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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, pypl, $unh, money 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 +31%
- X Month XXXXXXXXX +337%
- X Months XXXXXXXXX +498%
- X Year XXXXXXXXX +3,215%

### 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 +11%
- X Month XXX +86%
- X Months XXXXX +393%
- X Year XXXXX +768%

### 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 +2.90%
- X Month XXXXX +27%
- X Months XXXXX +466%
- X Year XXXXX +2,658%

### 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)  #5083 [technology brands](/list/technology-brands)  XXXXX% [finance](/list/finance)  #5832 [cryptocurrencies](/list/cryptocurrencies)  XXXX% [countries](/list/countries)  XXXX% [social networks](/list/social-networks)  XXXX%

**Social topic influence**
[$pypl](/topic/$pypl) #85, [pypl](/topic/pypl) #12, [$unh](/topic/$unh) #82, [money](/topic/money) 1.64%, [$root](/topic/$root) #44, [long term](/topic/long-term) #1120, [debt](/topic/debt) #336, [investment](/topic/investment) #844, [$dlo](/topic/$dlo) #38, [stocks](/topic/stocks) #785

**Top accounts mentioned or mentioned by**
[@spike_1567](/creator/undefined) [@acce](/creator/undefined) [@mattscottcap](/creator/undefined) [@solesurvivore](/creator/undefined) [@creativecap89](/creator/undefined) [@toronto242m](/creator/undefined) [@wearycenturion](/creator/undefined) [@davey_juice](/creator/undefined) [@krossroads](/creator/undefined) [@lucelex](/creator/undefined) [@dividenddynasty](/creator/undefined) [@kabraxfx](/creator/undefined) [@tacticzh](/creator/undefined) [@griffithbrand](/creator/undefined) [@derapfelmannyt](/creator/undefined) [@meeijer](/creator/undefined) [@jonahlupton](/creator/undefined) [@longoption](/creator/undefined) [@contrarcap](/creator/undefined) [@grok](/creator/undefined)

**Top assets mentioned**
[PayPal Holdings Inc (PYPL)](/topic/$pypl) [UnitedHealth Group (UNH)](/topic/$unh) [The Root Network (ROOT)](/topic/$root) [DLocal Limited Class A Common Shares (DLO)](/topic/$dlo) [IonQ, Inc. (IONQ)](/topic/$ionq) [Rigetti Computing, Inc. Common Stock (RGTI)](/topic/$rgti) [Quantum Computing Inc. Common (QUBT)](/topic/$qubt) [Hims & Hers Health, Inc. (HIMS)](/topic/$hims) [Autozone Inc (AZO)](/topic/autozone) [Alphabet Inc Class A (GOOGL)](/topic/$googl) [Bull Market (BULL)](/topic/$bull) [Uber Technologies, Inc. (UBER)](/topic/$uber) [Dash (DASH)](/topic/$dash) [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) [ODDITY Tech Ltd. Class A Ordinary Shares (ODD)](/topic/$odd) [Apple, Inc. (AAPL)](/topic/$aapl) [4 (FOUR)](/topic/$four) [Goldman Sachs (GS)](/topic/goldman-sachs) [D-Wave Quantum Inc. (QBTS)](/topic/$qbts)
### Top Social Posts [#](/creator/twitter::370685933/posts)
---
Top posts by engagements in the last XX hours

"$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 7667 followers, 50.1K 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, 11.5K 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 7667 followers, 8084 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 7653 followers, 22.7K 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 7665 followers, 2649 engagements


"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 7665 followers, 2627 engagements


"@oncetravelled @piqw1k I never short Get tempted sometimes but its too hard to predict the top"  
[X Link](https://x.com/weary_centurion/status/1974855327427518881) [@weary_centurion](/creator/x/weary_centurion) 2025-10-05T15:12Z 7661 followers, XX engagements


"$BULL Looking cheap but there are some severe red flags; 🚩 They have a $1B standby equity agreement with Yorkville Advisors who are reputed as a toxic lender with borderline fraudulent practices 🚩 This allows $1B of dilution at discount prices which can be devastating to existing shareholders 🚩 Firms like Applied Digital Trump Media and various OTC/micro-caps have seen 50-90% drops after Yorkville deals with CEOs later refinancing to escape. 🚩 I checked through some filings last night and noticed they have X billion shares authorised for issuance (current OS is around XXX million). This"  
[X Link](https://x.com/weary_centurion/status/1975905743762047483) [@weary_centurion](/creator/x/weary_centurion) 2025-10-08T12:46Z 7650 followers, 19.5K engagements


