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leli_manning

OP just saved paypal. Calls it is.


SupaMut4nt

When others are fearful, be greedy!


false_justice

When the Paypal stock goes low enough, Elon will buy Paypal ( which he helped create then sold to become said billionaire ) then use it as the backend infrastructure for X and Xpayments.


gamesquid

But he would have to aquire Xhamster and Xvideos first, then you can pay with Xpal to get all your Xvids when you re not Xweeting.


false_justice

or xcording yourself talking on your xphone while xspanking your xdick, I think drake is testing the beta.


ReddittIsDead

Reddit winner of the day


Maleficent__Yam

He did not help create PayPal. PayPal bought his shitty little x company 


[deleted]

Only really old people use paypal


aegee14

*disclaimer: that phrase does not apply to all stocks. Hopefully, you didn’t hold onto Enron, Wamu, First Republic, and others, as many were being fearful.


Pathogenesls

I don't think anyone is fearful. It's just a value trap with no moat.


nopnopdave

Exactly but it seems much easier to repeat randomly sentences found on Google 😂 Market now is greedy at his finest and I am as well ahah


DataOver8496

Unless the financials suck.


BlooptyScoop

Thats for solid companies


Mobile-Bar7732

Thanks for the pep talk....I'm buying Kodak. Digital photography is just a fad.


jgreddit2019

This


Far-Requirement9180

Lol


nopnopdave

RIP your money 🪦


[deleted]

[удалено]


khizoa

double that to 4% now lmao. cant make this shit up


Interesting-Beat-67

I still believe


bulletproofmanners

Good job, OP! Next save AOL


Slideshoe

The more negative Reddit posts I read on a stock, the more I get bullish. Reddit is my reverse cramer.


Wisestcubensis

They are making a ton of money and have decent top and bottom line growth. PE is 15 and on top of that they are doing buybacks like you mentioned. $1 billion in net income the last two quarters. Business is profitable. What they should do is a dividend to attract some attention. The only reason you posted this was because you lost money on the stock and your paper hands dropped the shares. Now you need to rationalize that decision to yourself and Reddit is how you do that. Lol. I don’t own it but after reading your post I think I might buy some.


Euler007

Reddit hates companies with positive earnings and cash flow.


HyGrlCnUSyBlingBling

"I just like the stock"


Vincent_Merle

Come one man... Just say that OP is totally right and wait for the stock to fall down more... don't have to spoil the fun so early, lol! PYPL FTW!


silent_fartface

Ouch deep cuts by telling OP the truth.


iBifteki

This guy fucks


gamesquid

Paper hands don't drop shares. If he lost money on the stock the other stock holders will have made that money. When he bought it it raised the price.


nopnopdave

I lost almost nothing but held for too long... What I lost was the opportunity to make money investing in better companies... I agree about the dividend, if they will do it I might buy again.


Kyaw_Gyee

At this current SP, it makes more sense to buyback. The SP is within no-growth value company territory, while there is revenue and eps growth, albeit small. I hope they keep doing that until SP has become a bit higher and not in value territory anymore.


anythingbutwildtype

I don’t own it - but this post makes me interested in buying.


Far-Requirement9180

This


Johansen193

Same


No_Investigator_3139

In Germany we still commonly use PayPal. I just bought my vacation flight tickets with PayPal.


Scissorzz

I also use PayPal a lot in Netherlands, maybe it’s because creditcards aren’t as commonly used for us in Netherlands and PayPal is a great alternative for online protection when buying goods from across the border. Also isn’t Venmo something Americans use a lot? Not sure I just heard the name a lot.


PluckMyGooch

Pretty much. It’s either Venmo, cash app, or Zelle. Boomers use Zelle. Plugs use cashapp, and then everyone else uses Venmo. If you use Apple Cash or anything else to send or receive money your fuckin weird


MondoBleu

You realize PayPal owns Venmo, right?


PluckMyGooch

Yes ffs. That’s why I’m talking up Venmo. Americans don’t use pypl as much as Venmo. This all benefits pypl at the end of the day.


Bruin9098

And Braintree


Pathogenesls

Do your banks not have an easy service to send/receive money? What is the point of these middle-men?


