{"id":578072,"date":"2026-07-10T04:27:40","date_gmt":"2026-07-10T04:27:40","guid":{"rendered":"https:\/\/www.europesays.com\/ie\/578072\/"},"modified":"2026-07-10T04:27:40","modified_gmt":"2026-07-10T04:27:40","slug":"paypal-pypl-is-making-bnpl-a-bigger-part-of-checkout-growth","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/ie\/578072\/","title":{"rendered":"PayPal (PYPL) Is Making BNPL A Bigger Part Of Checkout Growth"},"content":{"rendered":"\n<p class=\"text text-block paragraph text-left neo-font-paragraph-xl-reg  yf-18d6y07\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\"><a href=\"https:\/\/simplywall.st\/features\/portfolio?utm_medium=finance_user&amp;utm_campaign=updates_head_cta&amp;utm_source=yahoo&amp;blueprint=4653004\" data-ylk=\"slk:Never%20miss%20an%20important%20update%20on%20your%20stock%20portfolio;elm:context_link;itc:0;sec:content-canvas;source:content-canvas%20default\" data-yga=\"{&quot;yLinkText&quot;:&quot;Never miss an important update on your stock portfolio&quot;,&quot;yLinkElement&quot;:&quot;context_link&quot;,&quot;yModuleName&quot;:&quot;content-canvas&quot;,&quot;yTrafficOrigin&quot;:&quot;content-canvas default&quot;}\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Never miss an important update on your stock portfolio<\/a> and cut through the noise. Over 7 million investors trust Simply Wall St to stay informed where it matters for FREE.  <\/p>\n<ul class=\"yf-1jsc1up\">\n<li class=\"yf-1jsc1up\">\n<p class=\"text text-block paragraph text-left neo-font-paragraph-xl-reg  yf-18d6y07\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\">PayPal Holdings (NasdaqGS:PYPL) is increasing its focus on buy now, pay later, making it a key part of its branded checkout offering.  <\/p>\n<\/li>\n<li class=\"yf-1jsc1up\">\n<p class=\"text text-block paragraph text-left neo-font-paragraph-xl-reg  yf-18d6y07\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\">The company aims to use BNPL to attract new customers and help merchants lift basket sizes.  <\/p>\n<\/li>\n<li class=\"yf-1jsc1up\">\n<p class=\"text text-block paragraph text-left neo-font-paragraph-xl-reg  yf-18d6y07\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\">This shift comes as BNPL usage continues to change and remains an underpenetrated part of PayPal&#8217;s broader payments platform.  <\/p>\n<\/li>\n<\/ul>\n<p class=\"text text-block paragraph text-left neo-font-paragraph-xl-reg  yf-18d6y07\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\">For investors tracking PayPal Holdings, the renewed push into BNPL comes with the stock at $45.65 and recent short term gains, up 3.6% over the past week and 10.6% over the past month. Those moves sit against a weaker backdrop, with the share price down 21.5% year to date and lower over 1, 3 and 5 year periods. This context illustrates how the market has been reassessing the company.  <\/p>\n<p class=\"text text-block paragraph text-left neo-font-paragraph-xl-reg  yf-18d6y07\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\">BNPL is now being treated as a core tool for PayPal to draw in more users and deepen its role at checkout, which may affect how the business develops from here. As the BNPL sector continues to evolve, investors will be watching how PayPal&#8217;s focus in this area relates to user engagement for both consumers and merchants.  <\/p>\n<p class=\"text text-block paragraph text-left neo-font-paragraph-xl-reg  yf-18d6y07\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\">Stay updated on the most important news stories for <a href=\"https:\/\/www.simplywall.st\/\/company\/id\/8c96d3ee-d50d-46e3-8861-cdc90ff05005\/valuation?utm_medium=finance_user&amp;utm_campaign=news_stay_updated_cta&amp;utm_source=yahoo\" data-ylk=\"slk:PayPal%20Holdings;elm:context_link;itc:0;sec:content-canvas;source:content-canvas%20default\" data-yga=\"{&quot;yLinkText&quot;:&quot;PayPal Holdings&quot;,&quot;yLinkElement&quot;:&quot;context_link&quot;,&quot;yModuleName&quot;:&quot;content-canvas&quot;,&quot;yTrafficOrigin&quot;:&quot;content-canvas