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PayPal Holdings, Inc. Common Stock

PYPL

PYPL: PayPal was spun off from eBay in 2015 and provides electronic payment solutions to merchants and consumers, with a focus on online transactions. The company had 435 million active accounts at the end of 2022. The company also owns Venmo, a person-to-person payment platform.

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Our Analysis

Recent trades of PYPL by members of U.S. Congress

Politician Type Traded
Daniel Goldman House / D Sale $1,001 - $15,000 Jul. 12, 2023
Tuberville, Tommy Senate / R Sale (Partial) $50,001 - $100,000 May. 23, 2023
Tuberville, Tommy Senate / R Sale (Partial) $15,001 - $50,000 May. 23, 2023
Tuberville, Tommy Senate / R Sale (Partial) $1,001 - $15,000 May. 23, 2023
Tuberville, Tommy Senate / R Sale (Partial) $15,001 - $50,000 May. 23, 2023
Tuberville, Tommy Senate / R Sale (Partial) $100,001 - $250,000 May. 23, 2023
Josh Gottheimer House / D Sale $1,001 - $15,000 May. 12, 2023
Tuberville, Tommy Senate / R Purchase $250,001 - $500,000 May. 11, 2023
Earl Blumenauer House / D Purchase $1,001 - $15,000 May. 10, 2023
Tuberville, Tommy Senate / R Purchase $250,001 - $500,000 May. 10, 2023
Carper, Thomas R. Senate / D Sale (Full) $1,001 - $15,000 May. 09, 2023
Kathy Manning House / D Purchase $1,001 - $15,000 Apr. 28, 2023
Kathy Manning House / D Purchase $1,001 - $15,000 Apr. 28, 2023
Josh Gottheimer House / D Sale $1,001 - $15,000 Mar. 16, 2023
Josh Gottheimer House / D Purchase $1,001 - $15,000 Feb. 03, 2023
Nancy Pelosi House / D Sale $250,001 - $500,000 Dec. 28, 2022
Nancy Pelosi House / D Sale $250,001 - $500,000 Dec. 21, 2022
Tuberville, Tommy Senate / R Sale (Partial) $1,001 - $15,000 Dec. 09, 2022
Tuberville, Tommy Senate / R Sale (Partial) $50,001 - $100,000 Dec. 09, 2022
Tuberville, Tommy Senate / R Sale (Partial) $1,001 - $15,000 Dec. 09, 2022
Tuberville, Tommy Senate / R Sale (Partial) $1,001 - $15,000 Dec. 09, 2022
Tuberville, Tommy Senate / R Sale (Partial) $15,001 - $50,000 Dec. 09, 2022
Tuberville, Tommy Senate / R Sale (Full) $100,001 - $250,000 Dec. 09, 2022
Tuberville, Tommy Senate / R Sale (Partial) $100,001 - $250,000 Dec. 09, 2022
Tuberville, Tommy Senate / R Purchase $15,001 - $50,000 Dec. 08, 2022
Tuberville, Tommy Senate / R Purchase $250,001 - $500,000 Dec. 05, 2022
Sullivan, Dan Senate / R Sale (Full) $1,001 - $15,000 Nov. 30, 2022
Wyden, Ron Senate / D Sale (Full) $100,001 - $250,000 Nov. 11, 2022
Cindy Axne House / D Sale $1,001 - $15,000 Nov. 09, 2022
Cindy Axne House / D Sale $1,001 - $15,000 Nov. 09, 2022
Cindy Axne House / D Sale $1,001 - $15,000 Nov. 09, 2022
Tuberville, Tommy Senate / R Sale (Full) $1,001 - $15,000 Nov. 08, 2022
Tuberville, Tommy Senate / R Sale (Full) $50,001 - $100,000 Nov. 08, 2022
Tuberville, Tommy Senate / R Sale (Full) $1,001 - $15,000 Nov. 08, 2022
Tuberville, Tommy Senate / R Sale (Partial) $100,001 - $250,000 Nov. 08, 2022
Tuberville, Tommy Senate / R Purchase $100,001 - $250,000 Nov. 07, 2022
James R. Langevin House / D Sale $1,001 - $15,000 Oct. 17, 2022
James R. Langevin House / D Sale $1,001 - $15,000 Sep. 15, 2022
Tuberville, Tommy Senate / R Sale (Full) $15,001 - $50,000 Aug. 03, 2022
Kathy Manning House / D Purchase $1,001 - $15,000 Jul. 27, 2022
Kathy Manning House / D Purchase $1,001 - $15,000 Jul. 27, 2022
Kathy Manning House / D Purchase $1,001 - $15,000 Jul. 27, 2022
Tuberville, Tommy Senate / R Purchase $50,001 - $100,000 Jun. 29, 2022
Tuberville, Tommy Senate / R Purchase $100,001 - $250,000 Jun. 17, 2022
Tuberville, Tommy Senate / R Purchase $1,001 - $15,000 Jun. 16, 2022
Tuberville, Tommy Senate / R Purchase $50,001 - $100,000 Jun. 15, 2022
Tuberville, Tommy Senate / R Sale (Full) $50,001 - $100,000 Jun. 15, 2022
Tuberville, Tommy Senate / R Purchase $50,001 - $100,000 May. 20, 2022
Tuberville, Tommy Senate / R Purchase $250,001 - $500,000 May. 19, 2022
Thomas Suozzi House / D Sale $15,001 - $50,000 May. 05, 2022

