A look at how Shift4 Payments, Upstart Holdings, and PayPal are shaking up the fintech world with earnings reports, analyst upgrades, and Venmo's rising game.
A look at how Shift4 Payments, Upstart Holdings, and PayPal are shaking up the fintech world with earnings reports, analyst upgrades, and Venmo's rising game.

I'm Back and So Are These Stocks

Alright alright settle down folks. MJ's here to break down what's happening with these fintech companies. Seems like Shift4 Payments Upstart Holdings and even PayPal are making some noise. You know like when I'd drop 40 in a playoff game – unexpected but definitely something to talk about. Shift4 is doing the equivalent of a fadeaway jumper over a double team Upstart is staging a comeback from being down 20 points and PayPal? Well they're trying to figure out how to monetize Venmo. It's like trying to teach Scottie Pippen to shoot threes – potential is there but it needs work!

Shift4's 'Be Like Mike' Moment

Shift4 Payments? They’re not just playing the game; they’re changing it. Earnings through the roof guidance raised. They're expanding into stadiums gaming and travel. It's like when I decided to play baseball – unexpected but you gotta try new things right? This company is like when I tell myself 'Just play. Have fun. Enjoy the game'. They're not just surviving they are thriving!

Upstart's Bank of America Assist

Upstart got a little love from Bank of America. An upgrade a price target. It’s like getting a good pass from Pippen when you need a bucket. They're diversifying their loan portfolio which is key. They are coming back from a 45% fall it's like when I came back from retirement in 1995 – people doubted but you know I always deliver. They are expanding their addressable market beyond subprime borrowers and reducing its reliance on riskier credit segments. I always tell myself 'If you quit once it becomes a habit. Never quit!!!'

PayPal's Venmo: Is It Game Time?

PayPal with Venmo is like having a rookie with potential. Revenue is up but there's still work to do. It's got competition from Zelle and Square Cash. But Venmo is up 20% year over year I mean I always play to win I give it my 100% all the time. It's a popular service but turning that popularity into serious cash? That's the championship ring they're chasing. I always tell myself 'If you are afraid to fail then you are probably going to fail'

Mizuho Sees the Potential

Analysts at Mizuho see a rebound for PayPal. They noted that branded total payment volume rose 6% year over year excluding leap day effects – a better result than expected. They are sticking to their growth targets despite the 'macroeconomic uncertainty'. That's like me telling myself to 'Just do it' even when the game is on the line.

MJ's Final Buzzer Beater on Fintech

So there you have it. Fintech is like basketball – fast paced competitive and always changing. Shift4's got the hot hand Upstart is clawing back and PayPal is looking to solidify its position. Remember whether it's on the court or in the stock market 'You have to expect things of yourself before you can do them.' Now if you'll excuse me I have a tee time to catch and more importantly time to spend my investments on a nice cigar.


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