PYPL

RealPennyMuncher

We watching PYPL or what??

grandpa__j

PYPL. I definitionally caught the falling knife. I’ve since taken the loss and moved on, so now I hope they burn.

Bruin9098

$PYPL (2021)

GiveMeAnOption

PYPL. I need it to 4x to get back to my basis.

MarthaJulietta

Yeah I am devastated on VITL absolutely lost my whole ass- all the calls I had have gone to 0 and the shares are down 65%. Thats why I had a gigantic margin bill to pay off. PYPL I'm down on but I've been averaging down a bit as I paid the margin and its not toooooo bad and I want to buy a lot more around 40. I've been nibbling at ABDE UBER SMCI RDDT as well and pretty much the whole suite of them are up today. That said I'm mostly bitching to bitch and theres a good chance they all fall to lower prices in the coming weeks.

bdh2067

LULU, TDOC, PYPL, ACN, ADBE …the list is long. Many of them were “bought by chance, not by choice,” meaning they were assigned after I sold puts on them. So the lesson for all the kids: never sell a put on a stock you wouldn’t buy outright.

AccomplishedNovel969

$PYPL what a joke

BarryBoy76

PYPL always disappoints and now with Enrique things will be even worse, that guy is incompetent on all levels. Unreal that he’s making millions and never does anything for investors. He destroyed HPQ and now he will do the same at PYPL. Hope you got out

lies_are_comforting

Lost 20 % of my portfolio going 100 % PYPL before earnings.

macallan32

I’m going long on PYPL

Wide-Contribution-29

MSFT could be a value trap, but it has a much wider moat than PYPL. Basically a monopoly on enterprise systems. 

ImthatRootuser

What if MSFT is the next PYPL? 💀

Deep_Calls_007

Go to value sub, type in “PYPL” See when they started recommending it.  Then see PYPL 5 yr chart

ETERNALBLADE47

Msft is becoming the new PYPL, value trap

drew-gen-x

$MSFT is gonna become the new $PYPL value stock around here. Stock dilution usually doesn't work out well for stockholders vs stock buybacks. Once that switch has been tripped then we stop getting higher highs and start getting lower lows.

Possible_Version2680

Could we all get PYPL to rally

Peebs1000

Yeah because people won't invest in NVDA or MU because they're too high and will instead invest in PYPL or other "value" companies lol

Sufficient_Habit5091

ADBE is the new PYPL MSFT is the new ADBE META is the new MSFT

Able_Show_8560

There's SO many MSFT and NOW bagholders over in r/valueInvesting. Big yikes. Reminds me of the same vibes when NKE and PYPL were tanking

cbusoh66

At some point in 2021, fintechs were all the rage. PYPL and SQ (now XYZ) reached $300, AFRM was $170, even shitcos like UPST reached $400. Fin media was foaming at the mouth for the great future that awaits. Analysts were coming out with upgrades and new PTs every week. The future was fintech, some even doubted banks and Visa/Mastercard would survive. This is what awaits these sham and endlessly pumped quantum and space companies.

Thetatterer

How do I hide a stock in my portfolio? PYPL is the only one that is green and it is $42 lol in a sea of red and it is annoying the fuck out of me

MarthaJulietta

Man a lot of these value names are dipping into great buy spots. It’s hard to choose between them at this point and there’s only so much money to go around. I want more PYPL SMCI ABDE and I want to dip my toes into LULU and UBER at these prices too. I need to make more money. I guess I should be selling some puts again but I’ve really gotten comfortable with the idea of buying whatever is down every day and dripping the money in instead of ending up with big lots of things go south. It seems very inefficient though to have all that space sitting there and not use any of it when I could be getting 1.5% a month or so. Maybe diagonal puts are the way to go?

