PayPal Inc. NASDAQ: PYPL płatności online

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PayPal (NASDAQ:PYPL) stock fell 6.5% after the payments processor cut its annual revenue forecast, warning of a bleak holiday quarter as consumers cut back on discretionary spends.

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UBS analysts raised the firm's price target on PayPal (NASDAQ:PYPL) to $129 from $125 in a research note, stating they believe the market is not pricing in potential PayPal growth.

The analysts, who have a Buy rating on the stock, said they see a solid entry point for the shares.

"From 2022 to 2026E, we believe PayPal can generate a 10% revenue CAGR fueled by 10% total payment volume (TPV) growth and 14% Other Value-added Services ("OVAS") revenue gains based on our interactive model," the analysts wrote.

They added that "low-double-digit top-line gains when combined with ~100 basis points annual margin expansion should drive EPS growth in the high-teens."

"With PayPal trading at ~14x our '23E EPS, the market does not appear to price-in this growth, providing a solid entry point for the shares, in our view," they continued.

Elsewhere Monday, Wells Fargo analysts said in a note that the firm's analysis shows PYPL's branded checkout is gaining share in its core markets of the U.S., U.K., and EU.

"We dove into PYPL's disclosures on its branded checkout volumes, and also higher-level e-com volume data in PYPL's three core markets: the U.S., U.K. and EU," explained the analysts, who have an Overweight rating and $97 price target on the stock.

"We find PYPL's branded checkout volumes have outgrown aggregate e-com sales in these three core markets consistently since 2019; the 'spread' (branded growth minus core mkt growth) on an annual basis ranges between 3%-7%," they added. "Based on our analysis, PYPL gained 50bps of share last year in its core markets."

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PayPal (NASDAQ:PYPL) Holdings PYPL.O dropped 7% after a cut to its margin forecast.

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Atlantic Equities analysts downgraded PayPal (NASDAQ:PYPL) to Neutral, reducing the firm's price target on the stock to $72 in a note to clients Tuesday.

They believe key challenges are set to continue for PayPal and, as a result, they have decided to move to the sidelines.

"We had previously expected top line growth stabilisation, resilient earnings growth and below-market valuation to enable PayPal's stock to outperform, but these factors have been more than offset by ongoing competition concerns," they explained.

The analysts also believe PayPal's checkout market share overhang will continue, its unbranded margin drag is ongoing, and while its valuation is undemanding, it could remain rangebound.

"There look to be no quick fixes to PayPal's branded market share or transaction margins, making it tough to see what actions will reignite investor interest in the stock near-term, even from new leadership, so we move to the sidelines with a Neutral rating," the analysts concluded.

Analitycy Atlantic Equities obniżyli rating PayPal (NASDAQ:PYPL) do neutralnego, obniżając cenę docelową firmy na akcje do 72 USD w nocie dla klientów we wtorek.

Uważają, że kluczowe wyzwania będą kontynuowane przez PayPal i w związku z tym postanowili odsunąć się na boczny tor.

"Wcześniej oczekiwaliśmy stabilizacji wzrostu na najwyższym poziomie, odpornego wzrostu zysków i wyceny poniżej rynkowej, aby umożliwić akcjom PayPal lepsze wyniki, ale czynniki te zostały z nadwyżką zrównoważone przez ciągłe obawy o konkurencję" - wyjaśnili.

Analitycy uważają również, że nawisy PayPal rynku kasowym będą kontynuowane, niemarkowy spadek marży trwa, a podczas gdy jego wycena jest mało wymagająca, może pozostać w przedziale.

"Wygląda na to, że nie ma szybkich poprawek do udziału w rynku marki PayPal lub marż transakcyjnych, co utrudnia przewidzenie, jakie działania ponownie wzbudzą zainteresowanie inwestorów akcjami w najbliższym czasie, nawet ze strony nowego kierownictwa, więc przechodzimy na bok z neutralnym ratingiem" - podsumowali analitycy.

https://www.investing.com/news/stock-ma ... SI-3104326

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PayPal (NASDAQ:PYPL) climbed after agreeing to sell a part of its European buy now, pay later loans.

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(Reuters) -Shares of PayPal (NASDAQ:PYPL) Holdings fell nearly 11% on Thursday as weak second-quarter margins at the digital payments firm overshadowed a strong forecast.

The stock was trading at $65.29, its lowest since mid-June.

The company said higher provisions at its credit portfolio hit margins and that it had tightened underwriting standards on loans.

The San Jose, California-based company reported second-quarter adjusted operating margins of 21.4% after markets closed on Wednesday. Those were at 22.7% in the first quarter.

Profit margins at PayPal have come under scrutiny in recent months. While its low-margin businesses like Braintree have shown strong growth, higher-margin business like the PayPal-branded checkout platform have shown slower growth.

"This was another disappointing earnings report from PayPal," Edward Jones analyst Logan Purk said. "This will fuel investor's bearish outlook that PayPal's focus on its largest customers will result in lower overall profitability."

The company is also looking for a new CEO to succeed Dan Schulman, who will retire at the end of the year.

"We are in the very final stages of the process with several outstanding candidates," Schulman said on Wednesday.

J.P.Morgan analyst Tien-tsin Huang said they expect the stock to remain "range-bound" until a leadership change is made and strategic efforts begin to bear fruit, "which we don't expect for a few quarters."

