El interés en corto de PayPal Holdings da a los inversores una idea del grado en que los inversores apuestan por la caída de las acciones de PayPal Holdings. Los datos de interés en corto se actualizan cada dos semanas.

PayPal Holdings (NASDAQ:PYPL) Bolsa, Informe de interés en corto

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PayPal was spun off from eBay in 2015 and provides electronic payment solutions to merchants and consumers, with a focus on online transactions. The company had 434 million active accounts at the end of 2024. The company also owns Venmo, a person-to-person payment platform.

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El gigante fintech PayPal Holdings Inc. (NASDAQ:PYPL) reafirmó su compromiso con la adopción de criptomonedas, con un enfoque especial en su stablecoin PayPal USD (CRYPTO: PYUSD).

PayPal (PYPL) lanza recompensas por mantener PYUSD y busca masificar su uso en pagos digitales

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PayPal decepciona en ingresos pese a fuerte BPA; las acciones caen un 2,62 % antes de mercado. ¿Qué preocupa a los inversores?

Acciones de PayPal (PYPL) caen tras ingresos por debajo de lo esperado en el 1T de 2025

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Las acciones del S&amp;P 500 y Nasdaq caen mientras Nvidia y Tesla sufren pérdidas. Descubre qué está impulsando la volatilidad del mercado.

Acciones en rojo: Nvidia, Tesla y PayPal sufren fuertes caídas en medio de incertidumbre

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PayPal Holdings shares are trading higher after the company announced a strategic partnership with Wix to integrate with Wix  Payments.

Wix.com (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/WIX#NASDAQ">WIX</a>) on Thursday announced an <a target="_blank" href="https://www.benzinga.com/topic/payments" rel="noreferrer noopener">expansion of its</a> partnership with PayPal Holdings (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PYPL#NASDAQ">PYPL</a>), bringing additional online payment options to merchants through Wix Payments.
Now available as a built-in part of Wix Payments, U.S.-based merchants have a unified, seamless experience that simplifies backend operations and ultimately supports higher checkout conversion.
With this deeper integration, PayPal is now available directly in the Wix Payments platform.
Also Read: <a target="_blank" href="https://www.benzinga.com/tech/25/05/45589617/wix-deepens-ai-focus-by-acquiring-generative-ai-startup" rel="noreferrer noopener">Wix Deepens AI Focus By Acquiring Generative AI Startup</a>
Merchants can connect their PayPal Business account and manage all transactions from a single dashboard alongside their Wix Payments activity.
This setup consolidates reporting, chargebacks, and payouts, helping merchants streamline day-to-day operations and deliver more flexible payment options to customers, Wix said.
Merchants also gain access to PayPal&#8217;s broader suite of features, including PayPal Pay Later (BNPL) and Venmo, which allows them to offer customers more flexible and convenient ways to pay.&nbsp;
Funds from PayPal wallet purchases flow directly into merchants&#8217; Wix Payments accounts, simplifying reconciliation and improving visibility over cash flow.
This seamless integration gives merchants greater operational efficiency and control, while offering consumers more flexible ways to pay.
In addition, as part of this integration, PayPal will also serve as a Payment Service Provider (PSP), powering card processing capabilities within Wix Payments – further streamlining the merchant experience across channels.
Wix Payments offers small businesses a more streamlined way to manage payments through its platform.
Users can handle transactions online, in person, or on the go using a range of secure payment options, designed to accommodate different customer preferences at checkout.
With a full suite of options, merchants can adjust preferences to improve conversion rates and simplify day-to-day operations, and manage everything from a single dashboard, making it easier to track and report payments.
This solution is available to U.S.-based Wix Payments users, and the feature will eventually be available in more regions.
Wix stock declined 28% year-to-date. 
Price Actions: WIX stock closed at $154.57 on Wednesday. PYPL is up 0.46% at $77.01 in the premarket Thursday.
Read Next:
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Photo Courtesy Michael Vi on Shutterstock

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EXCLUSIVE: Wix Adds PayPal, Venmo And Pay Later Options To Help Merchants Boost Sales, Simplify Checkout

EXCLUSIVE: PayPal Tells Benzinga Co. And Wix Announce Strategic partnership To Deliver Unified Payment Experience For Merchants

EXCLUSIVE: PayPal Tells Benzinga 'PayPal integrates with Wix Payments, providing a consolidated view for merchants to streamline payment management, enhance conversions and meet growing demand for flexible payment options'

<ul>
<li>Launch partners include Mercado Pago, NPCI International Payments Limited (UPI), PayPal, Tenpay Global, and Venmo.</li>
<li>Interoperability begins with partners connecting to PayPal and Venmo.</li>
<li>Technology agnostic platform designed to enable further wallet interoperability.</li>
<li>More wallets to join in the coming months as the platform expands around the world.</li>
</ul>

PayPal Unveils PayPal World To Connect Global Payment Systems And Digital Wallets Starting With PayPal And Venmo

