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<v Speaker 1>PayPal Holdings is trading this morning at about seventy five

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<v Speaker 1>United States dollars and seventy five cents, slightly lower than

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<v Speaker 1>the previous plos but showing remarkable resilience over the course

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<v Speaker 1>of the past week. Trading volume has been somewhat light lately,

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<v Speaker 1>with around five million shares exchanged compared to an average

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<v Speaker 1>of ten million shares, which suggests some cooling off after

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<v Speaker 1>an earlier rally. This rally was fueled by a string

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<v Speaker 1>of announcements, including a time limited five per cent cash

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<v Speaker 1>back program for PayPal's buy now, Pay Later service, as

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<v Speaker 1>well as the launch of PayPal Ads Manager, a new

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<v Speaker 1>advertising solution aimed at helping small businesses monetize their customer

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<v Speaker 1>networks and generate additional revenue. Investors cheered these moves, especially

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<v Speaker 1>as competition in digital payments heats up during the critical

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<v Speaker 1>holiday shopping period. Heading into the final quarter of the year,

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<v Speaker 1>Analysts remain moderately optimistic. The consensus twelve month price target

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<v Speaker 1>is about eighty four United States dollars and eighty six cents,

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<v Speaker 1>with the highest targets set at one hundred five United

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<v Speaker 1>States dollars and the lowest at sixty two United States dollars.

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<v Speaker 1>The average price target suggests about twelve percent upside from

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<v Speaker 1>today's level. Wall Street sentiment is mixed to positive, with

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<v Speaker 1>major firms including j P Morden, k b W, and

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<v Speaker 1>Citizens j p B recently reiterating by ratings, though others

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<v Speaker 1>such as Wolf Research and Bernstein have maintained caution and

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<v Speaker 1>downgraded or reiterated whole ratings. On the financial side, PayPal

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<v Speaker 1>remains a cash generating business, posting revenue of thirty two billion,

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<v Speaker 1>two hundred ninety million United States dollars over the trailing

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<v Speaker 1>twelve months, with met income near four billion, six hundred

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<v Speaker 1>eighty million United States dollars. The company trades at a

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<v Speaker 1>relatively modest forward price to earnings ratio of about fourteen,

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<v Speaker 1>and its profit margins remain competitive in the space. Institutional

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<v Speaker 1>activity has been active, too, with some large funds trimming

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<v Speaker 1>their Apal positions over recent quarters even as others have added.

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<v Speaker 1>In summary, PayPal has managed to reignite investor interest with

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<v Speaker 1>targeted promotions and new product launches. While competition in digital

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<v Speaker 1>payments is intense and trading volume has slowed somewhat after

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<v Speaker 1>recent excitement, the stock remains in favor with many analysts,

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<v Speaker 1>supported by solid fundamentals and a measured path for future growth.