ever day legitimately makes me depressed

mrkaluzny

Adobe is done - no new products, AI will kill them anyway PS is probably the last product that has some mass market appeal. Figma killed it when it comes to design, for video there’s so many easier to use platforms, content is also made on mobile more and more. Even photo editing - base apps are more then enough for non-pros. PYPL is just wasted potential at this point, they missed so many great plays it’s crazy - BNPL, direct easy transfers - Stripe (how that went by them is beyond me).

Negative_Win_5117

PYPL only down 1.3% for the week. ###Feels Like Winning

True_Veterinarian443

PYPL valuation is really bad: https://www.reddit.com/r/StockMonitoring/s/l0SDGMBiWF

behindcl0seddrs

How was OXY not a steal 2 years ago? How was PYPL not a steal last year? How was JD not a steal last year and right now?

Happy_Discussion_536

I definitely understand PYPL's business and yea it's a value trap for sure despite appearing "cheap".

MetaCooler007

Acrobat is a piece of shit. It's also endlessly shilled by "value investors" alongside PYPL, which should tell you sometihng.

dvdmovie1

I don't want to own Fintech. It was a great theme for a while 4-5+ years ago and has become increasingly commoditized. Some of this stuff will eventually become too cheap and overdone to the downside but I don't see the growth stories re-starting. I remember in 2023 people on here kept going on about how PYPL was a better idea than NVDA because NVDA had gone up too much and PYPL was cheap. They also said this in 2024 and 2025 at times, like when a new CEO appeared and made all sorts of promises. The stock is not much above 2023 lows.

dvdmovie1

Some of these are value traps imo, but I think there's also a patience issue when you go full port "cheap stocks" in a market like this rather than having it be a part of a portfolio. It's rare that I see people that have some exposure to value and some to growth - people seem to have to be in one tribe or the other and when they go fully into one tribe they often talk down the other. In 2023, people on here were incessantly pumping PYPL because it was "cheap" and NVDA had "gone up too much." We all know what NVDA did since, while PYPL has gone largely nowhere. All the discussions in 2023 how people should buy PFE instead of LLY because it was "cheap and had an obesity drug too." A couple of years later, PFE is below where it was and the obesity drug in question was a failure. People keep treating something like PYPL as if the fintech theme is what it was 4-5 years ago. People keep talking up PYPL down 76% in 5 years and the company formerly known as Square is down 70% in the same time frame. Not saying these aren't optically inexpensive but when both names have done absymally during a fantastic period for growth, I think what I don't agree with are these unbalanced takes that "everything is great with this company and nobody gets it." At some point this may attract a bit more attention if people turn towards value, but after three years of hearing about how cheap this is on here isn't there a point where people think maybe this is cheap for a reason? "Adobe, Forward PE of 13 and everyone uses it (also most likely to integrate AI, likely hug rally on that)" It is argubly cheap but that's not a thesis and you don't address the concerns that have gotten it to the point it is. How many other AI image generation tools are out there now? If ADBE sells seat based software to an ad agency and there's less need for as many people to do the same tasks because of AI, what happens to something like ADBE? Lately it's gone beyond ADBE and a lot of software names have struggled in recent months, too.

Trash_Monster_

I like all 3 as speculative picks. I would rank them TTD, PYPL, FISV.

Negative_Win_5117

Even my Boomer shit is mostly green even before accounting for dividends - MO, LMT, CVX, UPS, INTC. A few losers in there like PFE and PYPL but I feel like I can’t hardly lose. Now I’m nervous.

stockerowl

So true, I feel $PYPL is in the same spot! 🤣

Megaloman-_-

Good luck with PYPL……..

MarthaJulietta

Serious question- how do you propose PYPL could get to 40 without going negative from current metrics?

SpruceJuice5

Spoken like someone who's never had PYPL calls before

FadedMangos

That $57 call end of Jan for PYPL got me for 12k. Please no new wars this weekend

Inside_Clerk_4749

Why would you wait until the stock is at long term support to put it? I've actually added to my position in PYPL here. But I'm regarded so I wouldn't be the best to listen to any way

MarthaJulietta

Catching knives is fkn hard. VITL and PYPL stressing my ass out

MarthaJulietta

PYPL is cheap you say??

Mattitudando

Load up on PYPL calls??

quuxquxbazbarfoo

Where did I correct anything you said or twist your words? I was simply making a point in response to your turnaround bullishness that PYPL needs a plan to turn themselves around and they need to execute it successfully. Without that it's not a turnaround story. You didn't say PYPL was one, I never said you said they were, I didn't correct anything you said, I was simply attempting to add to the conversation.

Negative_Win_5117

PYPL gave me false hope today and at this point, I’ll take it.

quuxquxbazbarfoo

About 3.5% right now, which equates to a 28 P/E. I did say that PYPL's P/E was significantly lower than that.

grantern2

Sorry to hear that, man. If it makes you feel any better, in 2021 I sold 2 puts on PYPL at 230, got assigned, and I’ve been holding ever since. Honestly this is part of the reason why I’ve been so depressed over the past few years. Looking at a 35k unrealized loss for years will change a person for the worse

