PYPL

Cav829

Nvidia is being relegated to meme value investing portfolios with ADBE and PYPL and dividend ETFs.

skilliard7

Most stocks I've seen recommended on here that get upvoted do very poorly over the long term. If I would've listened to this subreddit I would've been long Block/PYPL in 2021, short Tesla 2021-2026(it will crash anyday now right?), shorting stocks during every crash & buying during every bull market, shorting WDC in 2025, etc.

Actual-Income-6886

imagine being invested in PYPL lol

MarthaJulietta

PYPL Buybacks

dvdmovie1

Because you have a market where anything with a narrative goes up every day. People have tried to pump PYPL on here for the last 3 years - "it's cheap", "but the buyback" - if there's not a narrative nobody cares and if someone talks about something without a narrative being "cheap" it has to be much cheaper than before to get any interest. Boring ABT down 30% YTD, obliterated with much of the rest of medtech.

Capesize230

Yes, I know. I’d also add the gambling thesis, separate from ads. Trump wants to create more banks, and PYPL has applied for a banking license. Trump also bought PayPal in May. I don’t base my investment on this at all, but it’s been a personal speculative thesis of mine.

CalmSticks

I’m also a PYPL holder ($45 avg) but a point on the buybacks that gets missed is that over $1b new stock has been getting issued as compensation annually. So really the buyback impact is more like $4.5b. Bit of a haircut on the bull case.

Capesize230

I think PYPL will be at least a 3x from here by the end of 2027. It has to be. It’s just too cheap to ignore. Buybacks are $6B per year on a $38B company, with $1.5B more in FCF expected over the next 12 months. Good old fashioned no-brainer. I own a lot at 40 avg.

Artistic_Chicken_557

You regards chasing space crap when PYPL has a pe of 8 and is on pace to buy back the entire float in 5 years with more cash on hand than debt

rchawk0

PYPL probably is lower than where it should be but no need to double down... put the money elsewhere and if PYPL goes up pick where you want to exit and just take the loss.

mrlichty66

If a family member started to invest and you were giving them advice.. would PYPL be in your top 5 stocks you would suggest to them? How much could you make if you started fresh with that 100k right now instead of holding it longer? What would it have looked like if you closed out the position 2 months ago and enjoyed the last 9 weeks?

Ok_Pomelo_3460

Fair enough. The weird thing is that a lot of companies would kill for a balance sheet like that, yet the market still treats PYPL like it's terminally ill.

Thetagamer

Pull it all out of PYPL and stick it in NVDA or MU or whatever AI stock is trendinng

Ok_Pomelo_3460

maybe I'm crazy, but averaging down only makes sense if you'd be excited to buy PYPL today even if you didn't already own a single share... alot of pple end up throwing good money after bad because they're trying to fix the average price instead of reevaluating the business

Artistic_Chicken_557

Oh hells yeah ex div on NVDA and PYPL this week. I'm rich!

BAM_Spice_Weasel

Lol this, you got it all. I like Jeremy for what it's worth, but I think a big part of the reason he has the car/house is not because of his stock picks it's because of his 1000X club membership dues. He got me to buy AMD in the low 100's, but he also got me to buy PYPL and FUBO \^\^

Vast_Newt_1799

damn you taking the L on Nike and PYPL too 😞. I'll be honest never a bad idea to take profits(I usually just take out my initials and move it over to and ETF like SPYM or QQQM or SPMO)

Artistic_Chicken_557

AI IS GOING TO CHANGE THE WORLD also today on investing com an AI generated article... "PYPL stock hits all time high despite yearly decline" WTF IS THIS SHIT

literallymoist

This is why I bag hold PYPL. Never again.

FOMO_Gains

This is a value trap like PYPL.

