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(NASDAQ:PYPL) is one of the best beaten down stocks to invest in according to analysts. On December 15, PayPal Holdings Inc. (NASDAQ:PYPL) affirmed plans to deepen its presence in the US financial system. The company has applied to establish a Bank in the US as it rushes to capitalize on a friendly regulatory environment.Is PayPal Holdings, Inc. (PYPL) One of the Best Beaten-Down Stocks to Invest in According to Analysts?The filing with the Utah Department of Financial Institutions and the Federal Deposit Insurance Corporation is part of an effort to form an industrial loan company. The filling comes as FinTechs and crypto companies push to expand their businesses.PayPal has set its sights on strengthening its lending business to small businesses in the US, having provided $30 billion in loans and capital since 2013. The effort will also allow it to reduce reliance on third parties. Additionally, it plans to offer interest-bearing savings accounts to customers.“Securing capital remains a significant hurdle for small businesses striving to grow and scale,” said PayPal CEO Alex Chriss. “Establishing PayPal Bank will strengthen our business and improve our efficiency, enabling us to better support small business growth and economic opportunities across the U.S.”Meanwhile, research firm Bernstein SocGen has reiterated a Market Perform rating on PayPal with a $76 price target on December 17. The positive stance comes amid expectations that obtaining a banking license will enable the company to expand its lending operations and reduce its reliance on partner banks.PayPal Holdings, Inc. (NASDAQ:PYPL) is a global technology platform enabling digital payments for consumers and merchants. It acts as an electronic alternative to cash, checks, and cards for online/offline purchases, money transfers (P2P), and managing finances through its digital wallet.While we acknowledge the potential of PYPL as an investment, we believe certain AI stocks offer greater upside potential and carry less downside risk. If you're looking for an extremely undervalued AI stock that also stands to benefit significantly from Trump-era tariffs and the onshoring trend, see our free report on the best short-term AI stock.READ NEXT: 14 Best Forever Stocks to Buy According to Hedge Funds and 14 Best Aerospace and Defense Stocks to Buy According to Wall Street Analysts.Disclosure: None. 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