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But, it already expects to report adjusted EBITDA profits for FY21.</li>\n <li>We discuss where SoFi stock is heading as we move towards 2022.</li>\n <li>I do much more than just articles at Ultimate Growth Investing: Members get access to model portfolios, regular updates, a chat room, and more.</li>\n</ul>\n<p><b>Investment Thesis</b></p>\n<p>SoFi Technologies, Inc. (SOFI) is an emerging leader among new FinTech players who are keen to disrupt the legacy players with their members-focused strategy. SoFi believes that legacy players don't focus on maximizing the lifetime value of their customers. Instead, they are focused on their short-term profit goals. However, SoFi endeavors to build its business model around its members, helping them achieve their goals. Therefore, the company has developed a vertically integrated platform that serves its members seamlessly. Consequently, SoFi has consistently reported strong product and members growth over time, validating its strategy. CEO Anthony Noto reminds us of SoFi's mission (edited):</p>\n<blockquote>\n Not only do we want to have a lifetime relationship with our members, but we want to be there for every major financial decision they have in their lives as well as all the days in between. And in order to do that, we need to help them get their money right. It means we have to help them borrow better, save better, spend better, protect better, invest better. (5th Annual Virtual Wells Fargo TMT Summit Conference)\n</blockquote>\n<p>SOFI stock has also been battered in the recent retracement. Therefore, the stock is now back to its key support level, despite reporting solid FQ3 results. Therefore, we believe that the stock could make its move higher as we head into 2022. In addition, we discuss whether it's apt for investors to add exposure now.</p>\n<p>Readers new to SoFi canrefer to our previous article as a primer.</p>\n<p><b>SOFI Stock YTD Performance</b></p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/3f2e6bfa68f54e73825fdd1f8dcbbe0e\" tg-width=\"1485\" tg-height=\"720\" width=\"100%\" height=\"auto\"><span>SOFI stock YTD performance (as of 22 December'21).</span></p>\n<p>Readers can quickly glean that SOFI stock's price volatility is not for the faint-hearted. The stock has seen at least three sharp upward momentum spikes throughout the year that sent the stock's YTD gains to 100% in February. However, the stock's mean-reversion tendencies continue to weigh on its upward momentum. Therefore, investors who added the stock at the highs might have suffered steep losses as the stock retraced. Moreover, its relatively&nbsp;high short percent of float at just under 10%throughout the year could also have contributed to its high volatility. Nevertheless, the stock has managed to keep itself within sight of the broad market leaders with a YTD gain of 20.5%.</p>\n<p><b>Strong Focus On Members Drive Consistent Product Growth</b></p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/fa7169dadeb5216b68c06991fdaa12b3\" tg-width=\"1022\" tg-height=\"629\" width=\"100%\" height=\"auto\"><span>SoFi average products per member. Data source: Company filings</span></p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/eb1ec47ef6a47a426dd4a0479ddab86a\" tg-width=\"1222\" tg-height=\"739\" width=\"100%\" height=\"auto\"><span>Sofi average products per member by segment. Data source: Company filings</span></p>\n<p>SoFi has clearly driven strong product adoption across its growing member base that reached 2.94M members in FQ3. It also added 377K members, which, according to SoFi, was its second-highest quarterly increase. Notably, its strong member-focused business model also drove its average products per member, which reached 1.45 in FQ3. We can also observe the strong growth in financial services products per member as seen above. Its highly profitable lending segment serves as its funnel to grow its still nascent financial services segment. It's a critical segment to drive engagement due to the core products involved, such as savings, investments, and spending-related products. Some readers may observe that the average lending products per member seem to be dropping. However, we think there's no cause for concern here as the company listed eight financial services products compared to just three lending products. Moreover, the lending products are also highly specific for meeting members' needs. For example, if you are not a student, you wouldn't be taking up a student loan. However, its financial services products are designed for all its members. Therefore, we should focus on the traction of its financial services segment to evaluate the strength of the adoption of its products.</p>\n<p>Moreover, the company strongly believes that its \"vertically-integrated\" technology platform is its key competitive advantage. It allows the company to deliver a seamless onboarding experience across various product lines for its customers. SoFi believes that its platform advantage will continue to help it extend the rapid adoption of its products across its growing member base. Noto articulated (edited):</p>\n<blockquote>\n <i>At a macro level, we have better technology.</i>We have the ability to use data because it's not siloed.\n <i>We're vertically integrated</i>. For many banks, their core banking technologies are still on-premise. In many cases, they're still siloed, and therefore, that silos the data and also real-time decisioning. You can't get to that ease of use and that functionality, if you have different data architectures and you have different core technologies. And so we definitely benefit from our technology approach and our data architecture. (5th Annual Virtual Wells Fargo TMT Summit Conference)\n</blockquote>\n<p>Strong Lending And Tech Segment Give SoFi Time To Build Up Its Financial Services Segment</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/c056c5d40607297814798de0f03d7b84\" tg-width=\"1231\" tg-height=\"744\" width=\"100%\" height=\"auto\"><span>SoFi FQ1-FQ3'21 adjusted revenue and adjusted contribution profit by segment. Data source: Company filings</span></p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/e1292224be26d73718a396ca582da342\" tg-width=\"1213\" tg-height=\"740\" width=\"100%\" height=\"auto\"><span>SoFi adjusted contribution margin by segment. Data source: Company filings</span></p>\n<p>SoFi has consistently telegraphed that it operates in a market with a massive TAM. The lending market easily extends into trillions of dollars. Therefore, the company believes that its lending opportunities are still in the early innings. Notably, it already operates a solidly profitable lending and technology segment, as we can observe above. Its lending segment continues to be its key revenue driver in 2021, and it has been growing rapidly. Notably, it's also highly profitable, as SoFi reported an adjusted contribution margin of 54.6% in FQ3'21. Its contribution margin has also remained consistent throughout the year, despite the headwinds faced in the student loans market. Therefore, we are confident that SoFi's diversified loans portfolio can sustain its lending segment. Importantly, it gives SoFi time and flexibility to expand its financial services segment that is still incurring significant losses. However, the company sees a \"500M FDIC accounts\" opportunity ready for disruption.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/849389677e66c8c24557d73422702951\" tg-width=\"1062\" tg-height=\"649\" width=\"100%\" height=\"auto\"><span>SoFi adjusted EBITDA margins. Data source: Company filings</span></p>\n<p>The company focuses on what it calls a \"higher-end demographic, with a household income of above $100K.\" Therefore, it targets higher-quality members that it believes can significantly contribute to its product adoptions and revenue growth. Moreover, the company believes that it's on track to hit its 10M members target by focusing on its \"best-in-class\" products. Noto emphasized (edited):</p>\n<blockquote>\n \"\n <i>I would be really disappointed if we didn't achieve our 5-year plan that we laid out and getting to 10 million members</i>at SoFi and obviously more products than that. We're challenging ourselves to build a best-in-class product across four big macros, fast, selection, content, and convenience. Now those are pretty common adjectives, and they may not sound differentiated. But within each one, there is a ton of differentiation.\"\n</blockquote>\n<p>Moreover, we believe that the company is well-placed to build on its platform advantage in its fast-growing financial services segment. It can leverage its profitable lending segment despite incurring losses for now. Notably, the company has turned adjusted EBITDA profitable on a consolidated basis and is expected to maintain its profitability moving ahead.</p>\n<p>Nevertheless, two key risks may continue to impinge on its stock momentum in the near term. However, these risks are not new, and we don't expect them to be significant structural issues. President Biden just extended the student loan payment pause until 1 May'22. The Omicron variant has thrown a spanner in the works. But, we believe it only pushes back the restart of the repayment but is unlikely to be totally canceled. There is more than $1.6T of student debt outstanding, and the ramifications could be devastating. Notwithstanding, it's still a risk that we must highlight to readers.</p>\n<p>Moreover, therecent regulatory comments by FINRAand the SEC over restrictions to options trading could continue to affect sentiment around FinTech stocks like SoFi. Options trading has been very profitable for the market makers and brokerages like Robinhood (HOOD). Retail traders accounted for more than \"25% of total optionstrading activity\". Moreover, the average daily volume of total options contracts traded also rose 35% YoY to 39M, to the \"highest level ever.\" Since options trading comes with leverage, we believe that it's only prudent that regulators are evaluating the need to restrict the marketing of options trading. Investors who are not well-versed in options trading could have their portfolios decimated if their risk management was poor.</p>\n<p>However,SoFi has no exposure to options trading currently. Nevertheless, it might reduce the potential opportunity for SoFi if certain restrictions were implemented. However, there's no impact on its current estimates, and thus investors should not be unduly concerned. Therefore, any short-term headwinds or knee-jerk reaction to such concerns should be capitalized on by investors.</p>\n<p><b>So, Is SOFI Stock A Buy Now?</b></p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/7b3dcba281177d37e311accf244c9c19\" tg-width=\"1224\" tg-height=\"747\" width=\"100%\" height=\"auto\"><span>SoFi adjusted revenue and adjusted EBITDA margins. Data source: S&amp;P Capital IQ</span></p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/1dcec7448637c0257dd21f8abc415b9b\" tg-width=\"856\" tg-height=\"513\" width=\"100%\" height=\"auto\"><span>SOFI stock EV/NTM Revenue.</span></p>\n<p>SoFi's adjusted revenue is estimated to increase at a CAGR of 44.6% over the next two years. Notably, its estimated adjusted EBITDA margin is expected to grow to 20.4% from just 2.8% in FY21 (SoFi guided for 3%). Therefore, we believe that investors might see tremendous revenue and bottom-line growth in the next two years if SoFi continues to execute its strategy well. Nevertheless, the tailwinds supporting the growth in its lending segment must continue to underpin the momentum in its financial services segment.</p>\n<p>Moreover, SoFi stock is trading at an EV/NTM Revenue of 9.1x. The stock has also been strongly supported whenever its revenue multiple fell to around 9.2x. In addition, its stock is also testing a key support level that attracted a series of insider purchases in August.</p>\n<p>Therefore,<i>we reiterate our Buy rating on SOFI stock</i>. We believe the tailwinds driving its lending and financial services business are multi-year. Coupled with a potential bank charter in the works, SoFi stock is still very early in exploiting its market opportunities. However, we believe it's suitable for speculative investors only due to its volatility. In addition, we also encourage investors to add in phases.</p>","source":"seekingalpha","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>Where Is SoFi Stock Headed In 2022?</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\">\nWhere Is SoFi Stock Headed In 2022?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-12-24 16:08 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://seekingalpha.com/article/4476606-where-is-sofi-stock-headed-2022><strong>seekingalpha</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Summary\n\nSoFi stock has been battered recently due to headwinds facing FinTech stocks in general.\nThe company is still in the early innings of its market opportunities. But, it already expects to ...</p>\n\n<a href=\"https://seekingalpha.com/article/4476606-where-is-sofi-stock-headed-2022\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"SOFI":"SoFi Technologies Inc."},"source_url":"https://seekingalpha.com/article/4476606-where-is-sofi-stock-headed-2022","is_english":true,"share_image_url":"https://static.laohu8.com/5a36db9d73b4222bc376d24ccc48c8a4","article_id":"1153187365","content_text":"Summary\n\nSoFi stock has been battered recently due to headwinds facing FinTech stocks in general.\nThe company is still in the early innings of its market opportunities. But, it already expects to report adjusted EBITDA profits for FY21.\nWe discuss where SoFi stock is heading as we move towards 2022.\nI do much more than just articles at Ultimate Growth Investing: Members get access to model portfolios, regular updates, a chat room, and more.\n\nInvestment Thesis\nSoFi Technologies, Inc. (SOFI) is an emerging leader among new FinTech players who are keen to disrupt the legacy players with their members-focused strategy. SoFi believes that legacy players don't focus on maximizing the lifetime value of their customers. Instead, they are focused on their short-term profit goals. However, SoFi endeavors to build its business model around its members, helping them achieve their goals. Therefore, the company has developed a vertically integrated platform that serves its members seamlessly. Consequently, SoFi has consistently reported strong product and members growth over time, validating its strategy. CEO Anthony Noto reminds us of SoFi's mission (edited):\n\n Not only do we want to have a lifetime relationship with our members, but we want to be there for every major financial decision they have in their lives as well as all the days in between. And in order to do that, we need to help them get their money right. It means we have to help them borrow better, save better, spend better, protect better, invest better. (5th Annual Virtual Wells Fargo TMT Summit Conference)\n\nSOFI stock has also been battered in the recent retracement. Therefore, the stock is now back to its key support level, despite reporting solid FQ3 results. Therefore, we believe that the stock could make its move higher as we head into 2022. In addition, we discuss whether it's apt for investors to add exposure now.