PayPal's near-flat growth and rising checkout competition leave it a Grade C, prove-it story. Q3 FY26 revenue rose just 2%; operating income fell 8% as restructuring charges rose from $69 million to $255 million, and net income fell 14%. The business still earns over $1 billion a quarter, but it is treading water. x.com 

Visa's roughly 30x earnings multiple and $750 billion valuation leave less upside than other opportunities, even if it keeps executing; the best case may be another doubling over a few years. Its once-impenetrable moat may look different in five years, while its reputation as a safe compounder is already priced in. This is a relative judgment, not a prediction that Visa cannot keep rising. x.com  x.com  x.com  x.com  x.com 

PayPay, Japan's financial super-app, has a huge market to capture as Japan's many cash transactions move to cashless. Rising interest rates and yen appreciation could be additional tailwinds. The stock recently broke out from a pivot on high volume and is retesting its 8-day EMA, with the 21-day EMA catching up; it is worth accumulating above the pivot and 21-day EMA, and reassessing otherwise. x.com 

PayPal faces structural disintermediation as agentic commerce and ecosystem wallets like Apple Pay and Google Pay erode its role as a checkout intermediary. Branded checkout grew just 1.0% in Q4 2025, a sign it is losing the buy button, despite over $6B of annual free cash flow. CEO Enrique Lores is pivoting to agentic infrastructure with ChatGPT, but with a $9B refinancing looming, PayPal looks a value trap until AI-first growth outpaces Apple and Google. x.com 

PayPal's growth has stalled and it faces too much fintech competition. That view could change if the company adapts, pivots and proves otherwise. x.com 

PayPal is still growing, but the quality of its growth keeps worsening, which justifies a compressed multiple. Revenue rose 7% and TPV 11%, yet transaction margin dollars grew only 3%, operating income fell and GAAP EPS dropped 6% as operating margin shrank about 200 basis points. That points to Stripe, Adyen, Apple and Google eroding pricing power. Engagement is flattening, and guidance for falling near-term EPS signals a trend. At 10x earnings it is a fair business, not a great one. x.com  … Show more

Payoneer is worth far more than Nuvei's roughly $2.75 billion, $7.40-a-share cash buyout, and agreeing to the deal shows management does not understand the stock market. Dave traded at $6 for over a year in 2023 and now trades at $300. Payoneer is too small to face regulatory problems; the real issue is the low price. x.com  x.com 

PayPal's latest news is screaming bullish, and the stock trades at just 8x forward earnings and 1x sales. The catch is price: fundamentals and technicals both need to align for a true recovery, and the market currently prefers paying 156x forward earnings for Marvell. x.com 

PayPal deserves to be a $10 stock: its once-simple send-and-request app is now filled with promotions and ads on the home, accounts, activity and offers pages, making it nearly impossible to find the balance or send and accept money. x.com 

Reddit is a financial machine whose valuation only makes sense to bears if growth stalls completely. At about 10x sales it looks rich for an ads business, but it is growing 66% now and about 30% at the midpoint next year, putting it near 7x next year's sales. x.com  x.com