Relative-Snow8735

This one makes a ton of sense. I am not saying it is going to happen, but if you look at the numbers it really starts to hit home just how big this could be (and I say this as someone that is not a fan of Elon). \- If Elon offered $90/share (double the current price), that would be just \~5% of SpaceX's target valuation of $1.5T. \- For that 5% dilution, they will almost triple their revenue post-merger. $18B -> $51B. \- The combined company will be FCF positive by $1-3B, and will be right around GAAP breakeven (compared to SpaceX currently at -$4-5B GAAP) \- Elon has the perfect cover story for this move. The market won't see this is as a desperate cash grab (which it is), but rather as Elon taking the reins back of his first company and pushing the "everything app" narrative. \- The regulatory environment will likely never be this friendly again. He has a 1-2 year window to do deals like this before he might be locked out for almost a decade. There are some downsides of course. Paypal's multiple is so low any spill over into SpaceX could seriously bring down the stock price. Elon will need to hope that his magic touch translates over to Paypal. And another issue is that the first few months after IPO the stock can be pretty fragile due to all of the insiders rotating out. With the fast track stuff going on, maybe this won't matter, but usually you would want to avoid any major actions that can put stress on the stock, with acquisitions being one of the major ones. Fun to think about. And if one is inclined to make a play on the SpaceX IPO, I actually think Paypal is a sleeper play in that regard. SpaceX could end up down 50% or up 100%. But PYPL is already in deep value territory. Probably not going to go much lower. But an acquisition is probably going to be at a 50-100% premium. So the downside feels much safer, but the upside is in the same ballpark. Plus IV is a lot lower right now.

sharkykid

This guy was: - right about CRSR off the wrong thesis - wrong about PYPL - wrong about CRSP Idk what that means, but best of luck. I hope this goes up if I buy

Junkingfool

Anyone want to buy sure thing Puts, just follow my buys.. everything i sold is pumping, everything i bought is tanking LITE META PYPL though it's slightly green NFLX

Powerful-Load-4684

Only if you accidentally end up in r/valueinvesting buying PYPL and LULU

TheDudeAbidesFarOut

JNUG BBBY Lotta WSB darlings. Past and present. PYPL

City_Standard

Painpal... I mean uhhh PYPL is super undervalued

Schwimmbo

So you're basically telling me to add ADBE and PYPL, hmmmmm.

InternationalFly6869

Bullish on PYPL long term hold, short term shorting BTC

Artistic_Chicken_557

What a weird day. NVDA killing me Thank God I have powerhouse tickers like PYPL holding me up.

Molten-Helldiver

Makes up for when he got everyone fucked on PYPL lol

Micheal_Hancho

Wonder what his stock portfolio was. Probably half MSTR half PYPL or some shit

Artistic_Chicken_557

It's hard holding shit tickers like NVDA. Thank God I have amazing stocks like PYPL to balance out my shitters

Imgoin2brich

Not sure if you're short sighted or oblivious to the fact that its just 1 maybe 2 sectors going up, champ. Im not losing money but not making as much when you have to committ to stocks up 50%, 100%, even 300% in just a few months. Meanwhile, basically everything else with fairly decent valuations is flat or down among other sectors (MSFT, HOOD, PYPL, etc.) Just because 2 sectors are hot, doesnt mean every single other stock is flying too. You must be new lol

FatFluffyFish

You can add PYPL, LULU, ADBE for #1 lmao

brintoul

And DECK, and LULU, and PYPL, and UAA… the list goes on.

dreggers

I thought I was finally done with value traps when I dumped my ADBE and PYPL bags only to find new losers with META and MSFT

Schwimmbo

I was not trying to bring you down, just trying to give some other perspective and nuance things. I respect your 'cash flow + huge margin' requirements for buying - I also do fundamental analysis and try not to get caught up in the hype. For instance, there's no way I'dd add to my AMD position here. As for MU, the incoming huge cash flows and ever increasing margins were actually quite obvious before so whilst the stock has become quite meme-y now, I genuinely believe this was a great investment (regardless of results). Same thing for AMD actually, when listening to the earnings calls and Lisa Su speaking, it was quite clear to me that this company did not get the respect from the market it deserved. And as Wall Street always does: they overshoot it both ways - whilst it used to be quite undervalued (13 months ago you could buy shares under $90...) now it has run up way too fast. To get back to ADBE and PYPL: the fear with the former is that the margins will shrink significantly and therefore the cashflow will stop growing at a decent pace. So are you forward or backward looking? I'm not buying more but also not selling those stocks. The opportunity cost is what it is - can't win them all and at some point the market will have to acknowledge the extent to which these stocks are reducing their floats...

