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# ![@weary_centurion Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::370685933.png) @weary_centurion Weary Centurion

Weary Centurion posts on X about $pypl, debt, $root, $fi the most. They currently have XXXXX followers and XXX posts still getting attention that total XXXXXX engagements in the last XX hours.

### Engagements: XXXXXX [#](/creator/twitter::370685933/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::370685933/c:line/m:interactions.svg)

- X Week XXXXXXX -XX%
- X Month XXXXXXXXX +240%
- X Months XXXXXXXXX +497%
- X Year XXXXXXXXX +3,247%

### Mentions: XX [#](/creator/twitter::370685933/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::370685933/c:line/m:posts_active.svg)

- X Week XXX -XXXX%
- X Month XXX +101%
- X Months XXXXX +415%
- X Year XXXXX +804%

### Followers: XXXXX [#](/creator/twitter::370685933/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::370685933/c:line/m:followers.svg)

- X Week XXXXX +1.30%
- X Month XXXXX +24%
- X Months XXXXX +460%
- X Year XXXXX +2,659%

### CreatorRank: XXXXXXX [#](/creator/twitter::370685933/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::370685933/c:line/m:influencer_rank.svg)

### Social Influence [#](/creator/twitter::370685933/influence)
---

**Social category influence**
[stocks](/list/stocks)  #3899 [technology brands](/list/technology-brands)  XXXXX% [finance](/list/finance)  #4548 [cryptocurrencies](/list/cryptocurrencies)  XXXX% [countries](/list/countries)  XXXX% [social networks](/list/social-networks)  XXXX%

**Social topic influence**
[$pypl](/topic/$pypl) #78, [debt](/topic/debt) #127, [$root](/topic/$root) #56, [$fi](/topic/$fi) #1, [money](/topic/money) 2.28%, [$unh](/topic/$unh) #345, [investment](/topic/investment) 1.83%, [has been](/topic/has-been) 1.37%, [sentiment](/topic/sentiment) 1.37%, [long term](/topic/long-term) XXXX%

**Top accounts mentioned or mentioned by**
[@spike_1567](/creator/undefined) [@mattscottcap](/creator/undefined) [@solesurvivore](/creator/undefined) [@qualityinvest5](/creator/undefined) [@krossroads](/creator/undefined) [@dividenddynasty](/creator/undefined) [@wearycenturion](/creator/undefined) [@wealthyreadings](/creator/undefined) [@acce](/creator/undefined) [@creativecap89](/creator/undefined) [@griffithbrand](/creator/undefined) [@kabraxfx](/creator/undefined) [@contrarcap](/creator/undefined) [@qualitygrowthfv](/creator/undefined) [@toronto242m](/creator/undefined) [@longoption](/creator/undefined) [@tinytitanscap](/creator/undefined) [@kaizeninvestor](/creator/undefined) [@retiredlifenc](/creator/undefined) [@valueplays412](/creator/undefined)

**Top assets mentioned**
[PayPal Holdings Inc (PYPL)](/topic/$pypl) [The Root Network (ROOT)](/topic/$root) [Fiserv, Inc. (FI)](/topic/$fi) [UnitedHealth Group (UNH)](/topic/$unh) [DLocal Limited Class A Common Shares (DLO)](/topic/$dlo) [Autozone Inc (AZO)](/topic/autozone) [IonQ, Inc. (IONQ)](/topic/$ionq) [Rigetti Computing, Inc. Common Stock (RGTI)](/topic/$rgti) [Quantum Computing Inc. Common (QUBT)](/topic/$qubt) [SPDR S&P XXX ETF Trust (SPY)](/topic/$spy) [Hims & Hers Health, Inc. (HIMS)](/topic/$hims) [Alphabet Inc Class A (GOOGL)](/topic/$googl) [4 (FOUR)](/topic/$four) [Goldman Sachs (GS)](/topic/goldman-sachs) [Microsoft Corp. (MSFT)](/topic/$msft) [D-Wave Quantum Inc. (QBTS)](/topic/$qbts) [Dillards Inc. (DDS)](/topic/$dds) [Intuit Inc. (INTU)](/topic/$intu) [Apple, Inc. (AAPL)](/topic/$aapl) [Open Custody Protocol (OPEN)](/topic/$open) [Plug Power, Inc. (PLUG)](/topic/$plug) [MemeCoin (MEME)](/topic/$meme) [Applied Blockchain, Inc. Common Stock (APLD)](/topic/$apld) [QuantumScape Corporation (QS)](/topic/$qs) [Bloom Energy Corporation (BE)](/topic/$be)
### Top Social Posts [#](/creator/twitter::370685933/posts)
---
Top posts by engagements in the last XX hours

"4. Risks There are risks when it comes to investing in PayPal like any other company; Intense competition The fintech space is high competitive. PayPal is constantly battling for market share with the likes of Stripe and Adyen both very formidable opponents. They also compete with the likes of Apple Pay and Google pay two very popular payment methods globally. If PayPal start to lose significant market share to competition then it goes without saying that their future growth is put at risk and a death by 1000 cuts scenario would likely follow. Regulatory and legal risks As a global payments"  
[X Link](https://x.com/weary_centurion/status/1973668035723428045) [@weary_centurion](/creator/x/weary_centurion) 2025-10-02T08:35Z 7671 followers, 2745 engagements


"$PYPL Heres PayPals economic MOAT in one picture Now they have an elite management team in control they can begin to leverage their massive data trove to properly monetise their user base This is just the beginning"  
[X Link](https://x.com/weary_centurion/status/1976415455909904634) [@weary_centurion](/creator/x/weary_centurion) 2025-10-09T22:32Z 7666 followers, 12.5K engagements


"$PYPL Imagine being able to send money anywhere in the world with just a phone number With PayPals trusted brand fraud protection and peace of mind PayPal World is a game changer Most havent caught on yet But they will"  
[X Link](https://x.com/weary_centurion/status/1976515734038528470) [@weary_centurion](/creator/x/weary_centurion) 2025-10-10T05:10Z 7662 followers, 9122 engagements


"$PYPL If PayPal goes back below $XX $UNH will get getting sold and il be making $PYPL XX% of my portfolio Watching closely Not financial advice"  
[X Link](https://x.com/weary_centurion/status/1976654376061255725) [@weary_centurion](/creator/x/weary_centurion) 2025-10-10T14:21Z 7663 followers, 20.4K engagements


"$PYPL It is HILARIOUS how many people dont realise that PayPal own Venmo"  
[X Link](https://x.com/weary_centurion/status/1976730406419677422) [@weary_centurion](/creator/x/weary_centurion) 2025-10-10T19:23Z 7662 followers, 3761 engagements


