u/SpareSniper7

Reddit r/ValueInvesting
· tracked since May 2026
Calls 1 1 Posts tracked · 0.1/day
Calls
7d 0
30d 1
90d 1
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Worst Calls
PYPL long -3.6%
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PYPL ×1
Recent Calls
PYPL long 1 week ago
Win Rate 0% Long 1 Short 0
Win Rate
7d 100%
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90d —
Average Return -3.6% Long Return -3.6% Short Return -
Average Return
7d +0.8%
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PYPL PayPal H... PayPal Holdings, Inc.
Long
May 26
$44.18
-3.6%
PayPal generates $6.4B in annual OCF, returns $6B via buybacks, and trades at $45 (46% discount to FY2026 intrinsic value). The market prices only the legacy wallet decline, ignoring Venmo ($1.7B rev, 20% growth), advertising platform, BNPL (better unit economics than Affirm), PYUSD, and Google partnership — all with upside not in models. Core business provides downside protection; growth drivers offer asymmetric upside, targeting 22% 5-year CAGR. Continued share loss to Apple Pay/Shop Pay, failure to monetize Venmo users (33M unconverted), regulatory clampdown on BNPL, or macro slowdown hurting transaction volumes.
PayPal generates $6.4B in annual OCF, returns $6B via buybacks, and trades at $45 (46% discount to FY2026 intrinsic value). The market prices only the legacy wallet decline, ignoring Venmo ($1.7B rev, 20% growth), advertising platform, BNPL (better unit economics than Affirm), PYUSD, and Google partnership — all with upside not in models. Core business provides downside protection; growth drivers offer asymmetric upside, targeting 22% 5-year CAGR. Continued share loss to Apple Pay/Shop Pay, failure to monetize Venmo users (33M unconverted), regulatory clampdown on BNPL, or macro slowdown hurting transaction volumes.
Fintech
REDDIT
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