What an incredible week for #paypal I feel extremely lucky to have entered this stock on October 22 at $68.07, just days before explosive news about record earnings, a groundbreaking partnership with ChatGPT, and the announcement of PayPal's first dividend sent shares soaring over 15%. With such strong results and innovation, I expect an excellent future ahead for PayPal—this is just the beginning!

$PYPL (+4,88%)

$PYPL (+4,88%)

$PYPL (+4,88%)

🔹 Revenue: $8.42B (Est. $8.22B) 🟢; UP +7% YoY

🔹 Adj. EPS: $1.34 (Est. $1.21) 🟢; UP +12% YoY

🔹 TPV: $458.1B (Est. $450.3B) 🟢; UP +8% YoY

🔹 Active Accounts: 438M; UP +1% YoY

FY25 Guidance

🔹 Raised Adj. EPS: $5.35–$5.39 (Est. $5.24) 🟢

🔹 FY25 FCF: $6B–$7B (reaffirmed)

Q3 Other:

🔹 Adj. Op. Income: $1.568B (Est. $1.44B) 🟢

🔹 Payment Transactions: 6.331B; DOWN -5% YoY

Revenue Mix

🔹 Transaction Revenues: $7.522B; UP +6% YoY; 89% of total

🔹 OVAS: $895M; UP +15% YoY; 11% of total

Geography:

🔹 U.S. $4.753B (+5% YoY)

🔹 International $3.664B (+10% YoY)

Profitability & Cash

🔹 Transaction Margin $: $3.87B; UP +6% YoY (ex-interest on customer balances: $3.55B; UP +7% YoY)

🔹 Free Cash Flow: $1.72B in Q3; Adj. FCF $2.28B

$PYPL (+4,88%)

• Revenue: $8.42B vs. $8.23B est.

• Adj. EPS: $1.34 vs. $1.20 est.

• Total Payment Volume: $458.1B

Guidance:

• Q4 Adj. EPS: $1.27–$1.31 (vs. $1.31 est.)

• FY25 Adj. EPS: $5.35–$5.39 (vs. $5.24 est.)

• FY Transaction Margin Dollars: $15.45B–$15.55B (+6–7% YoY)

Additional:

• Initiated quarterly cash dividend of $0.14/share.

PayPal $PYPL (+4,88%) will become the first digital wallet integrated into ChatGPT, enabling instant purchases and payments directly through the AI interface. Users will be able to shop, discover products, and check out in seconds, all from within ChatGPT.

This is the new era of agentic commerce—AI-driven, seamless buying experiences with the power of PayPal’s security and network. Instant checkout, multiple payment options, and one of the world’s largest merchant ecosystems, now inside ChatGPT.

#paypal
#openai
#chatgpt
#ecommerce
#fintech
#ai
#news

$PYPL (+4,88%)

Hey, it's been a while since I’ve gotten feedback, and a lot has changed since then.

About Me:

I'm 19 years old and started investing back in February 2024.

Concerns & Clarification:

$PYPL (+4,88%) (PayPal):

I recently added PayPal to my portfolio. I’ve always liked the company’s concept and was hopeful about its long-term potential—especially with the Google collaboration. However, I'm starting to feel less confident about this move and am questioning whether it was a mistake.

$ABNB (+0,71%) (Airbnb):

This is a position I plan to hold for the long term. I really like the business model, but I’m increasingly concerned about the regulatory challenges Airbnb is facing in various regions. It’s definitely something I’m keeping an eye on.

$GOSS (-0,49%) (Gossamer Bio):

This is a small, high-risk bet in my portfolio. I understand the risks involved and have sized the position accordingly.

$1211 (-0,85%) (BYD Company):

I’m considering selling this one. The competition in the EV space is becoming extremely fierce, and I’m not sure BYD can maintain its edge in the long run.

Portfolio Goal:

My main goal is to outperform the MSCI World Index ( $IWDA (+0,08%) ) while keeping risk at a moderate level.

I do include some higher-risk bets in the portfolio, but they’re usually small in size and don't compromise the overall risk profile.

#portfolio
#feedback
#review