SuspiciousSpyderman

PYPL

SelenaMeyers2024

Today is amazing, chtr 4 percent, brbr 8 percent, odd 5 percent, PYPL slightly down (haha)... Overall 4 percent.. I only have a sliver of adobe left tech wise, slightly up, still 20 percent down overall. Thank God all my saas went into brbr and odd a few weeks ago.

reupped

Yea durability and competition has definitely affected PYPL growth prospects which has punished the multiple. PYPL unfortunately something I got tempted into higher than it is now. Seems like a good addition.

TheGrimSpecter

That's fair, but I'd argue PYPL actually proves the point rather than disproves it. The market wasn't worried about whether PayPal's earnings were real. It was worried about whether the growth and competitive position that justified its old valuation were durable.

reupped

Interesting, but follow this and your holdings are 100% PYPL? Look how that has done.

MarthaJulietta

Keep going down PYPL keep going down.

hazedfaste

freak the fuck out and sell everything and pivot into PYPL

VoidMageZero

Those manufacturers that I listed are the winners right now, i.e. high valuations The losers are the asset light software companies: ADBE, NFLX, PYPL, TEAM, NOW, etc.

Suspicious_Fun_5519

I am so disappointed with PYPL, more than 4 years, get some profit at first, then all negative now, cost at $67 😞

Able_Show_8560

$MSFT is the new $PYPL

Soulsetmusic

Investing based on fundamentals is ded bruh, NVO and PYPL are deep value tho check those out 

MarthaJulietta

Thats why I said PYPL.

MarthaJulietta

PYPL lol

dvdmovie1

"What's everyone's read" My guess is that this will be like PYPL on here. 2023 people were saying to buy PYPL instead of NVDA because it was "cheap." 2024: "cheap". 2025 and 2026: "It's cheap" and "buybacks!" as the stock kept eroding. "the market read that as the old machine breaking. " Nothing about the CFO leaving after the CEO had already checked out? So many people on here focused on software companies that didn't excite people enough to generate discussion on here most of the last 5 years before this only because of a "AI is eating software" narrative. Like I've said about NOW, nobody really talked about NOW for most of the last 5 years before this including a 50% decline in 2021-2022, but all because of a narrative people piling in.

Ok-Recommendation925

I hope Burry's string of bad performances with puts doesn't extend to his bullish positions....else both ADBE and PYPL are fucked that's to this one eye canary

Artistic_Chicken_557

How tf you gonna short PYPL?

Ok_Buffalo2027

What did yall trade today? I shorted some AFRM, PYPL and MSTR

Ok_Buffalo2027

When all else fails…. Short PYPL

PMmeuroneweirdtrick

And PYPL

Happy-Champion1661

how do you think burry/valueinvestors feels when ADBE up 1.5, LULU down 2, PYPL up 3. Because the index is up 2-3%. Otherwise they'd be just red. Like every other day. And MU today up 11%, just half days up 10+%, half days up 5%, always up, (almost) never down. LMAOOO

dvdmovie1

"Does most of the analysis on this sub miss the key point?" The key point is that much more was spent on capex this year than last year and much more will be spent next year. The narrative (and much of the last 5-6 years has been narrative driven in some form or another) of AI is considerable and that's what stocks people want and talk about. People can talk about things like "If MSFT is spending all of its free cash flow on AI data centers and demand doesn't materialize, their stock price is fucked" and it might not be until 2028 until that is realized for all we know. People on here in 2023 were going on about how people should buy PYPL instead of NVDA after the latter had started to run up because "PYPL was cheap and AI isn't going to happen." "capabilities of AI models, their use cases, how much value they are delivering to companies etc." What that looks like is considerably different than it was a year ago and will quite possibly look quite different 6 months from now. We're at the point where the government is suspending access to Anthropic's Fable and Mythos - https://www.anthropic.com/news/fable-mythos-access "Somewhere around 26/27 or so, the mood in Washington will become somber. People will start to viscerally feel what is happening; they will be scared. From the halls of the Pentagon to the backroom Congressional briefings will ring the obvious question, the question on everybody’s minds: do we need an AGI Manhattan Project? Slowly at first, then all at once, it will become clear: this is happening, things are going to get wild, this is the most important challenge for the national security of the United States since the invention of the atomic bomb. In one form or another, the national security state will get very heavily involved. The Project will be the necessary, indeed the only plausible, response." - "SITUATIONAL AWARENESS: The Decade Ahead Leopold Aschenbrenner, June 2024" (https://situational-awareness.ai/)

