PayPal Stock Is Down 20%. Is It Finally a Buy?

InvestorPlace2023-12-09

PayPal (PYPL) once owned the digital and peer-to-peer payments field but now faces a crush of well-financed rivals.Profits have been uneven as active members steadily fall.Yet the active members that ...

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Bi Han
·2023-12-09
Buy buy buy
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Omega Ohm
·2023-12-09
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Is It Finally a Buy?","media":"InvestorPlace","content":"<div>\n<p>PayPal (PYPL) once owned the digital and peer-to-peer payments field but now faces a crush of well-financed rivals.Profits have been uneven as active members steadily fall.Yet the active members that ...</p>\n\n<a href=\"https://investorplace.com/2023/12/paypal-stock-is-down-20-is-it-finally-a-buy/\">Source Link</a>\n\n</div>\n","source":"investorplace_stock_picks","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>PayPal Stock Is Down 20%. 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Is It Finally a Buy?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2023-12-09 09:07 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://investorplace.com/2023/12/paypal-stock-is-down-20-is-it-finally-a-buy/><strong>InvestorPlace</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>PayPal (PYPL) once owned the digital and peer-to-peer payments field but now faces a crush of well-financed rivals.Profits have been uneven as active members steadily fall.Yet the active members that ...</p>\n\n<a href=\"https://investorplace.com/2023/12/paypal-stock-is-down-20-is-it-finally-a-buy/\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"BK4527","symbol_name":"明星科技股","start_time":0,"source_url":"https://investorplace.com/2023/12/paypal-stock-is-down-20-is-it-finally-a-buy/","article_id":"2389531528","we_media_id":null,"thumbnails":[],"rights":{"source":"investorplace_stock_picks","url":"https://investorplace.com/2023/12/paypal-stock-is-down-20-is-it-finally-a-buy/","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2389531528","pubTimestamp":1702084068,"columns":[],"sourceInfo":{"source_id":"investorplace_stock_picks","name":"InvestorPlace stock picks"},"weMediaInfo":null,"summary":"PayPal  once owned the digital and peer-to-peer payments field but now faces a crush of well-financed rivals.Profits have been uneven as active members steadily fall.Yet the active members that remain are using the platform more often raising total payment volumes.PayPal  stock is having a rough 2023, as competition in the digital payments industry intensifies. Where it used to have the field to itself against traditional credit card and debit card payments, consumers now have a cornucopia of digital and peer-to-peer payment options.It’s not getting any easier for PayPal to make a profit. Although operating margins are improving, gross and net margins sit well-below the payments stock’s five-year average. Competition makes it more difficult.Having once been part of eBay, that company spun PayPal off into a standalone company and had exclusivity as the auction site’s preferred payment processor. However, that changed in 2018 when eBay chose Netherlands-based fintech Ayden as its preferr","collect":0,"end_time":0,"defaultTopTitle":"investorplace.com","property":[],"viewcount":null,"language":"en","relate_stocks":{"BK4527":"明星科技股","BK4534":"瑞士信贷持仓","BK4585":"ETF&股票定投概念","BK4533":"AQR资本管理(全球第二大对冲基金)","BK4566":"资本集团","BK4581":"高盛持仓","LU2089284900.SGD":"Allianz Global Sustainability Cl AM Dis H2-SGD","BK4106":"数据处理与外包服务","BK4535":"淡马锡持仓","LU1861217088.USD":"贝莱德金融科技A2","PYPL":"PayPal","LU2023251221.USD":"ALLIANZ GLOBAL SUSTAINABILITY \"AM\" (USD) INC","BK4588":"碎股","LU1861220207.SGD":"Blackrock FinTech A2 SGD-H","BK4227":"交易和支付处理服务","BK4551":"寇图资本持仓","BK4211":"区域性银行","LU0158827948.USD":"ALLIANZ GLOBAL SUSTAINABILITY \"A\" (USD) INC","BK4524":"宅经济概念","BK4554":"元宇宙及AR概念","LU2089283258.USD":"安联环球可持续基金Cl AM Dis"},"translate_title":"PayPal的股票下跌了20%。