Fiserv, PayPal expand partnership to advance stablecoin payments
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jun 23 2025
0mins
Should l Buy PYPL?
Partnership Announcement: Fiserv and PayPal are collaborating to enhance interoperability between FIUSD and PayPal USD, enabling seamless fund transfers for consumers and businesses both domestically and internationally.
Expansion of Payment Solutions: The partnership aims to leverage the strengths of both companies to promote the use of stablecoins and programmable payments, focusing on integrating these currencies into various payment flows, including cross-border transactions and merchant solutions.
Trade with 70% Backtested Accuracy
Stop guessing "Should I Buy PYPL?" and start using high-conviction signals backed by rigorous historical data.
Sign up today to access powerful investing tools and make smarter, data-driven decisions.
Analyst Views on PYPL
Wall Street analysts forecast PYPL stock price to rise
29 Analyst Rating
6 Buy
19 Hold
4 Sell
Hold
Current: 49.570
Low
51.00
Averages
72.86
High
100.00
Current: 49.570
Low
51.00
Averages
72.86
High
100.00
About PYPL
PayPal Holdings, Inc. offers a technology platform. The Company’s products are designed to enable digital payments and simplify commerce experiences for consumers and merchants to make selling, shopping, and sending and receiving money simple, personalized, and secure, online or offline, including mobile. It provides consumers with a digital wallet that enables them to send payments to merchants securely using a variety of funding sources, which include a bank account, a PayPal or Venmo account balance, its consumer credit products, a credit card, a debit card, certain cryptocurrencies, or other stored value products. It operates a global, two-sided network at scale that connects consumers and merchants with 434 million active accounts across approximately 200 markets. Its brands include PayPal, Braintree, Venmo, Xoom, Hyperwallet, PayPal Zettle, PayPal Honey, and Paidy. It offers financing products through the PayPal Working Capital (PPWC) and PayPal Business Loan (PPBL).
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Reminder of PayPal Class Action Lawsuit for Investors
- Class Action Notice: Rosen Law Firm reminds investors who purchased PayPal stock between February 8, 2024, and February 2, 2026, to apply as lead plaintiffs by April 20, 2026, to participate in the class action and potentially receive compensation.
- Lawsuit Background: The lawsuit alleges that PayPal intentionally or recklessly misled investors during the Class Period by claiming significant improvements in its branded checkout business, which led to sustainable growth, while in reality, it faced severe execution issues undermining growth potential.
- Law Firm Credentials: Rosen Law Firm specializes in securities class actions and recovered over $438 million for investors in 2019 alone, being ranked No. 1 by ISS Securities Class Action Services in 2017, showcasing its leadership and success in the field.
- Investor Action Recommendations: Investors can visit Rosen Law Firm's website or call the toll-free number for more information, emphasizing the importance of selecting qualified legal counsel to ensure proper representation in the lawsuit and avoid inexperienced intermediaries.
See More
Latest Market Talks: Insights on Cryptocurrency and Homebuying Demand
- Cryptocurrency Market Trends: Recent volatility in the cryptocurrency market has led to increased demand for Bitcoin and Ethereum, indicating a growing investor interest in digital assets that may influence future investment strategies.
- U.S. Homebuying Demand Recovery: As interest rates stabilize, homebuying demand in the U.S. has shown signs of recovery, particularly in major cities, with increased buyer confidence expected to drive a rebound in the real estate market.
- Financial Services Industry Shift: The financial services sector is undergoing a digital transformation, with more companies adopting blockchain technology to enhance transaction efficiency and transparency, a trend that could reshape the industry landscape.
- Market Participant Sentiment: Investor sentiment regarding market prospects is notably divided, with some analysts believing in the long-term potential of cryptocurrencies while others express concerns about the sustainability of the real estate market, reflecting overall market uncertainty.
See More
Investment Trends in the Fintech Sector
- Revenue Growth Highlights: In 2025, five fintech companies including Lemonade, Nu Holdings, Robinhood, SoFi, and Upstart achieved at least 35% year-over-year revenue growth, with two exceeding 50%, indicating strong growth potential in the sector.
- Profitability Improvement: Block expects a 26% adjusted operating margin in 2026, while PayPal generated $5.6 billion in free cash flow on $33.2 billion in revenue in 2025, showcasing the profitability advantage of established fintech players.
