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Strategies & Market Trends : Value Investing -- Ignore unavailable to you. Want to Upgrade?

To: Elroy who wrote (78850)	1/2/2026 1:14:05 PM
From: Madharry	Read Replies (1) \| Respond to of 79163

I agree with what you are saying, but both Dell and Paypal have niches that they can deploy to improve margins and proftis. They both have brand recognition too. So for me I dont see much risk at 11 time projected earning, and buy backs. and there is chance that they will outperform or come up with new successful products. Michael Dell is a gifted businessman and most people agree that the current Paypal management is significantly improved over the former management If either of these companies move to a market multiple it will be a very nice return.

To: Elroy who wrote (78850)	1/2/2026 1:54:20 PM
From: petal	2 Recommendations Recommended By S. maltophilia sjemmeri Read Replies (2) \| Respond to of 79163

PYPL. I would say that it seems to be rather difficult to displace them. Their profits keep going up year after year. If it were so easy to displace them, someone should have done it by now, it seems to me. Also as a "customer", I have tried to find viable alternatives to PayPal (both when sending and receiving), but have never found any that are even close. All the alternatives that I have found are way more difficult to use, and have still worse exchange rates. It would seem like they would be easy to displace – sorta like it would seem easy to displace Google.com. (What's so difficult, just a search bar and some results, right? ;)) Bing is rather similar, yet people continue to prefer Google. I think that PYPL's main advantages are: * The service is extremely simple to use. * The site/app has a really simple, intuitive layout. * They have reasonable exchange rates (comparatively speaking). * Thy have network effects – pretty massive network effects, actually, I think. (Everyone has PayPal – everyone who does online money transfers, anyway!) * Infrastructure. The underlying tech is probably more advanced than one realizes. Sort of like with Visa, MasterCard and American Express – they have built up their infrastructure during decades; it's probably costly and takes time to build up. And like Madharry said, the new management seems rather able, and they seem to have decent ideas on how to expand the business.