{
  "id": 2937145,
  "title": "Here’s What You Should Buy Over PayPal Holdings, Inc. (NASDAQ:PYPL) According To Jim Cramer",
  "url": "https://urgent.news/2026/08/22/heres-what-you-should-buy-over-paypal-holdings-inc-nasdaq-pypl",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-08-22T23:52:43.000Z",
  "source": {
    "name": "Yahoo Finance",
    "slug": "yahoo-finance",
    "url": "https://finance.yahoo.com/markets/stocks/articles/buy-over-paypal-holdings-inc-235243531.html"
  },
  "original_language": "en",
  "account": "Financial technology companies SoFi Technologies and PayPal Holdings have seen different stock performance in 2026. While SOFI has dropped 31% year-to-date, PYPL has risen by 5.9%. PayPal's stock has mostly benefited from takeover speculation, but host Jim Cramer remains skeptical about recommending the stock based on that factor alone. Cramer criticized analysts for constantly recommending fin-tech firms, including SoFi, Klarna, and PayPal. He suggested not reiterating the stocks daily and letting them reach their downside before considering a recommendation. The discrepancy in valuation between SOFI and PayPal is evident, with SOFI's forward P/E ratio at 31.55 versus PayPal's 11.79. SOFI's struggle stems from its transformation from a student loan provider to a digital bank. Its financial services and technology platforms are central to its value narrative, but they face challenges such as high deposit costs and a transition away from large clients. PayPal, on the other hand, is focusing on turnaround strategies like checkout performance improvements, AI modernization, cost savings, and Venmo growth. Should PayPal achieve its $1.5 billion in gross run rate savings and generate earnings power, it could see tailwinds. However, mobile wallets pose a threat to PayPal's core business, and its top line growth depends on processing fees, which are not margin-advantageous. In Q1, 76 of 1,022 covered stocks by Insider Monkey held PayPal shares, compared to 47 for SOFI, suggesting a more cautious sentiment towards the former.",
  "summary": null,
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}