PayPal in 2025: A breakout with backbone or just another spineless fintech?
PayPal is still in the rehabilitation ward after its fall from grace in 2021. Management drama, growth slowdown — the full fintech fatigue package. But something has shifted behind the scenes. A new CEO is cutting costs, AI integration is being whispered about, and earnings have started to surprise again. Wall Street pretends not to notice — but volume tells a different story.
Technically, we’re looking at a well-formed inverse head and shoulders. The neckline stretches from $72.00 to $74.76, aligning with the 0.5 Fibonacci level. A confirmed breakout above this zone opens the path to a clear target at $93.66 — the 1.0 Fibonacci extension. Multiple EMA clusters and strong pattern symmetry reinforce the setup. But no fairy tales here: the real entry comes after a retest. Without confirmation, it’s just another pretty formation for chart enthusiasts.
PayPal is still in the rehabilitation ward after its fall from grace in 2021. Management drama, growth slowdown — the full fintech fatigue package. But something has shifted behind the scenes. A new CEO is cutting costs, AI integration is being whispered about, and earnings have started to surprise again. Wall Street pretends not to notice — but volume tells a different story.
Technically, we’re looking at a well-formed inverse head and shoulders. The neckline stretches from $72.00 to $74.76, aligning with the 0.5 Fibonacci level. A confirmed breakout above this zone opens the path to a clear target at $93.66 — the 1.0 Fibonacci extension. Multiple EMA clusters and strong pattern symmetry reinforce the setup. But no fairy tales here: the real entry comes after a retest. Without confirmation, it’s just another pretty formation for chart enthusiasts.
Trade active
PayPal is steadily emerging from its restructuring phase and repositioning itself as a dynamic, tech-forward player in the global digital economy. At a recent fintech conference, the company laid out a forward-looking agenda focused on scaling offline commerce, expanding Venmo’s ecosystem, and embracing agentic commerce — a rising trend set to reshape how consumers and businesses interact.Venmo has evolved into a core revenue driver. With a 12% increase in average revenue per user and a growing base of active accounts (+30%), its integration into merchant checkout processes is accelerating, as seen in the 50% rise in payment volume through the app.
PayPal’s omnichannel push is gaining traction: total processed payments in offline environments have more than doubled. The merchant side is expanding fast — enterprise acquisition funnels have quadrupled, while SMB engagement has doubled, highlighting strong business momentum.
Braintree is shifting toward profitable growth, emphasizing customized infrastructure, multi-currency payouts, and resilience. Meanwhile, agentic commerce is moving to the forefront. PayPal is actively betting on this model, expecting it to command 30% or more of global trade. To that end, it has launched its Agentic Toolkit for developers and is collaborating with innovative partners like SelfBook and Perplexity.
Looking ahead, the company aims for deeper integration into global trade flows — including crypto-based and stablecoin cross-border solutions — along with faster expansion in Europe, the Middle East, and Africa. By 2027, PayPal targets 80% of its branded payment solutions to be powered by next-gen integrations.
Bottom line: PayPal is no longer just a payment system. It is evolving into a full-scale, modular fintech platform — ready to power the next chapter of digital commerce.
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🔗 Сайт totoshkatrades.com
👨🎓 Наш телеграм t.me/totoshkatrading
🉐 Платформы linktr.ee/totoshka55
💬 Наши контакты @Totoshkatips
👨🎓 Наш телеграм t.me/totoshkatrading
🉐 Платформы linktr.ee/totoshka55
💬 Наши контакты @Totoshkatips
Disclaimer
The information and publications are not meant to be, and do not constitute, financial, investment, trading, or other types of advice or recommendations supplied or endorsed by TradingView. Read more in the Terms of Use.