\nReaders new to SoFi canrefer to our previous article as a primer.\nSOFI Stock YTD Performance\nSOFI stock YTD performance (as of 22 December'21).\nReaders can quickly glean that SOFI stock's price volatility is not for the faint-hearted. The stock has seen at least three sharp upward momentum spikes throughout the year that sent the stock's YTD gains to 100% in February. However, the stock's mean-reversion tendencies continue to weigh on its upward momentum. Therefore, investors who added the stock at the highs might have suffered steep losses as the stock retraced. Moreover, its relatively high short percent of float at just under 10%throughout the year could also have contributed to its high volatility. Nevertheless, the stock has managed to keep itself within sight of the broad market leaders with a YTD gain of 20.5%.\nStrong Focus On Members Drive Consistent Product Growth\nSoFi average products per member. Data source: Company filings\nSofi average products per member by segment. Data source: Company filings\nSoFi has clearly driven strong product adoption across its growing member base that reached 2.94M members in FQ3. It also added 377K members, which, according to SoFi, was its second-highest quarterly increase. Notably, its strong member-focused business model also drove its average products per member, which reached 1.45 in FQ3. We can also observe the strong growth in financial services products per member as seen above. Its highly profitable lending segment serves as its funnel to grow its still nascent financial services segment. It's a critical segment to drive engagement due to the core products involved, such as savings, investments, and spending-related products. Some readers may observe that the average lending products per member seem to be dropping. However, we think there's no cause for concern here as the company listed eight financial services products compared to just three lending products. Moreover, the lending products are also highly specific for meeting members' needs. For example, if you are not a student, you wouldn't be taking up a student loan. However, its financial services products are designed for all its members. Therefore, we should focus on the traction of its financial services segment to evaluate the strength of the adoption of its products.\nMoreover, the company strongly believes that its \"vertically-integrated\" technology platform is its key competitive advantage. It allows the company to deliver a seamless onboarding experience across various product lines for its customers. SoFi believes that its platform advantage will continue to help it extend the rapid adoption of its products across its growing member base. Noto articulated (edited):\n\nAt a macro level, we have better technology.We have the ability to use data because it's not siloed.\n We're vertically integrated. For many banks, their core banking technologies are still on-premise. In many cases, they're still siloed, and therefore, that silos the data and also real-time decisioning. You can't get to that ease of use and that functionality, if you have different data architectures and you have different core technologies. And so we definitely benefit from our technology approach and our data architecture. (5th Annual Virtual Wells Fargo TMT Summit Conference)\n\nStrong Lending And Tech Segment Give SoFi Time To Build Up Its Financial Services Segment\nSoFi FQ1-FQ3'21 adjusted revenue and adjusted contribution profit by segment. Data source: Company filings\nSoFi adjusted contribution margin by segment. Data source: Company filings\nSoFi has consistently telegraphed that it operates in a market with a massive TAM. The lending market easily extends into trillions of dollars. Therefore, the company believes that its lending opportunities are still in the early innings. Notably, it already operates a solidly profitable lending and technology segment, as we can observe above. Its lending segment continues to be its key revenue driver in 2021, and it has been growing rapidly. Notably, it's also highly profitable, as SoFi reported an adjusted contribution margin of 54.6% in FQ3'21. Its contribution margin has also remained consistent throughout the year, despite the headwinds faced in the student loans market. Therefore, we are confident that SoFi's diversified loans portfolio can sustain its lending segment. Importantly, it gives SoFi time and flexibility to expand its financial services segment that is still incurring significant losses. However, the company sees a \"500M FDIC accounts\" opportunity ready for disruption.\nSoFi adjusted EBITDA margins. Data source: Company filings\nThe company focuses on what it calls a \"higher-end demographic, with a household income of above $100K.\" Therefore, it targets higher-quality members that it believes can significantly contribute to its product adoptions and revenue growth. Moreover, the company believes that it's on track to hit its 10M members target by focusing on its \"best-in-class\" products. Noto emphasized (edited):\n\n \"\n I would be really disappointed if we didn't achieve our 5-year plan that we laid out and getting to 10 million membersat SoFi and obviously more products than that. We're challenging ourselves to build a best-in-class product across four big macros, fast, selection, content, and convenience. Now those are pretty common adjectives, and they may not sound differentiated. But within each one, there is a ton of differentiation.\"\n\nMoreover, we believe that the company is well-placed to build on its platform advantage in its fast-growing financial services segment. It can leverage its profitable lending segment despite incurring losses for now. Notably, the company has turned adjusted EBITDA profitable on a consolidated basis and is expected to maintain its profitability moving ahead.\nNevertheless, two key risks may continue to impinge on its stock momentum in the near term. However, these risks are not new, and we don't expect them to be significant structural issues. President Biden just extended the student loan payment pause until 1 May'22. The Omicron variant has thrown a spanner in the works. But, we believe it only pushes back the restart of the repayment but is unlikely to be totally canceled. There is more than $1.6T of student debt outstanding, and the ramifications could be devastating. Notwithstanding, it's still a risk that we must highlight to readers.\nMoreover, therecent regulatory comments by FINRAand the SEC over restrictions to options trading could continue to affect sentiment around FinTech stocks like SoFi. Options trading has been very profitable for the market makers and brokerages like Robinhood (HOOD). Retail traders accounted for more than \"25% of total optionstrading activity\". Moreover, the average daily volume of total options contracts traded also rose 35% YoY to 39M, to the \"highest level ever.\" Since options trading comes with leverage, we believe that it's only prudent that regulators are evaluating the need to restrict the marketing of options trading. Investors who are not well-versed in options trading could have their portfolios decimated if their risk management was poor.\nHowever,SoFi has no exposure to options trading currently. Nevertheless, it might reduce the potential opportunity for SoFi if certain restrictions were implemented. However, there's no impact on its current estimates, and thus investors should not be unduly concerned. Therefore, any short-term headwinds or knee-jerk reaction to such concerns should be capitalized on by investors.\nSo, Is SOFI Stock A Buy Now?\nSoFi adjusted revenue and adjusted EBITDA margins. Data source: S&P Capital IQ\nSOFI stock EV/NTM Revenue.\nSoFi's adjusted revenue is estimated to increase at a CAGR of 44.6% over the next two years. Notably, its estimated adjusted EBITDA margin is expected to grow to 20.4% from just 2.8% in FY21 (SoFi guided for 3%). Therefore, we believe that investors might see tremendous revenue and bottom-line growth in the next two years if SoFi continues to execute its strategy well. Nevertheless, the tailwinds supporting the growth in its lending segment must continue to underpin the momentum in its financial services segment.\nMoreover, SoFi stock is trading at an EV/NTM Revenue of 9.1x. The stock has also been strongly supported whenever its revenue multiple fell to around 9.2x. In addition, its stock is also testing a key support level that attracted a series of insider purchases in August.\nTherefore,we reiterate our Buy rating on SOFI stock. We believe the tailwinds driving its lending and financial services business are multi-year. Coupled with a potential bank charter in the works, SoFi stock is still very early in exploiting its market opportunities. However, we believe it's suitable for speculative investors only due to its volatility. In addition, we also encourage investors to add in phases.","news_type":1},"isVote":1,"tweetType":1,"viewCount":317,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":876913698,"gmtCreate":1637248550508,"gmtModify":1637248558149,"author":{"id":"3575085237839408","authorId":"3575085237839408","name":"KokTong","avatar":"https://static.tigerbbs.com/02f7e5a5dfae2a5a3102418ad5bfc1dd","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false},"themes":[],"htmlText":"hi","listText":"hi","text":"hi","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/876913698","repostId":"2184853381","repostType":2,"repost":{"id":"2184853381","weMediaInfo":{"introduction":"Dow Jones publishes the world’s most trusted business news and financial information in a variety of media.","home_visible":0,"media_name":"Dow Jones","id":"106","head_image":"https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99"},"pubTimestamp":1637160000,"share":"https://www.laohu8.com/m/news/2184853381?lang=&edition=full","pubTime":"2021-11-17 22:40","market":"us","language":"en","title":"PayPal 'now risks getting disrupted' by competitors, analyst says in downgrade","url":"https://stock-news.laohu8.com/highlight/detail?id=2184853381","media":"Dow Jones","summary":"PayPal faces competitive pressures from Shopify, BNPL services, and elsewhere, according to Bernstein. PayPal Holdings Inc. has a reputation for disrupting the payments ecosystem, but it \"now risks getting disrupted\" itself, according to an analyst.Bernstein's Harshita Rawat downgraded the stock to market perform from outperform Wednesday, citing various competitive pressures for the digital payments giant. Shares of PayPal  are off 2.5% in premarket trading.\"Amazon currently doesn't accept PayP","content":"<html><body><font class=\"NormalMinus1\" face=\"Arial\">\n<p>\nMW <a href=\"https://laohu8.com/S/PYPL\">PayPal</a> 'now risks getting disrupted' by competitors, analyst says in downgrade\n</p>\n<p>\n  By Emily Bary \n</p>\n<p>\n  PayPal faces competitive pressures from Shopify, BNPL services, and elsewhere, according to Bernstein \n</p>\n<p>\n  PayPal Holdings Inc. has a reputation for disrupting the payments ecosystem, but it \"now risks getting disrupted\" itself, according to an analyst. \n</p>\n<p>\n  Bernstein's Harshita Rawat downgraded the stock to market perform from outperform Wednesday, citing various competitive pressures for the digital payments giant. Shares of PayPal (PYPL) are off 2.5% in premarket trading. \n</p>\n<p>\n  Rawat worries about the \"increasing aggregation\" of e-commerce activity on large platforms like Amazon.com Inc. <a href=\"https://laohu8.com/S/AMZN\">$(AMZN)$</a> and <a href=\"https://laohu8.com/S/SHOP\">Shopify Inc</a>. (SHOP.T), which she estimates are together responsible for about 32% of U.S. commerce. \n</p>\n<p>\n  \"Amazon currently doesn't accept PayPal and just agreed to accept Venmo starting in 2022,\" she wrote. \"Shopify has ambitions of creating its own payments business and has been pushing its merchants aggressively to convert to Shopify payments platform (and also towards the Shop Pay button).\" \n</p>\n<p>\n  Smaller merchants \"are PayPal's bread and butter, and Shopify's meteoric rise and push towards its own payments platform is particularly problematic,\" Rawat continued. PayPal's transaction economics are better with smaller businesses than with very large ones, she argued. Shopify Inc. represents an \"unassailable competitor\" when it comes to the small-business demographic, in her view. \n</p>\n<p>\n  Rawat is also concerned that PayPal's market-share gains will slow. The company has typically won share at the expense of manual card entry onto a website, but fewer consumers are entering their card information this way, she said, meaning there is less available land to grab there. She estimates that manual card entry now accounts for about 20% of e-commerce checkout, down from roughly 33% four years back. \n</p>\n<p>\n  More broadly, she thinks that share gains could slow \"by a thousand cuts\" thanks to the rise of a number of technologies that separately eat away at opportunities for PayPal. These include the growth of buy-now pay-later (BNPL) services, the ability to auto-fill credit-card information on some web browsers, and the threat of Apple Pay as ever more commerce shifts online. \n</p>\n<p>\n  \"It is an understatement to say that the payments landscape is rapidly evolving with many powerful trends emerging,\" Rawat said in her note to clients. \"While PayPal is actively investing and evolving, it simply has more turf to defend versus peers in our view.\" \n</p>\n<p>\n  Rawat acknowledged that her thesis could prove incorrect if PayPal delivers upbeat surprises with its efforts to drive more revenue from its Venmo app and its \"superapp\" redesign that focuses on features beyond just payments. \n</p>\n<p>\n  \"After years of false starts, we believe Venmo is finally on the cusp of getting monetized,\" she wrote. While Rawat has \"historically been skeptical of aggressive monetization estimates for Venmo,\" she feels more \"constructive\" now. \"Venmo monetization is now less about following the PayPal playbook and more about following Cash App's journey,\" she wrote, referencing Square Inc.'s <a href=\"https://laohu8.com/S/SQ\">$(SQ)$</a> mobile wallet. \n</p>\n<p>\n  Shares of PayPal have declined 20% over the past three months as the S&amp;P 500  has risen about 6%. \n</p>\n<p>\n  -Emily Bary \n</p>\n<pre>\n \n</pre>\n<p>\n  <a href=\"https://laohu8.com/S/END\">$(END)$</a> Dow Jones Newswires\n</p>\n<p>\n  November 17, 2021 09:40 ET (14:40 GMT)\n</p>\n<p>\n  Copyright (c) 2021 Dow Jones &amp; Company, Inc.