PayPal Holdings, Inc. ( PYPL ) has been a source of debate for some time now, being that it basically finds new lows every month. The reality is that the financial/payment industry has changed significantly, and PayPalI am a full-time equity analyst and the co-founder of Mina Vista Capital Management, a hedge fund that my business partner, William Hazen, and I started. I look for long-term investment opportunities with a focus on fundamentals. I’ve done extensive research on industries such as energy, techn ...