"If it weren't difficult enough to forecast with the reopening of the economy, we overlay eBay on top of the supply chain issues and inflationary pressures and the impact that can have on our business. Nevertheless, PayPal's revenue and net income continue marching higher with each passing quarter, making the stock's underperformance this year unwarranted. Earlier this year, the leadership team introduced an updated PayPal mobile app, with features like a full digital wallet, high-yield savings account, shopping deals and rewards, and bill pay.