\n</p>\n</font></body></html>","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>PayPal 'now risks getting disrupted' by competitors, analyst says in downgrade</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\">\nPayPal 'now risks getting disrupted' by competitors, analyst says in downgrade\n</h2>\n\n<h4 class=\"meta\">\n\n\n<div class=\"head\" \">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Dow Jones </p>\n<p class=\"h-time\">2021-11-17 22:40</p>\n</div>\n\n</div>\n\n\n</h4>\n\n</header>\n<article>\n<html><body><font class=\"NormalMinus1\" face=\"Arial\">\n<p>\nMW <a href=\"https://laohu8.com/S/PYPL\">PayPal</a> 'now risks getting disrupted' by competitors, analyst says in downgrade\n</p>\n<p>\n  By Emily Bary \n</p>\n<p>\n  PayPal faces competitive pressures from Shopify, BNPL services, and elsewhere, according to Bernstein \n</p>\n<p>\n  PayPal Holdings Inc. has a reputation for disrupting the payments ecosystem, but it \"now risks getting disrupted\" itself, according to an analyst. \n</p>\n<p>\n  Bernstein's Harshita Rawat downgraded the stock to market perform from outperform Wednesday, citing various competitive pressures for the digital payments giant. Shares of PayPal (PYPL) are off 2.5% in premarket trading. \n</p>\n<p>\n  Rawat worries about the \"increasing aggregation\" of e-commerce activity on large platforms like Amazon.com Inc. <a href=\"https://laohu8.com/S/AMZN\">$(AMZN)$</a> and <a href=\"https://laohu8.com/S/SHOP\">Shopify Inc</a>. (SHOP.T), which she estimates are together responsible for about 32% of U.S. commerce. \n</p>\n<p>\n  \"Amazon currently doesn't accept PayPal and just agreed to accept Venmo starting in 2022,\" she wrote. \"Shopify has ambitions of creating its own payments business and has been pushing its merchants aggressively to convert to Shopify payments platform (and also towards the Shop Pay button).\" \n</p>\n<p>\n  Smaller merchants \"are PayPal's bread and butter, and Shopify's meteoric rise and push towards its own payments platform is particularly problematic,\" Rawat continued. PayPal's transaction economics are better with smaller businesses than with very large ones, she argued. Shopify Inc. represents an \"unassailable competitor\" when it comes to the small-business demographic, in her view. \n</p>\n<p>\n  Rawat is also concerned that PayPal's market-share gains will slow. The company has typically won share at the expense of manual card entry onto a website, but fewer consumers are entering their card information this way, she said, meaning there is less available land to grab there. She estimates that manual card entry now accounts for about 20% of e-commerce checkout, down from roughly 33% four years back. \n</p>\n<p>\n  More broadly, she thinks that share gains could slow \"by a thousand cuts\" thanks to the rise of a number of technologies that separately eat away at opportunities for PayPal. These include the growth of buy-now pay-later (BNPL) services, the ability to auto-fill credit-card information on some web browsers, and the threat of Apple Pay as ever more commerce shifts online. \n</p>\n<p>\n  \"It is an understatement to say that the payments landscape is rapidly evolving with many powerful trends emerging,\" Rawat said in her note to clients. \"While PayPal is actively investing and evolving, it simply has more turf to defend versus peers in our view.\" \n</p>\n<p>\n  Rawat acknowledged that her thesis could prove incorrect if PayPal delivers upbeat surprises with its efforts to drive more revenue from its Venmo app and its \"superapp\" redesign that focuses on features beyond just payments. \n</p>\n<p>\n  \"After years of false starts, we believe Venmo is finally on the cusp of getting monetized,\" she wrote. While Rawat has \"historically been skeptical of aggressive monetization estimates for Venmo,\" she feels more \"constructive\" now. \"Venmo monetization is now less about following the PayPal playbook and more about following Cash App's journey,\" she wrote, referencing Square Inc.'s <a href=\"https://laohu8.com/S/SQ\">$(SQ)$</a> mobile wallet. \n</p>\n<p>\n  Shares of PayPal have declined 20% over the past three months as the S&amp;P 500  has risen about 6%. \n</p>\n<p>\n  -Emily Bary \n</p>\n<pre>\n \n</pre>\n<p>\n  <a href=\"https://laohu8.com/S/END\">$(END)$</a> Dow Jones Newswires\n</p>\n<p>\n  November 17, 2021 09:40 ET (14:40 GMT)\n</p>\n<p>\n  Copyright (c) 2021 Dow Jones &amp; Company, Inc.\n</p>\n</font></body></html>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BK4554":"元宇宙及AR概念","BK4566":"资本集团","BK4106":"数据处理与外包服务","PYPL":"PayPal","BK4551":"寇图资本持仓","BK4524":"宅经济概念","BK4535":"淡马锡持仓","SHOP":"Shopify Inc","BK4534":"瑞士信贷持仓","BK4527":"明星科技股","BK4533":"AQR资本管理(全球第二大对冲基金)"},"source_url":"http://dowjonesnews.com/newdjn/logon.aspx?AL=N","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2184853381","content_text":"MW PayPal 'now risks getting disrupted' by competitors, analyst says in downgrade\n\n\n  By Emily Bary \n\n\n  PayPal faces competitive pressures from Shopify, BNPL services, and elsewhere, according to Bernstein \n\n\n  PayPal Holdings Inc. has a reputation for disrupting the payments ecosystem, but it \"now risks getting disrupted\" itself, according to an analyst. \n\n\n  Bernstein's Harshita Rawat downgraded the stock to market perform from outperform Wednesday, citing various competitive pressures for the digital payments giant. Shares of PayPal (PYPL) are off 2.5% in premarket trading. \n\n\n  Rawat worries about the \"increasing aggregation\" of e-commerce activity on large platforms like Amazon.com Inc. $(AMZN)$ and Shopify Inc. (SHOP.T), which she estimates are together responsible for about 32% of U.S. commerce. \n\n\n  \"Amazon currently doesn't accept PayPal and just agreed to accept Venmo starting in 2022,\" she wrote. \"Shopify has ambitions of creating its own payments business and has been pushing its merchants aggressively to convert to Shopify payments platform (and also towards the Shop Pay button).\" \n\n\n  Smaller merchants \"are PayPal's bread and butter, and Shopify's meteoric rise and push towards its own payments platform is particularly problematic,\" Rawat continued. PayPal's transaction economics are better with smaller businesses than with very large ones, she argued. Shopify Inc. represents an \"unassailable competitor\" when it comes to the small-business demographic, in her view. \n\n\n  Rawat is also concerned that PayPal's market-share gains will slow. The company has typically won share at the expense of manual card entry onto a website, but fewer consumers are entering their card information this way, she said, meaning there is less available land to grab there. She estimates that manual card entry now accounts for about 20% of e-commerce checkout, down from roughly 33% four years back. \n\n\n  More broadly, she thinks that share gains could slow \"by a thousand cuts\" thanks to the rise of a number of technologies that separately eat away at opportunities for PayPal. These include the growth of buy-now pay-later (BNPL) services, the ability to auto-fill credit-card information on some web browsers, and the threat of Apple Pay as ever more commerce shifts online. \n\n\n  \"It is an understatement to say that the payments landscape is rapidly evolving with many powerful trends emerging,\" Rawat said in her note to clients. \"While PayPal is actively investing and evolving, it simply has more turf to defend versus peers in our view.\" \n\n\n  Rawat acknowledged that her thesis could prove incorrect if PayPal delivers upbeat surprises with its efforts to drive more revenue from its Venmo app and its \"superapp\" redesign that focuses on features beyond just payments. \n\n\n  \"After years of false starts, we believe Venmo is finally on the cusp of getting monetized,\" she wrote. While Rawat has \"historically been skeptical of aggressive monetization estimates for Venmo,\" she feels more \"constructive\" now. \"Venmo monetization is now less about following the PayPal playbook and more about following Cash App's journey,\" she wrote, referencing Square Inc.'s $(SQ)$ mobile wallet. \n\n\n  Shares of PayPal have declined 20% over the past three months as the S&P 500  has risen about 6%. \n\n\n  -Emily Bary \n\n\n \n\n\n$(END)$ Dow Jones Newswires\n\n\n  November 17, 2021 09:40 ET (14:40 GMT)\n\n\n  Copyright (c) 2021 Dow Jones & Company, Inc.","news_type":1},"isVote":1,"tweetType":1,"viewCount":488,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":829622934,"gmtCreate":1633502257091,"gmtModify":1633502257205,"author":{"id":"3575085237839408","authorId":"3575085237839408","name":"KokTong","avatar":"https://static.tigerbbs.com/02f7e5a5dfae2a5a3102418ad5bfc1dd","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false},"themes":[],"htmlText":"nice","listText":"nice","text":"nice","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/829622934","repostId":"1123518290","repostType":4,"repost":{"id":"1123518290","pubTimestamp":1633480169,"share":"https://www.laohu8.com/m/news/1123518290?lang=&edition=full","pubTime":"2021-10-06 08:29","market":"us","language":"en","title":"For your shopping list: These big tech stocks have dropped as much as 20% over the past month","url":"https://stock-news.laohu8.com/highlight/detail?id=1123518290","media":"MarketWatch","summary":"Hard-hit tech stocks include DocuSign, Adobe, Nvidia and Facebook\nShares of these four tech-oriented","content":"<p>Hard-hit tech stocks include DocuSign, Adobe, Nvidia and Facebook</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/98172a45c8b5e404160f18d08070a602\" tg-width=\"700\" tg-height=\"487\" referrerpolicy=\"no-referrer\"><span>Shares of these four tech-oriented companies have dropped between 16% and 20% over the past month.</span></p>\n<p>Technology stocks have slumped. What investors never know is how long it will take for the inevitable sector reversal.</p>\n<p>A list of the worst-performing technology stocks over the past month among the S&amp;P 500 Index&nbsp;and the Nasdaq 100 Index&nbsp;is below.</p>\n<p>Here’s how the 11 sectors of the S&amp;P 500 Index have performed over the past month, excluding dividends:</p>\n<p><img src=\"https://static.tigerbbs.com/c8f5d4fa7bb043e7fcc06892e36975c0\" tg-width=\"1093\" tg-height=\"689\" referrerpolicy=\"no-referrer\"></p>\n<p>All in all, 2021 has been a fine year for stock market performance, especially when considering that it has followed what turned out to be a good 2020 for most sectors. The technology sector was the third-worst-performing sector from Sept. 3 through Oct. 4, but it has been the clear leader from the end of 2019 through the Covid-19 pandemic.</p>\n<p>Wedbush analyst Dan Ives attributed the pullback in technology stocks to the fear of rising interest rates and concern over growth-stock valuations in a note to clients on Oct. 5. He went on to predict the pressure on tech stocks would be “short-lived” and that the sector would be up 10% from here through the end of 2021.</p>\n<p>“[T]he tech growth stories are being massively underestimated by the Street in&nbsp;our opinion with 3Q earnings a major positive catalyst for the tech sector looking&nbsp;ahead,” Ives wrote.</p>\n<p>The overwhelming tendency for companies reporting quarterly results to beat analysts’ consensus estimates may well turn the analyst’s prediction into reality in only a few weeks.</p>\n<p>Ives sees a “multitrillion opportunity for the next decade” as the digital transformation of multiple industries continues. His favorite investments include Apple Inc.&nbsp;among the FAANG stocks. For plays on cloud computing, his favorites among large-cap stocks are Microsoft Corp.&nbsp;and DocuSign Inc.Among large-cap companies poised for the best growth as cybersecurity threats are dealt with, Ives’s top recommendations are Zscaler Inc.,Palo Alto Networks Inc.&nbsp;and Fortinet Inc..</p>\n<p><b>Biggest large-cap tech drops over the past month</b></p>\n<p>To list tech stocks, we began with the S&amp;P 500 information technology sector and then added tech-oriented names in other sectors, such as Facebook Inc.,Twitter Inc.&nbsp;and videogame developers in the communications sector and Amazon.com Inc.&nbsp;in the consumer discretionary sector. We then added tech companies in the Nasdaq-100 that aren’t included in the S&amp;P 500.</p>\n<p>From this expanded list of 105 tech stocks, here are the 20 worst performers from Sept. 3 through Oct. 4:</p>\n<p><img src=\"https://static.tigerbbs.com/d705f2cc5483edcc3d71a32588491010\" tg-width=\"781\" tg-height=\"853\" referrerpolicy=\"no-referrer\"></p>\n<p>Leaving the group of 20 tech stocks in the same order, here’s a summary of opinion among Wall Street analysts polled by FactSet:</p>\n<p><img src=\"https://static.tigerbbs.com/b5ff770f5711640a821e1075b09979d2\" tg-width=\"790\" tg-height=\"842\" referrerpolicy=\"no-referrer\"></p>","source":"lsy1603348471595","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>For your shopping list: These big tech stocks have dropped as much as 20% over the past month</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\">\nFor your shopping list: These big tech stocks have dropped as much as 20% over the past month\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-10-06 08:29 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.marketwatch.com/story/for-your-shopping-list-these-big-tech-stocks-have-dropped-as-much-as-20-over-the-past-month-11633442943?mod=home-page><strong>MarketWatch</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Hard-hit tech stocks include DocuSign, Adobe, Nvidia and Facebook\nShares of these four tech-oriented companies have dropped between 16% and 20% over the past month.\nTechnology stocks have slumped. ...</p>\n\n<a href=\"https://www.marketwatch.com/story/for-your-shopping-list-these-big-tech-stocks-have-dropped-as-much-as-20-over-the-past-month-11633442943?mod=home-page\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"ZM":"Zoom","PTON":"Peloton Interactive, Inc.","JD":"京东","ADBE":"Adobe","ENPH":"Enphase Energy",".DJI":"道琼斯","NVDA":"英伟达","QCOM":"高通","PYPL":"PayPal",".IXIC":"NASDAQ Composite","PDD":"拼多多",".SPX":"S&P 500 Index","MELI":"MercadoLibre","AAPL":"苹果","DOCU":"Docusign","OKTA":"Okta Inc.","CRWD":"CrowdStrike Holdings, Inc."},"source_url":"https://www.marketwatch.com/story/for-your-shopping-list-these-big-tech-stocks-have-dropped-as-much-as-20-over-the-past-month-11633442943?mod=home-page","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1123518290","content_text":"Hard-hit tech stocks include DocuSign, Adobe, Nvidia and Facebook\nShares of these four tech-oriented companies have dropped between 16% and 20% over the past month.