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# PayPal: There Are Reasons To Be Optimistic, But It's Too Early To Buy (Archive)
- URL: https://www.huntingalphas.com/paypal-there-are-reasons-to-be-optimistic-but-its-too-early-to-buy-archive/
- Published: 2024-12-02T01:26:00.000Z
- Updated: 2026-02-28T03:20:26.000Z
- Description: Improving revenue quality, margins and valuation, but still awaiting clear growth acceleration.
- Author: Vish (Hunting Alphas)
- Tags: 5-Minute Pitches, #noindex, Archive, #sa-origin, PYPL, Financials

*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](https://seekingalpha.com/article/4741406-paypal-stock-reasons-to-be-optimisic-too-early-to-buy?ref=huntingalphas.com).

#### Disclosures and Disclaimers

**Past performance ≠ future results. Not investment advice. See* [**full Disclaimer*](https://www.huntingalphas.com/disclaimer/)**.*