"$PYPL 🚨Long Post Alert🚨 I have never seen more of a detachment from fundamentals The moves this company has been making since Q2 have been insane But the stock still rises slowly and drops faster than most This is as a result of negative sentiment and market irrationality I am sitting with XX% cash after selling $UNH and I am waiting If there is a further market sell off PayPal is likely to continue getting punished You may think that this bothering me in some way I assure you that it is the complete opposite I am salivating at the possibility of PayPal falling below my average price of $67"  
[X Link](https://x.com/weary_centurion/status/1977287379867025907) [@weary_centurion](/creator/x/weary_centurion) 2025-10-12T08:17Z 7664 followers, 22.6K engagements


"$PYPL I was hoping for a well constructed bear thesis What I got was an emotional rant from someone who lost money on PayPal Heres what he said at the end; I truly hate the stock the business and everything in between Say no more Is that the best you can do 🤣"  
[X Link](https://x.com/weary_centurion/status/1977343772875772142) [@weary_centurion](/creator/x/weary_centurion) 2025-10-12T12:01Z 7663 followers, 16.4K engagements


"$PYPL Quite possibly the stupidest comment I have ever seen on here And thats a big shout considering how strong competition is on that front"  
[X Link](https://x.com/weary_centurion/status/1977345281680199972) [@weary_centurion](/creator/x/weary_centurion) 2025-10-12T12:07Z 7662 followers, 3259 engagements


"$PYPL Ladies and Gentlemen I present to you The bear case for PayPal"  
[X Link](https://x.com/weary_centurion/status/1977454562987434271) [@weary_centurion](/creator/x/weary_centurion) 2025-10-12T19:21Z 7663 followers, 4872 engagements


"$PYPL Goldman Sachs downgrades PayPal XX days before earnings Rationale simplified: They dont believe PayPals own conservative guidance Moronic But I am hoping for a drop here so if that happens thanks Goldman 👍🏻"  
[X Link](https://x.com/weary_centurion/status/1977700126329012332) [@weary_centurion](/creator/x/weary_centurion) 2025-10-13T11:37Z 7663 followers, 6223 engagements


"$PYPL I have started buying again Not financial advice Do your own due diligence and remember a considerable amount of conviction is required for this size of allocation This strategy will not be good for most people"  
[X Link](https://x.com/weary_centurion/status/1977750693340438722) [@weary_centurion](/creator/x/weary_centurion) 2025-10-13T14:58Z 7664 followers, 5354 engagements


"$PYPL Honestly I think this is the wrong way to look at it Fundamentals have been strengthening rapidly since @acce took over Eventually the market will catch up Dont really care how long it takes or what the stock does in the meantime as buybacks are returning future value constantly Benjamin Graham said it best; In the short run the market is a voting machine but in the long run it is a weighing machine" PayPal gets heavier every quarter Eventually the market will put it on the scales and realise how stupid its been"  
[X Link](https://x.com/weary_centurion/status/1977993847822012823) [@weary_centurion](/creator/x/weary_centurion) 2025-10-14T07:04Z 7663 followers, 8685 engagements


"$PYPL I just want to point out a few things I am not like most people I am not a sheep I find my own way I am not an emotional person I am a numbers person I do not care about optics or how I might look if I get something wrong I care about execution I care about fundamentals I care about positioning in a way which I feel will benefit me the most for the long term I am playing chess not checkers Im making moves with 5-10 years in mind not 5-10 weeks I will never use leverage I will never use margin I will never short But I may allocate my whole portfolio to one stock if I feel like it is the"  
[X Link](https://x.com/weary_centurion/status/1978179465298801124) [@weary_centurion](/creator/x/weary_centurion) 2025-10-14T19:21Z 7663 followers, 8474 engagements


"$DLO Yeah funny how that happens When it happens with $PYPL remember this period when hate was strong In a year or so it will likely all be forgotten"  
[X Link](https://x.com/weary_centurion/status/1978209843652514183) [@weary_centurion](/creator/x/weary_centurion) 2025-10-14T21:22Z 7662 followers, 6240 engagements


"@The3rdReginald Yeahthen I changed my mindit happens sometimes I always retain the right to change my mind I want as many shares of $PYPL below $XX as possible I still like $ROOT I just like $PYPL much better and would rather concentrate funds there"  
[X Link](https://x.com/weary_centurion/status/1978214144282148865) [@weary_centurion](/creator/x/weary_centurion) 2025-10-14T21:39Z 7664 followers, XXX engagements


"$PYPL Awesome chart shared by George Market share has not been eroded it has in fact inflected Look at the facts people Stop focussing on the stock price I am enjoying the hate though il be honest My inverse sentiment indicator is off the charts right now"  
[X Link](https://x.com/weary_centurion/status/1978538966035927466) [@weary_centurion](/creator/x/weary_centurion) 2025-10-15T19:10Z 7662 followers, 4911 engagements


"$PYPL The market has no idea whats coming Further expansion into the Middle East"  
[X Link](https://x.com/weary_centurion/status/1978713824829075875) [@weary_centurion](/creator/x/weary_centurion) 2025-10-16T06:45Z 7662 followers, 9993 engagements


"$PYPL I have no idea either"  
[X Link](https://x.com/weary_centurion/status/1978877644163944501) [@weary_centurion](/creator/x/weary_centurion) 2025-10-16T17:36Z 7662 followers, 6266 engagements


"$PYPL I obviously bought more today I sleep easy at night knowing XX% of shares are being bought back each year at these prices The more it drops the less shares there will be I will continue to DCA as I get more cash whilst it remains below $XX Not financial advice"  
[X Link](https://x.com/weary_centurion/status/1978879240087982571) [@weary_centurion](/creator/x/weary_centurion) 2025-10-16T17:42Z 7662 followers, 15.2K engagements


"$PYPL The PayPal should offer a dividend argument is very silly at this valuation There is no better form of capital allocation right now than buybacks It is because they have resisted this narrative that I have faith in management to make the correct decisions for long term investors Not to appease a disgruntled contingent of shareholders who are impatient A dividend will come when the time is right when we are above fair value and in a position of strength Stop thinking with emotions instead of logic"  
[X Link](https://x.com/weary_centurion/status/1979076417871642882) [@weary_centurion](/creator/x/weary_centurion) 2025-10-17T06:46Z 7662 followers, 9420 engagements


"I genuinely appreciate your concern Everyone is an individual with different thought processes risk tolerances and goals If you had asked me a few months ago if I would have gone all in on $PYPL I would have laughed But things change my mind changes and I adapt my decision making accordingly If I feel at some point that the thesis is at risk or that the risk vs reward is no longer favourable I will take some off the table But at this valuation with the fundamentals and future tailwinds I feel more confident with all my money in this stock then I would feel with it sat in the S&P XXX I have"  
[X Link](https://x.com/weary_centurion/status/1979462886322745792) [@weary_centurion](/creator/x/weary_centurion) 2025-10-18T08:21Z 7662 followers, XXX engagements