\nTechnology stocks have slumped. What investors never know is how long it will take for the inevitable sector reversal.\nA list of the worst-performing technology stocks over the past month among the S&P 500 Index and the Nasdaq 100 Index is below.\nHere’s how the 11 sectors of the S&P 500 Index have performed over the past month, excluding dividends:\n\nAll in all, 2021 has been a fine year for stock market performance, especially when considering that it has followed what turned out to be a good 2020 for most sectors. The technology sector was the third-worst-performing sector from Sept. 3 through Oct. 4, but it has been the clear leader from the end of 2019 through the Covid-19 pandemic.\nWedbush analyst Dan Ives attributed the pullback in technology stocks to the fear of rising interest rates and concern over growth-stock valuations in a note to clients on Oct. 5. He went on to predict the pressure on tech stocks would be “short-lived” and that the sector would be up 10% from here through the end of 2021.\n“[T]he tech growth stories are being massively underestimated by the Street in our opinion with 3Q earnings a major positive catalyst for the tech sector looking ahead,” Ives wrote.\nThe overwhelming tendency for companies reporting quarterly results to beat analysts’ consensus estimates may well turn the analyst’s prediction into reality in only a few weeks.\nIves sees a “multitrillion opportunity for the next decade” as the digital transformation of multiple industries continues. His favorite investments include Apple Inc. among the FAANG stocks. For plays on cloud computing, his favorites among large-cap stocks are Microsoft Corp. and DocuSign Inc.Among large-cap companies poised for the best growth as cybersecurity threats are dealt with, Ives’s top recommendations are Zscaler Inc.,Palo Alto Networks Inc. and Fortinet Inc..\nBiggest large-cap tech drops over the past month\nTo list tech stocks, we began with the S&P 500 information technology sector and then added tech-oriented names in other sectors, such as Facebook Inc.,Twitter Inc. and videogame developers in the communications sector and Amazon.com Inc. in the consumer discretionary sector. We then added tech companies in the Nasdaq-100 that aren’t included in the S&P 500.\nFrom this expanded list of 105 tech stocks, here are the 20 worst performers from Sept. 3 through Oct. 4:\n\nLeaving the group of 20 tech stocks in the same order, here’s a summary of opinion among Wall Street analysts polled by FactSet:","news_type":1},"isVote":1,"tweetType":1,"viewCount":437,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":861860842,"gmtCreate":1632483294186,"gmtModify":1632719131438,"author":{"id":"3575085237839408","authorId":"3575085237839408","name":"KokTong","avatar":"https://static.tigerbbs.com/02f7e5a5dfae2a5a3102418ad5bfc1dd","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false},"themes":[],"htmlText":"i see","listText":"i see","text":"i see","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/861860842","repostId":"2169061852","repostType":4,"repost":{"id":"2169061852","pubTimestamp":1632482460,"share":"https://www.laohu8.com/m/news/2169061852?lang=&edition=full","pubTime":"2021-09-24 19:21","market":"us","language":"en","title":"2 Promising Growth Stocks to Buy Before 2022","url":"https://stock-news.laohu8.com/highlight/detail?id=2169061852","media":"Motley Fool","summary":"Although they've been generating strong numbers in 2021, next year these businesses should do even better.","content":"<p>As 2021 enters the final quarter, now may be a good time for investors to look ahead to which stocks to pick up heading into the new year. And there are a couple of good sectors to focus on, including two that are continuing to expand: marijuana and sports betting. Both of these industries are growing in size as states continue to lift legal restrictions relating to their operations, making now an exciting time to invest in them.</p>\n<p>Two stocks that can give you some terrific exposure to these industries are&nbsp;<b>MariMed </b>(OTC:MRMD) and&nbsp;<b>DraftKings&nbsp;</b>(NASDAQ:DKNG). There are plenty of opportunities ahead for these companies that should make them incredibly attractive to growth-oriented investors.</p>\n<p><img src=\"https://static.tigerbbs.com/b95ffbd5e8f4fe1327122b84239d17a0\" tg-width=\"700\" tg-height=\"466\" referrerpolicy=\"no-referrer\"></p>\n<p>Image source: Getty Images.</p>\n<h3>1. MariMed</h3>\n<p>Marijuana producer MariMed is a bit of an under-the-radar cannabis stock. Although the company has been delivering some strong growth numbers, it still trades at a price-to-sales multiple of 4.2 -- lower than those of larger multi-state operators, <b>Trulieve Cannabis</b> and&nbsp;<b>Curaleaf Holdings</b>, who trade at 4.6 and 7.5 times their revenue, respectively.</p>\n<p>And while it may not be as large as those companies (both of which are likely to generate $1 billion in revenue next year), the business is expanding and growing at a rapid pace. For the period ending June 30, MariMed reported revenue of $32.6 million which grew by 239% year over year. For 2021, the company expects to report $118 million in revenue and earnings before interest, taxes, depreciation, and amortization (EBITDA) of $32 million as it continues to focus on expanding in top markets such as Massachusetts and Illinois, where marijuana is legal for both recreational and medicinal use (it also has dispensaries in Delaware and Maryland). &nbsp;And MariMed is also looking at expanding its footprint into other legal cannabis states, potentially via mergers and acquisitions, which could send its revenue even higher.</p>\n<p>The business has also reported $20 million in cash from its operating activities and $10 million in free cash flow (which is after factoring in investments into plant, property, and equipment). Many marijuana businesses burn through cash, but MariMed doesn't fall into that category. That could go a long way in helping it fund its own growth (and pay for acquisitions) rather than having to rely on frequent share issues, which means lots of dilution for shareholders.</p>\n<p>As MariMed continues to expand and become a larger multi-state operator, investors will likely start paying more of a premium for its shares -- especially if its bottom line and cash flow remain strong. Although shares of MariMed are up over 460% in the past 12 months, given its relatively low valuation and the opportunity for it to expand into many more states, cannabis investors can still earn a great return from this stock if they buy it today.</p>\n<h3>2. DraftKings</h3>\n<p>Entertainment and gambling company DraftKings is another stock to watch. Sports betting is on the rise in the U.S. as states continue to legalize it and that means more opportunities for the business. Florida, for instance, passed legislation earlier this year for sports gambling and it is set to become legal next month.</p>\n<p>More than two dozen states have either legalized or recently passed bills to permit sports betting. There are some key states, including California and Massachusetts, where it remains illegal -- although bills have been introduced this year to push legislation forward in both of those states.</p>\n<p>In the meantime, DraftKings continues to launch its sportsbook in more states, with the latest being Arizona (its 14th). The company's fantasy sports product -- which doesn't require the legalization of sports betting -- is in 44 states. Over the past two quarters, the company has brought in $610 million in revenue, more than three times the $188 million it reported a year earlier.</p>\n<p>And in addition to organic growth, the company will also get a boost next year from its recent all-stock acquisition of sports entertainment company <b>Golden Nugget Online Gaming</b>, which will expand its reach to even more customers. Golden Nugget generated $107 million over its last four quarters and was profitable (DraftKings has incurred losses totaling $903 million in the trailing 12 months). The companies expect the deal to close in the first quarter of next year.</p>\n<p>Between more markets potentially opening up, the inclusion of Golden Nugget in its results, and sports leagues looking to enjoy full seasons after a pandemic year in 2020, now may be an opportune time to buy DraftKings stock, as 2022 is likely to be another record-breaking year for the company.</p>","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>2 Promising Growth Stocks to Buy Before 2022</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\">\n2 Promising Growth Stocks to Buy Before 2022\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-09-24 19:21 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/09/24/2-promising-growth-stocks-to-buy-before-2022/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>As 2021 enters the final quarter, now may be a good time for investors to look ahead to which stocks to pick up heading into the new year. And there are a couple of good sectors to focus on, including...</p>\n\n<a href=\"https://www.fool.com/investing/2021/09/24/2-promising-growth-stocks-to-buy-before-2022/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"DKNG":"DraftKings Inc.","MRMD":"MariMed Inc."},"source_url":"https://www.fool.com/investing/2021/09/24/2-promising-growth-stocks-to-buy-before-2022/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2169061852","content_text":"As 2021 enters the final quarter, now may be a good time for investors to look ahead to which stocks to pick up heading into the new year. And there are a couple of good sectors to focus on, including two that are continuing to expand: marijuana and sports betting. Both of these industries are growing in size as states continue to lift legal restrictions relating to their operations, making now an exciting time to invest in them.\nTwo stocks that can give you some terrific exposure to these industries are MariMed (OTC:MRMD) and DraftKings (NASDAQ:DKNG). There are plenty of opportunities ahead for these companies that should make them incredibly attractive to growth-oriented investors.\n\nImage source: Getty Images.\n1. MariMed\nMarijuana producer MariMed is a bit of an under-the-radar cannabis stock. Although the company has been delivering some strong growth numbers, it still trades at a price-to-sales multiple of 4.2 -- lower than those of larger multi-state operators, Trulieve Cannabis and Curaleaf Holdings, who trade at 4.6 and 7.5 times their revenue, respectively.\nAnd while it may not be as large as those companies (both of which are likely to generate $1 billion in revenue next year), the business is expanding and growing at a rapid pace. For the period ending June 30, MariMed reported revenue of $32.6 million which grew by 239% year over year. For 2021, the company expects to report $118 million in revenue and earnings before interest, taxes, depreciation, and amortization (EBITDA) of $32 million as it continues to focus on expanding in top markets such as Massachusetts and Illinois, where marijuana is legal for both recreational and medicinal use (it also has dispensaries in Delaware and Maryland).  And MariMed is also looking at expanding its footprint into other legal cannabis states, potentially via mergers and acquisitions, which could send its revenue even higher.\nThe business has also reported $20 million in cash from its operating activities and $10 million in free cash flow (which is after factoring in investments into plant, property, and equipment). Many marijuana businesses burn through cash, but MariMed doesn't fall into that category. That could go a long way in helping it fund its own growth (and pay for acquisitions) rather than having to rely on frequent share issues, which means lots of dilution for shareholders.\nAs MariMed continues to expand and become a larger multi-state operator, investors will likely start paying more of a premium for its shares -- especially if its bottom line and cash flow remain strong. Although shares of MariMed are up over 460% in the past 12 months, given its relatively low valuation and the opportunity for it to expand into many more states, cannabis investors can still earn a great return from this stock if they buy it today.\n2. DraftKings\nEntertainment and gambling company DraftKings is another stock to watch. Sports betting is on the rise in the U.S. as states continue to legalize it and that means more opportunities for the business. Florida, for instance, passed legislation earlier this year for sports gambling and it is set to become legal next month.\nMore than two dozen states have either legalized or recently passed bills to permit sports betting. There are some key states, including California and Massachusetts, where it remains illegal -- although bills have been introduced this year to push legislation forward in both of those states.\nIn the meantime, DraftKings continues to launch its sportsbook in more states, with the latest being Arizona (its 14th). The company's fantasy sports product -- which doesn't require the legalization of sports betting -- is in 44 states. Over the past two quarters, the company has brought in $610 million in revenue, more than three times the $188 million it reported a year earlier.\nAnd in addition to organic growth, the company will also get a boost next year from its recent all-stock acquisition of sports entertainment company Golden Nugget Online Gaming, which will expand its reach to even more customers. Golden Nugget generated $107 million over its last four quarters and was profitable (DraftKings has incurred losses totaling $903 million in the trailing 12 months). The companies expect the deal to close in the first quarter of next year.\nBetween more markets potentially opening up, the inclusion of Golden Nugget in its results, and sports leagues looking to enjoy full seasons after a pandemic year in 2020, now may be an opportune time to buy DraftKings stock, as 2022 is likely to be another record-breaking year for the company.","news_type":1},"isVote":1,"tweetType":1,"viewCount":429,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0}],"hots":[{"id":861860842,"gmtCreate":1632483294186,"gmtModify":1632719131438,"author":{"id":"3575085237839408","authorId":"3575085237839408","name":"KokTong","avatar":"https://static.tigerbbs.com/02f7e5a5dfae2a5a3102418ad5bfc1dd","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false},"themes":[],"htmlText":"i see","listText":"i see","text":"i see","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":1,"repostSize":0,"link":"https://laohu8.com/post/861860842","repostId":"2169061852","repostType":4,"repost":{"id":"2169061852","pubTimestamp":1632482460,"share":"https://www.laohu8.com/m/news/2169061852?lang=&edition=full","pubTime":"2021-09-24 19:21","market":"us","language":"en","title":"2 Promising Growth Stocks to Buy Before 2022","url":"https://stock-news.laohu8.com/highlight/detail?id=2169061852","media":"Motley Fool","summary":"Although they've been generating strong numbers in 2021, next year these businesses should do even better.","content":"<p>As 2021 enters the final quarter, now may be a good time for investors to look ahead to which stocks to pick up heading into the new year. And there are a couple of good sectors to focus on, including two that are continuing to expand: marijuana and sports betting. Both of these industries are growing in size as states continue to lift legal restrictions relating to their operations, making now an exciting time to invest in them.