$PYPL trades at 10x sales, 47.6x forward p/e, and 50x EV/EBITDA. That's rich for a co. with 12% RoE.  Total Debt to Equity at 54x. Operating margin of 14.4%. No dividends?  Insider ownership of just 0.13%.  Why so much love for PayPal? Just what am I missing here?  $V $MA