"@TaylerMMA What makes you so sure Q3 earnings is in less than X weeks"  
[X Link](https://x.com/weary_centurion/status/1979473472402215168) [@weary_centurion](/creator/x/weary_centurion) 2025-10-18T09:03Z 7663 followers, XX engagements


"$PYPL Few people understand yet But they will"  
[X Link](https://x.com/weary_centurion/status/1979633027904114865) [@weary_centurion](/creator/x/weary_centurion) 2025-10-18T19:37Z 7662 followers, 8157 engagements


"$PYPL Some major differences here In 2001 $MSFT was trading at a premium despite a XX% haircut at a market cap of around $150B It had over X billion shares outstanding XX% reduction in shares is still over X billion shares and over a period of XX years is not significant at all $PYPL has 950M shares and is buying back 5-10% of shares PER YEAR In less than XX years they will have bought back all shares and taken the company private The likelihood of this happening is close to X% As a worst case scenario I will take that every day of the week vs total loss of capital in most cases In X years if"  
[X Link](https://x.com/weary_centurion/status/1979842550916632640) [@weary_centurion](/creator/x/weary_centurion) 2025-10-19T09:30Z 7664 followers, 4199 engagements


"@DeepValueBagger Since I am probably the one who posts about $PYPL the most I assume you refer to me in this childish post which says a lot about your mentality as (supposedly) an adult human being"  
[X Link](https://x.com/weary_centurion/status/1979884246354497848) [@weary_centurion](/creator/x/weary_centurion) 2025-10-19T12:16Z 7663 followers, 1530 engagements


"$PYPL I stand corrected"  
[X Link](https://x.com/weary_centurion/status/1979906794169290933) [@weary_centurion](/creator/x/weary_centurion) 2025-10-19T13:45Z 7664 followers, 3112 engagements


"Not absurd at all $PYPL is producing 10%+ of its market cap per year in FCF and burning its share count through buybacks (like $UNH) Its a sector leader (like $UNH) Has had problems with previous management making terrible decisions (like $UNH) Has a viable route to a successful turnaround (like $UNH) The only difference between the two is the timescale it has taken for the turnaround to materialise and they operate in different sectors But there are a lot of similarities I bought $UNH at $XXX it did not take long for the narrative to change I predict a similar recovery trajectory for $PYPL"  
[X Link](https://x.com/weary_centurion/status/1979977482725105944) [@weary_centurion](/creator/x/weary_centurion) 2025-10-19T18:26Z 7664 followers, XXX engagements


"@mattscottcap @Kaizen_Investor You missed the fact they are in different sectors Matt Come back with a comparable Fintech then we can talk"  
[X Link](https://x.com/weary_centurion/status/1980252826031833517) [@weary_centurion](/creator/x/weary_centurion) 2025-10-20T12:40Z 7663 followers, XX engagements


"3. How does PayPal make money PayPal generates revenue primarily through two main streams within its single reportable business segment leveraging its three key business units. X. Transaction revenue (90%) PayPal earns fees from processing payments across its platform including PayPal Branded Checkout Venmo and Braintree. These fees are typically a percentage of the transaction amount plus a fixed fee varying by market and payment type. This is driven primarily by Total Payment Volume (TVP) and is one of the most important key performance indicators in fintech. X. Other value added services"  
[X Link](https://x.com/weary_centurion/status/1973668026554724772) [@weary_centurion](/creator/x/weary_centurion) 2025-10-02T08:35Z 7671 followers, 2769 engagements


"$PYPL $UPWK Nothing against UpWork or Matt But heres my response to Matts post; $UPWK has more risks; 🔴Debt to equity ratio of XX% 🔴$358.8M debt 🔴Only $634M cash 🔴Threats from AI to 🔴Margin pressure from $FVRR 🔴Earnings forecast to decline 🔴Buybacks not the best use of capital allocation with their debt burden and lack of cash pile $PYPL has less risks; 🟢Established and strengthening MOAT 🟢Growth is forecasted to re-accelerate 🟢FCF $6-7B and increasing 🟢NET income increasing since 2023 🟢Margins increasing since 2023 🟢Fortress balance sheet ($13.7B cash) 🟢Rev. growth"  
[X Link](https://x.com/weary_centurion/status/1980172586857156954) [@weary_centurion](/creator/x/weary_centurion) 2025-10-20T07:21Z 7671 followers, 5902 engagements


"$PYPL PayPal have bought back around XX% of outstanding shares since the ATH OS of XXXX billion It will take them around XX years to buy back all OS below $XX less if they use their $13.7B cash pile It will take X years to remove XX% of remaining OS Maths is underrated"  
[X Link](https://x.com/weary_centurion/status/1980196495128437003) [@weary_centurion](/creator/x/weary_centurion) 2025-10-20T08:56Z 7671 followers, 15.9K engagements


"@QualityInvest5 Much better to have a fortress balance sheet and use existing FCF for buybacks like $PYPL are doing Than to take on loads of debt to do buybacks causing a debt to equity ratio of XXX% Each to their own"  
[X Link](https://x.com/weary_centurion/status/1980894318870294910) [@weary_centurion](/creator/x/weary_centurion) 2025-10-22T07:09Z 7671 followers, XXX engagements


"$PYPL Another price downgrade X days before earnings No public rationale provided as far as I can see Stock price doesnt seem to care"  
[X Link](https://x.com/weary_centurion/status/1980682832361164998) [@weary_centurion](/creator/x/weary_centurion) 2025-10-21T17:09Z 7671 followers, 5259 engagements


"$PYPL $FI Much better to have a fortress balance sheet and use existing FCF for buybacks like $PYPL are doing Than to take on loads of debt to do buybacks causing a debt to equity ratio of XXX% Each to their own Of note market caps are similar How much more debt will $FI take out To buyback over 500M shares priced at $XXX a share Unpopular view but one of these companies could find themselves in hot water financially in the wrong environment Il give you a clue its not PayPal Investing is primarily a game of risk management for those who make it long term The risk to reward looks way more"  
[X Link](https://x.com/weary_centurion/status/1980895719574704212) [@weary_centurion](/creator/x/weary_centurion) 2025-10-22T07:15Z 7671 followers, 4144 engagements