终于买了吗？","themeId":"","isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"PYPL":1},"content_text":"PayPal (PYPL) once owned the digital and peer-to-peer payments field but now faces a crush of well-financed rivals.Profits have been uneven as active members steadily fall.Yet the active members that remain are using the platform more often raising total payment volumes.PayPal (NASDAQ: PYPL) stock is having a rough 2023, as competition in the digital payments industry intensifies. Where it used to have the field to itself against traditional credit card and debit card payments, consumers now have a cornucopia of digital and peer-to-peer payment options.Wall Street seems conflicted. The moderately bullish sentiment analysts have seemed at odds with the consensus price target they’ve assigned the stock. The $117 per share price point implies shares will double over the next year. Let’s see if that lofty valuation makes any sense and whether investors should buy the stock.No good deed goes unpunishedIt’s not getting any easier for PayPal to make a profit. Although operating margins are improving, gross and net margins sit well-below the payments stock’s five-year average. Competition makes it more difficult.Yet PayPal remains the most popular digital wallet. Right now, 69% of Americans who use such wallets compared to Apple Pay, Cash App, Venmo, Zelle, and Google Pay have used it. Its rivals are far behind with penetration rates between 30% and 35%. Morning Consult says the stock market may have soured on PayPal, but consumers still highly trust the platform, also by a wider margin than the competition.Over the past year, PayPal processed $1.5 trillion in total payment volume. That’s a massive sum. TPV jumped 15% in the third quarter to $388 million.While that’s a decrease in the rate of growth during the pandemic when TPV surged 38% in the third quarter, it represents a reversion to the mean. PayPal is simply returning to normalized rates even if the market is penalizing it for that.Focusing on what mattersIt’s not just slowing growth weighing on the stock, but declining numbers of active accounts too. PayPal ended the third quarter with 428 million active accounts, down from 435 million at the end of 2022. It’s lost accounts all year long, though PayPal’s growth has been slowing for years.Having once been part of eBay, that company spun PayPal off into a standalone company and had exclusivity as the auction site’s preferred payment processor. However, that changed in 2018 when eBay chose Netherlands-based fintech Ayden as its preferred partner.The move gave merchants on the platform greater control over their transactions and data than they had with PayPal. But it impacted PayPal’s growth trajectory.Still, the payments platform is delivering more bang for the buck. Even though active accounts dropped, payment transactions per active account actually increased. A year ago there were 50.1 million transactions per account, today there are 56.6 million. Overall, it processed 5.6 billion transactions in Q3 2022 and almost 6.3 billion today.PayPal is also going through an executive change in the C-suite. It has a new CEO who says the payments processor lost its focus under his predecessor. “Competition and complexity have increased and the company’s focus has not been clear,” Alex Chriss told analysts.Chriss is committed to having PayPal innovate its way to growth. For example, the platform recently became the first major U.S. fintech stock to offer its own crypto token. PayPal USD is a dollar-pegged stablecoin, which it says is “the killer application for blockchains right now”So is PayPal a buy?While a doubling of its stock price may be some rose-colored glasses thinking, PayPal stock is cheap. It trades at just 10 times earnings estimates and a fraction of its earnings growth rate. Analysts expect the payments platform to grow profits at a compounded 18% annual rate over the next five years, or more than twice as fast as the previous five years.PayPal also generates consistent amounts of free cash flow (FCF). Trailing FCF stands at $3.2 billion. Although down from the $5.1 billion it produced in 2022, that’s because of certain accounting changes that occurred. On an apples-to-apples basis, FCF rose in the third quarter and PayPal expects to end the year with $4.6 billion worth.At this discounted price, I’d say PYPL stock is a fintech worth