Recently reported changes by institutional investors

Quarterly net insider trading by PYPL's directors and management

Government lobbying spending instances

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U.S. Patents

New patents grants

  • Patent Title: Detection of sensitive database information Sep. 26, 2023
  • Patent Title: Systems and methods for malicious client detection through property analysis Sep. 26, 2023
  • Patent Title: Systems and methods facilitating chargebacks in electronic transactions Sep. 19, 2023
  • Patent Title: Transitioning of devices from their primary function to providing security system functionality Sep. 19, 2023
  • Patent Title: Tagging objects in augmented reality to track object data Sep. 19, 2023
  • Patent Title: Shared prediction engine for machine learning model deployment Sep. 19, 2023
  • Patent Title: Point of sale system and method for contactless payment Sep. 19, 2023
  • Patent Title: Techniques for data log processing, retention, and storage Sep. 19, 2023
  • Patent Title: Detection of fraudulent displayable code data during device capture Sep. 19, 2023
  • Patent Title: Dynamically linking machine-readable codes to digital accounts for loading of application data Sep. 12, 2023
  • Patent Title: System and method for implementing hacker traffic barriers Sep. 12, 2023
  • Patent Title: Edge cloud caching using real-time customer journey insights Sep. 12, 2023
  • Patent Title: Sdk for dynamic workflow rendering on mobile devices Sep. 12, 2023
  • Patent Title: Mid-tier messaging system Sep. 12, 2023
  • Patent Title: Challenge interceptor Sep. 12, 2023
  • Patent Title: Binning for nonlinear modeling Sep. 12, 2023
  • Patent Title: Customized data scanning in a heterogeneous data storage environment Sep. 12, 2023
  • Patent Title: Detecting leakage of personal information in computing code configurations Sep. 12, 2023
  • Patent Title: Authentication based on object recognition Sep. 12, 2023
  • Patent Title: Payment using unique product identifier codes Sep. 05, 2023
  • Patent Title: Automated presentation of entertaining content during detected wait times Sep. 05, 2023
  • Patent Title: System and method for application release orchestration and deployment Sep. 05, 2023
  • Patent Title: Parent level token issuance for asynchronous data processing based on device trust levels Sep. 05, 2023
  • Patent Title: Ultra-fast install of computer system software Sep. 05, 2023
  • Patent Title: Rule testing framework for executable rules of a service provider system Sep. 05, 2023
  • Patent Title: Using augmented reality for electronic commerce transactions Sep. 05, 2023
  • Patent Title: Using ephemeral url passwords to deter high-volume attacks Sep. 05, 2023
  • Patent Title: Application data displayed through a selectable application icon Sep. 05, 2023
  • Patent Title: Delivery confirmation using a wireless beacon Aug. 29, 2023
  • Patent Title: Determining processing weights of rule variables for rule processing optimization Aug. 29, 2023
  • Patent Title: Method and apparatus for transferring the state of content using short codes Aug. 29, 2023
  • Patent Title: Systems and methods for determining a response to a user query Aug. 29, 2023
  • Patent Title: Data structure management system Aug. 29, 2023
  • Patent Title: Statistics-aware sub-graph query engine Aug. 22, 2023
  • Patent Title: Machine learning module training using input reconstruction techniques and unlabeled transactions Aug. 22, 2023
  • Patent Title: Transactions between services in a multi-tenant architecture Aug. 22, 2023
  • Patent Title: Physical card enabling utilization based on location Aug. 22, 2023
  • Patent Title: System and method for simplified checkout Aug. 22, 2023
  • Patent Title: Rapid online variable sourcing infrastructure (rovs) for decision systems Aug. 15, 2023
  • Patent Title: On-line savings account Aug. 15, 2023
  • Patent Title: Systems and methods for managing electronic transactions Aug. 15, 2023
  • Patent Title: Automatic synchronization of a device for transaction processing based on geo-fenced locations Aug. 15, 2023
  • Patent Title: Carbon neutral blockchain protocol for resolving carbon offsetter payments for cryptocurrency transactions Aug. 15, 2023
  • Patent Title: Merchant action recommendation system Aug. 08, 2023
  • Patent Title: Detecting webpages that share malicious content Aug. 08, 2023
  • Patent Title: Methods and systems for wallet enrollment Aug. 08, 2023
  • Patent Title: Communication channel merging system Aug. 08, 2023
  • Patent Title: Optimized multiple digital wallet presentation Aug. 08, 2023
  • Patent Title: Trusted remote attestation agent (traa) Aug. 08, 2023
  • Patent Title: Secure identity verification marketplace using hashed data and forward hashing search functions Aug. 08, 2023
Government Contracts

