Subject: Paypal
US tech that's not single digits but cheaper than Meta and Alphabet @ 16 earnings and well represented by Superinvestors holding and still buying recently.

Interested in your thoughts.....

Revenue is increasing but margins are declining slightly year on year, net income and EPS seem to have flatlined over the last 5 years, ROE and ROI seem to have stabilized and are increasing slightly, they are buying back shares.

Not as much of a moat as it once had, competition, losing market share, weakening margins?

3.35 EPS x 5 years @ 10% $5.4 x 20 PE $108, 12% desired return equates to $61 today. Seems fairly valued?