Reddit Posts
Can you tell when I discovered options?
What kind of announcement from PayPal would justify me dumping money into it this morning
Puts on PYPL in prep for 1/25 announcement. Made enough to cover bills for the month.
Warren Buffett's New Secret Stock PYPL?
$PYPL Ad: Six innovations that will revolutionize commerce
Anyone have positions on $PYPL in anticipation of Jan 25 news
PYPL Crash- still room for 1/26 gains?
New Meme Stock On The Horizon!!! and more
Did I just make half a million by mistake?
Huge volume increase in PYPL $85 Call 1/26
It's been quite the six figure (several) ride down over the past year. No one tells you it gets faster as you get closer to zero. Inherited
Been quite the 6 figure (several) ride down this year. No one tells you it goes faster as you get closer to zero
Paypal rally after the CEO came on CNBC in a nutshell
PayPal: Substantially Undervalued - Market Fails to Recognize Growth Potential
We’ve seen your picks for 2024 stocks, what about which ones are going to be flat?
I'm back with another 6 figure YOLO with $PYPL
🔥 PayPal (PYPL) - The Comeback Play! 🔥
PayPal Stock PYPL 2 Targets Major WIN Ahead 1 Critical Barrier Broken for Stock Holders
2024 and the 1099-k. How will the market react to the tax on side hustle?
2024 and the 1099-k. How will the market react to the tax on side hustle?
If everybody is predicting a recession, why are payments companies absolutely booming?
At least this week was better. Still down huge on PYPL.
Sold puts on Tesla as it tanked below $200. Bought PYPL and PLTR calls before earnings. Bought SPY calls before Thursday’s rally
$PYPL LFG Paytards I didn't hear no bell
Why is $PYPL so hot amongst this sub atm?
Suggestions on how to recover losses if I am not selling my winners
When do you close 0DTE or 7DTE?
I’m down so bad the only logical thing to do was buy more $PYPL
Is there anything that makes PYPL attractive right now?
Thoughts on Higher Value Dividend Stocks that have been pushed down recently?
The overall market sucks…please allow discussion of penny stocks
Just turned 18 Buying my First Options Calls-Puts Ever
At least I’m not doing as badly as the “PYPL has a moat” guy.
US tax citizens, why do you like dividend paying stocks?
Exploring the Depths: PYPL and SQ Stocks nearing 52-week Lows – Is it time to dive in?
Exploring the Depths: PYPL and SQ Stocks Nearing 52-Week Lows – Is It Time to Dive In?"
I am about to make the bet of my life - Financial Freedom by 2025 or Nothing
Took out student loans and went all in on $TSLA $PYPL $PLTR $TRIP after finding out my swimmers are active by my wife pixie stick.
PYPL YOLO increased to $106k. Deep Value Edition
u regards think $PYPL is a good match for X ?
Mentions
Tell me about it, when PYPL fell from its ATH to 110 I thought I was getting a 'discount'. Been bag holding for many years now.
PYPL for the risk averse degenerate gambler. GOOG if you believe the bull run has at least 6 months of retard strength. MU if you know how to put in a GTC close order and get out while you can.
2x leveraged bitcoin and PYPL holding after earnings. Also meta dip buyer
I have a a few small plays on dividend stocks I’m willing to wheel if I get assigned. Im averaging into PYPL right now but that’s my only decent idea at the moment.
I bought UNH and PYPL and Pltr. Gonna jump into a long play
PYPL and Moderna . Still holding, bought in 2020-2021.
I averaged down my calls for NKE, TGT and PYPL for half the price I paid for them a month ago. Look forward to repeating this again 😤
PYPL, 10-11x forward earnings, still growing relatively well. I'll just hold for the new dividend/buybacks.
