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16dad

16dad

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12-11

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@真灼财经:【真灼财经】XTransfer与TransferMate强强连手达成战略合作，为全球进出口商创造市场新机遇

05-15

$Faraday Future(FFIE)$

2022-06-17

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@FlowingCash:Silvergate｜近看是银行，远看是Crypto

2022-06-17

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@FlowingCash:周报：Block安全边际三层楼那么高

2021-12-09

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@GuruFocus:收购，让Square更强大

2021-12-02

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2021-11-23

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2021-11-16

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2021-11-08

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@FlowingCash:Square：连接两个世界的桥梁

2021-10-27

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2021-09-22

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2021-09-03

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Everything You Need to Know About Square's $29 Billion Afterpay Acquisition

2021-08-12

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@小镇做T家:辉瑞疫苗的背后：揭秘欧洲最大生物技术独角兽BioNTech

2021-07-13

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@小虎周报:FIGS：如何靠时尚医护服装，实现146%的复合增长率？

2021-04-06

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@新经济IPO:估值1000亿元，黑石投资的在线博彩业支付巨头Paysafe贵吗？

2021-04-02

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2021-03-24

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@松果财经:估值最高20亿，soul 到底有什么投资价值？

2021-03-24

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@李欧成:从业6年的电子烟投资人告诉你如何看待电子烟监管风暴