MarthaJulietta

Ah I keep trying to see PYPL down at 40 or below but it just wont go.

ateranol

Very tempted to create a value trap protffolio of ADBE, BSX, INTU, PYPL, LULU and see how it performs

MarthaJulietta

cant wait to buy more PYPL tomorrow morning

Crazy_Donkies

Yeah people still buy PYPL.

IHadTacosYesterday

Speaking of PYPL, I'm selling a bunch of stuff on Facebook Marketplace, because I'm going to be moving cross country and don't want to take a bunch of stuff. I was hoping that people would pay me with cash, but many of them want to use apple pay or zelle or whatever. I tell them I have PayPal, and they usually say.... "Oh wow... a blast from the past". This lady today that bought an air fryer from me said that she hadn't used her PayPal account in over 10 years and had to see if she could even sign into it again, lol I lost over 8k investing in PYPL but I sold it a LONG time ago. My loss would have been way worse if I still had it. One of the best decisions I've ever made in investing was selling PayPal and realizing that 8k loss.

aftherith

Hi guys, I've been really busy with life the last few years. Back in late 2021 I decided to just buy 3 good stocks and forget about it. I split 1 million 3 ways into PYPL ADBE and NKE. I haven't checked since but I am sure it is 2-3 million by now. Investing is magical.

MarthaJulietta

SMCI and PYPL looking real juicy rn. December $30 puts on SMCI selling for 24% lmao. Unfortunately they arent doing their stock sale till July so there is still room to drop but markets are pricing it in hard. I will wait a couple weeks and look to sell a truckload of $27/$28 puts if it falls a bit more and use the proceeds to buy stock. Hopefully it prints for December

Charming_Raccoon4361

ADBE is PYPL and MSFT is new ADBE and META will be the next MSFT

Sufficient_Habit5091

ADBE has become the new PYPL.

Able_Show_8560

is $MSFT the new $PYPL/$NKE?

WhiskyDeck

SPCX Revenue 18B, Market Cap 1.65T, Net Profit -5B, share price 165(?) PYPL Revenue 34B, Market Cap 36B, Net Profit 5B, share price 41 Be safe out there!

WhiskyDeck

SPCX Revenue 18B, Market Cap 1.65T, Net Profit -5B, share price 165(?) PYPL Revenue 34B, Market Cap 36B, Net Profit 5B, share price 41 Be safe out there!

xLongterminvestorx

If you want to be rich, you must go long on PYPL stock, that's knowledge

Choice_Potato_6279

PYPL and Nike have found the bottom, now they gonna rocket!

lvAvAvl

Have you used PayPal? It's utter trash, no f'n way I'd buy PYPL.

Expensive_Special120

Thanks. Noted and shirting PYPL

Legendary-Lemon

You know: PYPL looks nice.

ddrsdght

So is PYPL

RetroPianist

right.  certainly not a double.  to be fair, though, one should look at more than one analyst.  some have PYPL target over 80 which is indeed a double

RetroPianist

what is your take on the OP’s statement?  he’s calling the bottom on PYPL at $40 and asking if people agree.  do you agree?

awetfartruinedmylife

people love being raped by PYPL, who am I to stop them

LetigiousBoobFart

change my mind: META is the new PYPL

Miacali

PYPL has always been (well not always since its covid drop) irrationally hated by the market. The stock gets punished for the company doing well.

lies_are_comforting

“They’ll probably see 45-50 some time this year” so you’re saying I’m likely to get 10-20 % gains within six months? Sounds like it was a good decision to camp all my money in PYPL, then.