buying.","kind":"highlight","is_publish_news":true,"is_publish_highlight":true,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"},"commentList":[{"id":250185033461880,"gmtCreate":1702099279205,"gmtModify":1702099283243,"author":{"id":"3570004939267641","authorId":"3570004939267641","name":"Bi Han","avatar":"https://static.itradeup.com/news/6765c2bb071c1df5b7fd4e34c533c22e","vip":1,"hat":"https://static.tigerbbs.com/f84d87792f02cf78e80ee34979fd31e5","crmLevel":11,"crmLevelSwitch":1,"authorIdStr":"3570004939267641","idStr":"3570004939267641"},"htmlText":"Buy buy buy&nbsp;","listText":"Buy buy buy&nbsp;","text":"Buy buy buy","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":6,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/250185033461880","repostId":2389531528,"repostType":4,"repost":{"id":"2389531528","kind":"highlight","pubTimestamp":1702084068,"share":"https://ttm.financial/m/news/2389531528?lang=en_US&edition=fundamental","pubTime":"2023-12-09 09:07","market":"us","language":"en","title":"PayPal Stock Is Down 20%. Is It Finally a Buy?","url":"https://stock-news.laohu8.com/highlight/detail?id=2389531528","media":"InvestorPlace","summary":"PayPal  once owned the digital and peer-to-peer payments field but now faces a crush of well-financed rivals.Profits have been uneven as active members steadily fall.Yet the active members that remain are using the platform more often raising total payment volumes.PayPal  stock is having a rough 2023, as competition in the digital payments industry intensifies. Where it used to have the field to itself against traditional credit card and debit card payments, consumers now have a cornucopia of digital and peer-to-peer payment options.It’s not getting any easier for PayPal to make a profit. Although operating margins are improving, gross and net margins sit well-below the payments stock’s five-year average. Competition makes it more difficult.Having once been part of eBay, that company spun PayPal off into a standalone company and had exclusivity as the auction site’s preferred payment processor. However, that changed in 2018 when eBay chose Netherlands-based fintech Ayden as its preferr","content":"<div>\n<p>PayPal (PYPL) once owned the digital and peer-to-peer payments field but now faces a crush of well-financed rivals.Profits have been uneven as active members steadily fall.Yet the active members that ...</p>\n\n<a href=\"https://investorplace.com/2023/12/paypal-stock-is-down-20-is-it-finally-a-buy/\">Source Link</a>\n\n</div>\n","source":"investorplace_stock_picks","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>PayPal Stock Is Down 20%. Is It Finally a Buy?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nPayPal Stock Is Down 20%. Is It Finally a Buy?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2023-12-09 09:07 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://investorplace.com/2023/12/paypal-stock-is-down-20-is-it-finally-a-buy/><strong>InvestorPlace</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>PayPal (PYPL) once owned the digital and peer-to-peer payments field but now faces a crush of well-financed rivals.Profits have been uneven as active members steadily fall.Yet the active members that ...</p>\n\n<a href=\"https://investorplace.com/2023/12/paypal-stock-is-down-20-is-it-finally-a-buy/\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BK4527":"明星科技股","BK4534":"瑞士信贷持仓","BK4585":"ETF&股票定投概念","BK4533":"AQR资本管理(全球第二大对冲基金)","BK4566":"资本集团","BK4581":"高盛持仓","LU2089284900.SGD":"Allianz Global Sustainability Cl AM Dis H2-SGD","BK4106":"数据处理与外包服务","BK4535":"淡马锡持仓","LU1861217088.USD":"贝莱德金融科技A2","PYPL":"PayPal","LU2023251221.USD":"ALLIANZ GLOBAL SUSTAINABILITY \"AM\" (USD) INC","BK4588":"碎股","LU1861220207.SGD":"Blackrock FinTech A2 SGD-H","BK4227":"交易和支付处理服务","BK4551":"寇图资本持仓","BK4211":"区域性银行","LU0158827948.USD":"ALLIANZ GLOBAL SUSTAINABILITY \"A\" (USD) INC","BK4524":"宅经济概念","BK4554":"元宇宙及AR概念","LU2089283258.USD":"安联环球可持续基金Cl AM Dis"},"source_url":"https://investorplace.com/2023/12/paypal-stock-is-down-20-is-it-finally-a-buy/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2389531528","content_text":"PayPal (PYPL) once owned the digital and peer-to-peer payments field but now faces a crush of well-financed rivals.Profits have been uneven as active members steadily fall.Yet the active members that remain are using the platform more often raising total payment