- Valuation Attractiveness: PayPal's stock currently trades 84% below its historical peak, with a forward price-to-earnings ratio of 9.1, highlighting its appeal as an investment opportunity amid market fluctuations.
- Diversity in Investment Strategy: When selecting stocks, investors should consider various factors such as growth, profitability, and valuation to develop a strategy that aligns with their individual investment philosophy, thereby maximizing returns in the fintech space.
See More
Analyzing Investment Trajectories of PayPal and Palantir
- PayPal's Stock Performance: Over the past five years, PayPal's stock has plummeted by 80%, indicating a trend of slowing growth, although its market cap remains at $46 billion, reflecting market caution regarding its future growth prospects.
- Thiel's Investment Returns: Peter Thiel's initial investment in PayPal was approximately $100,000, and he sold his 3.7% stake for $55 million after eBay's acquisition, showcasing a significant return despite not retaining a larger stake.
- Palantir's Growth Potential: Analysts project Palantir's revenue and EPS to grow at CAGRs of 49% and 54% from 2025 to 2028, driven by strong demand in government contracts and enterprise clients, making it one of the fastest-growing tech stocks in the market.
- Investor Choices: While PayPal's stock appears cheap, its sluggish growth leads investors to focus more on Palantir's potential, suggesting retail investors should follow Thiel's lead and prioritize Palantir's long-term investment value.
See More
Michael Burry Reenters Software Stocks Amid Sell-Off
- Opportunity Identification: Renowned investor Michael Burry stated in his Wednesday Substack post that the recent sell-off in software stocks was primarily driven by technical factors rather than deteriorating fundamentals, viewing the current situation as a buying opportunity.
- Market Reaction Analysis: Burry noted a 'reflexive positive feedback loop' between falling equity prices and stress in bank debt related to software companies, which accelerated the declines, and he expects these technical pressures will not affect these stocks for much longer.
- Position Dynamics: Burry disclosed that he opened a roughly 3.5% position in PayPal while maintaining holdings in Fiserv, Adobe, Autodesk, and Veeva Systems, and he plans to add positions in Salesforce and MSCI on Thursday.
- Industry Outlook Assessment: Although fears mount that artificial intelligence could disrupt business models in the software industry, Burry believes that the companies he selected will not be severely affected, expressing optimism about their investment potential after thorough forensic, competitive, and fundamental analysis.
See More
Amazon's Rapid Valuation Expansion
- Rapid Valuation Growth: Amazon's stock price surged from approximately $199 to $243, illustrating how mega-cap multiple expansion can quickly reshape market valuations, reflecting strong investor confidence in its future growth potential.
- Positive Market Reaction: This price movement not only enhances Amazon's market capitalization but may also attract more investor attention to its stock, further driving price increases and creating a positive feedback loop.
- Emerging Investment Opportunities: As Amazon's valuation rises, market analysts are beginning to identify potential 'buying opportunities,' which could lead to increased capital inflow into the company, strengthening its competitive edge in the e-commerce sector.
- Long-term Growth Expectations: The rapid increase in Amazon's stock price signals optimistic market expectations for its future performance, potentially influencing the performance of other tech stocks and driving overall industry valuation increases.
See More
Reminder of PayPal Class Action Lawsuit for Investors
- Class Action Notice: Rosen Law Firm reminds investors who purchased PayPal stock between February 8, 2024, and February 2, 2026, to apply as lead plaintiffs by April 20, 2026, to participate in the class action and potentially receive compensation.
- Lawsuit Background: The lawsuit alleges that PayPal intentionally or recklessly misled investors during the Class Period by claiming significant improvements in its branded checkout business, which led to sustainable growth, while in reality, it faced severe execution issues undermining growth potential.
- Law Firm Credentials: Rosen Law Firm specializes in securities class actions and recovered over $438 million for investors in 2019 alone, being ranked No. 1 by ISS Securities Class Action Services in 2017, showcasing its leadership and success in the field.
- Investor Action Recommendations: Investors can visit Rosen Law Firm's website or call the toll-free number for more information, emphasizing the importance of selecting qualified legal counsel to ensure proper representation in the lawsuit and avoid inexperienced intermediaries.
See More
Latest Market Talks: Insights on Cryptocurrency and Homebuying Demand
- Cryptocurrency Market Trends: Recent volatility in the cryptocurrency market has led to increased demand for Bitcoin and Ethereum, indicating a growing investor interest in digital assets that may influence future investment strategies.
