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

To: S. maltophilia who wrote (79022)	1/29/2026 9:24:25 AM
From: Sean Collett	Read Replies (2) \| Respond to of 79147

RE: PYPL I will say I think one needs to look at them beyond just BNPL. While I have criticized them for their BNPL business, an investor should also note they have provided around $30B in capital to businesses via the PPWC and PPBL programs since 2013. The Utah bank charter, if approved, would cut out the middle-man they partnered with and allow them to handle all of this themselves. In theory if they can deploy capital more efficiently then this could be a segment where they can really start growing and would make them a differentiator against the current peer group. Possibly allow a small business access to capital faster than they could get from a bank. Some 80% of the funds they get are eventually transferred out of the PYPL system too which would possibly be able to stay within. There is some innovation possibly happening IMO. Happy investing, Sean