volumes.PayPal (NASDAQ: PYPL) stock is having a rough 2023, as competition in the digital payments industry intensifies. Where it used to have the field to itself against traditional credit card and debit card payments, consumers now have a cornucopia of digital and peer-to-peer payment options.Wall Street seems conflicted. The moderately bullish sentiment analysts have seemed at odds with the consensus price target they’ve assigned the stock. The $117 per share price point implies shares will double over the next year. Let’s see if that lofty valuation makes any sense and whether investors should buy the stock.No good deed goes unpunishedIt’s not getting any easier for PayPal to make a profit. Although operating margins are improving, gross and net margins sit well-below the payments stock’s five-year average. Competition makes it more difficult.Yet PayPal remains the most popular digital wallet. Right now, 69% of Americans who use such wallets compared to Apple Pay, Cash App, Venmo, Zelle, and Google Pay have used it. Its rivals are far behind with penetration rates between 30% and 35%. Morning Consult says the stock market may have soured on PayPal, but consumers still highly trust the platform, also by a wider margin than the competition.Over the past year, PayPal processed $1.5 trillion in total payment volume. That’s a massive sum. TPV jumped 15% in the third quarter to $388 million.While that’s a decrease in the rate of growth during the pandemic when TPV surged 38% in the third quarter, it represents a reversion to the mean. PayPal is simply returning to normalized rates even if the market is penalizing it for that.Focusing on what mattersIt’s not just slowing growth weighing on the stock, but declining numbers of active accounts too. PayPal ended the third quarter with 428 million active accounts, down from 435 million at the end of 2022. It’s lost accounts all year long, though PayPal’s growth has been slowing for years.Having once been part of eBay, that company spun PayPal off into a standalone company and had exclusivity as the auction site’s preferred payment processor. However, that changed in 2018 when eBay chose Netherlands-based fintech Ayden as its preferred partner.The move gave merchants on the platform greater control over their transactions and data than they had with PayPal. But it impacted PayPal’s growth trajectory.Still, the payments platform is delivering more bang for the buck. Even though active accounts dropped, payment transactions per active account actually increased. A year ago there were 50.1 million transactions per account, today there are 56.6 million. Overall, it processed 5.6 billion transactions in Q3 2022 and almost 6.3 billion today.PayPal is also going through an executive change in the C-suite. It has a new CEO who says the payments processor lost its focus under his predecessor. “Competition and complexity have increased and the company’s focus has not been clear,” Alex Chriss told analysts.Chriss is committed to having PayPal innovate its way to growth. For example, the platform recently became the first major U.S. fintech stock to offer its own crypto token. PayPal USD is a dollar-pegged stablecoin, which it says is “the killer application for blockchains right now”So is PayPal a buy?While a doubling of its stock price may be some rose-colored glasses thinking, PayPal stock is cheap. It trades at just 10 times earnings estimates and a fraction of its earnings growth rate. Analysts expect the payments platform to grow profits at a compounded 18% annual rate over the next five years, or more than twice as fast as the previous five years.PayPal also generates consistent amounts of free cash flow (FCF). Trailing FCF stands at $3.2 billion. Although down from the $5.1 billion it produced in 2022, that’s because of certain accounting changes that occurred. On an apples-to-apples basis, FCF rose in the third quarter and PayPal expects to end the year with $4.6 billion worth.At this discounted price, I’d say PYPL stock is a fintech worth buying.","news_type":1,"symbols_score_info":{"PYPL":1}},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"EN"},{"id":250148869128408,"gmtCreate":1702090556739,"gmtModify":1702090561257,"author":{"id":"4111918200654022","authorId":"4111918200654022","name":"Omega