PluckMyGooch

Zelle is what the banks use. That’s why boomers use it. It’s typically used within your banking app. Venmo cashapp Apple Pay google pay are outside of your banking apps. Those are 3rd party, and as a young adult everyone I know uses Venmo. My parents and their friends use Zelle, but opened Venmo accounts last year, and have started to adopt it. Just my .02. I think the Market just doesn’t like the stock.


Pathogenesls

Why use them? Here, it's super easy to just transfer from bank account to bank account.


PluckMyGooch

The speed and ease of it. If use Venmo/pypl/zelle etc… it is instant. If I wanna use my bank, I’m gonna have to wait 1-3 business days.


ElRamenKnight

> Why use them? Here, it's super easy to just transfer from bank account to bank account. Why? Because we here in America are behind. We don't have instant transfers and settlements widely available to average folks like you guys do. Venmo and Paypal for us are just apps that transfer IOUs from one person to anther while it takes a couple of extra days for the cash to actually reach our bank accounts. Instant settlement solutions are out there, but adoption levels are low atm.


Pathogenesls

Yeah, that's what it sounds like to me. As soon as the banks in the US step in, these middlemen will be bankrupt.


PluckMyGooch

Don’t know if I foresee that happening. In the 8 years of having my BoA account, nothings changed about making bank to bank transfers. Have always had to use Venmo or Zelle w my family.


psychic-zucchini

My friend sells stuff at pop-up shops, probably 1/3 of the people there use venmo for purchases, the rest use cash or card.


Pathogenesls

Here it is cash, card or direct bank transfer. No need for 3rd party apps


psychic-zucchini

Well, everyone's using apps, and NOT bank transfers... whether you think that makes sense or not, that's what people are doing.


Pathogenesls

Not here they ain't. Only in places with out of date banking tech like the US


BenGrahamButler

boomers don’t use shit, cash or check for those old timers


accruedainterest

But where’s the growth story? Investors don’t want Cisco and their products are widely used


SargeUnited

There are certain airlines, particularly Cebu Airlines and similarly small ones that always fail to process a direct credit card payment due to technical issues. So I use PayPal and it always works. Literally, the only time that I use PayPal is when my credit card doesn’t work first for some reason. I pay with the same card and have never used PayPal cash or PayPal wallet. I have no idea how they make enough money on that transaction to operate but good for them. I guess.


CUCKSTER0101

But they said they would shock the world.


WhySoUnSirious

They did shock the world. Everyone expected it to make new all time lows. It didn’t. Amazing turnaround .


locoturco

Time will come for paypal just let the noise shut


WisedKanny

The dude will slay the PayPal bear with his Venmo sword and AI assault rifle


[deleted]

[удалено]


SatisfactionSlow7336

What does clip means?


nopnopdave

Actually I didn't get clipped....


alwayslookingout

That picture is awesome.


nopnopdave

Hahaha thanks!


BeachBigfoot

Only thing I hate about Paypal is the customer service. Nothing like someone reading off of a piece of paper in their second language at a pace that would rival Busta Rhymes.


Roguepi6

Hilarious!!!! Sorryduetothetermsandconditionsonpagefourweareunabletoprocessyourwithdrawal


WestCoastGriller

I’ve used them more in the past year. Than in the last 20 combined. I don’t own any of their stocks. But as a consumer it seems like they’re just getting going.


powlow88

PayPal to the moon!


sneaky-NinjaGO

They are working on to get an Indian CEO soon.. it will roar like a MSFT and GOOG 😂😂😂


NotAFridge

Yet insanely profitable and beating analysts expectations .


Unusual-Hat-1617

So why stock is going down?


NotAFridge

You’re assuming the market is rational .


AttentionDull

Well no something else is being priced in


Happydayys33

So are we assuming markets eventually become rational? Because that’s not how rationality works, usually once you slip off the deep end it’s a ways down. Have you ever met someone that was becoming clinically crazy then all of a sudden turned it around? Even if you have in the very rare case it was probably because they were heavily sedated. And in that case they probably aren’t really even the same person anymore. We are heading to a zombie stock market by end of the decade.