Schwimmbo

Why not play both sides and enjoy it while it lasts? I am holding significant bags in ADBE (-22%) and PYPL (-32%) for the same reasons you laid out. But also own loads of AMD (+291%) and MU (+1,060%) to name a few AI names. Black or white could be grey.

dvdmovie1

1.) Fintech has little/no moat and while it was a big growth theme like 5-6 years ago, it became commoditized and people moved on. 2.) This is a market of narratives and it will continue to be until it isn't. There is no narrative with PYPL and while costs can be cut, so can they at peers. There is no way to materially restart a growth narrative here. Cheap can get cheaper in this market if people don't care. Look at most of medtech going down every day. 3.) I think some people continue to want to be contrarian and buy something like PYPL instead of AI names but this has not been (and may continue to not be for a while) a market that is rewarding anyone for that. It wasn't on here 3 years ago when people were pushing PYPL over NVDA because "PYPL was cheap." Or 2 years ago or 1 year ago. So many people on here over the last few years have kept on about PYPL - "it's cheap!" "but the buyback!" Maybe eventually there's consolidation in this sector or the new CEO sells it off wholly or parts/pieces but that isn't going to be from a position of strength.

False_Secret1108

This retarded bag holder…PYPL now this

Spiritual_Bat7343

the AI cost-cutting thesis for PYPL is not the dumbest bag rationalization out there. payment infrastructure at scale has a lot of labor-heavy fraud review, dispute resolution, and compliance workflow that AI can actually trim. the question is timing: those savings show up in 18-36 months, not next quarter. if you're holding anyway the covered call approach makes the wait more productive. selling a CC at 10-15% above current price every 30-45 days generates 1-2% monthly and chips away at the cost basis. the catch is you cap your recovery if it rips and you get called away before the re-rate. so the real question is: how much upside are you willing to sacrifice to collect premium while you wait for the thesis to play out. most bagholders don't think about it this way because they're emotionally anchored to breakeven. the CC approach converts that wait into a systematic cost basis reduction plan instead of just hoping.

BeefyMcPissflaps

Please stop buying individual stocks based on your own volition. It's only going to lose you money. There was ZERO data that said PYPL was a good buy when you bought it.

Artistic_Chicken_557

I own PYPL so I'm already there

BarryBoy76

Anything but PYPL, new CEO Enrique is bringing it down more. You could short it with zero risk. $300 to $38 in 5 years.

cbusoh66

At some point in 2021, fintechs were all the rage. PYPL and SQ (now XYZ) reqched $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 what awaits these sham and endlessly pumped quantum and space companies.

gls2220

PYPL would make a lot of sense for BRK.

MarthaJulietta

All I wanna say is I’m buying PYPL every single day the market is open rn. I have a large margin debt I still have to cover but I will speed up buys after that’s taken care of.

Alpha_Who

I might do it, long dated PYPL calls

trustabro

I invested in MU, MP, PLTR, ASML, ALB, and ACLS and they all outperformed the Mag7. I have also invested in the Mag7 but I understand why some people want to do better than just the Mag7. Of course I also have losses like PYPL and AREC.

greenpride32

>Why are people complicating the markets so much, everyone’s talking about rocket lab, and sleeping on Microsoft with hundreds of billions booked revenue, for example. The simple answer is your return can be far greater finding the "next one" rather than investing in the already achieved "top ones". Also, your post seems to imply there is a binary option of either "more established growth" OR "high risk/high reward". But in reality many individual investors have a mix. It's the same with "growth" versus "income - at some point in life, you will trade down some of the former for the latter. I own many of the long time megacaps because as you said, I do believe they will continue to outpace SP500 - MSFT AMZN GOOGL to name a few. But I also owned NVDA and AVGO (and AMZN) long before they were top 10, or even top 100, so that portion of my portfolio blew away my more conservative VOO/QQQM holdings. Let's say you picked 15 up and coming stocks with big potential. Well if one of them really knocks it out of the park, it will cover the full losses of the other 14 and give you more. And as you can see there are many outcomes that can get you ahead - 4 winners, 5 flat and 6 duds etc. Imagine you put $10k into 10 dot com companies during the bubble. The biggest names at the time were AMZN EBAY YHOO. I'll just say the other 7 went bust because with the returns you got from AMZN and EBAY (which you would have also have gotten PYPL shares from spinoff) would have FAR outweighted any losses. You could at most lose $70k on those 7. But AMZN alone would be worth over $2.5m.

