PayPal reported its latest quarterly earnings with a mixed performance that led to a decline in its stock price. The company missed revenue expectations despite beating profit estimates, which raised concerns among investors. PayPal now has 436 million active accounts, up from 427 million in the same quarter last year, and processed over $1.2 trillion in payment volume. The earnings call highlighted strong financial performance and profitable growth driven by improvements in payment service provider profitability, Venmo, credit, and transaction expense management. Despite the revenue miss, PayPal maintained its full-year profit guidance and has been trimming costs amid broader economic uncertainties, including trade war concerns. Seaport Research downgraded PayPal's stock to Sell from Neutral, citing challenges in meeting growth targets amid a potential slowdown in discretionary spending, and set a price target of $49. Some analysts, however, see potential for a stock rebound given PayPal's low price-to-earnings ratio and a projected 21% upside.