"$FI Red Flag 🚩 Another overlooked problem with Fiserv Weight Average Cost of Capital (WACC) is a good way of assessing how a company is managing their finances Their ROIC is ticking up but WACC continues to go down presumably due to debt load This could become a real problem Fiservs ROIC of XXXX% is below its WACC of XXXX% This creates a negative spread of XXXX% This is a red flag because it indicates inefficient capital allocation New projects or growth initiatives could be destroying value rather than building it For context healthy companies maintain ROIC well above WACC (ideally 25%+"  
[X Link](https://x.com/weary_centurion/status/1980915579939647864) [@weary_centurion](/creator/x/weary_centurion) 2025-10-22T08:34Z 7671 followers, 15.5K engagements


"$PYPL $AZO Autozone Annual FCF: $2.1B Cash & investments: $1.3B Debt: $8.9B Gross margin: XX% EPS slowing Bought back XX% of shares since 1998 Used debt for buybacks and trashed their balance sheet Share price was around $XX in 1998 Its now $4103 Despite mediocre fundamentals still a crazy return of over well over 100x PayPal Annual FCF: $6-7B Cash & investments: $15B Debt: $11.4B ($8.7B long term) Gross margin: XX% EPS growing 15%+ Bought back XX% of shares since 2020 All buybacks are funded from FCF Balance sheet is solid It will take $PYPL less than XX years to buy back all outstanding"  
[X Link](https://x.com/weary_centurion/status/1970576350801965080) [@weary_centurion](/creator/x/weary_centurion) 2025-09-23T19:49Z 7664 followers, 3747 engagements


"Position sizing for investors with smaller capital Experience and learning has taught me the value of conviction and position sizing. Choosing to have only 1-5 stocks in your portfolio is not for everyone. In fact its not for most people. But there are also benefits to this strategy for those brave and dedicated enough to adopt it. First of all you should meet the following conditions before you attempt to adopt this; 🟢Competent in fundamental analysis 🟢Fully in control of emotions 🟢Sufficient dedication (earnings calls etc) If you do not meet the above criteria then I would suggest this"  
[X Link](https://x.com/weary_centurion/status/1976665504493281525) [@weary_centurion](/creator/x/weary_centurion) 2025-10-10T15:05Z 7663 followers, 2462 engagements


"Me opening X this evening and seeing the drama unfolding 🤣"  
[X Link](https://x.com/weary_centurion/status/1976731001909879056) [@weary_centurion](/creator/x/weary_centurion) 2025-10-10T19:26Z 7665 followers, 1548 engagements


"$PYPL $DLO Looking forward to next week Could be some real bargains on offer If you are losing your mind right now You are likely unwisely positioned Take action and learn"  
[X Link](https://x.com/weary_centurion/status/1976765315632820274) [@weary_centurion](/creator/x/weary_centurion) 2025-10-10T21:42Z 7664 followers, 2769 engagements


"Fun fact I dont earn any money from X"  
[X Link](https://x.com/weary_centurion/status/1977102591881572642) [@weary_centurion](/creator/x/weary_centurion) 2025-10-11T20:02Z 7665 followers, 2261 engagements


"@HyperTechInvest Ok Daniel I will bite as this at least is somewhat structured (although misinformed and biased) I am surprised you havent done more research as you are a knowledge guy Stay tuned for my response"  
[X Link](https://x.com/weary_centurion/status/1977630691409137839) [@weary_centurion](/creator/x/weary_centurion) 2025-10-13T07:01Z 7665 followers, 4502 engagements


"$PYPL Bear Case Rebuttal 🧵 You won't want to miss this one I have nothing against Daniel he does good work. But I respectfully disagree with his bear thesis quoted below. I will address his points in thread format and in order as per the post;"  
[X Link](https://x.com/weary_centurion/status/1977698474863780225) [@weary_centurion](/creator/x/weary_centurion) 2025-10-13T11:30Z 7663 followers, 50.3K engagements


"1. Stripe is destroying PayPal as a payment processor for businesses Now whilst I accept Stripe is a formidable opponent on the business side of payment processing its negative effects on PayPal are overrated. Entrenched Strength PayPal is a renowned and trusted brand. It holds a commanding lead over Stripe in key metrics that matter the most in payment processing; 🟢Market share (45% vs Stripe 17%) 🟢User base (30M+ merchants vs Stripe 1.4M) 🟢Accessibility (PayPal excels in low barrier entry) Market share holding steady There has been no accelerated erosion of PayPal's market share. If"  
[X Link](https://x.com/weary_centurion/status/1977698478458343441) [@weary_centurion](/creator/x/weary_centurion) 2025-10-13T11:30Z 7664 followers, 4797 engagements


"3. Venmo. Young people prefer Cash App Crypto wallets are getting more popular and who needs Venmo when you can just use a standard bank account with Zelle. Cash app and Zelle are strong competitors to Venmo but its incorrect to say young people prefer Cash App. There is no evidence of that. Venmo teen use is growing XXX% YoY in 2025. Venmo is growing its penetration amongst 18-29 year olds by XX% compared to Cash App's 20%. Venmo is becoming a social payment hub and has a lot to offer. Better still Venmo is close to being fully integrated into the PayPal ecosystem making it possible to send"  
[X Link](https://x.com/weary_centurion/status/1977698483541848072) [@weary_centurion](/creator/x/weary_centurion) 2025-10-13T11:30Z 7664 followers, 2000 engagements


"4. Revenue is flat When you adjust for M2 expansion which means no real growth and losing market share This is lazy analysis Daniel. I will not be spending much of my time on this one because I am sick of repeating myself. Revenue growth was intentionally slowed so that poor quality loss making volume could be offloaded and replaced with high quality profitable volume. Those effects are now wearing off and revenue growth will re-accelerate going forwrd. This has zero impact on market share and to suggest so is wrong"  
[X Link](https://x.com/weary_centurion/status/1977698485798326394) [@weary_centurion](/creator/x/weary_centurion) 2025-10-13T11:30Z 7664 followers, 1762 engagements


"Conclusion I believe I have negated every point here Although flawed at least Daniel's bear case was well laid out and raised some valid points Absolutely no hate this response was written in jest and I hope it comes across that way I am biased for the other side as a PayPal investor and I accept this may narrow my field of view I have tried to be as objective as possible here I hope it is a worthwhile read As always not financial advice do your own due diligence before making any investment decisions"  
[X Link](https://x.com/weary_centurion/status/1977698496648999081) [@weary_centurion](/creator/x/weary_centurion) 2025-10-13T11:30Z 7665 followers, 1755 engagements


"$PYPL Goldmans Sachs analyst responsible for todays downgrade 🤔"  
[X Link](https://x.com/weary_centurion/status/1977716135962284340) [@weary_centurion](/creator/x/weary_centurion) 2025-10-13T12:40Z 7664 followers, 36.2K engagements


"$PYPL Stripe will eat PayPals lunch Meanwhile"  
[X Link](https://x.com/weary_centurion/status/1977801525834732011) [@weary_centurion](/creator/x/weary_centurion) 2025-10-13T18:20Z 7667 followers, 11.8K engagements