- U.S. Homebuying Demand Recovery: As interest rates stabilize, homebuying demand in the U.S. has shown signs of recovery, particularly in major cities, with increased buyer confidence expected to drive a rebound in the real estate market.
- Financial Services Industry Shift: The financial services sector is undergoing a digital transformation, with more companies adopting blockchain technology to enhance transaction efficiency and transparency, a trend that could reshape the industry landscape.
- Market Participant Sentiment: Investor sentiment regarding market prospects is notably divided, with some analysts believing in the long-term potential of cryptocurrencies while others express concerns about the sustainability of the real estate market, reflecting overall market uncertainty.
See More
Investment Trends in the Fintech Sector
- Revenue Growth Highlights: In 2025, five fintech companies including Lemonade, Nu Holdings, Robinhood, SoFi, and Upstart achieved at least 35% year-over-year revenue growth, with two exceeding 50%, indicating strong growth potential in the sector.
- Profitability Improvement: Block expects a 26% adjusted operating margin in 2026, while PayPal generated $5.6 billion in free cash flow on $33.2 billion in revenue in 2025, showcasing the profitability advantage of established fintech players.
- Valuation Attractiveness: PayPal's stock currently trades 84% below its historical peak, with a forward price-to-earnings ratio of 9.1, highlighting its appeal as an investment opportunity amid market fluctuations.
- Diversity in Investment Strategy: When selecting stocks, investors should consider various factors such as growth, profitability, and valuation to develop a strategy that aligns with their individual investment philosophy, thereby maximizing returns in the fintech space.
See More
Analyzing Investment Trajectories of PayPal and Palantir
- PayPal's Stock Performance: Over the past five years, PayPal's stock has plummeted by 80%, indicating a trend of slowing growth, although its market cap remains at $46 billion, reflecting market caution regarding its future growth prospects.
- Thiel's Investment Returns: Peter Thiel's initial investment in PayPal was approximately $100,000, and he sold his 3.7% stake for $55 million after eBay's acquisition, showcasing a significant return despite not retaining a larger stake.
- Palantir's Growth Potential: Analysts project Palantir's revenue and EPS to grow at CAGRs of 49% and 54% from 2025 to 2028, driven by strong demand in government contracts and enterprise clients, making it one of the fastest-growing tech stocks in the market.
- Investor Choices: While PayPal's stock appears cheap, its sluggish growth leads investors to focus more on Palantir's potential, suggesting retail investors should follow Thiel's lead and prioritize Palantir's long-term investment value.
See More
Michael Burry Reenters Software Stocks Amid Sell-Off
- Opportunity Identification: Renowned investor Michael Burry stated in his Wednesday Substack post that the recent sell-off in software stocks was primarily driven by technical factors rather than deteriorating fundamentals, viewing the current situation as a buying opportunity.
- Market Reaction Analysis: Burry noted a 'reflexive positive feedback loop' between falling equity prices and stress in bank debt related to software companies, which accelerated the declines, and he expects these technical pressures will not affect these stocks for much longer.
- Position Dynamics: Burry disclosed that he opened a roughly 3.5% position in PayPal while maintaining holdings in Fiserv, Adobe, Autodesk, and Veeva Systems, and he plans to add positions in Salesforce and MSCI on Thursday.
- Industry Outlook Assessment: Although fears mount that artificial intelligence could disrupt business models in the software industry, Burry believes that the companies he selected will not be severely affected, expressing optimism about their investment potential after thorough forensic, competitive, and fundamental analysis.
See More
Amazon's Rapid Valuation Expansion
- Rapid Valuation Growth: Amazon's stock price surged from approximately $199 to $243, illustrating how mega-cap multiple expansion can quickly reshape market valuations, reflecting strong investor confidence in its future growth potential.
- Positive Market Reaction: This price movement not only enhances Amazon's market capitalization but may also attract more investor attention to its stock, further driving price increases and creating a positive feedback loop.
- Emerging Investment Opportunities: As Amazon's valuation rises, market analysts are beginning to identify potential 'buying opportunities,' which could lead to increased capital inflow into the company, strengthening its competitive edge in the e-commerce sector.
- Long-term Growth Expectations: The rapid increase in Amazon's stock price signals optimistic market expectations for its future performance, potentially influencing the performance of other tech stocks and driving overall industry valuation increases.
See More