TangerineTrades

Aging boomers…the people who actually have money to spend? Not a bad group of customers to have. As long as these aging boomers stick around for 5-10 more years the buyback math will either have PYPL trading several times higher than it is today or with so few outstanding shares that EPS and FCF/share will be several times higher than it is today. Take your pick. Also, do Redditors use Venmo? Guess who owns it.

omegahustle

you should learn how to read a company balance, then buy PYPL or some other profitable and safe garbage and make a portfolio that loses to SPY while meme stocks go up 50% a month

rbaut1836

I agree. Their service is 2nd to none imo. PayPal has a whole suite of tools. They have a decent credit card I use a ton. Venmo’s money xfer is good enough. They are in the BNPL space. Website and app integration for purchases seems to have only gotten better lately. Zelle and CashApp are not real competitors at this point. I won’t even engage with a contrary perspective. Blocks financials are abysmal compared to PYPL. And their primary revenue stream is people who can’t invest in crypto like an adult. Zelle’s primary benefit to their owners is keep fraud down and costs of checks down. Apple Pay and Google Pay are legit competitors but that doesn’t mean PayPal can’t exist and do so well. As you said, I think PayPal just does a terrible job advertising. And also having some first hand experience on their comp packages, they need to do some massive internal restructuring. Their benefits being great isn’t really the issue, it’s the RSUs and the level of pay the engineers here get for what they actually do and produce is a bit out of wack. Also I’m sure with them being the old guy on the block now, they are bloated with middle management.

Schwimmbo

They should've stepped up the aggressive buybacks even more instead of paying a dividend imo. Anyway, whilst the float is being reduced, our opportunity cost is still massive lol. Worst investment I ever made despite it being a no brainer on paper as you said. PYPL stock doesn't play by the standard rules it would seem lol.

henilp89

It's fucking PYPL bro

BarryBoy76

This cannot be a bad investment! Take a look at PYPL! Down 80% during the past 5 years 😂 while market returned 125% and some stocks 10,000%! Now Enrique is the CEO and it’s heading to $25! Talk about a bad investment!

Xzlk

PYPL and CHWY both will go private. It’s honestly ridiculous they haven’t already.

Aware_Secret_8910

Even PYPL is green. If you are losing money today you probably pricked a garbage stock like MU

Happy-Champion1661

bb-but why PYPL no up, PE is cheap NKE share price low number must be also cheap

TruChains

PYPL green. Market is fradulent

Aware_Secret_8910

Even PYPL is up today. If you are losing money you made big mistakes. Also what the fuck is going on with POET moving like a shitcoin

Milswanca69

PYPL or PayPal. It’s undervalued today. Massive FCF on no net debt, >10% FCF yield today (which is already high). Using that debt to buy back stock, reducing shares outstanding by 11-14% this year at current prices (they should be doing more if they were smarter). The cash flow is steady to growing, implying FCF per share growing steadily from growth and a shrinking denominator (shares outstanding) on top of a 10% yield. I think it’ll go up by 20-35% in the next 12 months.

TestingThrowaway100

/r/ValueInvesting still in shambles and licking the wounds of $NVO and $PYPL

Legitimate_Cut_6254

I love reddit. The range of answers here is incredible. 1. SNDK rocket bro's - trend chasers 2. Vouri/competitor brand users - trend chasers 3. Bag holder buyers (NKE, PYPL, etc) 4. Normal investors.

CalmSticks

Just wanted to say having had a quick look at LULU, I broadly agree with your thesis and think the business is priced for a relatively quick death, but could generate an above average return. I don’t think there’s likely to be any explosive stock price action outside of a blowout earnings and massive forecasts rise (may not currently be possible with current tariff and macro environment). But I also like PYPL at current prices, so I might just be a total moron.