"$PYPL The move from $XX down to $XX was necessary to flush out the short term traders The flow bros The stop loss legends The scalping surgeons The momentum masters All need to be out The stock needs to be unpopular once again Then and only then will we move"  
[X Link](https://x.com/weary_centurion/status/1977851954647736724) [@weary_centurion](/creator/x/weary_centurion) 2025-10-13T21:40Z 7664 followers, 10.6K engagements


"$PYPL My vision for PayPal in X years time Trading at $300+ Solid dividend growth compounder E-commerce behemoth Everyone uses PayPal Everyone loves PayPal Nobody remembers this period in time This is what Im investing for now Time horizon Chess not checkers NFA"  
[X Link](https://x.com/weary_centurion/status/1978217875207778537) [@weary_centurion](/creator/x/weary_centurion) 2025-10-14T21:54Z 7664 followers, 11.9K engagements


"If your portfolio held up well during soy bean sell off Congratulations You did something right"  
[X Link](https://x.com/weary_centurion/status/1978219855036715151) [@weary_centurion](/creator/x/weary_centurion) 2025-10-14T22:02Z 7665 followers, 2311 engagements


"@Kross_Roads @FlexInvest7 But Roy Nobody uses PayPal anymore"  
[X Link](https://x.com/weary_centurion/status/1978551243191493018) [@weary_centurion](/creator/x/weary_centurion) 2025-10-15T19:59Z 7664 followers, 1604 engagements


"Everyone waking up this morning and checking their portfolio"  
[X Link](https://x.com/weary_centurion/status/1979085090467598674) [@weary_centurion](/creator/x/weary_centurion) 2025-10-17T07:20Z 7664 followers, 1570 engagements


"$RGTI $IONQ $QBTS Guys Valuation might matter again soon"  
[X Link](https://x.com/weary_centurion/status/1979086359785508906) [@weary_centurion](/creator/x/weary_centurion) 2025-10-17T07:25Z 7664 followers, 2860 engagements


"$PYPL GenZ has responded to Daniel very well I would add that management guidance and culture is very conservative The way to consistent outperformance has been paved for the next few years There are always risks with any investment all you can do is try and find the best risk vs reward that you can For me personally $PYPL is the perfect blend of mitigated downside risk because of buybacks and consistent FCF generation But also significant upside and growth potential Lets not forget they have recently increased their TAM from 400M people to 2B people due to PayPal world and moving into"  
[X Link](https://x.com/weary_centurion/status/1979100169070133402) [@weary_centurion](/creator/x/weary_centurion) 2025-10-17T08:20Z 7665 followers, 7801 engagements


"$PYPL Crazy times we are living in I love it though Thanks Mr Market"  
[X Link](https://x.com/weary_centurion/status/1979164838715650263) [@weary_centurion](/creator/x/weary_centurion) 2025-10-17T12:37Z 7665 followers, 3966 engagements


"$PYPL Still waiting for an objective bear case that is not one of the following; - Bro look at the X year chart - Nobody uses PayPal anymore - Stripe will eat their lunch - Margins - Cant even get above $XX - No MOAT - Its done nothing in a bull market - Opportunity cost"  
[X Link](https://x.com/weary_centurion/status/1979249490931388495) [@weary_centurion](/creator/x/weary_centurion) 2025-10-17T18:13Z 7663 followers, 8665 engagements


"@Spike_1567 In total returns long term probably But the risks are a lot higher Its the risk vs reward on $PYPL I find the most compelling If you have a relatively high chance of a low risk 5-10x in 5-10 years I will take that bet every time against a medium to high risk 100x"  
[X Link](https://x.com/weary_centurion/status/1979254003276894340) [@weary_centurion](/creator/x/weary_centurion) 2025-10-17T18:31Z 7663 followers, XXX engagements


"$PYPL The XXXX% is a stock from ages ago which is down 90+% I am waiting for it to either go to zero or get acquired When it does and I get a final result il share the story with you But for all intensive purposes PayPal is now my only position I still have XX% cash"  
[X Link](https://x.com/weary_centurion/status/1979259610784567780) [@weary_centurion](/creator/x/weary_centurion) 2025-10-17T18:53Z 7663 followers, 19K engagements


"***X Premium rant*** X premium for some reason have removed the ability to edit text with Bold and Italics on phones now making it possible to do so only on desktops Whist this may not seem like a massive issue for someone like me who has young kids and makes posts on my phone in between parent and work duties when I have time it is highly disruptive Having to fire up my laptop just to make a post which is more legible and easier to read is beyond inconvenient and has already started to deter me from posting some things which require more structure I was also thoroughly annoyed by my highly"  
[X Link](https://x.com/weary_centurion/status/1979518782239297702) [@weary_centurion](/creator/x/weary_centurion) 2025-10-18T12:03Z 7666 followers, 1429 engagements


"$PYPL I will beat him to it and name myself Remember posts like this They will age very badly"  
[X Link](https://x.com/weary_centurion/status/1979884495403930061) [@weary_centurion](/creator/x/weary_centurion) 2025-10-19T12:17Z 7664 followers, 4307 engagements


"@RuebenJay Short term mindset guarantees long term underperformance 👍🏻"  
[X Link](https://x.com/weary_centurion/status/1980166517103681789) [@weary_centurion](/creator/x/weary_centurion) 2025-10-20T06:57Z 7666 followers, XX engagements


"@DividendDynasty Exactly 🤣"  
[X Link](https://x.com/weary_centurion/status/1980241290131320946) [@weary_centurion](/creator/x/weary_centurion) 2025-10-20T11:54Z 7664 followers, XXX engagements


"@mattscottcap @Kaizen_Investor They are in completely different sectors and are completely different companies Matt Its a poor comparison to be fair"  
[X Link](https://x.com/weary_centurion/status/1980249840475861078) [@weary_centurion](/creator/x/weary_centurion) 2025-10-20T12:28Z 7665 followers, XX engagements


"@mattscottcap @Kaizen_Investor Becausethey have different business structure they have different risks they have different competition they have different methods of making money different MOAT potential different financial profiles different economies of scale"  
[X Link](https://x.com/weary_centurion/status/1980256918984647129) [@weary_centurion](/creator/x/weary_centurion) 2025-10-20T12:56Z 7666 followers, XX engagements


"@mattscottcap @Kaizen_Investor Whats to stop other competitors entering the field Whats the barrier to entry"  
[X Link](https://x.com/weary_centurion/status/1980261349780299951) [@weary_centurion](/creator/x/weary_centurion) 2025-10-20T13:14Z 7666 followers, XX engagements


