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2023-08-12

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The Retiree's Dividend Portfolio: John's June Update - The Impact Of Student Loan Debt On Non-Discretionary Spending

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your opinion about this news…","listText":"Share your opinion about this news…","text":"Share your opinion about this news…","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/207903384690912","repostId":"2358062068","repostType":2,"repost":{"id":"2358062068","kind":"highlight","pubTimestamp":1691760868,"share":"https://ttm.financial/m/news/2358062068?lang=&edition=fundamental","pubTime":"2023-08-11 21:34","market":"us","language":"en","title":"The Retiree's Dividend Portfolio: John's June Update - The Impact Of Student Loan Debt On Non-Discretionary Spending","url":"https://stock-news.laohu8.com/highlight/detail?id=2358062068","media":"seekingalpha","summary":"We currently have a personal finance crisis in this country that includes record rates of consumer credit card debt, average new car payments in excess of $700/month, climbing mortgage rates, and we have all seen bills for everyday goods like groceries hit by inflation. The average American has little to no safety net built into their budget which is why any increases in living expenses can become very concerning since the potential of student loan payments, which most borrowers haven't considered since pre-","content":"<html><body><p><figure><picture> <img height=\"1024px\" loading=\"lazy\" sizes=\"(max-width: 768px) calc(100vw - 36px), (max-width: 1024px) calc(100vw - 132px), (max-width: 1200px) calc(66.6vw - 72px), 600px\" src=\"https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1216195259/image_1216195259.jpg?io=getty-c-w750\" srcset=\"https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1216195259/image_1216195259.jpg?io=getty-c-w1536 1536w, https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1216195259/image_1216195259.jpg?io=getty-c-w1280 1280w, https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1216195259/image_1216195259.jpg?io=getty-c-w1080 1080w, https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1216195259/image_1216195259.jpg?io=getty-c-w750 750w, https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1216195259/image_1216195259.jpg?io=getty-c-w640 640w, https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1216195259/image_1216195259.jpg?io=getty-c-w480 480w, https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1216195259/image_1216195259.jpg?io=getty-c-w320 320w, https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1216195259/image_1216195259.jpg?io=getty-c-w240 240w\" width=\"1536px\"/> </picture><figcaption> <p>Stephanie Zieber/iStock via Getty Images</p></figcaption></figure></p> <p>While I have personally never had the displeasure of student loan debt I did inherit quite a bit when my wife and I tied the knot. At the time that worked out to be somewhere<span> in the neighborhood of $36,000 and based on her income she was required to pay about $450/month. We chose to pay $800/month because I found the absurd rate of 6% to be worth paying down when our mortgage was at 2.75%.</span></p> <p>Interestingly enough, she worked at a non-profit and one of the most common arguments I hear from borrowers in similar situations is that they don't need to worry about the debt because their employment makes them eligible for student loan forgiveness after 10 years at a non-profit. I always exercise a level of skepticism towards this because a lot of<span> it depends on specifics like working in lower-income areas or in locations like Barrow Alaska (the furthest city north in the United States) which have challenges attracting interested job-seekers.</span></p> <p>Now, let's assume that student loan forgiveness was this easy and was completely true. It made me curious as to whether or not someone did the math before assuming forgiveness would be to their benefit because most of these programs still require you to make minimum income-driven monthly payments. With that in mind, the government dictated that my wife owed $450/month and that she would need to pay those minimums (and I am not even factoring in the increases that would likely arise as her income grew) for at least 10 years.</p> <ol> <li>With 8 years remaining that works out to be a total of $43,200 by making the minimums. This also assumes that she stayed employed with a non-profit (for the record she left that employer only months after we went through this exercise for a better career opportunity). This would have come at a cost of over $10K of interest paid during this time.</li> <li>At the interest rate of 6%, she would have still had something like $2K (estimating from the loan amortization calculator) of principal left to pay that would ultimately be forgiven.</li> <li>If we continued to pay $800/month it would have been paid in full after 51 months and would have had an interest cost of less than $5K.</li> </ol> <p>Ultimately, when we sold our previous house, we took the proceeds, and we cleared this debt. Between the issues of working in the non-profit sector and how much would actually be forgiven, we saw the cost/benefit as relatively straightforward.</p> <p><em><strong>So what does this have to do with my retirement articles?</strong></em></p> <p>We currently have a personal finance crisis in this country that includes record rates of consumer credit card debt, average new car payments in excess of $700/month, climbing mortgage rates, and we have all seen bills for everyday goods like groceries hit by inflation. The average American has little to no safety net built into their budget which is why any increases in living expenses can become very concerning since the potential of student loan payments, which most borrowers haven't considered since pre-COVID, could see as the straw that broke the camel's back.</p> <p>This means that some stocks are going to be in trouble more than others, so the question is, which stocks should we be concerned about? There is no formula or specific sector that we can simply exclude altogether but we can draw some conclusions about the following:</p> <ul> <li>Non-essential products/services</li> <li>Housing (in particular apartment rents)</li> <li>Auto Loans</li> </ul> <p>I wanted to look at some of the stocks held in John and Jane's portfolio that could be impacted.</p> <p>Non-essential products and services could impact:</p> <ul> <li>Lowe's (LOW)</li> <li>EPR Properties (EPR)</li> </ul> <p>This is one reason why we cut the position in LOW by half recently. The stock price has jumped recently as the Q1-2023 earnings report showed strong earnings beat but a significant decrease in revenue. Management noted that the FY-2023 revenue would likely be down 2-4% and FY-2023 earnings guidance was cut down to $13.20-$13.60 per share compared to prior guidance of $13.60-14.00 per share.</p> <p>EPR holds properties like Top Golf, ski resorts, and other experiential real estate which typically carry an expensive price tag. This would suggest consumers that are feeling the pinch would choose to cut back on these expenditures of expenditures since the activity itself is not necessary.</p> <p>To be very clear, I like both LOW and EPR and plan to continue holding shares but the argument I am making is that student loan debt payments resuming is enough for me to at least say that I don't think LOW stock should be trading near its record high. With borrowers already struggling to pay higher car payments, credit cards, and even increased insurance costs/property taxes there are too many factors going against LOW's stock trading at all-time highs. To top it all off the dividend yield is less than 2% there just isn't a compelling reason in my opinion that John and Jane should maintain heavy exposure to the stock until there is a more compelling yield and opportunity for capital appreciation.</p> <p><figure><img height=\"366\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2023/8/4/saupload_d2fe474cf5121945fb9385454815ed53.png\" width=\"635\"/><figcaption>Data by YCharts</figcaption></figure></p> <p>Now I am applying this lens when viewing the other holdings to better understand how much exposure exists in John and Jane's portfolio to something like student loan payments.</p> <h2>Background</h2> <p>For those interested in John and Jane's full background, you can find at least three articles a month published for the last five years detailing the performance of their portfolio. I have continued to evolve the report over time by adding and removing information/images to make the updates more useful to the average investor. Here are the key details that should be understood when reading these updates.</p> <ul> <li>This is a real portfolio with actual shares being traded. This is not a practice portfolio which is why I include screenshots from Charles Schwab to document every change that is made.</li> <li>I am not a financial advisor and merely provide guidance based on a relationship that goes back several years.</li> <li>John retired in January 2018 and has collected Social Security income as his regular source of income. John also currently withdraws $1,000/month from his Traditional IRA.</li> <li>Jane retired at the beginning of 2021 and decided to begin collecting Social Security early and has not made any withdrawals from her retirement accounts yet.</li> <li>John and Jane began drawing funds from the Taxable Account in 2022 at $1,000/month. After speaking with them this amount has been increased to $1,700/month. This withdrawal is still covered entirely by dividend and interest income.</li> <li>John and Jane have other investments outside of what I manage. These investments primarily consist of minimal-risk bonds and low-yield certificates.</li> <li>John and Jane have no debt or monthly payments other than basic recurring bills such as water, power, property taxes, etc.</li> </ul> <p>The reason why I started helping John and Jane with their retirement accounts is that I was infuriated by the fees they were being charged by their previous financial advisor. <em><strong>I do not charge John and Jane for anything that I do</strong>.</em></p> <p><em>The only request I have made of John and Jane is that they allow me to publish their portfolio anonymously because I want to help as many people as I can while holding myself accountable and improving my thought process.</em></p> <p><em>I started this series to address issues I have had when reading other authors with similar types of updates (I am not saying they are wrong, but I found myself questioning their actual performance because they never provided enough information to cover loose ends).</em></p> <h2>Here is My Promise to Readers:</h2> <ul> <li>I aim to give as much information as needed so readers can feel confident that what I do is real.</li> <li>Even if you agree the results are real this does not mean I expect you to agree with me and I will always answer constructive criticism whenever possible. I will respond with the same genuine intent that the question was asked with.</li> <li>I am very transparent about the portfolio and consistency is a significant goal of mine. All of my data points (unless noted otherwise) are derived from month-end statements from Charles Schwab. Even when things aren't looking great (Spring 2020 for example) you will know because I provide enough information that it would be impossible for me to manipulate.</li> <li>This article is not intended to be advice or a call to action and is for informational purposes only (I am not a financial advisor and I don't claim to be one). My goal is to challenge conventional thinking and empower you to take control of your investments (if that's something you want to do).</li> </ul> <p>Generating a stable and growing dividend income with an emphasis on capital preservation has become the primary focus of this portfolio. I am least concerned about capital appreciation which is why the decisions made will seem pretty conservative most of the time. I may measure the performance of the portfolio relative to indexes and ETFs but the key metric I am focused on is delivering a more stable source of cash flow to John and Jane over time that allows them to live a comfortable retirement that includes minimal stress related to finances.</p> <h2>Dividend Decreases</h2> <p>No companies in John's Traditional and Roth IRA accounts eliminated or reduced their dividend during the month of June.</p> <h2>Dividend Increases</h2> <p>Three companies paid increased dividends/distributions or a special dividend during the month of June.</p> <ul> <li>Columbia Banking System (COLB)</li> <li><a href=\"https://laohu8.com/S/MAIN\">Main Street Capital</a> (MAIN)</li> <li>PepsiCo (PEP)</li> </ul> <p>MAIN was covered in Jane's Retirement account update. I will only include information about the dividend increases associated with these. Those interested in reading the summary MAIN can check the links at the end of the article.</p> <p><strong>Columbia Banking System</strong> - When Columbia Bank and Umpqua (UMPQ) merged it made sense to take banks with two different focuses and bring them together. Columbia Bank was always known for its business lending prowess and Umpqua had a robust mortgage lending portfolio (I worked at Umpqua as a Secondary Market Analyst hedging the mortgage portfolio and selling mortgage-backed securities for 2.5 years). The dividend increase is a sign to me that the combined entity is on track to reach the cost synergies that were projected from the merger.</p> <p>Nearly every aspect of the balance sheet has improved as a result of the merger, so I do believe that the long-term safety of remaining invested in COLB makes sense. The stock is currently priced at ultimate pessimism, recently trading at a multiple that is less than it was during the initial stages of COVID in 2020. We will likely commit some additional funds to this position because of the potential benefit from capital gains and the compelling dividend yield.</p> <p><figure contenteditable=\"false\"><span><img contenteditable=\"false\" height=\"382\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2023/8/3/17593862-16910462413073518.jpg\" width=\"640\"/></span><figcaption><p>COLB - FastGraphs 6-2023 <span>(FastGraphs)</span></p></figcaption></figure></p> <p><em>The dividend was increased from $.30/share per quarter to $.36/share per quarter. This represents an increase of 20% and a new full-year payout of $1.44/share compared with the previous $1.20/</em><em>share. This results in a current yield of 6.53% based on the current share price of $21.84.</em></p> <p><strong>Main Street Capital</strong> - <em>A supplemental dividend of $.225/share was issued during the month of June.</em></p> <p><strong>Pepsi</strong> - I think Pepsi is a great company that has made a lot of efficiency improvements over the last few years and John has seen the value of his positions increase significantly during this time. One metric I like to use for PEP is the dividend yield to help determine how attractively (or unattractively) the stock is currently priced. The dividend yield is currently sitting at a 10-year low which suggests that the stock price is likely to plateau in the best-case scenario.</p> <p>This is where I ask the question, should we keep a full position invested or does it make more sense to invest the proceeds in stable certificates that will protect the capital while also returning a yield that is more than double the current dividend yield.</p> <p>These negatives aside, long-term dividend growth investors should take comfort in the recent 10% dividend increase which is higher than the 10-year average increase of 8%. The 50-year history of consecutive dividend increases is also a compelling reason to hold shares over the long run. As for John's portfolio, we have no problem reducing the size of the position and putting funds in a safer instrument that generates more income.</p> <p><figure contenteditable=\"false\"><span><img contenteditable=\"false\" height=\"340\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2023/8/4/17593862-16911312513986173.jpg\" width=\"640\"/></span><figcaption><p>PEP - Dividend Yield <span>(CDI)</span></p></figcaption></figure></p> <p><em>The dividend was increased from $1.15/share per quarter to $1.265/share per quarter. This represents an increase of 10% and a new full-year payout of $5.06/share compared with the previous $4.60/</em><em>share. This results in a current yield of 2.69% based on the current share price of $187.12.</em></p> <h2>Retirement Account Positions</h2> <p>There are currently 37 different positions in John's Traditional IRA and 23 different positions in John's Roth IRA. While this may seem like a lot, it is important to remember that many of these stocks cross over in both accounts and are also held in the Taxable Portfolio.</p> <p>Below is a list of the trades that took place in the Traditional IRA during the month of June.</p> <p><figure contenteditable=\"false\"><span><img contenteditable=\"false\" height=\"67\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2023/8/3/17593862-16910475714846566.jpg\" width=\"640\"/></span><figcaption><p>Traditional IRA - June 2023 Trades <span>(Charles Schwab)</span></p></figcaption></figure></p> <p>Below is a list of the trades that took place in the Roth IRA during the month of June.</p> <p><figure contenteditable=\"false\"><span><img contenteditable=\"false\" height=\"57\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2023/8/3/17593862-1691047653794046.jpg\" width=\"640\"/></span><figcaption><p>Roth IRA - June 2023 Trades <span>(Charles Schwab)</span></p></figcaption></figure></p> <h2>June Income Tracker - 2022 Vs. 2023</h2> <p>2023 dividend income performance was mixed with John's accounts set for a large decrease in the dividend income generated by the Traditional IRA and a large increase in the dividend income generated by the Roth IRA. The reason for the large decrease in the Traditional IRA was due to the special dividend paid by Healthcare Trust of America (HTA) when it was acquired by Healthcare Realty (HR) - This can also be seen in the huge growth in 2022 dividends which came in at a whopping 35.3%. If this dividend is removed then the growth year-over-year is trending as flat overall. While it's possible we could see more special dividends in 2023 I think it's more likely that management will focus on deleveraging or stock buybacks in most cases.</p> <p>The Traditional IRA is expected to generate an average of $1,367.48/month of dividend income in 2023 compared to the average monthly income of $1,485.63 generated in FY-2022. The Roth IRA is expected to generate an average of $818.30/month of dividend income in 2023 compared to the average monthly income of $710.57 generated in FY-2022.</p> <p>Once dividend increases are factored in and the additional interest income from CDs and SWVXX I expect we will see a very light increase in dividend income of 3-4%. (In this assumption I am also factoring out the large special dividend from the HTA acquisition but if I leave that in then I estimate we will see an overall negative combined dividend yield growth of 1-2%.)</p> <p>John plans to continue collecting $1,000/month from his Traditional IRA which matches the amount he withdrew monthly in 2022.</p> <p><em>SNLH = Stocks No Longer Held</em> - Dividends in this row represent the dividends collected on stocks that are no longer held in that portfolio. We still count the dividend income from stocks no longer held in the portfolio, even though it is non-recurring. <em>All images below come from Consistent Dividend Investor, LLC. (also referred to as CDI as the source below).</em></p> <p>The tables below represent which companies paid dividends in June 2023 and how that income source has changed since June of the previous year.</p> <p><figure contenteditable=\"false\"><picture> <img contenteditable=\"false\" height=\"665\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2023/8/3/17593862-16910478260297482.jpg\" width=\"283\"/> </picture><figcaption><p>Traditional IRA - June - 2022 V 2023 Dividend Breakdown <span>(CDI)</span></p></figcaption></figure><figure contenteditable=\"false\"><picture> <img contenteditable=\"false\" height=\"440\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2023/8/4/17593862-16911292372055962.jpg\" width=\"284\"/> </picture><figcaption><p>Roth IRA - June - 2022 V 2023 Dividend Breakdown <span>(CDI)</span></p></figcaption></figure></p> <p>The table below represents all income generated in 2022 and collected/expected dividends in 2023.</p> <p><figure contenteditable=\"false\"><span><img contenteditable=\"false\" height=\"374\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2023/8/4/17593862-16911292693259225.jpg\" width=\"640\"/></span><figcaption><p>Retirement Projections - June 2023 <span>(CDI)</span></p></figcaption></figure></p> <p>Below gives an extended look back at the dividend income generated when I first began writing these articles. I find this table to be most useful when comparing how dividend income has improved for a specific month over the course of six years.</p> <p><figure contenteditable=\"false\"><span><img contenteditable=\"false\" height=\"179\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2023/8/4/17593862-1691129336168896.jpg\" width=\"640\"/></span><figcaption><p>Retirement Projections - June 2023 - Full Dividend History <span>(CDI)</span></p></figcaption></figure></p> <p>The balances below are from June 30, 2023, and all previous month's balances are taken from the end-of-month statement provided by Charles Schwab.</p> <p><figure contenteditable=\"false\"><span><img contenteditable=\"false\" height=\"303\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2023/8/4/17593862-1691129446861655.jpg\" width=\"640\"/></span><figcaption><p>Retirement Account - Month End Balances - June 2023 <span>(CDI)</span></p></figcaption></figure></p> <p>The next image is also pulled from the end-of-month statement provided by Charles Schwab which shows the cash balance of the account.</p> <p>**Please note that cash balances may fluctuate based on CD renewal dates and the use of Schwab Value Advantage Money Fund (SWVXX) because I only count the cash that is 100% liquid. There were larger fluctuations in 2019 and 2020 that we the result of deposits and withdrawals being made. There will be no contributions made into either account in 2023 because John is no longer working.</p> <p><figure contenteditable=\"false\"><span><img contenteditable=\"false\" height=\"173\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2023/8/4/17593862-16911294686695693.jpg\" width=\"640\"/></span><figcaption><p>Retirement Accounts - June 2023 - Cash Balances <span>(CDI)</span></p></figcaption></figure></p> <p>The next image provides a history of the unrealized gain/loss at the end of each month going back to the beginning of January 2018.</p> <p><figure contenteditable=\"false\"><span><img contenteditable=\"false\" height=\"151\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2023/8/4/17593862-16911295068483784.jpg\" width=\"640\"/></span><figcaption><p>Retirement Accounts - June 2023 - Unrealized Gain-Loss <span>(CDI)</span></p></figcaption></figure></p> <p>I think the table above is one of the most important for readers to understand because it paints a story of volatile markets and why we employ the strategy of generating consistent cash flows to overcome the uncertainty of the market. If we were dependent on selling shares to generate income for John and Jane's retirement they would have to be much more considerate of when they withdraw and how much they choose to withdraw.