$PayPal(PYPL)$ has been one of the worst-performing stocks in the financial sector. Shares are down by more than 65% from their mid-2021 all-time high and have declined by 46% so far in 2022 alone. It's been a rapid fall for the fintech powerhouse many investors had been predicting would become a trillion-dollar company. However, despite the terrible stock performance, PayPal could still be worth a closer look for patient investors willing to ride out the ups and downs. Here's a rundown of why PayPal has struggled recently, and why it is now at the top of my watch list. PayPal's latest earnings report wasn't pretty PayPal beat analyst estimates on revenue in the fourth quarter, but beyond that, theearnings reportwas a disappointment for investor