"@SoleSurvivore I dont want them taking on debt for buybacks it is financially irresponsible imo. Much prefer the way they are doing it from FCF"  
[X Link](https://x.com/weary_centurion/status/1980272741594075275) [@weary_centurion](/creator/x/weary_centurion) 2025-10-20T13:59Z 7668 followers, XXX engagements


"@WealthyReadings Different situation now than X years ago Share count now less than 950M FCF has stabilised and will grow so buybacks will accelerate as time goes on EPS compounds as share count grows smaller It will easily outperform $SPY on buybacks alone as long as FCF remains strong"  
[X Link](https://x.com/weary_centurion/status/1980299160126632168) [@weary_centurion](/creator/x/weary_centurion) 2025-10-20T15:44Z 7668 followers, XXX engagements


"@TinyTitansCap It depends on the share structure and buyback yield Simply go and check out the likes of $AZO which had poor fundamentals yet still delivered strong returns purely as a result of buybacks"  
[X Link](https://x.com/weary_centurion/status/1980329283966104034) [@weary_centurion](/creator/x/weary_centurion) 2025-10-20T17:44Z 7667 followers, XXX engagements


"@JuanRodrig07 You earned a follow from me Juan You put out great info on $PYPL 🤝🏻"  
[X Link](https://x.com/weary_centurion/status/1980534435842764945) [@weary_centurion](/creator/x/weary_centurion) 2025-10-21T07:19Z 7666 followers, XXX engagements


"@DividendDynasty Im expecting some surprises but we will see very excited"  
[X Link](https://x.com/weary_centurion/status/1980611992889999794) [@weary_centurion](/creator/x/weary_centurion) 2025-10-21T12:27Z 7668 followers, XXX engagements


"@Spike_1567 @errorcode0699 Yes 977M is diluted shares outstanding That includes the potential dilutive effect of SBC options and RSUs which could increase shares if exercised. 960M is the correct amount as per basic shares outstanding"  
[X Link](https://x.com/weary_centurion/status/1980675893237563500) [@weary_centurion](/creator/x/weary_centurion) 2025-10-21T16:41Z 7665 followers, XX engagements


"The Q2 2025 income statement uses XXX million as the weighted-average basic shares for the quarter. This is an average over the entire quarter (April 1June XX 2025) accounting for shares issued or repurchased during that time. Its used to calculate basic EPS (net income average shares) and is not the same as the end-of-quarter snapshot"  
[X Link](https://x.com/weary_centurion/status/1980680734680514695) [@weary_centurion](/creator/x/weary_centurion) 2025-10-21T17:01Z 7665 followers, XX engagements


"$PYPL If you dont think PayPal has the ability to 5-10x by 2030 Do yourself a favour go and look up Autozone The company is much poorer quality than $PYPL with a fraction of the FCF And yeah people really misunderstand the effects of aggressive buybacks long term NFA"  
[X Link](https://x.com/weary_centurion/status/1970201210213835126) [@weary_centurion](/creator/x/weary_centurion) 2025-09-22T18:59Z 7669 followers, 22.7K engagements


"$PYPL THESIS MEGA THREAD PART X 🧵 In part one I have focussed on addressing; - Business model - Risks - Bear cases - Path to growth re-acceleration Stay tuned for part two Enjoy"  
[X Link](https://x.com/weary_centurion/status/1973668000646807705) [@weary_centurion](/creator/x/weary_centurion) 2025-10-02T08:34Z 7670 followers, 55K engagements


"$PYPL REMEMBER Nobody uses PayPal anymore"  
[X Link](https://x.com/weary_centurion/status/1978551308270309560) [@weary_centurion](/creator/x/weary_centurion) 2025-10-15T19:59Z 7670 followers, 34.8K engagements


"$PYPL ***WHY ALL IN ON PAYPAL*** First off I hate the term all in Its almost a derogatory term to me associated with the likes of Wall Street Bets where gambling is the order of the day I have chosen to invest in the future of a company I know very well by purchasing common shares in its business Now you can say I am being irresponsible maybe I am but this is not a YOLO play with leverage or options This is a long term investment in a company I know extremely well Iv spent the last X years looking into every aspect of it imaginable I have scrutinised it endlessly looking for red flags warning"  
[X Link](https://x.com/weary_centurion/status/1979604881079169233) [@weary_centurion](/creator/x/weary_centurion) 2025-10-18T17:45Z 7671 followers, 39K engagements


"$PYPL If PayPal still had 1.223B shares outstanding Market cap would be $83.6B Current market cap: $64B At 900M: $61B At 800M: $54B At 700M: 47B At 600M: $40B At 500M: $34B 500M is around X years away at the current buyback yield Do you see it yet"  
[X Link](https://x.com/weary_centurion/status/1980233863982199211) [@weary_centurion](/creator/x/weary_centurion) 2025-10-20T11:25Z 7669 followers, 10.3K engagements


"@WealthyReadings You are correct I make a point of highlighting the buybacks because it shows that even if all of what you say did not materialise returns will still come eventually Meanwhile future returns are amplified with every share removed from circulation"  
[X Link](https://x.com/weary_centurion/status/1980294907509297156) [@weary_centurion](/creator/x/weary_centurion) 2025-10-20T15:27Z 7669 followers, XXX engagements


"@WealthyReadings @QualityGrowthFV $SPY returns on average X% a year (when accounting for inflation) That is the only benchmark that can be used You cant choose a XX year period to pick from There have been XX year periods where the $SPY has barely returned anything From 1999-2008 it returned -3.8%"  
[X Link](https://x.com/weary_centurion/status/1980317411854405927) [@weary_centurion](/creator/x/weary_centurion) 2025-10-20T16:57Z 7670 followers, XXX engagements


"@QualityInvest5 XXXX% as of June 2025"  
[X Link](https://x.com/weary_centurion/status/1980338839949570221) [@weary_centurion](/creator/x/weary_centurion) 2025-10-20T18:22Z 7671 followers, XXX engagements


"$PYPL Buybacks alone can create impressive returns $DDS Declining business metrics yet has been a 20x in X years as a result of buybacks destroying the share count The best thing is $PYPL has not only an aggressive buyback program but strengthening business metrics too"  
[X Link](https://x.com/weary_centurion/status/1980399021643685975) [@weary_centurion](/creator/x/weary_centurion) 2025-10-20T22:21Z 7671 followers, 5584 engagements


"Gold The signs were there"  
[X Link](https://x.com/weary_centurion/status/1980653221938098298) [@weary_centurion](/creator/x/weary_centurion) 2025-10-21T15:11Z 7671 followers, 2682 engagements