I am shifting my portfolio heavily right now. I sold a lot of nonsense stocks that I had (ROOT/DKNG/EDIT/BB some others) and piled into VITL at 32 and PYPL at 59. My portfolio is getting extemely concentrated. I view VITL as a bit of a gamble and PYPL as an insanely good value buy
Who else is losing their house on PYPL?
down $6,000 since halloween. still up $11,000 YTD current portfolio: 1) META 100 shares @ $666.20 with ~$4,000 collected in premiums so far 2) PYPL 129 shares @ $65.8 with ~ $203 collected in premiums 3) SMCI 400 shares @ $37 with ~ $418 collected in premiums 4) SNAP 300 shares @ $10.33 with $631 collected in premiums
if we all can just come together and agree to go all in on META, PYPL, SMCI, and SNAP, then i can unload my bags. LET’S DO THIS PEOPLE
please use proceeds to help me out of my PYPL, META, SNAP, and SMCI bags
Great explanation of Tom Hayes. I started following him in Fall 2022 and made my first sizeable 401K contributions based on his bullish outlook. It really paid off just index funding it! I don't believe in timing the market but if its down then its a great time to transfer from checking to investing account. I bought CRK at $7.41 based on Tom which has been a wonderful ride. I'm up 76% in INTC, 92% in ALB, 41% in AAP. I missed the bottom of BABA but currently up 26%. I like QXO for a 3+ year hold (currently -13%). I bought more PYPL today. I work in biotech and wouldn't recommend positions for anything in the sector. There is a headwind coming from every direction.
PYPL is unfortunately connected to crypto and is moving with that market
PYPL has to be the AIDSiest stock in the history of the stock market
The valuation on PYPL just doesn't really matter. If the Block announcement shows anything, its this whole sector is about growth. If you own it, it might be worth looking to sell here. There really isn't much upside potential. If last earnings couldn't move the needle, I don't really see what will for it. It can easily be trading down into a ratio of 5. I mean, look at WU. It trades at a multiple of like 3-4 or something.
Probably the market telling you the company is seeing low to single digits of revenue growth in a really crowded fintech space. I don’t PYPL is the worst investment out there. I just worry it looks a little bit like a value trap. Just doesn’t seem like a name that will outperform the market.
PYPL FWD pe' based on projected nominal growth of 13% over the next 5 years. 2026 = 9.83 2030 = 6
I don't know how PYPL had one of the best ERs it's had in a while, with so many tailwinds, with a great valuation, and it's just absolutely dumped. The technical picture doesn't look good but I would be buying this dip if I didn't buy the previous 5 dips.
After PYPL hits zero then what?
Time for PYPL s buyback announcement
i just need jensen to announce NVDA is buying the metaverse and also taking PYPL private at $67/share
PYPL market cap now less than 2x its yearly revenue
Threw $50 into PYPL just to keep an eye on it in my stock screener. -22% in 3 weeks.
SOFI, AMD, META, AMZN, PYPL, HOOD, BMNR, AXON, HIMS, NU BMNR is killing me.
TGT - he doesn't buy trash with weak economics. MET - he buys property casualty AIG - too unwieldy and complex to analyze, not a clear competitive advantage. He's much more likely to buy something like PGR or a smaller insurance company. PYPL - unclear sustainability of moat SPL - he doesn't buy pharma trash
Berkshire has over $340b in t-bills. Assuming they pay a 20% premium to current fair market value, papa could take $TGT, $AIG, $MET, $PYPL, and $SPL private. Those 6 companies rank #100-#96 in market cap respectively. He would have $26b in cheeseburger money leftover when he's done. Brazy
I've been buying LEAPS since 65 legging into a large position.. At 58.5 I'm consolidating almost everything I have into LEAPS for PYPL and sleeping easy. They are gonna buy another 10% of the company back this year and are handing out a 1% dividend. If they can have another Q or 2 with results similar to Q1 of this year they are gonna be back at 90 before you know it. I think the price is getting ridiculous
Enjoy my entrance to PYPL as a community member.
