The aging fintech leader still faces plenty of long-term challenges.PayPal's (PYPL 2.30%) stock has rallied 41% this year as the digital payments leader has attempted to put its struggles behind it under a new CEO. Is it still worth investing in anticipation of a long-term recovery? Let's take a fresh look at its business model, its most pressing challenges, and its valuations to decide. What are PayPal's most pressing problems?PayPal owns one of the world's largest digital payment platforms, but a lot of i ...

I am a full-time analyst interested in a wide range of stocks. With my unique insights and knowledge, I hope to provide other investors with a contrasting view of my portfolio, given my particular background.If you have any questions, feel free to reach out to me via a direct message on Seeking Alpha or leave a comment on one of my articles.Analyst’s Disclosure: I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the ...

PayPal (PYPL 2.30%) is a leader in the electronic payments niche of the broader financial services industry but hasn't been too kind to investors in recent years. Shares currently trade at an alarming 73% off their peak, which was established in July 2021.However, there's been a renewed sense of optimism from the market, as the fintech stock has climbed 25% in the past three months (as of Nov. 18). Does this momentum make the PayPal shares a no-brainer buy that can double in five years?Solid financial perfo ...

PayPal experienced a global outage that affected multiple products for about two hours Thursday (Nov. 21).The incident lasted from 10:53 UTC to 12:59 UTC Thursday, the company said on its status page.The outage affected account withdrawals, express checkout, cryptocurrency, the receive money function of Xoom and several functions of Venmo, according to the status page.PayPal posted its initial notification of the incident at 12:15 UTC Thursday and said it was resolved at 12:59 UTC Thursday.“We are experienc ...

PayPal said on Thursday that it was “experiencing a system issue” that appears to be interfering with merchants’ ability to process payments.The San Jose, Calif.-based tech giant issued an incident report on its web site on Thursday saying that the outage “may be affecting multiple products in our Production environment.”“Merchants may be encountering an elevated number of” error messages.PayPal said on Thursday that it was “experiencing a system issue” that appears to be interfering with merchants’ ability ...

PayPal will begin letting its disbursement partners use PayPal USD to settle cross-border money transfers.The new service will be offered through PayPal’s Xoom cross-border payments business, according to a Tuesday (Nov. 19) press release. Philippines-based financial services firm Cebuana Lhuillier and Africa’s Yellow Card are the first users.“Cross-border transactions are an important driver for economic growth and prosperity in developing countries,” Jose Fernandez da Ponte, PayPal senior vice president o ...

Shares of the fintech enterprise have surged in the past few months.Since its founding more than two decades ago, PayPal (PYPL -1.74%) has become a leader in the digital payments arena. However, in the past few years, it has become a disappointment for investors.Shares of PayPal currently trade about 70% below the all-time high they touched in 2021, even though they have soared by more than 40% in the past four months. That combination might have you considering this fintech stock as an investment candidate ...

PayPal customers can easily collect and manage funds with friends and family for things like group gifts, travel, special events, and more in the PayPal app.SAN JOSE, Calif., Nov. 14, 2024 /PRNewswire/ -- Today, PayPal announced a new experience that gives customers an easy way to pool money with friends and family for group gifts, travel, special events or other shared expenses. Rolling out globally across the US, Germany, Italy and Spain, the new experience gives customers the ability to set up a pool in ...

核心观点 - 长期持有(HODL)无法产生显著的超额收益(alpha)或维持高夏普比率(Sharpe ratio) 寻求阿尔法(Seeking Alpha)需要积极管理并最小化机会成本 投资者应明白寻求高正回报不一定意味着产生高阿尔法 [1] 无相关投资情况 - 分析师无在提及公司的股票期权或类似衍生品头寸 且72小时内无计划建立头寸 文章为分析师独立撰写 除来自Seeking Alpha外无报酬 与文章提及股票的公司无业务关系 [2] 关于Seeking Alpha的说明 - 过去表现不保证未来结果 未给出投资是否适合特定投资者的推荐或建议 上述观点可能不反映Seeking Alpha整体观点 Seeking Alpha不是持牌证券交易商经纪商美国投资顾问或投资银行 分析师为第三方作者包括专业和个人投资者 可能未被任何机构或监管机构许可或认证 [3]

公司估值情况 - PayPal（PYPL）股票价值评分B在Zacks互联网软件中较便宜[1] - 其远期12个月市盈率为17.91倍，相比行业34.87倍有显著折扣[1] 公司股票表现 - 今年迄今为止公司股票回报率为41.6%，优于Zacks计算机和技术板块的30%以及行业的29.8%[3] - 公司股票交易价格高于50日和200日移动平均线，呈牛市趋势[4] 公司业务情况 - 公司总支付量同比增长9%，在2024年第三季度达到4226.41亿美元[5] - 公司总活跃账户同比增长1%至4.32亿，每个活跃账户的支付交易为6140万，同比增长9%[6] - 交易利润为37亿美元，报告基础上增长超过8%，不计客户余额利息增长超过6%[6] - 先买后付（Buy Now, Pay Later）使用量增长15% - 20%[6] - 公司推出Fastlane提升访客结账体验，自8月推出以来，1000多家商家使用[7] - 公司在包括中国和中国香港在内的新地区推出PayPal Complete Payments，2025年将扩展到更多市场[8] 公司合作伙伴情况 - 公司合作伙伴包括Fiserv、Adyen、亚马逊（AMZN）、Global Payments和Shopify（SHOP）等[9] - 公司成为Shopify Payments在美国的额外处理器，其品牌结账解决方案已集成到Shopify Payments中[10] - 公司与亚马逊合作，2025年将让Prime会员可关联亚马逊和PayPal账户[11] - 公司与苹果和谷歌合作，将Venmo借记卡与Apple Pay和Google Pay集成[11] - 公司是Meta Platforms（META）旗下应用全球广告商和消费者的主要支付方式[12] 公司盈利预期情况 - 2024年公司预计非GAAP收益较2023年有高十几的增长（高于之前低到中十几的增长预期）[13] - 目前Zacks对每股收益的共识估计为4.56美元，较2023年报告数字下降10.59%，但过去30天提高了3.2%[13] - 目前对营收的共识标记为316.7亿美元，较2023年报告数字增长6.39%[13] - 2024年公司预计交易利润美元增长为中个位数[14] - 2024年第四季度公司预计营收低个位数增长，Zacks对营收的共识估计为82.5亿美元，同比增长2.83%[14] - 2024年第四季度非GAAP收益预计同比低到中个位数下降[14] - 目前Zacks对2024年第四季度每股收益的共识估计为1.11美元，较上年同期下降25%，但过去30天收益数字增加了几分[15] 投资者相关情况 - 公司强大的业务组合、不断扩大的合作伙伴基础和低廉的估值对长期投资者有吸引力[16] - 公司预计2024年第四季度及2025年Braintree交易量和营收增长较低，营销支出导致非交易运营费用增加将影响2024年第四季度利润，2024年非交易运营费用预计低个位数增长且2025年可能延续这一趋势[17] - 公司目前Zacks排名为3（持有），可能需等待更有利的入场点[18]