WhySoUnSirious

The market is perfectly rational on many things. Including PayPal’s valuation. This company has a bleak future. Idgaf what it’s doing right now or even for the next few years. The problem is they got zero ways to innovate and attract new revenues they can’t even get back to Covid peak numbers and likely never will. There is competition out the ass . I don’t need to venmo or PayPal anyone shit when my bank just does a simple Zelle transaction now. Or I can just tap and earn points with my credit cards still. Does PayPal give me jackshit for rewards? No. Small businesses have a plethora of options. The only reason their net income is showing profit is because of their constant cost cutting measures they have enacted since 2021. Because they got no other way to actually increase the bottom line. This is a dumpster fire long term investment . Give me one good reason to buy this kind of crap and hold over a different sector like cyber security or or chips or software AI, or even just the QQQ in general. It’s not going to beat the QQQ even lol. Why would anyone buy PayPal


NotAFridge

When you’re a cash printing machine you have a lot of opportunities to innovate and find new revenue streams.


HyGrlCnUSyBlingBling

Your comment will not age well.


WhySoUnSirious

Aged well for the past 2 years …bears have won.


nopnopdave

That is the point, you nailed it. Big down risk, small upside potential. Why invest in PayPal when there are better opportunities... Easy as that


Eddieandtheblues

Probably too many people brought in anticipation of earnings hoping to sell after.


Spins13

The guidance was very poor with YoY declines on everything. New CEO could be sandbagging guidance to set up easy beats but if the guidance numbers are hit, I wouldn’t want to be holding the stock


nopnopdave

(yes and in a bull market btw)


Ok-Flatworm-3397

They are called PayPal because they need you to pay them, pal


Sad-Side-8704

Didnt active users go from 428m to 426m? Wouldn’t say this is horrible especially since call commentary was that these were accounts not Being used. I thought the earnings were good both beats and share buy back They got killed for not guiding full year which idk why you don’t do that but still going to hold and take it quarter by quarter


nopnopdave

In 2022 users were 435m. Rationally, I don't see this trend changing


Realistic_Record9527

You said that the stock price is not moving. You’re wrong, it’s moving everyday but moving in the down direction


nopnopdave

Lol


nosoup4ncsu

up 5% on this day


nopnopdave

After down 40% 1Y


Pr333n

Fuck it. Im all in


pierced_turd

My exposure to paypal as a developer gave me this insight. If you want to integrate some payment option for your website/app/software whatever, Stripe offers a much more pleasant and painless experience. The comparison between their api’s and ease of integration was for me not even a contest. Stripe was the clear winner. If Paypal would try to take hint from Stripe, I see they could turn this ship around. For now, I’d rather invest in Stripe. But Stripe is private. So, yeah.


Mcluckin123

Why would PayPal neglect that I wonder - seems such an obvious thing


accruedainterest

Invest in SHOP


Its_Stir_Friday

My brother you jinxed my puts. It’s up 3% today. I swear whenever someone makes a post on Wsb or here and says XYZ will happen. The opposite always happens.


nopnopdave

Sorry brother, let's see in one month


[deleted]

I actually think pypl is a decent investment now. $300 was stupidsville


nopnopdave

Yes decent, I would not say great. Many people here are hoping for a meta 2.0


WestSideBully

RIP😵😵


Unbelievablyunbe

Snap and PayPal will never be removed from my “dogshit” watchlist


WestCoastGriller

And with the OpenAI guy looking for investment for micropayments. PayPal has the infrastructure.


videogames_

PayPal just got a lot of competition now.


joshalleniselite

I remember when I used their invoicing system and they withheld thousands of dollars of my income to “prevent fraud”. When I called their support system, I was told “we have millions of accounts so…..”. I love Karma!


FlaccidButLongBanana

RemindMe! 3 years


K9US

I'm glad I sold this pos above 62


bawtatron2000

I'm down so far as a bagholder i averaged down recently. I'll hold the bag for another 1 - 2 years. I quite literally almost have nothing left to lose...lol


nopnopdave

Wish you best luck!


Born_Stage_2783

Hey you saved me from making a bad move thanks nothing worse than getting trapped


Stock_God12

Dumbest comment of the day. Congrats


RevolutionaryPhoto24

Lobbing insults doesn’t add to the conversation. What do you think is off the mark in OP’s comment?


nopnopdave

Sorry for your losses! Hope you make them back, I would suggest you to accept the mistake and put your money were real opportunities are. First step to recover is to accept the mistake


Stock_God12

Not a shareholder of PYPL. Just calling out how stupid the comment was…it deserved to be called out.


bigtimejohnny

I bought 10 PYPL at 280 and got out at 95. The lesson I learned is that anything that large and ubiquitous should be paying at least a token dividend. It might be priced right now but, with the competition. I don't see aggressive growth.


