$PYPL - Paypal: A Value Investing ApproachPayPal Holdings, Inc.BATS:PYPLMannyLoIs Paypal a Value Trap or a Gift at these levels? We've begin to Dollar Cost average our way in. While we still expect more downside in the market at the moment, this is a long term play 1-2 year buy and hold. Remember, PayPal announced on October 28, 2025 that it will integrate with OpenAI’s “Instant Checkout” feature via the “Agentic Commerce Protocol” (ACP), so ChatGPT users will be able to complete purchases using their PayPal wallet directly within ChatGPT. This is a massive announcement if it plays out how they believe it will. DCF models from multiple analysts peg intrinsic value between $90–$100 per share, implying 30–50% upside if PayPal maintains moderate growth and margins. Relative valuation supports this, with a P/E around 12x, below the fintech industry average, suggesting the market may be overly discounting near-term challenges. The company continues to generate strong returns on equity (~24%) and free cash flow, indicating it still earns well above its cost of capital. While PayPal currently pays no dividend, its consistent share buybacks enhance shareholder yield. The market’s pessimism largely reflects competitive and regulatory fears, yet the business maintains a global brand, massive user base, and network effects that competitors struggle to replicate. For a long-term, fundamentals-driven investor, these factors point to a mispriced quality company trading at a steep discount. Assuming stable execution, PayPal offers a compelling risk/reward profile and could deliver 40–70% upside over the next 3–5 years, making it a buy for value investors seeking both capital appreciation and margin of safety. Disclaimer: I do not provide personal investment advice and I am not a qualified licensed investment advisor. I am an amateur investor. All information found here, including any ideas, opinions, views, predictions, forecasts, commentaries, suggestions, or stock picks, expressed or implied herein, are for informational, entertainment or educational purposes only and should not be construed as personal investment advice. While the information provided is believed to be accurate, it may include errors or inaccuracies. I will not and cannot be held liable for any actions you take as a result of anything you read here. Conduct your own due diligence, or consult a licensed financial advisor or broker before making any and all investment decisions. Any investments, trades, speculations, or decisions made on the basis of any information found on here, expressed or implied herein, are committed at your own risk, financial or otherwise. Feel free to give us a follow and shoot us a like for more analysis updates.