I just used up the last of my cash on PYPG. With PYPL at 61 and analysts price target of 84 and some up to 100, I'm optimistic that there will be a good return here after the holidays and online spending. DYODD
META needs the SNAP, NVO and PYPL treatment
PYPL forward PE 10 LOL
PYPL always finds a way to dip more than the market and rise less than the market
All my mid/small caps are getting crushed. PYPL/VITL/SMCI all been getting WRECKED.
PYPL is #1 BS company and stock
What stocks are getting tax loss harvested?? NKE, PYPL, ADBE maybe 🤷♂️
If PYPL hits 58.5 we’re depositing 100k and firing it all on LEAPS
PYPL is a very safe investment at these levels. If you’re going away for 3-5 it seems great to me. If it’s more like 7-10 I’d recommend some ETF.
FYI Venmo is owned by PYPL. I think people forget how solid PayPal really is.
Great question. So I would say it's less about rotating into depressed things as much as it's rotating into things the market views as safety/defensive, stuff like consumer stables. [https://www.investopedia.com/terms/d/defensivestock.asp](https://www.investopedia.com/terms/d/defensivestock.asp) >A defensive stock provides stable earnings and dividends regardless of the state of the economy and stock market and are often sought during times of turmoil. >Well-established companies that make consumer staples, such as Procter & Gamble and Johnson & Johnson, are considered defensive stocks. So are healthcare and utility companies. >Defensive stocks offer lower share-price volatility than other stocks but because they are non-cyclical their share prices often lag those of growth stocks during strong bull markets. Something like PYPL I'd assume would probably still do bad in the case of a regression, even with a good valuation. Just because the nature of the stock. If less people are working, less people are spending, which means less people are likely to use PYPL. On top of that, it's already a crowded space to begin with. Outside of PYPL, there is already like cash app, venmo, apple pay, android pay and that's just naming off the top of my head. Everyone has different views and approaches in terms of valuating a company and determining if it's undervalued, fairly valued or overvalued. You can use something like PE, but that can be even tricky. Different sectors have different PE ranges. A bank will normally have a lower PE than a software company. Same thing with like Price to Book or P/B. Even with PE's, there are things like value traps, which look overvalued, but the market doesn't want to give the assets a high PE for varies reasons, like slowing growth. [https://www.investopedia.com/terms/v/valuetrap.asp](https://www.investopedia.com/terms/v/valuetrap.asp) >A value trap is an investment that appears undervalued but lacks potential for growth. >Value traps often feature low valuation metrics for extended periods. >Investors should determine if low stock prices are due to temporary or permanent issues. >Value investors are susceptible to value traps due to their focus on fundamental analysis. I personally like using PEG to try to determine value, since it takes into PE and EPS growth and is kind of agnostic to the sector/industry. I also like to keep it simple in terms of how I invest, so PEG helps out with that. I look at other things besides PEG to determine if I want to buy a stock. Like I look at quick ratio, ROIC, eps growth and revenue growth as some key factors. As long as the story makes sense, I don't fret about the price too much. That's the thing about investing that is rough/sucks. You can find something that looks awesome, but the market isn't really interested and you can still lose money on the asset.
question for those more experienced with market corrections and crashes / recessions. when the market has largely negative breadth prior to a correction, with a few select stocks driving the bubble higher but lots of "cheaper" stocks in the market that have been depressed (UNH / NOVO /PYPL for example) - how does liquidity flow into these depressed stocks at the top and as the correction/crash occurs? do these depressed stocks also participate in the crash/corrections, despite already being in "corrections" themselves during the bubble? example - let's say paypal remains at 62 with improving fundementals at the top. would we then expect Paypal to "crash" as well (say down to the 40's/low 50s')?