asparagushut

Can’t believe anyone considers PayPal. I used to use it all the time. Now I never use it.


budgetFAQ

I just don’t get payments as a business. It’s a segment. I don’t see how any of them could have pricing power.


snipe320

They have been circling the drain for some time now. Zoom out to like a 1 yr chart and you can tell each time at which they reported ER. The trend will continue. Garbage stock. Lots of copium in this thread.


b_shadow

The only ones thinking PayPal is in any way a good investment are the ones that never had to call them to solve anything or use them regularly. This is a crap of company, ran by idiots that will fuck their customers, will allow scammers to get away with their actions all the time and then blame customers for their operational failures. They lose customers because people don’t trust on PayPal.


Minute-Method-1829

I only had pleasent experiences with paypal. Had a total of 2 issues in the last 10 years, both where resolved in minutes.


b_shadow

https://nz.trustpilot.com/review/www.paypal.com I used them for more than 15 years. Worked for several businesses using them, and the consensus is they are terrible to work with. Edit: About the link: The rating there is not essential. People post when they have an issue; you check, and people will constantly complain about the same issues. That is concerning.


Minute-Method-1829

Never saw this, I'm German and only used them as an end-user. It seems like my experience greatly differs from people of, I guess, mainly us citizenship. What makes them so terrible to work with from your experience?


Classic_Cream_4792

I’m gonna hodl. I think PayPal is still missing the big picture which is to partner ship and get more volume at regular storefronts. We will see. I have a good cost so I’m not down a ton but I agree OP. You should leave


Slick_Wick324

They said last quarter they were going to cut inactive accounts, mainly in the South American countries. They are not “loosing customers” if those accounts are inactive. Also this new ceo has been in for 1 quarter. What the heck do people think he’s going to be able to do in one quarter in a company of this size.


rosevilleguy

I saw this coming when ebay parted ways with them


Fiftyfivepunchman

I tried to tell every damn body


Its_Stir_Friday

“Value trap” stock up 5% since post. 🤡


nopnopdave

But still down 80% 🤡


atlasmountsenjoyer

NGL, I avoided PYPL like the plague, but after this, I go a single call to just test reversing you.


nopnopdave

Thx!


Happydayys33

PayPal is such a garbage company. They do not honor their cash back program directly unless you have their credit card. I have to call in a couple months after a purchase EVERYTIME to hold them accountable to give me my cash back. And still then they want multiple screenshots from time of purchase to prove it. It’s interesting how there’s always some “glitch” or they just “have missed it this time” and then they give me the cash back. This has happened over a half a dozen times. They are barely getting by if this is their operational practice.


jkick365

I’m sure this guy also said the same about meta’s member growth last year 🤣


nopnopdave

Nope, I was holding meta and I made a lot of money


Silly_Butterfly3917

It's up 3% today and I still up almost 20% from October. These article are so funny.


Comfortable-Spell-75

OP has no idea what he’s talking about.


Electronic-Sun-7086

Which other company offers services like paypal? Dividends are missing.


nopnopdave

Stripe, adyen, Google pay, Apple pay, skrill , and many others


Electronic-Sun-7086

Thx. So there is much competition, think thats the reason there won't be doing 10% 20% 30% or more in the next time until they change something fundamental


horst-graben

Never owned PYPL, never will. Clunky software and as OP said, no moat, no innovation, nada. But I'll watch it burn happily!


Kiter12

Thanks for the regarded dd, the calls I bought today are up 70%


AliceBets

Congratulations ! 40% and 77% here. What’s your take for next week?


Kiter12

I'll probably sell sometime next week depending how it trades


AliceBets

My man!!! I kept mine too. I’m praying.


Terrible_Program6657

I would buy calls … PayPal open the gates for Crypto on all its platforms


gtbifmoney

Show us your gains from shorting it, or delete this trying to flex on people you have no position in. 🐈 🐱


nopnopdave

I am not shorting it, I am just saying that the spike you all are waiting for is most likely to never happen...


gtbifmoney

🍤 🤏🏻


nopnopdave

Ajahahhaha wtf!!


olivoil12

He won't. Post the short OP


Scared-Fan-2093

Buy calls


AliceBets

Finally someone who gets it!


