I bought in a few months ago and am currently down -22%. I do not see that with all the massive AI wave Paypal is not going to be able to cut their costs by at least 30% in total. Costumer service, transaction observation and a whole lot of other areas could be easily outsourced to AI agents.
So i might be a bagholder for sone tine but i still believe that the stock is undervalued and missunderstood.