RampantPrototyping

PYPL been flat for 10 years lol

xghtai737

I'm not sure some of you guys realize how aggressively PYPL has committed to buying back shares and what the potential that has on the share price. It is basically using its entire free cash flow to buy back shares. PYPL has TTM $5.5 Billion in free cash flow, 892 million shares outstanding, and a market cap of $36 Billion according to FinViz. Suppose for the next 5 years PYPL has 0% free cash flow growth, it spends its entire free cash flow on share repurchases, and its market cap remains unchanged. What happens to the share price over that time? Suppose it repurchases $5.5 billion worth of shares this year at an average price of $43. That's 128 million shares removed, 764 million remaining. To maintain a constant market cap of $36 billion, the share price would have to increase to $47. In year 2 it repurchases $5.5 Billion worth of shares at an average price of $47. That's 117 million shares removed, 647 million remaining, and at a market cap of $36 Billion the share price would be $55. In year 3 it repurchases at an average price of $55, 100 million shares are removed, 547 million remain, and the share price goes to $66. In year 4 it repurchases at an average price of $66, 83 million shares are removed, 464 million remain, and the share price goes to $78. In year 5 it repurchases at an average price of $78, 70 million shares are removed, 393 million remain, and the share price is now $92. **That is a 126% gain in 5 years with zero earnings growth.** What if free cash flow declines by 5% per year and it stays at tiny 6.5x free cash flow? Year 1 it repurchases $5.5 billion worth of shares at $43, removing 128 million shares with 764 million remaining. The price goes to $44. Year 2 it repurchases $5.23 billion worth of shares at $44, removing 119 million shares, leaving 645 million. The share price goes to $50. Year 3 it repurchases $4.96 billion worth of shares at $50, removing 99 million, leaving 546 million shares. The price goes to $56. Year 4 it repurchases $4.72 billion worth of shares at $56, removing 84 million and leaving 462 million shares. The price goes to $63. Year 5 it repurchases $4.48 billion worth of shares at $63, removing 71 million and leaving 391 million shares. The price goes to $71. After 5 years free cash flow has declined by more than $1 billion and the market cap has now declined from $36 billion to $27.66 Billion. **But, even assuming a 5% annual decline in free cash flow, that is 74% upside in 5 years.** That is what extremely aggressive buybacks can do. If PYPL has any sort of growth, even very low growth, if there is any sort of re-rating to more than 6.5x free cash flow, it just goes higher.

talkthispeyote

-10% is bad when you have 5,000 PYPL shares

lies_are_comforting

10 % isn’t bad when you have 5,000 PYPL shares

MitchCurry

I appreciate the detailed response. I'm still pessimistic on PYPL but I hope I'm wrong for your sake.

xghtai737

> Trademates shows PYPL at a P/E of 7.2 with 5.8% revenue growth - that's a value trap, not a value play. What is it about either of those numbers that makes PYPL a value trap?

aa73gc

Well at least PYPL provides a service. A shit service, but a service none the less. Why on earth would you invest in MSTR when you can directly invest in corn, they move step to step

Foreigntragedy

what do you think is a more dogshit stock, MSTR or PYPL? its honestly close but would have to pick mstr

howdyr

PYPL is a long-time value trap for me. And I have been trapped twice...I will never touch it again.

MitchCurry

I remember in Feb when it plummeted and you commented that you had been wrong and PYPL was more of a disaster than you thought. I'm paraphrasing but you definitely commented a version of a mea culpa. What changed? Genuine question.

Pizza_n_Tendies

PYPL going out of business? 7.7 P/E lmao

MarthaJulietta

I know this has been hashed out 10000 times by now but the value on PYPL is getting outright ridiculous. Enterprise value is under 36B w/ 6B of yearly buybacks scheduled going forward and a 1.35% dividend. All of my daily buying is going into it now.