Conservative political activist Charlie Kirk issued a sharp warning on the growing use of Buy Now Pay Later services among young Americans, calling the debt model &#8220;predatory&#8221; and structurally unhealthy.
Check out the current price of&nbsp;<a href="https://www.benzinga.com/quote/AFRM" target="_blank" rel="noreferrer noopener">AFRM stock here</a>.
What Happened: Speaking on Tucker Carlson&#8217;s show on Monday, Kirk criticized BNPL companies such as Klarna, Affirm Holdings Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AFRM#NASDAQ">AFRM</a>) and AfterPay, owned by Block Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XYZ#NYSE">XYZ</a>), for offering what he described as an unregulated path to consumer debt.
&#8220;Buy now, pay later is how 60%&#8230; of Generation Z is paying for things month-to-month,&#8221; Kirk says, adding that they are not credit cards, and are thus not regulated by the Credit Bureaus, and have no credit checks.
See Also: <a href="https://www.benzinga.com/insights/analyst-ratings/25/07/46502462/demystifying-paypal-holdings-insights-from-14-analyst-reviews">Demystifying PayPal Holdings: Insights From 14 Analyst Reviews</a>
To further underscore the nature of this practice, he says, &#8220;You can split a pizza into four payments&#8230; This is the modern tech economy. Buy a pizza on credit.&#8221; 
&#8220;We have millions of young people that are financing their Coachella tickets,&#8221; Kirk said, but emphasized that contrary to popular belief, &#8220;most are actually doing this to meet their means,&#8221; not to live beyond them.
Kirk notes that two of the three major BNPL providers are foreign companies, with Klarna based in Sweden and Afterpay in Australia. He says these services often bypass traditional financial safeguards and expose young users to hidden costs, &#8220;the late fees and the penalties make these companies eventually hold cause they know they got you.&#8221;
Kirk warned that the widespread use of BNPL could have long-term consequences on Gen Z's financial health. &#8220;This generation can't own anything,&#8221; he says. &#8220;They owe so much more money than generations prior.&#8221;
Why It Matters: According to <a href="https://www.benzinga.com/personal-finance/management/25/06/45719177/klarnas-downside-buy-now-pay-later-users-overspend-and-miss-payments">a recent survey</a>, at least &#8220;half of buy now, pay later users have experienced issues like overspending and missing payments.&#8221;
This comes as a growing share of Americans use BNPL apps, not just for electronics and clothes, but to <a href="https://www.benzinga.com/25/05/45139105/more-americans-are-using-buy-now-pay-later-loans-to-pay-for-groceries-and-falling-behind">pay for groceries</a>. According to a survey conducted by LendingTree, 25% of users on these apps reported using them to pay for groceries, up from 14% in 2024.
During its recent first-quarter earnings call, PayPal Holdings Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PYPL#NASDAQ">PYPL</a>) reported that BNPL users <a href="https://www.benzinga.com/news/earnings/25/04/45089879/paypal-says-buy-now-pay-later-users-spend-33-more-make-17-more-transactions-pushes-for-global-rollout">spend 33% more</a> per transaction and complete 17% more transactions compared to the average user. 
Price Action: Shares of Affirm were down 3.12% on Monday, trading at $66.75, and are up 0.58% after hours.
<figure class="wp-block-image size-large"><a href="https://www.benzinga.com/premium/ideas/benzinga-edge-2#:~:text=Turn%20Market%20Chaos,when%20markets%20rebound"><img loading="lazy" decoding="async" width="1024" height="148" src="https://editorial-assets.benzinga.com/wp-content/uploads/2025/07/22014731/Screenshot-2025-07-22-at-11.17.21-AM-1024x148.png" alt="" class="wp-image-994655" srcset="https://editorial-assets.benzinga.com/wp-content/uploads/2025/07/22014731/Screenshot-2025-07-22-at-11.17.21-AM-1024x148.png 1024w,https://editorial-assets.benzinga.com/wp-content/uploads/2025/07/22014731/Screenshot-2025-07-22-at-11.17.21-AM-300x43.png 300w,https://editorial-assets.benzinga.com/wp-content/uploads/2025/07/22014731/Screenshot-2025-07-22-at-11.17.21-AM-768x111.png 768w,https://editorial-assets.benzinga.com/wp-content/uploads/2025/07/22014731/Screenshot-2025-07-22-at-11.17.21-AM.png 1532w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></figure>
Affirm scores well on Benzinga&#8217;s Edge Stock Rankings, and has a favorable price trend in the short, medium and long terms. Click <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-2#:~:text=Turn%20Market%20Chaos,when%20markets%20rebound">here</a> for deeper insights into the stock, and to see how it compares with peers and competitors in the BNPL space.
Photo Courtesy: ANDREI ASKIRKA on Shutterstock.com
Read More: 
<ul class="wp-block-list">
<li><a href="https://www.benzinga.com/personal-finance/management/25/07/46510561/fico-to-roll-out-new-scores-to-reflect-your-buy-now-pay-later-habits-impacting-millions-of-americans-credit">FICO To Roll Out New Scores to Reflect Your &#8220;Buy Now, Pay Later&#8221; Habits, Impacting Millions of Americans&#8217; Credit</a></li>
</ul>
<iframe loading="lazy" width="560" height="315" src="https://www.youtube.com/embed/G-4tNK6dfD4?si=MTcJCvNKPSvI4R8c" title="YouTube video player" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe>

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Charlie Kirk Slams Buy Now Pay Later As 'Predatory' — Podcaster Warns Gen Z Is 'Financing Their Coachella Tickets' Without Guardrails