2021-03-24

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2021-03-24

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<a href=\"https://laohu8.com/S/HSI\">$恒生指数(HSI)$</a> &nbsp; XTransfer成立以来致力于为中小企业提供安全合规、快速、便利、低成本的全球贸易收付款金融解决方案，大幅降低其拓展业务的门坎及成本，提升全球竞争力。 &nbsp; CluneTech旗下子公司TransferMate拥有全球最全面以及先进的支付网络，支持企业和个人贸易，使其能以超过140种货币在超过200个国家进行跨境支付，就像进行国内资金转移一样轻松简单。 &nbsp; 外贸中小企业于跨境支付和收款时经常遇到不同挑战，面对在传统银行开户难、资金冻结风险高、汇兑损失大、汇款时间长、汇款成本高等难题。而XTransfer的「本地账户」正可符合外贸中小企业的需求，为其提供合规、高效、便利、低成本的全球贸易支付和资金收付解决方案。通过「本地账户」服务，XTransfer客户可直接于其买家该国以当地币种收取货款，后续按需将资金兑换成所需货币，从而降低汇兑损失，并加速外贸交易及结算。 &nbsp; 通过整合Transfermate的全球支付基础设施至XTransfer平台，为其超过40万家客户，于向美国、墨西哥、马来西亚、加拿大、新加坡以及新西兰收付款时，提供多一个「本地账户」的选择，预计机械、服装、电子产品、耐用消费品以及其他商品的进出口商将受惠于双方合作。这种「本地收款」并可高效转回至收款人当地账户的能力正是TransferMate全球监管基础设施的另一优势。另一方面，通过与中国行业龙头、客户数量领先的XTransfer合作，同样有助TransferMate扩大业务","listText":"真灼财经2023年11月24日讯，B2B外贸金融科技第一平台XTransfer与全球一流的B2B支付基础设施即服务提供商TransferMate，共同欣然宣布于新加坡金融科技节中，签订战略合作协议。 <a href=\"https://laohu8.com/S/HSI\">$恒生指数(HSI)$</a> &nbsp; XTransfer成立以来致力于为中小企业提供安全合规、快速、便利、低成本的全球贸易收付款金融解决方案，大幅降低其拓展业务的门坎及成本，提升全球竞争力。 &nbsp; CluneTech旗下子公司TransferMate拥有全球最全面以及先进的支付网络，支持企业和个人贸易，使其能以超过140种货币在超过200个国家进行跨境支付，就像进行国内资金转移一样轻松简单。 &nbsp; 外贸中小企业于跨境支付和收款时经常遇到不同挑战，面对在传统银行开户难、资金冻结风险高、汇兑损失大、汇款时间长、汇款成本高等难题。而XTransfer的「本地账户」正可符合外贸中小企业的需求，为其提供合规、高效、便利、低成本的全球贸易支付和资金收付解决方案。通过「本地账户」服务，XTransfer客户可直接于其买家该国以当地币种收取货款，后续按需将资金兑换成所需货币，从而降低汇兑损失，并加速外贸交易及结算。 &nbsp; 通过整合Transfermate的全球支付基础设施至XTransfer平台，为其超过40万家客户，于向美国、墨西哥、马来西亚、加拿大、新加坡以及新西兰收付款时，提供多一个「本地账户」的选择，预计机械、服装、电子产品、耐用消费品以及其他商品的进出口商将受惠于双方合作。这种「本地收款」并可高效转回至收款人当地账户的能力正是TransferMate全球监管基础设施的另一优势。另一方面，通过与中国行业龙头、客户数量领先的XTransfer合作，同样有助TransferMate扩大业务","text":"真灼财经2023年11月24日讯，B2B外贸金融科技第一平台XTransfer与全球一流的B2B支付基础设施即服务提供商TransferMate，共同欣然宣布于新加坡金融科技节中，签订战略合作协议。 $恒生指数(HSI)$ XTransfer成立以来致力于为中小企业提供安全合规、快速、便利、低成本的全球贸易收付款金融解决方案，大幅降低其拓展业务的门坎及成本，提升全球竞争力。 CluneTech旗下子公司TransferMate拥有全球最全面以及先进的支付网络，支持企业和个人贸易，使其能以超过140种货币在超过200个国家进行跨境支付，就像进行国内资金转移一样轻松简单。 外贸中小企业于跨境支付和收款时经常遇到不同挑战，面对在传统银行开户难、资金冻结风险高、汇兑损失大、汇款时间长、汇款成本高等难题。而XTransfer的「本地账户」正可符合外贸中小企业的需求，为其提供合规、高效、便利、低成本的全球贸易支付和资金收付解决方案。通过「本地账户」服务，XTransfer客户可直接于其买家该国以当地币种收取货款，后续按需将资金兑换成所需货币，从而降低汇兑损失，并加速外贸交易及结算。 通过整合Transfermate的全球支付基础设施至XTransfer平台，为其超过40万家客户，于向美国、墨西哥、马来西亚、加拿大、新加坡以及新西兰收付款时，提供多一个「本地账户」的选择，预计机械、服装、电子产品、耐用消费品以及其他商品的进出口商将受惠于双方合作。这种「本地收款」并可高效转回至收款人当地账户的能力正是TransferMate全球监管基础设施的另一优势。另一方面，通过与中国行业龙头、客户数量领先的XTransfer合作，同样有助TransferMate扩大业务","images":[{"img":"https://static.tigerbbs.com/416109b8d747f4f8913c22293f6df0b1","width":"639","height":"425"}],"top":1,"highlighted":1,"essential":1,"paper":2,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/244896993333544","isVote":1,"tweetType":1,"viewCount":0,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"CN","totalScore":0},"isVote":1,"tweetType":1,"viewCount":13,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":305854868631584,"gmtCreate":1715706169671,"gmtModify":1715706173336,"author":{"id":"3562204142746468","authorId":"3562204142746468","name":"16dad","avatar":"https://static.tigerbbs.com/d3f5812504b4b17c4e1da8d2c3088ad4","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562204142746468","authorIdStr":"3562204142746468"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/FFIE\">$Faraday Future(FFIE)$ &nbsp;</a>","listText":"<a href=\"https://laohu8.com/S/FFIE\">$Faraday Future(FFIE)$ &nbsp;</a>","text":"$Faraday Future(FFIE)$","images":[{"img":"https://static.tigerbbs.com/5b3651e9f70dd9b0313ce948bc795a3a","width":"1160","height":"2343"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":5,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/305854868631584","isVote":1,"tweetType":1,"viewCount":702,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":689131784,"gmtCreate":1655421512550,"gmtModify":1704862277298,"author":{"id":"3562204142746468","authorId":"3562204142746468","name":"16dad","avatar":"https://static.tigerbbs.com/d3f5812504b4b17c4e1da8d2c3088ad4","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562204142746468","authorIdStr":"3562204142746468"},"themes":[],"htmlText":"这篇文章不错，转发给大家看","listText":"这篇文章不错，转发给大家看","text":"这篇文章不错，转发给大家看","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/689131784","repostId":"618022819","repostType":1,"repost":{"id":618022819,"gmtCreate":1650729251571,"gmtModify":1650767611459,"author":{"id":"3516684144781058","authorId":"3516684144781058","name":"FlowingCash","avatar":"https://static.tigerbbs.com/67bf943fe99e7187f6072ef83d10041a","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3516684144781058","authorIdStr":"3516684144781058"},"themes":[],"title":"Silvergate｜近看是银行，远看是Crypto","htmlText":"<a target=\"_blank\" href=\"https://laohu8.com/S/SI\">$Silvergate Capital(SI)$</a>&nbsp;被认为是目前排名第一个Crypto bank，也就是围绕Crypto提供银行服务的机构。不过近看他们的财报，只能看出他们是家银行。例如SI的资产端，由各种资产组合组成，负债端主要来自储户的存款。再看SI的利润表，收入来源和传统银行一样是息差，在非利息收入中也没有直接点明来自Crypto的收入。SI能发展这么快，不仅三年内股价从7.6涨到现在128，而且2022年一季度的每股收益也大幅超过预期79.5%，储存的存款从2021年一季度的70亿美元增加到2022年一季度134亿美元，原因是发现了Crypto银行服务的空白。SI是一家银行，银行的商业模式很简单，左手吸收存款，右手放贷或者投资。此外。吸收的存款是银行的负债端，需要成本。放贷是银行的资产端，会产生利息收入，利息和成本的差值就是息差。因此，银行的长期盈利目标就是增加息差，用尽量低的成本吸收存款，再以尽量高的利率放贷出去。商业银行在欧美存在非常久了，常规的吸收存款方式成本是确定的，因此充分竞争了。放贷的利息收入受到市场的影响，不是银行自己可以把控。Crypto行业因为BTC的诞生而出现，随着行业的增长，行业内出现了银行类服务的需求，这些需求没办法在传统银行得到满足。加上近两三年来，不少机构想要进入Crypto行业，却找不到稳妥的方式，SI就是抓住这个机会。2022年一季度，SI储户的总存款是134亿美元，来自Crypto行业的存款132亿美元，几乎全部都是Crypto客户。SI另辟蹊径，为Crypto客户提供银行服务，这些客户的总存款从2021年一季度的68亿美元，增长到2022年一季度的132亿美元，同比增长94%，这显然是个增量市场。更重要的是，SI吸收","listText":"<a target=\"_blank\" href=\"https://laohu8.com/S/SI\">$Silvergate Capital(SI)$</a>&nbsp;被认为是目前排名第一个Crypto bank，也就是围绕Crypto提供银行服务的机构。不过近看他们的财报，只能看出他们是家银行。例如SI的资产端，由各种资产组合组成，负债端主要来自储户的存款。再看SI的利润表，收入来源和传统银行一样是息差，在非利息收入中也没有直接点明来自Crypto的收入。SI能发展这么快，不仅三年内股价从7.6涨到现在128，而且2022年一季度的每股收益也大幅超过预期79.5%，储存的存款从2021年一季度的70亿美元增加到2022年一季度134亿美元，原因是发现了Crypto银行服务的空白。SI是一家银行，银行的商业模式很简单，左手吸收存款，右手放贷或者投资。此外。吸收的存款是银行的负债端，需要成本。放贷是银行的资产端，会产生利息收入，利息和成本的差值就是息差。因此，银行的长期盈利目标就是增加息差，用尽量低的成本吸收存款，再以尽量高的利率放贷出去。商业银行在欧美存在非常久了，常规的吸收存款方式成本是确定的，因此充分竞争了。放贷的利息收入受到市场的影响，不是银行自己可以把控。Crypto行业因为BTC的诞生而出现，随着行业的增长，行业内出现了银行类服务的需求，这些需求没办法在传统银行得到满足。加上近两三年来，不少机构想要进入Crypto行业，却找不到稳妥的方式，SI就是抓住这个机会。2022年一季度，SI储户的总存款是134亿美元，来自Crypto行业的存款132亿美元，几乎全部都是Crypto客户。SI另辟蹊径，为Crypto客户提供银行服务，这些客户的总存款从2021年一季度的68亿美元，增长到2022年一季度的132亿美元，同比增长94%，这显然是个增量市场。更重要的是，SI吸收","text":"$Silvergate Capital(SI)$ 被认为是目前排名第一个Crypto bank，也就是围绕Crypto提供银行服务的机构。不过近看他们的财报，只能看出他们是家银行。例如SI的资产端，由各种资产组合组成，负债端主要来自储户的存款。再看SI的利润表，收入来源和传统银行一样是息差，在非利息收入中也没有直接点明来自Crypto的收入。SI能发展这么快，不仅三年内股价从7.6涨到现在128，而且2022年一季度的每股收益也大幅超过预期79.5%，储存的存款从2021年一季度的70亿美元增加到2022年一季度134亿美元，原因是发现了Crypto银行服务的空白。SI是一家银行，银行的商业模式很简单，左手吸收存款，右手放贷或者投资。此外。吸收的存款是银行的负债端，需要成本。放贷是银行的资产端，会产生利息收入，利息和成本的差值就是息差。因此，银行的长期盈利目标就是增加息差，用尽量低的成本吸收存款，再以尽量高的利率放贷出去。商业银行在欧美存在非常久了，常规的吸收存款方式成本是确定的，因此充分竞争了。放贷的利息收入受到市场的影响，不是银行自己可以把控。Crypto行业因为BTC的诞生而出现，随着行业的增长，行业内出现了银行类服务的需求，这些需求没办法在传统银行得到满足。加上近两三年来，不少机构想要进入Crypto行业，却找不到稳妥的方式，SI就是抓住这个机会。2022年一季度，SI储户的总存款是134亿美元，来自Crypto行业的存款132亿美元，几乎全部都是Crypto客户。SI另辟蹊径，为Crypto客户提供银行服务，这些客户的总存款从2021年一季度的68亿美元，增长到2022年一季度的132亿美元，同比增长94%，这显然是个增量市场。更重要的是，SI吸收","images":[{"img":"https://static.tigerbbs.com/281ed2394795e3e2b7feb1d16d9182e7","width":"632","height":"567"},{"img":"https://static.tigerbbs.com/7d6bea7d943a9f7dabc8fe3297013c08","width":"632","height":"235"},{"img":"https://static.tigerbbs.com/99a85751cd3b8bd56f8ed4ac2315e99b","width":"604","height":"343"}],"top":1,"highlighted":1,"essential":2,"paper":2,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/618022819","isVote":1,"tweetType":1,"viewCount":0,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":10,"langContent":"CN","totalScore":0},"isVote":1,"tweetType":1,"viewCount":950,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":689131342,"gmtCreate":1655421325411,"gmtModify":1704862276089,"author":{"id":"3562204142746468","authorId":"3562204142746468","name":"16dad","avatar":"https://static.tigerbbs.com/d3f5812504b4b17c4e1da8d2c3088ad4","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562204142746468","authorIdStr":"3562204142746468"},"themes":[],"htmlText":"这篇文章不错，转发给大家看","listText":"这篇文章不错，转发给大家看","text":"这篇文章不错，转发给大家看","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/689131342","repostId":"616756572","repostType":1,"repost":{"id":616756572,"gmtCreate":1652029468597,"gmtModify":1652068147603,"author":{"id":"3516684144781058","authorId":"3516684144781058","name":"FlowingCash","avatar":"https://static.tigerbbs.com/67bf943fe99e7187f6072ef83d10041a","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3516684144781058","authorIdStr":"3516684144781058"},"themes":[],"title":"周报：Block安全边际三层楼那么高","htmlText":"这个星期主要说一下<a target=\"_blank\" href=\"https://laohu8.com/S/SQ\">$Block(SQ)$</a>&nbsp;的一季度财报，这里我默认大家对Block已经有基本的了解。经常有人问我，能不能用一句话说明Block是做什么的？我认为Block是一个以支付为流量入口的金融生态。Square（Block的前身）确实是做支付起家的，现在的Block既有收单业务（Square生态），也有发卡业务（Cash&nbsp;App生态），在今年一季度完成Afterpay的收购后，逐渐将这两个生态打通。可以想象这样的场景，用户在收到工资后，工资留存在Cash&nbsp;App上，然后通过Afterpay实现线上消费，而且是无信用卡的分期付款。线下商铺使用Square的收单系统，接受Cash&nbsp;App自然是没问题的。用户有闲余资金，还能在Cash&nbsp;App上投资比特币。借贷当然也是有的，Cash&nbsp;App&nbsp;Borrow提供信用借贷。用户的资金留存、消费、借贷、投资都在Block的生态系统中完成，绕过传统金融体系和机构，自成一体。在资金留存方面，Block在4月份给全部Cash&nbsp;App&nbsp;Card都加入了FDIC保险，让用户更有信心把资金留存下来。在使用Square收单服务的卖家中，中型卖家在开设Square储蓄账户后马上注入资金的可能性是普通卖家的两倍。中型卖家在2022年一季度贡献了35%的GPV。回顾2020年一季度至今，在GPV占比中，中型卖家的占比从最小到最大，说明Square的收单业务在中型卖家中获得更多市场份额。Square不再只是小生意的收单工具，这个认知需要改变。(中型卖家是年化GPV大于50万美元的卖家）在消费方面，Jack在电话会议里表示，Afterpay已经集成到卖家端，刚刚","listText":"这个星期主要说一下<a target=\"_blank\" href=\"https://laohu8.com/S/SQ\">$Block(SQ)$</a>&nbsp;的一季度财报，这里我默认大家对Block已经有基本的了解。经常有人问我，能不能用一句话说明Block是做什么的？我认为Block是一个以支付为流量入口的金融生态。Square（Block的前身）确实是做支付起家的，现在的Block既有收单业务（Square生态），也有发卡业务（Cash&nbsp;App生态），在今年一季度完成Afterpay的收购后，逐渐将这两个生态打通。可以想象这样的场景，用户在收到工资后，工资留存在Cash&nbsp;App上，然后通过Afterpay实现线上消费，而且是无信用卡的分期付款。线下商铺使用Square的收单系统，接受Cash&nbsp;App自然是没问题的。用户有闲余资金，还能在Cash&nbsp;App上投资比特币。借贷当然也是有的，Cash&nbsp;App&nbsp;Borrow提供信用借贷。用户的资金留存、消费、借贷、投资都在Block的生态系统中完成，绕过传统金融体系和机构，自成一体。在资金留存方面，Block在4月份给全部Cash&nbsp;App&nbsp;Card都加入了FDIC保险，让用户更有信心把资金留存下来。在使用Square收单服务的卖家中，中型卖家在开设Square储蓄账户后马上注入资金的可能性是普通卖家的两倍。中型卖家在2022年一季度贡献了35%的GPV。回顾2020年一季度至今，在GPV占比中，中型卖家的占比从最小到最大，说明Square的收单业务在中型卖家中获得更多市场份额。Square不再只是小生意的收单工具，这个认知需要改变。(中型卖家是年化GPV大于50万美元的卖家）在消费方面，Jack在电话会议里表示，Afterpay已经集成到卖家端，刚刚","text":"这个星期主要说一下$Block(SQ)$ 的一季度财报，这里我默认大家对Block已经有基本的了解。经常有人问我，能不能用一句话说明Block是做什么的？我认为Block是一个以支付为流量入口的金融生态。Square（Block的前身）确实是做支付起家的，现在的Block既有收单业务（Square生态），也有发卡业务（Cash App生态），在今年一季度完成Afterpay的收购后，逐渐将这两个生态打通。可以想象这样的场景，用户在收到工资后，工资留存在Cash App上，然后通过Afterpay实现线上消费，而且是无信用卡的分期付款。线下商铺使用Square的收单系统，接受Cash App自然是没问题的。用户有闲余资金，还能在Cash App上投资比特币。借贷当然也是有的，Cash App Borrow提供信用借贷。用户的资金留存、消费、借贷、投资都在Block的生态系统中完成，绕过传统金融体系和机构，自成一体。在资金留存方面，Block在4月份给全部Cash App Card都加入了FDIC保险，让用户更有信心把资金留存下来。在使用Square收单服务的卖家中，中型卖家在开设Square储蓄账户后马上注入资金的可能性是普通卖家的两倍。中型卖家在2022年一季度贡献了35%的GPV。回顾2020年一季度至今，在GPV占比中，中型卖家的占比从最小到最大，说明Square的收单业务在中型卖家中获得更多市场份额。Square不再只是小生意的收单工具，这个认知需要改变。(中型卖家是年化GPV大于50万美元的卖家）在消费方面，Jack在电话会议里表示，Afterpay已经集成到卖家端，刚刚","images":[{"img":"https://static.tigerbbs.com/d8009f4c541dda75ddab1f5d015cc7e6","width":"632","height":"255"},{"img":"https://static.tigerbbs.com/50ec313cf619bd24a7b53b9e28b68953","width":"632","height":"258"},{"img":"https://static.tigerbbs.com/2f3decb4b6b15b492c0f7c7a23aafb88","width":"186","height":"198"}],"top":1,"highlighted":2,"essential":2,"paper":2,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/616756572","isVote":1,"tweetType":1,"viewCount":0,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":8,"langContent":"CN","totalScore":0},"isVote":1,"tweetType":1,"viewCount":514,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":602793663,"gmtCreate":1639063454960,"gmtModify":1639063454960,"author":{"id":"3562204142746468","authorId":"3562204142746468","name":"16dad","avatar":"https://static.tigerbbs.com/d3f5812504b4b17c4e1da8d2c3088ad4","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562204142746468","authorIdStr":"3562204142746468"},"themes":[],"htmlText":"这篇文章不错，转发给大家看","listText":"这篇文章不错，转发给大家看","text":"这篇文章不错，转发给大家看","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/602793663","repostId":"602290575","repostType":1,"repost":{"id":602290575,"gmtCreate":1639000980000,"gmtModify":1639026936553,"author":{"id":"3556669788355570","authorId":"3556669788355570","name":"GuruFocus","avatar":"https://static.tigerbbs.com/39e1e28b3ff68411370a270b2aa9a76d","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3556669788355570","authorIdStr":"3556669788355570"},"themes":[],"title":"收购，让Square更强大","htmlText":"本文首发于价值大师网 GuruFocus.cn，转载请注明出处。 Square的卖家业务很有弹性，为商家提供了完整的解决方案。 其Cash App正在以非常高的速度增加更多的功能和用户。 收购Afterpay将创造强大的协同效应并进一步加强该公司的护城河。 你或许没有听说过Square，但如果你身在美国，你绝对不止一次地使用过他们的产品。 Square是推特前CEO杰克·多西（JackDorsey）于2009年创办的公司，主要经营卖家业务和数字钱包业务。 根据百度百科对Square的介绍，卖家业务是Square用户（消费者或商家）利用Square提供的移动读卡器，配合智能手机使用，可以在任何3G或WiFi网络状态下，通过应用程序匹配刷卡消费，它使得消费者、商家可以在任何地方进行付款和收款，并保存相应的消费信息，从而大大降低了刷卡消费支付的技术门槛和硬件需求。数字钱包业务则更偏向点对点支付。 该公司的区块链及加密货币业务也非常亮眼，但目前占比尚小。 通俗一点来说，Square就是美国线下的“支付宝”。 尽管亚马逊的崛起对线下经济造成了一定的冲击，但Square已经建立了一个强大的消费者和商家网络。这归功于其全栈式的商家解决方案，大大简化了中小企业从交易到税收再到发票的一切商业活动。 在我（作者Nicola Guida）看来，Square的卖家生态系统并不必然与网络效应相关。因为它基本是服务卖家的。卖家享受到了低费率和简化的解决方案，而消费者则不一定会被Square的生态系统吸引；毕竟，他们可以继续使用他们的信用卡或其他支付方式。而Square想出了吸引消费者的方案，以创造真正的网络效应。 Square的数字钱包业务Cash App最初是作为一个数字点对点支付解决方案上线的。青少年首先开始使用该应用程序AA付账，Cash App的“社交”属性让用户迅速接受了它。随着时间的推移，","listText":"本文首发于价值大师网 GuruFocus.cn，转载请注明出处。 Square的卖家业务很有弹性，为商家提供了完整的解决方案。 其Cash App正在以非常高的速度增加更多的功能和用户。 收购Afterpay将创造强大的协同效应并进一步加强该公司的护城河。 你或许没有听说过Square，但如果你身在美国，你绝对不止一次地使用过他们的产品。 Square是推特前CEO杰克·多西（JackDorsey）于2009年创办的公司，主要经营卖家业务和数字钱包业务。 根据百度百科对Square的介绍，卖家业务是Square用户（消费者或商家）利用Square提供的移动读卡器，配合智能手机使用，可以在任何3G或WiFi网络状态下，通过应用程序匹配刷卡消费，它使得消费者、商家可以在任何地方进行付款和收款，并保存相应的消费信息，从而大大降低了刷卡消费支付的技术门槛和硬件需求。数字钱包业务则更偏向点对点支付。 该公司的区块链及加密货币业务也非常亮眼，但目前占比尚小。 通俗一点来说，Square就是美国线下的“支付宝”。 尽管亚马逊的崛起对线下经济造成了一定的冲击，但Square已经建立了一个强大的消费者和商家网络。这归功于其全栈式的商家解决方案，大大简化了中小企业从交易到税收再到发票的一切商业活动。 在我（作者Nicola Guida）看来，Square的卖家生态系统并不必然与网络效应相关。因为它基本是服务卖家的。卖家享受到了低费率和简化的解决方案，而消费者则不一定会被Square的生态系统吸引；毕竟，他们可以继续使用他们的信用卡或其他支付方式。而Square想出了吸引消费者的方案，以创造真正的网络效应。 Square的数字钱包业务Cash App最初是作为一个数字点对点支付解决方案上线的。青少年首先开始使用该应用程序AA付账，Cash App的“社交”属性让用户迅速接受了它。随着时间的推移，","text":"本文首发于价值大师网 GuruFocus.cn，转载请注明出处。 Square的卖家业务很有弹性，为商家提供了完整的解决方案。 其Cash App正在以非常高的速度增加更多的功能和用户。 收购Afterpay将创造强大的协同效应并进一步加强该公司的护城河。 你或许没有听说过Square，但如果你身在美国，你绝对不止一次地使用过他们的产品。 Square是推特前CEO杰克·多西（JackDorsey）于2009年创办的公司，主要经营卖家业务和数字钱包业务。 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target=\"_blank\" href=\"https://laohu8.com/S/SQ\">$Square, Inc(SQ)$</a>&nbsp;披露2021年三季报了，拿着最新的财务数据说一下对Square的投资逻辑。｜业务与愿景Square有两大生态，分别是Seller生态和Cash&nbsp;App生态。Seller生态服务B端，从微小型商家切入，满足微小型商家需求后开始向上打通小商家、中型商家，未来很可能把大型商家也打通。目前更关注中型商家的占比，中型商家可以产生更多交易，加大Square的GPV，三季度中型商家的占比超过微小型商家。这个发展方向是符合逻辑的，因为Square一开始服务的微小型商家，会有一批成为小商家，然后又有一批成为中型商家，最后还可能有一些成为大型商家甚至巨无霸。按照这个路径发展，Square就可以覆盖一家企业从小做到大的全生命周期。Seller为商家提供POS支付系统、云后台，老板可以用来管理库存、发工资等。还有一个SquareOnline，商家可以在上面设计自己的网店，而且是免费的，你可以理解成是一个免费的shopify。Cash&nbsp;App为用户提供端对端的支付服务，因为支付不需要通过中介机构，所以更快也更便宜。用户还能把钱存进去，买卖股票和比特币。Square的创始人Jack&nbsp;Doresy有一个愿景，让更多没办法使用传统银行金融服务的人，可以在Square享受到金融服务。所以Square不仅给商家提供POS支付系统、为用户提供端到端支付工具，还会提供贷款。在2020年报就专门提了Square设立了PPP贷款项目，帮助商家度过疫情带来的难关。这是针对B端提供的贷款","listText":"会问怎样的问题，就会想多深的事情。在中国早已经普及移动电子支付的今天，欧美国家可能继续用纸币或硬币吗？如果他们也开始普及移动电子支付，会是以怎样的形式实现？<a target=\"_blank\" href=\"https://laohu8.com/S/SQ\">$Square, Inc(SQ)$</a>&nbsp;披露2021年三季报了，拿着最新的财务数据说一下对Square的投资逻辑。｜业务与愿景Square有两大生态，分别是Seller生态和Cash&nbsp;App生态。Seller生态服务B端，从微小型商家切入，满足微小型商家需求后开始向上打通小商家、中型商家，未来很可能把大型商家也打通。目前更关注中型商家的占比，中型商家可以产生更多交易，加大Square的GPV，三季度中型商家的占比超过微小型商家。这个发展方向是符合逻辑的，因为Square一开始服务的微小型商家，会有一批成为小商家，然后又有一批成为中型商家，最后还可能有一些成为大型商家甚至巨无霸。按照这个路径发展，Square就可以覆盖一家企业从小做到大的全生命周期。Seller为商家提供POS支付系统、云后台，老板可以用来管理库存、发工资等。还有一个SquareOnline，商家可以在上面设计自己的网店，而且是免费的，你可以理解成是一个免费的shopify。Cash&nbsp;App为用户提供端对端的支付服务，因为支付不需要通过中介机构，所以更快也更便宜。用户还能把钱存进去，买卖股票和比特币。Square的创始人Jack&nbsp;Doresy有一个愿景，让更多没办法使用传统银行金融服务的人，可以在Square享受到金融服务。所以Square不仅给商家提供POS支付系统、为用户提供端到端支付工具，还会提供贷款。在2020年报就专门提了Square设立了PPP贷款项目，帮助商家度过疫情带来的难关。这是针对B端提供的贷款","text":"会问怎样的问题，就会想多深的事情。在中国早已经普及移动电子支付的今天，欧美国家可能继续用纸币或硬币吗？如果他们也开始普及移动电子支付，会是以怎样的形式实现？$Square, Inc(SQ)$ 披露2021年三季报了，拿着最新的财务数据说一下对Square的投资逻辑。｜业务与愿景Square有两大生态，分别是Seller生态和Cash App生态。Seller生态服务B端，从微小型商家切入，满足微小型商家需求后开始向上打通小商家、中型商家，未来很可能把大型商家也打通。目前更关注中型商家的占比，中型商家可以产生更多交易，加大Square的GPV，三季度中型商家的占比超过微小型商家。这个发展方向是符合逻辑的，因为Square一开始服务的微小型商家，会有一批成为小商家，然后又有一批成为中型商家，最后还可能有一些成为大型商家甚至巨无霸。按照这个路径发展，Square就可以覆盖一家企业从小做到大的全生命周期。Seller为商家提供POS支付系统、云后台，老板可以用来管理库存、发工资等。还有一个SquareOnline，商家可以在上面设计自己的网店，而且是免费的，你可以理解成是一个免费的shopify。Cash App为用户提供端对端的支付服务，因为支付不需要通过中介机构，所以更快也更便宜。用户还能把钱存进去，买卖股票和比特币。Square的创始人Jack Doresy有一个愿景，让更多没办法使用传统银行金融服务的人，可以在Square享受到金融服务。所以Square不仅给商家提供POS支付系统、为用户提供端到端支付工具，还会提供贷款。在2020年报就专门提了Square设立了PPP贷款项目，帮助商家度过疫情带来的难关。这是针对B端提供的贷款","images":[{"img":"https://static.tigerbbs.com/32fc633382d201989ecc83d624cf282f","width":"688","height":"413"},{"img":"https://static.tigerbbs.com/88a3f6637b137dbfb5f28921fd5483db","width":"688","height":"326"},{"img":"https://static.tigerbbs.com/18d57e298252e0c77785f370955de46b","width":"688","height":"674"}],"top":1,"highlighted":2,"essential":2,"paper":2,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/842409529","isVote":1,"tweetType":1,"viewCount":0,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":8,"langContent":"CN","totalScore":0},"isVote":1,"tweetType":1,"viewCount":480,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":852205355,"gmtCreate":1635267535175,"gmtModify":1635267535175,"author":{"id":"3562204142746468","authorId":"3562204142746468","name":"16dad","avatar":"https://static.tigerbbs.com/d3f5812504b4b17c4e1da8d2c3088ad4","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562204142746468","authorIdStr":"3562204142746468"},"themes":[],"htmlText":"这篇文章不错，转发给大家看","listText":"这篇文章不错，转发给大家看","text":"这篇文章不错，转发给大家看","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/852205355","repostId":"2178427541","repostType":2,"isVote":1,"tweetType":1,"viewCount":674,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":869880558,"gmtCreate":1632272197574,"gmtModify":1632272197574,"author":{"id":"3562204142746468","authorId":"3562204142746468","name":"16dad","avatar":"https://static.tigerbbs.com/d3f5812504b4b17c4e1da8d2c3088ad4","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562204142746468","authorIdStr":"3562204142746468"},"themes":[],"htmlText":"这篇文章不错，转发给大家看","listText":"这篇文章不错，转发给大家看","text":"这篇文章不错，转发给大家看","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/869880558","repostId":"2169646630","repostType":2,"isVote":1,"tweetType":1,"viewCount":588,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":815364400,"gmtCreate":1630646018000,"gmtModify":1630646018000,"author":{"id":"3562204142746468","authorId":"3562204142746468","name":"16dad","avatar":"https://static.tigerbbs.com/d3f5812504b4b17c4e1da8d2c3088ad4","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562204142746468","authorIdStr":"3562204142746468"},"themes":[],"htmlText":"这篇文章不错，转发给大家看","listText":"这篇文章不错，转发给大家看","text":"这篇文章不错，转发给大家看","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/815364400","repostId":"2164612894","repostType":2,"repost":{"id":"2164612894","kind":"highlight","pubTimestamp":1630425600,"share":"https://www.laohu8.com/m/news/2164612894?lang=&edition=full","pubTime":"2021-09-01 00:00","market":"us","language":"en","title":"Everything You Need to Know About Square's $29 Billion Afterpay Acquisition","url":"https://stock-news.laohu8.com/highlight/detail?id=2164612894","media":"Motley Fool","summary":"Square is making its largest purchase yet. Why?","content":"<html><body><span>\n<p><strong>Square</strong> <span>(NYSE:SQ)</span> surprised investors recently by announcing it plans to dive in headfirst to the buy now, pay later, or BNPL, space with a $29 billion acquisition of <strong>Afterpay</strong>. In this <em>Fool Live</em> video clip, <strong>recorded on Aug. 23</strong>, Fool.com contributors Matt Frankel, CFP, and Brian Withers discuss why Square might be willing to pay such a hefty sum.