Joseph Carlson on PayPal (PYPL): the quotes, dated.
6 dated quotes about PayPal stock (PYPL), selected from all 118 Joseph Carlson videos published since 2025-09-10 — a selected record, not the complete history. Each links to the exact second on YouTube, with PYPL’s close that day and what the stock did since.
Every quote is reproduced word for word from the video and linked to the second it was said.
- PYPL close, 2026-10-28
- $56.55
- Price since the first forecast, Dec 29, 2025
- -4.9%
- S&P 500 (SPY), same period
- +12.3%
- vs the S&P 500
- -17.2 pp
- Latest stance, Jul 27, 2026
- Risk acknowledged
- Mentions found
- 38 in 9 of 118 videos
The short version
In December 2025 Joseph Carlson, ranking 2025's best and worst stocks, said PayPal's transactions per account were trending downwards, calling it an important KPI. They argued that unless PayPal could dramatically grow transactions per account or user numbers, the stock was not going anywhere. They said they were not bullish and named Mastercard, Visa, Toast and Square as companies they would prefer. In July 2026, previewing that week's earnings, Carlson said they did not like PayPal stock, that investors should sell it, and that they would make the bear case. They described the company as convoluted and unwieldy and said it had not innovated for a long time, contrasting it with Robinhood.
Summary of the quotes on this page. Updated .
What Joseph Carlson said last · Jul 27, 2026
Risk acknowledged
“You have a company like PayPal that hasn't innovated anything anything cool for a long period of time. It's basically been been the same product.”
Bearish call · Price fell
The price fell since the first bearish quote.
PYPL from to . Price movement, not the creator’s realized return.
Price up since 3 of 6 quotes · Stock ahead of SPY: 0 of 6
Leaderboard result: Beat the market (6 months, → ). Scored from the first close after the video, . How it is scored
Price and the calls
Use the left and right arrow keys to explore daily closing prices, Home and End for the first and last date, and Escape to dismiss the price tooltip. Tab to a numbered marker and press Enter to jump to its quote. Month-end prices are also available in the table below.
PYPL · daily close, split-adjusted · 2025-09-23 → 2026-10-28 · source: Yahoo Finance
Table view: month-end closes
| Month end | Close |
|---|---|
| 2025-09-30 | $67.06 |
| 2025-10-31 | $69.27 |
| 2025-11-28 | $62.69 |
| 2025-12-31 | $58.38 |
| 2026-01-30 | $52.69 |
| 2026-02-27 | $46.21 |
| 2026-03-31 | $45.23 |
| 2026-04-30 | $50.14 |
| 2026-05-29 | $44.75 |
| 2026-06-30 | $43.18 |
| 2026-07-31 | $57.21 |
| 2026-08-31 | $52.67 |
| 2026-09-30 | $52.53 |
| 2026-10-28 | $56.55 |
Use the left and right arrow keys to explore daily closing prices, Home and End for the first and last date, and Escape to dismiss the price tooltip. Tab to a numbered marker and press Enter to jump to its quote. Month-end prices are also available in the table below.
PYPL · daily close, split-adjusted · 2025-09-23 → 2026-10-28 · source: Yahoo Finance
Table view: month-end closes
| Month end | Close |
|---|---|
| 2025-09-30 | $67.06 |
| 2025-10-31 | $69.27 |
| 2025-11-28 | $62.69 |
| 2025-12-31 | $58.38 |
| 2026-01-30 | $52.69 |
| 2026-02-27 | $46.21 |
| 2026-03-31 | $45.23 |
| 2026-04-30 | $50.14 |
| 2026-05-29 | $44.75 |
| 2026-06-30 | $43.18 |
| 2026-07-31 | $57.21 |
| 2026-08-31 | $52.67 |
| 2026-09-30 | $52.53 |
| 2026-10-28 | $56.55 |
What Joseph Carlson said, when
- 1
— Risk acknowledged
26:15 “The transactions per account are trending downwards. This is an important KPI.”
In a ranking of 2025's best and worst stocks, Carlson explained why they thought PayPal kept underperforming.
- 2
— Conditional
26:38 “Unless PayPal can dramatically grow the transactions per account or the amount of users using the account, this stock isn't going anywhere.”
Carlson described transactions per account and user numbers as the two KPIs driving the company.
- 3
— Avoid
26:45 “I'm not bullish on PayPal. If it were me, I would buy different companies, which I have like Mastercard, Visa, even more vertically integrated ones like Toast or For or ones that are more specific, maybe Square.”
- 4
— Avoid
0:38 “I don't like PayPal stock. I think investors should sell it and I'll be making the bare case for this company.”
Carlson was previewing the companies due to report earnings that week.
- 5
— Risk acknowledged
4:46 “No, PayPal is convoluted, complex in all the wrong ways. It is a company that is unwieldy.”
Carlson contrasted PayPal's complexity with that of Amazon or Google, which they described as having many quality assets growing independently.
- 6
— Risk acknowledged
18:44 “You have a company like PayPal that hasn't innovated anything anything cool for a long period of time. It's basically been been the same product.”
Carlson was comparing PayPal with Robinhood, whose pace of new product launches they praised.
No quote added since · 25 later videos from Joseph Carlson · covers videos through
Other creators on PYPL
- Jeremy LefebvreRisk acknowledged+18.7%
- Everything MoneyNamed as a pick-15.7%
- Sven CarlinMention+40.4%
- Stocks with JoshHold, bullish-20.7%
More from Joseph Carlson
All 19 companies →- Tesla TSLARisk acknowledged-7.1%
- Netflix NFLXDisclosed buy-49.5%
- S&P Global SPGIDisclosed buy-6.4%
- Uber UBERDisclosed buy-4.9%
- Alphabet GOOGLHold, bullish-3.9%
- Amazon AMZNRisk acknowledged+14.6%
How to read this
Quotes are short excerpts from Joseph Carlson's public YouTube videos, attributed to the speaker and linked to the timestamp. “Close that day” is PYPL's split-adjusted closing price on the day the video was published (New York time); if markets were closed that day, the last close before it. If the stock has split since a quote, the card shows the price it traded at that day and, beneath it, the split-adjusted close the % change uses. “Since” compares that close with the latest close on 2026-10-28. It is a price observation, not the creator's realized return, and not investment advice. How the price change is calculated. Next to it we show SPY, the ETF tracking the S&P 500, over the same two dates — so a move can be read against the market rather than on its own: why we compare with SPY. Each quote also carries a label — Named as a pick, Risk acknowledged, Reducing — describing what kind of statement it was: see what the labels mean.
Coverage: 118 of 118 videos published since 2025-09-10 covered; 38 PayPal mentions found. Prices as of 2026-10-28.
Independent record — not affiliated with or endorsed by Joseph Carlson. Request a correction or removal