default&quot;}\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">PayPal Holdings<\/a> by adding it to your <a href=\"https:\/\/simplywall.st\/features\/stock-watchlist?utm_medium=finance_user&amp;utm_campaign=news_stay_updated_cta&amp;utm_source=yahoo&amp;blueprint=4653004\" data-ylk=\"slk:watchlist;elm:context_link;itc:0;sec:content-canvas;source:content-canvas%20default\" data-yga=\"{&quot;yLinkText&quot;:&quot;watchlist&quot;,&quot;yLinkElement&quot;:&quot;context_link&quot;,&quot;yModuleName&quot;:&quot;content-canvas&quot;,&quot;yTrafficOrigin&quot;:&quot;content-canvas default&quot;}\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">watchlist<\/a> or <a href=\"https:\/\/simplywall.st\/features\/portfolio?utm_medium=finance_user&amp;utm_campaign=news_stay_updated_cta&amp;utm_source=yahoo&amp;blueprint=4653004\" data-ylk=\"slk:portfolio;elm:context_link;itc:0;sec:content-canvas;source:content-canvas%20default\" data-yga=\"{&quot;yLinkText&quot;:&quot;portfolio&quot;,&quot;yLinkElement&quot;:&quot;context_link&quot;,&quot;yModuleName&quot;:&quot;content-canvas&quot;,&quot;yTrafficOrigin&quot;:&quot;content-canvas default&quot;}\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">portfolio<\/a>. Alternatively, explore our <a href=\"https:\/\/simplywall.st\/stock\/NasdaqGS\/PYPL?utm_medium=finance_user&amp;utm_campaign=news_stay_updated_cta&amp;utm_source=yahoo&amp;blueprint=4653004\" data-ylk=\"slk:Community;elm:context_link;itc:0;sec:content-canvas;source:content-canvas%20default\" data-yga=\"{&quot;yLinkText&quot;:&quot;Community&quot;,&quot;yLinkElement&quot;:&quot;context_link&quot;,&quot;yModuleName&quot;:&quot;content-canvas&quot;,&quot;yTrafficOrigin&quot;:&quot;content-canvas default&quot;}\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Community<\/a> to discover new perspectives on PayPal Holdings.  <\/p>\n<p>    <a href=\"https:\/\/www.simplywall.st\/company\/id\/8c96d3ee-d50d-46e3-8861-cdc90ff05005?utm_medium=finance_user&amp;utm_campaign=infographic&amp;utm_source=yahoo\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"><img loading=\"lazy\" decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/ywAAAAAAQABAAACAUwAOw==\" alt=\"NasdaqGS:PYPL Earnings &amp; Revenue Growth as at Jul 2026\" height=\"613\" width=\"960\" class=\"yf-lglytj loader\"\/><\/a> NasdaqGS:PYPL Earnings &amp; Revenue Growth as at Jul 2026           <\/p>\n<p class=\"text text-block paragraph text-left neo-font-paragraph-xl-reg  yf-18d6y07\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\"><a href=\"https:\/\/www.simplywall.st\/company\/id\/8c96d3ee-d50d-46e3-8861-cdc90ff05005?utm_medium=finance_user&amp;utm_campaign=cta_news_full_picture&amp;utm_source=yahoo\" data-ylk=\"slk:%F0%9F%93%B0%20Beyond%20the%20headline%3A%201%20risk%20and%203%20things%20going%20right%20for%20PayPal%20Holdings%20that%20every%20investor%20should%20see.;elm:context_link;itc:0;sec:content-canvas;source:content-canvas%20default\" data-yga=\"{&quot;yLinkText&quot;:&quot;\ud83d\udcf0 Beyond the headline: 1 risk and 3 things going right for PayPal Holdings that every investor should see.&quot;,&quot;yLinkElement&quot;:&quot;context_link&quot;,&quot;yModuleName&quot;:&quot;content-canvas&quot;,&quot;yTrafficOrigin&quot;:&quot;content-canvas default&quot;}\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">\ud83d\udcf0 Beyond the headline: 1 risk and 3 things going right for PayPal Holdings that every investor should see.<\/a>  <\/p>\n<p>        Quick Assessment      <\/p>\n<ul class=\"yf-1jsc1up\">\n<li class=\"yf-1jsc1up\">\n<p class=\"text text-block paragraph text-left neo-font-paragraph-xl-reg  yf-18d6y07\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\"><strong>\u2705 Price vs Analyst Target<\/strong>: PayPal trades at US$45.65 versus a consensus target of about US$51.17, roughly 12% below that level.  <\/p>\n<\/li>\n<li class=\"yf-1jsc1up\">\n<p class=\"text text-block paragraph text-left neo-font-paragraph-xl-reg  yf-18d6y07\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\"><strong>\u2705 Simply Wall St Valuation<\/strong>: Shares are described as trading about 64% below an estimated fair value, pointing to a marked discount.  <\/p>\n<\/li>\n<li class=\"yf-1jsc1up\">\n<p class=\"text text-block paragraph text-left neo-font-paragraph-xl-reg  yf-18d6y07\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\"><strong>\u2705 Recent Momentum<\/strong>: The stock is up 10.6% over the past 30 days as the market reacts to recent developments.  <\/p>\n<\/li>\n<\/ul>\n<p class=\"text text-block paragraph text-left neo-font-paragraph-xl-reg  yf-18d6y07\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\">There&#8217;s only one way to know the right time to buy, sell or hold PayPal Holdings. Head to Simply Wall St&#8217;s <a href=\"https:\/\/www.simplywall.st\/company\/id\/8c96d3ee-d50d-46e3-8861-cdc90ff05005\/valuation?utm_medium=finance_user&amp;utm_campaign=cta_news_fair_value&amp;utm_source=yahoo\" data-ylk=\"slk:company%20report%20for%20the%20latest%20analysis%20of%20PayPal%20Holdings&#039;s%20Fair%20Value;elm:context_link;itc:0;sec:content-canvas;source:content-canvas%20default\" data-yga=\"{&quot;yLinkText&quot;:&quot;company report for the latest analysis of PayPal Holdings&#039;s Fair Value&quot;,&quot;yLinkElement&quot;:&quot;context_link&quot;,&quot;yModuleName&quot;:&quot;content-canvas&quot;,&quot;yTrafficOrigin&quot;:&quot;content-canvas default&quot;}\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">company report for the latest analysis of PayPal Holdings&#8217;s Fair Value<\/a>.  <\/p>\n<p>        Key Considerations       <\/p>\n<ul class=\"yf-1jsc1up\">\n<li class=\"yf-1jsc1up\">\n<p class=\"text text-block paragraph text-left neo-font-paragraph-xl-reg  yf-18d6y07\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\">\ud83d\udcca The BNPL push positions PayPal to use its existing payments platform to attract more checkout volume and new users.  <\/p>\n<\/li>\n<li class=\"yf-1jsc1up\">\n<p class=\"text text-block paragraph text-left neo-font-paragraph-xl-reg  yf-18d6y07\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\">\ud83d\udcca Watch how BNPL adoption affects transaction growth, credit performance and whether it supports the current low P\/E of about 8 versus an industry average of about 16.  <\/p>\n<\/li>\n<li class=\"yf-1jsc1up\">\n<p class=\"text text-block paragraph text-left neo-font-paragraph-xl-reg  yf-18d6y07\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\">\u26a0\ufe0f A key flagged risk is that earnings are forecast to decline by an average of 1.6% per year over the next 3 years, which could limit how BNPL contributes to overall profit.  <\/p>\n<\/li>\n<\/ul>\n<p>         Dig Deeper         <\/p>\n<p class=\"text text-block paragraph text-left neo-font-paragraph-xl-reg  yf-18d6y07\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\">For the full picture including more risks and rewards, check out the <a href=\"https:\/\/www.simplywall.st\/company\/id\/8c96d3ee-d50d-46e3-8861-cdc90ff05005?utm_medium=finance_user&amp;utm_campaign=cta_news_deeper_analysis&amp;utm_source=yahoo\" data-ylk=\"slk:complete%20PayPal%20Holdings%20analysis;elm:context_link;itc:0;sec:content-canvas;source:content-canvas%20default\" data-yga=\"{&quot;yLinkText&quot;:&quot;complete PayPal Holdings analysis&quot;,&quot;yLinkElement&quot;:&quot;context_link&quot;,&quot;yModuleName&quot;:&quot;content-canvas&quot;,&quot;yTrafficOrigin&quot;:&quot;content-canvas default&quot;}\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">complete PayPal Holdings analysis<\/a>. Alternatively, you can check out the <a href=\"https:\/\/simplywall.st\/community\/narratives?utm_medium=finance_user&amp;utm_campaign=cta_news_deeper_analysis&amp;utm_source=yahoo&amp;blueprint=4653004\" data-ylk=\"slk:community%20page%20for%20PayPal%20Holdings;elm:context_link;itc:0;sec:content-canvas;source:content-canvas%20default\" data-yga=\"{&quot;yLinkText&quot;:&quot;community page for PayPal Holdings&quot;,&quot;yLinkElement&quot;:&quot;context_link&quot;,&quot;yModuleName&quot;:&quot;content-canvas&quot;,&quot;yTrafficOrigin&quot;:&quot;content-canvas default&quot;}\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">community page for PayPal Holdings<\/a> to see how other investors believe this latest news will impact the company&#8217;s narrative.  <\/p>\n<p class=\"text text-block paragraph text-left neo-font-paragraph-xl-reg  yf-18d6y07\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\">This article by Simply Wall St is general in nature. <strong>We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice.<\/strong> It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.  <\/p>\n<p class=\"text text-block paragraph text-left neo-font-paragraph-xl-reg  yf-18d6y07\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\">Companies discussed in this article include <a href=\"https:\/\/finance.yahoo.com\/quote\/PYPL\" data-ylk=\"slk:PYPL;elm:context_link;itc:0;sec:content-canvas;source:content-canvas%20default\" data-yga=\"{&quot;yLinkText&quot;:&quot;PYPL&quot;,&quot;yLinkElement&quot;:&quot;context_link&quot;,&quot;yModuleName&quot;:&quot;content-canvas&quot;,&quot;yTrafficOrigin&quot;:&quot;content-canvas default&quot;}\" target=\"_blank\" rel=\"nofollow noopener\">PYPL<\/a>.  <\/p>\n<p class=\"text text-block paragraph text-left neo-font-paragraph-xl-reg  yf-18d6y07\" style=\"text-decoration: none; font-style: normal; text-transform: none; text-align: inherit; font-variant-numeric: normal;\"><strong>Have feedback on this article? Concerned about the content? <\/strong><a href=\"https:\/\/investor-research.typeform.com\/to\/wvg6MFri#feedback_token=NDY1MzAwNDpjMDM0YmZlMDRjNGFmNjI0&amp;company=NasdaqGS:PYPL&amp;blueprintid=4653004\" data-ylk=\"slk:Get%20in%20touch;elm:context_link;itc:0;sec:content-canvas;source:content-canvas%20default\" data-yga=\"{&quot;yLinkText&quot;:&quot;Get in touch&quot;,&quot;yLinkElement&quot;:&quot;context_link&quot;,&quot;yModuleName&quot;:&quot;content-canvas&quot;,&quot;yTrafficOrigin&quot;:&quot;content-canvas default&quot;}\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"><strong>Get in touch<\/strong><\/a><strong> with us directly.<\/strong> Alternatively, email <a href=\"https:\/\/finance.yahoo.com\/markets\/stocks\/articles\/mailto:editorial-team@simplywallst.com?subject=Re%3A%20Your%20article%20on%20NasdaqGS%3APYPL%20(yahoo)%20from%208th%20July%202026\" data-ylk=\"slk:editorial-team%40simplywallst.com;elm:context_link;itc:0;sec:content-canvas;source:content-canvas%20default\" data-yga=\"{&quot;yLinkText&quot;:&quot;editorial-team@simplywallst.com&quot;,&quot;yLinkElement&quot;:&quot;context_link&quot;,&quot;yModuleName&quot;:&quot;content-canvas&quot;,&quot;yTrafficOrigin&quot;:&quot;content-canvas default&quot;}\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">editorial-team@simplywallst.com<\/a>  <\/p>\n","protected":false},"excerpt":{"rendered":"Never miss an important update on your stock portfolio and cut through the noise. Over 7 million investors&hellip;\n","protected":false},"author":2,"featured_media":578073,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[257],"tags":[47819,18,19,17,279,4589,82],"class_list":["post-578072","post","type-post","status-publish","format-standard","has-post-thumbnail","category-mobile","tag-bnpl","tag-eire","tag-ie","tag-ireland","tag-mobile","tag-paypal","tag-technology"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@ie\/116893794077088947","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/posts\/578072","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/comments?post=578072"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/posts\/578072\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/media\/578073"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/media?parent=578072"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/categories?post=578072"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/ie\/wp-json\/wp\/v2\/tags?post=578072"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}