"$PYPL Fundamentals 📈 Share price only just starting to begin catching up Long way to go NFA"  
[X Link](https://x.com/weary_centurion/status/1975913705251688789) [@weary_centurion](/creator/x/weary_centurion) 2025-10-08T13:18Z 7649 followers, 4079 engagements


"$PYPL Took the opportunity to purchase another leap on that dip Good to see how fast it was eaten up by buying pressure Its rare to see this level of rebound on a PayPal dip"  
[X Link](https://x.com/weary_centurion/status/1975927616684126501) [@weary_centurion](/creator/x/weary_centurion) 2025-10-08T14:13Z 7633 followers, 9994 engagements


"$UNH RIP to the $UNH to $XXX crew Where did all those people go There was a large army of them just a couple of months ago"  
[X Link](https://x.com/weary_centurion/status/1975939072985387079) [@weary_centurion](/creator/x/weary_centurion) 2025-10-08T14:59Z 7649 followers, 3364 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 7651 followers, 3883 engagements


"$UNH Who would have thought it Just X months ago it was going to zero"  
[X Link](https://x.com/weary_centurion/status/1975948805649649874) [@weary_centurion](/creator/x/weary_centurion) 2025-10-08T15:38Z 7649 followers, 2816 engagements


"$PYPL REMEMBER Nobody uses PayPal anymore"  
[X Link](https://x.com/weary_centurion/status/1976290304220123481) [@weary_centurion](/creator/x/weary_centurion) 2025-10-09T14:15Z 7664 followers, 18.5K engagements


"@CreativeCap89 A good CFO is critical to a companies success. I need to do more research on $ODD now that its pulled back"  
[X Link](https://x.com/weary_centurion/status/1976378480901399020) [@weary_centurion](/creator/x/weary_centurion) 2025-10-09T20:05Z 7663 followers, XXX 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, 20.3K 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 7656 followers, 1990 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 7649 followers, 6233 engagements


"@Mr_Derivatives Cheer up Heisenberg Eventually price will catch up to fundamentals"  
[X Link](https://x.com/weary_centurion/status/1978884618322317700) [@weary_centurion](/creator/x/weary_centurion) 2025-10-16T18:03Z 7638 followers, 1308 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 7652 followers, XXX engagements


"@teechongyen Using debt to fund buybacks No thanks $PYPL will be back to XX% rev growth within the next year or so and are already growing EPS double digits consistently They are also funding buybacks with FCF not debt"  
[X Link](https://x.com/weary_centurion/status/1979082225846010277) [@weary_centurion](/creator/x/weary_centurion) 2025-10-17T07:09Z 7651 followers, XXX engagements


"@JFeinberglol There is very little that is speculative about $PYPL But since my close clearly triggered you and made you emotional I will take the time to explain that I am not trading I am investing I may trade like a fool but you talk like one"  
[X Link](https://x.com/weary_centurion/status/1979143618934841432) [@weary_centurion](/creator/x/weary_centurion) 2025-10-17T11:13Z 7653 followers, XXX engagements


"@contrarcap Probably a slowdown of TVP/revenue growth maybe some margin pressure But I think PayPal are that massive in both size and reach I think they could weather the storm Worst case scenario they could offload staff make efficiency savings and buyback all of their shares"  
[X Link](https://x.com/weary_centurion/status/1979253472999469094) [@weary_centurion](/creator/x/weary_centurion) 2025-10-17T18:29Z 7663 followers, XXX engagements


"Those are all fair points of contention But I do believe there are a few points to be made here: - Growth in TVP and revenue growth are expected to re-accelerate and are on a pathway to double digit growth again - Active user growth is low but remember that have 438M+ actives even single digit growth is significant if they are adding millions of actives each quarter. They also offload inactives too which creates a drag effect - Granted lots of competition but market share is holding strong and growing internationally. Margins have also inflected which counters this narrative"  
[X Link](https://x.com/weary_centurion/status/1979262324989989260) [@weary_centurion](/creator/x/weary_centurion) 2025-10-17T19:04Z 7663 followers, XXX engagements


"@cohen____ Possibly Unlikely though Theres no quantum or meme stocks in there for a start"  
[X Link](https://x.com/weary_centurion/status/1979303262353526952) [@weary_centurion](/creator/x/weary_centurion) 2025-10-17T21:47Z 7645 followers, XX engagements