Ohm","avatar":"https://community-static.tradeup.com/news/9a14cf17229b62efca0039ac01dd2e43","vip":1,"hat":"https://static.tigerbbs.com/f84d87792f02cf78e80ee34979fd31e5","crmLevel":12,"crmLevelSwitch":1,"authorIdStr":"4111918200654022","idStr":"4111918200654022"},"htmlText":"Share your opinion about this news…","listText":"Share your opinion about this news…","text":"Share your opinion about this news…","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":6,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/250148869128408","repostId":2389531528,"repostType":4,"repost":{"id":"2389531528","kind":"highlight","pubTimestamp":1702084068,"share":"https://ttm.financial/m/news/2389531528?lang=en_US&edition=fundamental","pubTime":"2023-12-09 09:07","market":"us","language":"en","title":"PayPal Stock Is Down 20%. Is It Finally a Buy?","url":"https://stock-news.laohu8.com/highlight/detail?id=2389531528","media":"InvestorPlace","summary":"PayPal  once owned the digital and peer-to-peer payments field but now faces a crush of well-financed rivals.Profits have been uneven as active members steadily fall.Yet the active members that remain are using the platform more often raising total payment volumes.PayPal  stock is having a rough 2023, as competition in the digital payments industry intensifies. Where it used to have the field to itself against traditional credit card and debit card payments, consumers now have a cornucopia of digital and peer-to-peer payment options.It’s not getting any easier for PayPal to make a profit. Although operating margins are improving, gross and net margins sit well-below the payments stock’s five-year average. Competition makes it more difficult.Having once been part of eBay, that company spun PayPal off into a standalone company and had exclusivity as the auction site’s preferred payment processor. However, that changed in 2018 when eBay chose Netherlands-based fintech Ayden as its preferr","content":"<div>\n<p>PayPal (PYPL) once owned the digital and peer-to-peer payments field but now faces a crush of well-financed rivals.Profits have been uneven as active members steadily fall.Yet the active members that ...</p>\n\n<a href=\"https://investorplace.com/2023/12/paypal-stock-is-down-20-is-it-finally-a-buy/\">Source Link</a>\n\n</div>\n","source":"investorplace_stock_picks","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>PayPal Stock Is Down 20%. Is It Finally a Buy?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nPayPal Stock Is Down 20%. Is It Finally a Buy?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2023-12-09 09:07 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://investorplace.com/2023/12/paypal-stock-is-down-20-is-it-finally-a-buy/><strong>InvestorPlace</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>PayPal (PYPL) once owned the digital and peer-to-peer payments field but now faces a crush of well-financed rivals.Profits have been uneven as active members steadily fall.Yet the active members that ...</p>\n\n<a href=\"https://investorplace.com/2023/12/paypal-stock-is-down-20-is-it-finally-a-buy/\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BK4527":"明星科技股","BK4534":"瑞士信贷持仓","BK4585":"ETF&股票定投概念","BK4533":"AQR资本管理(全球第二大对冲基金)","BK4566":"资本集团","BK4581":"高盛持仓","LU2089284900.SGD":"Allianz Global Sustainability Cl AM Dis H2-SGD","BK4106":"数据处理与外包服务","BK4535":"淡马锡持仓","LU1861217088.USD":"贝莱德金融科技A2","PYPL":"PayPal","LU2023251221.USD":"ALLIANZ GLOBAL SUSTAINABILITY \"AM\" (USD) INC","BK4588":"碎股","LU1861220207.SGD":"Blackrock FinTech A2 SGD-H","BK4227":"交易和支付处理服务","BK4551":"寇图资本持仓","BK4211":"区域性银行","LU0158827948.USD":"ALLIANZ GLOBAL SUSTAINABILITY \"A\" (USD) INC","BK4524":"宅经济概念","BK4554":"元宇宙及AR概念","LU2089283258.USD":"安联环球可持续基金Cl AM Dis"},"source_url":"https://investorplace.com/2023/12/paypal-stock-is-down-20-is-it-finally-a-buy/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2389531528","content_text":"PayPal (PYPL) once owned the digital and peer-to-peer payments field but now faces a crush of well-financed rivals.Profits have been uneven as active members steadily fall.Yet the active members that remain are using the platform more often raising total payment volumes.PayPal (NASDAQ: PYPL) stock is having a rough 2023, as competition in