</p> <p>For example, a withdrawal in 2020 where shares must be sold would destroy more value by locking in losses or poor performance by stocks being sold compared to selling the same shares and withdrawing funds in 2021.</p> <p>In an effort to be transparent about John's Account, I would like to include an unrealized Gain/Loss summary. The numbers used are based on the closing prices from July 21, 2023. Normally this would be more recent but I decided to allow my week of vacation to include not working on articles whatsoever.</p> <p><figure contenteditable=\"false\"><picture> <img contenteditable=\"false\" height=\"693\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2023/8/4/17593862-16911296259684854.jpg\" width=\"557\"/> </picture><figcaption><p>Traditional IRA - June 2023 - Gain-Loss <span>(CDI)</span></p></figcaption></figure><figure contenteditable=\"false\"><picture> <img contenteditable=\"false\" height=\"466\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2023/8/4/17593862-16911296469500823.jpg\" width=\"549\"/> </picture><figcaption><p>Roth IRA - June 2023 - Gain-Loss <span>(CDI)</span></p></figcaption></figure></p> <p>It is worth noting in the table above that the yield column is most accurate at the start of the year, but if I reduce the size of positions it may inflate the yield because it is based on how much dividend income is collected. At the same time, it may report excessively low dividends for positions added or significantly increased at the end of the year.</p> <p>The last image represents the withdrawals being made from John's Traditional IRA, as this is the only account he is currently withdrawing funds from. As mentioned before, he continues to withdraw $1,000/month.</p> <p><figure contenteditable=\"false\"><picture> <img contenteditable=\"false\" height=\"342\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2023/8/4/17593862-1691129681233828.jpg\" width=\"320\"/> </picture><figcaption><p>Traditional IRA Withdrawals - June 2023 <span>(CDI)</span></p></figcaption></figure></p> <h2>Conclusion</h2> <p>The July article will begin painting a much clearer picture of the change in strategy where we are reducing or even eliminating some positions in favor of low-risk/zero-risk investments. The cash holdings including money markets and CD's have grown substantially through the sale of holdings that are in many cases near the 52-week-high which means that there really isn't much of an upside to realize (which also means a reversion to a lower price is more likely).</p> <p>PEP from the article is a great example with the share price at a record-high and a dividend yield of 2.69% (and that's after the most recent dividend increase) the stock price doesn't really have any catalysts that would push it higher so we trimmed the position in favor of some brokered CD's/Money Market funds that are generating almost twice the yield with practically no volatility.</p> <p><strong>In John's Traditional and Roth IRAs, he is currently long the following mentioned in this article:</strong> AFC Gamma (AFCG), Aflac (AFL), Apple Hospitality REIT (APLE), Avista (AVA), BP p.l.c. (BP), Brixmor Property Group (BRX), Crown Castle (CCI), Canadian Utilities (OTCPK:CDUAF), Chatham Lodging Trust (CLDT), Columbia Banking System (COLB), Chevron (CVX), CSX (CSX), Dominion Energy (D), Deere (DE), Digital Realty Preferred Series J (DLR.PJ), <a href=\"https://laohu8.com/S/DEX.AU\">Duke</a> Energy (DUK), Eaton Vance Floating-Rate Advantage Fund (EAFAX), EPR Properties (EPR), EPR Properties Preferred Series G (EPR.PG), Healthcare Realty (HR), Intercontinental Exchange (ICE), Iron Mountain (IRM), Kinder Morgan (KMI), Kite Realty Group (KRG), Lowe's (LOW), Main Street Capital (MAIN), Altria (MO), New Residential Investment Corp. Preferred Series B (NRZ.PB), Realty Income (O), <a href=\"https://laohu8.com/S/OSK\">Oshkosh</a> (OSK), Occidental Petroleum Corp. (OXY), Bank OZK (OZK), Bank OZK Preferred Series A (OZKAP), <a href=\"https://laohu8.com/S/PACWP\">PacWest Bancorp</a> (PACW), PepsiCo (PEP), <a href=\"https://laohu8.com/S/EEMA\">iShares</a> Preferred and Income Securities ETF (PFF), VanEck Vectors Preferred Securities ex Financials ETF (PFXF), Pinnacle West (PNW), PIMCO Income Fund Class A (PONAX), Nuveen Nasdaq 100 Dynamic Overwrite Fund (QQQX), <a href=\"https://laohu8.com/S/EFFE\">Global X</a> Funds Nasdaq 100 Covered Call ETF (QYLD), <a href=\"https://laohu8.com/S/STAG\">STAG Industrial</a> (STAG), Sun Communities (SUI), Southwest Gas (SWX), AT&amp;T (T), Toronto-Dominion Bank (TD), Truist Financial (TFC), T. Rowe Price (TROW), Cohen&amp;Steers Infrastructure Fund (UTF), Valero (VLO), Ventas (VTR), WestRock (WRK), and W. P. Carey (WPC).</p> <p>Editor's Note: This article discusses one or more securities that do not trade on a major U.S. exchange. Please be aware of the risks associated with these stocks.</p> <div></div> <p>Editor's Note: This article discusses one or more securities that do not trade on a major U.S. exchange. Please be aware of the risks associated with these stocks.</p></body></html>","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>The Retiree's Dividend Portfolio: John's June Update - The Impact Of Student Loan Debt On Non-Discretionary Spending</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nThe Retiree's Dividend Portfolio: John's June Update - The Impact Of Student Loan Debt On Non-Discretionary Spending\n</h2>\n\n<h4 class=\"meta\">\n\n\n2023-08-11 21:34 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://seekingalpha.com/article/4627343-the-retirees-dividend-portfolio-johns-june-update-the-impact-of-student-loan-debt-on-non-discretionary-spending><strong>seekingalpha</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Stephanie Zieber/iStock via Getty Images While I have personally never had the displeasure of student loan debt I did inherit quite a bit when my wife and I tied the knot. At the time that worked out ...</p>\n\n<a href=\"https://seekingalpha.com/article/4627343-the-retirees-dividend-portfolio-johns-june-update-the-impact-of-student-loan-debt-on-non-discretionary-spending\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1216195259/image_1216195259.jpg","relate_stocks":{"CVX":"雪佛龙","CLDT":"Chatham Lodging信托","STAG":"STAG Industrial","KRG":"凯特地产信托","VTR":"芬塔公司","QYLD":"纳斯达克100 Covered Call ETF-Global X","UMPQ":"Umpqua Holdings Corporation","LOW":"劳氏","QQQX":"Nuveen NASDAQ 100 Dynamic Overwrite","OSK":"Oshkosh","KMI":"金德尔摩根","PFXF":"VanEck Preferred Securities ex Financials ETF","AFCG":"Advanced Flower Capital Inc","CSX":"CSX运输","COLB":"哥伦比亚银行系统","TROW":"普信集团","OXY":"西方石油","PFF":"优先股指数ETF-iShares S&P","PACW":"西太平洋合众银行","O":"Realty Income Corp","EPR":"EPR不动产","HR":"医疗保健房地产信托","DUK":"杜克能源","TD":"道明银行","CCI":"冠城","SUI":"Sun Communities Inc","ICE":"洲际交易所","PEP":"百事可乐","AFL":"美国家庭寿险","WPC":"W. P. Carey Inc","BP":"英国石油","MAIN":"Main Street Capital","WRK":"Westrock Company","BRX":"Brixmor Property Group Inc.","T":"美国电话电报","AVA":"阿维斯塔","SWX":"Southwest Gas Corp","VLO":"瓦莱罗能源","APLE":"Apple Hospitality REIT, Inc.","DE":"迪尔股份有限公司","D":"道明尼资源","PNW":"品尼高西方资本品西资本","TFC":"Truist Financial Corp","OZK":"欧扎克银行","UTF":"Cohen & Steers Infrastructure","OZKAP":"Bank Ozk","SG9999004303.SGD":"Nikko AM Shenton Global Opportunities SGD","MO":"奥驰亚","IRM":"爱恩铁山"},"source_url":"https://seekingalpha.com/article/4627343-the-retirees-dividend-portfolio-johns-june-update-the-impact-of-student-loan-debt-on-non-discretionary-spending","is_english":true,"share_image_url":"https://static.laohu8.com/5a36db9d73b4222bc376d24ccc48c8a4","article_id":"2358062068","content_text":"Stephanie Zieber/iStock via Getty Images While I have personally never had the displeasure of student loan debt I did inherit quite a bit when my wife and I tied the knot. At the time that worked out to be somewhere in the neighborhood of $36,000 and based on her income she was required to pay about $450/month. We chose to pay $800/month because I found the absurd rate of 6% to be worth paying down when our mortgage was at 2.75%. Interestingly enough, she worked at a non-profit and one of the most common arguments I hear from borrowers in similar situations is that they don't need to worry about the debt because their employment makes them eligible for student loan forgiveness after 10 years at a non-profit. I always exercise a level of skepticism towards this because a lot of it depends on specifics like working in lower-income areas or in locations like Barrow Alaska (the furthest city north in the United States) which have challenges attracting interested job-seekers. Now, let's assume that student loan forgiveness was this easy and was completely true. It made me curious as to whether or not someone did the math before assuming forgiveness would be to their benefit because most of these programs still require you to make minimum income-driven monthly payments. With that in mind, the government dictated that my wife owed $450/month and that she would need to pay those minimums (and I am not even factoring in the increases that would likely arise as her income grew) for at least 10 years.  With 8 years remaining that works out to be a total of $43,200 by making the minimums. This also assumes that she stayed employed with a non-profit (for the record she left that employer only months after we went through this exercise for a better career opportunity). This would have come at a cost of over $10K of interest paid during this time. At the interest rate of 6%, she would have still had something like $2K (estimating from the loan amortization calculator) of principal left to pay that would ultimately be forgiven. If we continued to pay $800/month it would have been paid in full after 51 months and would have had an interest cost of less than $5K.  Ultimately, when we sold our previous house, we took the proceeds, and we cleared this debt. Between the issues of working in the non-profit sector and how much would actually be forgiven, we saw the cost/benefit as relatively straightforward. So what does this have to do with my retirement articles? We currently have a personal finance crisis in this country that includes record rates of consumer credit card debt, average new car payments in excess of $700/month, climbing mortgage rates, and we have all seen bills for everyday goods like groceries hit by inflation. The average American has little to no safety net built into their budget which is why any increases in living expenses can become very concerning since the potential of student loan payments, which most borrowers haven't considered since pre-COVID, could see as the straw that broke the camel's back. This means that some stocks are going to be in trouble more than others, so the question is, which stocks should we be concerned about? There is no formula or specific sector that we can simply exclude altogether but we can draw some conclusions about the following:  Non-essential products/services Housing (in particular apartment rents) Auto Loans  I wanted to look at some of the stocks held in John and Jane's portfolio that could be impacted. Non-essential products and services could impact:  Lowe's (LOW) EPR Properties (EPR)  This is one reason why we cut the position in LOW by half recently. The stock price has jumped recently as the Q1-2023 earnings report showed strong earnings beat but a significant decrease in revenue. Management noted that the FY-2023 revenue would likely be down 2-4% and FY-2023 earnings guidance was cut down to $13.20-$13.60 per share compared to prior guidance of $13.60-14.00 per share. EPR holds properties like Top Golf, ski resorts, and other experiential real estate which typically carry an expensive price tag. This would suggest consumers that are feeling the pinch would choose to cut back on these expenditures of expenditures since the activity itself is not necessary. To be very clear, I like both LOW and EPR and plan to continue holding shares but the argument I am making is that student loan debt payments resuming is enough for me to at least say that I don't think LOW stock should be trading near its record high. With borrowers already struggling to pay higher car payments, credit cards, and even increased insurance costs/property taxes there are too many factors going against LOW's stock trading at all-time highs. To top it all off the dividend yield is less than 2% there just isn't a compelling reason in my opinion that John and Jane should maintain heavy exposure to the stock until there is a more compelling yield and opportunity for capital appreciation. Data by YCharts Now I am applying this lens when viewing the other holdings to better understand how much exposure exists in John and Jane's portfolio to something like student loan payments. Background For those interested in John and Jane's full background, you can find at least three articles a month published for the last five years detailing the performance of their portfolio. I have continued to evolve the report over time by adding and removing information/images to make the updates more useful to the average investor. Here are the key details that should be understood when reading these updates.  This is a real portfolio with actual shares being traded. This is not a practice portfolio which is why I include screenshots from Charles Schwab to document every change that is made. I am not a financial advisor and merely provide guidance based on a relationship that goes back several years. John retired in January 2018 and has collected Social Security income as his regular source of income. John also currently withdraws $1,000/month from his Traditional IRA. Jane retired at the beginning of 2021 and decided to begin collecting Social Security early and has not made any withdrawals from her retirement accounts yet. John and Jane began drawing funds from the Taxable Account in 2022 at $1,000/month. After speaking with them this amount has been increased to $1,700/month. This withdrawal is still covered entirely by dividend and interest income. John and Jane have other investments outside of what I manage. These investments primarily consist of minimal-risk bonds and low-yield certificates. John and Jane have no debt or monthly payments other than basic recurring bills such as water, power, property taxes, etc.  The reason why I started helping John and Jane with their retirement accounts is that I was infuriated by the fees they were being charged by their previous financial advisor. I do not charge John and Jane for anything that I do. The only request I have made of John and Jane is that they allow me to publish their portfolio anonymously because I want to help as many people as I can while holding myself accountable and improving my thought process. I started this series to address issues I have had when reading other authors with similar types of updates (I am not saying they are wrong, but I found myself questioning their actual performance because they never provided enough information to cover loose ends). Here is My Promise to Readers:  I aim to give as much information as needed so readers can feel confident that what I do is real. Even if you agree the results are real this does not mean I expect you to agree with me and I will always answer constructive criticism whenever possible. I will respond with the same genuine intent that the question was asked with. I am very transparent about the portfolio and consistency is a significant goal of mine. All of my data points (unless noted otherwise) are derived from month-end statements from Charles Schwab. Even when things aren't looking great (Spring 2020 for example) you will know because I provide enough information that it would be impossible for me to manipulate. This article is not intended to be advice or a call to action and is for informational purposes only (I am not a financial advisor and I don't claim to be one). My goal is to challenge conventional thinking and empower you to take control of your investments (if that's something you want to do).  Generating a stable and growing dividend income with an emphasis on capital preservation has become the primary focus of this portfolio. I am least concerned about capital appreciation which is why the decisions made will seem pretty conservative most of the time. I may measure the performance of the portfolio relative to indexes and ETFs but the key metric I am focused on is delivering a more stable source of cash flow to John and Jane over time that allows them to live a comfortable retirement that includes minimal stress related to finances. Dividend Decreases No companies in John's Traditional and Roth IRA accounts eliminated or reduced their dividend during the month of June. Dividend Increases Three companies paid increased dividends/distributions or a special dividend during the month of June.  Columbia Banking System (COLB) Main Street Capital (MAIN) PepsiCo (PEP)  MAIN was covered in Jane's Retirement account update. I will only include information about the dividend increases associated with these. Those interested in reading the summary MAIN can check the links at the end of the article. Columbia Banking System - When Columbia Bank and Umpqua (UMPQ) merged it made sense to take banks with two different focuses and bring them together. Columbia Bank was always known for its business lending prowess and Umpqua had a robust mortgage lending portfolio (I worked at Umpqua as a Secondary Market Analyst hedging the mortgage portfolio and selling mortgage-backed securities for 2.5 years). The dividend increase is a sign to me that the combined entity is on track to reach the cost synergies that were projected from the merger. Nearly every aspect of the balance sheet has improved as a result of the merger, so I do believe that the long-term safety of remaining invested in COLB makes sense. The stock is currently priced at ultimate pessimism, recently trading at a multiple that is less than it was during the initial stages of COVID in 2020. We will likely commit some additional funds to this position because of the potential benefit from capital gains and the compelling dividend yield. COLB - FastGraphs 6-2023 (FastGraphs) The dividend was increased from $.30/share per quarter to $.36/share per quarter. This represents an increase of 20% and a new full-year payout of $1.44/share compared with the previous $1.20/share. This results in a current yield of 6.53% based on the current share price of $21.84. Main Street Capital - A supplemental dividend of $.225/share was issued during the month of June. Pepsi - I think Pepsi is a great company that has made a lot of efficiency improvements over the last few years and John has seen the value of his positions increase significantly during this time. One metric I like to use for PEP is the dividend yield to help determine how attractively (or unattractively) the stock is currently priced. The dividend yield is currently sitting at a 10-year low which suggests that the stock price is likely to plateau in the best-case scenario. This is where I ask the question, should we keep a full position invested or does it make more sense to invest the proceeds in stable certificates that will protect the capital while also returning a yield that is more than double the current dividend yield. These negatives aside, long-term dividend growth investors should take comfort in the recent 10% dividend increase which is higher than the 10-year average increase of 8%. The 50-year history of consecutive dividend increases is also a compelling reason to hold shares over the long run. As for John's portfolio, we have no problem reducing the size of the position and putting funds in a safer instrument that generates more income. PEP - Dividend Yield (CDI) The dividend was increased from $1.15/share per quarter to $1.265/share per quarter. This represents an increase of 10% and a new full-year payout of $5.06/share compared with the previous $4.60/share. This results in a current yield of 2.69% based on the current share price of $187.12. Retirement Account Positions There are currently 37 different positions in John's Traditional IRA and 23 different positions in John's Roth IRA. While this may seem like a lot, it is important to remember that many of these stocks cross over in both accounts and are also held in the Taxable Portfolio. Below is a list of the trades that took place in the Traditional IRA during the month of June. Traditional IRA - June 2023 Trades (Charles Schwab) Below is a list of the trades that took place in the Roth IRA during the month of June. Roth IRA - June 2023 Trades (Charles Schwab) June Income Tracker - 2022 Vs. 2023 2023 dividend income performance was mixed with John's accounts set for a large decrease in the dividend income generated by the Traditional IRA and a large increase in the dividend income generated by the Roth IRA. The reason for the large decrease in the Traditional IRA was due to the special dividend paid by Healthcare Trust of America (HTA) when it was acquired by Healthcare Realty (HR) - This can also be seen in the huge growth in 2022 dividends which came in at a whopping 35.3%. If this dividend is removed then the growth year-over-year is trending as flat overall. While it's possible we could see more special dividends in 2023 I think it's more likely that management will focus on deleveraging or stock buybacks in most cases. The Traditional IRA is expected to generate an average of $1,367.48/month of dividend income in 2023 compared to the average monthly income of $1,485.63 generated in FY-2022. The Roth IRA is expected to generate an average of $818.30/month of dividend income in 2023 compared to the average monthly income of $710.57 generated in FY-2022. Once dividend increases are factored in and the additional interest income from CDs and SWVXX I expect we will see a very light increase in dividend income of 3-4%. (In this assumption I am also factoring out the large special dividend from the HTA acquisition but if I leave that in then I estimate we will see an overall negative combined dividend yield growth of 1-2%.) John plans to continue collecting $1,000/month from his Traditional IRA which matches the amount he withdrew monthly in 2022. SNLH = Stocks No Longer Held - Dividends in this row represent the dividends collected on stocks that are no longer held in that portfolio. We still count the dividend income from stocks no longer held in the portfolio, even though it is non-recurring. All images below come from Consistent Dividend Investor, LLC. (also referred to as CDI as the source below). The tables below represent which companies paid dividends in June 2023 and how that income source has changed since June of the previous year.   Traditional IRA - June - 2022 V 2023 Dividend Breakdown (CDI)  Roth IRA - June - 2022 V 2023 Dividend Breakdown (CDI) The table below represents all income generated in 2022 and collected/expected dividends in 2023. Retirement Projections - June 2023 (CDI) Below gives an extended look back at the dividend income generated when I first began writing these articles. I find this table to be most useful when comparing how dividend income has improved for a specific month over the course of six years. Retirement Projections - June 2023 - Full Dividend History (CDI) The balances below are from June 30, 2023, and all previous month's balances are taken from the end-of-month statement provided by Charles Schwab. Retirement Account - Month End Balances - June 2023 (CDI) The next image is also pulled from the end-of-month statement provided by Charles Schwab which shows the cash balance of the account. **Please note that cash balances may fluctuate based on CD renewal dates and the use of Schwab Value Advantage Money Fund (SWVXX) because I only count the cash that is 100% liquid. There were larger fluctuations in 2019 and 2020 that we the result of deposits and withdrawals being made. There will be no contributions made into either account in 2023 because John is no longer working. Retirement Accounts - June 2023 - Cash Balances (CDI) The next image provides a history of the unrealized gain/loss at the end of each month going back to the beginning of January 2018. Retirement Accounts - June 2023 - Unrealized Gain-Loss (CDI) I think the table above is one of the most important for readers to understand because it paints a story of volatile markets and why we employ the strategy of generating consistent cash flows to overcome the uncertainty of the market. If we were dependent on selling shares to generate income for John and Jane's retirement they would have to be much more considerate of when they withdraw and how much they choose to withdraw. For example, a withdrawal in 2020 where shares must be sold would destroy more value by locking in losses or poor performance by stocks being sold compared to selling the same shares and withdrawing funds in 2021. In an effort to be transparent about John's Account, I would like to include an unrealized Gain/Loss summary. The numbers used are based on the closing prices from July 21, 2023. Normally this would be more recent but I decided to allow my week of vacation to include not working on articles whatsoever.   