Rav_3d

I have no problem investing in cheap stocks that are beaten down due to broad market weakness. There were many bargains on April 7 2025 that clearly were liquidated for no good reason, and they rebounded sharply. But even then, waiting for the rebound was far safer than buying on the way down. These stocks were “bargains” in March but we had no idea how far the correction would go. I scooped up quite a few bargains, but not until late April/early May when the market was clearly out of the woods. Some of those stocks were already 20% off the lows, but that didn’t matter, they were just getting started. For me, buying a stock in an uptrend is simply a risk management approach. Of course, I look for strong businesses first, but then wait for the market to confirm my thesis before jumping in. When it comes to stocks like PYPL, I just do not see the value at all. Contrarily, a stock like NOW, which like PYPL is also back to the April 2025 low, is something I am keeping a close eye on, because it’s a strong growing business that is just out of favor. There’s no right or wrong when it comes to investing. I cut my teeth on the CANSLIM method from William O’Neill and have built a strategy around that general approach over the years: identify the strongest businesses, but aim to buy their stocks at a time when there is higher probability of success.

zxc123zxc123

Not sure what is the play if it's before earnings. Is China going to invade Paypal headquarters? Is Trump going to say PYPL can't accept credit cards anymore? Is Putin and Iran going to ban paypal from the internet? >*"What goes up must come down.."* Either pure genius or pure retard right there.

zxc123zxc123

I'm not sure if it's bottom or not, but I'm sure OP is a super glue eater: 1. Shorting is a loser's game. 2. Didn't short PYPL when it's at 300+ 3. Didn't short at 200 or even 100. 4. Waits until PYPL has gotten it's price cut 50% then another 50% then another 25% to go short. 5. Does it with less than 30 days worth of time via puts. 6. PUTS EXPIRE ***BEFORE EARNINGS*** Holy shit some folks just love to lose.

Ass-Pounder-4000

Goes up? PYPL has been dumping for a while now. GL though. Hope you get your lambo.

Neat-Zucchini3703

What even is value investing? Buying stocks that never go up? Who tf really thinks PYPL is a good value

Xzlk

I really think PYPL will just take itself private and say fuck you all, and just pay themselves fat dividends every year. That being said, I’m still not buying that shit.

Rav_3d

Gotcha. Yes, I agree, total return is what matters, not just the price of the stock. If you reinvest dividends that is of course growth (more shares) without price appreciation. I thought you were defending PYPL.

Rav_3d

I agree completely. Short-term price fluctuations don't matter. PYPL has been in a horrific downtrend since October 2021, during which time it lost 80% of its value. If you consider this a "short term price fluctuation" then I don't know what else to say.

throwaway9gk0k4k569

> Turnarounds are real... What's the turnaround catalyst for Paypal? I don't see it and I think that's why some people are negative on PYPL. So, tell us, what's the turnaround plan?

Oaker_at

The whole market hates PYPL OP be like: why is Reddit like that?

dvdmovie1

"Every comment is something in the vein of PayPal has no moat Nobody uses PayPal PayPal is in terminal decline" I'm on here every day and I've seen next-to-none of this. I've seen much more general indifference/"meh" about it but indifference now seems to be taken as a tremendous negative when talking about stocks in general. It seems like opinions have to be grouped as either very positive or very negative. I do think that people keep trying to view fintech as the growth story it was 4-5 years ago and prior when it isn't then somehow keep getting disappointed when the thing that is a much more mature company at this point doesn't act like a growth stock. The buyback story isn't going to excite people, especially in this market. "the sentiment towards the company seems purely emotional and vibe based and completely detached from the companies operational metrics." The stock is down 76% in the last 5 years. Presenting the story as "nothing is wrong here and everyone just doesn't get it" seems a bit odd. This sub has really become people talking their book in ways that isn't balanced. I remember in 2023 when people on here were incessantly talking up PYPL because they didn't want to buy NVDA because it had become "too expensive." Stock is barely above 2023 lows.

myironlung6

I bet this guy is -50k on PYPL

freewilly1990s

Is it? They are not random to me. I think we might all be here because we enjoy trading and/or investing. And as Rav_3d said well, everyone [should have] has their own investment philosophy. The whole point of picking stocks is to deviate from the basket that is the market. So, to an extent, I see a strategy a in picking amongst those forgotten. Nothing is sure-fire (not even grabbing 'the meat' once proven), so choose your risk accordingly. I definitely deviated from OP's PYPL thread but didnt feel I was totally off topic. I also didn't say to buy a stock because it hit a 52 wk low, so don't follow that gripe. Re PYPL... im not a fan beyond it being a fun swing trade. The OP notes consistently increasing earnings EPS but thats seemingly a matter of their insane, and consistent share buybacks AND trimming the fluff from a SV darling. I have no confidence in a management team that feels the need to write that amount of executive compensation, and for that long, for such mediocre results. I mean look at the share count, it has not budged! Other issues, better noted by other posters. I dont own PYPL atm, and last saw it trade low 60's so OP had me peek once more.. Cheers,

quuxquxbazbarfoo

That's just cherry picking though. Pick 10 random stocks that were super low a year ago and check where they are now. How many of them had great turnarounds? You shouldn't just buy a stock *because* it's dipped so far. What's the turnaround story for PYPL?

Rav_3d

I’m not sure what you mean by “growth.” PYPL has had zero earnings growth in the past two quarters. No question, uptrending stocks will eventually have corrections, but that is what profit taking and risk management is for. We really do not know how much further PYPL can fall. The stock is one of very few that are below the “tariff tantrum” lows from last April, while many other stocks have gained 100% or more in that time. I’ve had long experience in the stock market and I’ve been here before, hanging on to a losing stock, finding all sorts of reasons why it’s still a good investment even though I’m sitting on a big loss. I learned the hard way in investing, the only thing that matters is whether your stock is going up.