The analysis evaluates PayPal (PYPL) using revenue growth, return on invested capital, and cash flow. Revenue has tripled in the last decade, with a 13.5% compound annual growth rate, but recent quarters show slower growth. A competitive advantage is seen in e-commerce convenience, but disruption risks exist from companies like Apple. A discounted cash flow model is used, and a 25% increase to the beta (risk measurement) is applied, setting the fair value at $100.58, given its current trading value of $63.21. This results in a buy recommendation.