Traditional IRA - June 2023 - Gain-Loss (CDI)  Roth IRA - June 2023 - Gain-Loss (CDI) It is worth noting in the table above that the yield column is most accurate at the start of the year, but if I reduce the size of positions it may inflate the yield because it is based on how much dividend income is collected. At the same time, it may report excessively low dividends for positions added or significantly increased at the end of the year. The last image represents the withdrawals being made from John's Traditional IRA, as this is the only account he is currently withdrawing funds from. As mentioned before, he continues to withdraw $1,000/month.   Traditional IRA Withdrawals - June 2023 (CDI) Conclusion The July article will begin painting a much clearer picture of the change in strategy where we are reducing or even eliminating some positions in favor of low-risk/zero-risk investments. The cash holdings including money markets and CD's have grown substantially through the sale of holdings that are in many cases near the 52-week-high which means that there really isn't much of an upside to realize (which also means a reversion to a lower price is more likely). PEP from the article is a great example with the share price at a record-high and a dividend yield of 2.69% (and that's after the most recent dividend increase) the stock price doesn't really have any catalysts that would push it higher so we trimmed the position in favor of some brokered CD's/Money Market funds that are generating almost twice the yield with practically no volatility. In John's Traditional and Roth IRAs, he is currently long the following mentioned in this article: AFC Gamma (AFCG), Aflac (AFL), Apple Hospitality REIT (APLE), Avista (AVA), BP p.l.c. (BP), Brixmor Property Group (BRX), Crown Castle (CCI), Canadian Utilities (OTCPK:CDUAF), Chatham Lodging Trust (CLDT), Columbia Banking System (COLB), Chevron (CVX), CSX (CSX), Dominion Energy (D), Deere (DE), Digital Realty Preferred Series J (DLR.PJ), Duke Energy (DUK), Eaton Vance Floating-Rate Advantage Fund (EAFAX), EPR Properties (EPR), EPR Properties Preferred Series G (EPR.PG), Healthcare Realty (HR), Intercontinental Exchange (ICE), Iron Mountain (IRM), Kinder Morgan (KMI), Kite Realty Group (KRG), Lowe's (LOW), Main Street Capital (MAIN), Altria (MO), New Residential Investment Corp. Preferred Series B (NRZ.PB), Realty Income (O), Oshkosh (OSK), Occidental Petroleum Corp. (OXY), Bank OZK (OZK), Bank OZK Preferred Series A (OZKAP), PacWest Bancorp (PACW), PepsiCo (PEP), iShares Preferred and Income Securities ETF (PFF), VanEck Vectors Preferred Securities ex Financials ETF (PFXF), Pinnacle West (PNW), PIMCO Income Fund Class A (PONAX), Nuveen Nasdaq 100 Dynamic Overwrite Fund (QQQX), Global X Funds Nasdaq 100 Covered Call ETF (QYLD), STAG Industrial (STAG), Sun Communities (SUI), Southwest Gas (SWX), AT&T (T), Toronto-Dominion Bank (TD), Truist Financial (TFC), T. Rowe Price (TROW), Cohen&Steers Infrastructure Fund (UTF), Valero (VLO), Ventas (VTR), WestRock (WRK), and W. P. Carey (WPC). Editor's Note: This article discusses one or more securities that do not trade on a major U.S. exchange. Please be aware of the risks associated with these stocks.  Editor's Note: This article discusses one or more securities that do not trade on a major U.S. exchange. Please be aware of the risks associated with these stocks.","news_type":1},"isVote":1,"tweetType":1,"viewCount":370,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9019010217,"gmtCreate":1648491023979,"gmtModify":1676534344453,"author":{"id":"3563603119579403","authorId":"3563603119579403","name":"530314JJM","avatar":"https://static.tigerbbs.com/d4ab8e0d16ad0291bb6aef07edda6aeb","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3563603119579403","authorIdStr":"3563603119579403"},"themes":[],"htmlText":"Like&nbsp;","listText":"Like&nbsp;","text":"Like","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9019010217","repostId":"1145209940","repostType":4,"repost":{"id":"1145209940","kind":"news","pubTimestamp":1648459311,"share":"https://ttm.financial/m/news/1145209940?lang=&edition=fundamental","pubTime":"2022-03-28 17:21","market":"us","language":"en","title":"U.S. Stocks to Watch: SAIC, Coinbase, Jefferies, Express and More","url":"https://stock-news.laohu8.com/highlight/detail?id=1145209940","media":"Benzinga","summary":"Some of the stocks that may grab investor focus today are:Wall Street expects Science Applications I","content":"<html><head></head><body><p>Some of the stocks that may grab investor focus today are:</p><p>Wall Street expects Science Applications International Corporation SAIC to report quarterly earnings at $1.23 per share on revenue of $1.77 billion before the opening bell. SAIC shares gained 2.6% to $94.00 in after-hours trading.</p><p>Coinbase Global Inc COIN is reportedly in talks to acquire 2TM, the parent company of Brazil’s largest crypto exchange Mercado Bitcoin. According to a report from local publication Estadão, Coinbase is expected to close the deal sometime in April. Coinbase shares gained 0.3% to $187.18 in the after-hours trading session.</p><p>Analysts are expecting Jefferies Financial Group Inc. JEF to have earned $0.88 per share on revenue of $1.55 billion for the latest quarter. The company will release quarterly earnings before the markets open. Jefferies shares gained 0.7% to close at $32.35 on Friday.</p><p>Express, Inc. EXPR named Jason Judd as Senior Vice President &amp; Chief Financial Officer. Express shares gained 1.4% to $3.59 in after-hours trading.</p><p>Analysts expect Dave &amp; Buster&#39;s Entertainment, Inc. PLAY to post quarterly earnings at $0.61 per share on revenue of $365.37 million after the closing bell. Dave &amp; Buster&#39;s shares gained 0.8% to $43.69 in after-hours trading.</p></body></html>","source":"lsy1606299360108","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>U.S. Stocks to Watch: SAIC, Coinbase, Jefferies, Express and More</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\">\nU.S. Stocks to Watch: SAIC, Coinbase, Jefferies, Express and More\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-03-28 17:21 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.benzinga.com/news/earnings/22/03/26315631/5-stocks-to-watch-for-march-28-2022><strong>Benzinga</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Some of the stocks that may grab investor focus today are:Wall Street expects Science Applications International Corporation SAIC to report quarterly earnings at $1.23 per share on revenue of $1.77 ...</p>\n\n<a href=\"https://www.benzinga.com/news/earnings/22/03/26315631/5-stocks-to-watch-for-march-28-2022\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"PLAY":"Dave & Buster","SAIC":"Science Applications Internation","COIN":"Coinbase Global, Inc.","JEF":"杰富瑞","EXPR":"Express, Inc."},"source_url":"https://www.benzinga.com/news/earnings/22/03/26315631/5-stocks-to-watch-for-march-28-2022","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1145209940","content_text":"Some of the stocks that may grab investor focus today are:Wall Street expects Science Applications International Corporation SAIC to report quarterly earnings at $1.23 per share on revenue of $1.77 billion before the opening bell. SAIC shares gained 2.6% to $94.00 in after-hours trading.Coinbase Global Inc COIN is reportedly in talks to acquire 2TM, the parent company of Brazil’s largest crypto exchange Mercado Bitcoin. According to a report from local publication Estadão, Coinbase is expected to close the deal sometime in April. Coinbase shares gained 0.3% to $187.18 in the after-hours trading session.Analysts are expecting Jefferies Financial Group Inc. JEF to have earned $0.88 per share on revenue of $1.55 billion for the latest quarter. The company will release quarterly earnings before the markets open. Jefferies shares gained 0.7% to close at $32.35 on Friday.Express, Inc. EXPR named Jason Judd as Senior Vice President & Chief Financial Officer. Express shares gained 1.4% to $3.59 in after-hours trading.Analysts expect Dave & Buster's Entertainment, Inc. PLAY to post quarterly earnings at $0.61 per share on revenue of $365.37 million after the closing bell. Dave & Buster's shares gained 0.8% to $43.69 in after-hours trading.","news_type":1},"isVote":1,"tweetType":1,"viewCount":405,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9019010615,"gmtCreate":1648490985057,"gmtModify":1676534344411,"author":{"id":"3563603119579403","authorId":"3563603119579403","name":"530314JJM","avatar":"https://static.tigerbbs.com/d4ab8e0d16ad0291bb6aef07edda6aeb","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3563603119579403","authorIdStr":"3563603119579403"},"themes":[],"htmlText":"Interesting&nbsp;","listText":"Interesting&nbsp;","text":"Interesting","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9019010615","repostId":"1197498442","repostType":4,"repost":{"id":"1197498442","kind":"news","pubTimestamp":1648459223,"share":"https://ttm.financial/m/news/1197498442?lang=&edition=fundamental","pubTime":"2022-03-28 17:20","market":"us","language":"en","title":"Palantir: It Has A Invisible Glass Ceiling?","url":"https://stock-news.laohu8.com/highlight/detail?id=1197498442","media":"seekingalpha","summary":"SummaryIn my view, the more Palantir grows, the more it will attract public scrutiny over its influe","content":"<html><head></head><body><p><b>Summary</b></p><ul><li>In my view, the more Palantir grows, the more it will attract public scrutiny over its influence.</li><li>Current prices seem to incorporate management&#39;s growth estimates.</li><li>Speculative investors might profit from hyped ticker volatility. However, fundamentally, PLTR doesn&#39;t offer an attractive risk/reward balance.</li></ul><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/be7105a0a2a4e7560a724e681e477dba\" tg-width=\"1536\" tg-height=\"1024\" referrerpolicy=\"no-referrer\"/><span>Drew Angerer/Getty Images News</span></p><p><b>Investment Thesis</b></p><p>When it comes to trade-offs around complex questions such as individual privacy versus collective security, a person will always feel alienated from opinionated dogmatists assertively choosing one side over the other, whether they share the same opinion or not. The reason is that zealots often seem to disregard competing values surrounding such complex questions. In a letter filed to the SEC, Palantir (NYSE:PLTR) CEO states that the data-mining company &#34;have chosen sides,&#34; standing by its government clients &#34;when it is convenient, and when it is not.&#34; Albeit well-intentioned, PLTR&#39;s stance entangled the company in Washington&#39;s debates more than would have been necessary, alienating half of the political institution and perhaps the public. I wasn&#39;t surprised that Avril Haines, the former deputy director of the CIA, removed references to consulting work with the software vendor from her biography shortly after joining the Biden Campaign, as reported by The Intercept.</p><p>Mainstream media captures&#39; the public&#39;s perception of PLTR&#39;s controversial position in the following news headlines and excerpts:</p><blockquote>Palantir trades: Shares in the controversial data analytics company Palantir Technologies begin trading publicly on Wednesday. Financial Times,Sept 2020</blockquote><blockquote>Palantir Embraces Controversial US Government Contract Work - Bloomberg,August 2020</blockquote><blockquote>The U.K. government has ended a controversial data agreement with U.S. tech firm Palantir following criticism from privacy campaigners. CNBC,Sept 2021</blockquote><blockquote>Palantir, the controversial data company, makes its Wall Street debut. CNN,Sept. 2020</blockquote><blockquote>Palantir is not a consumer-facing company but its work has generated public protest. Financial Times,December 2019</blockquote><blockquote>Peter Thiel’s Secretive Data Giant Palantir. WSJ,February 2019</blockquote><p>This image will have a detrimental effect on the company&#39;s plans to become the &#34;default operating system for the government,&#34; a stated goal fully incorporated in its share price. For example, PLTR&#39;s COVID-19 contract to track vaccine and infection data reignited controversies over its work with the Trump administration on immigration executive orders described as &#34;cruel&#34;by human rights organizations,arbitrary, and not justified by The Supreme Court, and controversial in mainstream media (as mentioned above). Its co-founder&#39;s outspoken support for Trump and its CEO&#39;s libertarian views didn&#39;t help either. Several congress members wrote:</p><blockquote>Naturally, we have valid concerns on whether the existing surveillance framework Palantir has created to track and arrest immigrants will be supplemented by the troves of potentially personal health information contained within the HHS Protect platform</blockquote><p>The strong resistance from politicians to give too much power to PLTR despite the COVID crises (letter posted on the Washington Post on July 1, 2020) mirrors the deep-rooted concerns over PLTR&#39;s activities and values. I believe that it is reasonable to say that the bigger PLTR gets, the more it will attract public and private scrutiny over its influence, as happened with the COVID contract.</p><p>PLTR acknowledges that public image and news reports over its operations might harm its shares in SEC disclosures. I don&#39;t think management made enough effort to address this issue beyond its lobbying spending. The way PLTR is depicted on mainstream media challenges its ability to maintain government contracts and expand in the commercial sector, harming its valuation. For example, PLTR has consistently traded below peers with similar growth. Moreover, it lacks the safety net available for other companies, presented by M&amp;A prospects. Given the reputational challenges manifested in the news headlines listed above, I doubt that larger tech firms will line up if management deems M&amp;A is a preferred strategic option, touching on the voting power exclusively held by the company&#39;s three co-founders.</p><p>Finally, the inability of PLTR to penetrate the Fortune 500 market after nineteen years of operations mirrors the commercial sector&#39;s worries of being associated with PLTR, in the same way, that Avril Haines decided to delete references to her work with the company.</p><p><b>Competition</b></p><p>Listening to shareholders&#39; questions, one can&#39;t help but sense a distorted image held by some retail investors regarding PLTR&#39;s competitive stance. For example, one shareholder compares PLTR&#39;s market position to the influence of Microsoft&#39;s (MSFT) MS Office. One asked if PLTR has competitors at all? Some think the PLTR products are so unique that they don&#39;t have competitors.</p><p>PLTR faces intense competition, and its products are replaceable. In 2020, the Anti-money Laundering division of The Department of Justice &#34;DOJ&#34; replaced PLTR with DataWalk (DAT.WA), a small-cap, Polish software vendor.</p><p>Many confuse PLTR&#39;s rapid growth with product superiority. However, its high growth stems from its relatively low revenue base in a large market. In 2018, PLTR won a verdict against the government that now mandates Federal organizations to consider commercial software before attempting to build their own. This, benefits PLTR, but also many of its peers who have built-in software solutions such as Microsoft&#39;sSynapse, Oracle&#39;s (ORCL) Database, Cloudera&#39;s (CLDR) Enterprise Data Hub - part of KKR (KKR), Databricks Lakehouse Platform, IBM&#39;s (IBM) Netezza Performance Server, Neo4j, and NuoDB - part of Dassault Systèmes (OTCPK:DASTY), to name just a few.</p><p>PLTR lists several &#34;strengths&#34; to investors, most of which center around the design of its product, which, to its credit, offers an agile data analytics platform. The company also demonstrated exemplary execution, emphasizing working with IT departments before complicating implementation by incorporating end-users into the discussions. PLTR also reduced installation time, shrinking the sales life cycle. However, I believe each client has different design preferences, and I don&#39;t see PLTR as fundamentally superior to its peers.</p><p><b>Growth</b></p><p>Another sign of the market&#39;s failure to assessing PLTR is the market reaction to its EPS miss, which saw its ticker tumble 13% in mid-day trading. Long-term investors should focus on revenue and revenue per share instead of EPS and net income. PLTR&#39;s business model is profitable, as seen in its high gross margins, and its operating losses are temporarily resulting from its growth initiatives. If it chooses, the company can quickly become profitable simply by halting its growth initiatives, but this wouldn&#39;t be in the interest of long-term investors.</p><p>For example, R&amp;D expenditure mirror costs related to scaling its platform for its clients, signaling higher future revenue despite short-term pressure on net income. Similarly, Selling and Marketing costs mirror expenses related to pilot programs which also reflect an interest in the company&#39;s products.</p><p>I believe that PLTR will continue to grow in the next five years at a decreasing rate. The company increased sales by $450 million in 2021; $287 million from government contracts awarded in previous periods, while the remaining $162 million is growth in its commercial segment.</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/9b9153c643474d5c4458bafa60c64038\" tg-width=\"640\" tg-height=\"83\" referrerpolicy=\"no-referrer\"/><span>SEC Filings</span></p><p>These are solid growth figures, but concerns over management&#39;s ability to maintain these rates will continue suppressing the ticker. Management estimates that its revenue will exceed $4 billion in 2025, which translates to 30% annual growth.</p><p>As mentioned above, I don&#39;t believe that PLTR will ever become the default operating system for the government or the commercial sector. A 30% growth rate will translate to a 5% market share in 2026, at which point, more scrutiny over its influence will restrict its growth, similar to what happened when the Trump administration awarded PLTR the COVID-tracing contract.</p><p><b>Valuation</b></p><p>KKR bought CLDR last year for $5.3 billion. At the time of the Purchase, CLDR TTM revenue was close to PLTR&#39;s 2020 revenue of $1 Billion, valuing the company at a 5.3x Price/Sales ratio.</p><p>Using Price/Sales sheds light on valuation without engaging too much into PLTR&#39;s spending on growth initiatives, mirrored in the R&amp;D and Sales accounts. As mentioned above, these expenses are temporary, and given the stickiness of customers and low variable costs, Price/Sales offers a valuable tool for comparable valuation.</p><p>Applying the Price/Sales of 5.3x on PLTR 2021 annual results yields an $8 billion market cap valuation, much less than the current market cap of $23 billion. This overvaluation is also mirrored in Seeking Alpha Quant Score System, which rates PLTR &#34;D&#34; on valuation.</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/df2f7182f478a620c5b3c75828c82390\" tg-width=\"640\" tg-height=\"217\" referrerpolicy=\"no-referrer\"/><span>Seeking Alpha</span></p><p>Even when considering growth, PLTR seems fully valued. Applying a 5.3x Price/Sales ratio on management&#39;s 2025 revenue estimates ($4.4 billion) translates to a $23 billion market cap, less than its current value. Thus, in my view, PLTR doesn&#39;t offer an attractive risk/reward balance.</p><p><b>How I Might be Wrong</b></p><p>Our thesis rests on the inability of PLTR to achieve the 30% growth target through 2025. However, if PLTR hits this target in the short run, the ticker might rise on investors&#39; optimism, contrary to our expectations.</p><p>The challenge in assigning a valuation to a particular ticker stem from the variability of price multiples. The growth-to-value rotation demonstrates this concept. Thus, a reverse in investors&#39; appetite for risk poses a risk for our hypothesis.</p><p>The increased geopolitical risks might increase demand for Gotham. However, this will enhance PLTR&#39;s image as a defense contractor, igniting controversies about immigrant child separation decrees during the Trump era.</p><p>Finally, news headlines that have often presented PLTR as a controversial company might change tone as the software vendor expands in the commercial sector, positively impacting valuation, making this analysis obsolete.</p><p><b>Summary</b></p><p>Current prices incorporate above-average valuation multiples, mirroring higher growth expectations beyond 2025. Nonetheless, this implies that at some point, PLTR will have a market share above 5% (based on $119 billion TAM) which I believe is the threshold where the company will face increased scrutiny over its influence on the public and private sectors, given the negative media coverage affecting its reputation. For this reason, I maintain a hold rating, noting that while some investors might profit from the stock volatility, I don&#39;t see the company offering an attractive risk/reward balance.</p></body></html>","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>Palantir: It Has A Invisible Glass Ceiling?\t</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\">\nPalantir: It Has A Invisible Glass Ceiling?\t\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-03-28 17:20 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://seekingalpha.com/article/4498065-palantirs-invisible-glass-ceiling><strong>seekingalpha</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>SummaryIn my view, the more Palantir grows, the more it will attract public scrutiny over its influence.Current prices seem to incorporate management's growth estimates.Speculative investors might ...</p>\n\n<a href=\"https://seekingalpha.com/article/4498065-palantirs-invisible-glass-ceiling\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"PLTR":"Palantir Technologies Inc."},"source_url":"https://seekingalpha.com/article/4498065-palantirs-invisible-glass-ceiling","is_english":true,"share_image_url":"https://static.laohu8.com/5a36db9d73b4222bc376d24ccc48c8a4","article_id":"1197498442","content_text":"SummaryIn my view, the more Palantir grows, the more it will attract public scrutiny over its influence.Current prices seem to incorporate management's growth estimates.Speculative investors might profit from hyped ticker volatility. However, fundamentally, PLTR doesn't offer an attractive risk/reward balance.Drew Angerer/Getty Images NewsInvestment ThesisWhen it comes to trade-offs around complex questions such as individual privacy versus collective security, a person will always feel alienated from opinionated dogmatists assertively choosing one side over the other, whether they share the same opinion or not. The reason is that zealots often seem to disregard competing values surrounding such complex questions. In a letter filed to the SEC, Palantir (NYSE:PLTR) CEO states that the data-mining company \"have chosen sides,\" standing by its government clients \"when it is convenient, and when it is not.