WEBVTT

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<v Speaker 1>PayPal holdings entered the week trading near sixty two United

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<v Speaker 1>States dollars in eighty one cents, marking a noticeable drop

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<v Speaker 1>of almost four percent on Friday, largely in response to

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<v Speaker 1>an analyst at DBS Bank lowering their price target to

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<v Speaker 1>seventy United States dollars while maintaining a hold recommendation. This

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<v Speaker 1>steep dip triggered a trading spike to about twenty one

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<v Speaker 1>point nine million shares exchanged, which is more than seventy

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<v Speaker 1>nine percent higher than average for PayPal, underscoring just how

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<v Speaker 1>quickly sentiment can shift for the company. Still, most forecasts

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<v Speaker 1>suggest the near term price will remain volatile, with some

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<v Speaker 1>models predicting the stock opening in the low sixties and

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<v Speaker 1>longer range analyst targets averaging around eighty two United States

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<v Speaker 1>dollars in the next twelve months, representing upside ranging from

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<v Speaker 1>roughly eighteen percent to nearly thirty percent depending on the

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<v Speaker 1>specific report. High expectations from places like Canichord and RBC

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<v Speaker 1>see targets as high as one hundred five United States

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<v Speaker 1>dollars and ninety one United States dollars, respectively, while cautious

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<v Speaker 1>views persist based on concerns around stagnant account growth and

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<v Speaker 1>lingering economic uncertainty. PayPal reported strong numbers for its most

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<v Speaker 1>recent quarter, beating analyst earnings predictions and increasing full year

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<v Speaker 1>profit guidance. Third quarter results showed revenue grew about seven

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<v Speaker 1>percent year over year to nearly eight point four billion

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<v Speaker 1>United States dollars, with earnings per share above one United

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<v Speaker 1>States dollars and thirty cents, and total payment volume around

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<v Speaker 1>four hundred and fifty nine billion United States dollars also

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<v Speaker 1>up seven to eight percent. Notably, PayPal continues to see

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<v Speaker 1>robust growth in newer areas, such as its Venmo service,

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<v Speaker 1>where revenue rose over twenty percent, with active debit users

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<v Speaker 1>up more than forty percent, and its buy now, pay

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<v Speaker 1>later offerings, where payment volume jumped more than twenty percent. However,

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<v Speaker 1>while branded checkout volumes increased ten percent, overall transactions per

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<v Speaker 1>account dropped by roughly six percent and total active accounts

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<v Speaker 1>saw only about one percent growth, reflecting a deliberate focus

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<v Speaker 1>on more profitable branded transactions. Analyst sentiment is divided, with

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<v Speaker 1>a consensus rating between hold and moderate buy, and much

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<v Speaker 1>debict about whether the company is undervalued or simply facing

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<v Speaker 1>structural challenges tape. Howell's recent decision to initiate a dividend

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<v Speaker 1>of close to one percent is being interpreted as a

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<v Speaker 1>signal of management's confidence in its ongoing cash generation and

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<v Speaker 1>ability to provide shareholder returns complementing continued share repurchases. With

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<v Speaker 1>updated earnings guidance now ranging from five United States dollars

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<v Speaker 1>and thirty five cents to five United States dollars and

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<v Speaker 1>thirty nine cents per share for the full year, investors

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<v Speaker 1>remain watchful for continued execution in PayPal's core segments amid

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<v Speaker 1>a competitive and quickly evolving digital payments landscape.