LQAI0.560%
as of Oct 22
PYPL
GrowthPAYPAL HOLDINGS INC.
PayPal Holdings, Inc. operates a technology platform that enables digital payments for merchants and consumers worldwide. The company operates a two-sided network at scale that connects merchants and consumers that enables its customers to connect, transact, and send and receive payments through online and in person, as well as transfer and withdraw funds using various funding sources, such as bank accounts, PayPal or Venmo account balance, consumer credit and debit products, credit and debit cards, and cryptocurrencies, as well as other stored value products, including gift cards and eligible rewards. It provides payment solutions under the PayPal, PayPal Credit, Braintree, Venmo, Xoom, Hyperwallet, Honey, and Paidy names.
Close · 3M
+34.20%
Held by 3 AI ETFs
Signal performance
Each tracked ETF's moves on this stock, grouped by fund. Returns are measured from the signal date to the latest close — hypothetical, no commissions or slippage.
Buy signals18
Win rate72% (13/18)
Avg buy return+1.85%
LQAI · Weight increase · 2d
weight 0.530% → 0.550% (+0.020 pp)·stock up 8.4% in the 30 days before
Oct 15·entry $57.16·now $57.02Fresh
-0.24%
since Oct 15
LQAI · New entry · 1d
weight 0 → 0.520% (new)·stock up 0.4% in the 30 days before
Sep 29·entry $53.89·now $57.02Drifting
+5.81%
since Sep 29
LQAI · Exit · 1d
weight 0.360% → 0 (exited)·stock up 34.2% in the 30 days before
Aug 6·entry $59.78·now $57.02
-4.62%
since Aug 6
-0.33%
since Jul 31
-2.28%
since Jul 29
AIEQ · New entry · 1d
weight 0 → 0.470% (new)·stock up 1.3% in the 30 days before
Oct 1·entry $53.06·now $57.02Drifting
+7.46%
since Oct 1
-1.47%
since Aug 2
-1.09%
since Jul 30
+1.69%
since Jul 26
+2.09%
since Jul 21
BUZZ · Sudden change · 1d
weight 1.240% → 0.350% (-0.890 pp)·stock up 8.4% in the 30 days before
Oct 15·entry $57.16·now $57.02
-0.24%
since Oct 15
BUZZ · Accumulation · 5d
weight 1.110% → 1.240% (+0.130 pp)·stock up 4.3% in the 30 days before
Oct 14·entry $56.10·now $57.02Fresh
+1.64%
since Oct 14
BUZZ · Accumulation · 5d
weight 1.080% → 1.190% (+0.110 pp)·stock up 4.0% in the 30 days before
Oct 13·entry $56.17·now $57.02Fresh
+1.51%
since Oct 13
BUZZ · Weight increase · 2d
weight 1.110% → 1.150% (+0.040 pp)·stock up 5.5% in the 30 days before
Oct 8·entry $55.02·now $57.02Drifting
+3.64%
since Oct 8
BUZZ · Weight decrease · 2d
weight 1.130% → 1.090% (-0.040 pp)·stock down 0.3% in the 30 days before
Sep 30·entry $52.53·now $57.02
+8.55%
since Sep 30
BUZZ · Weight increase · 2d
weight 1.060% → 1.130% (+0.070 pp)·stock down 11.7% in the 30 days before
Sep 28·entry $54.28·now $57.02Drifting
+5.05%
since Sep 28
BUZZ · Weight decrease · 3d
weight 1.120% → 1.050% (-0.070 pp)·stock down 14.1% in the 30 days before
Sep 22·entry $52.89·now $57.02
+7.81%
since Sep 22
BUZZ · Weight decrease · 2d
weight 1.120% → 1.060% (-0.060 pp)·stock down 15.5% in the 30 days before
Sep 21·entry $52.62·now $57.02
+8.36%
since Sep 21
BUZZ · Weight increase · 2d
weight 0.940% → 0.960% (+0.020 pp)·stock down 12.7% in the 30 days before
Sep 15·entry $53.81·now $57.02Drifting
+5.97%
since Sep 15
BUZZ · Weight decrease · 3d
weight 0.990% → 0.900% (-0.090 pp)·stock down 11.7% in the 30 days before
Sep 9·entry $52.17·now $57.02
+9.30%
since Sep 9
BUZZ · Weight decrease · 2d
weight 0.990% → 0.910% (-0.080 pp)·stock down 10.0% in the 30 days before
Sep 8·entry $53.18·now $57.02
+7.22%
since Sep 8
BUZZ · Weight increase · 3d
weight 0.940% → 0.990% (+0.050 pp)·stock down 1.9% in the 30 days before
Sep 3·entry $56.82·now $57.02Fresh
+0.35%
since Sep 3
BUZZ · Weight increase · 2d
weight 0.940% → 0.980% (+0.040 pp)·stock down 6.6% in the 30 days before
Sep 2·entry $54.67·now $57.02Drifting
+4.30%
since Sep 2
BUZZ · Weight decrease · 3d
weight 1.100% → 0.940% (-0.160 pp)·stock down 7.9% in the 30 days before
Aug 31·entry $52.66·now $57.02
+8.27%
since Aug 31
BUZZ · Weight decrease · 2d
weight 1.100% → 0.960% (-0.140 pp)·stock down 6.9% in the 30 days before
Aug 28·entry $53.66·now $57.02
+6.26%
since Aug 28
BUZZ · Weight decrease · 2d
weight 0.820% → 0.800% (-0.020 pp)·stock up 25.0% in the 30 days before
Aug 12·entry $59.20·now $57.02
-3.68%
since Aug 12
-2.28%
since Jul 29
-2.23%
since Jul 28
+1.55%
since Jul 24
+0.35%
since Jul 20
Sell signals show what the stock did after the AI exited. A negative number means the AI's exit was well-timed.
Buffett-style framework
Too hard to callas of Jul 19
The AI ETFs (AIEQ, BUZZ, LQAI) show a recent trend of increasing their holdings in PayPal, indicating a positive outlook or accumulation strategy for them. This contrasts sharply with a Buffett-style framework, which finds the company's long-term earning power too unpredictable to confidently analyze, leading to a "Too Hard" verdict despite current valuation metrics.
- Circle of CompetenceThe digital payments industry faces continuous structural disruption and intense competition, making the long-term predictability of PayPal's unit economics and earning power genuinely difficult to project over a ten-year horizon.
- Economic MoatCannot assess this stage, as the company falls outside the circle of competence.
- ManagementCannot assess this stage, as the company falls outside the circle of competence.
- Financial HealthCannot assess this stage, as the company falls outside the circle of competence.
- Margin of SafetyCannot assess this stage, as the company falls outside the circle of competence.
A Buffett-style analysis concludes that PayPal falls outside the circle of competence due to the unpredictable nature of the rapidly evolving digital payments industry and its intense competitive landscape. While the company's current financial metrics may appear attractive, the inability to reliably project future cash flows prevents a deeper assessment of its economic moat, management, or intrinsic value.
Educational interpretation generated by AI applying frameworks Warren Buffett documented in his shareholder letters and other public writings. Not a statement by Mr. Buffett or Berkshire Hathaway, and not investment advice.