NYU finance professor Aswath Damodaran is urging caution regarding corporate Bitcoin holdings, which have gained traction in recent years, with just four notable exceptions. 
Check out the current price of&nbsp;<a href="https://www.benzinga.com/quote/MSTR" target="_blank" rel="noreferrer noopener">MSTR stock here.</a>
What Happened: On Saturday, in a post on X, Damodaran said that while the strategy has gained traction thanks to Strategy Inc.'s (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MSTR#NASDAQ">MSTR</a>) outsized bets and Michael Saylor's cult-like status, it's fundamentally flawed for most firms.
&#8220;In the last few years, Strategy has become a Bitcoin SPAC, with investors attributing savant-like status to Michael Saylor,&#8221; he says, noting that this has led more companies to shift their cash holdings into Bitcoin, which he views as &#8220;a bad idea, but there are four carveouts.&#8221;
See Also: <a href="https://www.benzinga.com/trading-ideas/technicals/25/07/46405500/stock-of-the-day-breakout-time-for-microstrategy">Stock Of The Day – Breakout Time For MicroStrategy?</a>
The renowned valuation expert outlines the exceptions for when, if ever, Bitcoin should be included on a corporate balance sheet. The first is companies whose leadership is especially skilled in trading the digital currency, &#8220;much better at timing trades than the average investor.&#8221;
However, Damodaran warns that &#8220;the peril is that perception is not always reality,&#8221; highlighting the risks of misplacing trust in a CEO&#8217;s trading acumen in volatile markets like crypto. 
The second exception includes firms that use Bitcoin for day-to-day operations. &#8220;The bitcoin holdings should be proportional to bitcoin transactions, and operate more like working capital than investing bet,&#8221; he says, pointing to PayPal Holdings Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PYPL#NASDAQ">PYPL</a>) and Coinbase Global Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/COIN#NASDAQ">COIN</a>).
<figure class="wp-block-embed aligncenter is-type-rich is-provider-twitter wp-block-embed-twitter"> 
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<blockquote class="twitter-tweet" data-width="500" data-dnt="true">In the last few years, MicroStrategy has become a Bitcoin SPAC, with investors attributing savant-like status to Michael Saylor. Its success has led some to push companies to shift their cash into bitcoin. As a general principle, this is a bad idea, but there are four carveouts.… <a href="https://t.co/SVnRGIlDX8">pic.twitter.com/SVnRGIlDX8</a>
&mdash; Aswath Damodaran (@AswathDamodaran) <a href="https://twitter.com/AswathDamodaran/status/1946276968930193724?ref_src=twsrc%5Etfw">July 18, 2025</a></blockquote>
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Third is companies operating in countries with failed fiat currencies could justify bitcoin exposure, &#8220;where bitcoin is less volatile and more likely to hold its value than the domestic currency.&#8221;
And finally, the fourth exception involves firms with failing business models that have since turned into &#8220;meme stocks,&#8221; such as AMC Entertainment Holdings Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AMC#NYSE">AMC</a>) and GameStop Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GME#NYSE">GME</a>), at which point he says, &#8220;The stock becomes a pure trading play.&#8221;
Damodaran concludes with a further warning that even with these exceptions, companies will require guardrails, such as &#8220;buy-in from shareholders, transparency and disclosure on bitcoin holdings/trades and clearer accounting rules,&#8221; he says.
<figure class="wp-block-table"> 
<table class="has-fixed-layout">
<tbody>
<tr>
<td class="has-text-align-center" data-align="center">Stocks / ETFs</td>
<td class="has-text-align-center" data-align="center">Year-To-Date Performance</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Strategy Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MSTR#NASDAQ">MSTR</a>)</td>
<td class="has-text-align-center" data-align="center">+41.07%</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">PayPal Holdings Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PYPL#NASDAQ">PYPL</a>)</td>
<td class="has-text-align-center" data-align="center">-13.94%</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">Coinbase Global Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/COIN#NASDAQ">COIN</a>)</td>
<td class="has-text-align-center" data-align="center">+63.21%</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">AMC Entertainment Holdings Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AMC#NYSE">AMC</a>)</td>
<td class="has-text-align-center" data-align="center">-11.94%</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">GameStop Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GME#NYSE">GME</a>)</td>
<td class="has-text-align-center" data-align="center">-24.07%</td>
</tr>
<tr>
<td class="has-text-align-center" data-align="center">iShares Bitcoin Trust ETF (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/IBIT#NASDAQ">IBIT</a>)</td>
<td class="has-text-align-center" data-align="center">+20.43%</td>
</tr>
</tbody>
</table>
</figure>
Why It Matters: Several other prominent experts have warned against this model in recent months, including veteran short-seller James Chanos, who <a href="https://www.benzinga.com/crypto/25/07/46188290/james-chanos-shreds-michael-saylors-strategy-model-of-multiple-of-nav-valuation-famed-short-seller-says-it-is-absurd">pushed back against</a> Strategy&#8217;s claims that its valuations should reflect not just the net asset value (NAVs) of its Bitcoin holdings, but a multiple on its unrealized gains. 
This was just weeks after making <a href="https://www.benzinga.com/markets/cryptocurrency/25/05/45465049/jim-chanos-goes-long-bitcoin-short-microstrategy-in-arbitrage-bet-against-retail-speculation">an arbitrage bet</a> on this by going long on Bitcoin and short on Microstrategy. &#8220;We&#8217;re buying Bitcoin, selling MicroStrategy stock—an arbitrage play, buying for $1, selling for $2.50,&#8221; he said.
Others, such as Tom Lee, the head of research at Fundstrat Global Advisors, have come out in <a href="https://www.benzinga.com/crypto/25/06/46089976/tom-lee-says-microstrategy-could-outpace-bitcoin-gains-goes-up-a-lot-more-as-btc-rallies">support of this model</a>, especially MSTR.
Lee says that it makes sense that &#8220;as Bitcoin goes up, MicroStrategy very likely goes up a lot more,&#8221; citing the latter&#8217;s innovative financing approach, which allows it to issue convertible debt at &#8220;almost no interest cost&#8221; to purchase additional Bitcoin.
This &#8220;very novel strategy,&#8221; he says, has led to the company&#8217;s premium valuation mechanism, justifying its trading above its net asset value.
Price Action: Shares of Strategy were down 6.23% on Friday, trading at $423.22, and are up 1.42% after hours. 
<figure class="wp-block-image size-large"><a href="https://www.benzinga.com/premium/ideas/benzinga-edge-2#:~:text=Turn%20Market%20Chaos,when%20markets%20rebound"><img loading="lazy" decoding="async" width="1024" height="149" src="https://editorial-assets.benzinga.com/wp-content/uploads/2025/07/20221216/Screenshot-2025-07-21-at-7.42.04-AM-1024x149.png" alt="" class="wp-image-992852" srcset="https://editorial-assets.benzinga.com/wp-content/uploads/2025/07/20221216/Screenshot-2025-07-21-at-7.42.04-AM-1024x149.png 1024w,https://editorial-assets.benzinga.com/wp-content/uploads/2025/07/20221216/Screenshot-2025-07-21-at-7.42.04-AM-300x44.png 300w,https://editorial-assets.benzinga.com/wp-content/uploads/2025/07/20221216/Screenshot-2025-07-21-at-7.42.04-AM-768x112.png 768w,https://editorial-assets.benzinga.com/wp-content/uploads/2025/07/20221216/Screenshot-2025-07-21-at-7.42.04-AM.png 1526w" sizes="(max-width: 1024px) 100vw, 1024px" /></a></figure>
According to Benzinga&#8217;s Edge Stock Rankings, Strategy&#8217;s shares score high on Momentum, but poorly on other fronts, with a favorable price trend in the short, medium and long terms. How does it compare with other Bitcoin treasury stocks? Click <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-2#:~:text=Turn%20Market%20Chaos,when%20markets%20rebound">here</a> to find out.
Read More: 
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<li><a href="https://www.benzinga.com/crypto/cryptocurrency/25/07/46485331/trump-plans-executive-order-to-add-crypto-to-401k-menus-8-7-trillion-retirement-market-poised-for-bitcoin-ethereum-and-takeover-funds-report">Trump Plans Executive Order To Add Crypto To 401(k) Menus—$8.7 Trillion Retirement Market Poised For Bitcoin, Ethereum And Takeover Funds: Report</a></li>
</ul>
Photo courtesy: Shutterstock

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Short Sellers

IBIT

MSTR

NYU Professor Warns Companies Against Moving Cash Into Bitcoin — Unless You're Strategy, PayPal, Or A Meme Stock: 'This Is A Bad Idea'

