PayPal's cost cuts and reserve releases prop up short-term numbers, while investing for growth wastes time. Its slow bleed gives delusional bulls hope, making it the ultimate value trap; it should not be a public company. x.com 

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 

PayPal's raised earnings and free-cash-flow guidance supports rejecting Stripe and Advent's $60.50-per-share offer. The shares now trade around $57, below the rejected bid, but that does not make the rejection a mistake. x.com 

PayPal is better off sold, because management has been unable to use the company's data while Stripe and Advent can. Even at Stripe's $60.50 acquisition price, most PayPal investors will still be in the red; only those all in at the bottom would make about 50%, while most AI names have risen much more. Selling losers is the better path. x.com  x.com  x.com 

PayPal has proven a bad investment, and capital is better used in TransMedics and PROCEPT BioRobotics, whose valuations make no sense given how well their businesses are performing. Valuation models give PayPal about 40% upside versus over 100% for the other two, and no catalysts are in sight to take PayPal to $80. x.com  x.com  x.com 

PayPal is worth much more than Stripe's reported $53 billion takeover offer, and its board reportedly rejected the bid as inadequate. PayPal makes over $5 billion a year and is growing, buys back about 7% of its shares annually, and traded at just 9x earnings before the news and 11x the offer. $75 a share should be the bare minimum, and a bidding war may follow. x.com 

PayPal is worth shorting here because management will screw this up as it has every time, sending the stock back to the low $40s. 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's selloff makes it even more attractive to a strategic buyer. The stock trades at about $5 per share of 2026 EPS guidance, yet is being dumped because the long restructuring timeline leaves "no urgent reason to buy it." x.com 

PayPal's problem is deeply rooted poor management and a complete lack of ambition; it could have made a dozen moves over the years to expand and grow. Stripe appears to be the only buyer willing to take it on. x.com  x.com