PayPal Stock : The Ugly Truth No One Talks About (5 Reasons to Be Worried)

🚨 **Is PayPal Stock a Generational Wealth Opportunity or a Potential Trap?** 🚨

In this video, we dive deep into the **bear cases** for investing in PayPal (PYPL). Forget the hype you might see on Twitter and YouTube – we're focusing on the reasons why I'm personally not confident in PayPal's long-term prospects as an investment.

We'll cover critical aspects like their **weakening moat, stagnant growth, increasing competition, low return on capital, and declining user acquisition.** We'll also touch upon my personal negative experiences with their product and why I believe there are better investment opportunities available right now.

While we briefly touch upon a valuation that suggests the stock might be cheap, I'll explain why valuation alone isn't enough for me to invest in this company.

**Timestamps:**

* 0:00 - Introduction: Debunking the PayPal Hype
* 0:31 - Bear Case 1
* 1:28 - Bear Case 2
* 3:02 - Bear Case 3
* 3:59 - Bear Case 4
* 4:51 - Bear Case 5
* 5:44 - Bear Case 6
* 6:18 - Valuation Discussion (Briefly)
* 8:02 - Why I Don't Invest in PayPal (My Personal Reasons)
* 11:12 - Better Investment Opportunities Exist
* 12:28 - Conclusion: Do Your Own Research

**Disclaimer:** I am not a financial advisor. This video is for informational and entertainment purposes only. Investing in the stock market involves risk, and you could lose money. Always conduct your own thorough research and due diligence before making any investment decisions. This is not financial advice.

**#PayPal #PYPL #StockAnalysis #Investing #BearCase #StockMarket #Finance #InvestmentStrategy #ValueInvesting #GrowthInvesting**

[peternguyen]

I agree with all your Bear case. Hence I will be dumping paypal after this latest earnind

[Imorqse]

You're not considering that with that amount of FCF and the new CEO acknowledging they need to start changing things and investing more in new things, it could end up with good stuff. Sure, they could fuck it up, but there's a good margin of safety, and the CEO right now is a good one, so it does have the money and the power to put the company on a better path.

[rossofilmsinternational]

Guillaume, Merci ! Personal story : my family in 2021-2022 lost about 150k In PayPal stock. It was a very traumatic experience. They owned it around 224-230 price range. I finally sold it for my family at 176$ only to see it go to $50 and never recover. During that trauma, I took over the family finances. And was able to make back all the loses, but it took 3 years! Merci Encore, for your very honest assessment of PayPal. And remember, don’t get involved with it. It’s a value trap.

[davidalejandrogutierrezgra]

Lovely! Guillaume many many thanks! Appreciate it!

[hhh]

Hi, Guillaume how do you develop this Contrarian view. any books you recommend? like the way you present bear cases, which no many can present.

[emilianolopez]

Guillaume, excellent analysis of PayPal.
I discovered your YouTube channel a few days ago and I can say you're doing a great job.
I'm not a big fan of investing in PayPal, but it might be an interesting short-term opportunity with these prices near their 52-week lows. Just in case the stock reaches its 52-week high of $90.
But the underlying business has lost quality and growth.
On the other hand, your videos have the quality that PayPal lost, haha.
Keep doing the great job, man.

[MisterBig]

Why do you put 2% buybacks when 10% per year is scheduled? Trying to get a fake low number to prove your bear case? be honest

[Krushner]

Dude…most of your points are inaccurate and misleading at best, dishonest at worst

You are clearly misinformed

MOAT is its brand and network effect which is solid

Margins increasing

FCF increasing

Active accounts increasing

Buybacks are insane at this valuation ($20 billion)

Please do more thorough research

[santimartincaro]

Financials and valuation doesn't really tell anything anymore, market is all about price action

[yusselfaveljl]

Why not discuss MasterCard in Visa. They are in the same business. Is there a hidden agenda?