help me write one sentence to sum up the purpose of this website: "Key highlights
US consumer sentiment, as measured by the University of Michigan, showed improvement in the overall outlook. The Index of Consumer Sentiment increased by 11% from June to July, reaching its highest level since October 2021. This positive shift can be attributed to a decline in inflation in recent months and consumers feeling more optimistic about the future of the economy. Additionally, the US Census Bureau's updated retail monthly sales data revealed a continued acceleration in non-store sales, serving as a proxy for eCommerce. Year-over-year growth for non-store sales reached 9.9% in June, up from 9.3% in May and 5.3% in April.

The resilient US economy is encouraging for PayPal's business. PayPal (PYPL) is set to announce its 2Q 2023 results on August 2. PYPL’s revenue and TPV prospects improved in Q1 2023, with a 10% increase in TPV spot and 12% increase in FXN YoY. Transactions grew by 13%, reaching 5.8bn. It generated $1.0bn in free cash flow and returned $1.4bn to shareholders through share buyback. PYPL has raised its earning guidance for FY23 as well as better margins. Share price has dropped ~80% from its historical high $308.5 (Jul 2021) to recent low $59.4 (May 2023) and rebounded to current $75 level. Valuation is undemanding with 12-mth forward PE trading at 13.8x.

Why now?
US macro data shows signs of resilience of economy and consumers sentiment is improving.
PYPL's revenue and total payment volume (TPV) prospects have improved in the first quarter of 2023, with TPV experiencing a 10% increase in spot and a 12% increase in FXN YoY. Additionally, the number of transactions has grown by 13% to reach 5.8 bn.
In 1Q2023, PYPL surpassed expectations across the board, reflecting strong revenue growth and efficient management of operating expenses. The company also generated $1.0 bn in free cash flow, which accounts for approximately 20% of its revenue. PYPL has returned $1.4 billion to its stockholders through share repurchases.
Management has raised its non-GAAP EPS guidance for the FY23, expecting to grow ~20% to $4.95 and non-GAAP operating margin expected to expand at least ~100bps.
Valuation is undemanding: PYPL is currently trading at 13.8x for its 12-month forward PE vs. 2-year average of 24x and 5-year average of 33x.
Who?
For investors who seek enhanced yield and have mildly bullish short to medium term outlook on PYPL
In case of physical delivery, investors are fine to buy the shares at strike price which is lower than current levels
Indicative Terms & Conditions (subject to changes to market conditions)

Product	FCN
Issuer (Moody's/ S&P/ Fitch)1	UBS AG - LONDON ( Aa3 / A+ / A+ )
Currency	USD
Tenor	4M
Issue Tenor	2W
Stock_1	PYPL.OQ
Strike %	85.00
Coupon (p.a) %	12.94
Barrier type	N.A.
Knock-in %	N.A.
Callable	Period-End
KO Barrier %	100.00
Cpn Freq	1M
Non-Call Observation Period (s)	Period 1
Risk Level2	5
Notes:

The Note itself is not rated by any of the credit rating agencies. The credit rating (i) is not a recommendation, (ii) is not necessarily an indication of liquidity or volatility, and (iii) may be downgraded if the credit quality of the relevant entity or asset or obligation declines.
Risk rating is based on scale of 1 to 5, with 5 being the riskiest. The rating is an assessment and is for reference only. Please contact your Relationship Manager for more details.
Underlying equities
Company	Ticker
	PayPal Holdings Inc	PYPL US
Click  for additional information

Detailed investment rationale and risk factors for single products can be obtained from your relationship managers and investment counsellors.

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