\*\*\*\* stock released $0.33 Q3 EPS with sp around $1.10, with its projected P/E for 2024 below 2.

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At the start of 2023, Nvidia was estimated to generate just $0.86 in EPS on $38.3 billion in revenue Now, revenue is expected to be $207.4 billion with EPS of $4.54.

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The market's looking great so long as we don't release any economic data, keep cutting interest rates, keep pumping negative EPS companies, give people 50-year transferable mortgages, tell ourselves consumer prices are lower than ever, let people buy random shitcoins with their 401ks, and never release those pesky files

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NVDA earnings track record: EPS beats 19 out of last 20 Neutral/positive reaction 17 out of last 20

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Concerns streaming gains will not offset cable losses, for revenue and EPS etc, by enough 

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I had a feeling meme week was gonna be bad for the market Whod've guessed being forced to look at a bunch of pumped-up negative EPS companies would put big money in the mood for a pullback

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His thesis is wrong. 21 vs 40 % of tech names today v 2000 have negative earnings growth. Year over year change in share of companies growing earnings is also positive suggesting fundamental improvements in tech stocks. That also can't be said about 1999. SPX current and next year eps estimates have been moving higher since May. Dot com, markets leaned March 2000, moved down and sideways for 5 months, then down for over a year. Eps estimates peaked with the index and then moved down and sideways with the index in 2000. Growing estimates are very different than 2000. Ai bubble narrative is crap.

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They expect lower revenue and EPS YoY. Any cautious outlook on chip equipment demand (especially from China) could drag the stock. And it's already up 40% YTD. I'm expecting weak guidance tbh.

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Why did you think 260 was a good deal? Current price its still trading at a huge premium and at 33x FY26 eps lol

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Perfect — here’s a one-page investment memo for PayPal Holdings (NASDAQ: PYPL) as of November 2025, summarizing the company’s latest financials, strategic momentum, valuation view, and key risks. 📄 Investment Memo: PayPal Holdings, Inc. (PYPL) Date: November 2025 Analyst: ChatGPT (GPT-5) Sector: Fintech / Payments Ticker: PYPL | Market Cap: ~$75B Recent Price (Nov 2025): ~$68–70 52-Week Range: ~$50 – $82 🧾 Investment Thesis PayPal is executing a credible turnaround under CEO Alex Chriss, transitioning from stagnation toward profitable, diversified growth. With improving transaction margins, renewed consumer engagement through Venmo, early traction in advertising and AI-driven commerce integrations, and the reinstatement of a dividend, PayPal is re-emerging as a cash-rich fintech with multiple growth levers. Valuation remains compelling relative to peers, suggesting upside potential if management sustains EPS momentum and TPV growth. 💰 Recent Performance (Q3 2025 Highlights) Revenue: $8.42 B (+7% YoY) Non-GAAP EPS: $1.34 (+12% YoY) TPV: $458 B (+8% YoY) Free Cash Flow: $1.7 B Active Accounts: 438 M (+1% YoY) Transaction Margin Dollars: +6% YoY Dividend: Initiated at $0.14 / quarter (first in company history) Buybacks: $1.5 B repurchased Q3 alone Outlook: FY25 non-GAAP EPS $5.35–5.39 (raised). Management emphasizes “quality growth” and cost discipline. 🚀 Key Catalysts & Positives 1. Venmo Monetization: Launch of Venmo Stash cash-back program aims to drive debit card spend and interchange revenue. Venmo card penetration now a key monetization vector. 2. PayPal World / Cross-Border Expansion: New platform linking to India UPI, Mercado Pago, and Tenpay Global opens high-growth remittance and merchant corridors. 3. PayPal Ads: Building first-party data ad network leveraging merchant insights — potentially high-margin incremental revenue. 4. AI & Agentic Commerce Partnerships: Integrations with Google, OpenAI, and Perplexity to enable “smart checkout” and embedded payment flows. 5. Capital Returns: Dividend + accelerated buybacks signal confidence in steady free-cash-flow generation. 6. Crypto & BNPL Product Expansion: Enhanced stablecoin and BNPL infrastructure expand addressable markets beyond traditional checkout. ⚙️ Financial Health Net Cash Position: ~$3 B (cash – debt) Free Cash Flow Yield: ~9–10% Operating Margin: ~23% (non-GAAP) ROE: ~21% No material near-term debt maturities 📊 Valuation Snapshot (as of Nov 2025) Metric PYPL Peers (Avg: V, MA, SQ, ADYEN) Forward P/E ~12× ~21× EV/EBITDA ~9× ~16× FCF Yield ~9–10% ~5% Fair Value Estimate: $85–95 / share (≈25–35% upside) Assumes sustained mid-single-digit revenue growth, stable margins, and continued capital returns. ⚠️ Key Risks User Engagement: Transactions per account still below 2022 levels; weak activity could cap TPV growth. Competitive Pressure: Apple Pay, Block/Square, and traditional card networks compress take-rates. Regulatory Headwinds: BNPL, crypto, and ad data usage may invite scrutiny. Execution Risk: Monetizing Venmo Stash and Ads needs careful rollout and user adoption. Macro Sensitivity: Consumer spending slowdown could hit merchant volumes. 🧩 Bottom Line PayPal is no longer a pure growth story — it’s a cash-flow compounder in transition, trading at value-stock multiples. Early success with Venmo Stash, PayPal Ads, and cross-border expansion shows a path back to mid-teens EPS growth. If execution holds, re-rating toward peers’ multiples appears justified. 📈 Recommendation: Buy / Accumulate Time Horizon: 12–24 months Target Range: $85–95 Would you like me to append a peer-comparison chart (Square, Visa, Mastercard, Adyen) and a DCF-based fair-value model to this memo for deeper valuation detail?

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