"$PYPL Alex Chriss was a serial acquirer during his time at Intuit PayPal are growing fast in Germany An acquisition in this region makes a lot of sense Looking forward to hearing more about this one Thanks for sharing @Kross_Roads"  
[X Link](https://x.com/weary_centurion/status/1980654350822437144) [@weary_centurion](/creator/x/weary_centurion) 2025-10-21T15:16Z 7671 followers, 8813 engagements


"@yehoshzl @Kross_Roads Thats not clear yet will have to wait for more info"  
[X Link](https://x.com/weary_centurion/status/1980672119768764867) [@weary_centurion](/creator/x/weary_centurion) 2025-10-21T16:26Z 7669 followers, XXX engagements


"$PYPL X days until earnings For anyone who has not seen this yet who may be interested"  
[X Link](https://x.com/weary_centurion/status/1980704118273646957) [@weary_centurion](/creator/x/weary_centurion) 2025-10-21T18:33Z 7671 followers, 5036 engagements


"@QualityInvest5 @ChrisRe70645677 Can you back it up with maths Forgive me if I dont take your word for it Aria"  
[X Link](https://x.com/weary_centurion/status/1981012036269265192) [@weary_centurion](/creator/x/weary_centurion) 2025-10-22T14:57Z 7671 followers, XXX engagements


"@QualityInvest5 @ChrisRe70645677 How did you come to that conclusion"  
[X Link](https://x.com/weary_centurion/status/1981045081474736538) [@weary_centurion](/creator/x/weary_centurion) 2025-10-22T17:08Z 7671 followers, XXX engagements


"$FI does produce more profit per dollar than $PYPL (at the moment) But Im not convinced thats the only way to measure efficiency $PYPL generates better return on capital are you saying that this is not relevant for efficiency I am genuinely trying to learn here not looking for an argument but I want to bottom this for my own understanding CROIC is higher at $PYPL (spread of +12.02% vs $FI +1.39%) To my understanding you could make a legitimate argument to say that $FI is better for revenue efficiency due to net margins being higher But there is a counter argument on capital efficiency which"  
[X Link](https://x.com/weary_centurion/status/1981050394424775014) [@weary_centurion](/creator/x/weary_centurion) 2025-10-22T17:29Z 7671 followers, XXX engagements


"$PYPL $FI @QualityInvest5 I think we can put this to bed You were wrong Thanks to @CreativeCap89 for the double checking of my maths appreciate the time"  
[X Link](https://x.com/weary_centurion/status/1981062791789511095) [@weary_centurion](/creator/x/weary_centurion) 2025-10-22T18:19Z 7671 followers, 2996 engagements


"$PYPL Terrible idea to buy back XX% of shares a year (apparently) Much better to pay down low risk debt than to buy back stock at 2017 lows 🤦🏻♂"  
[X Link](https://x.com/weary_centurion/status/1974405187810066476) [@weary_centurion](/creator/x/weary_centurion) 2025-10-04T09:24Z 7669 followers, 10.1K engagements


"$OPEN $PLUG $RGTI $QUBT $IONQ All in an ETF called $MEME What is going on 🤦🏻♂ This is a red flag if I ever saw one"  
[X Link](https://x.com/weary_centurion/status/1975942512033644777) [@weary_centurion](/creator/x/weary_centurion) 2025-10-08T15:13Z 7669 followers, 3884 engagements


"$UNH I have been open about my intentions with United Health It was primarily a mean reversion swing trade for me although I was prepared to hold long term with an average price of $XXX It has ran to $XXX in X months much faster than I anticipated I have sold earlier today at $XXX for a profit of XX% which is quite a large amount relative to my portfolio size due to a XX% allocation Two reasons for this; X. I felt the need to raise cash. If we are entering market weakness there are quite a few stocks I am watching which are approaching deep value territory X. If $PYPL does dip back below $70"  
[X Link](https://x.com/weary_centurion/status/1976732010417897571) [@weary_centurion](/creator/x/weary_centurion) 2025-10-10T19:30Z 7669 followers, 6387 engagements


"$PYPL At this rate I am going to have to write my own bear case for PayPal I have still not seen a legitimate thesis Funny thing is I actually want to see one Its always healthy to investigate the other side of the argument"  
[X Link](https://x.com/weary_centurion/status/1977428446390235576) [@weary_centurion](/creator/x/weary_centurion) 2025-10-12T17:37Z 7669 followers, 4672 engagements


"$ROOT I have re-entered Root at $XX with a substantially larger position than before After doing more research and with earnings in less than XX days this valuation does look very silly The minuscule share count with even smaller float makes this very compelling to me NFA"  
[X Link](https://x.com/weary_centurion/status/1977766134653866246) [@weary_centurion](/creator/x/weary_centurion) 2025-10-13T15:59Z 7671 followers, 5734 engagements


"@longoption I sold $UNH which made me XX% cash Deployed some of that into $PYPL Some into $ROOT Got about XX% cash remaining No sales of any $PYPL or $DLO"  
[X Link](https://x.com/weary_centurion/status/1977773117603750366) [@weary_centurion](/creator/x/weary_centurion) 2025-10-13T16:27Z 7669 followers, XXX engagements


"$PYPL I have been thinking about making PayPal my only position I cannot find anything else that even comes close to the same risk vs reward profile I have never been all in on a stock before But Im not ruling it out"  
[X Link](https://x.com/weary_centurion/status/1978013760456409480) [@weary_centurion](/creator/x/weary_centurion) 2025-10-14T08:23Z 7669 followers, 15K engagements


"$PYPL Bought more today XX% allocation Sadly had to sell $ROOT to free up the cash Thought process; 🟢 Sentiment back in the gutter just where I like it 🟢 Earnings XX days away 🟢 Dont care if it goes up or down (buybacks) 🟢 Chess not checkers"  
[X Link](https://x.com/weary_centurion/status/1978187179848290719) [@weary_centurion](/creator/x/weary_centurion) 2025-10-14T19:52Z 7671 followers, 7044 engagements


"@josh_investing I never encourage anyone to copy my strategy Its very individual I know how it looks too I never judge others for allocation or reasons for buying and selling Everyone has their reasons"  
[X Link](https://x.com/weary_centurion/status/1978227789380587825) [@weary_centurion](/creator/x/weary_centurion) 2025-10-14T22:33Z 7669 followers, XXX engagements


"Its not a trade Kab Thats the point $ROOT was going to be trade. I am bullish Root short to medium term and it is very cheap. It was not an easy decision to exit. But I am thinking long term here. I dont understand enough about root or have the necessary conviction to hold for anything more than a mean reversion. I spent a lot of time thinking about where I want my capital to be and came to the conclusion I would rather concentrate my funds in $PYPL whilst it is priced for negative growth. Your views on PayPal is mirrored by the vast majority and that is where my edge lies. Expectations are"  
[X Link](https://x.com/weary_centurion/status/1978352210200150233) [@weary_centurion](/creator/x/weary_centurion) 2025-10-15T06:48Z 7671 followers, XXX engagements


