PayPal Holdings, Inc. remains a Strong Buy, with conviction supported by a total shareholder yield now exceeding 15% and robust buyback activity. Recent leadership change brings renewed confidence, with new CEO Enrique Lores prioritizing operational streamlining and $1.5 billion in targeted cost savings over 2–3 years. Q1 results show 7.1% revenue growth, resilient user metrics, and growing value-added services, including significant loan origination expansion.