The PYPL stock hit a 6-year low recently. However, it is moving to the upside post the earnings report. Across all of their platforms, PayPal has about 450M monthly active users. Venmo is a service that the fintech company provides. Kevin Hincks says that competitors like Block (SQ) and SoFi (SOFI) are at PayPal's heels. How does Zelle factor in? Nick Theodorakos says that PayPal has not yet figured out the monetization growth like credit card companies.