"$PYPL Alex Chriss has already transformed PayPal into a completely different company The market just hasnt caught up yet Massive future growth being secured constantly right now"  
[X Link](https://x.com/weary_centurion/status/1976232614269944064) [@weary_centurion](/creator/x/weary_centurion) 2025-10-09T10:25Z 7665 followers, 8124 engagements


"$PYPL X days ago Imagine issuing a downgrade less than a month until Q3 earnings on a stock that is ludicrously undervalued Someone give me a job as an analyst I guarantee I can do better despite having zero financial qualifications"  
[X Link](https://x.com/weary_centurion/status/1976261110300045744) [@weary_centurion](/creator/x/weary_centurion) 2025-10-09T12:19Z 7665 followers, 4595 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 7664 followers, 9104 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 7666 followers, 1757 engagements


"$PYPL Just wait until this value proposition becomes global At the moment the PayPal experience is fragmented as a result of local regulations and technology constraints The team is working hard to address this Tech is being updated and products will be rolled out gradually"  
[X Link](https://x.com/weary_centurion/status/1979315393660670167) [@weary_centurion](/creator/x/weary_centurion) 2025-10-17T22:35Z 7664 followers, 4284 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 7666 followers, 6377 engagements


"$PYPL By the way I will formulate a post dismantling this poor attempt at some point A waste of XX minutes but honestly hilarious If this is the best anyone can come up with I clearly dont own enough shares I recommend you watch it and make your own mind up"  
[X Link](https://x.com/weary_centurion/status/1977344255908585584) [@weary_centurion](/creator/x/weary_centurion) 2025-10-12T12:03Z 7666 followers, 4022 engagements


"$PYPL I know exactly how he feels The correct information is available if you take the time to look properly"  
[X Link](https://x.com/weary_centurion/status/1977454396226027555) [@weary_centurion](/creator/x/weary_centurion) 2025-10-12T19:20Z 7666 followers, 4616 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 7667 followers, 5343 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 7666 followers, 8466 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 7666 followers, 11.8K 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 7667 followers, 34.8K 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 7666 followers, 6259 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 7666 followers, 9416 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 7668 followers, XXX 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 7665 followers, 49.3K engagements


"$ROOT I started a small position at $XX I envisage more downside If it gets to $XX or below this will become a substantially larger position and I may consider realising some profit on $UNH to take advantage This will also be the next stock I start to research in depth NFA"  
[X Link](https://x.com/weary_centurion/status/1976288602050134326) [@weary_centurion](/creator/x/weary_centurion) 2025-10-09T14:08Z 7664 followers, 7715 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 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


"@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 7665 followers, XXX 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 7666 followers, 10.6K 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 7667 followers, 15K 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 7667 followers, 1602 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 7667 followers, 19.8K 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 7667 followers, 7786 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 7664 followers, 8618 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 7667 followers, 37K 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 7667 followers, 8759 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 7665 followers, 1518 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 7667 followers, XX 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 7663 followers, 10.1K engagements


"$PYPL My wife is sick of hearing about PayPal"  
[X Link](https://x.com/weary_centurion/status/1976015286479487382) [@weary_centurion](/creator/x/weary_centurion) 2025-10-08T20:02Z 7665 followers, 8197 engagements


"$PYPL Holiday season inbound 👀 Q4 should be impressive"  
[X Link](https://x.com/weary_centurion/status/1976287458833977550) [@weary_centurion](/creator/x/weary_centurion) 2025-10-09T14:03Z 7665 followers, 2488 engagements


"$PYPL $UNH $DLO There is no better stress test for your portfolio than how they perform on days when the market is pulling back"  
[X Link](https://x.com/weary_centurion/status/1976292364349014191) [@weary_centurion](/creator/x/weary_centurion) 2025-10-09T14:23Z 7665 followers, 3241 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 7664 followers, 12.5K engagements


"$PYPL One thing that is being completely overlooked is the potential of omnichannel XX% of global retail is in person With PayPal now being available offline their future growth in this segment could be vastly underestimated"  
[X Link](https://x.com/weary_centurion/status/1976416870199963948) [@weary_centurion](/creator/x/weary_centurion) 2025-10-09T22:37Z 7664 followers, 4160 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 7665 followers, 2460 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 7665 followers, 3752 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 7664 followers, 1547 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 7665 followers, 2707 engagements