PayPal expects adjusted profit per share for the current quarter to be in a range of $1.22 and $1.24, while analysts expect a profit of $1.22 per share.
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PayPal's weak margin eclipses upbeat spending outlook

https://www.investing.com/news/economy/ ... es-3142517

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Dlaczego start stablecoina PayPala jest najważniejszą kryptowalutową nowością 2023 roku

Uruchomienie przez PayPal stablecoina* PYUSD w 2023 roku jest znaczącym kamieniem milowym w kryptografii , wyprzedzając oczekiwania na zatwierdzenie Bitcoin ETF. Po wczesnym przyjęciu kryptowalut, posunięcie PayPal w 2020 r. wzmocniło legitymację tej klasy aktywów i wzbudziło globalne zainteresowanie. Przyjście PYUSD zbiega się ze wzrostem adopcji stablecoinów offshore, dodając stabilności branży i zachęcając do podobnych przedsięwzięć. W przeciwieństwie do ETF na bitcoina, integracja PYUSD ułatwia szerszy dostęp do publicznych blockchainów, zwiększając użyteczność i dostępność globalną. Ponadto ugruntowana infrastruktura PayPal pozwala mu w wyjątkowy sposób rozwiązywać problemy związane z wdrażaniem fiducjarnym, z korzyścią dla milionów.

*Stablecoin – token płatniczy, którego wartość jest trwale powiązana z wartością dobra pozostającego w obrocie, np. złota lub oficjalnej waluty (FIAT).

Może, przy zachowaniu dodatkowych wymogów przewidzianych w ustawie o usługach płatniczych, spełniać definicję pieniądza elektronicznego.

inne linki
https://bitcoin.pl/paypal-wprowadza-swo ... oina-pyusd
https://comparic.pl/paypal-i-pyusd-czeg ... platnosci/

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PayPal Holdings (NASDAQ:PYPL), down 2%, came under pressure after MoffetNathanson downgraded its rating on the payments platform to market perform from outperform on worries about growth amid intense competition.

TAGI moffetta mofeta moffetts mofeta

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Zastrzeżona ankieta Mizuho pokazuje, że PayPal (NASDAQ:PYPL) można naprawić, według analityków firmy w nocie we wtorek.

Firma przeprowadziła anonimową ankietę wśród prawie 50 inwestorów instytucjonalnych i stwierdziła, że wynik "toruje drogę do sukcesu".

"Nasza zastrzeżona anonimowa ankieta przeprowadzona wśród prawie 50 inwestorów instytucjonalnych rzuca światło na to, czego inwestorzy mogą chcieć zobaczyć od nowego dyrektora generalnego PYPL, Alexa Chrissa" - zauważyli analitycy, którzy mają rating Kupuj i cenę docelową 92 USD na akcjach.

"Dobrą wiadomością jest to, że 85% uważa, że PYPL można potencjalnie naprawić. Większość (78%) woli, aby kierownictwo przedkładało wzrost przychodów nad wzrost marży" - dodali.

Co więcej, Mizuho powiedział, że 64% chciałoby połączenia platform PayPal i Venmo, podczas gdy "co ciekawe", tylko 28% wyraziło apetyt na zbudowanie strategii SMB / B2B. Analitycy zauważyli, że nowy dyrektor generalny kierował grupą Small Business and Self-Employed w Intuit (NASDAQ:INTU).

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PayPal shares rally amid broader market surge

On Monday, PayPal (NASDAQ:PYPL)'s shares experienced a significant rebound, rising by 2.24% to $57, following a two-day slump. This rally outperformed Apple (NASDAQ:AAPL)'s minor decrease of 0.07% and surpassed the growth of Alphabet (NASDAQ:GOOGL) Inc.'s Cl C and Cl A stocks, which increased by 1.38% and 1.26% respectively. This resurgence in PayPal's performance coincided with a broader market surge witnessed on Monday. Major indices such as the S&P 500 and Dow Jones also climbed significantly, registering increases of 1.06% and 0.93%.

PayPal's closing price remains $35.62 short of its annual high of $92.62, which was set in November 2022. Despite this, it's important to note that PayPal's market cap stands at a robust 62.59B USD, according to InvestingPro's real-time metrics. The company's P/E ratio is 15.78, indicating a favorable valuation relative to its earnings. Moreover, the company's adjusted P/E ratio for Q2 2023 is projected to be 15.95, suggesting a stable earnings outlook.

While PayPal's share price saw an uptick, its trading volume fell short of its average, indicating a potential lack of participation from investors or traders in this rally. Interestingly, this comes at a time when PayPal's management has been aggressively buying back shares, according to InvestingPro Tips. This could signal a strong belief in the company's intrinsic value and future prospects.

As the market continues to evolve, it remains to be seen how PayPal's shares will perform in the coming days and weeks. Yet, with a healthy revenue growth of 8.21% and a gross profit margin of 41.3% as per InvestingPro data, the company's financial health appears solid. Additionally, the company is expected to see a growth in net income this year, which is a positive sign for potential investors, as highlighted by InvestingPro Tips.

The company's stock has taken a hit over the last six months, trading near its 52-week low. But analysts predict that the company will be profitable this year, and the stock is trading at a low P/E ratio relative to near-term earnings growth. This, coupled with the fact that PayPal is a prominent player in the Financial Services industry, could make it a potentially attractive investment option.

For more insights and tips like these, consider checking out InvestingPro's product that offers additional tips, available here. The platform currently features eleven more tips for PayPal, providing a comprehensive analysis for informed investment decisions.