</p>\n<div></div>\n<div></div>\n<p><strong>Matt Frankel:</strong> A couple of points I wanted to hit on the Afterpay acquisition. I've said before on other shows that I'm a fan of the acquisition. I'm not a fan of the price they're paying. I think they're paying a lot. Let's dig into what Afterpay is and why Square might be so interested in it. Buy now, pay later service is essentially, if you ever go to checkout on <strong><a href=\"https://laohu8.com/S/PYPL\">PayPal</a> </strong>or on <strong>Amazon</strong> or any of these companies and they say, \"Spread this over six interest-free payments.\" That's a buy now, pay later service. That's essentially what Afterpay does. If you look at this chart here, this is Afterpay's growth in customers, both consumers, and merchants. I really think the merchants are the big thing to notice here.</p>\n<p>A couple of years ago, Square had about 2 million merchants in its ecosystem so Square's merchant count is in the millions. Afterpay's is 98,000. But this is what I was saying earlier, where I take issue with Square calling a business selling over 125,000 a year as a big client. Afterpay's merchant skew to huge merchants. This 98,000 figure includes companies like Amazon, like <strong>CVS</strong>, like <strong>Dell</strong>. Not typical Square merchants, <strong>Nike</strong>, <strong>Target</strong>, <strong>Walgreens</strong>. These are companies that are using Afterpay's service to allow their customers to pay later for products they're buying now.</p>\n<p>That's why you're seeing such a big difference between those merchant and consumers numbers. Because their merchants have a lot of customers and this doesn't even really scratch the surface of the big merchants like Amazon or anything like that. About 16 million customers, which from Square's point of view, they could bring those into the Cash App ecosystem, which is exactly what they're planning to do. The Cash App has 40 million active users in the ecosystem so this is a pretty big bump if they can even get half of them to use other Cash App services. That's <a href=\"https://laohu8.com/S/AONE.U\">one</a> point I wanted to mention, the other, sorry if this looks weird while I'm scrolling, Afterpay is growing fast.</p>\n<p>Buy now, pay later is a red-hot sub-sector of the financial space. We saw<strong> Affirm</strong> go public last year, that's a big one. Affirm's big client is <strong>Peloton</strong>. Everyone's financing these $3,000 bikes over 36 months interest-free or whatever it is, that's Affirm. PayPal has built out their own buy now, pay later service so I guess Square figured they need to catch up and they're late to the party here. This also helped Square get into online retail because most of these buy now, pay later purchases, not all, but most are made through card-not-present transactions either on a mobile app, on a retailer's website, something like that. They've grown tremendously. They've more than quadrupled their merchandise volume over the past few fiscal years and this adds an instant $700 million of revenue to Square's ecosystem, which as we saw on the previous slide, is not nothing.</p><div></div>\n<p>Square's revenue without <strong>Bitcoin</strong> is just over $2 billion. Adding $700 million of revenue is not just a drop in the bucket. Especially, this is high margin revenue. Going through this, here's how Afterpay breaks down by region. They are based in Australia, which is why that Australia and New Zealand, the green color you see in the bars is so big. Brian mentioned domestic versus international growth plans at Square. Square is mostly a domestic business, they're in a few other markets around the world, I believe Australia is one of them, Brian?</p>\n<p><strong>Brian Withers:</strong> Yes.</p>\n<p><strong>Frankel:</strong> But they are mostly a domestic business at this point, Afterpay is not. The biggest source of their revenue is North America which might be surprising being that it's an Australian-based company. But it's not the bulk of it, Australia is almost as big as North America right there when you look at the revenue make-up here. Of those 16 million consumers that use Afterpay, you'd have to assume about half of them are outside of North America. So this really gives Square's international expansion opportunity a big shot in the arm. I'm excited to see that. I think that's a big part of what Square is thinking with the strategy. If they can open their Cash App up to 16 million users, 8 or 9 million of which are not in North America, I think it's a pretty big deal. </p>\n<p><strong>Withers:</strong> It's interesting to me, it looked the two things that you brought forward, these large merchants like CVS and Amazon, I think before this, Square really didn't have any reason to talk to these retailers or these enterprise-sized businesses at all. Certainly, CVS and these other companies are not going to use Square terminals for cash payments and they might take, I guess if Square had a credit card, wanted to say they did, they'd do that but that would be the only piece. So they get exposure, maybe not serving them as a customer, but really getting to understand these larger businesses and what drives them. Then on the international side, like you said, I think the last number I saw was 94% of their revenue was, I think U.S. and Canada. Six percent outside of and U.K. They just got into Ireland, Australia, and a few other countries in Europe and that's it.</p><div></div>\n<p><strong>Frankel:</strong> Yeah, so this is going to be really big for their international plans. They outlined their rationale for it and like their growth slide show that Brian mentioned it's not that specific. They mentioned they want to integrate it in both the seller and Cash App ecosystems. They want to allow Square sellers to facilitate buy now, pay later plans. They want to let Afterpay users access their accounts through the Cash App, which are just smart strategic move because then it shows them all the other Cash App features that they can use. A couple of more things I wanted to mention here, integrating into the seller ecosystem so any Square seller can offer buy now, pay later which helps level the playing field between smaller merchants and large ones that have traditionally been able to offer this stuff and in Cash App, you'll see you can start your Afterpay installment plan right through the Cash App, which will be much better functionality than right now. Because I got to admit if I wanted to do buy now, pay later unless the retailer had a button that said \"Use Afterpay for this,\" I wouldn't know how to do it. That really can help Afterpay's growth story continue. The other thing I wanted to mention before I hand it back to Brian, I think we have to wrap it up in a couple of minutes.</p>\n<p><strong>Withers:</strong> Yeah.</p>\n<p><strong>Frankel:</strong> The transaction overview I mentioned, it's an all-stock transaction. That $29 billion is based on, as of the date this was announced. Afterpay shareholders, which it trades on the Australian Stock Exchange will get 0.375 shares of Square for every Afterpay share they own. The valuation can actually change. I think it has changed. I think it's in the $30 billions right now. That's the Afterpay acquisition in a nutshell. I like the acquisition, not really the price.</p>\n</span></body></html>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Everything You Need to Know About Square's $29 Billion Afterpay Acquisition</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nEverything You Need to Know About Square's $29 Billion Afterpay Acquisition\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-09-01 00:00 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/09/01/everything-you-need-to-know-about-squares-29-billi/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Square (NYSE:SQ) surprised investors recently by announcing it plans to dive in headfirst to the buy now, pay later, or BNPL, space with a $29 billion acquisition of Afterpay. In this Fool Live video ...</p>\n\n<a href=\"https://www.fool.com/investing/2021/09/01/everything-you-need-to-know-about-squares-29-billi/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"SQ":"Block"},"source_url":"https://www.fool.com/investing/2021/09/01/everything-you-need-to-know-about-squares-29-billi/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2164612894","content_text":"Square (NYSE:SQ) surprised investors recently by announcing it plans to dive in headfirst to the buy now, pay later, or BNPL, space with a $29 billion acquisition of Afterpay. In this Fool Live video clip, recorded on Aug. 23, Fool.com contributors Matt Frankel, CFP, and Brian Withers discuss why Square might be willing to pay such a hefty sum.\n\n\nMatt Frankel: A couple of points I wanted to hit on the Afterpay acquisition. I've said before on other shows that I'm a fan of the acquisition. I'm not a fan of the price they're paying. I think they're paying a lot. Let's dig into what Afterpay is and why Square might be so interested in it. Buy now, pay later service is essentially, if you ever go to checkout on PayPal or on Amazon or any of these companies and they say, \"Spread this over six interest-free payments.\" That's a buy now, pay later service. That's essentially what Afterpay does. If you look at this chart here, this is Afterpay's growth in customers, both consumers, and merchants. I really think the merchants are the big thing to notice here.\nA couple of years ago, Square had about 2 million merchants in its ecosystem so Square's merchant count is in the millions. Afterpay's is 98,000. But this is what I was saying earlier, where I take issue with Square calling a business selling over 125,000 a year as a big client. Afterpay's merchant skew to huge merchants. This 98,000 figure includes companies like Amazon, like CVS, like Dell. Not typical Square merchants, Nike, Target, Walgreens. These are companies that are using Afterpay's service to allow their customers to pay later for products they're buying now.\nThat's why you're seeing such a big difference between those merchant and consumers numbers. Because their merchants have a lot of customers and this doesn't even really scratch the surface of the big merchants like Amazon or anything like that. About 16 million customers, which from Square's point of view, they could bring those into the Cash App ecosystem, which is exactly what they're planning to do. The Cash App has 40 million active users in the ecosystem so this is a pretty big bump if they can even get half of them to use other Cash App services. That's one point I wanted to mention, the other, sorry if this looks weird while I'm scrolling, Afterpay is growing fast.\nBuy now, pay later is a red-hot sub-sector of the financial space. We saw Affirm go public last year, that's a big one. Affirm's big client is Peloton. Everyone's financing these $3,000 bikes over 36 months interest-free or whatever it is, that's Affirm. PayPal has built out their own buy now, pay later service so I guess Square figured they need to catch up and they're late to the party here. This also helped Square get into online retail because most of these buy now, pay later purchases, not all, but most are made through card-not-present transactions either on a mobile app, on a retailer's website, something like that. They've grown tremendously. They've more than quadrupled their merchandise volume over the past few fiscal years and this adds an instant $700 million of revenue to Square's ecosystem, which as we saw on the previous slide, is not nothing.\nSquare's revenue without Bitcoin is just over $2 billion. Adding $700 million of revenue is not just a drop in the bucket. Especially, this is high margin revenue. Going through this, here's how Afterpay breaks down by region. They are based in Australia, which is why that Australia and New Zealand, the green color you see in the bars is so big. Brian mentioned domestic versus international growth plans at Square. Square is mostly a domestic business, they're in a few other markets around the world, I believe Australia is one of them, Brian?\nBrian Withers: Yes.\nFrankel: But they are mostly a domestic business at this point, Afterpay is not. The biggest source of their revenue is North America which might be surprising being that it's an Australian-based company. But it's not the bulk of it, Australia is almost as big as North America right there when you look at the revenue make-up here. Of those 16 million consumers that use Afterpay, you'd have to assume about half of them are outside of North America. So this really gives Square's international expansion opportunity a big shot in the arm. I'm excited to see that. I think that's a big part of what Square is thinking with the strategy. If they can open their Cash App up to 16 million users, 8 or 9 million of which are not in North America, I think it's a pretty big deal. \nWithers: It's interesting to me, it looked the two things that you brought forward, these large merchants like CVS and Amazon, I think before this, Square really didn't have any reason to talk to these retailers or these enterprise-sized businesses at all. Certainly, CVS and these other companies are not going to use Square terminals for cash payments and they might take, I guess if Square had a credit card, wanted to say they did, they'd do that but that would be the only piece. So they get exposure, maybe not serving them as a customer, but really getting to understand these larger businesses and what drives them. Then on the international side, like you said, I think the last number I saw was 94% of their revenue was, I think U.S. and Canada. Six percent outside of and U.K. They just got into Ireland, Australia, and a few other countries in Europe and that's it.\nFrankel: Yeah, so this is going to be really big for their international plans. They outlined their rationale for it and like their growth slide show that Brian mentioned it's not that specific. They mentioned they want to integrate it in both the seller and Cash App ecosystems. They want to allow Square sellers to facilitate buy now, pay later plans. They want to let Afterpay users access their accounts through the Cash App, which are just smart strategic move because then it shows them all the other Cash App features that they can use. A couple of more things I wanted to mention here, integrating into the seller ecosystem so any Square seller can offer buy now, pay later which helps level the playing field between smaller merchants and large ones that have traditionally been able to offer this stuff and in Cash App, you'll see you can start your Afterpay installment plan right through the Cash App, which will be much better functionality than right now. Because I got to admit if I wanted to do buy now, pay later unless the retailer had a button that said \"Use Afterpay for this,\" I wouldn't know how to do it. That really can help Afterpay's growth story continue. The other thing I wanted to mention before I hand it back to Brian, I think we have to wrap it up in a couple of minutes.\nWithers: Yeah.\nFrankel: The transaction overview I mentioned, it's an all-stock transaction. That $29 billion is based on, as of the date this was announced. Afterpay shareholders, which it trades on the Australian Stock Exchange will get 0.375 shares of Square for every Afterpay share they own. The valuation can actually change. I think it has changed. I think it's in the $30 billions right now. That's the Afterpay acquisition in a nutshell. I like the acquisition, not really the price.","news_type":1},"isVote":1,"tweetType":1,"viewCount":920,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":895161979,"gmtCreate":1628729061091,"gmtModify":1628729061091,"author":{"id":"3562204142746468","authorId":"3562204142746468","name":"16dad","avatar":"https://static.tigerbbs.com/d3f5812504b4b17c4e1da8d2c3088ad4","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562204142746468","authorIdStr":"3562204142746468"},"themes":[],"htmlText":"这篇文章不错，转发给大家看","listText":"这篇文章不错，转发给大家看","text":"这篇文章不错，转发给大家看","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/895161979","repostId":"895093888","repostType":1,"repost":{"id":895093888,"gmtCreate":1628687400000,"gmtModify":1628729944362,"author":{"id":"3538087091501291","authorId":"3538087091501291","name":"小镇做T家","avatar":"https://static.tigerbbs.com/7ef0ee32208f951b13f627ec6aa4ea3c","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3538087091501291","authorIdStr":"3538087091501291"},"themes":[],"title":"辉瑞疫苗的背后：揭秘欧洲最大生物技术独角兽BioNTech","htmlText":"最近疫苗概念股又掀起了一波热潮，很多公司股价纷纷创下历史新高，其中最有代表性的就是<a target=\"_blank\" href=\"https://laohu8.com/S/BNTX\">$BioNTech SE(BNTX)$</a>。今年以来，这家德国疫苗研发公司的股价已上涨接近5倍！错过这班快车的我非常懊悔，因为去年11月我曾在自己的政经号上写过这家公司，只不过当时还没有开美股账户... 现在重新审视一下这家公司，或许我们能从中找到其股价翻5倍的奥秘所在。除了疫情大背景，公司自身的优秀与努力也是非常关键的。希望这篇文章能带给你一些思考，找到下一个5倍股。 ----------------- 北京时间11月9日晚间，知名海外媒体CNBC报道，美国制药公司辉瑞和德国生物技术公司BioNTech针对新冠病毒在大规模试验的首批中期结果表明，该候选疫苗的有效率为90％。该公司表示，该疫苗目前还没有发现严重的副作用。疫苗效果远远超出了大多数专家的预期。&nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp; &nbsp; &nbsp; &nbsp; 消息一出，欧美股市大涨，研发疫苗的BioNTech和辉瑞（Pfizer）股价分别上涨了13.91%和7.69%，而此前受疫情拖累的一些板块的涨幅超过了15%甚至20%。 &nbsp; &nbsp; &nbsp; &nbsp;&nbsp; &nbsp; &nbsp; 90%的有效率是什么概念呢？美国药监局（FDA）设立的批准门槛是有效性大于50%，一般流感疫苗有效性达到70%就可以烧高香了，在一些疫苗的研发中，因为疫苗和流行毒株错配了导致疫苗有效性只有10%。 &nbsp; &nbsp; &nbsp; &nbsp;&nbsp; &nbsp; &nbsp; 根据披露的数据来看，BioNTech的新冠疫苗临床三期接","listText":"最近疫苗概念股又掀起了一波热潮，很多公司股价纷纷创下历史新高，其中最有代表性的就是<a target=\"_blank\" href=\"https://laohu8.com/S/BNTX\">$BioNTech SE(BNTX)$</a>。今年以来，这家德国疫苗研发公司的股价已上涨接近5倍！错过这班快车的我非常懊悔，因为去年11月我曾在自己的政经号上写过这家公司，只不过当时还没有开美股账户... 现在重新审视一下这家公司，或许我们能从中找到其股价翻5倍的奥秘所在。除了疫情大背景，公司自身的优秀与努力也是非常关键的。希望这篇文章能带给你一些思考，找到下一个5倍股。 ----------------- 北京时间11月9日晚间，知名海外媒体CNBC报道，美国制药公司辉瑞和德国生物技术公司BioNTech针对新冠病毒在大规模试验的首批中期结果表明，该候选疫苗的有效率为90％。该公司表示，该疫苗目前还没有发现严重的副作用。疫苗效果远远超出了大多数专家的预期。&nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp; &nbsp; &nbsp; &nbsp; 消息一出，欧美股市大涨，研发疫苗的BioNTech和辉瑞（Pfizer）股价分别上涨了13.91%和7.69%，而此前受疫情拖累的一些板块的涨幅超过了15%甚至20%。 &nbsp; &nbsp; &nbsp; &nbsp;&nbsp; &nbsp; &nbsp; 90%的有效率是什么概念呢？美国药监局（FDA）设立的批准门槛是有效性大于50%，一般流感疫苗有效性达到70%就可以烧高香了，在一些疫苗的研发中，因为疫苗和流行毒株错配了导致疫苗有效性只有10%。 &nbsp; &nbsp; &nbsp; &nbsp;&nbsp; &nbsp; &nbsp; 根据披露的数据来看，BioNTech的新冠疫苗临床三期接","text":"最近疫苗概念股又掀起了一波热潮，很多公司股价纷纷创下历史新高，其中最有代表性的就是$BioNTech SE(BNTX)$。今年以来，这家德国疫苗研发公司的股价已上涨接近5倍！