</p>\n<p>Two stocks that can give you some terrific exposure to these industries are&nbsp;<b>MariMed </b>(OTC:MRMD) and&nbsp;<b>DraftKings&nbsp;</b>(NASDAQ:DKNG). There are plenty of opportunities ahead for these companies that should make them incredibly attractive to growth-oriented investors.</p>\n<p><img src=\"https://static.tigerbbs.com/b95ffbd5e8f4fe1327122b84239d17a0\" tg-width=\"700\" tg-height=\"466\" referrerpolicy=\"no-referrer\"></p>\n<p>Image source: Getty Images.</p>\n<h3>1. MariMed</h3>\n<p>Marijuana producer MariMed is a bit of an under-the-radar cannabis stock. Although the company has been delivering some strong growth numbers, it still trades at a price-to-sales multiple of 4.2 -- lower than those of larger multi-state operators, <b>Trulieve Cannabis</b> and&nbsp;<b>Curaleaf Holdings</b>, who trade at 4.6 and 7.5 times their revenue, respectively.</p>\n<p>And while it may not be as large as those companies (both of which are likely to generate $1 billion in revenue next year), the business is expanding and growing at a rapid pace. For the period ending June 30, MariMed reported revenue of $32.6 million which grew by 239% year over year. For 2021, the company expects to report $118 million in revenue and earnings before interest, taxes, depreciation, and amortization (EBITDA) of $32 million as it continues to focus on expanding in top markets such as Massachusetts and Illinois, where marijuana is legal for both recreational and medicinal use (it also has dispensaries in Delaware and Maryland). &nbsp;And MariMed is also looking at expanding its footprint into other legal cannabis states, potentially via mergers and acquisitions, which could send its revenue even higher.</p>\n<p>The business has also reported $20 million in cash from its operating activities and $10 million in free cash flow (which is after factoring in investments into plant, property, and equipment). Many marijuana businesses burn through cash, but MariMed doesn't fall into that category. That could go a long way in helping it fund its own growth (and pay for acquisitions) rather than having to rely on frequent share issues, which means lots of dilution for shareholders.</p>\n<p>As MariMed continues to expand and become a larger multi-state operator, investors will likely start paying more of a premium for its shares -- especially if its bottom line and cash flow remain strong. Although shares of MariMed are up over 460% in the past 12 months, given its relatively low valuation and the opportunity for it to expand into many more states, cannabis investors can still earn a great return from this stock if they buy it today.</p>\n<h3>2. DraftKings</h3>\n<p>Entertainment and gambling company DraftKings is another stock to watch. Sports betting is on the rise in the U.S. as states continue to legalize it and that means more opportunities for the business. Florida, for instance, passed legislation earlier this year for sports gambling and it is set to become legal next month.</p>\n<p>More than two dozen states have either legalized or recently passed bills to permit sports betting. There are some key states, including California and Massachusetts, where it remains illegal -- although bills have been introduced this year to push legislation forward in both of those states.</p>\n<p>In the meantime, DraftKings continues to launch its sportsbook in more states, with the latest being Arizona (its 14th). The company's fantasy sports product -- which doesn't require the legalization of sports betting -- is in 44 states. Over the past two quarters, the company has brought in $610 million in revenue, more than three times the $188 million it reported a year earlier.</p>\n<p>And in addition to organic growth, the company will also get a boost next year from its recent all-stock acquisition of sports entertainment company <b>Golden Nugget Online Gaming</b>, which will expand its reach to even more customers. Golden Nugget generated $107 million over its last four quarters and was profitable (DraftKings has incurred losses totaling $903 million in the trailing 12 months). The companies expect the deal to close in the first quarter of next year.</p>\n<p>Between more markets potentially opening up, the inclusion of Golden Nugget in its results, and sports leagues looking to enjoy full seasons after a pandemic year in 2020, now may be an opportune time to buy DraftKings stock, as 2022 is likely to be another record-breaking year for the company.</p>","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>2 Promising Growth Stocks to Buy Before 2022</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\">\n2 Promising Growth Stocks to Buy Before 2022\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-09-24 19:21 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/09/24/2-promising-growth-stocks-to-buy-before-2022/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>As 2021 enters the final quarter, now may be a good time for investors to look ahead to which stocks to pick up heading into the new year. And there are a couple of good sectors to focus on, including...</p>\n\n<a href=\"https://www.fool.com/investing/2021/09/24/2-promising-growth-stocks-to-buy-before-2022/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"DKNG":"DraftKings Inc.","MRMD":"MariMed Inc."},"source_url":"https://www.fool.com/investing/2021/09/24/2-promising-growth-stocks-to-buy-before-2022/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2169061852","content_text":"As 2021 enters the final quarter, now may be a good time for investors to look ahead to which stocks to pick up heading into the new year. And there are a couple of good sectors to focus on, including two that are continuing to expand: marijuana and sports betting. Both of these industries are growing in size as states continue to lift legal restrictions relating to their operations, making now an exciting time to invest in them.\nTwo stocks that can give you some terrific exposure to these industries are MariMed (OTC:MRMD) and DraftKings (NASDAQ:DKNG). There are plenty of opportunities ahead for these companies that should make them incredibly attractive to growth-oriented investors.\n\nImage source: Getty Images.\n1. MariMed\nMarijuana producer MariMed is a bit of an under-the-radar cannabis stock. Although the company has been delivering some strong growth numbers, it still trades at a price-to-sales multiple of 4.2 -- lower than those of larger multi-state operators, Trulieve Cannabis and Curaleaf Holdings, who trade at 4.6 and 7.5 times their revenue, respectively.\nAnd while it may not be as large as those companies (both of which are likely to generate $1 billion in revenue next year), the business is expanding and growing at a rapid pace. For the period ending June 30, MariMed reported revenue of $32.6 million which grew by 239% year over year. For 2021, the company expects to report $118 million in revenue and earnings before interest, taxes, depreciation, and amortization (EBITDA) of $32 million as it continues to focus on expanding in top markets such as Massachusetts and Illinois, where marijuana is legal for both recreational and medicinal use (it also has dispensaries in Delaware and Maryland).  And MariMed is also looking at expanding its footprint into other legal cannabis states, potentially via mergers and acquisitions, which could send its revenue even higher.\nThe business has also reported $20 million in cash from its operating activities and $10 million in free cash flow (which is after factoring in investments into plant, property, and equipment). Many marijuana businesses burn through cash, but MariMed doesn't fall into that category. That could go a long way in helping it fund its own growth (and pay for acquisitions) rather than having to rely on frequent share issues, which means lots of dilution for shareholders.\nAs MariMed continues to expand and become a larger multi-state operator, investors will likely start paying more of a premium for its shares -- especially if its bottom line and cash flow remain strong. Although shares of MariMed are up over 460% in the past 12 months, given its relatively low valuation and the opportunity for it to expand into many more states, cannabis investors can still earn a great return from this stock if they buy it today.\n2. DraftKings\nEntertainment and gambling company DraftKings is another stock to watch. Sports betting is on the rise in the U.S. as states continue to legalize it and that means more opportunities for the business. Florida, for instance, passed legislation earlier this year for sports gambling and it is set to become legal next month.\nMore than two dozen states have either legalized or recently passed bills to permit sports betting. There are some key states, including California and Massachusetts, where it remains illegal -- although bills have been introduced this year to push legislation forward in both of those states.\nIn the meantime, DraftKings continues to launch its sportsbook in more states, with the latest being Arizona (its 14th). The company's fantasy sports product -- which doesn't require the legalization of sports betting -- is in 44 states. Over the past two quarters, the company has brought in $610 million in revenue, more than three times the $188 million it reported a year earlier.\nAnd in addition to organic growth, the company will also get a boost next year from its recent all-stock acquisition of sports entertainment company Golden Nugget Online Gaming, which will expand its reach to even more customers. Golden Nugget generated $107 million over its last four quarters and was profitable (DraftKings has incurred losses totaling $903 million in the trailing 12 months). The companies expect the deal to close in the first quarter of next year.\nBetween more markets potentially opening up, the inclusion of Golden Nugget in its results, and sports leagues looking to enjoy full seasons after a pandemic year in 2020, now may be an opportune time to buy DraftKings stock, as 2022 is likely to be another record-breaking year for the company.","news_type":1},"isVote":1,"tweetType":1,"viewCount":429,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":698881920,"gmtCreate":1640339557063,"gmtModify":1640339557063,"author":{"id":"3575085237839408","authorId":"3575085237839408","name":"KokTong","avatar":"https://static.tigerbbs.com/02f7e5a5dfae2a5a3102418ad5bfc1dd","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false},"themes":[],"htmlText":"up","listText":"up","text":"up","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/698881920","repostId":"1153187365","repostType":4,"repost":{"id":"1153187365","pubTimestamp":1640333284,"share":"https://www.laohu8.com/m/news/1153187365?lang=&edition=full","pubTime":"2021-12-24 16:08","market":"us","language":"en","title":"Where Is SoFi Stock Headed In 2022?","url":"https://stock-news.laohu8.com/highlight/detail?id=1153187365","media":"seekingalpha","summary":"Summary\n\nSoFi stock has been battered recently due to headwinds facing FinTech stocks in general.\nTh","content":"<p><b>Summary</b></p>\n<ul>\n <li>SoFi stock has been battered recently due to headwinds facing FinTech stocks in general.</li>\n <li>The company is still in the early innings of its market opportunities. But, it already expects to report adjusted EBITDA profits for FY21.</li>\n <li>We discuss where SoFi stock is heading as we move towards 2022.</li>\n <li>I do much more than just articles at Ultimate Growth Investing: Members get access to model portfolios, regular updates, a chat room, and more.</li>\n</ul>\n<p><b>Investment Thesis</b></p>\n<p>SoFi Technologies, Inc. (SOFI) is an emerging leader among new FinTech players who are keen to disrupt the legacy players with their members-focused strategy. SoFi believes that legacy players don't focus on maximizing the lifetime value of their customers. Instead, they are focused on their short-term profit goals. However, SoFi endeavors to build its business model around its members, helping them achieve their goals. Therefore, the company has developed a vertically integrated platform that serves its members seamlessly. Consequently, SoFi has consistently reported strong product and members growth over time, validating its strategy. CEO Anthony Noto reminds us of SoFi's mission (edited):</p>\n<blockquote>\n Not only do we want to have a lifetime relationship with our members, but we want to be there for every major financial decision they have in their lives as well as all the days in between. And in order to do that, we need to help them get their money right. It means we have to help them borrow better, save better, spend better, protect better, invest better. (5th Annual Virtual Wells Fargo TMT Summit Conference)\n</blockquote>\n<p>SOFI stock has also been battered in the recent retracement. Therefore, the stock is now back to its key support level, despite reporting solid FQ3 results. Therefore, we believe that the stock could make its move higher as we head into 2022. In addition, we discuss whether it's apt for investors to add exposure now.</p>\n<p>Readers new to SoFi canrefer to our previous article as a primer.</p>\n<p><b>SOFI Stock YTD Performance</b></p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/3f2e6bfa68f54e73825fdd1f8dcbbe0e\" tg-width=\"1485\" tg-height=\"720\" width=\"100%\" height=\"auto\"><span>SOFI stock YTD performance (as of 22 December'21).</span></p>\n<p>Readers can quickly glean that SOFI stock's price volatility is not for the faint-hearted. The stock has seen at least three sharp upward momentum spikes throughout the year that sent the stock's YTD gains to 100% in February. However, the stock's mean-reversion tendencies continue to weigh on its upward momentum. Therefore, investors who added the stock at the highs might have suffered steep losses as the stock retraced. Moreover, its relatively&nbsp;high short percent of float at just under 10%throughout the year could also have contributed to its high volatility. Nevertheless, the stock has managed to keep itself within sight of the broad market leaders with a YTD gain of 20.5%.