\" Albeit well-intentioned, PLTR's stance entangled the company in Washington's debates more than would have been necessary, alienating half of the political institution and perhaps the public. I wasn't surprised that Avril Haines, the former deputy director of the CIA, removed references to consulting work with the software vendor from her biography shortly after joining the Biden Campaign, as reported by The Intercept.Mainstream media captures' the public's perception of PLTR's controversial position in the following news headlines and excerpts:Palantir trades: Shares in the controversial data analytics company Palantir Technologies begin trading publicly on Wednesday. Financial Times,Sept 2020Palantir Embraces Controversial US Government Contract Work - Bloomberg,August 2020The U.K. government has ended a controversial data agreement with U.S. tech firm Palantir following criticism from privacy campaigners. CNBC,Sept 2021Palantir, the controversial data company, makes its Wall Street debut. CNN,Sept. 2020Palantir is not a consumer-facing company but its work has generated public protest. Financial Times,December 2019Peter Thiel’s Secretive Data Giant Palantir. WSJ,February 2019This image will have a detrimental effect on the company's plans to become the \"default operating system for the government,\" a stated goal fully incorporated in its share price. For example, PLTR's COVID-19 contract to track vaccine and infection data reignited controversies over its work with the Trump administration on immigration executive orders described as \"cruel\"by human rights organizations,arbitrary, and not justified by The Supreme Court, and controversial in mainstream media (as mentioned above). Its co-founder's outspoken support for Trump and its CEO's libertarian views didn't help either. Several congress members wrote:Naturally, we have valid concerns on whether the existing surveillance framework Palantir has created to track and arrest immigrants will be supplemented by the troves of potentially personal health information contained within the HHS Protect platformThe strong resistance from politicians to give too much power to PLTR despite the COVID crises (letter posted on the Washington Post on July 1, 2020) mirrors the deep-rooted concerns over PLTR's activities and values. I believe that it is reasonable to say that the bigger PLTR gets, the more it will attract public and private scrutiny over its influence, as happened with the COVID contract.PLTR acknowledges that public image and news reports over its operations might harm its shares in SEC disclosures. I don't think management made enough effort to address this issue beyond its lobbying spending. The way PLTR is depicted on mainstream media challenges its ability to maintain government contracts and expand in the commercial sector, harming its valuation. For example, PLTR has consistently traded below peers with similar growth. Moreover, it lacks the safety net available for other companies, presented by M&A prospects. Given the reputational challenges manifested in the news headlines listed above, I doubt that larger tech firms will line up if management deems M&A is a preferred strategic option, touching on the voting power exclusively held by the company's three co-founders.Finally, the inability of PLTR to penetrate the Fortune 500 market after nineteen years of operations mirrors the commercial sector's worries of being associated with PLTR, in the same way, that Avril Haines decided to delete references to her work with the company.CompetitionListening to shareholders' questions, one can't help but sense a distorted image held by some retail investors regarding PLTR's competitive stance. For example, one shareholder compares PLTR's market position to the influence of Microsoft's (MSFT) MS Office. One asked if PLTR has competitors at all? Some think the PLTR products are so unique that they don't have competitors.PLTR faces intense competition, and its products are replaceable. In 2020, the Anti-money Laundering division of The Department of Justice \"DOJ\" replaced PLTR with DataWalk (DAT.WA), a small-cap, Polish software vendor.Many confuse PLTR's rapid growth with product superiority. However, its high growth stems from its relatively low revenue base in a large market. In 2018, PLTR won a verdict against the government that now mandates Federal organizations to consider commercial software before attempting to build their own. This, benefits PLTR, but also many of its peers who have built-in software solutions such as Microsoft'sSynapse, Oracle's (ORCL) Database, Cloudera's (CLDR) Enterprise Data Hub - part of KKR (KKR), Databricks Lakehouse Platform, IBM's (IBM) Netezza Performance Server, Neo4j, and NuoDB - part of Dassault Systèmes (OTCPK:DASTY), to name just a few.PLTR lists several \"strengths\" to investors, most of which center around the design of its product, which, to its credit, offers an agile data analytics platform. The company also demonstrated exemplary execution, emphasizing working with IT departments before complicating implementation by incorporating end-users into the discussions. PLTR also reduced installation time, shrinking the sales life cycle. However, I believe each client has different design preferences, and I don't see PLTR as fundamentally superior to its peers.GrowthAnother sign of the market's failure to assessing PLTR is the market reaction to its EPS miss, which saw its ticker tumble 13% in mid-day trading. Long-term investors should focus on revenue and revenue per share instead of EPS and net income. PLTR's business model is profitable, as seen in its high gross margins, and its operating losses are temporarily resulting from its growth initiatives. If it chooses, the company can quickly become profitable simply by halting its growth initiatives, but this wouldn't be in the interest of long-term investors.For example, R&D expenditure mirror costs related to scaling its platform for its clients, signaling higher future revenue despite short-term pressure on net income. Similarly, Selling and Marketing costs mirror expenses related to pilot programs which also reflect an interest in the company's products.I believe that PLTR will continue to grow in the next five years at a decreasing rate. The company increased sales by $450 million in 2021; $287 million from government contracts awarded in previous periods, while the remaining $162 million is growth in its commercial segment.SEC FilingsThese are solid growth figures, but concerns over management's ability to maintain these rates will continue suppressing the ticker. Management estimates that its revenue will exceed $4 billion in 2025, which translates to 30% annual growth.As mentioned above, I don't believe that PLTR will ever become the default operating system for the government or the commercial sector. A 30% growth rate will translate to a 5% market share in 2026, at which point, more scrutiny over its influence will restrict its growth, similar to what happened when the Trump administration awarded PLTR the COVID-tracing contract.ValuationKKR bought CLDR last year for $5.3 billion. At the time of the Purchase, CLDR TTM revenue was close to PLTR's 2020 revenue of $1 Billion, valuing the company at a 5.3x Price/Sales ratio.Using Price/Sales sheds light on valuation without engaging too much into PLTR's spending on growth initiatives, mirrored in the R&D and Sales accounts. As mentioned above, these expenses are temporary, and given the stickiness of customers and low variable costs, Price/Sales offers a valuable tool for comparable valuation.Applying the Price/Sales of 5.3x on PLTR 2021 annual results yields an $8 billion market cap valuation, much less than the current market cap of $23 billion. This overvaluation is also mirrored in Seeking Alpha Quant Score System, which rates PLTR \"D\" on valuation.Seeking AlphaEven when considering growth, PLTR seems fully valued. Applying a 5.3x Price/Sales ratio on management's 2025 revenue estimates ($4.4 billion) translates to a $23 billion market cap, less than its current value. Thus, in my view, PLTR doesn't offer an attractive risk/reward balance.How I Might be WrongOur thesis rests on the inability of PLTR to achieve the 30% growth target through 2025. However, if PLTR hits this target in the short run, the ticker might rise on investors' optimism, contrary to our expectations.The challenge in assigning a valuation to a particular ticker stem from the variability of price multiples. The growth-to-value rotation demonstrates this concept. Thus, a reverse in investors' appetite for risk poses a risk for our hypothesis.The increased geopolitical risks might increase demand for Gotham. However, this will enhance PLTR's image as a defense contractor, igniting controversies about immigrant child separation decrees during the Trump era.Finally, news headlines that have often presented PLTR as a controversial company might change tone as the software vendor expands in the commercial sector, positively impacting valuation, making this analysis obsolete.SummaryCurrent prices incorporate above-average valuation multiples, mirroring higher growth expectations beyond 2025. Nonetheless, this implies that at some point, PLTR will have a market share above 5% (based on $119 billion TAM) which I believe is the threshold where the company will face increased scrutiny over its influence on the public and private sectors, given the negative media coverage affecting its reputation. For this reason, I maintain a hold rating, noting that while some investors might profit from the stock volatility, I don't see the company offering an attractive risk/reward balance.","news_type":1},"isVote":1,"tweetType":1,"viewCount":441,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9010486234,"gmtCreate":1648448854281,"gmtModify":1676534339236,"author":{"id":"3563603119579403","authorId":"3563603119579403","name":"530314JJM","avatar":"https://static.tigerbbs.com/d4ab8e0d16ad0291bb6aef07edda6aeb","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3563603119579403","authorIdStr":"3563603119579403"},"themes":[],"htmlText":"Like it&nbsp;","listText":"Like it&nbsp;","text":"Like it","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9010486234","repostId":"1191611475","repostType":2,"repost":{"id":"1191611475","kind":"news","pubTimestamp":1648341534,"share":"https://ttm.financial/m/news/1191611475?lang=&edition=fundamental","pubTime":"2022-03-27 08:38","market":"us","language":"en","title":"SoFi Stock Bulls Can Rejoice as a Great Catalyst Is Coming Up","url":"https://stock-news.laohu8.com/highlight/detail?id=1191611475","media":"investorplace","summary":"SoFi’s (NASDAQ:SOFI) stock has been declining, and it’s not surprising. Investing in fintech stocks ","content":"<html><head></head><body><p>SoFi’s (NASDAQ:SOFI) stock has been declining, and it’s not surprising. Investing in fintech stocks during this time is often considered a tough decision. The tensions between Russia and Ukraine are heating up.</p><p>The Federal Reserve is looking to reign in inflation through interest rate hikes on the domestic front. However, considering the positive catalysts on the horizon now is not the time to part ways with SoFi stock.</p><p>The financial industry is changing rapidly, and the pace of innovation is increasing. Banks are increasingly using APIs to power their business. They are also looking for new ways to compete with fintech, which offers various products and services.</p><p>SoFi is a successful example of a company that has transformed the banking industry by offering customers a “one-stop-shop” financial services platform that includes personal loans, mortgages, savings accounts, and wealth management products. SoFi’s success can be attributed to its innovative business model and focus on customer experience.</p><p>One of the biggest pieces of news coming from SoFi was its fourth-quarter earnings report and its recent approval for a bank charter. Both of the announcements were positive catalysts for the stock. This is great news for existing SoFi customers and investors looking to invest in the company.</p><p>But shares of the company are still trading at cheap multiples versus their 52-week high. That is why many risk-tolerant investors are drooling at the prospect of investing in this one.</p><h2>Student Debt Refinancing Volume Returning</h2><p>Despite the negative market sentiment, SoFi is not making any wrong moves. The overall market machinations are having an impact on every tech stock out there.</p><p>Management took several steps to help the company deal with the pandemic, and they have done a great job meeting these challenges. Despite seeing its student loan origination volume drop drastically, the company managed to do well because of a three-business segment operating model. The CARES Act led to lower student loan origination after the virus. The legislation kept a freeze in effect during the pandemic. After that, there have been several extensions, and the latest one ends on May 1.</p><p>Lawmakers could push for extensions. However, the pandemic has receded, and things are getting back to normal. Therefore, it is likely that this is the last extension. If that is the case, then the student loan business can return and drive returns in the second half of the year. That is a major catalyst that the company can look forward towards.</p><h2>Diversifying the Revenue Mix</h2><p>Interestingly, Covid-19 allowed the company to reassess its product portfolio. In doing so, it managed to power its portfolio with new products. Its Galileo and Financial Services segments proved money-spinners in this regard, and you can make a case that they can outperform the Lending segment in the long run.</p><p>Galileo is a payment platform that provides customers with an API. The platform allows merchants to create their own branded payment cards, which customers can use to make payments.</p><p>Galileo offers a solution for businesses and consumers who want to avoid the high transaction fees associated with credit and debit card transactions.</p><p>Technology Platform segment net revenue for the fourth quarter of 2021 was $53.3 million, which is up 42% from the comparable prior-year period. For the full year of 2021, segment net revenue was $194.9 million, representing year-on-year growth of 102%.</p><p>Meanwhile, the company’s financial services segment includes SoFi Invest, Money, Credit Card, and Lantern by SoFi.</p><p>The fourth-quarter revenue for this division was $22 million, which was more than five times the total revenue from 2020. This is a significant accomplishment made while building out this segment.</p><p>In addition, the company is nearing the closure of its purchase of Technisys in an all-stock deal worth $1.1 billion. This deal will allow the company to grow its user base in Latin America and also improve services in terms of personalized offerings. In addition, the agreement is expected to reduce operating expenses by $75 million to $85 million between 2023 and 2025. As my colleague, Vandita Jadeja said, the purchase is another step toward becoming a one-stop-shop for all financial services.</p><h2>The Bottom Line</h2><p>Due to the bearish market sentiment, investors are avoiding fintech stocks. However, it’s important to judge every company on its merits. The broader market issues will impact the price. Ultimately, though, the markets will reward a strong operating model.</p><p>SoFi has all the advantages to succeed in the future. They can offer lower interest rates and flexible repayment plans, making their services more attractive than other lenders. Plus, as the end of a federal moratorium nears, it has an additional catalyst that will power its returns through the year.</p></body></html>","source":"lsy1606302653667","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>SoFi Stock Bulls Can Rejoice as a Great Catalyst Is Coming Up</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\">\nSoFi Stock Bulls Can Rejoice as a Great Catalyst Is Coming Up\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-03-27 08:38 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://investorplace.com/2022/03/sofi-stock-bulls-can-rejoice-as-a-great-catalyst-is-coming-up/><strong>investorplace</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>SoFi’s (NASDAQ:SOFI) stock has been declining, and it’s not surprising. Investing in fintech stocks during this time is often considered a tough decision. The tensions between Russia and Ukraine are ...</p>\n\n<a href=\"https://investorplace.com/2022/03/sofi-stock-bulls-can-rejoice-as-a-great-catalyst-is-coming-up/\">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://investorplace.com/2022/03/sofi-stock-bulls-can-rejoice-as-a-great-catalyst-is-coming-up/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1191611475","content_text":"SoFi’s (NASDAQ:SOFI) stock has been declining, and it’s not surprising. Investing in fintech stocks during this time is often considered a tough decision. The tensions between Russia and Ukraine are heating up.The Federal Reserve is looking to reign in inflation through interest rate hikes on the domestic front. However, considering the positive catalysts on the horizon now is not the time to part ways with SoFi stock.The financial industry is changing rapidly, and the pace of innovation is increasing. Banks are increasingly using APIs to power their business. They are also looking for new ways to compete with fintech, which offers various products and services.SoFi is a successful example of a company that has transformed the banking industry by offering customers a “one-stop-shop” financial services platform that includes personal loans, mortgages, savings accounts, and wealth management products. SoFi’s success can be attributed to its innovative business model and focus on customer experience.One of the biggest pieces of news coming from SoFi was its fourth-quarter earnings report and its recent approval for a bank charter. Both of the announcements were positive catalysts for the stock. This is great news for existing SoFi customers and investors looking to invest in the company.But shares of the company are still trading at cheap multiples versus their 52-week high. That is why many risk-tolerant investors are drooling at the prospect of investing in this one.Student Debt Refinancing Volume ReturningDespite the negative market sentiment, SoFi is not making any wrong moves. The overall market machinations are having an impact on every tech stock out there.Management took several steps to help the company deal with the pandemic, and they have done a great job meeting these challenges. Despite seeing its student loan origination volume drop drastically, the company managed to do well because of a three-business segment operating model. The CARES Act led to lower student loan origination after the virus. The legislation kept a freeze in effect during the pandemic. After that, there have been several extensions, and the latest one ends on May 1.Lawmakers could push for extensions. However, the pandemic has receded, and things are getting back to normal. Therefore, it is likely that this is the last extension. If that is the case, then the student loan business can return and drive returns in the second half of the year. That is a major catalyst that the company can look forward towards.Diversifying the Revenue MixInterestingly, Covid-19 allowed the company to reassess its product portfolio. In doing so, it managed to power its portfolio with new products. Its Galileo and Financial Services segments proved money-spinners in this regard, and you can make a case that they can outperform the Lending segment in the long run.Galileo is a payment platform that provides customers with an API. The platform allows merchants to create their own branded payment cards, which customers can use to make payments.Galileo offers a solution for businesses and consumers who want to avoid the high transaction fees associated with credit and debit card transactions.Technology Platform segment net revenue for the fourth quarter of 2021 was $53.3 million, which is up 42% from the comparable prior-year period. For the full year of 2021, segment net revenue was $194.9 million, representing year-on-year growth of 102%.Meanwhile, the company’s financial services segment includes SoFi Invest, Money, Credit Card, and Lantern by SoFi.The fourth-quarter revenue for this division was $22 million, which was more than five times the total revenue from 2020. This is a significant accomplishment made while building out this segment.In addition, the company is nearing the closure of its purchase of Technisys in an all-stock deal worth $1.1 billion. This deal will allow the company to grow its user base in Latin America and also improve services in terms of personalized offerings. In addition, the agreement is expected to reduce operating expenses by $75 million to $85 million between 2023 and 2025. As my colleague, Vandita Jadeja said, the purchase is another step toward becoming a one-stop-shop for all financial services.The Bottom LineDue to the bearish market sentiment, investors are avoiding fintech stocks. However, it’s important to judge every company on its merits. The broader market issues will impact the price. Ultimately, though, the markets will reward a strong operating model.SoFi has all the advantages to succeed in the future. They can offer lower interest rates and flexible repayment plans, making their services more attractive than other lenders. Plus, as the end of a federal moratorium nears, it has an additional catalyst that will power its returns through the year.","news_type":1},"isVote":1,"tweetType":1,"viewCount":362,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9010481795,"gmtCreate":1648448532553,"gmtModify":1676534339188,"author":{"id":"3563603119579403","authorId":"3563603119579403","name":"530314JJM","avatar":"https://static.tigerbbs.com/d4ab8e0d16ad0291bb6aef07edda6aeb","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3563603119579403","authorIdStr":"3563603119579403"},"themes":[],"htmlText":"Like it&nbsp;","listText":"Like it&nbsp;","text":"Like it","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9010481795","repostId":"1131341417","repostType":4,"repost":{"id":"1131341417","kind":"news","pubTimestamp":1648436947,"share":"https://ttm.financial/m/news/1131341417?lang=&edition=fundamental","pubTime":"2022-03-28 11:09","market":"us","language":"en","title":"Wells Fargo Pounds the Table on Amazon Stock","url":"https://stock-news.laohu8.com/highlight/detail?id=1131341417","media":"TipRanks","summary":"Following 2020’s depressed levels of brick and mortar retail success vs. the outsized gains of the e","content":"<div>\n<p>Following 2020’s depressed levels of brick and mortar retail success vs. the outsized gains of the ecommerce space, 2021 offered a reversal of fortunes. The softlines retail segment made a comeback ...