错过这班快车的我非常懊悔，因为去年11月我曾在自己的政经号上写过这家公司，只不过当时还没有开美股账户... 现在重新审视一下这家公司，或许我们能从中找到其股价翻5倍的奥秘所在。除了疫情大背景，公司自身的优秀与努力也是非常关键的。希望这篇文章能带给你一些思考，找到下一个5倍股。 ----------------- 北京时间11月9日晚间，知名海外媒体CNBC报道，美国制药公司辉瑞和德国生物技术公司BioNTech针对新冠病毒在大规模试验的首批中期结果表明，该候选疫苗的有效率为90％。该公司表示，该疫苗目前还没有发现严重的副作用。疫苗效果远远超出了大多数专家的预期。 消息一出，欧美股市大涨，研发疫苗的BioNTech和辉瑞（Pfizer）股价分别上涨了13.91%和7.69%，而此前受疫情拖累的一些板块的涨幅超过了15%甚至20%。 90%的有效率是什么概念呢？美国药监局（FDA）设立的批准门槛是有效性大于50%，一般流感疫苗有效性达到70%就可以烧高香了，在一些疫苗的研发中，因为疫苗和流行毒株错配了导致疫苗有效性只有10%。 根据披露的数据来看，BioNTech的新冠疫苗临床三期接","images":[{"img":"https://static.tigerbbs.com/73cd927b946840d8be5395293091ab22","width":"-1","height":"-1"},{"img":"https://static.tigerbbs.com/c24195cb9e434b9eba26f63d8c0cf11e","width":"-1","height":"-1"},{"img":"https://static.tigerbbs.com/3ee7d18e2a4a483293a6c686c0db0eae","width":"-1","height":"-1"}],"top":1,"highlighted":2,"essential":2,"paper":2,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/895093888","isVote":1,"tweetType":1,"viewCount":0,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":21,"langContent":"CN","totalScore":0},"isVote":1,"tweetType":1,"viewCount":479,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":142105053,"gmtCreate":1626135107872,"gmtModify":1626135107872,"author":{"id":"3562204142746468","authorId":"3562204142746468","name":"16dad","avatar":"https://static.tigerbbs.com/d3f5812504b4b17c4e1da8d2c3088ad4","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562204142746468","authorIdStr":"3562204142746468"},"themes":[],"htmlText":"这篇文章不错，转发给大家看","listText":"这篇文章不错，转发给大家看","text":"这篇文章不错，转发给大家看","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/142105053","repostId":"146877479","repostType":1,"repost":{"id":146877479,"gmtCreate":1626071704287,"gmtModify":1626085992210,"author":{"id":"36979109942400","authorId":"36979109942400","name":"小虎周报","avatar":"https://static.laohu8.com/f7b172cf773c77a3f0df67695c126b51","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"36979109942400","authorIdStr":"36979109942400"},"themes":[],"title":"FIGS：如何靠时尚医护服装，实现146%的复合增长率？","htmlText":"作为一家生产、销售手术服服装的企业，<a target=\"_blank\" href=\"https://laohu8.com/S/FIGS\">$FIGS, Inc.(FIGS)$</a> 打破传统的批发模式，通过线上直接向医护工作者销售手术服。公司于2021年5月27日登陆纽交所，这样一个小而美的垂类服装品牌，过去三年，如何实现146%的复合增长率，将估值提升到近70亿美金的水平？ FIGS拥有社区平台，2020年FIGS的社区用户增长了一倍，2021年一季度达到150万，其中60%是回头客。推荐、口碑营销成为FIGS重要的展业形式。例如，与 KOL和其他影响力人群合作，据招股书，230位医疗领域核心KOL的宣传助阵，帮助FIGS品牌传播至数百万的医疗人员。更具包容性的社区，扮演了医疗领域生态系统的角色。而FIGS也是走纯线上模式，有98%的产品是通过网站和移动应用程序在内的数字平台来进行销售。 FIGS还通过社交媒体助力获客，提高品牌知名度。FIGS注重在社交媒体上的宣传，根据我们统计，截至7月初，FIGS在各大社交媒体粉丝数：Facebook粉丝31.9w；instagram粉丝数60.4w，Pinterest2.3w粉丝；Twitter粉丝1.4w；以及公司正在发力运营的Tiktok 目前约1.7w粉丝； FIGS是一家高速增长，且还能够实现盈利的成长性公司。2020年，公司大幅提升产能以满足抗疫一线对专业医护服装及器械的需求。2020年FIGS销售收入达2.63亿美元，同比增长138%，利润达到5700万美元，兼顾成长与盈利，这在成长股中还属于罕见。 用户结构方面，FIGS的女性客户占比高达83%，且医疗行业普遍收入偏高。男性业务仅占2020 年净收入17%。公司招股书显示，2019年男性平均占美国医疗保健劳动力的 25% 左右，但FIGS认为这为扩大我们的客户群提供","listText":"作为一家生产、销售手术服服装的企业，<a target=\"_blank\" href=\"https://laohu8.com/S/FIGS\">$FIGS, Inc.(FIGS)$</a> 打破传统的批发模式，通过线上直接向医护工作者销售手术服。公司于2021年5月27日登陆纽交所，这样一个小而美的垂类服装品牌，过去三年，如何实现146%的复合增长率，将估值提升到近70亿美金的水平？ FIGS拥有社区平台，2020年FIGS的社区用户增长了一倍，2021年一季度达到150万，其中60%是回头客。推荐、口碑营销成为FIGS重要的展业形式。例如，与 KOL和其他影响力人群合作，据招股书，230位医疗领域核心KOL的宣传助阵，帮助FIGS品牌传播至数百万的医疗人员。更具包容性的社区，扮演了医疗领域生态系统的角色。而FIGS也是走纯线上模式，有98%的产品是通过网站和移动应用程序在内的数字平台来进行销售。 FIGS还通过社交媒体助力获客，提高品牌知名度。FIGS注重在社交媒体上的宣传，根据我们统计，截至7月初，FIGS在各大社交媒体粉丝数：Facebook粉丝31.9w；instagram粉丝数60.4w，Pinterest2.3w粉丝；Twitter粉丝1.4w；以及公司正在发力运营的Tiktok 目前约1.7w粉丝； FIGS是一家高速增长，且还能够实现盈利的成长性公司。2020年，公司大幅提升产能以满足抗疫一线对专业医护服装及器械的需求。2020年FIGS销售收入达2.63亿美元，同比增长138%，利润达到5700万美元，兼顾成长与盈利，这在成长股中还属于罕见。 用户结构方面，FIGS的女性客户占比高达83%，且医疗行业普遍收入偏高。男性业务仅占2020 年净收入17%。公司招股书显示，2019年男性平均占美国医疗保健劳动力的 25% 左右，但FIGS认为这为扩大我们的客户群提供","text":"作为一家生产、销售手术服服装的企业，$FIGS, Inc.(FIGS)$ 打破传统的批发模式，通过线上直接向医护工作者销售手术服。公司于2021年5月27日登陆纽交所，这样一个小而美的垂类服装品牌，过去三年，如何实现146%的复合增长率，将估值提升到近70亿美金的水平？ FIGS拥有社区平台，2020年FIGS的社区用户增长了一倍，2021年一季度达到150万，其中60%是回头客。推荐、口碑营销成为FIGS重要的展业形式。例如，与 KOL和其他影响力人群合作，据招股书，230位医疗领域核心KOL的宣传助阵，帮助FIGS品牌传播至数百万的医疗人员。更具包容性的社区，扮演了医疗领域生态系统的角色。而FIGS也是走纯线上模式，有98%的产品是通过网站和移动应用程序在内的数字平台来进行销售。 FIGS还通过社交媒体助力获客，提高品牌知名度。FIGS注重在社交媒体上的宣传，根据我们统计，截至7月初，FIGS在各大社交媒体粉丝数：Facebook粉丝31.9w；instagram粉丝数60.4w，Pinterest2.3w粉丝；Twitter粉丝1.4w；以及公司正在发力运营的Tiktok 目前约1.7w粉丝； FIGS是一家高速增长，且还能够实现盈利的成长性公司。2020年，公司大幅提升产能以满足抗疫一线对专业医护服装及器械的需求。2020年FIGS销售收入达2.63亿美元，同比增长138%，利润达到5700万美元，兼顾成长与盈利，这在成长股中还属于罕见。 用户结构方面，FIGS的女性客户占比高达83%，且医疗行业普遍收入偏高。男性业务仅占2020 年净收入17%。公司招股书显示，2019年男性平均占美国医疗保健劳动力的 25% 左右，但FIGS认为这为扩大我们的客户群提供","images":[{"img":"https://static.tigerbbs.com/7e0b9eb724b1e76fedaa542de7c4ddcb","width":"1148","height":"644"},{"img":"https://static.tigerbbs.com/0c749722ab17e84aaf4249113ae541a8","width":"1148","height":"571"},{"img":"https://static.tigerbbs.com/6debd5f47acf951eecea2f516869d27b","width":"1138","height":"646"}],"top":1,"highlighted":2,"essential":2,"paper":2,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/146877479","isVote":1,"tweetType":1,"viewCount":0,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":14,"langContent":"CN","totalScore":0},"isVote":1,"tweetType":1,"viewCount":514,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":349757906,"gmtCreate":1617643752405,"gmtModify":1617643752405,"author":{"id":"3562204142746468","authorId":"3562204142746468","name":"16dad","avatar":"https://static.tigerbbs.com/d3f5812504b4b17c4e1da8d2c3088ad4","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562204142746468","authorIdStr":"3562204142746468"},"themes":[],"htmlText":"这篇文章不错，转发给大家看","listText":"这篇文章不错，转发给大家看","text":"这篇文章不错，转发给大家看","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/349757906","repostId":"384162653","repostType":1,"repost":{"id":384162653,"gmtCreate":1613627446372,"gmtModify":1617875265610,"author":{"id":"3460459258865476","authorId":"3460459258865476","name":"新经济IPO","avatar":"https://static.tigerbbs.com/9d817b2039a58fbb32ab93d2a5d56450","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3460459258865476","authorIdStr":"3460459258865476"},"themes":[],"title":"估值1000亿元，黑石投资的在线博彩业支付巨头Paysafe贵吗？","htmlText":"Paysafe是英国一家领先的在线支付机构。2020年12月，著名投资者、亿万富翁比尔·弗利（Bill Foley）投资的空白支票公司Foley Trasimene Acquisition宣布，将以90亿美元的估值收购Paysafe。<a target=\"_blank\" href=\"https://laohu8.com/S/BFT\">$Foley Trasimene Acquisition II Corp(BFT)$</a>这意味着Paysafe将通过借壳FoleyTrasimene Acquisition再次上市。为何说是再次呢？2017年，黑石和CVC Capital Partner以47亿美元的价格将Paysafe私有化。黑石收购完Paysafe后，先后投入了2.5亿美元完善和提升公司产品和技术平台，并投入10亿美元进行战略并购，多元化公司业务。目前，Paysafe已进入美国12个州的电子博彩行业。以收购价看，黑石这笔投资回报接近100%，当然由于并购后的公司实际市值已经达到了150亿美元，其回报率超过了300%。Paysafe的产品和服务包括电子钱包、数字货币和支付交易处理。据公司预计，2021年，其交易规模预计将达到1030亿美元，收入超过15亿美元，毛利润约9.6亿美元。具体来看，2021年，其数字钱包活跃用户将达380万，钱包存款余额10亿美元；交易规模将达到230亿美元，费率约1.9%，收入预计将达到4.41亿元，毛利润约3.59亿元。2021年，电子现金用户预计达到1200万，交易规模达50亿美元，费率约6.8%，收入约3.18亿美元，毛利润约1.7亿美元。2021年，交易处理业务覆盖商家25万户，交易规模约750亿美元，费率约1%，收入约7.64亿美元，毛利润约4.32亿美元。来源：公司招股书不过，公司对未来2020-2023年的收入增速似乎不太乐观，给","listText":"Paysafe是英国一家领先的在线支付机构。2020年12月，著名投资者、亿万富翁比尔·弗利（Bill Foley）投资的空白支票公司Foley Trasimene Acquisition宣布，将以90亿美元的估值收购Paysafe。<a target=\"_blank\" href=\"https://laohu8.com/S/BFT\">$Foley Trasimene Acquisition II Corp(BFT)$</a>这意味着Paysafe将通过借壳FoleyTrasimene Acquisition再次上市。为何说是再次呢？2017年，黑石和CVC Capital Partner以47亿美元的价格将Paysafe私有化。黑石收购完Paysafe后，先后投入了2.5亿美元完善和提升公司产品和技术平台，并投入10亿美元进行战略并购，多元化公司业务。目前，Paysafe已进入美国12个州的电子博彩行业。以收购价看，黑石这笔投资回报接近100%，当然由于并购后的公司实际市值已经达到了150亿美元，其回报率超过了300%。Paysafe的产品和服务包括电子钱包、数字货币和支付交易处理。据公司预计，2021年，其交易规模预计将达到1030亿美元，收入超过15亿美元，毛利润约9.6亿美元。具体来看，2021年，其数字钱包活跃用户将达380万，钱包存款余额10亿美元；交易规模将达到230亿美元，费率约1.9%，收入预计将达到4.41亿元，毛利润约3.59亿元。2021年，电子现金用户预计达到1200万，交易规模达50亿美元，费率约6.8%，收入约3.18亿美元，毛利润约1.7亿美元。2021年，交易处理业务覆盖商家25万户，交易规模约750亿美元，费率约1%，收入约7.64亿美元，毛利润约4.32亿美元。来源：公司招股书不过，公司对未来2020-2023年的收入增速似乎不太乐观，给","text":"Paysafe是英国一家领先的在线支付机构。2020年12月，著名投资者、亿万富翁比尔·弗利（Bill Foley）投资的空白支票公司Foley Trasimene Acquisition宣布，将以90亿美元的估值收购Paysafe。$Foley Trasimene Acquisition II Corp(BFT)$这意味着Paysafe将通过借壳FoleyTrasimene Acquisition再次上市。为何说是再次呢？2017年，黑石和CVC Capital Partner以47亿美元的价格将Paysafe私有化。黑石收购完Paysafe后，先后投入了2.5亿美元完善和提升公司产品和技术平台，并投入10亿美元进行战略并购，多元化公司业务。目前，Paysafe已进入美国12个州的电子博彩行业。以收购价看，黑石这笔投资回报接近100%，当然由于并购后的公司实际市值已经达到了150亿美元，其回报率超过了300%。Paysafe的产品和服务包括电子钱包、数字货币和支付交易处理。据公司预计，2021年，其交易规模预计将达到1030亿美元，收入超过15亿美元，毛利润约9.6亿美元。具体来看，2021年，其数字钱包活跃用户将达380万，钱包存款余额10亿美元；交易规模将达到230亿美元，费率约1.9%，收入预计将达到4.41亿元，毛利润约3.59亿元。2021年，电子现金用户预计达到1200万，交易规模达50亿美元，费率约6.8%，收入约3.18亿美元，毛利润约1.7亿美元。2021年，交易处理业务覆盖商家25万户，交易规模约750亿美元，费率约1%，收入约7.64亿美元，毛利润约4.32亿美元。来源：公司招股书不过，公司对未来2020-2023年的收入增速似乎不太乐观，给","images":[{"img":"https://static.tigerbbs.com/6d422a7dc87be4d744075360d56ef642"},{"img":"https://static.tigerbbs.com/1a83a822e0f53b0541fb11444c46f301"},{"img":"https://static.tigerbbs.com/9711a7ecc1fdb8e95f2706efc387dee8"}],"top":1,"highlighted":1,"essential":2,"paper":2,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/384162653","isVote":1,"tweetType":1,"viewCount":0,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":12,"langContent":"CN","totalScore":0},"isVote":1,"tweetType":1,"viewCount":455,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":340120473,"gmtCreate":1617358701392,"gmtModify":1617358701392,"author":{"id":"3562204142746468","authorId":"3562204142746468","name":"16dad","avatar":"https://static.tigerbbs.com/d3f5812504b4b17c4e1da8d2c3088ad4","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562204142746468","authorIdStr":"3562204142746468"},"themes":[],"htmlText":"这篇文章不错，转发给大家看","listText":"这篇文章不错，转发给大家看","text":"这篇文章不错，转发给大家看","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/340120473","repostId":"2124043212","repostType":2,"isVote":1,"tweetType":1,"viewCount":338,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":351307647,"gmtCreate":1616560111389,"gmtModify":1616560111389,"author":{"id":"3562204142746468","authorId":"3562204142746468","name":"16dad","avatar":"https://static.tigerbbs.com/d3f5812504b4b17c4e1da8d2c3088ad4","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562204142746468","authorIdStr":"3562204142746468"},"themes":[],"htmlText":"这篇文章不错，转发给大家看","listText":"这篇文章不错，转发给大家看","text":"这篇文章不错，转发给大家看","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/351307647","repostId":"324814093","repostType":1,"repost":{"id":324814093,"gmtCreate":1615982111212,"gmtModify":1703495879458,"author":{"id":"3555912730539938","authorId":"3555912730539938","name":"松果财经","avatar":"https://static.tigerbbs.com/62f60e23a6d7da19c7efdae990c3b8fb","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3555912730539938","authorIdStr":"3555912730539938"},"themes":[],"title":"估值最高20亿，soul 到底有什么投资价值？","htmlText":"万万没想到，主打“灵魂”交友的soul竟然要上市了。3月17日消息，据多家报道，中国约会和聊天应用Soul计划IPO，目前正在与潜在投资者交流，计划以超过10亿美元的估值募资2亿美元，投资者将Soul的估值看高至20亿美元。随后Soul方面表示，公司没有确定的上市计划。做陌生人社交软件的这么多，为什么soul能在一众传统陌生人社交产品中脱颖而出？资本又为何给soul这么高的估值呢？soul的“灵魂”之路Soul创立于2016年，基于性格兴趣等心灵特征，应用大数据及人工智能技术为用户推送最感兴趣的人和内容，是一款号称“不看脸只看灵魂的”的社交应用。在soul里，用户上传的所有资料照片都会进行匿名化处理，代之以卡通形象，从而尽可能减少外貌的影响。由于专注于聊天， Soul非常受青少年欢迎。早在2017年3月和2018年3月就完成了由五源资本（原晨星资本）、元生资本等机构领投的A轮和B轮融资。根据PitchBook的数据，Soul目前通过私有投资者累计融资6000万美元。该公司的股东包括DST Global、5Y Capital（之前名为Morningside Venture Capital）和纪源资本。Soul的IPO财务顾问包括CICC、摩根士丹利、Jefferies和美国银行，资本实力不容小觑。那么，资本为什么看好soul呢？soul的“过人”之处和其他陌生人交友软件相比，soul的优势在哪？下面《松果财经》带大家盘点一下，soul 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1.监管的直接影响 本次征求意见稿最引人注目的就是“电子烟等新型烟草制品参照本条例中关于卷烟的有关规定执行”，最为市场担心的就是，将电子烟纳入烟草管理条例由烟草专卖行政主管进行管理。但这种风险我认为不大，首先由发文机构来分析，本次征求意见稿的是由工信部提交而非烟草专卖局，基本可以确定未来电子烟的行政管理权归属工信部与烟草专卖局和工商管理部门联合管理。 我们业内其实最担心的是将电子烟纳入烟草专卖法进行管理，而现在是“参照”现有有关规定执行，说明在现有情况下新型烟草并未完全视同为烟草制品，利用现有法律条例进行依法监管，未来不排除针对新兴烟草进行新的立法。目前对于我们电子烟业内的共识是利好，因为是“依法监管”而非禁止。 而将电子烟纳入监管范围有4大环节，分别为烟油烟弹的生产加工、烟具的生产加工、产品流通、销售。烟油里只有4种成分（尼古丁盐、丙二醇、丙三醇、香精香料），丙二醇、丙三醇属于基础化工产品，香精香料属于食品添加剂，尼古丁属于危险化学品，目前只有尼古丁和尼古丁盐是有可能会被监管的成分，但我个人认为监管不会完全切断尼古丁的生产，因为目前尼古丁已经有人工合成尼古丁了，参照烟草管理核心资料对生产、运输、经营都需要取得资质。 我认为比较有可能的监管措施是限制尼古丁含量/浓度，像欧盟TPD一样要求将烟油的尼古丁浓度限制为2%（目前常规产品为3.5-5%）。上游工厂和品牌对尼古丁浓进行调整，下游消费者需求仍可以满足，电子烟产业链整体合规化经营发展。而烟弹烟具的生产加工，更像是电子","listText":"Hello!各位虎友，我是博派资本的李欧成，作为6年的老虎友第一次在老虎社区内跟大家交流。我本人是国内最早的电子烟投资人，早在2015年我就开始投资电子烟的上下游产业，并且我也是RLX和思摩尔的重仓长期持有者，今天工信部发布关于电子烟监管的征求意见稿，各位虎友对于电子烟行业监管风暴议论纷纷，我来讲下我的看法。 1.监管的直接影响 本次征求意见稿最引人注目的就是“电子烟等新型烟草制品参照本条例中关于卷烟的有关规定执行”，最为市场担心的就是，将电子烟纳入烟草管理条例由烟草专卖行政主管进行管理。但这种风险我认为不大，首先由发文机构来分析，本次征求意见稿的是由工信部提交而非烟草专卖局，基本可以确定未来电子烟的行政管理权归属工信部与烟草专卖局和工商管理部门联合管理。 我们业内其实最担心的是将电子烟纳入烟草专卖法进行管理，而现在是“参照”现有有关规定执行，说明在现有情况下新型烟草并未完全视同为烟草制品，利用现有法律条例进行依法监管，未来不排除针对新兴烟草进行新的立法。目前对于我们电子烟业内的共识是利好，因为是“依法监管”而非禁止。 而将电子烟纳入监管范围有4大环节，分别为烟油烟弹的生产加工、烟具的生产加工、产品流通、销售。烟油里只有4种成分（尼古丁盐、丙二醇、丙三醇、香精香料），丙二醇、丙三醇属于基础化工产品，香精香料属于食品添加剂，尼古丁属于危险化学品，目前只有尼古丁和尼古丁盐是有可能会被监管的成分，但我个人认为监管不会完全切断尼古丁的生产，因为目前尼古丁已经有人工合成尼古丁了，参照烟草管理核心资料对生产、运输、经营都需要取得资质。 我认为比较有可能的监管措施是限制尼古丁含量/浓度，像欧盟TPD一样要求将烟油的尼古丁浓度限制为2%（目前常规产品为3.5-5%）。上游工厂和品牌对尼古丁浓进行调整，下游消费者需求仍可以满足，电子烟产业链整体合规化经营发展。而烟弹烟具的生产加工，更像是电子","text":"Hello!各位虎友，我是博派资本的李欧成，作为6年的老虎友第一次在老虎社区内跟大家交流。我本人是国内最早的电子烟投资人，早在2015年我就开始投资电子烟的上下游产业，并且我也是RLX和思摩尔的重仓长期持有者，今天工信部发布关于电子烟监管的征求意见稿，各位虎友对于电子烟行业监管风暴议论纷纷，我来讲下我的看法。 1.监管的直接影响 本次征求意见稿最引人注目的就是“电子烟等新型烟草制品参照本条例中关于卷烟的有关规定执行”，最为市场担心的就是，将电子烟纳入烟草管理条例由烟草专卖行政主管进行管理。但这种风险我认为不大，首先由发文机构来分析，本次征求意见稿的是由工信部提交而非烟草专卖局，基本可以确定未来电子烟的行政管理权归属工信部与烟草专卖局和工商管理部门联合管理。 我们业内其实最担心的是将电子烟纳入烟草专卖法进行管理，而现在是“参照”现有有关规定执行，说明在现有情况下新型烟草并未完全视同为烟草制品，利用现有法律条例进行依法监管，未来不排除针对新兴烟草进行新的立法。目前对于我们电子烟业内的共识是利好，因为是“依法监管”而非禁止。 而将电子烟纳入监管范围有4大环节，分别为烟油烟弹的生产加工、烟具的生产加工、产品流通、销售。烟油里只有4种成分（尼古丁盐、丙二醇、丙三醇、香精香料），丙二醇、丙三醇属于基础化工产品，香精香料属于食品添加剂，尼古丁属于危险化学品，目前只有尼古丁和尼古丁盐是有可能会被监管的成分，但我个人认为监管不会完全切断尼古丁的生产，因为目前尼古丁已经有人工合成尼古丁了，参照烟草管理核心资料对生产、运输、经营都需要取得资质。 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href=\"https://laohu8.com/S/FFIE\">$Faraday Future(FFIE)$ &nbsp;</a>","listText":"<a href=\"https://laohu8.com/S/FFIE\">$Faraday Future(FFIE)$ &nbsp;</a>","text":"$Faraday Future(FFIE)$","images":[{"img":"https://static.tigerbbs.com/5b3651e9f70dd9b0313ce948bc795a3a","width":"1160","height":"2343"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":5,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/305854868631584","isVote":1,"tweetType":1,"viewCount":702,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":380232299950464,"gmtCreate":1733855439330,"gmtModify":1733855440907,"author":{"id":"3562204142746468","authorId":"3562204142746468","name":"16dad","avatar":"https://static.tigerbbs.com/d3f5812504b4b17c4e1da8d2c3088ad4","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562204142746468","authorIdStr":"3562204142746468"},"themes":[],"htmlText":"这篇文章不错，转发给大家看看","listText":"这篇文章不错，转发给大家看看","text":"这篇文章不错，转发给大家看看","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/380232299950464","repostId":"244896993333544","repostType":1,"repost":{"id":244896993333544,"gmtCreate":1700803955597,"gmtModify":1700804468191,"author":{"id":"4107320132914470","authorId":"4107320132914470","name":"真灼财经","avatar":"https://static.tigerbbs.com/54ec1af9dc66dbb6c8710d73595d2675","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"4107320132914470","authorIdStr":"4107320132914470"},"themes":[],"title":"【真灼财经】XTransfer与TransferMate强强连手达成战略合作，为全球进出口商创造市场新机遇","htmlText":"真灼财经2023年11月24日讯，B2B外贸金融科技第一平台XTransfer与全球一流的B2B支付基础设施即服务提供商TransferMate，共同欣然宣布于新加坡金融科技节中，签订战略合作协议。 <a href=\"https://laohu8.com/S/HSI\">$恒生指数(HSI)$</a> &nbsp; XTransfer成立以来致力于为中小企业提供安全合规、快速、便利、低成本的全球贸易收付款金融解决方案，大幅降低其拓展业务的门坎及成本，提升全球竞争力。 &nbsp; CluneTech旗下子公司TransferMate拥有全球最全面以及先进的支付网络，支持企业和个人贸易，使其能以超过140种货币在超过200个国家进行跨境支付，就像进行国内资金转移一样轻松简单。 &nbsp; 外贸中小企业于跨境支付和收款时经常遇到不同挑战，面对在传统银行开户难、资金冻结风险高、汇兑损失大、汇款时间长、汇款成本高等难题。而XTransfer的「本地账户」正可符合外贸中小企业的需求，为其提供合规、高效、便利、低成本的全球贸易支付和资金收付解决方案。通过「本地账户」服务，XTransfer客户可直接于其买家该国以当地币种收取货款，后续按需将资金兑换成所需货币，从而降低汇兑损失，并加速外贸交易及结算。 &nbsp; 通过整合Transfermate的全球支付基础设施至XTransfer平台，为其超过40万家客户，于向美国、墨西哥、马来西亚、加拿大、新加坡以及新西兰收付款时，提供多一个「本地账户」的选择，预计机械、服装、电子产品、耐用消费品以及其他商品的进出口商将受惠于双方合作。这种「本地收款」并可高效转回至收款人当地账户的能力正是TransferMate全球监管基础设施的另一优势。另一方面，通过与中国行业龙头、客户数量领先的XTransfer合作，同样有助TransferMate扩大业务","listText":"真灼财经2023年11月24日讯，B2B外贸金融科技第一平台XTransfer与全球一流的B2B支付基础设施即服务提供商TransferMate，共同欣然宣布于新加坡金融科技节中，签订战略合作协议。 <a href=\"https://laohu8.com/S/HSI\">$恒生指数(HSI)$</a> &nbsp; XTransfer成立以来致力于为中小企业提供安全合规、快速、便利、低成本的全球贸易收付款金融解决方案，大幅降低其拓展业务的门坎及成本，提升全球竞争力。 &nbsp; CluneTech旗下子公司TransferMate拥有全球最全面以及先进的支付网络，支持企业和个人贸易，使其能以超过140种货币在超过200个国家进行跨境支付，就像进行国内资金转移一样轻松简单。 &nbsp; 外贸中小企业于跨境支付和收款时经常遇到不同挑战，面对在传统银行开户难、资金冻结风险高、汇兑损失大、汇款时间长、汇款成本高等难题。而XTransfer的「本地账户」正可符合外贸中小企业的需求，为其提供合规、高效、便利、低成本的全球贸易支付和资金收付解决方案。通过「本地账户」服务，XTransfer客户可直接于其买家该国以当地币种收取货款，后续按需将资金兑换成所需货币，从而降低汇兑损失，并加速外贸交易及结算。 &nbsp; 通过整合Transfermate的全球支付基础设施至XTransfer平台，为其超过40万家客户，于向美国、墨西哥、马来西亚、加拿大、新加坡以及新西兰收付款时，提供多一个「本地账户」的选择，预计机械、服装、电子产品、耐用消费品以及其他商品的进出口商将受惠于双方合作。这种「本地收款」并可高效转回至收款人当地账户的能力正是TransferMate全球监管基础设施的另一优势。另一方面，通过与中国行业龙头、客户数量领先的XTransfer合作，同样有助TransferMate扩大业务","text":"真灼财经2023年11月24日讯，B2B外贸金融科技第一平台XTransfer与全球一流的B2B支付基础设施即服务提供商TransferMate，共同欣然宣布于新加坡金融科技节中，签订战略合作协议。 $恒生指数(HSI)$ XTransfer成立以来致力于为中小企业提供安全合规、快速、便利、低成本的全球贸易收付款金融解决方案，大幅降低其拓展业务的门坎及成本，提升全球竞争力。 CluneTech旗下子公司TransferMate拥有全球最全面以及先进的支付网络，支持企业和个人贸易，使其能以超过140种货币在超过200个国家进行跨境支付，就像进行国内资金转移一样轻松简单。 外贸中小企业于跨境支付和收款时经常遇到不同挑战，面对在传统银行开户难、资金冻结风险高、汇兑损失大、汇款时间长、汇款成本高等难题。而XTransfer的「本地账户」正可符合外贸中小企业的需求，为其提供合规、高效、便利、低成本的全球贸易支付和资金收付解决方案。通过「本地账户」服务，XTransfer客户可直接于其买家该国以当地币种收取货款，后续按需将资金兑换成所需货币，从而降低汇兑损失，并加速外贸交易及结算。 通过整合Transfermate的全球支付基础设施至XTransfer平台，为其超过40万家客户，于向美国、墨西哥、马来西亚、加拿大、新加坡以及新西兰收付款时，提供多一个「本地账户」的选择，预计机械、服装、电子产品、耐用消费品以及其他商品的进出口商将受惠于双方合作。这种「本地收款」并可高效转回至收款人当地账户的能力正是TransferMate全球监管基础设施的另一优势。另一方面，通过与中国行业龙头、客户数量领先的XTransfer合作，同样有助TransferMate扩大业务","images":[{"img":"https://static.tigerbbs.com/416109b8d747f4f8913c22293f6df0b1","width":"639","height":"425"}],"top":1,"highlighted":1,"essential":1,"paper":2,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/244896993333544","isVote":1,"tweetType":1,"viewCount":0,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"CN","totalScore":0},"isVote":1,"tweetType":1,"viewCount":13,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":689131784,"gmtCreate":1655421512550,"gmtModify":1704862277298,"author":{"id":"3562204142746468","authorId":"3562204142746468","name":"16dad","avatar":"https://static.tigerbbs.com/d3f5812504b4b17c4e1da8d2c3088ad4","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562204142746468","authorIdStr":"3562204142746468"},"themes":[],"htmlText":"这篇文章不错，转发给大家看","listText":"这篇文章不错，转发给大家看","text":"这篇文章不错，转发给大家看","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/689131784","repostId":"618022819","repostType":1,"repost":{"id":618022819,"gmtCreate":1650729251571,"gmtModify":1650767611459,"author":{"id":"3516684144781058","authorId":"3516684144781058","name":"FlowingCash","avatar":"https://static.tigerbbs.com/67bf943fe99e7187f6072ef83d10041a","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3516684144781058","authorIdStr":"3516684144781058"},"themes":[],"title":"Silvergate｜近看是银行，远看是Crypto","htmlText":"<a target=\"_blank\" href=\"https://laohu8.com/S/SI\">$Silvergate Capital(SI)$</a>&nbsp;被认为是目前排名第一个Crypto bank，也就是围绕Crypto提供银行服务的机构。不过近看他们的财报，只能看出他们是家银行。例如SI的资产端，由各种资产组合组成，负债端主要来自储户的存款。再看SI的利润表，收入来源和传统银行一样是息差，在非利息收入中也没有直接点明来自Crypto的收入。SI能发展这么快，不仅三年内股价从7.6涨到现在128，而且2022年一季度的每股收益也大幅超过预期79.5%，储存的存款从2021年一季度的70亿美元增加到2022年一季度134亿美元，原因是发现了Crypto银行服务的空白。SI是一家银行，银行的商业模式很简单，左手吸收存款，右手放贷或者投资。此外。吸收的存款是银行的负债端，需要成本。放贷是银行的资产端，会产生利息收入，利息和成本的差值就是息差。因此，银行的长期盈利目标就是增加息差，用尽量低的成本吸收存款，再以尽量高的利率放贷出去。商业银行在欧美存在非常久了，常规的吸收存款方式成本是确定的，因此充分竞争了。放贷的利息收入受到市场的影响，不是银行自己可以把控。Crypto行业因为BTC的诞生而出现，随着行业的增长，行业内出现了银行类服务的需求，这些需求没办法在传统银行得到满足。加上近两三年来，不少机构想要进入Crypto行业，却找不到稳妥的方式，SI就是抓住这个机会。