POWRAXE

Co-signed a PYPL bag holder 5 years and counting.

tradematesHQ

Trademates shows PYPL at a P/E of 7.2 with 5.8% revenue growth - that's a value trap, not a value play. The risk level is undefined but the analyst consensus is 'Hold' (34 analysts), which tells you everything. The catalyst for the drop? No verified catalyst here, just years of sentiment decay. The buyout rumors are dead. For an action plan: don't buy 5,000 shares thinking $40 is the bottom. PYPL could easily drift to $35 if the market sells off. A small position at these levels is fine for a turnaround play, but the business isn't growing and the multiple compression story is tired.

BigDaddyDolla

Look at a concept called trend following and then see how that applies to PYPL at the moment.

pbspbsingh

And what kind of insider info you've to know that bottom is in. Let me give you third more likely ending: PYPL sitting in range of 30-40 for 2+ years, holding your money while entire market goes 30% up.

Artistic_Chicken_557

At one time in life I justed wanted to drink and play video games. No cares in the world. Then I had kids. I felt the warmth of their smiles. The closeness of their huge Dada...I love you... I was enough to melt my heart. And you know what? After 4 years of being a father I found out I still just want to play video games and drink. Wtf was I thinking. PYPL 1/28 40c

Rav_3d

There've been bottom callers in PYPL all the way down from 300+. Guess you have as much chance to be right as the rest of them.

ProofByVerbosity

Hahahahaha.... - signed a PYPL bagholder 3 years and counting.

verifitting

Ok, full porting PYPL. 

MarthaJulietta

Who cares buy PYPL

MarthaJulietta

On the bright side my PYPL isn’t feeling this too much but on the flip side, I’m majorly in PYPL.

dvdmovie1

There are software names that I think are interesting that got caught up in selling, but I still don't understand the people who were all excited about things like CRM (which nobody's really been excited about on here/talked much about for years before this) because of a "AI is going to end software" narrative that wasn't even really the case: it was simply a re-rating of a sector (software) that for years had traditionally been expensive. Nobody on here was talking about buying software stocks that were down 50% in 2022 but now with a narrative this year the same stocks down 50% became a big topic. The long AI/short software trade will (and did, I think you've seen some of that lately; NET getting sold, having a so-so quarter and then ramping about 45% in a month on no news) get way over-extended, but if software names can't put up good numbers then bounces won't sustain. Some things will put up good numbers and start moving higher again (SNOW), some won't - and some of the latter will probably look like the chart of PYPL over the coming years as people talk about "but it's cheap!" and "the buybacks" like they did for PYPL on here for a lot of the last 3 years. If people are going to make software bets, imo there has to be a very strong thesis as to why that particular name won't be disrupted.

zxc123zxc123

Too much risk for too little reward and DD that is too "first order logic" for my tastes? * PYPL was Elon's baby until it wasn't. X.com and paypal were both sold. In that sense, Elon has largely used Tesla as a piggy bank for the past few years. Elon might do a reversal but he's also just as likely to completely ignore TSLA once SpaceX becomes his "main thing" like how he ignores most of his multiple wives/children but always has time to publicly beef with Vivian Jenna Wilson on X. * Also reverse merger by Dec is highly unlikely since SpaceX will be facing selling pressure from early investors, be trying to get into the S&P500 by making their earnings/requirements, and dealing with massive retail vol. If anything it's more likely TSLA goes up with together with SpaceX in sympathy of Elon's success. * I suspect certain Elon fanboys (or even institutions) will be moving FROM Tesla to SpaceX either due to needing capital and possibly to limit total exposure to Elon. That should put future downward pressure on Tesla GOING FORWARD. This is a critique of OP's trading ability rather than of Tesla: * The Dec 2026 call is just a straight up bad technique. Since it's almost to the end of they year but doesn't give you the OPTION^(get it? Calls are options) to realize earnings in both 2026 and 2027 tax years. Better to buy the Jan 2027. You can always exercise or sell early with the Jan'27. * On the flipside, Dec'2026 call means OP loses the option to realize potential losses in 2027. If they lose, it HAS to be in 2026. Sure you can roll your losses forward, but again you still have less optionality. * Even if we ignore the post lockup sells. And we also ignore the investor money shift from TSLA to SPCX. Plus we also assume Elon would want to do a reverse merger. Even with all those. Elon probably wouldn't be focused on that so much as he would be on making 4 quarters of profitability so SPCX can enter the S&P500. That is the holy grail that will secure his bag as well as SPCX. Not merging with Telsa. If anything doing that will likely create a situational loss that might RISK index inclusion.