Billionaire investor Peter Thiel once <a href="https://www.benzinga.com/news/20/10/17737269/a-huge-week-for-facebook-alums-peter-thiel-dustin-moskovitz-and-justin-rosenstein">acknowledged that selling</a> his Meta Platforms, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/META#NASDAQ">META</a>), which was earlier known as Facebook, shares too early cost him billions.
What Happened: In an appearance on Piers Morgan Uncensored in 2024, Thiel, the PayPal Holdings (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PYPL#NASDAQ">PYPL</a>) co-founder and Facebook's <a href="https://www.benzinga.com/markets/equities/23/05/32461106/if-you-invested-1-000-in-facebook-stock-at-ipo-11-years-ago-heres-how-much-youd-have-now">first outside investor</a>, reflected on his 2012 decision to sell most of his Facebook stake during the company's initial public offering.
He pocketed around $400 million at the time, but had he held on longer, his shares could have been worth much more.
"I think one of the things that was very hard to gauge… was just how [big tech companies] were going to scale and scale and scale," Thiel told Morgan. "The incorrect view I had back in 2012 was that it was fractal up to $100 billion… but going from $100 billion to a trillion was actually the easiest."
Thiel used the term "fractal" to describe how he viewed the difficulty of scaling businesses in successive magnitudes — from $10 million to $100 million, and up to $100 billion.
See Also:&nbsp;<a href="https://www.benzinga.com/markets/tech/25/07/46425393/metas-metaverse-dreams-tested-by-new-bytedance-swan-goggles" target="_blank" rel="noreferrer noopener">Meta's Metaverse Dreams Tested By New ByteDance Swan Goggles</a> He believed each step would be just as hard, but misjudged the massive acceleration that can occur once a company hits a certain scale.
The billionaire investor added that as an investor, you want to find opportunities that are both "true and contrarian," and Facebook's eventual rise to over $1.5 trillion in market cap turned out to be just that — widely doubted, but easier to achieve than he imagined.
When asked if selling Facebook stock early was his biggest investing mistake, Thiel admitted, "There are all sorts of mistakes… but the biggest mistake people make is never making mistakes."
Subscribe to the&nbsp;<a href="https://bztechtrends.beehiiv.com/subscribe" target="_blank" rel="noreferrer noopener">Benzinga Tech Trends newsletter</a>&nbsp;to get all the latest tech developments delivered to your inbox.
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<iframe loading="lazy" title="&#039;Left-Wing Zombie Establishment&#039; Billionaire Peter Thiel on Trump, Elon Musk, Technology And God" width="500" height="281" src="https://www.youtube.com/embed/luTHVKFi3dc?feature=oembed" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe>
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</figure>
Why It's Important: Facebook began as a social networking site for college students, launched by Mark Zuckerberg and his friends in a Harvard dorm in February 2004. Two months later, the company was officially registered, and in June 2004, Thiel made the first major investment—$500,001 for a 10.2% stake—also joining the board.
Thiel remained on Facebook's board until 2022. Today, his estimated net worth is $23 billion, according to the Bloomberg Billionaire <a href="https://www.bloomberg.com/billionaires/">Index</a>, largely driven by early tech bets including Palantir Technologies Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PLTR#NASDAQ">PLTR</a>) and PayPal.
Meta currently has a market capitalization of $1.767 trillion, making it the sixth most valuable company in the world.
The tech giant currently holds a consensus price target of $741.41, according to ratings from 42 analysts. The latest analyst updates came from Cantor Fitzgerald, Canaccord Genuity and B of A Securities have set an average price target of $817.67, suggesting a potential upside of 16.11%, according to <a href="https://pro.benzinga.com/dashboard">Benzinga Pro</a>.
According to Benzinga's Edge Stock Rankings, META continues to demonstrate a consistent upward trajectory across short, medium and long-term periods. While its growth score remains strong, its value rating is relatively weaker. <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-4/#:~:text=Turn%20Market%20Chaos,when%20markets%20rebound">Additional performance details are available here</a>.
<figure class="wp-block-image size-full"><a href="https://www.benzinga.com/premium/ideas/benzinga-edge-4/#:~:text=Turn%20Market%20Chaos,when%20markets%20rebound"><img decoding="async" src="https://editorial-assets.benzinga.com/wp-content/uploads/2025/07/17010906/Screenshot-2025-07-17-at-8.55.57%E2%80%AFAM-1.png" alt="" class="wp-image-988930" /></a></figure>
Check out more of Benzinga's Consumer Tech coverage by&nbsp;<a href="https://www.benzinga.com/topic/consumer-tech" target="_blank" rel="noreferrer noopener">following this link</a>.
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PLTR

Peter Thiel Once Touched On Selling Facebook Stock Too Early — Palantir Co-Founder Says Misjudged Big Tech's 'Fractal' Path To $1 Trillion

Sophia Kianni and <a href="https://www.benzinga.com/news/topics/25/07/46260421/phoebe-gates-opens-up-about-being-a-nepo-baby-and-reveals-dorm-room-aha-moment-that-sparked-fashion-startup-phia">Phoebe Gates</a> met as Stanford roommates who bonded over fashion, climate advocacy, and secondhand shopping. Kianni had already gone viral during the pandemic by founding Climate Cardinals, a nonprofit that translated climate resources into over 100 languages. Gates, daughter of Microsoft co-founder <a href="https://www.benzinga.com/news/25/05/45184302/bill-gates-daughter-launches-phia-a-850k-ai-powered-fashion-app-with-backing-from-kris-jenner-and-desiree-gruber">Bill Gates</a> and Melinda French Gates, had interned at British Vogue and was passionate about sustainable fashion,<a href="https://www.forbes.com/sites/alexyork/2025/07/11/how-podcasting-is-fueling-sophia-kianni-and-phoebe-gates-fashion-startup-phia/"> Forbes</a> says.
Their original concept was a browser extension that made it easier to shop secondhand, inspired by the clunky user experience they'd encountered, Kianni told Forbes. One of their professors was so impressed that he gave them a $250,000 grant to get started.
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That initial idea evolved into Phia, an AI-powered fashion app that helps users find the best price for a product across websites, view resale value graphs, and create curated collections, Forbes reports. The app is free for users and earns affiliate commissions on purchases made through its platform.
<h2 class="wp-block-heading">Sophia Kianni's Pivot to Scale</h2>
Before co-founding their fashion tech startup, Kianni was focused on climate education. She told Forbes that while visiting family in the Middle East, she realized many in the community didn't understand the greenhouse gas effect.
That language gap led her to launch Climate Cardinals, a nonprofit built on translation and education. Kianni said the experience taught her lessons she later applied to Phia, especially around building from scratch and mobilizing people online.
"I learned all of these little things that I now 100% have applied to Phia, just in terms of what it took to take something from zero to one," Kianni told Forbes.
Trending: This AI-Powered Trading Platform Has 5,000+ Users, 27 Pending Patents, and a $43.97M Valuation — <a href="https://www.benzinga.com/money/finally-a-fully-automated-trading-platform-for-individual-investors?">You Can Become an Investor for Just $500.25</a>
<h2 class="wp-block-heading">From Instagram to Alex Cooper: How They Used Content as Capital</h2>
Phia's model leans heavily on partnerships and content to grow. The app works with major resale sites like eBay (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/EBAY#NASDAQ">EBAY</a>), The RealReal (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/REAL#NASDAQ">REAL</a>), and Poshmark, and has collaborations with brands such as Reformation and Prada, Forbes says.
Their social media accounts now have over 100,000 followers combined, and according to Forbes, they also write a newsletter on Substack, where companies like Tory Burch and The RealReal are building fashion communities.
In March, they signed with podcaster Alex Cooper's Unwell Network to host their own show, ‘The Burnouts,' which dives into their startup journey and features guests like Kris Jenner, Paris Hilton, and Vivian Tu, Forbes reports.
See Also: $100k+ in investable assets? <a href="https://www.benzinga.com/money/wiseradvisor-retirement-planning">Match with a fiduciary advisor for free to learn how you can maximize your retirement and save on taxes</a> – no cost, no obligation.
<h2 class="wp-block-heading">‘We Do Have Ourselves': Their Media Strategy Skipped Traditional Ads</h2>
The podcast idea came from advisor Joanne Bradford, former president of Honey, a coupon extension, was sold to PayPal (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PYPL#NASDAQ">PYPL</a>) in 2020 for $4 billion. Bradford told them ‘Call Her Daddy' was one of their best-performing ad channels, but instead of buying ad space, Kianni and Gates pitched a podcast of their own, Forbes says.
"We don't have millions of dollars to spend on ‘Call Her Daddy' ads, but we do have ourselves," Kianni told Forbes. "It was a win-win where we were able to have this incredible distribution vehicle that is able to provide essentially all of this organic coverage to Phia."
Phia has raised $850,000 in total from investors, including Kris Jenner and Sara Blakely, according to Forbes. The company has focused on content creation and partnerships as key growth strategies.
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EBAY