2022年一季度，SI储户的总存款是134亿美元，来自Crypto行业的存款132亿美元，几乎全部都是Crypto客户。SI另辟蹊径，为Crypto客户提供银行服务，这些客户的总存款从2021年一季度的68亿美元，增长到2022年一季度的132亿美元，同比增长94%，这显然是个增量市场。更重要的是，SI吸收","listText":"<a target=\"_blank\" href=\"https://laohu8.com/S/SI\">$Silvergate Capital(SI)$</a>&nbsp;被认为是目前排名第一个Crypto bank，也就是围绕Crypto提供银行服务的机构。不过近看他们的财报，只能看出他们是家银行。例如SI的资产端，由各种资产组合组成，负债端主要来自储户的存款。再看SI的利润表，收入来源和传统银行一样是息差，在非利息收入中也没有直接点明来自Crypto的收入。SI能发展这么快，不仅三年内股价从7.6涨到现在128，而且2022年一季度的每股收益也大幅超过预期79.5%，储存的存款从2021年一季度的70亿美元增加到2022年一季度134亿美元，原因是发现了Crypto银行服务的空白。SI是一家银行，银行的商业模式很简单，左手吸收存款，右手放贷或者投资。此外。吸收的存款是银行的负债端，需要成本。放贷是银行的资产端，会产生利息收入，利息和成本的差值就是息差。因此，银行的长期盈利目标就是增加息差，用尽量低的成本吸收存款，再以尽量高的利率放贷出去。商业银行在欧美存在非常久了，常规的吸收存款方式成本是确定的，因此充分竞争了。放贷的利息收入受到市场的影响，不是银行自己可以把控。Crypto行业因为BTC的诞生而出现，随着行业的增长，行业内出现了银行类服务的需求，这些需求没办法在传统银行得到满足。加上近两三年来，不少机构想要进入Crypto行业，却找不到稳妥的方式，SI就是抓住这个机会。2022年一季度，SI储户的总存款是134亿美元，来自Crypto行业的存款132亿美元，几乎全部都是Crypto客户。SI另辟蹊径，为Crypto客户提供银行服务，这些客户的总存款从2021年一季度的68亿美元，增长到2022年一季度的132亿美元，同比增长94%，这显然是个增量市场。更重要的是，SI吸收","text":"$Silvergate Capital(SI)$ 被认为是目前排名第一个Crypto bank，也就是围绕Crypto提供银行服务的机构。不过近看他们的财报，只能看出他们是家银行。例如SI的资产端，由各种资产组合组成，负债端主要来自储户的存款。再看SI的利润表，收入来源和传统银行一样是息差，在非利息收入中也没有直接点明来自Crypto的收入。SI能发展这么快，不仅三年内股价从7.6涨到现在128，而且2022年一季度的每股收益也大幅超过预期79.5%，储存的存款从2021年一季度的70亿美元增加到2022年一季度134亿美元，原因是发现了Crypto银行服务的空白。SI是一家银行，银行的商业模式很简单，左手吸收存款，右手放贷或者投资。此外。吸收的存款是银行的负债端，需要成本。放贷是银行的资产端，会产生利息收入，利息和成本的差值就是息差。因此，银行的长期盈利目标就是增加息差，用尽量低的成本吸收存款，再以尽量高的利率放贷出去。商业银行在欧美存在非常久了，常规的吸收存款方式成本是确定的，因此充分竞争了。放贷的利息收入受到市场的影响，不是银行自己可以把控。Crypto行业因为BTC的诞生而出现，随着行业的增长，行业内出现了银行类服务的需求，这些需求没办法在传统银行得到满足。加上近两三年来，不少机构想要进入Crypto行业，却找不到稳妥的方式，SI就是抓住这个机会。2022年一季度，SI储户的总存款是134亿美元，来自Crypto行业的存款132亿美元，几乎全部都是Crypto客户。SI另辟蹊径，为Crypto客户提供银行服务，这些客户的总存款从2021年一季度的68亿美元，增长到2022年一季度的132亿美元，同比增长94%，这显然是个增量市场。更重要的是，SI吸收","images":[{"img":"https://static.tigerbbs.com/281ed2394795e3e2b7feb1d16d9182e7","width":"632","height":"567"},{"img":"https://static.tigerbbs.com/7d6bea7d943a9f7dabc8fe3297013c08","width":"632","height":"235"},{"img":"https://static.tigerbbs.com/99a85751cd3b8bd56f8ed4ac2315e99b","width":"604","height":"343"}],"top":1,"highlighted":1,"essential":2,"paper":2,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/618022819","isVote":1,"tweetType":1,"viewCount":0,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":10,"langContent":"CN","totalScore":0},"isVote":1,"tweetType":1,"viewCount":950,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":689131342,"gmtCreate":1655421325411,"gmtModify":1704862276089,"author":{"id":"3562204142746468","authorId":"3562204142746468","name":"16dad","avatar":"https://static.tigerbbs.com/d3f5812504b4b17c4e1da8d2c3088ad4","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562204142746468","authorIdStr":"3562204142746468"},"themes":[],"htmlText":"这篇文章不错，转发给大家看","listText":"这篇文章不错，转发给大家看","text":"这篇文章不错，转发给大家看","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/689131342","repostId":"616756572","repostType":1,"repost":{"id":616756572,"gmtCreate":1652029468597,"gmtModify":1652068147603,"author":{"id":"3516684144781058","authorId":"3516684144781058","name":"FlowingCash","avatar":"https://static.tigerbbs.com/67bf943fe99e7187f6072ef83d10041a","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3516684144781058","authorIdStr":"3516684144781058"},"themes":[],"title":"周报：Block安全边际三层楼那么高","htmlText":"这个星期主要说一下<a target=\"_blank\" href=\"https://laohu8.com/S/SQ\">$Block(SQ)$</a>&nbsp;的一季度财报，这里我默认大家对Block已经有基本的了解。经常有人问我，能不能用一句话说明Block是做什么的？我认为Block是一个以支付为流量入口的金融生态。Square（Block的前身）确实是做支付起家的，现在的Block既有收单业务（Square生态），也有发卡业务（Cash&nbsp;App生态），在今年一季度完成Afterpay的收购后，逐渐将这两个生态打通。可以想象这样的场景，用户在收到工资后，工资留存在Cash&nbsp;App上，然后通过Afterpay实现线上消费，而且是无信用卡的分期付款。线下商铺使用Square的收单系统，接受Cash&nbsp;App自然是没问题的。用户有闲余资金，还能在Cash&nbsp;App上投资比特币。借贷当然也是有的，Cash&nbsp;App&nbsp;Borrow提供信用借贷。用户的资金留存、消费、借贷、投资都在Block的生态系统中完成，绕过传统金融体系和机构，自成一体。在资金留存方面，Block在4月份给全部Cash&nbsp;App&nbsp;Card都加入了FDIC保险，让用户更有信心把资金留存下来。在使用Square收单服务的卖家中，中型卖家在开设Square储蓄账户后马上注入资金的可能性是普通卖家的两倍。中型卖家在2022年一季度贡献了35%的GPV。回顾2020年一季度至今，在GPV占比中，中型卖家的占比从最小到最大，说明Square的收单业务在中型卖家中获得更多市场份额。Square不再只是小生意的收单工具，这个认知需要改变。(中型卖家是年化GPV大于50万美元的卖家）在消费方面，Jack在电话会议里表示，Afterpay已经集成到卖家端，刚刚","listText":"这个星期主要说一下<a target=\"_blank\" href=\"https://laohu8.com/S/SQ\">$Block(SQ)$</a>&nbsp;的一季度财报，这里我默认大家对Block已经有基本的了解。经常有人问我，能不能用一句话说明Block是做什么的？我认为Block是一个以支付为流量入口的金融生态。Square（Block的前身）确实是做支付起家的，现在的Block既有收单业务（Square生态），也有发卡业务（Cash&nbsp;App生态），在今年一季度完成Afterpay的收购后，逐渐将这两个生态打通。可以想象这样的场景，用户在收到工资后，工资留存在Cash&nbsp;App上，然后通过Afterpay实现线上消费，而且是无信用卡的分期付款。线下商铺使用Square的收单系统，接受Cash&nbsp;App自然是没问题的。用户有闲余资金，还能在Cash&nbsp;App上投资比特币。借贷当然也是有的，Cash&nbsp;App&nbsp;Borrow提供信用借贷。用户的资金留存、消费、借贷、投资都在Block的生态系统中完成，绕过传统金融体系和机构，自成一体。在资金留存方面，Block在4月份给全部Cash&nbsp;App&nbsp;Card都加入了FDIC保险，让用户更有信心把资金留存下来。在使用Square收单服务的卖家中，中型卖家在开设Square储蓄账户后马上注入资金的可能性是普通卖家的两倍。中型卖家在2022年一季度贡献了35%的GPV。回顾2020年一季度至今，在GPV占比中，中型卖家的占比从最小到最大，说明Square的收单业务在中型卖家中获得更多市场份额。Square不再只是小生意的收单工具，这个认知需要改变。(中型卖家是年化GPV大于50万美元的卖家）在消费方面，Jack在电话会议里表示，Afterpay已经集成到卖家端，刚刚","text":"这个星期主要说一下$Block(SQ)$ 的一季度财报，这里我默认大家对Block已经有基本的了解。经常有人问我，能不能用一句话说明Block是做什么的？我认为Block是一个以支付为流量入口的金融生态。Square（Block的前身）确实是做支付起家的，现在的Block既有收单业务（Square生态），也有发卡业务（Cash App生态），在今年一季度完成Afterpay的收购后，逐渐将这两个生态打通。可以想象这样的场景，用户在收到工资后，工资留存在Cash App上，然后通过Afterpay实现线上消费，而且是无信用卡的分期付款。线下商铺使用Square的收单系统，接受Cash App自然是没问题的。用户有闲余资金，还能在Cash App上投资比特币。借贷当然也是有的，Cash App Borrow提供信用借贷。用户的资金留存、消费、借贷、投资都在Block的生态系统中完成，绕过传统金融体系和机构，自成一体。在资金留存方面，Block在4月份给全部Cash App Card都加入了FDIC保险，让用户更有信心把资金留存下来。在使用Square收单服务的卖家中，中型卖家在开设Square储蓄账户后马上注入资金的可能性是普通卖家的两倍。中型卖家在2022年一季度贡献了35%的GPV。回顾2020年一季度至今，在GPV占比中，中型卖家的占比从最小到最大，说明Square的收单业务在中型卖家中获得更多市场份额。Square不再只是小生意的收单工具，这个认知需要改变。(中型卖家是年化GPV大于50万美元的卖家）在消费方面，Jack在电话会议里表示，Afterpay已经集成到卖家端，刚刚","images":[{"img":"https://static.tigerbbs.com/d8009f4c541dda75ddab1f5d015cc7e6","width":"632","height":"255"},{"img":"https://static.tigerbbs.com/50ec313cf619bd24a7b53b9e28b68953","width":"632","height":"258"},{"img":"https://static.tigerbbs.com/2f3decb4b6b15b492c0f7c7a23aafb88","width":"186","height":"198"}],"top":1,"highlighted":2,"essential":2,"paper":2,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/616756572","isVote":1,"tweetType":1,"viewCount":0,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":8,"langContent":"CN","totalScore":0},"isVote":1,"tweetType":1,"viewCount":514,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":602793663,"gmtCreate":1639063454960,"gmtModify":1639063454960,"author":{"id":"3562204142746468","authorId":"3562204142746468","name":"16dad","avatar":"https://static.tigerbbs.com/d3f5812504b4b17c4e1da8d2c3088ad4","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562204142746468","authorIdStr":"3562204142746468"},"themes":[],"htmlText":"这篇文章不错，转发给大家看","listText":"这篇文章不错，转发给大家看","text":"这篇文章不错，转发给大家看","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/602793663","repostId":"602290575","repostType":1,"repost":{"id":602290575,"gmtCreate":1639000980000,"gmtModify":1639026936553,"author":{"id":"3556669788355570","authorId":"3556669788355570","name":"GuruFocus","avatar":"https://static.tigerbbs.com/39e1e28b3ff68411370a270b2aa9a76d","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3556669788355570","authorIdStr":"3556669788355570"},"themes":[],"title":"收购，让Square更强大","htmlText":"本文首发于价值大师网 GuruFocus.cn，转载请注明出处。 Square的卖家业务很有弹性，为商家提供了完整的解决方案。 其Cash App正在以非常高的速度增加更多的功能和用户。 收购Afterpay将创造强大的协同效应并进一步加强该公司的护城河。 你或许没有听说过Square，但如果你身在美国，你绝对不止一次地使用过他们的产品。 Square是推特前CEO杰克·多西（JackDorsey）于2009年创办的公司，主要经营卖家业务和数字钱包业务。 根据百度百科对Square的介绍，卖家业务是Square用户（消费者或商家）利用Square提供的移动读卡器，配合智能手机使用，可以在任何3G或WiFi网络状态下，通过应用程序匹配刷卡消费，它使得消费者、商家可以在任何地方进行付款和收款，并保存相应的消费信息，从而大大降低了刷卡消费支付的技术门槛和硬件需求。数字钱包业务则更偏向点对点支付。 该公司的区块链及加密货币业务也非常亮眼，但目前占比尚小。 通俗一点来说，Square就是美国线下的“支付宝”。 尽管亚马逊的崛起对线下经济造成了一定的冲击，但Square已经建立了一个强大的消费者和商家网络。这归功于其全栈式的商家解决方案，大大简化了中小企业从交易到税收再到发票的一切商业活动。 在我（作者Nicola Guida）看来，Square的卖家生态系统并不必然与网络效应相关。因为它基本是服务卖家的。卖家享受到了低费率和简化的解决方案，而消费者则不一定会被Square的生态系统吸引；毕竟，他们可以继续使用他们的信用卡或其他支付方式。而Square想出了吸引消费者的方案，以创造真正的网络效应。 Square的数字钱包业务Cash App最初是作为一个数字点对点支付解决方案上线的。青少年首先开始使用该应用程序AA付账，Cash App的“社交”属性让用户迅速接受了它。随着时间的推移，","listText":"本文首发于价值大师网 GuruFocus.cn，转载请注明出处。 Square的卖家业务很有弹性，为商家提供了完整的解决方案。 其Cash App正在以非常高的速度增加更多的功能和用户。 收购Afterpay将创造强大的协同效应并进一步加强该公司的护城河。 你或许没有听说过Square，但如果你身在美国，你绝对不止一次地使用过他们的产品。 Square是推特前CEO杰克·多西（JackDorsey）于2009年创办的公司，主要经营卖家业务和数字钱包业务。 根据百度百科对Square的介绍，卖家业务是Square用户（消费者或商家）利用Square提供的移动读卡器，配合智能手机使用，可以在任何3G或WiFi网络状态下，通过应用程序匹配刷卡消费，它使得消费者、商家可以在任何地方进行付款和收款，并保存相应的消费信息，从而大大降低了刷卡消费支付的技术门槛和硬件需求。数字钱包业务则更偏向点对点支付。 该公司的区块链及加密货币业务也非常亮眼，但目前占比尚小。 通俗一点来说，Square就是美国线下的“支付宝”。 尽管亚马逊的崛起对线下经济造成了一定的冲击，但Square已经建立了一个强大的消费者和商家网络。这归功于其全栈式的商家解决方案，大大简化了中小企业从交易到税收再到发票的一切商业活动。 在我（作者Nicola Guida）看来，Square的卖家生态系统并不必然与网络效应相关。因为它基本是服务卖家的。卖家享受到了低费率和简化的解决方案，而消费者则不一定会被Square的生态系统吸引；毕竟，他们可以继续使用他们的信用卡或其他支付方式。而Square想出了吸引消费者的方案，以创造真正的网络效应。 Square的数字钱包业务Cash App最初是作为一个数字点对点支付解决方案上线的。青少年首先开始使用该应用程序AA付账，Cash App的“社交”属性让用户迅速接受了它。随着时间的推移，","text":"本文首发于价值大师网 GuruFocus.cn，转载请注明出处。 Square的卖家业务很有弹性，为商家提供了完整的解决方案。 其Cash App正在以非常高的速度增加更多的功能和用户。 收购Afterpay将创造强大的协同效应并进一步加强该公司的护城河。 你或许没有听说过Square，但如果你身在美国，你绝对不止一次地使用过他们的产品。 Square是推特前CEO杰克·多西（JackDorsey）于2009年创办的公司，主要经营卖家业务和数字钱包业务。 根据百度百科对Square的介绍，卖家业务是Square用户（消费者或商家）利用Square提供的移动读卡器，配合智能手机使用，可以在任何3G或WiFi网络状态下，通过应用程序匹配刷卡消费，它使得消费者、商家可以在任何地方进行付款和收款，并保存相应的消费信息，从而大大降低了刷卡消费支付的技术门槛和硬件需求。数字钱包业务则更偏向点对点支付。 该公司的区块链及加密货币业务也非常亮眼，但目前占比尚小。 通俗一点来说，Square就是美国线下的“支付宝”。 尽管亚马逊的崛起对线下经济造成了一定的冲击，但Square已经建立了一个强大的消费者和商家网络。这归功于其全栈式的商家解决方案，大大简化了中小企业从交易到税收再到发票的一切商业活动。 在我（作者Nicola Guida）看来，Square的卖家生态系统并不必然与网络效应相关。因为它基本是服务卖家的。卖家享受到了低费率和简化的解决方案，而消费者则不一定会被Square的生态系统吸引；毕竟，他们可以继续使用他们的信用卡或其他支付方式。而Square想出了吸引消费者的方案，以创造真正的网络效应。 Square的数字钱包业务Cash App最初是作为一个数字点对点支付解决方案上线的。青少年首先开始使用该应用程序AA付账，Cash App的“社交”属性让用户迅速接受了它。随着时间的推移，","images":[{"img":"https://static.tigerbbs.com/e8f5901ce82e437ead4be5c378cc7c23","width":"-1","height":"-1"},{"img":"https://static.tigerbbs.com/fa389c4abed344ef8680350fd5a19f51","width":"-1","height":"-1"},{"img":"https://static.tigerbbs.com/78350e03173f4520ae2da0fc05256d3d","width":"-1","height":"-1"}],"top":1,"highlighted":1,"essential":2,"paper":2,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/602290575","isVote":1,"tweetType":1,"viewCount":0,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":5,"langContent":"CN","totalScore":0},"isVote":1,"tweetType":1,"viewCount":664,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":603567516,"gmtCreate":1638429748442,"gmtModify":1638429748442,"author":{"id":"3562204142746468","authorId":"3562204142746468","name":"16dad","avatar":"https://static.tigerbbs.com/d3f5812504b4b17c4e1da8d2c3088ad4","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562204142746468","authorIdStr":"3562204142746468"},"themes":[],"htmlText":"这篇文章不错，转发给大家看","listText":"这篇文章不错，转发给大家看","text":"这篇文章不错，转发给大家看","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/603567516","repostId":"2177495751","repostType":2,"repost":{"id":"2177495751","kind":"highlight","weMediaInfo":{"introduction":"Reuters.com brings you the latest news from around the world, covering breaking news in markets, business, politics, entertainment and technology","home_visible":1,"media_name":"Reuters","id":"1036604489","head_image":"https://static.tigerbbs.com/443ce19704621c837795676028cec868"},"pubTimestamp":1634886601,"share":"https://www.laohu8.com/m/news/2177495751?lang=&edition=full","pubTime":"2021-10-22 15:10","market":"us","language":"en","title":"Australia's central bank tells 'buy now, pay later' firms to drop surcharge ban","url":"https://stock-news.laohu8.com/highlight/detail?id=2177495751","media":"Reuters","summary":"SYDNEY, Oct 22 (Reuters) - Australia's central bank said buy now, pay later (BNPL) firms will no lon","content":"<p>SYDNEY, Oct 22 (Reuters) - Australia's central bank said buy now, pay later (BNPL) firms will no longer be able to prohibit merchants from passing on surcharges for their services, robbing the fast-growing sector of one of its key advantages.</p>\n<p>Following a two-year review, the Reserve Bank of Australia said on Friday it was now engaging with Treasury on \"regulatory approaches\" to enforce its decision - a move fiercely opposed by the industry.</p>\n<p>The central bank noted BNPL services tend to be quite expensive for merchants to accept and it \"has now concluded that there is a public interest case for BNPL providers to remove their no-surcharge rules.\"</p>\n<p>Australia is home to some of the world's biggest BNPL firms including Afterpay Ltd, which this year agreed to be bought by Square Inc&nbsp;for $29 billion. Afterpay's shares were slightly lower in Friday trade while shares of rivals Zip&nbsp;Co Ltd and Sezzle&nbsp;Inc fell 1.8% and 0.7% respectively.</p>\n<p>Analysts at Bernstein and UBS said the RBA's new position was likely to affect Afterpay the most, given its reliance on high merchant fees to fund its business model. UBS also said there was a \"strong risk\" that overseas regulators could impose similar restrictions on the BNPL industry.</p>\n<p>Matthew Wilson, an analyst at Evans and Partners Ltd, said the changes would be a \"minor issue\" for Afterpay because its platform was already entrenched in Australia and valued among merchants.</p>\n<p>Afterpay said such changes were not expected to have a material impact, but that any reform should be subject to \"policy processes\" of government and parliament.</p>\n<p>The RBA's move is a step in levelling the playing field with banks and credit card providers, who cannot ban merchants from passing on their fees to customers.</p>\n<p>However, the BNPL sector is still not bound by Australia's credit or responsible lending laws, primarily because it does not charge interest.</p>\n<p>A 2019 survey conducted by the RBA found about half of BNPL users would switch to an alternative payment method if faced with a hypothetical surcharge on BNPL payments.</p>\n<p>Zip Co said it recognised \"the RBA's new position on surcharging and will engage with Treasury on what this may entail\".</p>\n<p>The RBA also said it would force eight banks and debit card issuers with about A$4 billion in annual debit transactions to give merchants a multiple network option that would allow payments to be processed more cheaply.</p>\n<p>A multiple network option allows businesses to choose cheaper domestic systems instead of the prevalent but more expensive <a href=\"https://laohu8.com/S/V\">Visa&nbsp;Inc</a> and Mastercard Inc networks.</p>\n<p>Other changes include requiring offshore firms to publish interchange fees on transactions on foreign-issued cards on their websites \"which will be a low-cost way of shining a light on these relatively high fees,\" its 108-page report&nbsp;said.</p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Australia's central bank tells 'buy now, pay later' firms to drop surcharge ban</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nAustralia's central bank tells 'buy now, pay later' firms to drop surcharge ban\n</h2>\n\n<h4 class=\"meta\">\n\n\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1036604489\">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/443ce19704621c837795676028cec868);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Reuters </p>\n<p class=\"h-time\">2021-10-22 15:10</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<p>SYDNEY, Oct 22 (Reuters) - Australia's central bank said buy now, pay later (BNPL) firms will no longer be able to prohibit merchants from passing on surcharges for their services, robbing the fast-growing sector of one of its key advantages.</p>\n<p>Following a two-year review, the Reserve Bank of Australia said on Friday it was now engaging with Treasury on \"regulatory approaches\" to enforce its decision - a move fiercely opposed by the industry.</p>\n<p>The central bank noted BNPL services tend to be quite expensive for merchants to accept and it \"has now concluded that there is a public interest case for BNPL providers to remove their no-surcharge rules.\"</p>\n<p>Australia is home to some of the world's biggest BNPL firms including Afterpay Ltd, which this year agreed to be bought by Square Inc&nbsp;for $29 billion. Afterpay's shares were slightly lower in Friday trade while shares of rivals Zip&nbsp;Co Ltd and Sezzle&nbsp;Inc fell 1.8% and 0.7% respectively.</p>\n<p>Analysts at Bernstein and UBS said the RBA's new position was likely to affect Afterpay the most, given its reliance on high merchant fees to fund its business model. UBS also said there was a \"strong risk\" that overseas regulators could impose similar restrictions on the BNPL industry.</p>\n<p>Matthew Wilson, an analyst at Evans and Partners Ltd, said the changes would be a \"minor issue\" for Afterpay because its platform was already entrenched in Australia and valued among merchants.</p>\n<p>Afterpay said such changes were not expected to have a material impact, but that any reform should be subject to \"policy processes\" of government and parliament.</p>\n<p>The RBA's move is a step in levelling the playing field with banks and credit card providers, who cannot ban merchants from passing on their fees to customers.</p>\n<p>However, the BNPL sector is still not bound by Australia's credit or responsible lending laws, primarily because it does not charge interest.</p>\n<p>A 2019 survey conducted by the RBA found about half of BNPL users would switch to an alternative payment method if faced with a hypothetical surcharge on BNPL payments.</p>\n<p>Zip Co said it recognised \"the RBA's new position on surcharging and will engage with Treasury on what this may entail\".</p>\n<p>The RBA also said it would force eight banks and debit card issuers with about A$4 billion in annual debit transactions to give merchants a multiple network option that would allow payments to be processed more cheaply.</p>\n<p>A multiple network option allows businesses to choose cheaper domestic systems instead of the prevalent but more expensive <a href=\"https://laohu8.com/S/V\">Visa&nbsp;Inc</a> and Mastercard Inc networks.</p>\n<p>Other changes include requiring offshore firms to publish interchange fees on transactions on foreign-issued cards on their websites \"which will be a low-cost way of shining a light on these relatively high fees,\" its 108-page report&nbsp;said.</p>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"V":"Visa","MA":"万事达","SZL.AU":"Sezzle","APT.AU":"Afterpay Touch","SQ":"Block"},"is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2177495751","content_text":"SYDNEY, Oct 22 (Reuters) - Australia's central bank said buy now, pay later (BNPL) firms will no longer be able to prohibit merchants from passing on surcharges for their services, robbing the fast-growing sector of one of its key advantages.\nFollowing a two-year review, the Reserve Bank of Australia said on Friday it was now engaging with Treasury on \"regulatory approaches\" to enforce its decision - a move fiercely opposed by the industry.\nThe central bank noted BNPL services tend to be quite expensive for merchants to accept and it \"has now concluded that there is a public interest case for BNPL providers to remove their no-surcharge rules.\"\nAustralia is home to some of the world's biggest BNPL firms including Afterpay Ltd, which this year agreed to be bought by Square Inc for $29 billion. Afterpay's shares were slightly lower in Friday trade while shares of rivals Zip Co Ltd and Sezzle Inc fell 1.8% and 0.7% respectively.