</p>\n\n<a href=\"https://www.tipranks.com/news/article/wells-fargo-pounds-the-table-on-amazon-stock/\">Web Link</a>\n\n</div>\n","source":"lsy1606183248679","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>Wells Fargo Pounds the Table on Amazon Stock</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\">\nWells Fargo Pounds the Table on Amazon Stock\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-03-28 11:09 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.tipranks.com/news/article/wells-fargo-pounds-the-table-on-amazon-stock/><strong>TipRanks</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Following 2020’s depressed levels of brick and mortar retail success vs. the outsized gains of the ecommerce space, 2021 offered a reversal of fortunes. The softlines retail segment made a comeback ...</p>\n\n<a href=\"https://www.tipranks.com/news/article/wells-fargo-pounds-the-table-on-amazon-stock/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"AMZN":"亚马逊"},"source_url":"https://www.tipranks.com/news/article/wells-fargo-pounds-the-table-on-amazon-stock/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1131341417","content_text":"Following 2020’s depressed levels of brick and mortar retail success vs. the outsized gains of the ecommerce space, 2021 offered a reversal of fortunes. The softlines retail segment made a comeback while ecommerce growth slowed down.That could have been somewhat expected with the economy reopening following 2020’s pandemic-driven lockdowns. However, Well Fargo analyst Brian Fitzgerald says it’s clear that the COVID-19 pandemic “pulled forward 4-5 years of ecommerce penetration.”“Despite those slowing ecomm trends last year,” the analyst went on to say, “we expect the shift to ecommerce is likely to stick’ and Amazon (AMZN)—as the #1 apparel retailer in the country—remains the 800-lb gorilla in the space, with clear ambitions to take ongoing share in the category.”With third-party sales included, Fitzgerald estimates U.S. apparel/ footwear sales on Amazon are now more than $65 billion, which is almost double that of Walmart, the nearest rival. This amounts to a “highly impressive” ~15% share of all U.S. apparel sales. Even more impressively, it amounts to a 35-40% share of all online apparel sales. “We currently estimate AMZN will surpass $73B in apparel/footwear sales in 2022,” the analyst added.And going by the latest Wells Fargo survey, Amazon’s dominance looks set to keep on growing. Amongst 1,000 U.S. Amazon shoppers surveyed, in Apparel/footwear categories, Amazon made a ~100bps YoY share gain in 2021 to reach 15% while also showing a~400bps gain compared to pre-pandemic levels.Moreover, over the last year, consumers’ appetite for fashion apparel items such as jeans and dresses on Amazon has significantly increased. Compared to the 9thspot it held last year, fashion apparel has become a “top 3 category.” This points to the “headway Amazon has made towards becoming a destination for fashion apparel in the eyes of the consumer.”Down to the nitty-gritty, what does this all mean for investors? Fitzgerald reiterated an Overweight (i.e., Buy) rating along with a $4,250 price target. Investors are looking at 12-month returns of 36%, should the forecast work out as planned.The rest of the Street is in full agreement here. Based on Buys only – 34, in total – the analyst consensus rates this stock a Strong Buy. The average price target is only slightly lower than Fitzgerald’s; at $4,185 and change, the figure is set to generate 12-month returns of 28%.","news_type":1},"isVote":1,"tweetType":1,"viewCount":394,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9010481050,"gmtCreate":1648448347591,"gmtModify":1676534339172,"author":{"id":"3563603119579403","authorId":"3563603119579403","name":"530314JJM","avatar":"https://static.tigerbbs.com/d4ab8e0d16ad0291bb6aef07edda6aeb","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3563603119579403","authorIdStr":"3563603119579403"},"themes":[],"htmlText":"Like it","listText":"Like it","text":"Like it","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9010481050","repostId":"2222985234","repostType":4,"repost":{"id":"2222985234","kind":"news","pubTimestamp":1648445522,"share":"https://ttm.financial/m/news/2222985234?lang=&edition=fundamental","pubTime":"2022-03-28 13:32","market":"us","language":"en","title":"Block: Violent Move Likely","url":"https://stock-news.laohu8.com/highlight/detail?id=2222985234","media":"seekingalpha","summary":"So, everyone has watched as there was a massive reset in tech names. Without question, Block (NYSE:N","content":"<html><head></head><body><p>So, everyone has watched as there was a massive reset in tech names. Without question, <a href=\"https://laohu8.com/S/SQ\">Block</a> (NYSE:NYSE:SQ), formerly known as Square, is a real fintech powerhouse and this entire sector got smashed in the last month or so. The action in the space reminds us very much of what we saw in prolonged crashes like the dotcom bubble, or even the bear market that was the financial crisis in 2008-2009. Block&#39;s share price had fallen from nearly $290 to just over $82 peak to trough in the last few months, which is good for a 70% plus fall, but looks like a near-term bottom has been put in.</p><p>In our last buy call on the stock, we were quite clear that the company is growing like wildfire, and was moving more into profitability. We put out a buy alert because shares actually became reasonably valued when they dipped under $100. As traders we had to pounce sub $100, good for a 30%-40% gain. That rapid-return was a bit of luck, but the buy reasoning was rooted in buying up an oversold stock in &#39;tech value&#39; territory as we like to say. Further, a high degree of short interest covering helped move the stock in the last week or two.</p><p>Make no mistake, we think the stock climbs back toward that $200 level this year. We think the stock, while trading a bit more calmly, is set to have a very volatile move either back to this near $200 level, or back to test lows. We think the latter will need some more market nervousness, while the former will need to see some bullish catalysts like the end of the war in Ukraine peacefully. Right now the stock has corrected, but is now looking for direction, and it is not going to be sideways in our opinion. Block&#39;s most recently reported numbers show the company remains operationally sound, despite the market giving it a major haircut (even after the bounce). We expect the stock to move sharply, taking cues from the macro situation.</p><h2>Block&#39;s Q4 top and bottom lines</h2><p>The company continues to see significant expansion. In Q4, revenue was $4.08 billion and this was up a solid 29% year-over-year. Further, we need to reiterate that this was a beat versus consensus estimates. All lines of business are performing well and overall, gross profit was $1.18 billion, which was up 47% year-over-year. Further, transaction revenue grew.</p><h2>Revenues from transactions grow and these volumes are key</h2><p>It is really important to note that revenue from transactions was $1.31 billion rising 41% year-over-year, while gross profit was $545 million, up 39% from the year ago quarter. These numbers show the strength of the expansion the company has enjoyed. Transaction volume is critical folks. Critical. That said, volumes were better than expected, surging from a year ago. Square processed $46.3 billion in GPV up 45% year-over-year. Services-based revenue increased to $772 million while gross profit was $622 million, up 63% year-over-year. Very solid. With a hot economy, we expect ongoing strength.</p><h2>Crypto and Cash App continue to go strong</h2><p>Cash App which has driven so much growth for Block over the years. Cash App generated $2.55 billion of revenue in Q4 and $518 million of gross profit. This was a big increase from last year. It&#39;s worth noting that the price of Bitcoin was a bit weak in Q4. The volatility helps with trading revenue, but the company has a good amount of exposure to Bitcoin on its balance sheet. As Block owns a lot of Bitcoin, the stock to continue trades with a mild correlation with the price of bitcoin. However, the bulk of the business is still transaction based, and small business is back too. Retention remains strong and frankly it is regular active customers that are driving transaction revenues. And with small business no longer reeling from COVID, they are contributing heavily again to Block&#39;s revenues. In fact, small businesses, through the Square ecosystem, were responsible for $1.47 billion of revenue and $657 million of gross profit, both up over 49% and 54% from a year ago, respectively. Once again, solid growth.</p><h2>SQ stock will violently rally if the company really turns profitable</h2><p>These high revenue growth, little to no earnings names have been crushed of late with the pending rate hike cycle, and market selloff. For Block, revenue is clearly in growth mode and the company is actually earnings positive. But it really needs to expand earnings for valuation to improve. The stock has fallen tremendously, which artificially improved valuation, and made it a buy. But margins, and of course expenses, are key to watch. While gross profit is solid, operating expenses are very high, and they even rose this quarter. The rose so much the degree of increase outpaced the revenue gains. Operating expenses were $1.24 billion, rising 63% year-over-year and this led to net losses in the quarter. Net loss was $77 million, while EPS was a loss of $0.15. For the year, the company saw net income of $0.44 per share. This puts the stock at some 300X trailing earnings. What about as we look ahead?</p><h2>Looking ahead</h2><p>As we look ahead to the year, we expect $1.00-$2.00 in EPS; this puts the stock at a still pricey but much more reasonable 130 to 65X FWD EPS. Yes it is still pricey, but if bitcoin takes off, so will the stock. Small business is back. Other valuation metrics suggest the stock remains attractive at $130, like the 2.9X price to sales. The company will grow much larger in the next two years as long as the economy does not go into recession. While some see this as possible, we are in the strong economy camp. We believe shares are a buy here.</p></body></html>","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>Block: Violent Move Likely</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\">\nBlock: Violent Move Likely\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-03-28 13:32 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://seekingalpha.com/article/4498038-block-sq-stock-violent-move-likely><strong>seekingalpha</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>So, everyone has watched as there was a massive reset in tech names. Without question, Block (NYSE:NYSE:SQ), formerly known as Square, is a real fintech powerhouse and this entire sector got smashed ...</p>\n\n<a href=\"https://seekingalpha.com/article/4498038-block-sq-stock-violent-move-likely\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"SQ":"Block"},"source_url":"https://seekingalpha.com/article/4498038-block-sq-stock-violent-move-likely","is_english":true,"share_image_url":"https://static.laohu8.com/5a36db9d73b4222bc376d24ccc48c8a4","article_id":"2222985234","content_text":"So, everyone has watched as there was a massive reset in tech names. Without question, Block (NYSE:NYSE:SQ), formerly known as Square, is a real fintech powerhouse and this entire sector got smashed in the last month or so. The action in the space reminds us very much of what we saw in prolonged crashes like the dotcom bubble, or even the bear market that was the financial crisis in 2008-2009. Block's share price had fallen from nearly $290 to just over $82 peak to trough in the last few months, which is good for a 70% plus fall, but looks like a near-term bottom has been put in.In our last buy call on the stock, we were quite clear that the company is growing like wildfire, and was moving more into profitability. We put out a buy alert because shares actually became reasonably valued when they dipped under $100. As traders we had to pounce sub $100, good for a 30%-40% gain. That rapid-return was a bit of luck, but the buy reasoning was rooted in buying up an oversold stock in 'tech value' territory as we like to say. Further, a high degree of short interest covering helped move the stock in the last week or two.Make no mistake, we think the stock climbs back toward that $200 level this year. We think the stock, while trading a bit more calmly, is set to have a very volatile move either back to this near $200 level, or back to test lows. We think the latter will need some more market nervousness, while the former will need to see some bullish catalysts like the end of the war in Ukraine peacefully. Right now the stock has corrected, but is now looking for direction, and it is not going to be sideways in our opinion. Block's most recently reported numbers show the company remains operationally sound, despite the market giving it a major haircut (even after the bounce). We expect the stock to move sharply, taking cues from the macro situation.Block's Q4 top and bottom linesThe company continues to see significant expansion. In Q4, revenue was $4.08 billion and this was up a solid 29% year-over-year. Further, we need to reiterate that this was a beat versus consensus estimates. All lines of business are performing well and overall, gross profit was $1.18 billion, which was up 47% year-over-year. Further, transaction revenue grew.Revenues from transactions grow and these volumes are keyIt is really important to note that revenue from transactions was $1.31 billion rising 41% year-over-year, while gross profit was $545 million, up 39% from the year ago quarter. These numbers show the strength of the expansion the company has enjoyed. Transaction volume is critical folks. Critical. That said, volumes were better than expected, surging from a year ago. Square processed $46.3 billion in GPV up 45% year-over-year. Services-based revenue increased to $772 million while gross profit was $622 million, up 63% year-over-year. Very solid. With a hot economy, we expect ongoing strength.Crypto and Cash App continue to go strongCash App which has driven so much growth for Block over the years. Cash App generated $2.55 billion of revenue in Q4 and $518 million of gross profit. This was a big increase from last year. It's worth noting that the price of Bitcoin was a bit weak in Q4. The volatility helps with trading revenue, but the company has a good amount of exposure to Bitcoin on its balance sheet. As Block owns a lot of Bitcoin, the stock to continue trades with a mild correlation with the price of bitcoin. However, the bulk of the business is still transaction based, and small business is back too. Retention remains strong and frankly it is regular active customers that are driving transaction revenues. And with small business no longer reeling from COVID, they are contributing heavily again to Block's revenues. In fact, small businesses, through the Square ecosystem, were responsible for $1.47 billion of revenue and $657 million of gross profit, both up over 49% and 54% from a year ago, respectively. Once again, solid growth.SQ stock will violently rally if the company really turns profitableThese high revenue growth, little to no earnings names have been crushed of late with the pending rate hike cycle, and market selloff. For Block, revenue is clearly in growth mode and the company is actually earnings positive. But it really needs to expand earnings for valuation to improve. The stock has fallen tremendously, which artificially improved valuation, and made it a buy. But margins, and of course expenses, are key to watch. While gross profit is solid, operating expenses are very high, and they even rose this quarter. The rose so much the degree of increase outpaced the revenue gains. Operating expenses were $1.24 billion, rising 63% year-over-year and this led to net losses in the quarter. Net loss was $77 million, while EPS was a loss of $0.15. For the year, the company saw net income of $0.44 per share. This puts the stock at some 300X trailing earnings. What about as we look ahead?Looking aheadAs we look ahead to the year, we expect $1.00-$2.00 in EPS; this puts the stock at a still pricey but much more reasonable 130 to 65X FWD EPS. Yes it is still pricey, but if bitcoin takes off, so will the stock. Small business is back. Other valuation metrics suggest the stock remains attractive at $130, like the 2.9X price to sales. The company will grow much larger in the next two years as long as the economy does not go into recession. While some see this as possible, we are in the strong economy camp. We believe shares are a buy here.","news_type":1},"isVote":1,"tweetType":1,"viewCount":419,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9010489759,"gmtCreate":1648448102398,"gmtModify":1676534339132,"author":{"id":"3563603119579403","authorId":"3563603119579403","name":"530314JJM","avatar":"https://static.tigerbbs.com/d4ab8e0d16ad0291bb6aef07edda6aeb","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3563603119579403","authorIdStr":"3563603119579403"},"themes":[],"htmlText":"Like&nbsp;","listText":"Like&nbsp;","text":"Like","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9010489759","repostId":"1170959796","repostType":4,"repost":{"id":"1170959796","kind":"news","pubTimestamp":1648422870,"share":"https://ttm.financial/m/news/1170959796?lang=&edition=fundamental","pubTime":"2022-03-28 07:14","market":"other","language":"en","title":"ASX Rises as BHP, Rio Lead","url":"https://stock-news.laohu8.com/highlight/detail?id=1170959796","media":"Australian Financial Review","summary":"The Australian sharemarket has risen at the open, led by the major miners, amid a rally in bond yiel","content":"<html><head></head><body><p>The Australian sharemarket has risen at the open, led by the major miners, amid a rally in bond yields.</p><p>The S&amp;P/ASX 200 Index was up 16 points, or 0.2 per cent, to 7422.2 at the open.</p><p>BHP Group climbed 1.4 per cent to $50.45, Rio Tinto advanced 2 per cent to $119.16 and Fortescue Metals Group rose 2 per cent to $19.65.</p><p>Incitec Pivot rose 4.7 per cent to $4.04, Pilbara Minerals added 2.8 per cent to $3.30 and Mineral Resources advanced 2.8 per cent to $50.03.</p><p>CSL was leading the losses, down 1.1 per cent to $26.191 while Block had declined 2.7 per cent to $173.21.</p></body></html>","source":"lsy1647818771712","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>ASX Rises as BHP, Rio Lead</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\">\nASX Rises as BHP, Rio Lead\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-03-28 07:14 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.afr.com/markets/equity-markets/asx-to-rise-bond-yields-march-higher-20220328-p5a8gb><strong>Australian Financial Review</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>The Australian sharemarket has risen at the open, led by the major miners, amid a rally in bond yields.The S&P/ASX 200 Index was up 16 points, or 0.2 per cent, to 7422.2 at the open.BHP Group climbed ...</p>\n\n<a href=\"https://www.afr.com/markets/equity-markets/asx-to-rise-bond-yields-march-higher-20220328-p5a8gb\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"XKO.AU":"标普/澳交所 300指数","XJO.AU":"标普/澳交所 200指数","XAO.AU":"标普/澳交所 普通股指数"},"source_url":"https://www.afr.com/markets/equity-markets/asx-to-rise-bond-yields-march-higher-20220328-p5a8gb","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1170959796","content_text":"The Australian sharemarket has risen at the open, led by the major miners, amid a rally in bond yields.The S&P/ASX 200 Index was up 16 points, or 0.2 per cent, to 7422.2 at the open.BHP Group climbed 1.4 per cent to $50.45, Rio Tinto advanced 2 per cent to $119.16 and Fortescue Metals Group rose 2 per cent to $19.65.Incitec Pivot rose 4.7 per cent to $4.04, Pilbara Minerals added 2.8 per cent to $3.30 and Mineral Resources advanced 2.8 per cent to $50.03.CSL was leading the losses, down 1.1 per cent to $26.191 while Block had declined 2.7 per cent to $173.21.","news_type":1},"isVote":1,"tweetType":1,"viewCount":302,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9010489586,"gmtCreate":1648448069670,"gmtModify":1676534339132,"author":{"id":"3563603119579403","authorId":"3563603119579403","name":"530314JJM","avatar":"https://static.tigerbbs.com/d4ab8e0d16ad0291bb6aef07edda6aeb","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3563603119579403","authorIdStr":"3563603119579403"},"themes":[],"htmlText":"Like&nbsp;","listText":"Like&nbsp;","text":"Like","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9010489586","repostId":"1129748367","repostType":4,"repost":{"id":"1129748367","kind":"news","pubTimestamp":1648434945,"share":"https://ttm.financial/m/news/1129748367?lang=&edition=fundamental","pubTime":"2022-03-28 10:35","market":"other","language":"en","title":"What Is the Outlook for ASX 200 Mining Shares in April?","url":"https://stock-news.laohu8.com/highlight/detail?id=1129748367","media":"Motley Fool","summary":"Large-cap ASX mining shares are outperforming again today, with the resources sector a key reason wh","content":"<html><head></head><body><p>Large-cap ASX mining shares are outperforming again today, with the resources sector a key reason why the S&amp;P/ASX 200 Index (ASX: XJO) has also outperformed over the past several weeks.</p><p>But some may be wondering if ASX 200 mining shares can keep delivering the goods next month after their strong run.</p><p>Some experts believe they can. In fact, they claim we may be only at the start of a significant earnings upgrade cycle, according to the Australian Financial Review.</p><h2>Bright outlook for ASX 200 mining shares</h2><p>Analysts have been slow to lift their commodity price assumptions even as metals and energy prices have soared.</p><p>The war in Ukraine and ongoing bottlenecks caused by the COVID-19 pandemic appear to be forcing prices higher.</p><p>The gap between consensus forecasts and spot prices have widened further this quarter. This gap is likely to remain large given the prices commodities are fetching in the futures market.</p><h2>Playing catch-up to rallying prices</h2><p>The AFR noted that this could trigger large upgrades for ASX 200 mining shares and energy shares.</p><p>Ben Cleary, portfolio manager of the Tribeca Natural Resources Fund, told the publication:</p><p>The quarterly earnings and forecast revision cycle usually comes out around this time and analysts are only just playing catch up now.</p><p>They probably started the year too bearish on commodity prices anyway and the prices are going to have to be upgraded.</p><p>And just in case you were wondering, this situation where analysts are rushing to play catch up is not uncommon. If anything, analysts have a history of being slow to lift forecasts when volatile commodities rally.</p><p>Morgan Stanley is one that is moving to close the gap. It upped its zinc forecast by a whopping 48% to US$1.72 a pound, reported the AFR.</p><h2>Commodities with large upgrades</h2><p>It also increased its nickel estimates by 19% to US$12.48 a pound and iron ore by 9% to US$155 a tonne.</p><p>For iron ore, this brings the broker a lot closer to spot price than many of its peers, who have pencilled in a price of less than US$100 a tonne for 2022.</p><p>The upgrades for energy-related commodities are even larger for Morgan Stanley. Its forecast for lithium carbonate is now 225% higher at US$46,000 a tonne, while thermal coal is upgraded by 96% to US$255 a tonne.</p><h2>Good news for miners</h2><p>As other analysts follow Morgan Stanley’s move, we can potentially see a big valuation lift for several ASX 200 mining shares.</p><p>That’s good news for the share prices of ASX iron ore miners including BHP Group Ltd (ASX: BHP), Rio Tinto Limited (ASX: RIO) and Fortescue Metals Group Limited (ASX: FMG), as well as the major lithium players.</p></body></html>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>What Is the Outlook for ASX 200 Mining Shares in April?