REAL

"We Don't Have Millions To Spend On 'Call Her Daddy' Ads, But We Do Have Ourselves": How Phoebe Gates And Sophia Kianni Built Phia Via A Podcast

Ratings for PayPal Holdings (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PYPL#NASDAQ">PYPL</a>) were provided by 14 analysts in the past three months, showcasing a mix of bullish and bearish perspectives.
In the table below, you'll find a summary of their recent ratings, revealing the shifting sentiments over the past 30 days and comparing them to the previous months.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">2</td>
<td align="right">5</td>
<td align="right">5</td>
<td align="right">0</td>
<td align="right">2</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">2</td>
<td align="right">3</td>
<td align="right">3</td>
<td align="right">0</td>
<td align="right">1</td>
</tr>
</tbody>
</table>
Analysts provide deeper insights through their assessments of 12-month price targets, revealing an average target of $80.57, a high estimate of $96.00, and a low estimate of $56.00. A 11.27% drop is evident in the current average compared to the previous average price target of $90.80. 
<img src="https://www.benzinga.com/files/images/story/2025/1752865216_0.png" alt="price target chart" />
<h2>Breaking Down Analyst Ratings: A Detailed Examination</h2>
The standing of PayPal Holdings among financial experts becomes clear with a thorough analysis of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Ramsey El-Assal</td>
<td>Barclays</td>
<td>Raises</td>
<td>Overweight</td>
<td>$90.00</td>
<td>$80.00</td>
</tr>
<tr>
<td>Bryan Keane</td>
<td>Deutsche Bank</td>
<td>Announces</td>
<td>Hold</td>
<td>$75.00</td>
<td>-</td>
</tr>
<tr>
<td>Daniel Perlin</td>
<td>RBC Capital</td>
<td>Maintains</td>
<td>Outperform</td>
<td>$88.00</td>
<td>$88.00</td>
</tr>
<tr>
<td>Patrick Moley</td>
<td>Piper Sandler</td>
<td>Announces</td>
<td>Neutral</td>
<td>$74.00</td>
<td>-</td>
</tr>
<tr>
<td>Matthew Coad</td>
<td>Truist Securities</td>
<td>Announces</td>
<td>Sell</td>
<td>$68.00</td>
<td>-</td>
</tr>
<tr>
<td>Ashwin Shirvaikar</td>
<td>Citigroup</td>
<td>Lowers</td>
<td>Buy</td>
<td>$95.00</td>
<td>$98.00</td>
</tr>
<tr>
<td>Daniel Perlin</td>
<td>RBC Capital</td>
<td>Lowers</td>
<td>Outperform</td>
<td>$88.00</td>
<td>$104.00</td>
</tr>
<tr>
<td>Rufus Hone</td>
<td>BMO Capital</td>
<td>Lowers</td>
<td>Market Perform</td>
<td>$79.00</td>
<td>$83.00</td>
</tr>
<tr>
<td>Timothy Chiodo</td>
<td>UBS</td>
<td>Lowers</td>
<td>Neutral</td>
<td>$75.00</td>
<td>$88.00</td>
</tr>
<tr>
<td>Colin Sebastian</td>
<td>Baird</td>
<td>Raises</td>
<td>Outperform</td>
<td>$79.00</td>
<td>$78.00</td>
</tr>
<tr>
<td>Joseph Vafi</td>
<td>Canaccord Genuity</td>
<td>Maintains</td>
<td>Buy</td>
<td>$96.00</td>
<td>$96.00</td>
</tr>
<tr>
<td>Paul Golding</td>
<td>Macquarie</td>
<td>Lowers</td>
<td>Outperform</td>
<td>$95.00</td>
<td>$117.00</td>
</tr>
<tr>
<td>Arvind Ramnani</td>
<td>Piper Sandler</td>
<td>Lowers</td>
<td>Neutral</td>
<td>$70.00</td>
<td>$76.00</td>
</tr>
<tr>
<td>Dominick Gabriele</td>
<td>Compass Point</td>
<td>Announces</td>
<td>Sell</td>
<td>$56.00</td>
<td>-</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Analysts frequently update their recommendations based on evolving market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to PayPal Holdings. This information provides a snapshot of how analysts perceive the current state of the company.</li>
<li>Rating: Providing a comprehensive analysis, analysts offer qualitative assessments, ranging from 'Outperform' to 'Underperform'. These ratings reflect expectations for the relative performance of PayPal Holdings compared to the broader market.</li>
<li>Price Targets: Analysts explore the dynamics of price targets, providing estimates for the future value of PayPal Holdings's stock. This examination reveals shifts in analysts' expectations over time.</li>
</ul>
For valuable insights into PayPal Holdings's market performance, consider these analyst evaluations alongside crucial financial indicators. Stay well-informed and make prudent decisions using our Ratings Table.
<a href="https://www.benzinga.com/quote/PYPL/analyst-ratings?adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantage">Stay up to date on PayPal Holdings analyst ratings.</a>
<h2>Unveiling the Story Behind PayPal Holdings</h2>
PayPal was spun off from eBay in 2015 and provides electronic payment solutions to merchants and consumers, with a focus on online transactions. The company had 434 million active accounts at the end of 2024. The company also owns Venmo, a person-to-person payment platform.
<h3>A Deep Dive into PayPal Holdings's Financials</h3>
Market Capitalization Analysis: Above industry benchmarks, the company's market capitalization emphasizes a noteworthy size, indicative of a strong market presence.
Revenue Growth: PayPal Holdings displayed positive results in 3M. As of 31 March, 2025, the company achieved a solid revenue growth rate of approximately 1.2%. This indicates a notable increase in the company's top-line earnings. As compared to its peers, the revenue growth lags behind its industry peers. The company achieved a growth rate lower than the average among peers in Financials sector.
Net Margin: PayPal Holdings's financial strength is reflected in its exceptional net margin, which exceeds industry averages. With a remarkable net margin of 16.52%, the company showcases strong profitability and effective cost management.
Return on Equity (ROE): PayPal Holdings's ROE falls below industry averages, indicating challenges in efficiently using equity capital. With an ROE of 6.33%, the company may face hurdles in generating optimal returns for shareholders.
Return on Assets (ROA): PayPal Holdings's ROA lags behind industry averages, suggesting challenges in maximizing returns from its assets. With an ROA of 1.58%, the company may face hurdles in achieving optimal financial performance.
Debt Management: PayPal Holdings's debt-to-equity ratio is below the industry average. With a ratio of 0.56, the company relies less on debt financing, maintaining a healthier balance between debt and equity, which can be viewed positively by investors.
<h2>Understanding the Relevance of Analyst Ratings</h2>
Experts in banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their comprehensive research involves attending company conference calls and meetings, analyzing financial statements, and engaging with insiders to generate what are known as analyst ratings for stocks. Typically, analysts assess and rate each stock once per quarter.
Some analysts also offer predictions for helpful metrics such as earnings, revenue, and growth estimates to provide further guidance as to what to do with certain tickers. It is important to keep in mind that while stock and sector analysts are specialists, they are also human and can only forecast their beliefs to traders.
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This article was generated by Benzinga's automated content engine and reviewed by an editor.