\nAnalysts at Bernstein and UBS said the RBA's new position was likely to affect Afterpay the most, given its reliance on high merchant fees to fund its business model. UBS also said there was a \"strong risk\" that overseas regulators could impose similar restrictions on the BNPL industry.\nMatthew Wilson, an analyst at Evans and Partners Ltd, said the changes would be a \"minor issue\" for Afterpay because its platform was already entrenched in Australia and valued among merchants.\nAfterpay said such changes were not expected to have a material impact, but that any reform should be subject to \"policy processes\" of government and parliament.\nThe RBA's move is a step in levelling the playing field with banks and credit card providers, who cannot ban merchants from passing on their fees to customers.\nHowever, the BNPL sector is still not bound by Australia's credit or responsible lending laws, primarily because it does not charge interest.\nA 2019 survey conducted by the RBA found about half of BNPL users would switch to an alternative payment method if faced with a hypothetical surcharge on BNPL payments.\nZip Co said it recognised \"the RBA's new position on surcharging and will engage with Treasury on what this may entail\".\nThe RBA also said it would force eight banks and debit card issuers with about A$4 billion in annual debit transactions to give merchants a multiple network option that would allow payments to be processed more cheaply.\nA multiple network option allows businesses to choose cheaper domestic systems instead of the prevalent but more expensive Visa Inc and Mastercard Inc networks.\nOther changes include requiring offshore firms to publish interchange fees on transactions on foreign-issued cards on their websites \"which will be a low-cost way of shining a light on these relatively high fees,\" its 108-page report said.","news_type":1},"isVote":1,"tweetType":1,"viewCount":851,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":875853893,"gmtCreate":1637634422604,"gmtModify":1637634422604,"author":{"id":"3562204142746468","authorId":"3562204142746468","name":"16dad","avatar":"https://static.tigerbbs.com/d3f5812504b4b17c4e1da8d2c3088ad4","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562204142746468","authorIdStr":"3562204142746468"},"themes":[],"htmlText":"这篇文章不错，转发给大家看","listText":"这篇文章不错，转发给大家看","text":"这篇文章不错，转发给大家看","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/875853893","repostId":"1158176104","repostType":2,"repost":{"id":"1158176104","kind":"news","pubTimestamp":1636677101,"share":"https://www.laohu8.com/m/news/1158176104?lang=&edition=full","pubTime":"2021-11-12 08:31","market":"us","language":"en","title":"4 Top Fintech Stocks To Watch Right Now","url":"https://stock-news.laohu8.com/highlight/detail?id=1158176104","media":"Nasdaq","summary":"Do You Have These Fintech Stocks On Your Radar Right Now?\nFintech stocks can be an intriguing segmen","content":"<p>Do You Have These Fintech Stocks On Your Radar Right Now?</p>\n<p>Fintech stocks can be an intriguing segment of thestock market. Over the past few years, the hype surrounding the industry has been overwhelming and rightly so. The global adoption of financial technology has changed the way people make transactions in their daily lives today. In light of this, it would be natural that companies that offer financial technology services would see astronomical levels of growth during the pandemic. Now that the economy is slowly reopening, the use of fintech services may also change. Hence, there may be mixed sentiments among investors within the fintech space.</p>\n<p>For instance,<b>Upstart</b>(NASDAQ: UPST) announced better-than-expected earnings for its latest quarterly report. <a href=\"https://laohu8.com/S/TSS\">Total</a> revenue was $228 million, an increase of a staggering 250% year-over-year. Meanwhile, GAAP net income was $29.1 million, up from $9.7 million in the third quarter of 2020. However, UPST stock plunged more than 15% in premarket trading. Admittedly, this may not be surprising considering the run up in the stock over the last few weeks. Well, if you’re looking for long-term gains, the current dip in the fintech space could offer some interesting opportunities right now. With that in mind, here are some of the topfintech stocksin thestock market today.</p>\n<p>Best Fintech Stocks To Watch Right Now</p>\n<ul>\n <li><b><a href=\"https://laohu8.com/S/V\">Visa</a> Inc</b>(NYSE: V)</li>\n <li><b><a href=\"https://laohu8.com/S/SQ\">Square</a> Inc</b>(NYSE: SQ)</li>\n <li><b>Affirm Holdings Inc</b>(NASDAQ: AFRM)</li>\n <li><b><a href=\"https://laohu8.com/S/PSFE\">Paysafe Ltd</a></b>(NYSE: PSFE)</li>\n</ul>\n<p>Visa</p>\n<p><a href=\"https://laohu8.com/S/FBNC\">First</a>, let us have a look at the payments technology company,<b>Visa</b>. Put simply, it provides digital payments across more than 200 countries and territories. The company connects consumers, merchants, financial institutions, businesses, and government entities to electronic payments. Most people would be aware of its Visa-branded products that include credit, debit, prepaid and cash access programs.</p>\n<p>Last Thursday, Visa’s Cybersource announced it has joined the International <a href=\"https://laohu8.com/S/ATSG\">Air Transport</a> Association (IATA) Financial Gateway. Cybersource will help airlines streamline commerce and payment efficiencies, manage fraud, maximize revenue and innovate at a faster pace. Hence, it will also eliminate the need for multiple products from different brands, saving costs and reducing operational delays.</p>\n<p>On top of that, the company also launched Visa Eco Benefits. This is a new package of sustainability-focused benefits for account issuers. So, cardholders will better understand the impact of their spending on the environment while encouraging sustainable consumption and behaviours. For now, the bundle will be available first in Europe and then rolled out globally during the next year to Visa’s clients. With all these in mind, would you add V stock to your watchlist?</p>\n<p>Square</p>\n<p>Another top fintech name would be<b>Square</b>. For those unfamiliar, the company is a commerce ecosystem that allows sellers to accept card payments. It has two reportable segments, Seller and Cash App. Its Cash App has been a hit among consumers as it allows its users to send and receive money at any time and anywhere.</p>\n<p>Recently, Square announced its third-quarter earnings. The company reported overall sales of $3.84 billion, up by 27% year-over-year. Meanwhile, gross profit which includes fees taken from its Cash App and Seller businesses was $1.13 billion, an increase of 43% from the prior year’s quarter. The slower growth of its Cash App should not come as a surprise given the faster growth during the height of the global pandemic. So, should this deter you from investing in SQ stock? Some investors may even view this as an opportunity to build up a position in the stock.</p>\n<p>In addition, Square announced two new tools in the U.K. last month to help businesses grow their sales and engage customers. The two tools are Square Marketing and Square Loyalty. On <a href=\"https://laohu8.com/S/AONE.U\">one</a> hand, Square Marketing helps businesses reach customers at the right time and all in one place. On another hand, the Square Loyalty program would help turn one-time visitors into regulars and increase repeat visits. Now, the main question would be, do you think SQ stock will have more room to grow?</p>\n<p>Affirm</p>\n<p><b>Affirm</b>provides a platform for digital and mobile commerce. By leveraging its tech-driven payment networks and partnerships with originating banks, consumers can pay for a purchase over time. Also, consumers can use its application to open a savings account, and access a personalized marketplace.</p>\n<p>Late last month, Affirm partnered with<b><a href=\"https://laohu8.com/S/AAL\">American Airlines</a></b>(NASDAQ: AAL) to allow travelers to have added flexibility to purchase flights and pay over time. According to the latest Affirm Consumer Spend Report, more than half of consumers would rather take a getaway than have a traditional family get-together this holiday season. So, if customers choose to checkout with Affirm, they will split the total cost of flights over $50 into monthly payments.</p>\n<p>As fintech adoption continues to sweep the world by storm, Affirm will be well-positioned to benefit from this megatrend. <a href=\"https://laohu8.com/S/AFG\">American</a> Airlines now joins over 29,000 Affirm merchant partners that include Walmart, <a href=\"https://laohu8.com/S/TGT\">Target</a>, Ikon Pass and many more to offer customers flexible payment options. Thus, should there be any dip in the company stock could be an interesting investment opportunity. Given that the company is announcing its first quarter earnings report after the market closes today, it may not be the worst idea to keep close tabs on AFRM stock now.</p>\n<p>Paysafe</p>\n<p>Last but not least, we have the digital payments company,<b>Paysafe</b>. In detail, the company focuses on iGaming, including online betting related to sports, esports, and other casino games. <a href=\"https://laohu8.com/S/ISBC\">Investors</a> should note that Paysafe is not directly competing with the likes of<b>Paypal</b>(NASDAQ: PYPL) and Square. Instead, it is a clear leader in online gaming transactions with several compelling partnerships.</p>\n<p>Last week, the company announced its latest milestone in its strategy to become a fully cloud-based payments provider. It will be migrating its digital wallets, Skrill and NETELLER, and all associated business services to Amazon Web Services (AWS). The move would enable Paysafe to improve its efficiency and innovations behind its consumer solutions while reducing the deployment time of its merchant integrations.</p>\n<p>Furthermore, the company announced earlier this month that its platform is live in Colorado and <a href=\"https://laohu8.com/S/NGD\">New</a> Jersey with SuperBook™ Sports. Players wagering with SuperBook Sports’ online and mobile sportsbook will be able to select from a range of traditional and alternative payment methods. All things considered, would PSFE stock be a top fintech stock to watch right now?</p>","source":"lsy1603171495471","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>4 Top Fintech Stocks To Watch Right Now</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n4 Top Fintech Stocks To Watch Right Now\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-11-12 08:31 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.nasdaq.com/articles/4-top-fintech-stocks-to-watch-right-now><strong>Nasdaq</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Do You Have These Fintech Stocks On Your Radar Right Now?\nFintech stocks can be an intriguing segment of thestock market. Over the past few years, the hype surrounding the industry has been ...</p>\n\n<a href=\"https://www.nasdaq.com/articles/4-top-fintech-stocks-to-watch-right-now\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"AFRM":"Affirm Holdings, Inc.","PSFE":"Paysafe Ltd","SQ":"Block","V":"Visa"},"source_url":"https://www.nasdaq.com/articles/4-top-fintech-stocks-to-watch-right-now","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1158176104","content_text":"Do You Have These Fintech Stocks On Your Radar Right Now?\nFintech stocks can be an intriguing segment of thestock market. Over the past few years, the hype surrounding the industry has been overwhelming and rightly so. The global adoption of financial technology has changed the way people make transactions in their daily lives today. In light of this, it would be natural that companies that offer financial technology services would see astronomical levels of growth during the pandemic. Now that the economy is slowly reopening, the use of fintech services may also change. Hence, there may be mixed sentiments among investors within the fintech space.\nFor instance,Upstart(NASDAQ: UPST) announced better-than-expected earnings for its latest quarterly report. Total revenue was $228 million, an increase of a staggering 250% year-over-year. Meanwhile, GAAP net income was $29.1 million, up from $9.7 million in the third quarter of 2020. However, UPST stock plunged more than 15% in premarket trading. Admittedly, this may not be surprising considering the run up in the stock over the last few weeks. Well, if you’re looking for long-term gains, the current dip in the fintech space could offer some interesting opportunities right now. With that in mind, here are some of the topfintech stocksin thestock market today.\nBest Fintech Stocks To Watch Right Now\n\nVisa Inc(NYSE: V)\nSquare Inc(NYSE: SQ)\nAffirm Holdings Inc(NASDAQ: AFRM)\nPaysafe Ltd(NYSE: PSFE)\n\nVisa\nFirst, let us have a look at the payments technology company,Visa. Put simply, it provides digital payments across more than 200 countries and territories. The company connects consumers, merchants, financial institutions, businesses, and government entities to electronic payments. Most people would be aware of its Visa-branded products that include credit, debit, prepaid and cash access programs.\nLast Thursday, Visa’s Cybersource announced it has joined the International Air Transport Association (IATA) Financial Gateway. Cybersource will help airlines streamline commerce and payment efficiencies, manage fraud, maximize revenue and innovate at a faster pace. Hence, it will also eliminate the need for multiple products from different brands, saving costs and reducing operational delays.\nOn top of that, the company also launched Visa Eco Benefits. This is a new package of sustainability-focused benefits for account issuers. So, cardholders will better understand the impact of their spending on the environment while encouraging sustainable consumption and behaviours. For now, the bundle will be available first in Europe and then rolled out globally during the next year to Visa’s clients. With all these in mind, would you add V stock to your watchlist?\nSquare\nAnother top fintech name would beSquare. For those unfamiliar, the company is a commerce ecosystem that allows sellers to accept card payments. It has two reportable segments, Seller and Cash App. Its Cash App has been a hit among consumers as it allows its users to send and receive money at any time and anywhere.\nRecently, Square announced its third-quarter earnings. The company reported overall sales of $3.84 billion, up by 27% year-over-year. Meanwhile, gross profit which includes fees taken from its Cash App and Seller businesses was $1.13 billion, an increase of 43% from the prior year’s quarter. The slower growth of its Cash App should not come as a surprise given the faster growth during the height of the global pandemic. So, should this deter you from investing in SQ stock? Some investors may even view this as an opportunity to build up a position in the stock.\nIn addition, Square announced two new tools in the U.K. last month to help businesses grow their sales and engage customers. The two tools are Square Marketing and Square Loyalty. On one hand, Square Marketing helps businesses reach customers at the right time and all in one place. On another hand, the Square Loyalty program would help turn one-time visitors into regulars and increase repeat visits. Now, the main question would be, do you think SQ stock will have more room to grow?\nAffirm\nAffirmprovides a platform for digital and mobile commerce. By leveraging its tech-driven payment networks and partnerships with originating banks, consumers can pay for a purchase over time. Also, consumers can use its application to open a savings account, and access a personalized marketplace.\nLate last month, Affirm partnered withAmerican Airlines(NASDAQ: AAL) to allow travelers to have added flexibility to purchase flights and pay over time. According to the latest Affirm Consumer Spend Report, more than half of consumers would rather take a getaway than have a traditional family get-together this holiday season. So, if customers choose to checkout with Affirm, they will split the total cost of flights over $50 into monthly payments.\nAs fintech adoption continues to sweep the world by storm, Affirm will be well-positioned to benefit from this megatrend. American Airlines now joins over 29,000 Affirm merchant partners that include Walmart, Target, Ikon Pass and many more to offer customers flexible payment options. Thus, should there be any dip in the company stock could be an interesting investment opportunity. Given that the company is announcing its first quarter earnings report after the market closes today, it may not be the worst idea to keep close tabs on AFRM stock now.\nPaysafe\nLast but not least, we have the digital payments company,Paysafe. In detail, the company focuses on iGaming, including online betting related to sports, esports, and other casino games. Investors should note that Paysafe is not directly competing with the likes ofPaypal(NASDAQ: PYPL) and Square. Instead, it is a clear leader in online gaming transactions with several compelling partnerships.\nLast week, the company announced its latest milestone in its strategy to become a fully cloud-based payments provider. It will be migrating its digital wallets, Skrill and NETELLER, and all associated business services to Amazon Web Services (AWS). The move would enable Paysafe to improve its efficiency and innovations behind its consumer solutions while reducing the deployment time of its merchant integrations.\nFurthermore, the company announced earlier this month that its platform is live in Colorado and New Jersey with SuperBook™ Sports. Players wagering with SuperBook Sports’ online and mobile sportsbook will be able to select from a range of traditional and alternative payment methods. All things considered, would PSFE stock be a top fintech stock to watch right now?","news_type":1},"isVote":1,"tweetType":1,"viewCount":994,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":871080966,"gmtCreate":1636994811155,"gmtModify":1636994811155,"author":{"id":"3562204142746468","authorId":"3562204142746468","name":"16dad","avatar":"https://static.tigerbbs.com/d3f5812504b4b17c4e1da8d2c3088ad4","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562204142746468","authorIdStr":"3562204142746468"},"themes":[],"htmlText":"这篇文章不错，转发给大家看","listText":"这篇文章不错，转发给大家看","text":"这篇文章不错，转发给大家看","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/871080966","repostId":"1148130532","repostType":2,"isVote":1,"tweetType":1,"viewCount":957,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":845166353,"gmtCreate":1636306736175,"gmtModify":1636306736175,"author":{"id":"3562204142746468","authorId":"3562204142746468","name":"16dad","avatar":"https://static.tigerbbs.com/d3f5812504b4b17c4e1da8d2c3088ad4","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562204142746468","authorIdStr":"3562204142746468"},"themes":[],"htmlText":"这篇文章不错，转发给大家看","listText":"这篇文章不错，转发给大家看","text":"这篇文章不错，转发给大家看","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/845166353","repostId":"842409529","repostType":1,"repost":{"id":842409529,"gmtCreate":1636210500158,"gmtModify":1636250265369,"author":{"id":"3516684144781058","authorId":"3516684144781058","name":"FlowingCash","avatar":"https://static.tigerbbs.com/67bf943fe99e7187f6072ef83d10041a","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3516684144781058","authorIdStr":"3516684144781058"},"themes":[],"title":"Square：连接两个世界的桥梁","htmlText":"会问怎样的问题，就会想多深的事情。