"Well at least all of the gain porn seems to have stopped Remember what I have been saying about high beta stocks Months of gains can be wiped out in a few hours If you are freaking out learn from this experience Its never too late to learn"  
[X Link](https://x.com/weary_centurion/status/1976767543713951818) [@weary_centurion](/creator/x/weary_centurion) 2025-10-10T21:51Z 7665 followers, 1757 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 7664 followers, 2260 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 7665 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 7665 followers, 3257 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 7665 followers, 4650 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 7665 followers, 4871 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 7663 followers, 4495 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 7665 followers, 4785 engagements


"7. They offer BNPL and so does everyone else Yes Daniel but PayPal's value proposition is much higher. Why Because its all contained within the ecosystem and compliments it very well. When I see an offer now for cashback in the PayPal app I activate it go to the shop and purchase the item all through the app. I get to the checkout and select my desired payment method which is; -Bank -PayPal balance -Pay in X -PayPal credit -Crypto If I choose BNPL I get; - More time to manage my funds all in the app - Buyer protection - Fraud protection - X% interest - Cashback rewards This is a no brainer"  
[X Link](https://x.com/weary_centurion/status/1977698492307874261) [@weary_centurion](/creator/x/weary_centurion) 2025-10-13T11:30Z 7665 followers, 1251 engagements


"8. PayPal for international transfers is useless. The fees are ridiculous How is it useless More expensive than others That is one thing that we agree on But useless When PayPal world becomes fully operational and PayPal has its very own global wallet With everything in one place Able to send money anywhere in the world via a phone number I do question how that can be labelled as useless As I said earlier the fees are higher but you get a lot of value for that premium; - Trusted brand - Buyer/seller protection - PayPal ecosystem"  
[X Link](https://x.com/weary_centurion/status/1977698494577082563) [@weary_centurion](/creator/x/weary_centurion) 2025-10-13T11:30Z 7665 followers, 1853 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 7664 followers, 1749 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 7666 followers, 6220 engagements


"@StockMarketNerd $PYPL"  
[X Link](https://x.com/weary_centurion/status/1977734062161768757) [@weary_centurion](/creator/x/weary_centurion) 2025-10-13T13:51Z 7665 followers, 2378 engagements


"$PYPL Ok Im done buying for now I have increased my amount of shares held by XX% Also bought another LEAP: Jan XX 115C Reminder: not financial advice do not copy strangers on the internet Just being transparent and putting my money where my mouth is"  
[X Link](https://x.com/weary_centurion/status/1977761736880009700) [@weary_centurion](/creator/x/weary_centurion) 2025-10-13T15:41Z 7665 followers, 9949 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 7665 followers, 5731 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 7665 followers, 8683 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 7665 followers, 7005 engagements


"$PYPL Solid write up by Will here He sees what I see A company priced for destruction But poised for greatness A very are disconnect not often found"  
[X Link](https://x.com/weary_centurion/status/1978207644222382432) [@weary_centurion](/creator/x/weary_centurion) 2025-10-14T21:13Z 7665 followers, 6157 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 7665 followers, 4026 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 7665 followers, 4910 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 7665 followers, 9990 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 7663 followers, 1566 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 7663 followers, 2856 engagements


"This is nothing guys 2008 was before my time But I was watching price action across the market daily throughout the whole of 2022 Days like this would happen multiple times per month and most days were a slow and steady bleed Only when people were at the point of utter despair after a few months of constant bleeding did we start to see the signs of a reversal Judging by the amount of greed that has been on show for the last few months I would say there is a lot of stupidity to unwind A flight to quality will follow And thats partly why Im positioned so heavily into $PYPL Because it has high"  
[X Link](https://x.com/weary_centurion/status/1979120140693213531) [@weary_centurion](/creator/x/weary_centurion) 2025-10-17T09:39Z 7665 followers, 6497 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, 3952 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 7667 followers, 18.9K 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 7667 followers, 4243 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 7664 followers, XX 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 7667 followers, XXX 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 7667 followers, 4335 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 7667 followers, 6067 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 7667 followers, 2587 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 7664 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 7667 followers, XX 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 7666 followers, 2294 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 7667 followers, 15.2K 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 7665 followers, 1387 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 7666 followers, 4159 engagements


"$PYPL I stand corrected"  
[X Link](https://x.com/weary_centurion/status/1979906794169290933) [@weary_centurion](/creator/x/weary_centurion) 2025-10-19T13:45Z 7667 followers, 3048 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 7667 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 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 7667 followers, XX engagements