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![whispertickers Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::1937935302200373248.png) WhisperTick [@whispertickers](/creator/twitter/whispertickers) on x XXX followers
Created: 2025-07-27 13:22:46 UTC

Margins inch up. Market share slips. Outlook? Not quite priced in 😬

$PYPL trades at 15x trailing P/E, the lowest since 2020. EPS hit $XXXX TTM, buoyed by $5bn buybacks, but revenue growth has cooled—9% this quarter, down from XX% in 2022. Braintree now leads the charge, yet PayPal’s share of global digital payments has shrunk to X% from XX% in just two years.

Bull case: EPS could double to $XXXX by 2029 if margins creep to 20%. Plug an 18x multiple on that, and fair value lands near $XXX. 

Risks? Competition from Apple Pay, Stripe, and new EU regulations. Regulatory squeeze or a macro funk, and that runway shortens fast.

The maths, plus a few thorns, in this snapshot:

Still confident?

![](https://pbs.twimg.com/media/Gw3f8_MXEAAy29R.png)

XX engagements

![Engagements Line Chart](https://lunarcrush.com/gi/w:600/p:tweet::1949460455572832710/c:line.svg)

**Related Topics**
[pypl](/topic/pypl)
[quarterly earnings](/topic/quarterly-earnings)
[$5bn](/topic/$5bn)
[$pypl](/topic/$pypl)
[stocks financial services](/topic/stocks-financial-services)

[Post Link](https://x.com/whispertickers/status/1949460455572832710)