在中国早已经普及移动电子支付的今天，欧美国家可能继续用纸币或硬币吗？如果他们也开始普及移动电子支付，会是以怎样的形式实现？<a target=\"_blank\" href=\"https://laohu8.com/S/SQ\">$Square, Inc(SQ)$</a>&nbsp;披露2021年三季报了，拿着最新的财务数据说一下对Square的投资逻辑。｜业务与愿景Square有两大生态，分别是Seller生态和Cash&nbsp;App生态。Seller生态服务B端，从微小型商家切入，满足微小型商家需求后开始向上打通小商家、中型商家，未来很可能把大型商家也打通。目前更关注中型商家的占比，中型商家可以产生更多交易，加大Square的GPV，三季度中型商家的占比超过微小型商家。这个发展方向是符合逻辑的，因为Square一开始服务的微小型商家，会有一批成为小商家，然后又有一批成为中型商家，最后还可能有一些成为大型商家甚至巨无霸。按照这个路径发展，Square就可以覆盖一家企业从小做到大的全生命周期。Seller为商家提供POS支付系统、云后台，老板可以用来管理库存、发工资等。还有一个SquareOnline，商家可以在上面设计自己的网店，而且是免费的，你可以理解成是一个免费的shopify。Cash&nbsp;App为用户提供端对端的支付服务，因为支付不需要通过中介机构，所以更快也更便宜。用户还能把钱存进去，买卖股票和比特币。Square的创始人Jack&nbsp;Doresy有一个愿景，让更多没办法使用传统银行金融服务的人，可以在Square享受到金融服务。所以Square不仅给商家提供POS支付系统、为用户提供端到端支付工具，还会提供贷款。在2020年报就专门提了Square设立了PPP贷款项目，帮助商家度过疫情带来的难关。这是针对B端提供的贷款","listText":"会问怎样的问题，就会想多深的事情。在中国早已经普及移动电子支付的今天，欧美国家可能继续用纸币或硬币吗？如果他们也开始普及移动电子支付，会是以怎样的形式实现？<a target=\"_blank\" href=\"https://laohu8.com/S/SQ\">$Square, Inc(SQ)$</a>&nbsp;披露2021年三季报了，拿着最新的财务数据说一下对Square的投资逻辑。｜业务与愿景Square有两大生态，分别是Seller生态和Cash&nbsp;App生态。Seller生态服务B端，从微小型商家切入，满足微小型商家需求后开始向上打通小商家、中型商家，未来很可能把大型商家也打通。目前更关注中型商家的占比，中型商家可以产生更多交易，加大Square的GPV，三季度中型商家的占比超过微小型商家。这个发展方向是符合逻辑的，因为Square一开始服务的微小型商家，会有一批成为小商家，然后又有一批成为中型商家，最后还可能有一些成为大型商家甚至巨无霸。按照这个路径发展，Square就可以覆盖一家企业从小做到大的全生命周期。Seller为商家提供POS支付系统、云后台，老板可以用来管理库存、发工资等。还有一个SquareOnline，商家可以在上面设计自己的网店，而且是免费的，你可以理解成是一个免费的shopify。Cash&nbsp;App为用户提供端对端的支付服务，因为支付不需要通过中介机构，所以更快也更便宜。用户还能把钱存进去，买卖股票和比特币。Square的创始人Jack&nbsp;Doresy有一个愿景，让更多没办法使用传统银行金融服务的人，可以在Square享受到金融服务。所以Square不仅给商家提供POS支付系统、为用户提供端到端支付工具，还会提供贷款。在2020年报就专门提了Square设立了PPP贷款项目，帮助商家度过疫情带来的难关。这是针对B端提供的贷款","text":"会问怎样的问题，就会想多深的事情。在中国早已经普及移动电子支付的今天，欧美国家可能继续用纸币或硬币吗？如果他们也开始普及移动电子支付，会是以怎样的形式实现？$Square, Inc(SQ)$ 披露2021年三季报了，拿着最新的财务数据说一下对Square的投资逻辑。｜业务与愿景Square有两大生态，分别是Seller生态和Cash App生态。Seller生态服务B端，从微小型商家切入，满足微小型商家需求后开始向上打通小商家、中型商家，未来很可能把大型商家也打通。目前更关注中型商家的占比，中型商家可以产生更多交易，加大Square的GPV，三季度中型商家的占比超过微小型商家。这个发展方向是符合逻辑的，因为Square一开始服务的微小型商家，会有一批成为小商家，然后又有一批成为中型商家，最后还可能有一些成为大型商家甚至巨无霸。按照这个路径发展，Square就可以覆盖一家企业从小做到大的全生命周期。Seller为商家提供POS支付系统、云后台，老板可以用来管理库存、发工资等。还有一个SquareOnline，商家可以在上面设计自己的网店，而且是免费的，你可以理解成是一个免费的shopify。Cash App为用户提供端对端的支付服务，因为支付不需要通过中介机构，所以更快也更便宜。用户还能把钱存进去，买卖股票和比特币。Square的创始人Jack Doresy有一个愿景，让更多没办法使用传统银行金融服务的人，可以在Square享受到金融服务。所以Square不仅给商家提供POS支付系统、为用户提供端到端支付工具，还会提供贷款。在2020年报就专门提了Square设立了PPP贷款项目，帮助商家度过疫情带来的难关。这是针对B端提供的贷款","images":[{"img":"https://static.tigerbbs.com/32fc633382d201989ecc83d624cf282f","width":"688","height":"413"},{"img":"https://static.tigerbbs.com/88a3f6637b137dbfb5f28921fd5483db","width":"688","height":"326"},{"img":"https://static.tigerbbs.com/18d57e298252e0c77785f370955de46b","width":"688","height":"674"}],"top":1,"highlighted":2,"essential":2,"paper":2,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/842409529","isVote":1,"tweetType":1,"viewCount":0,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":8,"langContent":"CN","totalScore":0},"isVote":1,"tweetType":1,"viewCount":480,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":852205355,"gmtCreate":1635267535175,"gmtModify":1635267535175,"author":{"id":"3562204142746468","authorId":"3562204142746468","name":"16dad","avatar":"https://static.tigerbbs.com/d3f5812504b4b17c4e1da8d2c3088ad4","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562204142746468","authorIdStr":"3562204142746468"},"themes":[],"htmlText":"这篇文章不错，转发给大家看","listText":"这篇文章不错，转发给大家看","text":"这篇文章不错，转发给大家看","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/852205355","repostId":"2178427541","repostType":2,"repost":{"id":"2178427541","kind":"news","pubTimestamp":1635166452,"share":"https://www.laohu8.com/m/news/2178427541?lang=&edition=full","pubTime":"2021-10-25 20:54","market":"us","language":"en","title":"The Zacks Analyst Blog Highlights: Tesla, Johnson & Johnson, PayPal, Verizon, Square and GlaxoSmithKline","url":"https://stock-news.laohu8.com/highlight/detail?id=2178427541","media":"Zacks","summary":"For Immediate Release\nChicago, IL – October 25, 2021 – Zacks.com announces the list of stocks featur","content":"<html><body><h3>For Immediate Release</h3>\n<p>Chicago, IL – October 25, 2021 – Zacks.com announces the list of stocks featured in the Analyst Blog. Every day the Zacks Equity Research analysts discuss the latest news and events impacting stocks and the financial markets. Stocks recently featured in the blog include: Tesla, Inc. TSLA, Johnson &amp; Johnson JNJ, <a href=\"https://laohu8.com/S/PYPL\">PayPal</a> Holdings, Inc. PYPL, Verizon Communications Inc. VZ, <a href=\"https://laohu8.com/S/SQ\">Square, Inc</a>. SQ and GlaxoSmithKline plc GSK.</p>\n<h3>Here are highlights from Friday’s Analyst Blog:</h3>\n<h3><em>Top Analyst Reports for Tesla, Johnson &amp; Johnson and PayPal</em></h3>\n<p>The Zacks Research Daily presents the best research output of our analyst team. Today's Research Daily features new research reports on 16 major stocks, including Tesla, Johnson &amp; Johnson, and PayPal. These research reports have been hand-picked from the roughly 70 reports published by our analyst team today.</p>\n<p>You can see <u><strong>all of today’s research reports here &gt;&gt;&gt;</strong></u></p>\n<p>Shares of <strong>Tesla </strong>have outperformed the Zacks Domestic Automotive industry in the year to date period (+28.5% vs. +10.1%). The Zacks analyst believes that a robust demand for Models 3 and Y has been buoying Tesla's revenues. The electric vehicle (EV) giant’s gross auto margins hit a record high in third-quarter 2021.</p>\n<p>Tesla achieved record Q3 production and deliveries despite chip crunch. The company has also started making progress at ramping up volumes of Models S and X. Tesla’s energy generation and storage revenues as well as a low debt to capitalization ratio not only increase its financial flexibility but also boost its earnings prospects.</p>\n<p>(You can <u><strong>read the full research report on Tesla here &gt;&gt;&gt;</strong></u>)</p>\n<p><strong>Johnson &amp; Johnson </strong>shares have gained +0.2% over the past six months against the Zacks Large Cap Pharmaceuticals industry’s gain of +9.4%. Generic competition and pricing pressure continue to weigh on its margins. Though it has taken steps to resolve the talc and opioid litigations, they continue to remain a major concern for the company.</p>\n<p>The Zacks analyst, however, believes that label expansion of drugs such as Imbruvica, Darzalex and Stelara have been boosting the company’s margins. The company is also making rapid progress with its pipeline and line extensions, with several pivotal data readouts and regulatory milestones expected in the near term.</p>\n<p>(You can <u><strong>read the full research report on Johnson &amp; Johnson here &gt;&gt;&gt;</strong></u>)</p>\n<p>Shares of <strong>PayPal </strong>have gained +19.2% over the past year against the Zacks Internet Software industry’s gain of +11.3%, though the stock has lost ground lately on the Pinterest news. The Zacks analyst believes that the company has been benefiting from steady growth in total payments volume on the back of increasing net new active accounts.</p>\n<p>Venmo’s improving monetization efforts and rising adoption rate across various platforms are aiding the total active accounts growth. Accelerating transaction revenues of PayPal are likely to continue driving revenues further. Intensifying competition in the digital payment market, foreign exchange fluctuations and interest rate related risks remain major concerns though.</p>\n<p>(You can <u><strong>read the full research report on PayPal here &gt;&gt;&gt;</strong></u>)</p>\n<p>Other noteworthy reports we are featuring today include Verizon, Square and GlaxoSmithKline.</p>\n<p>Media Contact</p>\n<p>Zacks Investment Research</p>\n<p>800-767-3771 ext. 9339</p>\n<p>support@zacks.com                                      </p>\n<p>https://www.zacks.com                                          </p>\n<p>Past performance is no guarantee of future results. Inherent in any investment is the potential for loss<strong>. </strong>This material is being provided for informational purposes only and nothing herein constitutes investment, legal, accounting or tax advice, or a recommendation to buy, sell or hold a security. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. It should not be assumed that any investments in securities, companies, sectors or markets identified and described were or will be profitable. All information is current as of the date of herein and is subject to change without notice. Any views or opinions expressed may not reflect those of the firm as a whole. Zacks Investment Research does not engage in investment banking, market making or asset management activities of any securities. These returns are from hypothetical portfolios consisting of stocks with Zacks Rank = 1 that were rebalanced monthly with zero transaction costs. These are not the returns of actual portfolios of stocks. The S&amp;P 500 is an unmanaged index. Visit https://www.zacks.com/performance for information about the performance numbers displayed in this press release.</p>\n<br/>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. \nClick to get this free report\n<br/> \n<br/>\nGlaxoSmithKline plc (GSK) : Free Stock Analysis Report\n<br/> \n<br/>\nJohnson &amp; Johnson (JNJ) : Free Stock Analysis Report\n<br/> \n<br/>\nVerizon Communications Inc. (VZ) : Free Stock Analysis Report\n<br/> \n<br/>\nTesla, Inc. (TSLA) : Free Stock Analysis Report\n<br/> \n<br/>\nPayPal Holdings, Inc. (PYPL) : Free Stock Analysis Report\n<br/> \n<br/>\nSquare, Inc. (SQ) : Free Stock Analysis Report\n<br/> \n<br/>\nTo read this article on Zacks.com click here.</body></html>","source":"yahoofinance","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>The Zacks Analyst Blog Highlights: Tesla, Johnson & Johnson, PayPal, Verizon, Square and GlaxoSmithKline</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nThe Zacks Analyst Blog Highlights: Tesla, Johnson & Johnson, PayPal, Verizon, Square and GlaxoSmithKline\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-10-25 20:54 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://finance.yahoo.com/news/zacks-analyst-blog-highlights-tesla-125412400.html><strong>Zacks</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>For Immediate Release\nChicago, IL – October 25, 2021 – Zacks.com announces the list of stocks featured in the Analyst Blog. Every day the Zacks Equity Research analysts discuss the latest news and ...</p>\n\n<a href=\"https://finance.yahoo.com/news/zacks-analyst-blog-highlights-tesla-125412400.html\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://s.yimg.com/uu/api/res/1.2/VqYp04fpdOcrnPUgsbvJuw--~B/aD00MDA7dz02MzU7YXBwaWQ9eXRhY2h5b24-/https://s.yimg.com/uu/api/res/1.2/Vb_ESNbdly8mIc.GWDnLog--~B/aD00MDA7dz02MzU7YXBwaWQ9eXRhY2h5b24-/https://media.zenfs.com/en/zacks.com/656882dc0d93cc66013f97f00aa885cc","relate_stocks":{"PYPL":"PayPal","VZ":"威瑞森","JNJ":"强生","TSLA":"特斯拉","GSK":"葛兰素史克","SQ":"Block"},"source_url":"https://finance.yahoo.com/news/zacks-analyst-blog-highlights-tesla-125412400.html","is_english":true,"share_image_url":"https://static.laohu8.com/5f26f4a48f9cb3e29be4d71d3ba8c038","article_id":"2178427541","content_text":"For Immediate Release\nChicago, IL – October 25, 2021 – Zacks.com announces the list of stocks featured in the Analyst Blog. Every day the Zacks Equity Research analysts discuss the latest news and events impacting stocks and the financial markets. Stocks recently featured in the blog include: Tesla, Inc. TSLA, Johnson & Johnson JNJ, PayPal Holdings, Inc. PYPL, Verizon Communications Inc. VZ, Square, Inc. SQ and GlaxoSmithKline plc GSK.\nHere are highlights from Friday’s Analyst Blog:\nTop Analyst Reports for Tesla, Johnson & Johnson and PayPal\nThe Zacks Research Daily presents the best research output of our analyst team. Today's Research Daily features new research reports on 16 major stocks, including Tesla, Johnson & Johnson, and PayPal. These research reports have been hand-picked from the roughly 70 reports published by our analyst team today.\nYou can see all of today’s research reports here >>>\nShares of Tesla have outperformed the Zacks Domestic Automotive industry in the year to date period (+28.5% vs. +10.1%). The Zacks analyst believes that a robust demand for Models 3 and Y has been buoying Tesla's revenues. The electric vehicle (EV) giant’s gross auto margins hit a record high in third-quarter 2021.\nTesla achieved record Q3 production and deliveries despite chip crunch. The company has also started making progress at ramping up volumes of Models S and X. Tesla’s energy generation and storage revenues as well as a low debt to capitalization ratio not only increase its financial flexibility but also boost its earnings prospects.\n(You can read the full research report on Tesla here >>>)\nJohnson & Johnson shares have gained +0.2% over the past six months against the Zacks Large Cap Pharmaceuticals industry’s gain of +9.4%. Generic competition and pricing pressure continue to weigh on its margins. Though it has taken steps to resolve the talc and opioid litigations, they continue to remain a major concern for the company.\nThe Zacks analyst, however, believes that label expansion of drugs such as Imbruvica, Darzalex and Stelara have been boosting the company’s margins. The company is also making rapid progress with its pipeline and line extensions, with several pivotal data readouts and regulatory milestones expected in the near term.\n(You can read the full research report on Johnson & Johnson here >>>)\nShares of PayPal have gained +19.2% over the past year against the Zacks Internet Software industry’s gain of +11.3%, though the stock has lost ground lately on the Pinterest news. The Zacks analyst believes that the company has been benefiting from steady growth in total payments volume on the back of increasing net new active accounts.\nVenmo’s improving monetization efforts and rising adoption rate across various platforms are aiding the total active accounts growth. Accelerating transaction revenues of PayPal are likely to continue driving revenues further. Intensifying competition in the digital payment market, foreign exchange fluctuations and interest rate related risks remain major concerns though.\n(You can read the full research report on PayPal here >>>)\nOther noteworthy reports we are featuring today include Verizon, Square and GlaxoSmithKline.\nMedia Contact\nZacks Investment Research\n800-767-3771 ext. 9339\nsupport@zacks.com                                      \nhttps://www.zacks.com                                          \nPast performance is no guarantee of future results. Inherent in any investment is the potential for loss. This material is being provided for informational purposes only and nothing herein constitutes investment, legal, accounting or tax advice, or a recommendation to buy, sell or hold a security. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. It should not be assumed that any investments in securities, companies, sectors or markets identified and described were or will be profitable. All information is current as of the date of herein and is subject to change without notice. Any views or opinions expressed may not reflect those of the firm as a whole. Zacks Investment Research does not engage in investment banking, market making or asset management activities of any securities. These returns are from hypothetical portfolios consisting of stocks with Zacks Rank = 1 that were rebalanced monthly with zero transaction costs. These are not the returns of actual portfolios of stocks. The S&P 500 is an unmanaged index. Visit https://www.zacks.com/performance for information about the performance numbers displayed in this press release.\nWant the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. \nClick to get this free report\n \n\nGlaxoSmithKline plc (GSK) : Free Stock Analysis Report\n \n\nJohnson & Johnson (JNJ) : Free Stock Analysis Report\n \n\nVerizon Communications Inc. (VZ) : Free Stock Analysis Report\n \n\nTesla, Inc. (TSLA) : Free Stock Analysis Report\n \n\nPayPal Holdings, Inc. (PYPL) : Free Stock Analysis Report\n \n\nSquare, Inc. (SQ) : Free Stock Analysis Report\n \n\nTo read this article on Zacks.com click here.","news_type":1},"isVote":1,"tweetType":1,"viewCount":674,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":869880558,"gmtCreate":1632272197574,"gmtModify":1632272197574,"author":{"id":"3562204142746468","authorId":"3562204142746468","name":"16dad","avatar":"https://static.tigerbbs.com/d3f5812504b4b17c4e1da8d2c3088ad4","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562204142746468","authorIdStr":"3562204142746468"},"themes":[],"htmlText":"这篇文章不错，转发给大家看","listText":"这篇文章不错，转发给大家看","text":"这篇文章不错，转发给大家看","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/869880558","repostId":"2169646630","repostType":2,"repost":{"id":"2169646630","kind":"news","pubTimestamp":1632270966,"share":"https://www.laohu8.com/m/news/2169646630?lang=&edition=full","pubTime":"2021-09-22 08:36","market":"sh","language":"zh","title":"瑞幸咖啡“一键三连”公告说了什么","url":"https://stock-news.laohu8.com/highlight/detail?id=2169646630","media":"北京商报","summary":"北京商报讯（记者 赵述评 张天元）9月21日晚间，瑞幸咖啡连发三条公告，宣布瑞幸咖啡在重组计划和资本市场披露方面的多项进展，其中包括瑞幸咖啡与美国集体诉讼的原告代表签署了1.875亿美元 ...","content":"<div>\n<p>北京商报讯（记者 赵述评 张天元）9月21日晚间，瑞幸咖啡连发三条公告，宣布瑞幸咖啡在重组计划和资本市场披露方面的多项进展，其中包括瑞幸咖啡与美国集体诉讼的原告代表签署了1.875亿美元的和解意向书，瑞幸咖啡已向开曼法院正式提交了对可转债债权人的债务重组方案。同时，瑞幸咖啡披露了2020年财报。　　公告显示，与美国集体诉讼的原告代表签署了1.875亿美元的和解意向书，瑞幸咖啡董事长兼首席执行官...</p>\n\n<a href=\"http://stock.10jqka.com.cn/usstock/20210922/c632865143.shtml\">Web Link</a>\n\n</div>\n","source":"tonghuashun","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>瑞幸咖啡“一键三连”公告说了什么</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n瑞幸咖啡“一键三连”公告说了什么\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-09-22 08:36 北京时间&nbsp;&nbsp;&nbsp;<a href=http://stock.10jqka.com.cn/usstock/20210922/c632865143.shtml><strong>北京商报</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>北京商报讯（记者 赵述评 张天元）9月21日晚间，瑞幸咖啡连发三条公告，宣布瑞幸咖啡在重组计划和资本市场披露方面的多项进展，其中包括瑞幸咖啡与美国集体诉讼的原告代表签署了1.875亿美元的和解意向书，瑞幸咖啡已向开曼法院正式提交了对可转债债权人的债务重组方案。同时，瑞幸咖啡披露了2020年财报。　　公告显示，与美国集体诉讼的原告代表签署了1.875亿美元的和解意向书，瑞幸咖啡董事长兼首席执行官...</p>\n\n<a href=\"http://stock.10jqka.com.cn/usstock/20210922/c632865143.shtml\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/93bc554492a6ac75a506826b968cfb2f","relate_stocks":{"LKNCY":"瑞幸咖啡"},"source_url":"http://stock.10jqka.com.cn/usstock/20210922/c632865143.shtml","is_english":false,"share_image_url":"https://static.laohu8.com/f0343184bd9b9c963ed02b302442e2b8","article_id":"2169646630","content_text":"北京商报讯（记者 赵述评 张天元）9月21日晚间，瑞幸咖啡连发三条公告，宣布瑞幸咖啡在重组计划和资本市场披露方面的多项进展，其中包括瑞幸咖啡与美国集体诉讼的原告代表签署了1.875亿美元的和解意向书，瑞幸咖啡已向开曼法院正式提交了对可转债债权人的债务重组方案。