"Guyssorry but this is a rant Just because I sold out of $ROOT does not mean Im no longer bullish $ROOT I wanted to reallocate funds to $PYPL If youve been following me for any length of time you will have an idea of the amount of work Iv put into Paypal If I am right in my thesis I want maximum financial benefit (my portfolio is fairly small I am no whale) I am not using leverage or margin I have common shares and a couple of LEAPs I am not being irresponsible I am being decisive Concentration might seem risky but diversifying can be riskier I can afford to wait for $PYPL to materialise I"  
[X Link](https://x.com/weary_centurion/status/1978378759364300912) [@weary_centurion](/creator/x/weary_centurion) 2025-10-15T08:33Z 7671 followers, 4032 engagements


"@contrarcap HOW DARE YOU SELL $PYPL FOR $ROOT Seriously though lets normalise people doing what they want with their portfolio and not getting harassed by fully grown babies 🤣"  
[X Link](https://x.com/weary_centurion/status/1978915636861431956) [@weary_centurion](/creator/x/weary_centurion) 2025-10-16T20:07Z 7671 followers, XXX engagements


"$HIMS Can we be objective here This is not a good look less than XX hours after pumping the stock Anyone disagree"  
[X Link](https://x.com/weary_centurion/status/1978918072204325308) [@weary_centurion](/creator/x/weary_centurion) 2025-10-16T20:16Z 7671 followers, 19.9K engagements


"$PYPL Digging a bit more into the partnership on TikTok between PayPal and Zach King (81.9M followers) The wording in the description; Save offer within PayPal account prior to purchase. Expires 12/31/25. Max $XXX cash back per transaction up to 1.5B points available This could be fairly impactive in terms of incentives to open PayPal accounts and transact within the ecosystem The offer requires users to actively save the deal in their PayPal account before making a qualifying purchase encouraging active account creation and retention With the offer running until the end of the year and"  
[X Link](https://x.com/weary_centurion/status/1979831253789556738) [@weary_centurion](/creator/x/weary_centurion) 2025-10-19T08:45Z 7671 followers, 8980 engagements


"$UPWK has more risks; - Debt to equity ratio of XX% - Threats from AI to their business model - Margin pressure from $FVRR - Earnings forecast to decline - Buybacks not the best use of capital allocation with their debt burden and lack of cash pile $PYPL has less risks; - Established and strengthening MOAT - Growth is forecasted to re-accelerate - FCF $6-7B and increasing - NET income increasing since Chriss took over - Margins increasing since Chriss took over - Fortress balance sheet ($13.7B cash) - Revenue growth re-acceleration for H2 of 2025 - Buyback yield XX% and optimal capital"  
[X Link](https://x.com/weary_centurion/status/1980170676137763244) [@weary_centurion](/creator/x/weary_centurion) 2025-10-20T07:14Z 7670 followers, XXX engagements


"$PYPL Great post by Juan using his free Perplexity one year membership from PayPal Revenue per employee trend inflected in a big way in 2023-24 Im expecting this trend to continue as further efficiency savings are made and growth re-accelerates"  
[X Link](https://x.com/weary_centurion/status/1980535063331885239) [@weary_centurion](/creator/x/weary_centurion) 2025-10-21T07:22Z 7671 followers, 3299 engagements


"$PYPL 🚨Lets put this SBC narrative to bed🚨 Q2 2024 shares outstanding: 1.039B Q2 2025 shares outstanding: 960M 📉 Net YoY reduction: 79M shares (7.6%) 🟢Gross buybacks: 84M shares. 🔴Offset by SBC: 5M shares SBC reduced buybacks by just XXXX% SBC down XXXX% YoY"  
[X Link](https://x.com/weary_centurion/status/1980557598261641698) [@weary_centurion](/creator/x/weary_centurion) 2025-10-21T08:51Z 7671 followers, 4268 engagements


"$PYPL REMEMBER Nobody uses PayPal anymore"  
[X Link](https://x.com/weary_centurion/status/1980645917272469714) [@weary_centurion](/creator/x/weary_centurion) 2025-10-21T14:42Z 7671 followers, 4043 engagements


"$PYPL I still believe many people will be scrambling to buy PayPal at higher prices within the next XX months Once everyone realises it is not the same company as it was in 2022 2025-26 will be when the market realises this is now PayPal 2.0"  
[X Link](https://x.com/weary_centurion/status/1980652838905946623) [@weary_centurion](/creator/x/weary_centurion) 2025-10-21T15:10Z 7671 followers, 2624 engagements


"$PYPL $FI ROIC vs WACC (TTM) 🟢 PayPal ROIC - XXXX% WACC - XXXX% Spread - +11.82%+ ➕ Spread supports undervaluation 🔴 Fiserv ROIC - XXXX% WACC - XXXX% Spread - 1.10%- ➖ Spread indicates value risks 💰 Shareholder value test complete"  
[X Link](https://x.com/weary_centurion/status/1980918585217479134) [@weary_centurion](/creator/x/weary_centurion) 2025-10-22T08:46Z 7671 followers, 1904 engagements


"@QualityInvest5 Let me ask you this If the acquisition was made in 2019 then why is it still having such an impact If it was a good acquisition surely it should be accretive by now and not still a drag"  
[X Link](https://x.com/weary_centurion/status/1981016927729582102) [@weary_centurion](/creator/x/weary_centurion) 2025-10-22T15:16Z 7671 followers, XXX engagements


"Thanks for the response Rose appreciate it I redid the calculations but it still only yields a +0.41% spread after ROIC comes up to XXXX% unless Im doing my calculations wrong We dont agree on $PYPL I think their business is way more efficient than $FI now that Chriss has transformed the business but I would be very interested to hear a structured counter to that I am in no way saying $FI is a bad business just trying to a put a narrative to bed that $FI is obviously better in some way Different strategies but I think $FI is higher risk I feel my original post still stands despite the"  
[X Link](https://x.com/weary_centurion/status/1981029049318154257) [@weary_centurion](/creator/x/weary_centurion) 2025-10-22T16:05Z 7671 followers, XXX engagements


"$PYPL Analysts continue to downgrade EPS projections on the run up to Q3 Either the analysts are wrong Or PayPal management wont meet the conservative guidance they set (They also raised it by the way) Pretty hilarious if you ask me I know who my moneys on (NFA)"  
[X Link](https://x.com/weary_centurion/status/1981065674136105333) [@weary_centurion](/creator/x/weary_centurion) 2025-10-22T18:30Z 7671 followers, 2274 engagements