</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\">\nWhat Is the Outlook for ASX 200 Mining Shares in April?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-03-28 10:35 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com.au/2022/03/28/what-is-the-outlook-for-asx-200-mining-shares-in-april/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Large-cap ASX mining shares are outperforming again today, with the resources sector a key reason why the S&P/ASX 200 Index (ASX: XJO) has also outperformed over the past several weeks.But some may be...</p>\n\n<a href=\"https://www.fool.com.au/2022/03/28/what-is-the-outlook-for-asx-200-mining-shares-in-april/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"FMG.AU":"FORTESCUE LTD","RIO":"力拓","BHP":"必和必拓公司"},"source_url":"https://www.fool.com.au/2022/03/28/what-is-the-outlook-for-asx-200-mining-shares-in-april/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1129748367","content_text":"Large-cap ASX mining shares are outperforming again today, with the resources sector a key reason why the S&P/ASX 200 Index (ASX: XJO) has also outperformed over the past several weeks.But some may be wondering if ASX 200 mining shares can keep delivering the goods next month after their strong run.Some experts believe they can. In fact, they claim we may be only at the start of a significant earnings upgrade cycle, according to the Australian Financial Review.Bright outlook for ASX 200 mining sharesAnalysts have been slow to lift their commodity price assumptions even as metals and energy prices have soared.The war in Ukraine and ongoing bottlenecks caused by the COVID-19 pandemic appear to be forcing prices higher.The gap between consensus forecasts and spot prices have widened further this quarter. This gap is likely to remain large given the prices commodities are fetching in the futures market.Playing catch-up to rallying pricesThe AFR noted that this could trigger large upgrades for ASX 200 mining shares and energy shares.Ben Cleary, portfolio manager of the Tribeca Natural Resources Fund, told the publication:The quarterly earnings and forecast revision cycle usually comes out around this time and analysts are only just playing catch up now.They probably started the year too bearish on commodity prices anyway and the prices are going to have to be upgraded.And just in case you were wondering, this situation where analysts are rushing to play catch up is not uncommon. If anything, analysts have a history of being slow to lift forecasts when volatile commodities rally.Morgan Stanley is one that is moving to close the gap. It upped its zinc forecast by a whopping 48% to US$1.72 a pound, reported the AFR.Commodities with large upgradesIt also increased its nickel estimates by 19% to US$12.48 a pound and iron ore by 9% to US$155 a tonne.For iron ore, this brings the broker a lot closer to spot price than many of its peers, who have pencilled in a price of less than US$100 a tonne for 2022.The upgrades for energy-related commodities are even larger for Morgan Stanley. Its forecast for lithium carbonate is now 225% higher at US$46,000 a tonne, while thermal coal is upgraded by 96% to US$255 a tonne.Good news for minersAs other analysts follow Morgan Stanley’s move, we can potentially see a big valuation lift for several ASX 200 mining shares.That’s good news for the share prices of ASX iron ore miners including BHP Group Ltd (ASX: BHP), Rio Tinto Limited (ASX: RIO) and Fortescue Metals Group Limited (ASX: FMG), as well as the major lithium players.","news_type":1},"isVote":1,"tweetType":1,"viewCount":320,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9010480771,"gmtCreate":1648447917114,"gmtModify":1676534339156,"author":{"id":"3563603119579403","authorId":"3563603119579403","name":"530314JJM","avatar":"https://static.tigerbbs.com/d4ab8e0d16ad0291bb6aef07edda6aeb","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3563603119579403","authorIdStr":"3563603119579403"},"themes":[],"htmlText":"Like&nbsp;","listText":"Like&nbsp;","text":"Like","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9010480771","repostId":"1133083183","repostType":4,"repost":{"id":"1133083183","kind":"news","pubTimestamp":1648438430,"share":"https://ttm.financial/m/news/1133083183?lang=&edition=fundamental","pubTime":"2022-03-28 11:33","market":"us","language":"en","title":"Goldman Sachs Has 5 Buy-Rated Stocks Under $10 With Up to 600% Upside Potential","url":"https://stock-news.laohu8.com/highlight/detail?id=1133083183","media":"24/7 wall street","summary":"While most of Wall Street focuses on large-cap and mega-cap stocks, as they provide a degree of safe","content":"<html><head></head><body><p>While most of Wall Street focuses on large-cap and mega-cap stocks, as they provide a degree of safety and liquidity, many investors are limited in the number of shares they can buy. Many of the biggest public companies, especially the technology giants, trade in the hundreds, all the way up to over $1,000 per share or more. At those steep prices, it is difficult to get any decent share count leverage.</p><p>Many investors, especially more aggressive traders, look at lower-priced stocks as a way not only to make some good money but to get a higher share count. That can really help the decision-making process, especially when you are on to a winner, as you can always sell half and keep half. For those leery of low-priced shares, just remember that Amazon and Apple at once time traded in the single digits.</p><p>Goldman Sachs is the premier investment bank in the world, so we screened its outstanding research database and found five stocks trading under the $10 level that could provide investors with upside potential ranging from over 100% to nearly 600%.</p><p>While all five are rated Buy at Goldman Sachs, they are much better suited for very aggressive investors. It also is important to remember that no single analyst report should be used as a sole basis for any buying or selling decision.</p><p><a href=\"https://laohu8.com/S/AVPT\">AvePoint Inc.</a></p><p>This very off-the-radar company could be a big winner. <a href=\"https://laohu8.com/S/AVPT\">AvePoint Inc.</a> provides Microsoft 365 data management solutions worldwide. It offers a suite of software as a service solutions to migrate, manage and protect data. The company provides cloud solutions for Office 365, Salesforce and Dynamics 365, as well as hybrid/on-premises products. It also offers advisory and implementation, maintenance and support, Microsoft Teams surge and advisory, migration as a service and quick-start services.</p><p>Last year, the company announced the completion of its previously announced business combination with Apex Technology Acquisition Corp., a publicly traded special purpose acquisition company (SPAC).</p><p>Goldman Sachs has a $15 price target on AvePoint stock. The consensus target is $13.20, and shares werelast seen trading on Friday at $5.41. The Goldman Sachs target represents a gain of well over 100%.</p><p><a href=\"https://laohu8.com/S/COMP\">Compass Inc.</a></p><p>This stock has taken a beating over the past year and looks poised to rebound. <a href=\"https://laohu8.com/S/COMP\">Compass Inc.</a> provides real estate brokerage services in the United States. The company specializes in high-margin, luxury homes in upscale markets, including New York, Philadelphia, Boston and San Francisco.</p><p>The Compass platform includes an integrated suite of cloud-based software for customer relationship management, marketing, client service, brokerage services and other critical functionality, all custom-built for the real estate industry. Compass agents utilize the platform to grow their business, save time and manage their business more effectively.</p><p>The Goldman Sachs price target of $24 is well above the $14.43 consensus target. The shares closed at $7.61 on Friday. The Goldman Sachs target represents a gain of more than 200%.</p><p><a href=\"https://laohu8.com/S/GENI\">Genius Sports Ltd.</a></p><p>This sports-betting-related stock has been hammered and holds massive upside potential, and it could even be a takeover target. <a href=\"https://laohu8.com/S/GENI\">Genius Sports Ltd.</a> develops and sells technology-led products and services to the sports, sports betting and sports media industries.</p><p>It offers technology infrastructure for the collection, integration and distribution of live data of sports leagues; streaming solutions, comprising of technology, automatic production and distribution for sports to commercialize video footage of their games; and end-to-end integrity services to sports leagues, such as full-time active monitoring technology, which uses mathematical algorithms to identify and flag suspicious betting activity in global betting markets, as well as full suite of online and offline educational and consultancy services.</p><p>Genius Sports also provides live sports data collection; pre-game and in-game odds feeds; risk management services, including customer profiling, monitoring of incoming bets, automated acceptance and rejection of bets, and limit setting; live streaming services; creation, delivery and measurement services for personalized online marketing campaigns; and fan engagement widgets for digital publishers that offer live game statistics and betting-related content.</p><p>The Goldman Sachs price objective is $24. The lower $10.83 consensus target. With Genius Sports closing Friday at $4.53, hitting the Goldman Sachs target would be a gain of more than 400%.</p><p><a href=\"https://laohu8.com/S/KRON\">Kronos Bio Inc.</a></p><p>This microcap biotech may be the biggest winner of all the Goldman Sachs Buy-rated stocks under $10. <a href=\"https://laohu8.com/S/KRON\">Kronos Bio Inc.</a> is a clinical-stage biopharmaceutical company focused on the discovery and development of novel cancer therapeutics.</p><p>The company’s product engine focuses on dysregulated transcription factors and the transcriptional regulatory networks that drive oncogenic activity. Its lead product candidate is entospletinib, an orally administered, selective spleen tyrosine kinase inhibitor for acute myeloid leukemia patients.</p><p>The company has planned a registrational Phase 3 clinical trial of entospletinib in combination with induction chemotherapy in acute myeloid leukemia patients with NPM1 mutations. It is also developing KB-0742, an orally bioavailable inhibitor of cyclin-dependent kinase 9 for the treatment of MYC-amplified solid tumors, which is in Phase 1/2 clinical trial.</p><p>The staggering $50 Goldman Sachs price target compares with the $40.25 consensus and a closing share price on Friday of $7.01. Hitting the Goldman Sachs target would be a 600% gain.</p><p><a href=\"https://laohu8.com/S/PL\">Planet Labs PBC</a></p><p>This is another micro-cap stock that could surge with positive earnings. <a href=\"https://laohu8.com/S/PL\">Planet Labs PBC</a> designs, builds and operates an earth observation fleet of imaging satellites that capture and compile data. It serves agriculture, civil government, defense and intelligence, drought response, education and research, energy and infrastructure, finance and insurance, forestry and land use, mapping, maritime, sustainability and federal sectors.</p><p>Earlier this month, the company announced the general availability of the next generation of its PlanetScope Monitoring product, offering high-quality, analysis-ready data to all existing PlanetScope customers. While previously offering four spectral bands, PlanetScope will now include eight spectral bands, in addition to a series of enhancements, providing customers with richer, cleaner and more consistent data to empower deeper analysis of earth’s changing conditions.</p><p>Goldman Sachs has set its target price at $11, while the consensus target is even higher at $13.19. The shares last traded on Friday at $5.16 apiece. The Goldman Sachs target represents a gain of over 100%.</p><p>These are five stocks for aggressive investors looking to get share count leverage on companies that have sizable upside potential. While not suited for all investors, they are not penny stocks with absolutely no track record or liquidity, and major Wall Street firms have research coverage.</p></body></html>","source":"lsy1620372341666","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>Goldman Sachs Has 5 Buy-Rated Stocks Under $10 With Up to 600% Upside Potential</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\">\nGoldman Sachs Has 5 Buy-Rated Stocks Under $10 With Up to 600% Upside Potential\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-03-28 11:33 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://247wallst.com/investing/2022/03/26/goldman-sachs-has-5-buy-rated-stocks-under-10-with-up-to-600-upside-potential/3/><strong>24/7 wall street</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>While most of Wall Street focuses on large-cap and mega-cap stocks, as they provide a degree of safety and liquidity, many investors are limited in the number of shares they can buy. Many of the ...</p>\n\n<a href=\"https://247wallst.com/investing/2022/03/26/goldman-sachs-has-5-buy-rated-stocks-under-10-with-up-to-600-upside-potential/3/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"KRON":"Kronos Bio, Inc.","GENI":"Genius Sports Ltd","PL":"Planet  Labs Pbc","AVPT":"AvePoint Inc.","COMP":"Compass, Inc."},"source_url":"https://247wallst.com/investing/2022/03/26/goldman-sachs-has-5-buy-rated-stocks-under-10-with-up-to-600-upside-potential/3/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1133083183","content_text":"While most of Wall Street focuses on large-cap and mega-cap stocks, as they provide a degree of safety and liquidity, many investors are limited in the number of shares they can buy. Many of the biggest public companies, especially the technology giants, trade in the hundreds, all the way up to over $1,000 per share or more. At those steep prices, it is difficult to get any decent share count leverage.Many investors, especially more aggressive traders, look at lower-priced stocks as a way not only to make some good money but to get a higher share count. That can really help the decision-making process, especially when you are on to a winner, as you can always sell half and keep half. For those leery of low-priced shares, just remember that Amazon and Apple at once time traded in the single digits.Goldman Sachs is the premier investment bank in the world, so we screened its outstanding research database and found five stocks trading under the $10 level that could provide investors with upside potential ranging from over 100% to nearly 600%.While all five are rated Buy at Goldman Sachs, they are much better suited for very aggressive investors. It also is important to remember that no single analyst report should be used as a sole basis for any buying or selling decision.AvePoint Inc.This very off-the-radar company could be a big winner. AvePoint Inc. provides Microsoft 365 data management solutions worldwide. It offers a suite of software as a service solutions to migrate, manage and protect data. The company provides cloud solutions for Office 365, Salesforce and Dynamics 365, as well as hybrid/on-premises products. It also offers advisory and implementation, maintenance and support, Microsoft Teams surge and advisory, migration as a service and quick-start services.Last year, the company announced the completion of its previously announced business combination with Apex Technology Acquisition Corp., a publicly traded special purpose acquisition company (SPAC).Goldman Sachs has a $15 price target on AvePoint stock. The consensus target is $13.20, and shares werelast seen trading on Friday at $5.41. The Goldman Sachs target represents a gain of well over 100%.Compass Inc.This stock has taken a beating over the past year and looks poised to rebound. Compass Inc. provides real estate brokerage services in the United States. The company specializes in high-margin, luxury homes in upscale markets, including New York, Philadelphia, Boston and San Francisco.The Compass platform includes an integrated suite of cloud-based software for customer relationship management, marketing, client service, brokerage services and other critical functionality, all custom-built for the real estate industry. Compass agents utilize the platform to grow their business, save time and manage their business more effectively.The Goldman Sachs price target of $24 is well above the $14.43 consensus target. The shares closed at $7.61 on Friday. The Goldman Sachs target represents a gain of more than 200%.Genius Sports Ltd.This sports-betting-related stock has been hammered and holds massive upside potential, and it could even be a takeover target. Genius Sports Ltd. develops and sells technology-led products and services to the sports, sports betting and sports media industries.It offers technology infrastructure for the collection, integration and distribution of live data of sports leagues; streaming solutions, comprising of technology, automatic production and distribution for sports to commercialize video footage of their games; and end-to-end integrity services to sports leagues, such as full-time active monitoring technology, which uses mathematical algorithms to identify and flag suspicious betting activity in global betting markets, as well as full suite of online and offline educational and consultancy services.Genius Sports also provides live sports data collection; pre-game and in-game odds feeds; risk management services, including customer profiling, monitoring of incoming bets, automated acceptance and rejection of bets, and limit setting; live streaming services; creation, delivery and measurement services for personalized online marketing campaigns; and fan engagement widgets for digital publishers that offer live game statistics and betting-related content.The Goldman Sachs price objective is $24. The lower $10.83 consensus target. With Genius Sports closing Friday at $4.53, hitting the Goldman Sachs target would be a gain of more than 400%.Kronos Bio Inc.This microcap biotech may be the biggest winner of all the Goldman Sachs Buy-rated stocks under $10. Kronos Bio Inc. is a clinical-stage biopharmaceutical company focused on the discovery and development of novel cancer therapeutics.The company’s product engine focuses on dysregulated transcription factors and the transcriptional regulatory networks that drive oncogenic activity. Its lead product candidate is entospletinib, an orally administered, selective spleen tyrosine kinase inhibitor for acute myeloid leukemia patients.The company has planned a registrational Phase 3 clinical trial of entospletinib in combination with induction chemotherapy in acute myeloid leukemia patients with NPM1 mutations. It is also developing KB-0742, an orally bioavailable inhibitor of cyclin-dependent kinase 9 for the treatment of MYC-amplified solid tumors, which is in Phase 1/2 clinical trial.The staggering $50 Goldman Sachs price target compares with the $40.25 consensus and a closing share price on Friday of $7.01. Hitting the Goldman Sachs target would be a 600% gain.Planet Labs PBCThis is another micro-cap stock that could surge with positive earnings. Planet Labs PBC designs, builds and operates an earth observation fleet of imaging satellites that capture and compile data. It serves agriculture, civil government, defense and intelligence, drought response, education and research, energy and infrastructure, finance and insurance, forestry and land use, mapping, maritime, sustainability and federal sectors.Earlier this month, the company announced the general availability of the next generation of its PlanetScope Monitoring product, offering high-quality, analysis-ready data to all existing PlanetScope customers. While previously offering four spectral bands, PlanetScope will now include eight spectral bands, in addition to a series of enhancements, providing customers with richer, cleaner and more consistent data to empower deeper analysis of earth’s changing conditions.Goldman Sachs has set its target price at $11, while the consensus target is even higher at $13.19. The shares last traded on Friday at $5.16 apiece. The Goldman Sachs target represents a gain of over 100%.These are five stocks for aggressive investors looking to get share count leverage on companies that have sizable upside potential. While not suited for all investors, they are not penny stocks with absolutely no track record or liquidity, and major Wall Street firms have research coverage.","news_type":1},"isVote":1,"tweetType":1,"viewCount":243,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9010480584,"gmtCreate":1648447773725,"gmtModify":1676534339140,"author":{"id":"3563603119579403","authorId":"3563603119579403","name":"530314JJM","avatar":"https://static.tigerbbs.com/d4ab8e0d16ad0291bb6aef07edda6aeb","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3563603119579403","authorIdStr":"3563603119579403"},"themes":[],"htmlText":"Like&nbsp;","listText":"Like&nbsp;","text":"Like","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9010480584","repostId":"2222854139","repostType":4,"repost":{"id":"2222854139","kind":"highlight","pubTimestamp":1648434746,"share":"https://ttm.financial/m/news/2222854139?lang=&edition=fundamental","pubTime":"2022-03-28 10:32","market":"us","language":"en","title":"3 Growth Stocks That Are Great Long Term Picks","url":"https://stock-news.laohu8.com/highlight/detail?id=2222854139","media":"Motley Fool","summary":"These three stocks have characteristics that make them superb long-term winners.","content":"<html><head></head><body><p>The &#34;Holy Grail&#34; in investing is to pick long-term winners that can continue to compound your money through good times and bad. These are stocks that you can hold for years and even decades as they form a core part of your investment portfolio. These businesses provide you with the building blocks for a happy retirement fund as their share prices head higher over time.</p><p>The process of finding such businesses isn&#39;t as tough as it may seem. What you need to look for are characteristics that make these stocks great long-term picks. They should have strong business models and brands, be leaders in their industries, have proven models for sailing through various economic cycles, and have sustainable tailwinds on their backs to ensure they continue their steady growth.</p><p>Here are three growth stocks that satisfy the above criteria that you might want to consider adding to your investment portfolio.</p><p><b><a href=\"https://laohu8.com/S/ADBE\">Adobe</a></b></p><p><a href=\"https://laohu8.com/S/ADBE\">Adobe</a> is a company that offers various cloud solutions that connect content and data while also inspiring creativity and design. Well known for its portable document format (PDF), the company also offers its Creative Cloud, <a href=\"https://laohu8.com/S/EXP.AU\">Experience</a> Cloud, and Document Cloud to help businesses better manage their digital transformations. The software-as-a-service business has seen steady growth even through the pandemic, with total revenue rising from $11.2 billion in fiscal 2019 (FY2019) to $15.8 billion in FY2021.</p><p>The power of its subscription model is clear, as the proportion of subscription revenue during this period has increased from 86% to 92%. Operating income surged from $3.3 billion in FY2019 to $5.8 billion in FY2021, while net income rose from $3 billion to $4.8 billion. This momentum has carried into Adobe&#39;s fiscal 2022&#39;s first quarter, which ended March 4, with total revenue rising 9% year-over-year to $4.3 billion and operating income climbing 8.7% year-over-year to $1.6 billion. Net income inched up 0.4% year-over-year due to a higher tax liability for the quarter. Free cash flow of $1.67 billion was generated, in line with the $1.71 billion generated in the prior year.