Added to YB: 2026-01-08
Pitch date: 2026-01-06
PYPL [neutral]
PayPal Holdings, Inc.
-2.66%
current return
Author Info
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Company Info
PayPal Holdings, Inc. operates a technology platform that enables digital payments for merchants and consumers worldwide.
Market Cap
$55.5B
Pitch Price
$59.87
Price Target
N/A
Dividend
0.94%
EV/EBITDA
8.40
P/E
11.91
EV/Sales
1.73
Sector
Financial Services
Category
value
PayPal: Branded Wallet
PYPL (overview): Branded wallet (60-70% of transaction profit) facing structural decline as Apple/Google Pay gain share via faster checkout flows. Trading at 12-13% FCF yield ($7B FCF, $56B cap) with management guiding 6-7% transaction margin growth. Bull case: agentic commerce partnerships w/ OpenAI/Google, international growth, unbranded processing offsetting branded pressure. Bear case: OS wallets compress branded take rates, merchant pushback, lack of segment disclosure obscures core economics deterioration.
Read full article (14 min)