It's insane. PYPL is lower than it was November 2017 at this point. 8 years ago
Fuck it I sold PYPL for a loss yall can have this shit stock
PYPL may be the shittiest stock that I've ever seen
BAX is a great example of a Hayes pick -- you look at the balance sheet and do a DCF and you wind up with a share price in the mid-30s as base case, higher if things break right for you. Then out of nowhere comes a recall and the stock is now in the 18s but the DCF still says mid-30s. Then tarriffs/war/market meltdown occurs and now its 14s....you get the picture. I've seen this with his BABA recommendation, with his CPS recommendation, sooo many others. With Hayes, his picks have a decent chance to be home runs (100%+) but the pain of holding through a turnaround can be brutal. Of all the company's he's discussed QXO is the one I'm most skeptical of--I dislike the "steve jobs will come in and make everyone millionaires" narrative for investing...noone ever seems to ask "what happens if Steve Jobs dies?". PYPL -- clearly undervalued but the fed cuts are going to negatively affect OVAS revenue. If US consumer slowdown then its going to be a tough 2026. I haven't seen many articles on it, but the Durbin debit interchange ruling is making their whole debit card business somewhat questionable. I'm looking to be a buyer at some point. VFC -- no thanks. I don't trust the management to be honest in re: timelines as they were...lets say too optimistic back in Q1/Q2 regarding Vans. I think he does the podcast because its a good funnel to acquire business \[same reason he's branched into marketing swag\] and this is how he started the promotion for his fund (he's done it for a while and has the format down). Also -- his politics aside, he seems like a genuine "nice guy" who likes doing press hits..the media hits feeds his youtube channel/blog which feeds his business which in turn feeds his media hit.
This is a great overview that seems to encapsulate his investing thesis quite well. Of the four of his picks that I chose to invest in, BAX is my biggest loser right now. I was lucky enough to get in before its most recent earnings report- even though he was singing its praises at least 2 earnings reports ago. And then I put a little more back in a week ago. So my ACB isn’t too bad. Hard to imagine what his paying clients that gave him upwards of $1 million might think about this one. I got in a little high at QXO. I’m in PYPL but not down by much. Was a tough decision but I decided to put some more into it today. Invested in VFC pretty low so that’s what’s keeping me afloat when you average out my gains/losses of the 4. But it is volatile. I haven’t been watching him for more than 6 months but I do see what you’re saying about him sometimes slightly leaning into politics. He also can be cocky sometimes and it’s a little off-putting but hey, he’s providing free content with relatively sound advice. Also, I wonder why he does these podcasts to begin with. He has clients that give him millions of dollars yet he’s sharing all the same knowledge and stock picks to viewers on YouTube for free. Maybe it’s hubris and he likes being quasi-famous? Or maybe he genuinely wants to help people. Either way, I plan on holding on to those for while.
This is a great overview that seems to encapsulate his investing thesis quite well. Of the four of his picks that I chose to invest in, BAX is my biggest loser right now. I was lucky enough to get in before its most recent earnings report- even though he was singing its praises at least 2 earnings reports ago. And then I put a little more back in a week ago. So my ACB isn’t too bad. Hard to imagine what his paying clients that gave him upwards of $1 million might think about this one. I got in a little high at QXO. I’m in PYPL but not down by much. Was a tough decision but I decided to put some more into it today. Invested in VFC pretty low so that’s what’s keeping me afloat when you average out my gains/losses of the 4. But it is volatile. I haven’t been watching him for more than 6 months but I do see what you’re saying about him sometimes slightly leaning into politics. He also can be cocky sometimes and it’s a little off-putting but hey, he’s providing free content with relatively sound advice. Also, I wonder why he does these podcasts to begin with. He has clients that give him millions of dollars yet he’s sharing all the same knowledge and stock picks to viewers on YouTube for free. Maybe it’s hubris and he likes being quasi-famous? Or maybe he genuinely wants to help people. Either way, I plan on holding on to those for while.
Where are you getting that from? PYPL is all over all the investing subs and twitter and youtube. Retail loves that dog. It's borderline memestonk territory.
