As of February 19, 2025, PayPal Holdings Inc (PYPL) shares are trading at 78.36 USD, down slightly by 0.35% on the previous close. Despite an annual rise of 47%, the stock remains more than 70% below its all-time high in 2021. Bank of America recently upgraded its recommendation on the stock from "neutral" to "buy", with a price target of USD 103, pointing to stable growth of 6% in the brand's total payments volume. However, PayPal is facing increased competition, notably from Apple Pay, raising questions about the future of its iconic payment button. To strengthen its position, the company plans to improve the button's performance and user experience over the course of the year.