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PayPal (PYPL): Why Morgan Stanley Isn’t Buying the Stock Hype in 2025

PayPal (PYPL): Why Morgan Stanley Isn’t Buying the Stock Hype in 2025

Author:
WatcherWGuru
Published:
2025-12-18 19:52:00
11
3

PayPal (PYPL): Why Morgan Stanley Doesn’t Buy the Stock Hype

Morgan Stanley throws cold water on PayPal's rally—and Wall Street scrambles to explain why.

The Skeptic's Playbook

While retail investors chase momentum, the institutional giant remains unmoved. Analysts point to a familiar story: legacy payment rails straining under the weight of digital-native competition. Transaction margins get squeezed, growth forecasts get trimmed, and suddenly that 'disruptor' label starts to look a bit nostalgic.

Digital Wallets vs. The Future of Money

Here's the quiet part no one on the earnings call says aloud: the real innovation isn't happening in traditional fintech boardrooms. It's happening on-chain. PayPal's embrace of crypto feels more like hedging a bet than building a new paradigm—a toe in the water while decentralized finance rebuilds the entire pool.

The Real Bottom Line

Morgan Stanley's stance cuts through the noise. It's not just about next quarter's earnings—it's about which platforms actually control the rails of value transfer in 2025 and beyond. Sometimes the smartest trade is recognizing when you're betting on the past. After all, on Wall Street, yesterday's disruptor is just tomorrow's value trap waiting to happen.

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