Analyst Ratings

Demystifying PayPal Holdings: Insights From 14 Analyst Reviews

Barclays analyst Ramsey El-Assal maintains PayPal Holdings (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PYPL#NASDAQ">PYPL</a>) with a Overweight and raises the price target from $80 to $90.

Price Target

Barclays Maintains Overweight on PayPal Holdings, Raises Price Target to $90

Deutsche Bank analyst Bryan Keane reinstates PayPal Holdings (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PYPL#NASDAQ">PYPL</a>) with a Hold and announces $75 price target.

Initiation

Deutsche Bank Reinstates Hold on PayPal Holdings, Announces $75 Price Target

JPMorgan Chase &amp; Co.&#8216;s (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/JPM#NYSE">JPM</a>) plan to introduce fees for transactions involving cryptocurrencies and third-party services could significantly cripple the fintech industry, say experts.
What Happened: JPMorgan Chase is considering charging data aggregators, such as Plaid and MX, every time a customer transfers funds from their JPMorgan Chase account to a crypto account or a third-party service like Robinhood (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HOOD#NASDAQ">HOOD</a>).
Crypto firms and fintechs commonly use these aggregators to access customer accounts held at major financial institutions such as JPMorgan Chase.
Check out the current price of&nbsp;<a href="https://benzinga.com/quote/JPM" target="_blank" rel="noreferrer noopener">JPM stock here</a>.
Anonymous industry executives have expressed concerns that this could make it financially unfeasible&nbsp;for many consumers to use&nbsp;stablecoins and crypto. They fear that the fees could &#8220;cripple the crypto industry,&#8221; reported Fortune. 
"This would put everyone out of business…It would require everyone to raise prices by 1000% to cover [the cost],"&nbsp;stated a fintech executive. 
Alex Rampell, a general partner at venture firm Andreessen Horowitz, expressed his opinion about JPMorgan&#8217;s latest move.  "It isn't about a new revenue stream. It's about strangling the competition. And if they get away with this, every bank will follow,&#8221; he stated.
Meanwhile, Arjun Sethi, co-CEO of Kraken, one of the largest crypto exchanges in the U.S., described JPMorgan&#8217;s plan as a &#8220;calculated move&#8221; to assert ownership over consumer data. He referred to the plan as a &#8220;toll&#8221; rather than a technical innovation.
SEE ALSO:&nbsp;<a href="https://benzinga.com/crypto/cryptocurrency/25/07/46448779/inside-trumps-oval-office-crypto-push-why-did-11-republicans-suddenly-change-their-vote" target="_blank" rel="noreferrer noopener">Inside Trump&#8217;s Oval Office Crypto Push: Why Did 11 Republicans Suddenly Change Their Vote?</a>
Why It Matters: This move by JPMorgan Chase could have significant implications for the fintech industry. Several payments and fintech stocks, including&nbsp;Affirm Holdings Inc.&nbsp;(NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AFRM#NASDAQ">AFRM</a>),&nbsp;PayPal Holdings Inc.&nbsp;(NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PYPL#NASDAQ">PYPL</a>), and&nbsp;Mastercard Inc.&nbsp;(NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MA#NYSE">MA</a>), experienced a <a href="https://www.benzinga.com/trading-ideas/movers/25/07/46377201/fintech-stocks-slip-as-jpmorgan-plans-data-access-fees-but-affirm-defies-the-trend">selloff on Friday </a>after JPMorgan announced its plans to charge significant fees for access to customer bank account data.
This move by JPMorgan could potentially disrupt the fintech industry and make it difficult for smaller players to compete. The impact of these fees on the industry remains to be seen, but this move by JPMorgan could have far-reaching consequences for the fintech and crypto sectors.
JPMorgan Chase&#8217;s&nbsp;<a href="https://www.benzinga.com/content/46456118/jpmorgan-q2-results-affirm-dividend-buybacks-amp-growth">Q2 report</a>&nbsp;with growth in net interest income and margins highlighted a positive turn in CEO Jamie Dimon&#8216;s comments, indicating resilience in the U.S. economy and financial landscape. 
<figure class="wp-block-image size-full"><img loading="lazy" decoding="async" width="775" height="125" src="https://editorial-assets.benzinga.com/wp-content/uploads/2025/07/17052246/image-212.png" alt="" class="wp-image-989322" srcset="https://editorial-assets.benzinga.com/wp-content/uploads/2025/07/17052246/image-212.png 775w,https://editorial-assets.benzinga.com/wp-content/uploads/2025/07/17052246/image-212-300x48.png 300w,https://editorial-assets.benzinga.com/wp-content/uploads/2025/07/17052246/image-212-768x124.png 768w" sizes="(max-width: 775px) 100vw, 775px" /></figure>
Benzinga's Edge Rankings place JPMorgan in the 83rd percentile for growth and momentum, reflecting its strong performance in both areas. Check the detailed report <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-2#:~:text=Turn%20Market%20Chaos,when%20markets%20rebound">here</a>.&nbsp;
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HOOD

JPMorgan's Plan To Impose Fees On Data Aggregators Could 'Cripple' The Crypto Industry, Say Execs: 'This Would Put Everyone Out Of Business'