</p><p>Adobe&#39;s total addressable market is estimated to be around $205 billion by 2024, providing the software cloud company with ample room for continued growth.</p><p><img src=\"https://static.tigerbbs.com/165eabb4320a0ec37f0673cc841ef64d\" tg-width=\"700\" tg-height=\"466\" referrerpolicy=\"no-referrer\"/><b><a href=\"https://laohu8.com/S/CMG\">Chipotle Mexican Grill</a></b></p><p><a href=\"https://laohu8.com/S/CMG\">Chipotle Mexican Grill</a> runs a chain of restaurants serving Mexican cuisine such as tacos, quesadillas, and burritos. The company has been successful in managing the temporary closures related to COVID-19 back in 2020, and has pivoted its business toward digital sales. The result has been impressive: Total revenue for the Mexican food chain went from $5.6 billion in FY2019 to $7.5 billion in FY2021 without experiencing a dip. Over the same period, operating income climbed from $444 million to $805 million, while net income jumped from $350.2 million to $653 million.</p><p>Digital sales continued to grow, rising by 24.7% year-over-year for FY2021 and accounting for 45.6% of total sales. Comparable restaurant sales improved by 19.3% year-over-year, and just last month Chipotle celebrated the opening of its 3,000th restaurant in Phoenix, Arizona. The company opened 215 new locations in the U.S., Canada, and Europe, and around eight out of ten of these locations featured a &#34;Chipotlane&#34;. Chipotlanes allow for quick and easy pick-up by drivers, and represent the latest innovation by the company to focus on quick turnarounds.</p><p>CEO Brian Niccol has a goal of having 7,000 restaurants in the U.S., and this year alone the company plans to open between 235 and 250 new restaurants. Chipotle is also successfully innovating its menu by introducing a new chicken offering for the first time in its history, attracting more customers and encouraging repeat visits.</p><p><b><a href=\"https://laohu8.com/S/MTCH\">Match Group</a></b></p><p>The pandemic has thrown a spotlight on just how lonely people can get when subject to movement restrictions and social distancing. That&#39;s where <a href=\"https://laohu8.com/S/MTCH\">Match Group</a> comes in to fill the gap with its wide range of dating apps such as Tinder, OKCupid, Hinge, and Meetic. Revenue has risen steadily from $2 billion in FY2019 to $2.98 billion in FY2021 as more people flocked to use the company&#39;s apps. Operating income rose from $645 million to $851.7 million, but net income in FY2021 took a hit due to a $441 million employee litigation payout that Match Group had to provide for.</p><p>Apart from the blip above, Match Group has done well to consistently grow its user base, revenue and bottom line. The number of paying customers rose by 15% year-over-year in FY2021 to 16.2 million, while revenue per customer inched up by 8% year-over-year to $16.16. Although Tinder still makes up more than half of Match Group&#39;s revenue, there&#39;s evidence that emerging brands such as Hinge and the newly acquired Hyperconnect are gaining traction. Hinge saw its revenue more than double to $197 million in FY2021 and is now focused on international expansion, while Hyperconnect rolled out live streaming on its Azar app and enjoyed a better performance in December 2021 compared to earlier months.</p><p>Not neglecting its established brands, Match intends to incorporate new features such as audio and video into its apps to increase their appeal. The company has launched a new premium service for serious daters, and introduced a new brand, Stir, that taps on the company&#39;s platform and that focuses on single parents. Match is projecting a 15% to 20% year-over-year revenue increase, and is confident of continuing its growth trajectory.</p></body></html>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>3 Growth Stocks That Are Great Long Term Picks</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\">\n3 Growth Stocks That Are Great Long Term Picks\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-03-28 10:32 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2022/03/27/3-growth-stocks-that-are-great-long-term-picks/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>The \"Holy Grail\" in investing is to pick long-term winners that can continue to compound your money through good times and bad. These are stocks that you can hold for years and even decades as they ...</p>\n\n<a href=\"https://www.fool.com/investing/2022/03/27/3-growth-stocks-that-are-great-long-term-picks/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"MTCH":"Match Group, Inc.","BK4567":"ESG概念","BK4534":"瑞士信贷持仓","ADBE":"Adobe","BK4581":"高盛持仓","BK4528":"SaaS概念","BK4533":"AQR资本管理(全球第二大对冲基金)","CMG":"墨式烧烤","BK4566":"资本集团","BK4554":"元宇宙及AR概念"},"source_url":"https://www.fool.com/investing/2022/03/27/3-growth-stocks-that-are-great-long-term-picks/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2222854139","content_text":"The \"Holy Grail\" in investing is to pick long-term winners that can continue to compound your money through good times and bad. These are stocks that you can hold for years and even decades as they form a core part of your investment portfolio. These businesses provide you with the building blocks for a happy retirement fund as their share prices head higher over time.The process of finding such businesses isn't as tough as it may seem. What you need to look for are characteristics that make these stocks great long-term picks. They should have strong business models and brands, be leaders in their industries, have proven models for sailing through various economic cycles, and have sustainable tailwinds on their backs to ensure they continue their steady growth.Here are three growth stocks that satisfy the above criteria that you might want to consider adding to your investment portfolio.AdobeAdobe is a company that offers various cloud solutions that connect content and data while also inspiring creativity and design. Well known for its portable document format (PDF), the company also offers its Creative Cloud, Experience Cloud, and Document Cloud to help businesses better manage their digital transformations. The software-as-a-service business has seen steady growth even through the pandemic, with total revenue rising from $11.2 billion in fiscal 2019 (FY2019) to $15.8 billion in FY2021.The power of its subscription model is clear, as the proportion of subscription revenue during this period has increased from 86% to 92%. Operating income surged from $3.3 billion in FY2019 to $5.8 billion in FY2021, while net income rose from $3 billion to $4.8 billion. This momentum has carried into Adobe's fiscal 2022's first quarter, which ended March 4, with total revenue rising 9% year-over-year to $4.3 billion and operating income climbing 8.7% year-over-year to $1.6 billion. Net income inched up 0.4% year-over-year due to a higher tax liability for the quarter. Free cash flow of $1.67 billion was generated, in line with the $1.71 billion generated in the prior year.Adobe's total addressable market is estimated to be around $205 billion by 2024, providing the software cloud company with ample room for continued growth.Chipotle Mexican GrillChipotle Mexican Grill runs a chain of restaurants serving Mexican cuisine such as tacos, quesadillas, and burritos. The company has been successful in managing the temporary closures related to COVID-19 back in 2020, and has pivoted its business toward digital sales. The result has been impressive: Total revenue for the Mexican food chain went from $5.6 billion in FY2019 to $7.5 billion in FY2021 without experiencing a dip. Over the same period, operating income climbed from $444 million to $805 million, while net income jumped from $350.2 million to $653 million.Digital sales continued to grow, rising by 24.7% year-over-year for FY2021 and accounting for 45.6% of total sales. Comparable restaurant sales improved by 19.3% year-over-year, and just last month Chipotle celebrated the opening of its 3,000th restaurant in Phoenix, Arizona. The company opened 215 new locations in the U.S., Canada, and Europe, and around eight out of ten of these locations featured a \"Chipotlane\". Chipotlanes allow for quick and easy pick-up by drivers, and represent the latest innovation by the company to focus on quick turnarounds.CEO Brian Niccol has a goal of having 7,000 restaurants in the U.S., and this year alone the company plans to open between 235 and 250 new restaurants. Chipotle is also successfully innovating its menu by introducing a new chicken offering for the first time in its history, attracting more customers and encouraging repeat visits.Match GroupThe pandemic has thrown a spotlight on just how lonely people can get when subject to movement restrictions and social distancing. That's where Match Group comes in to fill the gap with its wide range of dating apps such as Tinder, OKCupid, Hinge, and Meetic. Revenue has risen steadily from $2 billion in FY2019 to $2.98 billion in FY2021 as more people flocked to use the company's apps. Operating income rose from $645 million to $851.7 million, but net income in FY2021 took a hit due to a $441 million employee litigation payout that Match Group had to provide for.Apart from the blip above, Match Group has done well to consistently grow its user base, revenue and bottom line. The number of paying customers rose by 15% year-over-year in FY2021 to 16.2 million, while revenue per customer inched up by 8% year-over-year to $16.16. Although Tinder still makes up more than half of Match Group's revenue, there's evidence that emerging brands such as Hinge and the newly acquired Hyperconnect are gaining traction. Hinge saw its revenue more than double to $197 million in FY2021 and is now focused on international expansion, while Hyperconnect rolled out live streaming on its Azar app and enjoyed a better performance in December 2021 compared to earlier months.Not neglecting its established brands, Match intends to incorporate new features such as audio and video into its apps to increase their appeal. The company has launched a new premium service for serious daters, and introduced a new brand, Stir, that taps on the company's platform and that focuses on single parents. Match is projecting a 15% to 20% year-over-year revenue increase, and is confident of continuing its growth trajectory.","news_type":1},"isVote":1,"tweetType":1,"viewCount":353,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9010480840,"gmtCreate":1648447736162,"gmtModify":1676534339140,"author":{"id":"3563603119579403","authorId":"3563603119579403","name":"530314JJM","avatar":"https://static.tigerbbs.com/d4ab8e0d16ad0291bb6aef07edda6aeb","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3563603119579403","authorIdStr":"3563603119579403"},"themes":[],"htmlText":"Like&nbsp;","listText":"Like&nbsp;","text":"Like","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9010480840","repostId":"1154175985","repostType":4,"repost":{"id":"1154175985","kind":"news","pubTimestamp":1648444980,"share":"https://ttm.financial/m/news/1154175985?lang=&edition=fundamental","pubTime":"2022-03-28 13:23","market":"other","language":"en","title":"ASX Ends Higher; Block, Xero Lead Tech Decline","url":"https://stock-news.laohu8.com/highlight/detail?id=1154175985","media":"Australian Financial Review","summary":"The Australian sharemarket has closed higher on Monday despite suffering a late dip, with gains from","content":"<html><head></head><body><p>The Australian sharemarket has closed higher on Monday despite suffering a late dip, with gains from the major miners keeping it in the green.</p><p>The S&amp;P/ASX 200 Index rose 6.2 points, or 0.1 per cent, to 7412.4.</p><p>BHP Group climbed 2.3 per cent to $50.92 while Rio Tinto rose 1.4 per cent to $118.47 and Fortescue Metals Group added 0.8 per cent to $19.42.</p><p>AVZ Minerals climbed 4 per cent to $1.19, Washington H. Soul Pattinson added 3.1 per cent to $28.45 and Costa Group firmed 2.6 per cent to $3.15.</p><p>The tech sector almost took the market into the red, however.</p><p>Xero declined 5.2 per cent to $99.03, Block dropped 3.7 per cent to $171.45 and Novonix slid 4.7 per cent to $5.26.</p></body></html>","source":"lsy1647818771712","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>ASX Ends Higher; Block, Xero Lead Tech Decline</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\">\nASX Ends Higher; Block, Xero Lead Tech Decline\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-03-28 13:23 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.afr.com/markets/equity-markets/asx-to-rise-bond-yields-march-higher-20220328-p5a8gb><strong>Australian Financial Review</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>The Australian sharemarket has closed higher on Monday despite suffering a late dip, with gains from the major miners keeping it in the green.The S&P/ASX 200 Index rose 6.2 points, or 0.1 per cent, to...</p>\n\n<a href=\"https://www.afr.com/markets/equity-markets/asx-to-rise-bond-yields-march-higher-20220328-p5a8gb\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"XAO.AU":"标普/澳交所 普通股指数","XKO.AU":"标普/澳交所 300指数","XJO.AU":"标普/澳交所 200指数"},"source_url":"https://www.afr.com/markets/equity-markets/asx-to-rise-bond-yields-march-higher-20220328-p5a8gb","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1154175985","content_text":"The Australian sharemarket has closed higher on Monday despite suffering a late dip, with gains from the major miners keeping it in the green.The S&P/ASX 200 Index rose 6.2 points, or 0.1 per cent, to 7412.4.BHP Group climbed 2.3 per cent to $50.92 while Rio Tinto rose 1.4 per cent to $118.47 and Fortescue Metals Group added 0.8 per cent to $19.42.AVZ Minerals climbed 4 per cent to $1.19, Washington H. Soul Pattinson added 3.1 per cent to $28.45 and Costa Group firmed 2.6 per cent to $3.15.The tech sector almost took the market into the red, however.Xero declined 5.2 per cent to $99.03, Block dropped 3.7 per cent to $171.45 and Novonix slid 4.7 per cent to $5.26.","news_type":1},"isVote":1,"tweetType":1,"viewCount":146,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":115266341,"gmtCreate":1623012554683,"gmtModify":1704194232648,"author":{"id":"3563603119579403","authorId":"3563603119579403","name":"530314JJM","avatar":"https://static.tigerbbs.com/d4ab8e0d16ad0291bb6aef07edda6aeb","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3563603119579403","authorIdStr":"3563603119579403"},"themes":[],"htmlText":"Interesting development&nbsp;","listText":"Interesting development&nbsp;","text":"Interesting development","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/115266341","repostId":"2141283409","repostType":4,"repost":{"id":"2141283409","kind":"highlight","weMediaInfo":{"introduction":"Reuters.com brings you the latest news from around the world, covering breaking news in markets, business, politics, entertainment and technology","home_visible":1,"media_name":"Reuters","id":"1036604489","head_image":"https://static.tigerbbs.com/443ce19704621c837795676028cec868"},"pubTimestamp":1622944143,"share":"https://ttm.financial/m/news/2141283409?lang=&edition=fundamental","pubTime":"2021-06-06 09:49","market":"us","language":"en","title":"Square to invest $5 mln in Blockstream's solar-powered bitcoin mining facility","url":"https://stock-news.laohu8.com/highlight/detail?id=2141283409","media":"Reuters","summary":"June 5 (Reuters) - Blockchain technology company Blockstream Mining said on Saturday that Square Inc","content":"<p>June 5 (Reuters) - Blockchain technology company Blockstream Mining said on Saturday that Square Inc will invest $5 million to build an open-source, solar-powered bitcoin mining facility at one of Blockstream's U.S. sites.</p><p>Blockstream, in an announcement on its blog&nbsp;said the \"facility will be a proof-of-concept for a 100% renewable energy Bitcoin mine at scale.\"</p><p>Square, in a tweet  said it was teaming up with Blockstream as part of its Bitcoin Clean Energy Initiative.</p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Square to invest $5 mln in Blockstream's solar-powered bitcoin mining facility</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\">\nSquare to invest $5 mln in Blockstream's solar-powered bitcoin mining facility\n</h2>\n\n<h4 class=\"meta\">\n\n\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1036604489\">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/443ce19704621c837795676028cec868);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Reuters </p>\n<p class=\"h-time\">2021-06-06 09:49</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<p>June 5 (Reuters) - Blockchain technology company Blockstream Mining said on Saturday that Square Inc will invest $5 million to build an open-source, solar-powered bitcoin mining facility at one of Blockstream's U.S. sites.</p><p>Blockstream, in an announcement on its blog&nbsp;said the \"facility will be a proof-of-concept for a 100% renewable energy Bitcoin mine at scale.\"</p><p>Square, in a tweet  said it was teaming up with Blockstream as part of its Bitcoin Clean Energy Initiative.</p>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"SQ":"Block"},"is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2141283409","content_text":"June 5 (Reuters) - Blockchain technology company Blockstream Mining said on Saturday that Square Inc will invest $5 million to build an open-source, solar-powered bitcoin mining facility at one of Blockstream's U.S. sites.Blockstream, in an announcement on its blog said the \"facility will be a proof-of-concept for a 100% renewable energy Bitcoin mine at scale.\"Square, in a tweet  said it was teaming up with Blockstream as part of its Bitcoin Clean Energy Initiative.","news_type":1},"isVote":1,"tweetType":1,"viewCount":141,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0}],"hots":[{"id":9010481795,"gmtCreate":1648448532553,"gmtModify":1676534339188,"author":{"id":"3563603119579403","authorId":"3563603119579403","name":"530314JJM","avatar":"https://static.tigerbbs.com/d4ab8e0d16ad0291bb6aef07edda6aeb","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3563603119579403","authorIdStr":"3563603119579403"},"themes":[],"htmlText":"Like it&nbsp;","listText":"Like it&nbsp;","text":"Like it","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9010481795","repostId":"1131341417","repostType":4,"repost":{"id":"1131341417","kind":"news","pubTimestamp":1648436947,"share":"https://ttm.financial/m/news/1131341417?lang=&edition=fundamental","pubTime":"2022-03-28 11:09","market":"us","language":"en","title":"Wells Fargo Pounds the Table on Amazon Stock","url":"https://stock-news.laohu8.com/highlight/detail?id=1131341417","media":"TipRanks","summary":"Following 2020’s depressed levels of brick and mortar retail success vs. the outsized gains of the e","content":"<div>\n<p>Following 2020’s depressed levels of brick and mortar retail success vs. the outsized gains of the ecommerce space, 2021 offered a reversal of fortunes. The softlines retail segment made a comeback ...</p>\n\n<a href=\"https://www.tipranks.com/news/article/wells-fargo-pounds-the-table-on-amazon-stock/\">Web Link</a>\n\n</div>\n","source":"lsy1606183248679","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>Wells Fargo Pounds the Table on Amazon Stock</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\">\nWells Fargo Pounds the Table on Amazon Stock\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-03-28 11:09 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.tipranks.com/news/article/wells-fargo-pounds-the-table-on-amazon-stock/><strong>TipRanks</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Following 2020’s depressed levels of brick and mortar retail success vs. the outsized gains of the ecommerce space, 2021 offered a reversal of fortunes. The softlines retail segment made a comeback ...</p>\n\n<a href=\"https://www.tipranks.com/news/article/wells-fargo-pounds-the-table-on-amazon-stock/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"AMZN":"亚马逊"},"source_url":"https://www.tipranks.com/news/article/wells-fargo-pounds-the-table-on-amazon-stock/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1131341417","content_text":"Following 2020’s depressed levels of brick and mortar retail success vs. the outsized gains of the ecommerce space, 2021 offered a reversal of fortunes. The softlines retail segment made a comeback while ecommerce growth slowed down.That could have been somewhat expected with the economy reopening following 2020’s pandemic-driven lockdowns. However, Well Fargo analyst Brian Fitzgerald says it’s clear that the COVID-19 pandemic “pulled forward 4-5 years of ecommerce penetration.”“Despite those slowing ecomm trends last year,” the analyst went on to say, “we expect the shift to ecommerce is likely to stick’ and Amazon (AMZN)—as the #1 apparel retailer in the country—remains the 800-lb gorilla in the space, with clear ambitions to take ongoing share in the category.”With third-party sales included, Fitzgerald estimates U.S. apparel/ footwear sales on Amazon are now more than $65 billion, which is almost double that of Walmart, the nearest rival. This amounts to a “highly impressive” ~15% share of all U.S. apparel sales. Even more impressively, it amounts to a 35-40% share of all online apparel sales. “We currently estimate AMZN will surpass $73B in apparel/footwear sales in 2022,” the analyst added.And going by the latest Wells Fargo survey, Amazon’s dominance looks set to keep on growing. Amongst 1,000 U.S. Amazon shoppers surveyed, in Apparel/footwear categories, Amazon made a ~100bps YoY share gain in 2021 to reach 15% while also showing a~400bps gain compared to pre-pandemic levels.Moreover, over the last year, consumers’ appetite for fashion apparel items such as jeans and dresses on Amazon has significantly increased. Compared to the 9thspot it held last year, fashion apparel has become a “top 3 category.” This points to the “headway Amazon has made towards becoming a destination for fashion apparel in the eyes of the consumer.”Down to the nitty-gritty, what does this all mean for investors? Fitzgerald reiterated an Overweight (i.e., Buy) rating along with a $4,250 price target. Investors are looking at 12-month returns of 36%, should the forecast work out as planned.The rest of the Street is in full agreement here. Based on Buys only – 34, in total – the analyst consensus rates this stock a Strong Buy. The average price target is only slightly lower than Fitzgerald’s; at $4,185 and change, the figure is set to generate 12-month returns of 28%.","news_type":1},"isVote":1,"tweetType":1,"viewCount":394,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9010480840,"gmtCreate":1648447736162,"gmtModify":1676534339140,"author":{"id":"3563603119579403","authorId":"3563603119579403","name":"530314JJM","avatar":"https://static.tigerbbs.com/d4ab8e0d16ad0291bb6aef07edda6aeb","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3563603119579403","authorIdStr":"3563603119579403"},"themes":[],"htmlText":"Like&nbsp;","listText":"Like&nbsp;","text":"Like","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9010480840","repostId":"1154175985","repostType":4,"repost":{"id":"1154175985","kind":"news","pubTimestamp":1648444980,"share":"https://ttm.financial/m/news/1154175985?lang=&edition=fundamental","pubTime":"2022-03-28 13:23","market":"other","language":"en","title":"ASX Ends Higher; Block, Xero Lead Tech Decline","url":"https://stock-news.laohu8.com/highlight/detail?id=1154175985","media":"Australian Financial Review","summary":"The Australian sharemarket has closed higher on Monday despite suffering a late dip, with gains from","content":"<html><head></head><body><p>The Australian sharemarket has closed higher on Monday despite suffering a late dip, with gains from the major miners keeping it in the green.