Can someone explain why PYPL is down nearly 20% since earnings?
right now I've been buying some REGN, CRM, ZM, PYPL, DUOL, ELF if you asked me this question 6 months ago I was buying AMD,
PYPL and HOOD fucked me for 11/14 but I think CSCO just reversed all that.
I’m on your side I don’t think they are or can generate money from it, but they do have a user base so there’s potential for an opportunity? I don’t know, I wouldn’t touch PYPL
My positions relative to QQQ PYPL - Underperforming by 4.5% META - Underperforming by 22% Fuck me 😭
Perfect — here’s a one-page investment memo for PayPal Holdings (NASDAQ: PYPL) as of November 2025, summarizing the company’s latest financials, strategic momentum, valuation view, and key risks. 📄 Investment Memo: PayPal Holdings, Inc. (PYPL) Date: November 2025 Analyst: ChatGPT (GPT-5) Sector: Fintech / Payments Ticker: PYPL | Market Cap: ~$75B Recent Price (Nov 2025): ~$68–70 52-Week Range: ~$50 – $82 🧾 Investment Thesis PayPal is executing a credible turnaround under CEO Alex Chriss, transitioning from stagnation toward profitable, diversified growth. With improving transaction margins, renewed consumer engagement through Venmo, early traction in advertising and AI-driven commerce integrations, and the reinstatement of a dividend, PayPal is re-emerging as a cash-rich fintech with multiple growth levers. Valuation remains compelling relative to peers, suggesting upside potential if management sustains EPS momentum and TPV growth. 💰 Recent Performance (Q3 2025 Highlights) Revenue: $8.42 B (+7% YoY) Non-GAAP EPS: $1.34 (+12% YoY) TPV: $458 B (+8% YoY) Free Cash Flow: $1.7 B Active Accounts: 438 M (+1% YoY) Transaction Margin Dollars: +6% YoY Dividend: Initiated at $0.14 / quarter (first in company history) Buybacks: $1.5 B repurchased Q3 alone Outlook: FY25 non-GAAP EPS $5.35–5.39 (raised). Management emphasizes “quality growth” and cost discipline. 🚀 Key Catalysts & Positives 1. Venmo Monetization: Launch of Venmo Stash cash-back program aims to drive debit card spend and interchange revenue. Venmo card penetration now a key monetization vector. 2. PayPal World / Cross-Border Expansion: New platform linking to India UPI, Mercado Pago, and Tenpay Global opens high-growth remittance and merchant corridors. 3. PayPal Ads: Building first-party data ad network leveraging merchant insights — potentially high-margin incremental revenue. 4. AI & Agentic Commerce Partnerships: Integrations with Google, OpenAI, and Perplexity to enable “smart checkout” and embedded payment flows. 5. Capital Returns: Dividend + accelerated buybacks signal confidence in steady free-cash-flow generation. 6. Crypto & BNPL Product Expansion: Enhanced stablecoin and BNPL infrastructure expand addressable markets beyond traditional checkout. ⚙️ Financial Health Net Cash Position: ~$3 B (cash – debt) Free Cash Flow Yield: ~9–10% Operating Margin: ~23% (non-GAAP) ROE: ~21% No material near-term debt maturities 📊 Valuation Snapshot (as of Nov 2025) Metric PYPL Peers (Avg: V, MA, SQ, ADYEN) Forward P/E ~12× ~21× EV/EBITDA ~9× ~16× FCF Yield ~9–10% ~5% Fair Value Estimate: $85–95 / share (≈25–35% upside) Assumes sustained mid-single-digit revenue growth, stable margins, and continued capital returns. ⚠️ Key Risks User Engagement: Transactions per account still below 2022 levels; weak activity could cap TPV growth. Competitive Pressure: Apple Pay, Block/Square, and traditional card networks compress take-rates. Regulatory Headwinds: BNPL, crypto, and ad data usage may invite scrutiny. Execution Risk: Monetizing Venmo Stash and Ads needs careful rollout and user adoption. Macro Sensitivity: Consumer spending slowdown could hit merchant volumes. 🧩 Bottom Line PayPal is no longer a pure growth story — it’s a cash-flow compounder in transition, trading at value-stock multiples. Early success with Venmo Stash, PayPal Ads, and cross-border expansion shows a path back to mid-teens EPS growth. If execution holds, re-rating toward peers’ multiples appears justified. 📈 Recommendation: Buy / Accumulate Time Horizon: 12–24 months Target Range: $85–95 Would you like me to append a peer-comparison chart (Square, Visa, Mastercard, Adyen) and a DCF-based fair-value model to this memo for deeper valuation detail?