zdayatk

I bought a lot of PYPL shares near $50 price level. I anticipate that PYPL price per share will go around $100 until end of 2028. It is now a value stock, not a growth stock. P/E of PYPL is currently 7.7x, which is insanely deep value territory compared to JPM (15.2x) and BofA (13.5x).

MarthaJulietta

Gonna buy more PYPL tomorrow 😊

Thick-Butterfly8334

Should we make PYPL moon

Mr-Gambini

Fellow bag holder here. $100k at $41. Your $108 avg is your $108 avg. Adding more to "lower your average" is loss aversion talking, not investment thesis. The right question isn't "how do I get back to even" — it's "if I had this six figures in cash today, would I put it all in PYPL?" If the answer is no, don't do it. If the answer is yes, size it like a new position, not a rescue mission. Here's what's actually true after Q1: * Beat on revenue ($8.35B vs $8.05B) and EPS ($1.34 vs $1.27) * Branded checkout finally inflected from +1% to +2% — but QTD Q2 already decelerated back to \~1% * $1.5B cost savings program over 2-3 years (real but reinvested, not all dropping to bottom line) * $6B annual buyback at \~15% of float — this is the actual bull case * Active accounts went flat, MAA dropped sequentially 231M to 225M — this is the actual bear case * Q2 guide is -9% EPS which is why the stock got smoked despite the beat Fair value is probably $55-65. Bull case $70-80 if Lores executes the HP playbook. Bear case $35-40 if active accounts keep stalling. You're not getting back to $100 unless the multiple expands AND the business reaccelerates AND macro cooperates. I expect that to happen in 1-2 years but unlikely in the next 12 months.

dvdmovie1

> Everything is so inflated In 2023, lots of people on here said that NVDA was overvalued and to buy cheap PYPL instead, or the tons of people on here who kept pushing PFE instead of LLY because "PFE was cheap and had an obesity drug too." PYPL and PFE are much lower than they were 3 years ago while NVDA and LLY are multiples of their 2023 prices. I'm not saying that a lot of the market isn't expensive, but 1) buying the cheap but worse thing is not always a good idea and 2) it's to a point with this sub and wanting to be bearish and contrarian where the true peak of valuation will probably be when the majority of this sub gives in and starts liking the market. "Right but how severe will the correction be? " How many people on here went to cash in March because of geopolitics only to have tech stocks go vertical off the end March lows? People scrambling to avoid a what, 10% market correction (which used to be considered healthy and normal?) This sub doomposted right through the correction and continues to, much like it did last year. At some point it really becomes, build a portfolio you can sit with and stick to it and not invest with one foot constantly out the door and feeling like you have to micromanage every day. People making investing way more stressful than it needs to be.

BarryBoy76

The business is deteriorating quickly. New CEO Enrique has a terrible track record, Alex was way better at least he had vision. Share repurchases have done nothing to the stock. I believe we haven’t seen the low yet on this one, I see it dropping towards $25 or below. Enrique already warned Q2 will be terrible and I believe they will guide down. If someone don’t buy then I don’t see them around to close out the decade. Their profit is declining fast, they keep purchasing shares to mitigate it but it’s not enough. Competition is better, faster, cheaper and more innovative. PYPL is a dinosaur and the restructuring into 3 businesses is so old school. They should pour billions into innovation, if they don’t do something drastic this company will be gone before 2030. I wouldn’t touch this with a 10 foot pole.

MarthaJulietta

Good day to buy some PYPL. Divvy up to 1.35% now

us1549

Went ALL in on PYPL 11k shares at $41.90

tirtha2shredder

Name a more dogshit stock than PYPL. I'll wait....