Federal grants, loans, and purchases

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WallStreetBets

Number of mentions of PYPL in WallStreetBets Daily Discussion

PYPL News

Recent insights relating to PYPL

CNBC Recommendations

Recent picks made for PYPL stock on CNBC

Top ETF Holders

ETFs with the largest estimated holdings in PYPL

Corporate Flights

Flights by private jets registered to PYPL

Quiver LogoOur Analysis
Posted: 4 months, 2 weeks ago // May 19, 2023 1:12 p.m. UTC
Lawmakers are Dumping this Stock Ahead of the FedNow Launch

This year, several U.S. lawmakers, including Nancy Pelosi, Tommy Tuberville, Michael McCaul, Diana Harshbarger, Josh Gottheimer, and Ro Khanna, have divested either their entire or partial positions in PayPal stock. Curiously, PayPal shares are currently trading at their lowest levels since 2017, despite the company's doubled annual revenue since then. This raises questions about why lawmakers are eager to sell their PayPal stock at near record lows. Coincidentally, the Federal Reserve is making strides in launching FedNow, its instant bank transfer service. This article explores the potential implications of these events.

The FedNow Initiative

The Federal Reserve has been diligently working on introducing its new instant bank transfer service called FedNow, set to go live as early as next month. Despite the Federal Reserve's assurances that FedNow is not meant to replace popular money transfer options like Venmo, Cash App, Square, or PayPal, some observations cast doubt on this claim.

Comparing Transaction Costs

On average, payment processors like Venmo and PayPal charge businesses around 3% per transaction. However, the transaction cost for FedNow is significantly lower, at 4.5 cents. This presents a substantial opportunity for businesses and customers to save billions of dollars annually. Even when compared to the most affordable options available today, such as Visa and Mastercard, whose average processing fee is approximately $0.15, FedNow's transaction cost is three times lower.

Potential Implications

While the CEOs of PayPal and other payment processors have downplayed the potential risk posed by FedNow, recent months have witnessed these executives selling millions in shares. It is important to note that this does not imply an immediate disappearance of these companies, but it does raise questions about their future performance.

Observing the Market

With the imminent launch of FedNow next month, it becomes crucial to closely monitor the actions of lawmakers and executives involved in the payment processing industry. Their selling of significant amounts of shares, coupled with companies trading at high price-to-earnings ratios, suggests a need for vigilance.

Conclusion

The divestment of PayPal stock by U.S. lawmakers, along with the upcoming launch of FedNow, raises interesting questions about the future of payment processors. The significantly lower transaction costs associated with FedNow compared to established options like PayPal suggest potential changes in the payment landscape. While it is essential to monitor the situation closely, it is important to note that the impact of FedNow on existing companies may not be immediate or dramatic. Nonetheless, the evolving dynamics warrant attention from both investors and industry observers.

Disclaimer: The views expressed in this article are solely those of the author and should not be construed as financial or investment advice. It is recommended to conduct thorough research and consult with a professional financial advisor before making any investment decisions

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