They've done an amazing job and are masterful acquirers. A brilliant chart. If you own this, hold it, definitely. But it's riskier as they grow internationally in Europe. Credit the management team for building this company. A Canadian success story that has flourished even in the States.

This field is getting crowded with Apple Pay coming, though PayPal is a good business. People are using their phones to pay more and more, especially in China which has its own digital payments systems. PayPal's best growth is behind them.