BeaverSack

PYPL. Didn’t lose anything, it’s just not moving

xeemyy

I’d rather see people get rich on something as retarded as POET than on boomer tickers like MSFT, META or PYPL lmao

hxr1545

F**king value investing sub told me to invest in NKE and PYPL. Should protect me from downside in the market they said. These two turds are down the most in my portfolio lmao. 

Aware_Secret_8910

PYPL falling again. Should be decent if it falls a bit more

PrthReddits

Hey!! my friends at value investing suggested PYPL, Fiserv, MSFT, NVO, and many more high quality names like Adobe and Salesforce. They are at low P/E ratios! Their 1y performance is so go--oh wait... Lolol

cryptopolymath

They do love their ADBE, PYPL and LULU over there.

Reasonable-Dare-6865

pypl has been range-bound for a while so timing the comeback is the tricky part. if you're going long, watching the 200-day MA for a clean break above it gives you a better entry than just guessing a bottom. also keep an eye on their next earnings call since fintech sentiment shifts fast. if you want to play it as a perp instead of holding shares outright, markets xyz lets you trade PYPL-style setups 24/7 without waiting for markет hours.

Single-Adeptness-769

PYPL red on AI partnership that was basically a plea to get the stock back up is hilarious

xghtai737

At the moment? I'm around 70% cash. I'm up 35% this year and took most of it off the table. At valuations this high the market becomes fragile and prone to sharp sell offs if everything doesn't go perfectly. Minor things that would be ignored when valuations are lower suddenly become important when everything is priced to perfection. The market could very well go higher, of course. I just don't like the set up at the moment and I don't have any need to try to chase stocks higher in an attempt to catch a benchmark. What I have left in the market is scattered between value stocks, usually with high yield, like HPQ, HRB, PYPL, CMCSA, and REPX and some growth stocks like HIMS and FOUR. And I hold a crypto ETF. I'm also shorting oil in the event that the Iran war ends, and I'm shorting the S&P 500. All of those positions are only 1% - 3% of my portfolio.

princeofca

10 PYPL $135 CALL 1/15/27 @0.05 1 PYPL $115 CALL 1/21/28 @0.86 plan on buying more $135 calls if they drop below my average cost

bigmeatbag

I appreciate you hyping my heavy PYPL bags.

lookachoo

The Honey scandal really fucked PYPL up for a while. I think long term it’s good but there’s no “play” here necessarily. It’s in a bad standing with the market. It’s been a value trap for a lonnnnggg time noe

Base-Case2169

In my opinion PayPal is one of the most undervalued stocks out there. From a purely analytical perspective, their financials are fantastic. It surprises me that they're not showing major acquisition interest. Any of these "overvalued" tech giants can scoop up the tiny $40B market cap and immediately booth their bottom line metrics. They're a cash cow, hugely profitable, grossly undervalued relative to other technology names, they're established and well insulted competitively. PYPL is a such a creaming buy from this perspective it's truly shocking more investments bankers aren't positioning for a major M&A deal. 🧐

TruChains

PYPL is green. The market is fraudulent.

Dstein99

That’s a good thought. I remember hearing the Starbucks is a Bank argument years ago, but looking now they have $429 in net interest expense last year. Interest income isn’t included in operating income. Operating income is Revenue - Cost of Revenue - Operating Expenses (Research and Development + Selling General and Administrative + Depreciation and Amortization). After you subtract Depreciation and Amortization you get EBIT (Earnings before interest and taxes) which is operating profit, subtract interest and taxes to get net profit. I haven’t looked at their 10k like you have, but looking at the income statement their flat operating income is due to gross profit increasing by $931M (10%), but their R&D increasing by $298M (14%), G&A increasing by $157M (13%), Sales and Marketing increasing by $440M (20%). Other operating expenses also increased by $45M (3%). I don’t think that just because both companies collect interest income makes ABNB PYPL, but it’s interesting that PayPal is in the banking business and ABNB makes more interest income in raw number form and relative to Revenue/Net Income. I don’t think interest income is material to ABNB’s business, even without it they have a 21% operating profit margin. Interest is a nice bonus that they are able to take advantage of by nature of their business. The amount they collect in interest income is essentially enough to offset their taxes allowing net income to be very similar to operating income. I don’t own ABNB but I don’t have an issue with the operating income not growing because it looks like it’s largely due to sales and advertising growth which is reflected in revenue growing and can be tuned down when the company chooses.

