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Wall Street Cautious on PayPal (PYPL), Stock Down 14.5% Since Q3 2025 Earnings

​PayPal Holdings, Inc. (NASDAQ:PYPL) is one of the Cheap NASDAQ Stocks to Buy Now. PayPal Holdings, Inc. (NASDAQ:PYPL) has declined more than 14.5% since its fiscal Q3 2025 earnings release on October 28. Wall Street maintains a cautious outlook on the stock despite the earnings beat in the latest quarter, mainly due to anticipated weakness in its Branded Checkout total payment volume during the next quarter.

​On December 5, Nate Svensson from Deutsche Bank lowered the firm’s price target on the stock from $75 to $65, while reiterating a Hold rating. Earlier on December 4, Timothy Chiodo from UBS also reiterated a Hold rating on the stock with a $80 price target.

​Analyst Timothy Chiodo of UBS noted that Jamie S. Miller, PayPal’s Chief Financial and Operating Officer, pointed towards a deceleration in the company’s Branded Checkout total payment volume in Q4 2025. This is mainly due to a challenging year-over-year comparison, which the management anticipates fading in Q4, and the ongoing macroeconomic pressures.

​However, regardless of the ongoing pressure, PayPal Holdings, Inc. (NASDAQ:PYPL) raised its full-year guidance during the Q3 2025 earnings release. Management now expects GAAP EPS in the range of $5.11 – $5.15, up from the previous range of $4.90 – $5.05.

​PayPal Holdings, Inc. (NASDAQ:PYPL) is a technology company that provides digital and mobile payment solutions for consumers and merchants through platforms like PayPal, Venmo, and Braintree. It facilitates online and in-person transactions, allowing users to send and receive money and make payments securely without directly sharing their financial information.

While we acknowledge the potential of PYPL to grow, our conviction lies in the belief that some AI stocks hold greater promise for delivering higher returns and have limited downside risk. If you are looking for an AI stock that is more promising than PYPL and that has 100x upside potential, check out our report about this cheapest AI stock.

READ NEXT: 30 Stocks That Should Double in 3 Years and 11 Hidden AI Stocks to Buy Right Now.

Disclosure: None. This article is originally published at Insider Monkey.

The $250 Trillion AI Hype is Real. A few years from now, you’ll probably wish you’d bought this stock.

When Jeff Bezos said that one breakthrough technology would shape Amazon’s destiny, even Wall Street’s biggest analysts were caught off guard.

Fast forward a year and Amazon’s new CEO Andy Jassy described generative AI as a “once-in-a-lifetime” technology that is already being used across Amazon to reinvent customer experiences.

At the 8th Future Investment Initiative conference, Elon Musk predicted that by 2040 there would be at least 10 billion humanoid robots, with each priced between $20,000 and $25,000.

Do the math. According to Musk, this technology could be worth $250 trillion by 2040.

Put another way, that’s roughly equal to:

  • 175 Teslas
  • 107 Amazons
  • 140 Metas
  • 84 Googles
  • 65 Microsofts
  • And 55 Nvidias

And here’s the wild part — this $250 trillion wave isn’t tied to one company, but to an entire ecosystem of AI innovators set to reshape the global economy.

It’s a leap so massive, it could reshape how businesses, governments, and consumers operate worldwide.

Even if that $250 trillion figure sounds ambitious, major firms like PwC and McKinsey still see AI unlocking multi-trillion-dollar potential.

How could anything be worth that much?

The answer lies in a breakthrough so powerful it’s redefining how humanity works, learns, and creates.

And this breakthrough has already set off a frenzy among hedge funds and Wall Street’s top investors.

What most investors don’t realize is that one under-owned company holds the key to this $250 trillion revolution.

In fact, Verge argues this company’s supercheap AI technology should concern rivals.

Before I reveal the details, let’s talk about how some of the richest people on the planet are positioning themselves.

  • Bill Gates sees artificial intelligence as the “biggest technological advance in my lifetime,” more transformative than the internet or personal computer, capable of improving healthcare, education, and addressing climate change.
  • Larry Ellison — through Oracle, is spending billions on Nvidia chips and partnering with Cohere to embed generative AI across Oracle’s cloud and apps.
  • Warren Buffett — not known for tech hype — says this breakthrough could have a ‘hugely beneficial social impact.

When billionaires from Silicon Valley to Wall Street line up behind the same idea — you know it’s worth paying attention to.

Even as we admire what Tesla, Nvidia, Alphabet, and Microsoft have built, we believe an even greater opportunity lies elsewhere…

But the real story isn’t Nvidia — it’s a much smaller company quietly improving the critical technology that makes this entire revolution possible.

And judging by what I’m hearing from both Silicon Valley insiders and Wall Street veterans…

This prediction might not be bold at all:

A few years from now, you’ll wish you’d owned this stock.

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