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
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
PYPL got me too, It’s bleeding I’m done averaging down
PYPL es muy mal. Hold the rest
PYPL and RDDT were the roughest. Blink and you would miss the gain and go straight into deep red
As a fellow PYPL and META bagholder I’m also in shambles
What I have calls in and where they're at RDDT -7.27% META -1.28% PYPL -3.23% MSFT -1.13% NFLX -0.52% In case anyone wants to inverse me
How are you able to pick the stocks with that level of allocation? What if you pick the wrong ones? I picked PYPL and XYZ 5 years ago.
It’s interesting that a few weeks ago when nobody knew if the numbers would be grisly or great, this was the price. It’s like getting $50/share worth of food news for free. Unfortunately, that knowledge plus a share of PYPL will only fetch you $67.
Having owned PYPL for awhile, it ALWAYS drops back down into the 60s
PYPL had a couple days when it reported great earnings, intriguing growth plans, and was announced as the default payment processor for a 1 Billion user platform. The stock popped, but has since fallen almost $20 straight back down.
Probably will have to add HOOD PYPL and DKNG to that list by the end of the week too.
PYPL below 70 😂😂😂😂 Seems like not even OpenAI can save this dogshit stock. For any pypl bagholder out there, just take the loss like I did some months ago
$PYPL PayPal is now position to be the leading payment solution for chat gpt, this will increase users from 1% growth YOY to massive growth that’s not expected next year.
However is shorting PYPL needs a Punching Bag.
Someone needs to acquire PYPL for $90 a share please
Running a wheel play with some long exposure on SNAP, POET, OPEN, CMCSA, and PYPL.
PYPL can hit 80. You have a target and a few weeks. It’s doable. Good luck.
My port is 50% PYPL and 25% META how fucked am I
Haha love the conviction ,either a feast or fried kind of play! That $80 target’s bold, but PYPL’s got room if momentum holds. You’d probably enjoy the chats in Jeremy Lefebvre’s Discord https://discord.gg/mWmq5vMp tons of traders there balancing risky plays like this with long-term growth setups.
PYPL's revenue growth and net income has been very minor compared to 2021, which is why it has been dead money for the past 3 years. However, I do hope this new chatgpt partnership does get them more revenue. I hope we don't have to wait until earnings to see this increase.
PYPL **dagnabbit.** Even OpenAI can't save it.
Just stop with the cope. PYPL's golden days are behind them.
#TLDR --- Ticker: PYPL Direction: Up Prognosis: Long shares Catalyst: New OpenAI partnership will let a billion ChatGPT users buy and sell with PayPal, adding massive user growth that isn't priced in. Valuation: Cheap PE of 13.25 and aggressive share buybacks. Position: 10,400 shares at $69.42
PYPL bro $69 from 0.01 now @0.62 that is 6100% return under an hour
Bought the NVO and PYPL dips
PYPL buyback program is 15B.. they will repurchase over 20% of the company lol. EPS will continue to grow. $120 by 2026
People have been hyping PYPL on here since 2023 when it was one of the things people kept trying to buy because it was cheap and NVDA was expensive. It is cheap but fintech isn't the growth story it was 5 years ago. Maybe that changes at some point, but it's a opportunity cost for anyone who has continued to try to call a turn in the stock (down YTD, 1YR, 5YR and the performance since the IPO about ten years ago not very good.
PYPL sitting at an insane 13.5 PE after blowout earnings and other hype news. Crazy
I bought some PYPL shares at 68.68 yesterday. Even though PayPal won't let me use their app anymore..
What’s your PYPL price target short term within the next month or so?
Re-upped on my NKE PYPL called. Daddy’s getting paid
I've been a dba and etl guy for the last 25 years. I avoid AWS like the plague. For large enterprise systems it makes your life hell. Azure cpu/mem is spot on but AWS specs are outright lies. PYPL and other large companies are realizing this and will be migrating off AWS very soon. This latest AWS outage was not a hiccup. It is garbage.
Only advantage XYZ has is higher growth but PYPL consistently generates profit plus huge buyback program and now dividends for the first time ever
Green shreks will fade eventually. Look at the PYPL
PYPL a better company now than it was 3 years ago yet trading at 30% below the 2022 price levels. Heavily undervalued and this will inevitably bounce lol
"winners" 5 years ago were PYPL, EV stocks, solar, genomics, XYZ, since everyone here talked about those, also I had PLTR since their IPO and the stock did nothing for years...They were pushing the market to highs. The only right ones you could know were MSFT, AAPL, META, TSLA, AMZN, and the rest of the MAG7.
PYPL is fixing to go to outer space next week
Wait wait wait. PYPL was like shreking few days ago, now is like down from day before. What happened
this market is so strong that also PYPL and AMZN gap up after earnings
PYPL declaring bankruptcy or something?
Nice price action PYPL. Why do I always fall for the dip
Did PYPL killed a bunch of kittens or something?
sold my PYPL for a minor 3% loss. if it cannot move after repeated decent earnings relative to the stock price and just gets supressed forever there is zero reason to own this stock. see ya'll in 5 years when PYPL is 68/share with a PE of 6
Imagine my grandson skull-fucking your granddaughter because you decided to buy PYPL calls
it got sent from Top to bottom into a Bearmarket\~ (-20%), also under 200 Day avg. We can Thank Fiserv for nuking the FinTech Sector for that. (SOFI, HOOD) any dump on PYPL feels just wrong.