Just saw PayPal got absolutely hammered on the stock market today - down over 20% after their earnings report came out. They missed on revenue and EPS, which is never a good look, and then management basically said 'yeah, we're cutting our profit forecast for 2026 too.' Like, if you're already missing numbers, why would you also lower guidance? That's a one-two punch that kills stock prices. On top of that, they announced their CEO is leaving and getting replaced by someone from HP. Trading volume was insane - like 800% above normal, so everyone was bailing out. The broader stock market today wasn't great either, with Nasdaq down 1.43%, but payment stocks especially got hit. I saw Fiserv dropped 7.66% too, so investors are clearly rethinking the whole payments sector right now. PayPal's still a big player in digital payments, but missing your own targets and swapping out leadership is rough. Curious to see if this is a buying opportunity or if there's more pain coming. What's your take - is this a panic sell or does PayPal have real problems?