PayPal: There Are Reasons To Be Optimistic, But It's Too Early To Buy (Archive)

Improving revenue quality, margins and valuation, but still awaiting clear growth acceleration.

PayPal: There Are Reasons To Be Optimistic, But It's Too Early To Buy (Archive)

This 5-Minute Pitch was originally published on Seeking Alpha before the launch of the Hunting Alphas website. It is shared here to showcase my previous work and track record. New 5-Minute Pitches published on this site will not be disseminated anywhere else.

Elevator Pitch

  • PayPal's revenue quality is improving with increased value-added services, growth in active accounts, and better credit quality of merchant loans.
  • PYPL's outlook for transaction margins is positive, driven by better monetization of Braintree and expanded service offerings.
  • Valuation is at a 15.5% discount to the median comps, which is attractive given the context of improving operational metrics.
  • I'm waiting for proof of revenue growth acceleration under new CEO Alex Chriss.
  • CEO Alex Chriss has a good track record of delivering on growth, as evidenced by how he helped Intuit's Quickbooks grow at a 25% CAGR. However, a similar revenue growth acceleration in PayPal is yet to materialize.

Read the full article here.

Disclosures and Disclaimers

Past performance ≠ future results. Not investment advice. See full Disclaimer.