Two Cents Thoughts on PYPL
Everyone is talking about the same facts that competition are getting more intense and PYPL’s market share gonna be diluted eg to Apple Pay. Personally i think the cake of this industry is getting bigger, and even with the diluted market share PYPL still remain positive with growth in Revenue.
The bigger threat to me is actually the FED new payment option FEDNOW launched July 2023, which I am not sure why i didnt see anyone discussing about this. It could be a game changer once it’s widely adopted by the banks. Not sure if PYPL has some solution to sustain it’s competitiveness. I mean like if FEDNOW can do the same function of PYPL, why users bother to download one more app?
I am also betting on the new CEO and batches of new blood to the BODs may come out with some interesting idea, of course it still highly depending on their competence. In Chinese we have a saying of 新官上任三把火, which mean the newcomer tend to perform, especially when the situation is in bad shape.
Lastly, Stablecoin. Sound a little confusing to me, but media has been spreading about the potential of PYPL USD, we shall see. After all, PYPL is currently still performing well, at least historically, I feel $5X is quite a worthy entry point. DYODD and happy investing!
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