同时，瑞幸咖啡披露了2020年财报。　　公告显示，与美国集体诉讼的原告代表签署了1.875亿美元的和解意向书，瑞幸咖啡董事长兼首席执行官郭金义称，\"经最终批准，此解决方案将解决重大的或有负债，并使瑞幸咖啡能够更加专注于我们的运营和战略计划的执行。我们正在努力达成正式的和解协议，并获得必要的法院批准。”　　与此同时，瑞幸咖啡已向开曼法院正式提交了对可转债债权人的债务重组方案，开曼法院将确认听讯日期，届时将审议是否应在适当时候下达召集令。瑞幸咖啡表示，一旦得到开曼法院的确认，瑞幸咖啡将通知计划债权人关于召开听证会的时间和日期。　　此外，瑞幸咖啡在补发的2020年财报中显示，瑞幸咖啡2020年净收入为人民币40.334亿元（6.181亿美元），较2019年增长33.3%。对于这一变化，公司表示这主要得益于瑞幸咖啡产品平均销售价格上升的推动。瑞幸咖啡经营费用为66.207亿元人民币（10.147亿美元），符合公司业务扩张计划，包括4.753亿元人民币（合7280万美元）的亏损，和与先前宣布的调查和重组相关的支出。营业费用占净收入的比例从2019年的206.2%下降到2020年的164.1%，这一变化是由于受规模经济的增长推动。　　据了解，截至2020年12月31日，瑞幸咖啡在全国56个城市布局了3929家自营店与874家合伙店。\n关注同花顺财经（ths518），获取更多机会\n\n责任编辑：cjh","news_type":1},"isVote":1,"tweetType":1,"viewCount":588,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":815364400,"gmtCreate":1630646018000,"gmtModify":1630646018000,"author":{"id":"3562204142746468","authorId":"3562204142746468","name":"16dad","avatar":"https://static.tigerbbs.com/d3f5812504b4b17c4e1da8d2c3088ad4","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562204142746468","authorIdStr":"3562204142746468"},"themes":[],"htmlText":"这篇文章不错，转发给大家看","listText":"这篇文章不错，转发给大家看","text":"这篇文章不错，转发给大家看","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/815364400","repostId":"2164612894","repostType":2,"isVote":1,"tweetType":1,"viewCount":920,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":895161979,"gmtCreate":1628729061091,"gmtModify":1628729061091,"author":{"id":"3562204142746468","authorId":"3562204142746468","name":"16dad","avatar":"https://static.tigerbbs.com/d3f5812504b4b17c4e1da8d2c3088ad4","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562204142746468","authorIdStr":"3562204142746468"},"themes":[],"htmlText":"这篇文章不错，转发给大家看","listText":"这篇文章不错，转发给大家看","text":"这篇文章不错，转发给大家看","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/895161979","repostId":"895093888","repostType":1,"repost":{"id":895093888,"gmtCreate":1628687400000,"gmtModify":1628729944362,"author":{"id":"3538087091501291","authorId":"3538087091501291","name":"小镇做T家","avatar":"https://static.tigerbbs.com/7ef0ee32208f951b13f627ec6aa4ea3c","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3538087091501291","authorIdStr":"3538087091501291"},"themes":[],"title":"辉瑞疫苗的背后：揭秘欧洲最大生物技术独角兽BioNTech","htmlText":"最近疫苗概念股又掀起了一波热潮，很多公司股价纷纷创下历史新高，其中最有代表性的就是<a target=\"_blank\" href=\"https://laohu8.com/S/BNTX\">$BioNTech SE(BNTX)$</a>。今年以来，这家德国疫苗研发公司的股价已上涨接近5倍！错过这班快车的我非常懊悔，因为去年11月我曾在自己的政经号上写过这家公司，只不过当时还没有开美股账户... 现在重新审视一下这家公司，或许我们能从中找到其股价翻5倍的奥秘所在。除了疫情大背景，公司自身的优秀与努力也是非常关键的。希望这篇文章能带给你一些思考，找到下一个5倍股。 ----------------- 北京时间11月9日晚间，知名海外媒体CNBC报道，美国制药公司辉瑞和德国生物技术公司BioNTech针对新冠病毒在大规模试验的首批中期结果表明，该候选疫苗的有效率为90％。该公司表示，该疫苗目前还没有发现严重的副作用。疫苗效果远远超出了大多数专家的预期。&nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp; &nbsp; &nbsp; &nbsp; 消息一出，欧美股市大涨，研发疫苗的BioNTech和辉瑞（Pfizer）股价分别上涨了13.91%和7.69%，而此前受疫情拖累的一些板块的涨幅超过了15%甚至20%。 &nbsp; &nbsp; &nbsp; &nbsp;&nbsp; &nbsp; &nbsp; 90%的有效率是什么概念呢？美国药监局（FDA）设立的批准门槛是有效性大于50%，一般流感疫苗有效性达到70%就可以烧高香了，在一些疫苗的研发中，因为疫苗和流行毒株错配了导致疫苗有效性只有10%。 &nbsp; &nbsp; &nbsp; &nbsp;&nbsp; &nbsp; &nbsp; 根据披露的数据来看，BioNTech的新冠疫苗临床三期接","listText":"最近疫苗概念股又掀起了一波热潮，很多公司股价纷纷创下历史新高，其中最有代表性的就是<a target=\"_blank\" href=\"https://laohu8.com/S/BNTX\">$BioNTech SE(BNTX)$</a>。今年以来，这家德国疫苗研发公司的股价已上涨接近5倍！错过这班快车的我非常懊悔，因为去年11月我曾在自己的政经号上写过这家公司，只不过当时还没有开美股账户... 现在重新审视一下这家公司，或许我们能从中找到其股价翻5倍的奥秘所在。除了疫情大背景，公司自身的优秀与努力也是非常关键的。希望这篇文章能带给你一些思考，找到下一个5倍股。 ----------------- 北京时间11月9日晚间，知名海外媒体CNBC报道，美国制药公司辉瑞和德国生物技术公司BioNTech针对新冠病毒在大规模试验的首批中期结果表明，该候选疫苗的有效率为90％。该公司表示，该疫苗目前还没有发现严重的副作用。疫苗效果远远超出了大多数专家的预期。&nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp; &nbsp; &nbsp; &nbsp; 消息一出，欧美股市大涨，研发疫苗的BioNTech和辉瑞（Pfizer）股价分别上涨了13.91%和7.69%，而此前受疫情拖累的一些板块的涨幅超过了15%甚至20%。 &nbsp; &nbsp; &nbsp; &nbsp;&nbsp; &nbsp; &nbsp; 90%的有效率是什么概念呢？美国药监局（FDA）设立的批准门槛是有效性大于50%，一般流感疫苗有效性达到70%就可以烧高香了，在一些疫苗的研发中，因为疫苗和流行毒株错配了导致疫苗有效性只有10%。 &nbsp; &nbsp; &nbsp; &nbsp;&nbsp; &nbsp; &nbsp; 根据披露的数据来看，BioNTech的新冠疫苗临床三期接","text":"最近疫苗概念股又掀起了一波热潮，很多公司股价纷纷创下历史新高，其中最有代表性的就是$BioNTech SE(BNTX)$。今年以来，这家德国疫苗研发公司的股价已上涨接近5倍！错过这班快车的我非常懊悔，因为去年11月我曾在自己的政经号上写过这家公司，只不过当时还没有开美股账户... 现在重新审视一下这家公司，或许我们能从中找到其股价翻5倍的奥秘所在。除了疫情大背景，公司自身的优秀与努力也是非常关键的。希望这篇文章能带给你一些思考，找到下一个5倍股。 ----------------- 北京时间11月9日晚间，知名海外媒体CNBC报道，美国制药公司辉瑞和德国生物技术公司BioNTech针对新冠病毒在大规模试验的首批中期结果表明，该候选疫苗的有效率为90％。该公司表示，该疫苗目前还没有发现严重的副作用。疫苗效果远远超出了大多数专家的预期。 消息一出，欧美股市大涨，研发疫苗的BioNTech和辉瑞（Pfizer）股价分别上涨了13.91%和7.69%，而此前受疫情拖累的一些板块的涨幅超过了15%甚至20%。 90%的有效率是什么概念呢？美国药监局（FDA）设立的批准门槛是有效性大于50%，一般流感疫苗有效性达到70%就可以烧高香了，在一些疫苗的研发中，因为疫苗和流行毒株错配了导致疫苗有效性只有10%。 根据披露的数据来看，BioNTech的新冠疫苗临床三期接","images":[{"img":"https://static.tigerbbs.com/73cd927b946840d8be5395293091ab22","width":"-1","height":"-1"},{"img":"https://static.tigerbbs.com/c24195cb9e434b9eba26f63d8c0cf11e","width":"-1","height":"-1"},{"img":"https://static.tigerbbs.com/3ee7d18e2a4a483293a6c686c0db0eae","width":"-1","height":"-1"}],"top":1,"highlighted":2,"essential":2,"paper":2,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/895093888","isVote":1,"tweetType":1,"viewCount":0,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":21,"langContent":"CN","totalScore":0},"isVote":1,"tweetType":1,"viewCount":479,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":142105053,"gmtCreate":1626135107872,"gmtModify":1626135107872,"author":{"id":"3562204142746468","authorId":"3562204142746468","name":"16dad","avatar":"https://static.tigerbbs.com/d3f5812504b4b17c4e1da8d2c3088ad4","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562204142746468","authorIdStr":"3562204142746468"},"themes":[],"htmlText":"这篇文章不错，转发给大家看","listText":"这篇文章不错，转发给大家看","text":"这篇文章不错，转发给大家看","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/142105053","repostId":"146877479","repostType":1,"repost":{"id":146877479,"gmtCreate":1626071704287,"gmtModify":1626085992210,"author":{"id":"36979109942400","authorId":"36979109942400","name":"小虎周报","avatar":"https://static.laohu8.com/f7b172cf773c77a3f0df67695c126b51","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"36979109942400","authorIdStr":"36979109942400"},"themes":[],"title":"FIGS：如何靠时尚医护服装，实现146%的复合增长率？","htmlText":"作为一家生产、销售手术服服装的企业，<a target=\"_blank\" href=\"https://laohu8.com/S/FIGS\">$FIGS, Inc.(FIGS)$</a> 打破传统的批发模式，通过线上直接向医护工作者销售手术服。公司于2021年5月27日登陆纽交所，这样一个小而美的垂类服装品牌，过去三年，如何实现146%的复合增长率，将估值提升到近70亿美金的水平？ FIGS拥有社区平台，2020年FIGS的社区用户增长了一倍，2021年一季度达到150万，其中60%是回头客。推荐、口碑营销成为FIGS重要的展业形式。例如，与 KOL和其他影响力人群合作，据招股书，230位医疗领域核心KOL的宣传助阵，帮助FIGS品牌传播至数百万的医疗人员。更具包容性的社区，扮演了医疗领域生态系统的角色。而FIGS也是走纯线上模式，有98%的产品是通过网站和移动应用程序在内的数字平台来进行销售。 FIGS还通过社交媒体助力获客，提高品牌知名度。FIGS注重在社交媒体上的宣传，根据我们统计，截至7月初，FIGS在各大社交媒体粉丝数：Facebook粉丝31.9w；instagram粉丝数60.4w，Pinterest2.3w粉丝；Twitter粉丝1.4w；以及公司正在发力运营的Tiktok 目前约1.7w粉丝； FIGS是一家高速增长，且还能够实现盈利的成长性公司。2020年，公司大幅提升产能以满足抗疫一线对专业医护服装及器械的需求。2020年FIGS销售收入达2.63亿美元，同比增长138%，利润达到5700万美元，兼顾成长与盈利，这在成长股中还属于罕见。 用户结构方面，FIGS的女性客户占比高达83%，且医疗行业普遍收入偏高。男性业务仅占2020 年净收入17%。公司招股书显示，2019年男性平均占美国医疗保健劳动力的 25% 左右，但FIGS认为这为扩大我们的客户群提供","listText":"作为一家生产、销售手术服服装的企业，<a target=\"_blank\" href=\"https://laohu8.com/S/FIGS\">$FIGS, Inc.(FIGS)$</a> 打破传统的批发模式，通过线上直接向医护工作者销售手术服。公司于2021年5月27日登陆纽交所，这样一个小而美的垂类服装品牌，过去三年，如何实现146%的复合增长率，将估值提升到近70亿美金的水平？ FIGS拥有社区平台，2020年FIGS的社区用户增长了一倍，2021年一季度达到150万，其中60%是回头客。推荐、口碑营销成为FIGS重要的展业形式。例如，与 KOL和其他影响力人群合作，据招股书，230位医疗领域核心KOL的宣传助阵，帮助FIGS品牌传播至数百万的医疗人员。更具包容性的社区，扮演了医疗领域生态系统的角色。而FIGS也是走纯线上模式，有98%的产品是通过网站和移动应用程序在内的数字平台来进行销售。 FIGS还通过社交媒体助力获客，提高品牌知名度。FIGS注重在社交媒体上的宣传，根据我们统计，截至7月初，FIGS在各大社交媒体粉丝数：Facebook粉丝31.9w；instagram粉丝数60.4w，Pinterest2.3w粉丝；Twitter粉丝1.4w；以及公司正在发力运营的Tiktok 目前约1.7w粉丝； FIGS是一家高速增长，且还能够实现盈利的成长性公司。2020年，公司大幅提升产能以满足抗疫一线对专业医护服装及器械的需求。2020年FIGS销售收入达2.63亿美元，同比增长138%，利润达到5700万美元，兼顾成长与盈利，这在成长股中还属于罕见。 用户结构方面，FIGS的女性客户占比高达83%，且医疗行业普遍收入偏高。男性业务仅占2020 年净收入17%。公司招股书显示，2019年男性平均占美国医疗保健劳动力的 25% 左右，但FIGS认为这为扩大我们的客户群提供","text":"作为一家生产、销售手术服服装的企业，$FIGS, Inc.(FIGS)$ 打破传统的批发模式，通过线上直接向医护工作者销售手术服。公司于2021年5月27日登陆纽交所，这样一个小而美的垂类服装品牌，过去三年，如何实现146%的复合增长率，将估值提升到近70亿美金的水平？ FIGS拥有社区平台，2020年FIGS的社区用户增长了一倍，2021年一季度达到150万，其中60%是回头客。推荐、口碑营销成为FIGS重要的展业形式。例如，与 KOL和其他影响力人群合作，据招股书，230位医疗领域核心KOL的宣传助阵，帮助FIGS品牌传播至数百万的医疗人员。更具包容性的社区，扮演了医疗领域生态系统的角色。而FIGS也是走纯线上模式，有98%的产品是通过网站和移动应用程序在内的数字平台来进行销售。 FIGS还通过社交媒体助力获客，提高品牌知名度。FIGS注重在社交媒体上的宣传，根据我们统计，截至7月初，FIGS在各大社交媒体粉丝数：Facebook粉丝31.9w；instagram粉丝数60.4w，Pinterest2.3w粉丝；Twitter粉丝1.4w；以及公司正在发力运营的Tiktok 目前约1.7w粉丝； FIGS是一家高速增长，且还能够实现盈利的成长性公司。2020年，公司大幅提升产能以满足抗疫一线对专业医护服装及器械的需求。2020年FIGS销售收入达2.63亿美元，同比增长138%，利润达到5700万美元，兼顾成长与盈利，这在成长股中还属于罕见。 用户结构方面，FIGS的女性客户占比高达83%，且医疗行业普遍收入偏高。男性业务仅占2020 年净收入17%。公司招股书显示，2019年男性平均占美国医疗保健劳动力的 25% 左右，但FIGS认为这为扩大我们的客户群提供","images":[{"img":"https://static.tigerbbs.com/7e0b9eb724b1e76fedaa542de7c4ddcb","width":"1148","height":"644"},{"img":"https://static.tigerbbs.com/0c749722ab17e84aaf4249113ae541a8","width":"1148","height":"571"},{"img":"https://static.tigerbbs.com/6debd5f47acf951eecea2f516869d27b","width":"1138","height":"646"}],"top":1,"highlighted":2,"essential":2,"paper":2,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/146877479","isVote":1,"tweetType":1,"viewCount":0,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":14,"langContent":"CN","totalScore":0},"isVote":1,"tweetType":1,"viewCount":514,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":349757906,"gmtCreate":1617643752405,"gmtModify":1617643752405,"author":{"id":"3562204142746468","authorId":"3562204142746468","name":"16dad","avatar":"https://static.tigerbbs.com/d3f5812504b4b17c4e1da8d2c3088ad4","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562204142746468","authorIdStr":"3562204142746468"},"themes":[],"htmlText":"这篇文章不错，转发给大家看","listText":"这篇文章不错，转发给大家看","text":"这篇文章不错，转发给大家看","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/349757906","repostId":"384162653","repostType":1,"repost":{"id":384162653,"gmtCreate":1613627446372,"gmtModify":1617875265610,"author":{"id":"3460459258865476","authorId":"3460459258865476","name":"新经济IPO","avatar":"https://static.tigerbbs.com/9d817b2039a58fbb32ab93d2a5d56450","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3460459258865476","authorIdStr":"3460459258865476"},"themes":[],"title":"估值1000亿元，黑石投资的在线博彩业支付巨头Paysafe贵吗？","htmlText":"Paysafe是英国一家领先的在线支付机构。2020年12月，著名投资者、亿万富翁比尔·弗利（Bill Foley）投资的空白支票公司Foley Trasimene Acquisition宣布，将以90亿美元的估值收购Paysafe。<a target=\"_blank\" href=\"https://laohu8.com/S/BFT\">$Foley Trasimene Acquisition II Corp(BFT)$</a>这意味着Paysafe将通过借壳FoleyTrasimene Acquisition再次上市。为何说是再次呢？2017年，黑石和CVC Capital Partner以47亿美元的价格将Paysafe私有化。黑石收购完Paysafe后，先后投入了2.5亿美元完善和提升公司产品和技术平台，并投入10亿美元进行战略并购，多元化公司业务。目前，Paysafe已进入美国12个州的电子博彩行业。以收购价看，黑石这笔投资回报接近100%，当然由于并购后的公司实际市值已经达到了150亿美元，其回报率超过了300%。Paysafe的产品和服务包括电子钱包、数字货币和支付交易处理。据公司预计，2021年，其交易规模预计将达到1030亿美元，收入超过15亿美元，毛利润约9.6亿美元。具体来看，2021年，其数字钱包活跃用户将达380万，钱包存款余额10亿美元；交易规模将达到230亿美元，费率约1.9%，收入预计将达到4.41亿元，毛利润约3.59亿元。2021年，电子现金用户预计达到1200万，交易规模达50亿美元，费率约6.8%，收入约3.18亿美元，毛利润约1.7亿美元。2021年，交易处理业务覆盖商家25万户，交易规模约750亿美元，费率约1%，收入约7.64亿美元，毛利润约4.32亿美元。来源：公司招股书不过，公司对未来2020-2023年的收入增速似乎不太乐观，给","listText":"Paysafe是英国一家领先的在线支付机构。2020年12月，著名投资者、亿万富翁比尔·弗利（Bill Foley）投资的空白支票公司Foley Trasimene Acquisition宣布，将以90亿美元的估值收购Paysafe。<a target=\"_blank\" href=\"https://laohu8.com/S/BFT\">$Foley Trasimene Acquisition II Corp(BFT)$</a>这意味着Paysafe将通过借壳FoleyTrasimene Acquisition再次上市。为何说是再次呢？2017年，黑石和CVC Capital Partner以47亿美元的价格将Paysafe私有化。黑石收购完Paysafe后，先后投入了2.5亿美元完善和提升公司产品和技术平台，并投入10亿美元进行战略并购，多元化公司业务。目前，Paysafe已进入美国12个州的电子博彩行业。以收购价看，黑石这笔投资回报接近100%，当然由于并购后的公司实际市值已经达到了150亿美元，其回报率超过了300%。Paysafe的产品和服务包括电子钱包、数字货币和支付交易处理。据公司预计，2021年，其交易规模预计将达到1030亿美元，收入超过15亿美元，毛利润约9.6亿美元。具体来看，2021年，其数字钱包活跃用户将达380万，钱包存款余额10亿美元；交易规模将达到230亿美元，费率约1.9%，收入预计将达到4.41亿元，毛利润约3.59亿元。2021年，电子现金用户预计达到1200万，交易规模达50亿美元，费率约6.8%，收入约3.18亿美元，毛利润约1.7亿美元。2021年，交易处理业务覆盖商家25万户，交易规模约750亿美元，费率约1%，收入约7.64亿美元，毛利润约4.32亿美元。来源：公司招股书不过，公司对未来2020-2023年的收入增速似乎不太乐观，给","text":"Paysafe是英国一家领先的在线支付机构。2020年12月，著名投资者、亿万富翁比尔·弗利（Bill Foley）投资的空白支票公司Foley Trasimene Acquisition宣布，将以90亿美元的估值收购Paysafe。$Foley Trasimene Acquisition II Corp(BFT)$这意味着Paysafe将通过借壳FoleyTrasimene Acquisition再次上市。为何说是再次呢？2017年，黑石和CVC Capital Partner以47亿美元的价格将Paysafe私有化。黑石收购完Paysafe后，先后投入了2.5亿美元完善和提升公司产品和技术平台，并投入10亿美元进行战略并购，多元化公司业务。目前，Paysafe已进入美国12个州的电子博彩行业。以收购价看，黑石这笔投资回报接近100%，当然由于并购后的公司实际市值已经达到了150亿美元，其回报率超过了300%。Paysafe的产品和服务包括电子钱包、数字货币和支付交易处理。据公司预计，2021年，其交易规模预计将达到1030亿美元，收入超过15亿美元，毛利润约9.6亿美元。具体来看，2021年，其数字钱包活跃用户将达380万，钱包存款余额10亿美元；交易规模将达到230亿美元，费率约1.9%，收入预计将达到4.41亿元，毛利润约3.59亿元。2021年，电子现金用户预计达到1200万，交易规模达50亿美元，费率约6.8%，收入约3.18亿美元，毛利润约1.7亿美元。2021年，交易处理业务覆盖商家25万户，交易规模约750亿美元，费率约1%，收入约7.64亿美元，毛利润约4.32亿美元。来源：公司招股书不过，公司对未来2020-2023年的收入增速似乎不太乐观，给","images":[{"img":"https://static.tigerbbs.com/6d422a7dc87be4d744075360d56ef642"},{"img":"https://static.tigerbbs.com/1a83a822e0f53b0541fb11444c46f301"},{"img":"https://static.tigerbbs.com/9711a7ecc1fdb8e95f2706efc387dee8"}],"top":1,"highlighted":1,"essential":2,"paper":2,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/384162653","isVote":1,"tweetType":1,"viewCount":0,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":12,"langContent":"CN","totalScore":0},"isVote":1,"tweetType":1,"viewCount":455,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":340120473,"gmtCreate":1617358701392,"gmtModify":1617358701392,"author":{"id":"3562204142746468","authorId":"3562204142746468","name":"16dad","avatar":"https://static.tigerbbs.com/d3f5812504b4b17c4e1da8d2c3088ad4","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562204142746468","authorIdStr":"3562204142746468"},"themes":[],"htmlText":"这篇文章不错，转发给大家看","listText":"这篇文章不错，转发给大家看","text":"这篇文章不错，转发给大家看","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/340120473","repostId":"2124043212","repostType":2,"isVote":1,"tweetType":1,"viewCount":338,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":351307647,"gmtCreate":1616560111389,"gmtModify":1616560111389,"author":{"id":"3562204142746468","authorId":"3562204142746468","name":"16dad","avatar":"https://static.tigerbbs.com/d3f5812504b4b17c4e1da8d2c3088ad4","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3562204142746468","authorIdStr":"3562204142746468"},"themes":[],"htmlText":"这篇文章不错，转发给大家看","listText":"这篇文章不错，转发给大家看","text":"这篇文章不错，转发给大家看","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/351307647","repostId":"324814093","repostType":1,"repost":{"id":324814093,"gmtCreate":1615982111212,"gmtModify":1703495879458,"author":{"id":"3555912730539938","authorId":"3555912730539938","name":"松果财经","avatar":"https://static.tigerbbs.com/62f60e23a6d7da19c7efdae990c3b8fb","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3555912730539938","authorIdStr":"3555912730539938"},"themes":[],"title":"估值最高20亿，soul 到底有什么投资价值？","htmlText":"万万没想到，主打“灵魂”交友的soul竟然要上市了。3月17日消息，据多家报道，中国约会和聊天应用Soul计划IPO，目前正在与潜在投资者交流，计划以超过10亿美元的估值募资2亿美元，投资者将Soul的估值看高至20亿美元。随后Soul方面表示，公司没有确定的上市计划。做陌生人社交软件的这么多，为什么soul能在一众传统陌生人社交产品中脱颖而出？资本又为何给soul这么高的估值呢？soul的“灵魂”之路Soul创立于2016年，基于性格兴趣等心灵特征，应用大数据及人工智能技术为用户推送最感兴趣的人和内容，是一款号称“不看脸只看灵魂的”的社交应用。在soul里，用户上传的所有资料照片都会进行匿名化处理，代之以卡通形象，从而尽可能减少外貌的影响。由于专注于聊天， Soul非常受青少年欢迎。早在2017年3月和2018年3月就完成了由五源资本（原晨星资本）、元生资本等机构领投的A轮和B轮融资。根据PitchBook的数据，Soul目前通过私有投资者累计融资6000万美元。该公司的股东包括DST Global、5Y Capital（之前名为Morningside Venture Capital）和纪源资本。Soul的IPO财务顾问包括CICC、摩根士丹利、Jefferies和美国银行，资本实力不容小觑。那么，资本为什么看好soul呢？soul的“过人”之处和其他陌生人交友软件相比，soul的优势在哪？下面《松果财经》带大家盘点一下，soul 到底有什么投资价值。（1）注册用户过亿，平均活跃用户达到千万量级。据Soul在2020年12月公布的信息，Soul的累计用户量已经超过一亿。这对于陌生人社交软件来说，是非常不容易的。即便是常年霸**国约会交友APP排行榜中第一第二的探探，至今的累计用户才3亿人。而且，早在去年11月，Soul的月活跃用户就已接近2900万，同比增长133%。平均","listText":"万万没想到，主打“灵魂”交友的soul竟然要上市了。3月17日消息，据多家报道，中国约会和聊天应用Soul计划IPO，目前正在与潜在投资者交流，计划以超过10亿美元的估值募资2亿美元，投资者将Soul的估值看高至20亿美元。随后Soul方面表示，公司没有确定的上市计划。做陌生人社交软件的这么多，为什么soul能在一众传统陌生人社交产品中脱颖而出？资本又为何给soul这么高的估值呢？soul的“灵魂”之路Soul创立于2016年，基于性格兴趣等心灵特征，应用大数据及人工智能技术为用户推送最感兴趣的人和内容，是一款号称“不看脸只看灵魂的”的社交应用。在soul里，用户上传的所有资料照片都会进行匿名化处理，代之以卡通形象，从而尽可能减少外貌的影响。由于专注于聊天， Soul非常受青少年欢迎。早在2017年3月和2018年3月就完成了由五源资本（原晨星资本）、元生资本等机构领投的A轮和B轮融资。根据PitchBook的数据，Soul目前通过私有投资者累计融资6000万美元。该公司的股东包括DST Global、5Y Capital（之前名为Morningside Venture Capital）和纪源资本。Soul的IPO财务顾问包括CICC、摩根士丹利、Jefferies和美国银行，资本实力不容小觑。那么，资本为什么看好soul呢？soul的“过人”之处和其他陌生人交友软件相比，soul的优势在哪？下面《松果财经》带大家盘点一下，soul 到底有什么投资价值。（1）注册用户过亿，平均活跃用户达到千万量级。据Soul在2020年12月公布的信息，Soul的累计用户量已经超过一亿。这对于陌生人社交软件来说，是非常不容易的。即便是常年霸**国约会交友APP排行榜中第一第二的探探，至今的累计用户才3亿人。而且，早在去年11月，Soul的月活跃用户就已接近2900万，同比增长133%。平均","text":"万万没想到，主打“灵魂”交友的soul竟然要上市了。3月17日消息，据多家报道，中国约会和聊天应用Soul计划IPO，目前正在与潜在投资者交流，计划以超过10亿美元的估值募资2亿美元，投资者将Soul的估值看高至20亿美元。随后Soul方面表示，公司没有确定的上市计划。做陌生人社交软件的这么多，为什么soul能在一众传统陌生人社交产品中脱颖而出？资本又为何给soul这么高的估值呢？soul的“灵魂”之路Soul创立于2016年，基于性格兴趣等心灵特征，应用大数据及人工智能技术为用户推送最感兴趣的人和内容，是一款号称“不看脸只看灵魂的”的社交应用。在soul里，用户上传的所有资料照片都会进行匿名化处理，代之以卡通形象，从而尽可能减少外貌的影响。由于专注于聊天， Soul非常受青少年欢迎。早在2017年3月和2018年3月就完成了由五源资本（原晨星资本）、元生资本等机构领投的A轮和B轮融资。根据PitchBook的数据，Soul目前通过私有投资者累计融资6000万美元。该公司的股东包括DST Global、5Y Capital（之前名为Morningside Venture Capital）和纪源资本。Soul的IPO财务顾问包括CICC、摩根士丹利、Jefferies和美国银行，资本实力不容小觑。那么，资本为什么看好soul呢？soul的“过人”之处和其他陌生人交友软件相比，soul的优势在哪？下面《松果财经》带大家盘点一下，soul 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1.监管的直接影响 本次征求意见稿最引人注目的就是“电子烟等新型烟草制品参照本条例中关于卷烟的有关规定执行”，最为市场担心的就是，将电子烟纳入烟草管理条例由烟草专卖行政主管进行管理。但这种风险我认为不大，首先由发文机构来分析，本次征求意见稿的是由工信部提交而非烟草专卖局，基本可以确定未来电子烟的行政管理权归属工信部与烟草专卖局和工商管理部门联合管理。 我们业内其实最担心的是将电子烟纳入烟草专卖法进行管理，而现在是“参照”现有有关规定执行，说明在现有情况下新型烟草并未完全视同为烟草制品，利用现有法律条例进行依法监管，未来不排除针对新兴烟草进行新的立法。目前对于我们电子烟业内的共识是利好，因为是“依法监管”而非禁止。 而将电子烟纳入监管范围有4大环节，分别为烟油烟弹的生产加工、烟具的生产加工、产品流通、销售。烟油里只有4种成分（尼古丁盐、丙二醇、丙三醇、香精香料），丙二醇、丙三醇属于基础化工产品，香精香料属于食品添加剂，尼古丁属于危险化学品，目前只有尼古丁和尼古丁盐是有可能会被监管的成分，但我个人认为监管不会完全切断尼古丁的生产，因为目前尼古丁已经有人工合成尼古丁了，参照烟草管理核心资料对生产、运输、经营都需要取得资质。 我认为比较有可能的监管措施是限制尼古丁含量/浓度，像欧盟TPD一样要求将烟油的尼古丁浓度限制为2%（目前常规产品为3.5-5%）。上游工厂和品牌对尼古丁浓进行调整，下游消费者需求仍可以满足，电子烟产业链整体合规化经营发展。而烟弹烟具的生产加工，更像是电子","listText":"Hello!各位虎友，我是博派资本的李欧成，作为6年的老虎友第一次在老虎社区内跟大家交流。我本人是国内最早的电子烟投资人，早在2015年我就开始投资电子烟的上下游产业，并且我也是RLX和思摩尔的重仓长期持有者，今天工信部发布关于电子烟监管的征求意见稿，各位虎友对于电子烟行业监管风暴议论纷纷，我来讲下我的看法。 1.监管的直接影响 本次征求意见稿最引人注目的就是“电子烟等新型烟草制品参照本条例中关于卷烟的有关规定执行”，最为市场担心的就是，将电子烟纳入烟草管理条例由烟草专卖行政主管进行管理。但这种风险我认为不大，首先由发文机构来分析，本次征求意见稿的是由工信部提交而非烟草专卖局，基本可以确定未来电子烟的行政管理权归属工信部与烟草专卖局和工商管理部门联合管理。 我们业内其实最担心的是将电子烟纳入烟草专卖法进行管理，而现在是“参照”现有有关规定执行，说明在现有情况下新型烟草并未完全视同为烟草制品，利用现有法律条例进行依法监管，未来不排除针对新兴烟草进行新的立法。目前对于我们电子烟业内的共识是利好，因为是“依法监管”而非禁止。 而将电子烟纳入监管范围有4大环节，分别为烟油烟弹的生产加工、烟具的生产加工、产品流通、销售。烟油里只有4种成分（尼古丁盐、丙二醇、丙三醇、香精香料），丙二醇、丙三醇属于基础化工产品，香精香料属于食品添加剂，尼古丁属于危险化学品，目前只有尼古丁和尼古丁盐是有可能会被监管的成分，但我个人认为监管不会完全切断尼古丁的生产，因为目前尼古丁已经有人工合成尼古丁了，参照烟草管理核心资料对生产、运输、经营都需要取得资质。 我认为比较有可能的监管措施是限制尼古丁含量/浓度，像欧盟TPD一样要求将烟油的尼古丁浓度限制为2%（目前常规产品为3.5-5%）。上游工厂和品牌对尼古丁浓进行调整，下游消费者需求仍可以满足，电子烟产业链整体合规化经营发展。而烟弹烟具的生产加工，更像是电子","text":"Hello!各位虎友，我是博派资本的李欧成，作为6年的老虎友第一次在老虎社区内跟大家交流。我本人是国内最早的电子烟投资人，早在2015年我就开始投资电子烟的上下游产业，并且我也是RLX和思摩尔的重仓长期持有者，今天工信部发布关于电子烟监管的征求意见稿，各位虎友对于电子烟行业监管风暴议论纷纷，我来讲下我的看法。 1.监管的直接影响 本次征求意见稿最引人注目的就是“电子烟等新型烟草制品参照本条例中关于卷烟的有关规定执行”，最为市场担心的就是，将电子烟纳入烟草管理条例由烟草专卖行政主管进行管理。但这种风险我认为不大，首先由发文机构来分析，本次征求意见稿的是由工信部提交而非烟草专卖局，基本可以确定未来电子烟的行政管理权归属工信部与烟草专卖局和工商管理部门联合管理。 我们业内其实最担心的是将电子烟纳入烟草专卖法进行管理，而现在是“参照”现有有关规定执行，说明在现有情况下新型烟草并未完全视同为烟草制品，利用现有法律条例进行依法监管，未来不排除针对新兴烟草进行新的立法。目前对于我们电子烟业内的共识是利好，因为是“依法监管”而非禁止。 而将电子烟纳入监管范围有4大环节，分别为烟油烟弹的生产加工、烟具的生产加工、产品流通、销售。烟油里只有4种成分（尼古丁盐、丙二醇、丙三醇、香精香料），丙二醇、丙三醇属于基础化工产品，香精香料属于食品添加剂，尼古丁属于危险化学品，目前只有尼古丁和尼古丁盐是有可能会被监管的成分，但我个人认为监管不会完全切断尼古丁的生产，因为目前尼古丁已经有人工合成尼古丁了，参照烟草管理核心资料对生产、运输、经营都需要取得资质。 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