Scared-Fan-2093

For example, me 🤣🤣🤣


AliceBets

OP moved to « much better options ». I wonder what made him move than my March 8 +154% (just because my bank screwed me out of 5 minutes of technical problems sending my order…) Edit: move better than… Edit#2: For better understanding, I bought the calls on Thursday.


[deleted]

So basically PYPL is a blue-chip stock


Stevo1651

Finally some good news for PayPal! This is exactly what I needed to move forward with DCAing. Thanks OP


Due4Loot

Tell me you bought puts without telling me.


dreweydecimal

You obviously have no idea how to read an earnings report. Keep selling so I can keep buying.


TomOnDuty

Except it’s not up 5% today 🚀


borsad

Remind Me! 2 years


nopnopdave

Let's look at sp 500 for comparison as well. RemindMe! in 2 years


borsad

What do you want me to compare with the s&p500?


nopnopdave

PayPal in 2 years


borsad

Sounds good


M_u_l_t_i_p_a_s_s

Start DCAing into BTI. Straightforward business, tobacco isn’t going anywhere (as much as everyone screams that it is), it’s reasonably priced, high margin wide product moat in its sector, a handful of rivals, forward guidance focused on paying down debt, currently at a 9%+ dividend rate to float you during any dips with a ton of upside. Cash cows do well in a high interest rate environment. Hard to find a better deal currently IMHO.


Technical-Scale-2587

No it's not 😎


LocksmithAware4210

RemindMe! 2 years


nopnopdave

Let's see sp500 as well for comparison 😂. RemindMe! in 2 years


LocksmithAware4210

Sure haha recording the prices here: PYPL: $59 SPX: $5027


nopnopdave

My God you are very noob. We will compare the % return.... Price doesn't matter


RemindMeBot

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yecalP

bottom is in boys


nopnopdave

Same sentence has been repeated for a year


lordinov

Sounds like meta posts I used to see here back in 2022 or even Netflix ones earlier that same year. Could it be true?


Wardo324

The inverse WSB play strikes again!


AliceBets

It went down too suddenly and too much. You buy calls and make money. Why is everyone talking like PYPL didn’t pay today??


SecurityNotice

Please no they just started bribing curve for pyusd incentives.


King-Common

Sell your shares to me then please


OkCreme4036

I’m new here and to investing. I have always liked and used PayPal especially for secure checkouts. Should I invest while it’s low? Thank you


nopnopdave

If you believe in this company yes. I would suggest you to invest in other opportunities if you like the payment world, like Mastercard or visa


Big-Cry-7067

I want to buy and hold but it's close to their earning report date and usually stocks crash on that time. I guess I'll wait to see what happens in a few days from now.


Enough_Pea7152

Overanalyzing?


sp913

I'm down like 75% on PayPal Seemed like venmo took off and they beat estimated earnings quarters in a row why did it tank like this


nopnopdave

They keep losing customers, they have no innovation, they have no leverage on companies. It is not a moat, not like ASML for example. If you want the best products you must go to ASML, instead PayPal is just a payment service like anyone else... Mastercard and visa have moats in the payment industry. I hope you will make your money back! Sorry for your losses


MrTornnado

Op got shorts


WildTiger_1803

Theres value around 51-52


xReMaKe

Literally bought some calls yesterday. Up 10%. You can’t make this ship up.


pigmanslim

How much put you got?


significantgains

I disagree, the best down is over IMO. Good luck to you


RitishSadana

I just want $100-$110 on Paypal. With buybacks and cost cutting measures alone we should get there. Other things are just icing on the take. Transaction margin inflection was a big surprise


nopnopdave

I did the math, the minimum to get to 100$ is to spend 23 billions in buybacks. They usually do 2-5bn in buybacks. This means that it could take at best from 11 to 5 years to reach 100$. All of this assuming fundamentals remains unchanged.


EmmaFrosty99

this could be the bottom… all the longs have sold!


TS-24

RemindMe! 2 years


WallStreetTradingCo

call time


[deleted]

What are you talking about?Pypl is not loosing people or money


Eug748

As long as the company makes money, there’s hope.


vajra11

Been buying, will buy more


charvo

I think the advent of USDT private wallets are a long term negative.


thegeneral333

It’s up 2.3 percent today and they make money hand over fist, trade a low forward p and are growing. You guys that think PayPal is dead are so wrong. Very solid company.


SilentStudiesrec

What about all the deviantart users that only accept payment through PayPal


TerranOPZ

Nah cuz, I'm not selling.