This whale alert can help traders discover the next big trading opportunities.
Whales are entities with large sums of money and we track their transactions here at Benzinga on our options activity scanner.
Traders often look for circumstances when the market estimation of an option diverges away from its normal worth. Abnormal amounts of trading activity could push option prices to hyperbolic or underperforming levels. 
Below are some instances of options activity happening in the Financials sector: 
<table>
<thead>
<tr>
<th>Symbol</th>
<th>PUT/CALL</th>
<th>Trade Type</th>
<th>Sentiment</th>
<th>Exp. Date</th>
<th>Strike Price</th>
<th>Total Trade Price</th>
<th>Open Interest</th>
<th>Volume</th>
</tr>
</thead>
<tbody>
<tr>
<td>COIN</td>
<td>CALL</td>
<td>TRADE</td>
<td>BEARISH</td>
<td>07/18/25</td>
<td>$400.00</td>
<td>$61.3K</td>
<td>14.9K</td>
<td>15.9K</td>
</tr>
<tr>
<td>JPM</td>
<td>CALL</td>
<td>TRADE</td>
<td>BEARISH</td>
<td>08/15/25</td>
<td>$315.00</td>
<td>$154.0K</td>
<td>1.6K</td>
<td>5.6K</td>
</tr>
<tr>
<td>SOFI</td>
<td>PUT</td>
<td>TRADE</td>
<td>BEARISH</td>
<td>08/15/25</td>
<td>$13.00</td>
<td>$40.0K</td>
<td>14.2K</td>
<td>5.0K</td>
</tr>
<tr>
<td>WFC</td>
<td>CALL</td>
<td>SWEEP</td>
<td>BEARISH</td>
<td>08/15/25</td>
<td>$87.50</td>
<td>$40.2K</td>
<td>4.3K</td>
<td>4.6K</td>
</tr>
<tr>
<td>HOOD</td>
<td>CALL</td>
<td>SWEEP</td>
<td>BEARISH</td>
<td>08/15/25</td>
<td>$105.00</td>
<td>$66.8K</td>
<td>3.8K</td>
<td>2.1K</td>
</tr>
<tr>
<td>PYPL</td>
<td>PUT</td>
<td>TRADE</td>
<td>BULLISH</td>
<td>01/15/27</td>
<td>$95.00</td>
<td>$2.3 million</td>
<td>58</td>
<td>950</td>
</tr>
<tr>
<td>GLXY</td>
<td>CALL</td>
<td>SWEEP</td>
<td>BULLISH</td>
<td>07/25/25</td>
<td>$23.50</td>
<td>$27.7K</td>
<td>368</td>
<td>816</td>
</tr>
<tr>
<td>MS</td>
<td>CALL</td>
<td>SWEEP</td>
<td>BULLISH</td>
<td>07/18/25</td>
<td>$130.00</td>
<td>$82.0K</td>
<td>5.2K</td>
<td>121</td>
</tr>
<tr>
<td>UPST</td>
<td>CALL</td>
<td>TRADE</td>
<td>BEARISH</td>
<td>12/19/25</td>
<td>$110.00</td>
<td>$31.3K</td>
<td>672</td>
<td>52</td>
</tr>
<tr>
<td>BN</td>
<td>CALL</td>
<td>SWEEP</td>
<td>BULLISH</td>
<td>08/15/25</td>
<td>$60.00</td>
<td>$28.4K</td>
<td>104</td>
<td>30</td>
</tr>
</tbody>
</table>

<h2>Explanation</h2>
These bullet-by-bullet explanations have been constructed using the accompanying table. 
• Regarding COIN (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/COIN#NASDAQ">COIN</a>), we observe a call option trade with bearish sentiment. It expires in 2 day(s) on July 18, 2025. Parties traded 55 contract(s) at a $400.00 strike. The total cost received by the writing party (or parties) was $61.3K, with a price of $1115.0 per contract. There were 14984 open contracts at this strike prior to today, and today 15976 contract(s) were bought and sold. 
• For JPM (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/JPM#NYSE">JPM</a>), we notice a call option trade that happens to be bearish, expiring in 30 day(s) on August 15, 2025. This event was a transfer of 4400 contract(s) at a $315.00 strike. The total cost received by the writing party (or parties) was $154.0K, with a price of $35.0 per contract. There were 1612 open contracts at this strike prior to today, and today 5637 contract(s) were bought and sold. 
• Regarding SOFI (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SOFI#NASDAQ">SOFI</a>), we observe a put option trade with bearish sentiment. It expires in 30 day(s) on August 15, 2025. Parties traded 5000 contract(s) at a $13.00 strike. The total cost received by the writing party (or parties) was $40.0K, with a price of $8.0 per contract. There were 14273 open contracts at this strike prior to today, and today 5005 contract(s) were bought and sold. 
• Regarding WFC (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WFC#NYSE">WFC</a>), we observe a call option sweep with bearish sentiment. It expires in 30 day(s) on August 15, 2025. Parties traded 2500 contract(s) at a $87.50 strike. This particular call needed to be split into 25 different trades to become filled. The total cost received by the writing party (or parties) was $40.2K, with a price of $16.0 per contract. There were 4322 open contracts at this strike prior to today, and today 4691 contract(s) were bought and sold. 
• Regarding HOOD (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HOOD#NASDAQ">HOOD</a>), we observe a call option sweep with bearish sentiment. It expires in 30 day(s) on August 15, 2025. Parties traded 80 contract(s) at a $105.00 strike. This particular call needed to be split into 13 different trades to become filled. The total cost received by the writing party (or parties) was $66.8K, with a price of $835.0 per contract. There were 3820 open contracts at this strike prior to today, and today 2131 contract(s) were bought and sold. 
• Regarding PYPL (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PYPL#NASDAQ">PYPL</a>), we observe a put option trade with bullish sentiment. It expires in 548 day(s) on January 15, 2027. Parties traded 950 contract(s) at a $95.00 strike. The total cost received by the writing party (or parties) was $2.3 million, with a price of $2450.0 per contract. There were 58 open contracts at this strike prior to today, and today 950 contract(s) were bought and sold. 
• For GLXY (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/GLXY#NASDAQ">GLXY</a>), we notice a call option sweep that happens to be bullish, expiring in 9 day(s) on July 25, 2025. This event was a transfer of 200 contract(s) at a $23.50 strike. This particular call needed to be split into 4 different trades to become filled. The total cost received by the writing party (or parties) was $27.7K, with a price of $139.0 per contract. There were 368 open contracts at this strike prior to today, and today 816 contract(s) were bought and sold. 
• Regarding MS (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MS#NYSE">MS</a>), we observe a call option sweep with bullish sentiment. It expires in 2 day(s) on July 18, 2025. Parties traded 100 contract(s) at a $130.00 strike. This particular call needed to be split into 6 different trades to become filled. The total cost received by the writing party (or parties) was $82.0K, with a price of $820.0 per contract. There were 5262 open contracts at this strike prior to today, and today 121 contract(s) were bought and sold. 
• Regarding UPST (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/UPST#NASDAQ">UPST</a>), we observe a call option trade with bearish sentiment. It expires in 156 day(s) on December 19, 2025. Parties traded 39 contract(s) at a $110.00 strike. The total cost received by the writing party (or parties) was $31.3K, with a price of $805.0 per contract. There were 672 open contracts at this strike prior to today, and today 52 contract(s) were bought and sold. 
• Regarding BN (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BN#NYSE">BN</a>), we observe a call option sweep with bullish sentiment. It expires in 30 day(s) on August 15, 2025. Parties traded 50 contract(s) at a $60.00 strike. This particular call needed to be split into 6 different trades to become filled. The total cost received by the writing party (or parties) was $28.4K, with a price of $560.0 per contract. There were 104 open contracts at this strike prior to today, and today 30 contract(s) were bought and sold. 
Options Alert Terminology 
 - Call Contracts: The right to buy shares as indicated in the contract. 
 - Put Contracts: The right to sell shares as indicated in the contract. 
 - Expiration Date: When the contract expires. One must act on the contract by this date if one wants to use it. 
 - Premium/Option Price: The price of the contract. 
For more information, visit our <a href="https://pro.benzinga.com/blog/how-to-understand-option-alerts/">Guide to Understanding Options Alerts</a> or read <a href="https://www.benzinga.com/markets/options">more news on unusual options activity</a>. 
This article was generated by Benzinga's automated content engine and reviewed by an editor.

