PayPal Is Yesterday's News. Is This Fintech Stock the Better Buy?

Impact · against what's priced in

The article provides no catalyst for PYPL or SOFI as it merely echoes market consensus regarding PayPal's stagnation and SoFi's growth. The reported payment volume and user growth figures for PayPal confirm the low-growth expectations already baked into its current valuation.

PYPL−0.05

Already priced in

The price assumes

continued deceleration in core transaction revenue growth toward the low single digits

The 2% growth in branded checkout TPV and 1% increase in transaction margin dollars align with the low-single-digit deceleration the market already expects.

What PYPL's price assumes · Sep 11

• SOFI▲75%
• valuation▲1%
• growth stocks
• PYPL
• digital payments
• fintech
• payment volume
• share buybacks