I have IBM KO GE QSR some other random losers too. I multi bagged IONQ from 8 to 76 and said fuck it i like PYPL.
I’d rather go FISV. Also you still have 15% that’s not in PYPL.
ORCL continues to blow my mind day after day. To think the company is actually considered worth *less* after a $300 billion deal with OpenAI. Same with PYPL which completely gave back its OpenAI pump and then some. At this point, it would seem the market is concretely assuming OpenAI is going to fail long-term. Which I suppose I'm not entirely opposed to. I think OpenAI ignited the AI explosion, but players like GOOG seem better positioned to carry it into the future.
Is XYZ really any different than PYPL at this point?
Fun fact: PYPL was $306 in Feb 2021. Today? $66. Incredible company.
PYPL is gonna rip at some point. Stock is cheap (PE at 11x) relative to peers. I’ve been bag holding a small position since 2022. Bought more recently. Gonna buy another 400 shares tomorrow in my 401k and add leaps in my IRA.
Right?! Only thing I'm down on is these stupid 11/14 $70c PYPL.
So market is up 2% across the board and PYPL is flat? What’s wrong w this shit stock
PYPL to $70 by 11/14 is my final wish this week.
Hope PYPL gets shorted to $50 I deserve to lose money
PYPL really gonna go red today fuck this stock
PYPL is the biggest piece of crap
This market is fake and gay how is PYPL not even up 1% while XYZ up almost 4%
Don’t think you can go wrong with $70 $NKE or $70 $PYPL or $200 $LULU LEAPs even at these levels
When is OpenAI going to announce a partnership with PYPL? I'm tired of holding these bags
Wet dream scenarios: PYPL sells for $80b RDDT sells for $50b OpenAI announces META partnership BULL gets sold to HOOD for $8b RBLX to $0
NVO, UNH, BABA, PYPL the four horsemen of my my portfolio's apocalypse. It's going to be years before this port recovers isn't it?
Holding 3k shares of PYPL and 400 shares of META is prob my worst play of this year
I actually like PYPL at this price - it’s a bet on if they can boost their growth. They’ve been rolling out new products faster than most payments companies which is encouraging.
I know none of us can truly know but today does seem like a good base, especially with rumors of the shutdown ending soon. I’m thinking of loading up on calls before close. I was mostly thinking SOFI and PYPL with 6-12 months dte based on great fundamentals and earnings. Are you looking to open any positions or watching a couple tickers
Half my portfolio is in PYPL. The other half in META -$3.6k in 1 week 🥲
FI PYPL TGT There. Now mods, ban this guy
Currently holding 3k shares of PYPL I’m bullish on it and just bought some XYZ on this dip
rate my portfolio: 100 shares PEW @ $8 100 shares META @ $666.30 100 shares PYPL @ $66.75 100 shares SMCI @ $41.40
PYPL is probably the biggest value trap ever no wonder why everyone sold this bag during earnings
Closing my PYPL puts. The turn happens now.
Great track record worked SO well for donald dump and his legion of PYPL bagholders lmao
QCOM might be a PYPL situation, shoots up to the moon and then fades at open calls might print, IV isn't that bad but it seems to me the move already kinda happened today sitting out
Except PYPL, which is flatter than my wife's tatas
Market does not like PYPL lmao