Buy PYPL by Mar 24, 2029.

Apple is sitting on roughly $167 billion in cash and marketable securities. For years, the market has speculated on what Tim Cook will do with it. After running the numbers and looking at Apple’s recent fintech struggles, I believe the answer is hiding in plain sight: PayPal (PYPL). PayPal’s market cap has contracted sharply from its 2021 peak of $340B down to the $65–70B range today. At these levels, it is arguably the most attractively priced large-cap fintech asset in …