</p>\n<p><b>Strong Focus On Members Drive Consistent Product Growth</b></p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/fa7169dadeb5216b68c06991fdaa12b3\" tg-width=\"1022\" tg-height=\"629\" width=\"100%\" height=\"auto\"><span>SoFi average products per member. Data source: Company filings</span></p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/eb1ec47ef6a47a426dd4a0479ddab86a\" tg-width=\"1222\" tg-height=\"739\" width=\"100%\" height=\"auto\"><span>Sofi average products per member by segment. Data source: Company filings</span></p>\n<p>SoFi has clearly driven strong product adoption across its growing member base that reached 2.94M members in FQ3. It also added 377K members, which, according to SoFi, was its second-highest quarterly increase. Notably, its strong member-focused business model also drove its average products per member, which reached 1.45 in FQ3. We can also observe the strong growth in financial services products per member as seen above. Its highly profitable lending segment serves as its funnel to grow its still nascent financial services segment. It's a critical segment to drive engagement due to the core products involved, such as savings, investments, and spending-related products. Some readers may observe that the average lending products per member seem to be dropping. However, we think there's no cause for concern here as the company listed eight financial services products compared to just three lending products. Moreover, the lending products are also highly specific for meeting members' needs. For example, if you are not a student, you wouldn't be taking up a student loan. However, its financial services products are designed for all its members. Therefore, we should focus on the traction of its financial services segment to evaluate the strength of the adoption of its products.</p>\n<p>Moreover, the company strongly believes that its \"vertically-integrated\" technology platform is its key competitive advantage. It allows the company to deliver a seamless onboarding experience across various product lines for its customers. SoFi believes that its platform advantage will continue to help it extend the rapid adoption of its products across its growing member base. Noto articulated (edited):</p>\n<blockquote>\n <i>At a macro level, we have better technology.</i>We have the ability to use data because it's not siloed.\n <i>We're vertically integrated</i>. For many banks, their core banking technologies are still on-premise. In many cases, they're still siloed, and therefore, that silos the data and also real-time decisioning. You can't get to that ease of use and that functionality, if you have different data architectures and you have different core technologies. And so we definitely benefit from our technology approach and our data architecture. (5th Annual Virtual Wells Fargo TMT Summit Conference)\n</blockquote>\n<p>Strong Lending And Tech Segment Give SoFi Time To Build Up Its Financial Services Segment</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/c056c5d40607297814798de0f03d7b84\" tg-width=\"1231\" tg-height=\"744\" width=\"100%\" height=\"auto\"><span>SoFi FQ1-FQ3'21 adjusted revenue and adjusted contribution profit by segment. Data source: Company filings</span></p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/e1292224be26d73718a396ca582da342\" tg-width=\"1213\" tg-height=\"740\" width=\"100%\" height=\"auto\"><span>SoFi adjusted contribution margin by segment. Data source: Company filings</span></p>\n<p>SoFi has consistently telegraphed that it operates in a market with a massive TAM. The lending market easily extends into trillions of dollars. Therefore, the company believes that its lending opportunities are still in the early innings. Notably, it already operates a solidly profitable lending and technology segment, as we can observe above. Its lending segment continues to be its key revenue driver in 2021, and it has been growing rapidly. Notably, it's also highly profitable, as SoFi reported an adjusted contribution margin of 54.6% in FQ3'21. Its contribution margin has also remained consistent throughout the year, despite the headwinds faced in the student loans market. Therefore, we are confident that SoFi's diversified loans portfolio can sustain its lending segment. Importantly, it gives SoFi time and flexibility to expand its financial services segment that is still incurring significant losses. However, the company sees a \"500M FDIC accounts\" opportunity ready for disruption.</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/849389677e66c8c24557d73422702951\" tg-width=\"1062\" tg-height=\"649\" width=\"100%\" height=\"auto\"><span>SoFi adjusted EBITDA margins. Data source: Company filings</span></p>\n<p>The company focuses on what it calls a \"higher-end demographic, with a household income of above $100K.\" Therefore, it targets higher-quality members that it believes can significantly contribute to its product adoptions and revenue growth. Moreover, the company believes that it's on track to hit its 10M members target by focusing on its \"best-in-class\" products. Noto emphasized (edited):</p>\n<blockquote>\n \"\n <i>I would be really disappointed if we didn't achieve our 5-year plan that we laid out and getting to 10 million members</i>at SoFi and obviously more products than that. We're challenging ourselves to build a best-in-class product across four big macros, fast, selection, content, and convenience. Now those are pretty common adjectives, and they may not sound differentiated. But within each one, there is a ton of differentiation.\"\n</blockquote>\n<p>Moreover, we believe that the company is well-placed to build on its platform advantage in its fast-growing financial services segment. It can leverage its profitable lending segment despite incurring losses for now. Notably, the company has turned adjusted EBITDA profitable on a consolidated basis and is expected to maintain its profitability moving ahead.</p>\n<p>Nevertheless, two key risks may continue to impinge on its stock momentum in the near term. However, these risks are not new, and we don't expect them to be significant structural issues. President Biden just extended the student loan payment pause until 1 May'22. The Omicron variant has thrown a spanner in the works. But, we believe it only pushes back the restart of the repayment but is unlikely to be totally canceled. There is more than $1.6T of student debt outstanding, and the ramifications could be devastating. Notwithstanding, it's still a risk that we must highlight to readers.</p>\n<p>Moreover, therecent regulatory comments by FINRAand the SEC over restrictions to options trading could continue to affect sentiment around FinTech stocks like SoFi. Options trading has been very profitable for the market makers and brokerages like Robinhood (HOOD). Retail traders accounted for more than \"25% of total optionstrading activity\". Moreover, the average daily volume of total options contracts traded also rose 35% YoY to 39M, to the \"highest level ever.\" Since options trading comes with leverage, we believe that it's only prudent that regulators are evaluating the need to restrict the marketing of options trading. Investors who are not well-versed in options trading could have their portfolios decimated if their risk management was poor.</p>\n<p>However,SoFi has no exposure to options trading currently. Nevertheless, it might reduce the potential opportunity for SoFi if certain restrictions were implemented. However, there's no impact on its current estimates, and thus investors should not be unduly concerned. Therefore, any short-term headwinds or knee-jerk reaction to such concerns should be capitalized on by investors.</p>\n<p><b>So, Is SOFI Stock A Buy Now?</b></p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/7b3dcba281177d37e311accf244c9c19\" tg-width=\"1224\" tg-height=\"747\" width=\"100%\" height=\"auto\"><span>SoFi adjusted revenue and adjusted EBITDA margins. Data source: S&amp;P Capital IQ</span></p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/1dcec7448637c0257dd21f8abc415b9b\" tg-width=\"856\" tg-height=\"513\" width=\"100%\" height=\"auto\"><span>SOFI stock EV/NTM Revenue.</span></p>\n<p>SoFi's adjusted revenue is estimated to increase at a CAGR of 44.6% over the next two years. Notably, its estimated adjusted EBITDA margin is expected to grow to 20.4% from just 2.8% in FY21 (SoFi guided for 3%). Therefore, we believe that investors might see tremendous revenue and bottom-line growth in the next two years if SoFi continues to execute its strategy well. Nevertheless, the tailwinds supporting the growth in its lending segment must continue to underpin the momentum in its financial services segment.</p>\n<p>Moreover, SoFi stock is trading at an EV/NTM Revenue of 9.1x. The stock has also been strongly supported whenever its revenue multiple fell to around 9.2x. In addition, its stock is also testing a key support level that attracted a series of insider purchases in August.</p>\n<p>Therefore,<i>we reiterate our Buy rating on SOFI stock</i>. We believe the tailwinds driving its lending and financial services business are multi-year. Coupled with a potential bank charter in the works, SoFi stock is still very early in exploiting its market opportunities. However, we believe it's suitable for speculative investors only due to its volatility. In addition, we also encourage investors to add in phases.</p>","source":"seekingalpha","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>Where Is SoFi Stock Headed In 2022?</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\">\nWhere Is SoFi Stock Headed In 2022?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-12-24 16:08 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://seekingalpha.com/article/4476606-where-is-sofi-stock-headed-2022><strong>seekingalpha</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Summary\n\nSoFi stock has been battered recently due to headwinds facing FinTech stocks in general.\nThe company is still in the early innings of its market opportunities. But, it already expects to ...</p>\n\n<a href=\"https://seekingalpha.com/article/4476606-where-is-sofi-stock-headed-2022\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"SOFI":"SoFi Technologies Inc."},"source_url":"https://seekingalpha.com/article/4476606-where-is-sofi-stock-headed-2022","is_english":true,"share_image_url":"https://static.laohu8.com/5a36db9d73b4222bc376d24ccc48c8a4","article_id":"1153187365","content_text":"Summary\n\nSoFi stock has been battered recently due to headwinds facing FinTech stocks in general.\nThe company is still in the early innings of its market opportunities. But, it already expects to report adjusted EBITDA profits for FY21.\nWe discuss where SoFi stock is heading as we move towards 2022.\nI do much more than just articles at Ultimate Growth Investing: Members get access to model portfolios, regular updates, a chat room, and more.\n\nInvestment Thesis\nSoFi Technologies, Inc. (SOFI) is an emerging leader among new FinTech players who are keen to disrupt the legacy players with their members-focused strategy. SoFi believes that legacy players don't focus on maximizing the lifetime value of their customers. Instead, they are focused on their short-term profit goals. However, SoFi endeavors to build its business model around its members, helping them achieve their goals. Therefore, the company has developed a vertically integrated platform that serves its members seamlessly. Consequently, SoFi has consistently reported strong product and members growth over time, validating its strategy. CEO Anthony Noto reminds us of SoFi's mission (edited):\n\n Not only do we want to have a lifetime relationship with our members, but we want to be there for every major financial decision they have in their lives as well as all the days in between. And in order to do that, we need to help them get their money right. It means we have to help them borrow better, save better, spend better, protect better, invest better. (5th Annual Virtual Wells Fargo TMT Summit Conference)\n\nSOFI stock has also been battered in the recent retracement. Therefore, the stock is now back to its key support level, despite reporting solid FQ3 results. Therefore, we believe that the stock could make its move higher as we head into 2022. In addition, we discuss whether it's apt for investors to add exposure now.\nReaders new to SoFi canrefer to our previous article as a primer.\nSOFI Stock YTD Performance\nSOFI stock YTD performance (as of 22 December'21).\nReaders can quickly glean that SOFI stock's price volatility is not for the faint-hearted. The stock has seen at least three sharp upward momentum spikes throughout the year that sent the stock's YTD gains to 100% in February. However, the stock's mean-reversion tendencies continue to weigh on its upward momentum. Therefore, investors who added the stock at the highs might have suffered steep losses as the stock retraced. Moreover, its relatively high short percent of float at just under 10%throughout the year could also have contributed to its high volatility. Nevertheless, the stock has managed to keep itself within sight of the broad market leaders with a YTD gain of 20.5%.\nStrong Focus On Members Drive Consistent Product Growth\nSoFi average products per member. Data source: Company filings\nSofi average products per member by segment. Data source: Company filings\nSoFi has clearly driven strong product adoption across its growing member base that reached 2.94M members in FQ3. It also added 377K members, which, according to SoFi, was its second-highest quarterly increase. Notably, its strong member-focused business model also drove its average products per member, which reached 1.45 in FQ3. We can also observe the strong growth in financial services products per member as seen above. Its highly profitable lending segment serves as its funnel to grow its still nascent financial services segment. It's a critical segment to drive engagement due to the core products involved, such as savings, investments, and spending-related products. Some readers may observe that the average lending products per member seem to be dropping. However, we think there's no cause for concern here as the company listed eight financial services products compared to just three lending products. Moreover, the lending products are also highly specific for meeting members' needs. For example, if you are not a student, you wouldn't be taking up a student loan. However, its financial services products are designed for all its members. Therefore, we should focus on the traction of its financial services segment to evaluate the strength of the adoption of its products.