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<a href="https://developer.paypal.com/community/blog/paypal-integration-in-claude">https://developer.paypal.com/community/blog/paypal-integration-in-claude</a>

General

'PayPal Integration in Claude: Revolutionizing Commerce'- PayPal Community Blog

PayPal shares are trading higher after Seaport Global upgraded the stock from Sell to Neutral.

<a href="https://www.benzinga.com/fintech">Fintech firms</a> are likely to report "solid" results for the second quarter, while projecting accelerated sequential revenue growth for the third quarter, according to Seaport Research Partners.
<a href="https://www.benzinga.com/analyst-stock-ratings/analyst/596cbbbf988ca80001cea513/jeff-cantwell">Analyst Jeff Cantwell</a> said in the note that risks to revenues and earnings from tariff-related impacts "have faded somewhat since last quarter."
Check out <a href="https://www.benzinga.com/analyst-stock-ratings">other analyst stock ratings</a>.
Mastercard: Cantwell upgraded the rating for Mastercard Inc (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MA#NYSE">MA</a>) from Neutral to Buy, with a price target of $616. Mastercard's growth should remain strong in 2025 and 2026, with double-digit revenue and earnings growth, the analyst stated. The concerns around stablecoin-related "disintermediation risks" appear overblown and the recent pullback in the stock creates a buying opportunity, he added. The Purchase, New York-based firm is likely to "create new growth opportunities in crypto via partnering," while agentic commerce could become another new source of revenue.
PayPal: The analyst upgraded the rating for PayPal Holdings Inc (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PYPL#NASDAQ">PYPL</a>) from Sell to Neutral. Despite the tariff impact, PayPal is likely to generate 8%-10% checkout growth, Cantwell said. The company has indicated that the potential impacts from tariffs are manageable, particularly in markets like China. "We also like some of PayPal&#8217;s recent moves operationally, particularly with Venmo and also stablecoins (PYUSD) — we expect these to be incremental to PayPal&#8217;s growth over time," the analyst further wrote.
Price Action: Shares of Mastercard had risen by 1.05% to $555.95, while PayPal's shares had climbed by 3.31% to $73.72 at the time of publication on Monday.
Read More: 
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<li><a href="https://www.benzinga.com/trading-ideas/movers/25/07/46377201/fintech-stocks-slip-as-jpmorgan-plans-data-access-fees-but-affirm-defies-the-trend">Fintech Stocks Slip As JPMorgan Plans Data Access Fees, But Affirm Defies The Trend</a></li>
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Seaport Global analyst Jeff Cantwell upgrades PayPal Holdings (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PYPL#NASDAQ">PYPL</a>) from Sell to Neutral.

Seaport Global Upgrades PayPal Holdings to Neutral

Several payments and fintech stocks such as Affirm Holdings Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AFRM#NASDAQ">AFRM</a>), PayPal Holdings Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PYPL#NASDAQ">PYPL</a>) and Mastercard Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MA#NYSE">MA</a>) are under pressure this week after JPMorgan Chase &amp; Co. announced it will begin charging significant fees for access to customer <a href="https://www.benzinga.com/analyst-stock-ratings/analyst-color/25/07/46224144/affirm-holdings-impact-of-walmart-klarna-deal-higher-mix-of-zeroes">bank account data.</a>
What To Know: Investors are reacting to JPMorgan&#8217;s pricing sheets, which were sent to major data aggregators like Plaid and MX. These companies serve as the intermediaries between banks and fintech platforms, facilitating the flow of customer data that powers services such as payments, lending and digital wallets. JPMorgan now plans to charge fees that vary based on how companies use the data, with the steepest charges targeting payment-focused firms, <a href="https://www.bloomberg.com/news/articles/2025-07-11/jpmorgan-tells-fintechs-they-have-to-pay-up-for-customer-data">according to Bloomberg.</a>
Historically, fintechs have accessed this data for free. JPMorgan argues that it has invested heavily in secure infrastructure to protect consumers and says the new fees reflect the cost of maintaining that system. However, for many fintech firms, including crypto wallets, trading apps and buy-now-pay-later platforms like Affirm, the added costs could erode margins and challenge existing business models.
Affirm's modest gain may reflect investor belief that the company is less exposed to the near-term effects of JPMorgan's fee structure compared to peers like PayPal. Still, Affirm's operations rely on access to bank account information for underwriting and repayment and the company could face pressure if aggregators pass along these new costs.
As negotiations continue and the future of open banking in the U.S. remains unresolved, fintech investors are bracing for a period of heightened volatility and strategic recalibration.
Price Action: Affirm shares were down 4.87% at $65.20, PayPal shares were down 5.27% at $71.71 and Mastercard shares were down 2.41% at $549.96 at the time of writing, according to <a href="https://pro.benzinga.com/dashboard?new_user=False&amp;backend=google-oauth2">Benzinga Pro.</a>
Read Next:
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<li><a href="https://www.benzinga.com/markets/market-summary/25/07/46374536/wall-street-today-trump-eu-tariffs-gold-rallies-silver-bitcoin">Tariff Jitters Hit Stocks, Silver Jumps To 14-Year Highs: What&#8217;s Moving Markets Friday?</a></li>
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Image Via Shutterstock.

Fintech Stocks Slip As JPMorgan Plans Data Access Fees, But Affirm Defies The Trend

SEZL

Shares of several payments and fintech stocks are trading lower following a comment from JP Morgan that fintech companies will have to pay up for customer data.

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