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Rothschild Redburn Downgrades $PYPL to Sell from Neutral, Lowers PT to $50 from $70 Analyst comments: "While PayPal should, in theory, be well positioned for agentic commerce given its scale and trusted credentials, we see this advantage eroding as consumer behaviour shifts. PayPal’s active user base of c. 400 million remains the largest of the payment businesses, but the marginal consumer is increasingly choosing alternative payment methods, with Shop Pay, Stripe Link, BNPL wallets, Apple Pay, and Google Pay winning the incremental user. Agentic commerce accelerates this pressure by propelling PayPal’s main incremental rivals, resulting in a dilution of PayPal’s already high take rates. As such, we forecast branded volumes continuing to decelerate, with online branded volume growth flatlining and take rates reducing. With branded remaining over 70% of group net revenues, this results in transaction margin dollars remaining stagnant. We cut our 2027 and 2028 EPS forecasts by 15–25%, leaving us 15–20% below consensus. Within the payments sector, there has been little valuation support for those businesses perceived to be structurally challenged; as such, our price target of $50 (from $70) is purely EPS-driven." Analyst: Dominic Ball