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Strategies & Market Trends : Value Investing
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To: E_K_S who wrote (79026)1/29/2026 12:41:28 PM
From: Sean Collett1 Recommendation

Recommended By
E_K_S

   of 79148
 
RE: PYPL

<< Why use PYPL if you have a credit card. My default for AMZN is now my Credit Card, same w/ Mint Mobile>>

Again, my view is most analysis goes back to individual use, but I think the value is on the merchant side & small business. If they can increase their lending and unlock a path there this allows them a bigger reach than on the individual side.

Most of these smaller companies cannot get the capital they need from banks as it's too costly and covenants restrict. The size of what PYPL has done does indicate that this is a solid path for them and one that they should be able to tap into.

The catalyst in my view is the banking charter as this would open up their ability to lend with ease and cut a middle-man out of the entire process.

I am down about -8.69% on $PYPL since I added it. From a TA standpoint (taboo!) I think a bounce is due so I added a smaller bit today at $53.29/s.

Other note:
I am closing my $HAL today at $34.14/s. I opened that thing on 10/15/2025 at $22.37/s and finish up at 52.59% which isn't bad for 106 days. Much faster than I thought and I try to move in and out quick when market gives me these quick wins. As fast as it comes, it often goes.

I had some $WTI as a side thing and will close that. I was really under on that holding since 10/15 as well and wanted to get out and the recent ME tension gave me a boost so I am taking it. So I will close that one with a loss of -2.81% but am happy to be out. I violated my rule on WTI so will take a small loss here regardless of whatever gains come tomorrow.

I added $DNOW on 1/13/2026 at $13.50/s and that one's up 12% which is nice, but was not expecting that so fast.

$MOH taking some licks on the Medicare news but I am not sure this matters for this one so I am going to take some of the capital and add a bit more. I am currently up 38.83% since I added when Ben brought them up here and think there is still some room to go.

I do have some $TLT as I am taking a contrarian view here on bonds. Price wise though I violated my rule and held passed my normal "sell" threshold but what can ya do? That is more a portfolio "rule" than a violation on my thesis.

I don't see too much that I like right now. I am about 40.4% in cash but that can change tomorrow. Shiller P/E at 41.02 so Mr. Market is feeling good. S&P P/E looks to be around 31.52 giving a yield of ~3.17% meanwhile 10Y T-Bond is 4.24%.

Happy investing,

Sean
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