Happy-Champion1661

so then DRAM crashes while these recover? depends on your price target on these tbh. NKE might have some world cup hype to do a +10% idk, it's pretty bad tho. PYPL valuation is so cheap it's not worth it to sell in my opinion. SNAP is whatever, a meme stonk. Could go -50% or +50% from here, idk

DudeManBroGuy9

Serious question: Do I sell my Negative port positions (NKE, CHWY, SNAP, PYPL) and move all of those $$ into DRAM for the year

Artistic_Chicken_557

Just ate an egg salad sandwich. Long PYPL

jspecefini35

I’m actually thinking about selling my INTC with avg cost of $19 for PYPL. Looking for value plays like I did with Intel.

Base-Case2169

I was doing a similar comparison with PYPL who posted higher top line revenue and equivalent EPS beat, and the stock tanked after earnings! The MCap of AMD is almost 20x PYPL with these earnings and that's not even factoring in other metrics. But who cares about actual numbers, the market trades on momentum and vibes.. So we ride the vapour waves, as long as possible. 📈

Icy-Sheepherder-7595

Recently I've been thinking of doubling down on LULU because of this same Reddit sentiment (down 35%) and also starting a position in PYPL purely because of the hate. Although I admit it's not exactly the same as buying tech stocks.

Artistic_Chicken_557

Even AAPLs most aggressive stock buybacks were 3% of outstanding shares. PYPL buying back 15% this year. Bullish you fools

Artistic_Chicken_557

I now have 7000 shares of PYPL Fuck

bdh2067

Nothing will help PYPL at this point other than getting bought by a bigger player. And can’t imagine who’d want it. Slowly wasting away now

LSD_OVERDOSE

AAPL, RKLB, GOOGL, MSTR, AMZN and MRNA I'm also thinking about PYPL, don't ask me why

NoBicDeal

PYPL has narrow moat. Any fintech is able to do what they do. No high switch cost, entry barrier whatsoever.

Ok_Entrepreneur_dbl

Wow - that hurts! Bought in 2020 could have tagged some great gains around mid 2021 but instead rode out the dreaded 2022 and it has been flat ever since. This is a good case where protecting gains with a trailing stop loss would have helped and we would not be in this thread. I had some stocks that fit the same profile but in late 2022 I redesigned my portfolio to full on Mag 7. This move paid off. Incidentally, I am out of most Mag 7 except GOOG and NVDA. I also transitioned to TQQQ and USD. OP - to mentioned that the loss is in the six figure range. It has dropped 58% from $108. I assume you still have six figures invested in PYPL still. You could dollar cost down and buy more assuming that the rumors in play pan out. However, I would focus on a solid growth stock approach and sell what is left and build back.

dukeofsandiego

I read some of their history too. Six months back, OP said “This is why I’m long $PYPL, 10,400 shares at $69.42.” The screenshots on this post are likely fabricated.

youdirtyhoe

Well known fact: PYPL is the worst stock on the market. No cap & dont @ me.

SongCapital4030

PYPL as a company is just lacking. It was a pioneer and great for what it established… but I tried using it as a crypto wallet service and had to call Customer Service 4 times to get them to unfreeze my crypto after 10 days of my debit purchase (pended in PayPal, immediately was cleared by my debit card). And dealing with customer support was exactly what was expected in every way. They have no stock purchase options like their competitors. It’s a lackluster service that has nothing special.

Artistic_Chicken_557

I'm a value investor in PYPL now. Criminally undervalued

Base-Case2169

Get Paid Pal! PYPL 📈

ArniePie

I’m in a similar boat. Been long PYPL for years in one way or another. I’m not as confident it’s got heavy upside, but very confident the downside is limited due to stock buybacks. Instead of owning shares, I sell puts near the money.

zxc123zxc123

Should have just gone with solid financials like BLK/AXP/BAC. But at least it's not full regarded like MSTR/PYPL/dogecoin

Griffeltje

PYPL