Is anyone considering PayPal?

I understand that the level of competition is a downside. I also understand that PYPL has been strongly bearish since 2021. However, there is a lot of potential here. Here is a quick summary: Revenue increasing YOY ✔ Gross profit increasing YOY ✔ Net profit increasing YOY ✔ Health acid-test ratio ✔ The company has plenty of cash and is not drowning in debt. It pays a regular dividend and has a global customer base. Despite the good financials, the current CEO is stepping down as the company 'is not where it needs to be'. The new CEO, Enrique Lores, takes office on 1 March, 2026. New CEO's are a gamble. They can drive stock prices lower, but they can also turn things around. The concern with buying PayPal is that it's a value trap, i.e. it seems like a bargain, but the company has no growth potential. It becomes stagnant, or its financials even start declining. I get it. But, is it worth $40 per share? I think so. Prices are back to where they started in 2015. From a technical view, buying PayPal at any level since 2021 would have resulted in significant losses. The stock has fallen another 50% since the summer of 2025! So, I'm hesitant. I'm cautious, for good reasons, but interested to see where the price goes from here. I'm interested to see if $40 is a bottom or just another level which breaks and the price moves lower.