PYPL is either dead or it is a good place to buy at 2016 price. Can leadership turn it around and pivot? >#PayPal trades at 7.8x earnings. Sounds cheap. >But the PayPal button is dying. >Apple Pay & Google Pay took the checkout. Younger users never clicked it to begin with. Revenue grew just 4% in 2025. >Transactions per user DOWN 5%. >They fired the CEO in February. New guy comes from HP, a printer company. >EPS "growth" is buybacks. Not momentum. >439M accounts. Zero urgency to use them. >Cheap for a reason. >$41 and falling.(Seth)