\nMoreover, the company strongly believes that its \"vertically-integrated\" technology platform is its key competitive advantage. It allows the company to deliver a seamless onboarding experience across various product lines for its customers. SoFi believes that its platform advantage will continue to help it extend the rapid adoption of its products across its growing member base. Noto articulated (edited):\n\nAt a macro level, we have better technology.We have the ability to use data because it's not siloed.\n We're vertically integrated. For many banks, their core banking technologies are still on-premise. In many cases, they're still siloed, and therefore, that silos the data and also real-time decisioning. You can't get to that ease of use and that functionality, if you have different data architectures and you have different core technologies. And so we definitely benefit from our technology approach and our data architecture. (5th Annual Virtual Wells Fargo TMT Summit Conference)\n\nStrong Lending And Tech Segment Give SoFi Time To Build Up Its Financial Services Segment\nSoFi FQ1-FQ3'21 adjusted revenue and adjusted contribution profit by segment. Data source: Company filings\nSoFi adjusted contribution margin by segment. Data source: Company filings\nSoFi has consistently telegraphed that it operates in a market with a massive TAM. The lending market easily extends into trillions of dollars. Therefore, the company believes that its lending opportunities are still in the early innings. Notably, it already operates a solidly profitable lending and technology segment, as we can observe above. Its lending segment continues to be its key revenue driver in 2021, and it has been growing rapidly. Notably, it's also highly profitable, as SoFi reported an adjusted contribution margin of 54.6% in FQ3'21. Its contribution margin has also remained consistent throughout the year, despite the headwinds faced in the student loans market. Therefore, we are confident that SoFi's diversified loans portfolio can sustain its lending segment. Importantly, it gives SoFi time and flexibility to expand its financial services segment that is still incurring significant losses. However, the company sees a \"500M FDIC accounts\" opportunity ready for disruption.\nSoFi adjusted EBITDA margins. Data source: Company filings\nThe company focuses on what it calls a \"higher-end demographic, with a household income of above $100K.\" Therefore, it targets higher-quality members that it believes can significantly contribute to its product adoptions and revenue growth. Moreover, the company believes that it's on track to hit its 10M members target by focusing on its \"best-in-class\" products. Noto emphasized (edited):\n\n \"\n I would be really disappointed if we didn't achieve our 5-year plan that we laid out and getting to 10 million membersat SoFi and obviously more products than that. We're challenging ourselves to build a best-in-class product across four big macros, fast, selection, content, and convenience. Now those are pretty common adjectives, and they may not sound differentiated. But within each one, there is a ton of differentiation.\"\n\nMoreover, we believe that the company is well-placed to build on its platform advantage in its fast-growing financial services segment. It can leverage its profitable lending segment despite incurring losses for now. Notably, the company has turned adjusted EBITDA profitable on a consolidated basis and is expected to maintain its profitability moving ahead.\nNevertheless, two key risks may continue to impinge on its stock momentum in the near term. However, these risks are not new, and we don't expect them to be significant structural issues. President Biden just extended the student loan payment pause until 1 May'22. The Omicron variant has thrown a spanner in the works. But, we believe it only pushes back the restart of the repayment but is unlikely to be totally canceled. There is more than $1.6T of student debt outstanding, and the ramifications could be devastating. Notwithstanding, it's still a risk that we must highlight to readers.\nMoreover, therecent regulatory comments by FINRAand the SEC over restrictions to options trading could continue to affect sentiment around FinTech stocks like SoFi. Options trading has been very profitable for the market makers and brokerages like Robinhood (HOOD). Retail traders accounted for more than \"25% of total optionstrading activity\". Moreover, the average daily volume of total options contracts traded also rose 35% YoY to 39M, to the \"highest level ever.\" Since options trading comes with leverage, we believe that it's only prudent that regulators are evaluating the need to restrict the marketing of options trading. Investors who are not well-versed in options trading could have their portfolios decimated if their risk management was poor.\nHowever,SoFi has no exposure to options trading currently. Nevertheless, it might reduce the potential opportunity for SoFi if certain restrictions were implemented. However, there's no impact on its current estimates, and thus investors should not be unduly concerned. Therefore, any short-term headwinds or knee-jerk reaction to such concerns should be capitalized on by investors.\nSo, Is SOFI Stock A Buy Now?\nSoFi adjusted revenue and adjusted EBITDA margins. Data source: S&P Capital IQ\nSOFI stock EV/NTM Revenue.\nSoFi's adjusted revenue is estimated to increase at a CAGR of 44.6% over the next two years. Notably, its estimated adjusted EBITDA margin is expected to grow to 20.4% from just 2.8% in FY21 (SoFi guided for 3%). Therefore, we believe that investors might see tremendous revenue and bottom-line growth in the next two years if SoFi continues to execute its strategy well. Nevertheless, the tailwinds supporting the growth in its lending segment must continue to underpin the momentum in its financial services segment.\nMoreover, SoFi stock is trading at an EV/NTM Revenue of 9.1x. The stock has also been strongly supported whenever its revenue multiple fell to around 9.2x. In addition, its stock is also testing a key support level that attracted a series of insider purchases in August.\nTherefore,we reiterate our Buy rating on SOFI stock. We believe the tailwinds driving its lending and financial services business are multi-year. Coupled with a potential bank charter in the works, SoFi stock is still very early in exploiting its market opportunities. However, we believe it's suitable for speculative investors only due to its volatility. In addition, we also encourage investors to add in phases.","news_type":1},"isVote":1,"tweetType":1,"viewCount":317,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":829622934,"gmtCreate":1633502257091,"gmtModify":1633502257205,"author":{"id":"3575085237839408","authorId":"3575085237839408","name":"KokTong","avatar":"https://static.tigerbbs.com/02f7e5a5dfae2a5a3102418ad5bfc1dd","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false},"themes":[],"htmlText":"nice","listText":"nice","text":"nice","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/829622934","repostId":"1123518290","repostType":4,"repost":{"id":"1123518290","pubTimestamp":1633480169,"share":"https://www.laohu8.com/m/news/1123518290?lang=&edition=full","pubTime":"2021-10-06 08:29","market":"us","language":"en","title":"For your shopping list: These big tech stocks have dropped as much as 20% over the past month","url":"https://stock-news.laohu8.com/highlight/detail?id=1123518290","media":"MarketWatch","summary":"Hard-hit tech stocks include DocuSign, Adobe, Nvidia and Facebook\nShares of these four tech-oriented","content":"<p>Hard-hit tech stocks include DocuSign, Adobe, Nvidia and Facebook</p>\n<p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/98172a45c8b5e404160f18d08070a602\" tg-width=\"700\" tg-height=\"487\" referrerpolicy=\"no-referrer\"><span>Shares of these four tech-oriented companies have dropped between 16% and 20% over the past month.</span></p>\n<p>Technology stocks have slumped. What investors never know is how long it will take for the inevitable sector reversal.</p>\n<p>A list of the worst-performing technology stocks over the past month among the S&amp;P 500 Index&nbsp;and the Nasdaq 100 Index&nbsp;is below.</p>\n<p>Here’s how the 11 sectors of the S&amp;P 500 Index have performed over the past month, excluding dividends:</p>\n<p><img src=\"https://static.tigerbbs.com/c8f5d4fa7bb043e7fcc06892e36975c0\" tg-width=\"1093\" tg-height=\"689\" referrerpolicy=\"no-referrer\"></p>\n<p>All in all, 2021 has been a fine year for stock market performance, especially when considering that it has followed what turned out to be a good 2020 for most sectors. The technology sector was the third-worst-performing sector from Sept. 3 through Oct. 4, but it has been the clear leader from the end of 2019 through the Covid-19 pandemic.</p>\n<p>Wedbush analyst Dan Ives attributed the pullback in technology stocks to the fear of rising interest rates and concern over growth-stock valuations in a note to clients on Oct. 5. He went on to predict the pressure on tech stocks would be “short-lived” and that the sector would be up 10% from here through the end of 2021.</p>\n<p>“[T]he tech growth stories are being massively underestimated by the Street in&nbsp;our opinion with 3Q earnings a major positive catalyst for the tech sector looking&nbsp;ahead,” Ives wrote.</p>\n<p>The overwhelming tendency for companies reporting quarterly results to beat analysts’ consensus estimates may well turn the analyst’s prediction into reality in only a few weeks.</p>\n<p>Ives sees a “multitrillion opportunity for the next decade” as the digital transformation of multiple industries continues. His favorite investments include Apple Inc.&nbsp;among the FAANG stocks. For plays on cloud computing, his favorites among large-cap stocks are Microsoft Corp.&nbsp;and DocuSign Inc.Among large-cap companies poised for the best growth as cybersecurity threats are dealt with, Ives’s top recommendations are Zscaler Inc.,Palo Alto Networks Inc.&nbsp;and Fortinet Inc..</p>\n<p><b>Biggest large-cap tech drops over the past month</b></p>\n<p>To list tech stocks, we began with the S&amp;P 500 information technology sector and then added tech-oriented names in other sectors, such as Facebook Inc.,Twitter Inc.&nbsp;and videogame developers in the communications sector and Amazon.com Inc.&nbsp;in the consumer discretionary sector. We then added tech companies in the Nasdaq-100 that aren’t included in the S&amp;P 500.</p>\n<p>From this expanded list of 105 tech stocks, here are the 20 worst performers from Sept. 3 through Oct. 4:</p>\n<p><img src=\"https://static.tigerbbs.com/d705f2cc5483edcc3d71a32588491010\" tg-width=\"781\" tg-height=\"853\" referrerpolicy=\"no-referrer\"></p>\n<p>Leaving the group of 20 tech stocks in the same order, here’s a summary of opinion among Wall Street analysts polled by FactSet:</p>\n<p><img src=\"https://static.tigerbbs.com/b5ff770f5711640a821e1075b09979d2\" tg-width=\"790\" tg-height=\"842\" referrerpolicy=\"no-referrer\"></p>","source":"lsy1603348471595","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>For your shopping list: These big tech stocks have dropped as much as 20% over the past month</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\">\nFor your shopping list: These big tech stocks have dropped as much as 20% over the past month\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-10-06 08:29 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.marketwatch.com/story/for-your-shopping-list-these-big-tech-stocks-have-dropped-as-much-as-20-over-the-past-month-11633442943?mod=home-page><strong>MarketWatch</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Hard-hit tech stocks include DocuSign, Adobe, Nvidia and Facebook\nShares of these four tech-oriented companies have dropped between 16% and 20% over the past month.\nTechnology stocks have slumped. ...</p>\n\n<a href=\"https://www.marketwatch.com/story/for-your-shopping-list-these-big-tech-stocks-have-dropped-as-much-as-20-over-the-past-month-11633442943?mod=home-page\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"ZM":"Zoom","PTON":"Peloton Interactive, Inc.","JD":"京东","ADBE":"Adobe","ENPH":"Enphase Energy",".DJI":"道琼斯","NVDA":"英伟达","QCOM":"高通","PYPL":"PayPal",".IXIC":"NASDAQ Composite","PDD":"拼多多",".SPX":"S&P 500 Index","MELI":"MercadoLibre","AAPL":"苹果","DOCU":"Docusign","OKTA":"Okta Inc.","CRWD":"CrowdStrike Holdings, Inc."},"source_url":"https://www.marketwatch.com/story/for-your-shopping-list-these-big-tech-stocks-have-dropped-as-much-as-20-over-the-past-month-11633442943?mod=home-page","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1123518290","content_text":"Hard-hit tech stocks include DocuSign, Adobe, Nvidia and Facebook\nShares of these four tech-oriented companies have dropped between 16% and 20% over the past month.\nTechnology stocks have slumped. What investors never know is how long it will take for the inevitable sector reversal.\nA list of the worst-performing technology stocks over the past month among the S&P 500 Index and the Nasdaq 100 Index is below.\nHere’s how the 11 sectors of the S&P 500 Index have performed over the past month, excluding dividends:\n\nAll in all, 2021 has been a fine year for stock market performance, especially when considering that it has followed what turned out to be a good 2020 for most sectors. The technology sector was the third-worst-performing sector from Sept. 3 through Oct. 4, but it has been the clear leader from the end of 2019 through the Covid-19 pandemic.\nWedbush analyst Dan Ives attributed the pullback in technology stocks to the fear of rising interest rates and concern over growth-stock valuations in a note to clients on Oct. 5. He went on to predict the pressure on tech stocks would be “short-lived” and that the sector would be up 10% from here through the end of 2021.\n“[T]he tech growth stories are being massively underestimated by the Street in our opinion with 3Q earnings a major positive catalyst for the tech sector looking ahead,” Ives wrote.\nThe overwhelming tendency for companies reporting quarterly results to beat analysts’ consensus estimates may well turn the analyst’s prediction into reality in only a few weeks.\nIves sees a “multitrillion opportunity for the next decade” as the digital transformation of multiple industries continues. His favorite investments include Apple Inc. among the FAANG stocks. For plays on cloud computing, his favorites among large-cap stocks are Microsoft Corp. and DocuSign Inc.Among large-cap companies poised for the best growth as cybersecurity threats are dealt with, Ives’s top recommendations are Zscaler Inc.,Palo Alto Networks Inc. and Fortinet Inc..