This is for the long term investor. PYPL is clearly focusing on product catalysts to distinguish product and improve margin and profitability (more important than pure growth near term) and will then continually weave other products into a complete fintech ecosystem, focused dually on merchant (lower fees long term once they settle transactions in crypto and take on VISA $Visa(V)$ , Mastercard $MasterCard(MA)$ ; new marketing product focus with huge margin) and consumer (comprehensive sticky fintech ecosystem). And they are undertaking the product transition while profitable and able to generate more than $1.0B free cash per quarter. PYPL will generate 25%+ return annually for your portfolio for the next 3 years.
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