Okay, so PayPal. Everybody’s got an account, right? It’s…fine. It exists. And for a while there, people were acting like it was going to solve world hunger. The stock went up, then it didn’t. It’s been a whole thing. Honestly, the whole fintech bubble was just… exhausting. Like everyone decided suddenly they were experts in digital transactions. It’s ridiculous.
Look, I get it, companies go up, companies go down. But the way they go down… it’s infuriating. They try to make everything so “user-friendly” and then they bury the important stuff. You click seven times to dispute a charge, but changing your address? One tiny, unlabeled button. One! It’s a conspiracy, I tell you. A conspiracy to make you feel helpless.
And now everyone’s talking about how “cheap” the stock is. Cheap? It’s not about being cheap, it’s about being… functional. It’s about not making me question my life choices every time I try to send my nephew twenty bucks. They’ve got 438 million accounts? Great. How many of those people are actively avoiding using the app? That’s the number you should be looking at.
The Valuation? Please.
They keep saying the valuation is attractive. Attractive to whom? Someone who enjoys throwing money into a void? The P/E ratio is 11? That’s not a bargain, that’s a warning sign. It’s like a store having a “going out of business” sale. You think you’re getting a deal, but you’re probably just buying slightly damaged goods. And they’ve been buying back shares? That’s just rearranging the deck chairs on the Titanic.
They’ve cut the share count by 20%? Fine. But what about the endless stream of emails trying to upsell me things I don’t need? “Exclusive offers!” “Limited-time promotions!” It’s relentless. I just want to send money, not be bombarded with marketing garbage. It’s a basic request, is it too much to ask?
This OpenAI Thing…
PYPL”>
ChatGPT is the eighth most visited website? Fine. Doesn’t mean I want it involved in my financial transactions. Look, I’m not saying PayPal is a terrible company. It’s just… irritating. And if this OpenAI thing actually makes it more irritating, well, then I’m out. I’ll just go back to writing checks. At least with a check, you know where you stand. It’s paper. It’s tangible. It doesn’t require a PhD to understand. Maybe, just maybe, this could actually move the needle. Or it will be another mess. Time will tell. But honestly, I’m not holding my breath.
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2026-01-29 13:52