\nBiggest large-cap tech drops over the past month\nTo list tech stocks, we began with the S&P 500 information technology sector and then added tech-oriented names in other sectors, such as Facebook Inc.,Twitter Inc. and videogame developers in the communications sector and Amazon.com Inc. in the consumer discretionary sector. We then added tech companies in the Nasdaq-100 that aren’t included in the S&P 500.\nFrom this expanded list of 105 tech stocks, here are the 20 worst performers from Sept. 3 through Oct. 4:\n\nLeaving the group of 20 tech stocks in the same order, here’s a summary of opinion among Wall Street analysts polled by FactSet:","news_type":1},"isVote":1,"tweetType":1,"viewCount":437,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":876913698,"gmtCreate":1637248550508,"gmtModify":1637248558149,"author":{"id":"3575085237839408","authorId":"3575085237839408","name":"KokTong","avatar":"https://static.tigerbbs.com/02f7e5a5dfae2a5a3102418ad5bfc1dd","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false},"themes":[],"htmlText":"hi","listText":"hi","text":"hi","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/876913698","repostId":"2184853381","repostType":2,"repost":{"id":"2184853381","weMediaInfo":{"introduction":"Dow Jones publishes the world’s most trusted business news and financial information in a variety of media.","home_visible":0,"media_name":"Dow Jones","id":"106","head_image":"https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99"},"pubTimestamp":1637160000,"share":"https://www.laohu8.com/m/news/2184853381?lang=&edition=full","pubTime":"2021-11-17 22:40","market":"us","language":"en","title":"PayPal 'now risks getting disrupted' by competitors, analyst says in downgrade","url":"https://stock-news.laohu8.com/highlight/detail?id=2184853381","media":"Dow Jones","summary":"PayPal faces competitive pressures from Shopify, BNPL services, and elsewhere, according to Bernstein. PayPal Holdings Inc. has a reputation for disrupting the payments ecosystem, but it \"now risks getting disrupted\" itself, according to an analyst.Bernstein's Harshita Rawat downgraded the stock to market perform from outperform Wednesday, citing various competitive pressures for the digital payments giant. Shares of PayPal  are off 2.5% in premarket trading.\"Amazon currently doesn't accept PayP","content":"<html><body><font class=\"NormalMinus1\" face=\"Arial\">\n<p>\nMW <a href=\"https://laohu8.com/S/PYPL\">PayPal</a> 'now risks getting disrupted' by competitors, analyst says in downgrade\n</p>\n<p>\n  By Emily Bary \n</p>\n<p>\n  PayPal faces competitive pressures from Shopify, BNPL services, and elsewhere, according to Bernstein \n</p>\n<p>\n  PayPal Holdings Inc. has a reputation for disrupting the payments ecosystem, but it \"now risks getting disrupted\" itself, according to an analyst. \n</p>\n<p>\n  Bernstein's Harshita Rawat downgraded the stock to market perform from outperform Wednesday, citing various competitive pressures for the digital payments giant. Shares of PayPal (PYPL) are off 2.5% in premarket trading. \n</p>\n<p>\n  Rawat worries about the \"increasing aggregation\" of e-commerce activity on large platforms like Amazon.com Inc. <a href=\"https://laohu8.com/S/AMZN\">$(AMZN)$</a> and <a href=\"https://laohu8.com/S/SHOP\">Shopify Inc</a>. (SHOP.T), which she estimates are together responsible for about 32% of U.S. commerce. \n</p>\n<p>\n  \"Amazon currently doesn't accept PayPal and just agreed to accept Venmo starting in 2022,\" she wrote. \"Shopify has ambitions of creating its own payments business and has been pushing its merchants aggressively to convert to Shopify payments platform (and also towards the Shop Pay button).\" \n</p>\n<p>\n  Smaller merchants \"are PayPal's bread and butter, and Shopify's meteoric rise and push towards its own payments platform is particularly problematic,\" Rawat continued. PayPal's transaction economics are better with smaller businesses than with very large ones, she argued. Shopify Inc. represents an \"unassailable competitor\" when it comes to the small-business demographic, in her view. \n</p>\n<p>\n  Rawat is also concerned that PayPal's market-share gains will slow. The company has typically won share at the expense of manual card entry onto a website, but fewer consumers are entering their card information this way, she said, meaning there is less available land to grab there. She estimates that manual card entry now accounts for about 20% of e-commerce checkout, down from roughly 33% four years back. \n</p>\n<p>\n  More broadly, she thinks that share gains could slow \"by a thousand cuts\" thanks to the rise of a number of technologies that separately eat away at opportunities for PayPal. These include the growth of buy-now pay-later (BNPL) services, the ability to auto-fill credit-card information on some web browsers, and the threat of Apple Pay as ever more commerce shifts online. \n</p>\n<p>\n  \"It is an understatement to say that the payments landscape is rapidly evolving with many powerful trends emerging,\" Rawat said in her note to clients. \"While PayPal is actively investing and evolving, it simply has more turf to defend versus peers in our view.\" \n</p>\n<p>\n  Rawat acknowledged that her thesis could prove incorrect if PayPal delivers upbeat surprises with its efforts to drive more revenue from its Venmo app and its \"superapp\" redesign that focuses on features beyond just payments. \n</p>\n<p>\n  \"After years of false starts, we believe Venmo is finally on the cusp of getting monetized,\" she wrote. While Rawat has \"historically been skeptical of aggressive monetization estimates for Venmo,\" she feels more \"constructive\" now. \"Venmo monetization is now less about following the PayPal playbook and more about following Cash App's journey,\" she wrote, referencing Square Inc.'s <a href=\"https://laohu8.com/S/SQ\">$(SQ)$</a> mobile wallet. \n</p>\n<p>\n  Shares of PayPal have declined 20% over the past three months as the S&amp;P 500  has risen about 6%. \n</p>\n<p>\n  -Emily Bary \n</p>\n<pre>\n \n</pre>\n<p>\n  <a href=\"https://laohu8.com/S/END\">$(END)$</a> Dow Jones Newswires\n</p>\n<p>\n  November 17, 2021 09:40 ET (14:40 GMT)\n</p>\n<p>\n  Copyright (c) 2021 Dow Jones &amp; Company, Inc.\n</p>\n</font></body></html>","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>PayPal 'now risks getting disrupted' by competitors, analyst says in downgrade</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\">\nPayPal 'now risks getting disrupted' by competitors, analyst says in downgrade\n</h2>\n\n<h4 class=\"meta\">\n\n\n<div class=\"head\" \">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Dow Jones </p>\n<p class=\"h-time\">2021-11-17 22:40</p>\n</div>\n\n</div>\n\n\n</h4>\n\n</header>\n<article>\n<html><body><font class=\"NormalMinus1\" face=\"Arial\">\n<p>\nMW <a href=\"https://laohu8.com/S/PYPL\">PayPal</a> 'now risks getting disrupted' by competitors, analyst says in downgrade\n</p>\n<p>\n  By Emily Bary \n</p>\n<p>\n  PayPal faces competitive pressures from Shopify, BNPL services, and elsewhere, according to Bernstein \n</p>\n<p>\n  PayPal Holdings Inc. has a reputation for disrupting the payments ecosystem, but it \"now risks getting disrupted\" itself, according to an analyst. \n</p>\n<p>\n  Bernstein's Harshita Rawat downgraded the stock to market perform from outperform Wednesday, citing various competitive pressures for the digital payments giant. Shares of PayPal (PYPL) are off 2.5% in premarket trading. \n</p>\n<p>\n  Rawat worries about the \"increasing aggregation\" of e-commerce activity on large platforms like Amazon.com Inc. <a href=\"https://laohu8.com/S/AMZN\">$(AMZN)$</a> and <a href=\"https://laohu8.com/S/SHOP\">Shopify Inc</a>. (SHOP.T), which she estimates are together responsible for about 32% of U.S. commerce. \n</p>\n<p>\n  \"Amazon currently doesn't accept PayPal and just agreed to accept Venmo starting in 2022,\" she wrote. \"Shopify has ambitions of creating its own payments business and has been pushing its merchants aggressively to convert to Shopify payments platform (and also towards the Shop Pay button).\" \n</p>\n<p>\n  Smaller merchants \"are PayPal's bread and butter, and Shopify's meteoric rise and push towards its own payments platform is particularly problematic,\" Rawat continued. PayPal's transaction economics are better with smaller businesses than with very large ones, she argued. Shopify Inc. represents an \"unassailable competitor\" when it comes to the small-business demographic, in her view. \n</p>\n<p>\n  Rawat is also concerned that PayPal's market-share gains will slow. The company has typically won share at the expense of manual card entry onto a website, but fewer consumers are entering their card information this way, she said, meaning there is less available land to grab there. She estimates that manual card entry now accounts for about 20% of e-commerce checkout, down from roughly 33% four years back. \n</p>\n<p>\n  More broadly, she thinks that share gains could slow \"by a thousand cuts\" thanks to the rise of a number of technologies that separately eat away at opportunities for PayPal. These include the growth of buy-now pay-later (BNPL) services, the ability to auto-fill credit-card information on some web browsers, and the threat of Apple Pay as ever more commerce shifts online. \n</p>\n<p>\n  \"It is an understatement to say that the payments landscape is rapidly evolving with many powerful trends emerging,\" Rawat said in her note to clients. \"While PayPal is actively investing and evolving, it simply has more turf to defend versus peers in our view.\" \n</p>\n<p>\n  Rawat acknowledged that her thesis could prove incorrect if PayPal delivers upbeat surprises with its efforts to drive more revenue from its Venmo app and its \"superapp\" redesign that focuses on features beyond just payments. \n</p>\n<p>\n  \"After years of false starts, we believe Venmo is finally on the cusp of getting monetized,\" she wrote. While Rawat has \"historically been skeptical of aggressive monetization estimates for Venmo,\" she feels more \"constructive\" now. \"Venmo monetization is now less about following the PayPal playbook and more about following Cash App's journey,\" she wrote, referencing Square Inc.'s <a href=\"https://laohu8.com/S/SQ\">$(SQ)$</a> mobile wallet. \n</p>\n<p>\n  Shares of PayPal have declined 20% over the past three months as the S&amp;P 500  has risen about 6%. \n</p>\n<p>\n  -Emily Bary \n</p>\n<pre>\n \n</pre>\n<p>\n  <a href=\"https://laohu8.com/S/END\">$(END)$</a> Dow Jones Newswires\n</p>\n<p>\n  November 17, 2021 09:40 ET (14:40 GMT)\n</p>\n<p>\n  Copyright (c) 2021 Dow Jones &amp; Company, Inc.\n</p>\n</font></body></html>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BK4554":"元宇宙及AR概念","BK4566":"资本集团","BK4106":"数据处理与外包服务","PYPL":"PayPal","BK4551":"寇图资本持仓","BK4524":"宅经济概念","BK4535":"淡马锡持仓","SHOP":"Shopify Inc","BK4534":"瑞士信贷持仓","BK4527":"明星科技股","BK4533":"AQR资本管理(全球第二大对冲基金)"},"source_url":"http://dowjonesnews.com/newdjn/logon.aspx?AL=N","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2184853381","content_text":"MW PayPal 'now risks getting disrupted' by competitors, analyst says in downgrade\n\n\n  By Emily Bary \n\n\n  PayPal faces competitive pressures from Shopify, BNPL services, and elsewhere, according to Bernstein \n\n\n  PayPal Holdings Inc. has a reputation for disrupting the payments ecosystem, but it \"now risks getting disrupted\" itself, according to an analyst. \n\n\n  Bernstein's Harshita Rawat downgraded the stock to market perform from outperform Wednesday, citing various competitive pressures for the digital payments giant. Shares of PayPal (PYPL) are off 2.5% in premarket trading. \n\n\n  Rawat worries about the \"increasing aggregation\" of e-commerce activity on large platforms like Amazon.com Inc. $(AMZN)$ and Shopify Inc. (SHOP.T), which she estimates are together responsible for about 32% of U.S. commerce. \n\n\n  \"Amazon currently doesn't accept PayPal and just agreed to accept Venmo starting in 2022,\" she wrote. \"Shopify has ambitions of creating its own payments business and has been pushing its merchants aggressively to convert to Shopify payments platform (and also towards the Shop Pay button).\" \n\n\n  Smaller merchants \"are PayPal's bread and butter, and Shopify's meteoric rise and push towards its own payments platform is particularly problematic,\" Rawat continued. PayPal's transaction economics are better with smaller businesses than with very large ones, she argued. Shopify Inc. represents an \"unassailable competitor\" when it comes to the small-business demographic, in her view. \n\n\n  Rawat is also concerned that PayPal's market-share gains will slow. The company has typically won share at the expense of manual card entry onto a website, but fewer consumers are entering their card information this way, she said, meaning there is less available land to grab there. She estimates that manual card entry now accounts for about 20% of e-commerce checkout, down from roughly 33% four years back. \n\n\n  More broadly, she thinks that share gains could slow \"by a thousand cuts\" thanks to the rise of a number of technologies that separately eat away at opportunities for PayPal. These include the growth of buy-now pay-later (BNPL) services, the ability to auto-fill credit-card information on some web browsers, and the threat of Apple Pay as ever more commerce shifts online. \n\n\n  \"It is an understatement to say that the payments landscape is rapidly evolving with many powerful trends emerging,\" Rawat said in her note to clients. \"While PayPal is actively investing and evolving, it simply has more turf to defend versus peers in our view.\" \n\n\n  Rawat acknowledged that her thesis could prove incorrect if PayPal delivers upbeat surprises with its efforts to drive more revenue from its Venmo app and its \"superapp\" redesign that focuses on features beyond just payments. \n\n\n  \"After years of false starts, we believe Venmo is finally on the cusp of getting monetized,\" she wrote. While Rawat has \"historically been skeptical of aggressive monetization estimates for Venmo,\" she feels more \"constructive\" now. \"Venmo monetization is now less about following the PayPal playbook and more about following Cash App's journey,\" she wrote, referencing Square Inc.'s $(SQ)$ mobile wallet. \n\n\n  Shares of PayPal have declined 20% over the past three months as the S&P 500  has risen about 6%. \n\n\n  -Emily Bary \n\n\n \n\n\n$(END)$ Dow Jones Newswires\n\n\n  November 17, 2021 09:40 ET (14:40 GMT)\n\n\n  Copyright (c) 2021 Dow Jones & Company, Inc.","news_type":1},"isVote":1,"tweetType":1,"viewCount":488,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0}],"lives":[]}