the digital payments industry intensifies. Where it used to have the field to itself against traditional credit card and debit card payments, consumers now have a cornucopia of digital and peer-to-peer payment options.Wall Street seems conflicted. The moderately bullish sentiment analysts have seemed at odds with the consensus price target they’ve assigned the stock. The $117 per share price point implies shares will double over the next year. Let’s see if that lofty valuation makes any sense and whether investors should buy the stock.No good deed goes unpunishedIt’s not getting any easier for PayPal to make a profit. Although operating margins are improving, gross and net margins sit well-below the payments stock’s five-year average. Competition makes it more difficult.Yet PayPal remains the most popular digital wallet. Right now, 69% of Americans who use such wallets compared to Apple Pay, Cash App, Venmo, Zelle, and Google Pay have used it. Its rivals are far behind with penetration rates between 30% and 35%. Morning Consult says the stock market may have soured on PayPal, but consumers still highly trust the platform, also by a wider margin than the competition.Over the past year, PayPal processed $1.5 trillion in total payment volume. That’s a massive sum. TPV jumped 15% in the third quarter to $388 million.While that’s a decrease in the rate of growth during the pandemic when TPV surged 38% in the third quarter, it represents a reversion to the mean. PayPal is simply returning to normalized rates even if the market is penalizing it for that.Focusing on what mattersIt’s not just slowing growth weighing on the stock, but declining numbers of active accounts too. PayPal ended the third quarter with 428 million active accounts, down from 435 million at the end of 2022. It’s lost accounts all year long, though PayPal’s growth has been slowing for years.Having once been part of eBay, that company spun PayPal off into a standalone company and had exclusivity as the auction site’s preferred payment processor. However, that changed in 2018 when eBay chose Netherlands-based fintech Ayden as its preferred partner.The move gave merchants on the platform greater control over their transactions and data than they had with PayPal. But it impacted PayPal’s growth trajectory.Still, the payments platform is delivering more bang for the buck. Even though active accounts dropped, payment transactions per active account actually increased. A year ago there were 50.1 million transactions per account, today there are 56.6 million. Overall, it processed 5.6 billion transactions in Q3 2022 and almost 6.3 billion today.PayPal is also going through an executive change in the C-suite. It has a new CEO who says the payments processor lost its focus under his predecessor. “Competition and complexity have increased and the company’s focus has not been clear,” Alex Chriss told analysts.Chriss is committed to having PayPal innovate its way to growth. For example, the platform recently became the first major U.S. fintech stock to offer its own crypto token. PayPal USD is a dollar-pegged stablecoin, which it says is “the killer application for blockchains right now”So is PayPal a buy?While a doubling of its stock price may be some rose-colored glasses thinking, PayPal stock is cheap. It trades at just 10 times earnings estimates and a fraction of its earnings growth rate. Analysts expect the payments platform to grow profits at a compounded 18% annual rate over the next five years, or more than twice as fast as the previous five years.PayPal also generates consistent amounts of free cash flow (FCF). Trailing FCF stands at $3.2 billion. Although down from the $5.1 billion it produced in 2022, that’s because of certain accounting changes that occurred. On an apples-to-apples basis, FCF rose in the third quarter and PayPal expects to end the year with $4.6 billion worth.At this discounted price, I’d say PYPL stock is a fintech worth buying.","news_type":1,"symbols_score_info":{"PYPL":1}},"isVote":1,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"tweetType":1,"langContent":"EN"}],"hasMoreComments":true,"newsSizeData":{"likeSize":8,"commentSize":2,"repostSize":0,"favoriteSize":1,"likeStatus":false,"favoriteStatus":false},"isCrawlerRequest":true}