</p><p>The S&amp;P/ASX 200 Index rose 6.2 points, or 0.1 per cent, to 7412.4.</p><p>BHP Group climbed 2.3 per cent to $50.92 while Rio Tinto rose 1.4 per cent to $118.47 and Fortescue Metals Group added 0.8 per cent to $19.42.</p><p>AVZ Minerals climbed 4 per cent to $1.19, Washington H. Soul Pattinson added 3.1 per cent to $28.45 and Costa Group firmed 2.6 per cent to $3.15.</p><p>The tech sector almost took the market into the red, however.</p><p>Xero declined 5.2 per cent to $99.03, Block dropped 3.7 per cent to $171.45 and Novonix slid 4.7 per cent to $5.26.</p></body></html>","source":"lsy1647818771712","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>ASX Ends Higher; Block, Xero Lead Tech Decline</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\">\nASX Ends Higher; Block, Xero Lead Tech Decline\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-03-28 13:23 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.afr.com/markets/equity-markets/asx-to-rise-bond-yields-march-higher-20220328-p5a8gb><strong>Australian Financial Review</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>The Australian sharemarket has closed higher on Monday despite suffering a late dip, with gains from the major miners keeping it in the green.The S&P/ASX 200 Index rose 6.2 points, or 0.1 per cent, to...</p>\n\n<a href=\"https://www.afr.com/markets/equity-markets/asx-to-rise-bond-yields-march-higher-20220328-p5a8gb\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"XAO.AU":"标普/澳交所 普通股指数","XKO.AU":"标普/澳交所 300指数","XJO.AU":"标普/澳交所 200指数"},"source_url":"https://www.afr.com/markets/equity-markets/asx-to-rise-bond-yields-march-higher-20220328-p5a8gb","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1154175985","content_text":"The Australian sharemarket has closed higher on Monday despite suffering a late dip, with gains from the major miners keeping it in the green.The S&P/ASX 200 Index rose 6.2 points, or 0.1 per cent, to 7412.4.BHP Group climbed 2.3 per cent to $50.92 while Rio Tinto rose 1.4 per cent to $118.47 and Fortescue Metals Group added 0.8 per cent to $19.42.AVZ Minerals climbed 4 per cent to $1.19, Washington H. Soul Pattinson added 3.1 per cent to $28.45 and Costa Group firmed 2.6 per cent to $3.15.The tech sector almost took the market into the red, however.Xero declined 5.2 per cent to $99.03, Block dropped 3.7 per cent to $171.45 and Novonix slid 4.7 per cent to $5.26.","news_type":1},"isVote":1,"tweetType":1,"viewCount":146,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9019010217,"gmtCreate":1648491023979,"gmtModify":1676534344453,"author":{"id":"3563603119579403","authorId":"3563603119579403","name":"530314JJM","avatar":"https://static.tigerbbs.com/d4ab8e0d16ad0291bb6aef07edda6aeb","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3563603119579403","authorIdStr":"3563603119579403"},"themes":[],"htmlText":"Like&nbsp;","listText":"Like&nbsp;","text":"Like","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9019010217","repostId":"1145209940","repostType":4,"repost":{"id":"1145209940","kind":"news","pubTimestamp":1648459311,"share":"https://ttm.financial/m/news/1145209940?lang=&edition=fundamental","pubTime":"2022-03-28 17:21","market":"us","language":"en","title":"U.S. Stocks to Watch: SAIC, Coinbase, Jefferies, Express and More","url":"https://stock-news.laohu8.com/highlight/detail?id=1145209940","media":"Benzinga","summary":"Some of the stocks that may grab investor focus today are:Wall Street expects Science Applications I","content":"<html><head></head><body><p>Some of the stocks that may grab investor focus today are:</p><p>Wall Street expects Science Applications International Corporation SAIC to report quarterly earnings at $1.23 per share on revenue of $1.77 billion before the opening bell. SAIC shares gained 2.6% to $94.00 in after-hours trading.</p><p>Coinbase Global Inc COIN is reportedly in talks to acquire 2TM, the parent company of Brazil’s largest crypto exchange Mercado Bitcoin. According to a report from local publication Estadão, Coinbase is expected to close the deal sometime in April. Coinbase shares gained 0.3% to $187.18 in the after-hours trading session.</p><p>Analysts are expecting Jefferies Financial Group Inc. JEF to have earned $0.88 per share on revenue of $1.55 billion for the latest quarter. The company will release quarterly earnings before the markets open. Jefferies shares gained 0.7% to close at $32.35 on Friday.</p><p>Express, Inc. EXPR named Jason Judd as Senior Vice President &amp; Chief Financial Officer. Express shares gained 1.4% to $3.59 in after-hours trading.</p><p>Analysts expect Dave &amp; Buster&#39;s Entertainment, Inc. PLAY to post quarterly earnings at $0.61 per share on revenue of $365.37 million after the closing bell. Dave &amp; Buster&#39;s shares gained 0.8% to $43.69 in after-hours trading.</p></body></html>","source":"lsy1606299360108","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>U.S. Stocks to Watch: SAIC, Coinbase, Jefferies, Express and More</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\">\nU.S. Stocks to Watch: SAIC, Coinbase, Jefferies, Express and More\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-03-28 17:21 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.benzinga.com/news/earnings/22/03/26315631/5-stocks-to-watch-for-march-28-2022><strong>Benzinga</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Some of the stocks that may grab investor focus today are:Wall Street expects Science Applications International Corporation SAIC to report quarterly earnings at $1.23 per share on revenue of $1.77 ...</p>\n\n<a href=\"https://www.benzinga.com/news/earnings/22/03/26315631/5-stocks-to-watch-for-march-28-2022\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"PLAY":"Dave & Buster","SAIC":"Science Applications Internation","COIN":"Coinbase Global, Inc.","JEF":"杰富瑞","EXPR":"Express, Inc."},"source_url":"https://www.benzinga.com/news/earnings/22/03/26315631/5-stocks-to-watch-for-march-28-2022","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1145209940","content_text":"Some of the stocks that may grab investor focus today are:Wall Street expects Science Applications International Corporation SAIC to report quarterly earnings at $1.23 per share on revenue of $1.77 billion before the opening bell. SAIC shares gained 2.6% to $94.00 in after-hours trading.Coinbase Global Inc COIN is reportedly in talks to acquire 2TM, the parent company of Brazil’s largest crypto exchange Mercado Bitcoin. According to a report from local publication Estadão, Coinbase is expected to close the deal sometime in April. Coinbase shares gained 0.3% to $187.18 in the after-hours trading session.Analysts are expecting Jefferies Financial Group Inc. JEF to have earned $0.88 per share on revenue of $1.55 billion for the latest quarter. The company will release quarterly earnings before the markets open. Jefferies shares gained 0.7% to close at $32.35 on Friday.Express, Inc. EXPR named Jason Judd as Senior Vice President & Chief Financial Officer. Express shares gained 1.4% to $3.59 in after-hours trading.Analysts expect Dave & Buster's Entertainment, Inc. PLAY to post quarterly earnings at $0.61 per share on revenue of $365.37 million after the closing bell. Dave & Buster's shares gained 0.8% to $43.69 in after-hours trading.","news_type":1},"isVote":1,"tweetType":1,"viewCount":405,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9019010615,"gmtCreate":1648490985057,"gmtModify":1676534344411,"author":{"id":"3563603119579403","authorId":"3563603119579403","name":"530314JJM","avatar":"https://static.tigerbbs.com/d4ab8e0d16ad0291bb6aef07edda6aeb","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3563603119579403","authorIdStr":"3563603119579403"},"themes":[],"htmlText":"Interesting&nbsp;","listText":"Interesting&nbsp;","text":"Interesting","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9019010615","repostId":"1197498442","repostType":4,"isVote":1,"tweetType":1,"viewCount":441,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9010486234,"gmtCreate":1648448854281,"gmtModify":1676534339236,"author":{"id":"3563603119579403","authorId":"3563603119579403","name":"530314JJM","avatar":"https://static.tigerbbs.com/d4ab8e0d16ad0291bb6aef07edda6aeb","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3563603119579403","authorIdStr":"3563603119579403"},"themes":[],"htmlText":"Like it&nbsp;","listText":"Like it&nbsp;","text":"Like it","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9010486234","repostId":"1191611475","repostType":2,"repost":{"id":"1191611475","kind":"news","pubTimestamp":1648341534,"share":"https://ttm.financial/m/news/1191611475?lang=&edition=fundamental","pubTime":"2022-03-27 08:38","market":"us","language":"en","title":"SoFi Stock Bulls Can Rejoice as a Great Catalyst Is Coming Up","url":"https://stock-news.laohu8.com/highlight/detail?id=1191611475","media":"investorplace","summary":"SoFi’s (NASDAQ:SOFI) stock has been declining, and it’s not surprising. Investing in fintech stocks ","content":"<html><head></head><body><p>SoFi’s (NASDAQ:SOFI) stock has been declining, and it’s not surprising. Investing in fintech stocks during this time is often considered a tough decision. The tensions between Russia and Ukraine are heating up.</p><p>The Federal Reserve is looking to reign in inflation through interest rate hikes on the domestic front. However, considering the positive catalysts on the horizon now is not the time to part ways with SoFi stock.</p><p>The financial industry is changing rapidly, and the pace of innovation is increasing. Banks are increasingly using APIs to power their business. They are also looking for new ways to compete with fintech, which offers various products and services.</p><p>SoFi is a successful example of a company that has transformed the banking industry by offering customers a “one-stop-shop” financial services platform that includes personal loans, mortgages, savings accounts, and wealth management products. SoFi’s success can be attributed to its innovative business model and focus on customer experience.</p><p>One of the biggest pieces of news coming from SoFi was its fourth-quarter earnings report and its recent approval for a bank charter. Both of the announcements were positive catalysts for the stock. This is great news for existing SoFi customers and investors looking to invest in the company.</p><p>But shares of the company are still trading at cheap multiples versus their 52-week high. That is why many risk-tolerant investors are drooling at the prospect of investing in this one.</p><h2>Student Debt Refinancing Volume Returning</h2><p>Despite the negative market sentiment, SoFi is not making any wrong moves. The overall market machinations are having an impact on every tech stock out there.</p><p>Management took several steps to help the company deal with the pandemic, and they have done a great job meeting these challenges. Despite seeing its student loan origination volume drop drastically, the company managed to do well because of a three-business segment operating model. The CARES Act led to lower student loan origination after the virus. The legislation kept a freeze in effect during the pandemic. After that, there have been several extensions, and the latest one ends on May 1.</p><p>Lawmakers could push for extensions. However, the pandemic has receded, and things are getting back to normal. Therefore, it is likely that this is the last extension. If that is the case, then the student loan business can return and drive returns in the second half of the year. That is a major catalyst that the company can look forward towards.</p><h2>Diversifying the Revenue Mix</h2><p>Interestingly, Covid-19 allowed the company to reassess its product portfolio. In doing so, it managed to power its portfolio with new products. Its Galileo and Financial Services segments proved money-spinners in this regard, and you can make a case that they can outperform the Lending segment in the long run.</p><p>Galileo is a payment platform that provides customers with an API. The platform allows merchants to create their own branded payment cards, which customers can use to make payments.</p><p>Galileo offers a solution for businesses and consumers who want to avoid the high transaction fees associated with credit and debit card transactions.</p><p>Technology Platform segment net revenue for the fourth quarter of 2021 was $53.3 million, which is up 42% from the comparable prior-year period. For the full year of 2021, segment net revenue was $194.9 million, representing year-on-year growth of 102%.</p><p>Meanwhile, the company’s financial services segment includes SoFi Invest, Money, Credit Card, and Lantern by SoFi.</p><p>The fourth-quarter revenue for this division was $22 million, which was more than five times the total revenue from 2020. This is a significant accomplishment made while building out this segment.</p><p>In addition, the company is nearing the closure of its purchase of Technisys in an all-stock deal worth $1.1 billion. This deal will allow the company to grow its user base in Latin America and also improve services in terms of personalized offerings. In addition, the agreement is expected to reduce operating expenses by $75 million to $85 million between 2023 and 2025. As my colleague, Vandita Jadeja said, the purchase is another step toward becoming a one-stop-shop for all financial services.</p><h2>The Bottom Line</h2><p>Due to the bearish market sentiment, investors are avoiding fintech stocks. However, it’s important to judge every company on its merits. The broader market issues will impact the price. Ultimately, though, the markets will reward a strong operating model.</p><p>SoFi has all the advantages to succeed in the future. They can offer lower interest rates and flexible repayment plans, making their services more attractive than other lenders. Plus, as the end of a federal moratorium nears, it has an additional catalyst that will power its returns through the year.</p></body></html>","source":"lsy1606302653667","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>SoFi Stock Bulls Can Rejoice as a Great Catalyst Is Coming Up</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\">\nSoFi Stock Bulls Can Rejoice as a Great Catalyst Is Coming Up\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-03-27 08:38 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://investorplace.com/2022/03/sofi-stock-bulls-can-rejoice-as-a-great-catalyst-is-coming-up/><strong>investorplace</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>SoFi’s (NASDAQ:SOFI) stock has been declining, and it’s not surprising. Investing in fintech stocks during this time is often considered a tough decision. The tensions between Russia and Ukraine are ...</p>\n\n<a href=\"https://investorplace.com/2022/03/sofi-stock-bulls-can-rejoice-as-a-great-catalyst-is-coming-up/\">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://investorplace.com/2022/03/sofi-stock-bulls-can-rejoice-as-a-great-catalyst-is-coming-up/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1191611475","content_text":"SoFi’s (NASDAQ:SOFI) stock has been declining, and it’s not surprising. Investing in fintech stocks during this time is often considered a tough decision. The tensions between Russia and Ukraine are heating up.The Federal Reserve is looking to reign in inflation through interest rate hikes on the domestic front. However, considering the positive catalysts on the horizon now is not the time to part ways with SoFi stock.The financial industry is changing rapidly, and the pace of innovation is increasing. Banks are increasingly using APIs to power their business. They are also looking for new ways to compete with fintech, which offers various products and services.SoFi is a successful example of a company that has transformed the banking industry by offering customers a “one-stop-shop” financial services platform that includes personal loans, mortgages, savings accounts, and wealth management products. SoFi’s success can be attributed to its innovative business model and focus on customer experience.One of the biggest pieces of news coming from SoFi was its fourth-quarter earnings report and its recent approval for a bank charter. Both of the announcements were positive catalysts for the stock. This is great news for existing SoFi customers and investors looking to invest in the company.But shares of the company are still trading at cheap multiples versus their 52-week high. That is why many risk-tolerant investors are drooling at the prospect of investing in this one.Student Debt Refinancing Volume ReturningDespite the negative market sentiment, SoFi is not making any wrong moves. The overall market machinations are having an impact on every tech stock out there.Management took several steps to help the company deal with the pandemic, and they have done a great job meeting these challenges. Despite seeing its student loan origination volume drop drastically, the company managed to do well because of a three-business segment operating model. The CARES Act led to lower student loan origination after the virus. The legislation kept a freeze in effect during the pandemic. After that, there have been several extensions, and the latest one ends on May 1.Lawmakers could push for extensions. However, the pandemic has receded, and things are getting back to normal. Therefore, it is likely that this is the last extension. If that is the case, then the student loan business can return and drive returns in the second half of the year. That is a major catalyst that the company can look forward towards.Diversifying the Revenue MixInterestingly, Covid-19 allowed the company to reassess its product portfolio. In doing so, it managed to power its portfolio with new products. Its Galileo and Financial Services segments proved money-spinners in this regard, and you can make a case that they can outperform the Lending segment in the long run.Galileo is a payment platform that provides customers with an API. The platform allows merchants to create their own branded payment cards, which customers can use to make payments.Galileo offers a solution for businesses and consumers who want to avoid the high transaction fees associated with credit and debit card transactions.Technology Platform segment net revenue for the fourth quarter of 2021 was $53.3 million, which is up 42% from the comparable prior-year period. For the full year of 2021, segment net revenue was $194.9 million, representing year-on-year growth of 102%.Meanwhile, the company’s financial services segment includes SoFi Invest, Money, Credit Card, and Lantern by SoFi.The fourth-quarter revenue for this division was $22 million, which was more than five times the total revenue from 2020. This is a significant accomplishment made while building out this segment.In addition, the company is nearing the closure of its purchase of Technisys in an all-stock deal worth $1.1 billion. This deal will allow the company to grow its user base in Latin America and also improve services in terms of personalized offerings. In addition, the agreement is expected to reduce operating expenses by $75 million to $85 million between 2023 and 2025. As my colleague, Vandita Jadeja said, the purchase is another step toward becoming a one-stop-shop for all financial services.The Bottom LineDue to the bearish market sentiment, investors are avoiding fintech stocks. However, it’s important to judge every company on its merits. The broader market issues will impact the price. Ultimately, though, the markets will reward a strong operating model.SoFi has all the advantages to succeed in the future. They can offer lower interest rates and flexible repayment plans, making their services more attractive than other lenders. Plus, as the end of a federal moratorium nears, it has an additional catalyst that will power its returns through the year.","news_type":1},"isVote":1,"tweetType":1,"viewCount":362,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9010489586,"gmtCreate":1648448069670,"gmtModify":1676534339132,"author":{"id":"3563603119579403","authorId":"3563603119579403","name":"530314JJM","avatar":"https://static.tigerbbs.com/d4ab8e0d16ad0291bb6aef07edda6aeb","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3563603119579403","authorIdStr":"3563603119579403"},"themes":[],"htmlText":"Like&nbsp;","listText":"Like&nbsp;","text":"Like","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9010489586","repostId":"1129748367","repostType":4,"repost":{"id":"1129748367","kind":"news","pubTimestamp":1648434945,"share":"https://ttm.financial/m/news/1129748367?lang=&edition=fundamental","pubTime":"2022-03-28 10:35","market":"other","language":"en","title":"What Is the Outlook for ASX 200 Mining Shares in April?","url":"https://stock-news.laohu8.com/highlight/detail?id=1129748367","media":"Motley Fool","summary":"Large-cap ASX mining shares are outperforming again today, with the resources sector a key reason wh","content":"<html><head></head><body><p>Large-cap ASX mining shares are outperforming again today, with the resources sector a key reason why the S&amp;P/ASX 200 Index (ASX: XJO) has also outperformed over the past several weeks.</p><p>But some may be wondering if ASX 200 mining shares can keep delivering the goods next month after their strong run.</p><p>Some experts believe they can. In fact, they claim we may be only at the start of a significant earnings upgrade cycle, according to the Australian Financial Review.</p><h2>Bright outlook for ASX 200 mining shares</h2><p>Analysts have been slow to lift their commodity price assumptions even as metals and energy prices have soared.</p><p>The war in Ukraine and ongoing bottlenecks caused by the COVID-19 pandemic appear to be forcing prices higher.</p><p>The gap between consensus forecasts and spot prices have widened further this quarter. This gap is likely to remain large given the prices commodities are fetching in the futures market.</p><h2>Playing catch-up to rallying prices</h2><p>The AFR noted that this could trigger large upgrades for ASX 200 mining shares and energy shares.</p><p>Ben Cleary, portfolio manager of the Tribeca Natural Resources Fund, told the publication:</p><p>The quarterly earnings and forecast revision cycle usually comes out around this time and analysts are only just playing catch up now.</p><p>They probably started the year too bearish on commodity prices anyway and the prices are going to have to be upgraded.</p><p>And just in case you were wondering, this situation where analysts are rushing to play catch up is not uncommon. If anything, analysts have a history of being slow to lift forecasts when volatile commodities rally.</p><p>Morgan Stanley is one that is moving to close the gap. It upped its zinc forecast by a whopping 48% to US$1.72 a pound, reported the AFR.</p><h2>Commodities with large upgrades</h2><p>It also increased its nickel estimates by 19% to US$12.48 a pound and iron ore by 9% to US$155 a tonne.</p><p>For iron ore, this brings the broker a lot closer to spot price than many of its peers, who have pencilled in a price of less than US$100 a tonne for 2022.</p><p>The upgrades for energy-related commodities are even larger for Morgan Stanley. Its forecast for lithium carbonate is now 225% higher at US$46,000 a tonne, while thermal coal is upgraded by 96% to US$255 a tonne.</p><h2>Good news for miners</h2><p>As other analysts follow Morgan Stanley’s move, we can potentially see a big valuation lift for several ASX 200 mining shares.</p><p>That’s good news for the share prices of ASX iron ore miners including BHP Group Ltd (ASX: BHP), Rio Tinto Limited (ASX: RIO) and Fortescue Metals Group Limited (ASX: FMG), as well as the major lithium players.</p></body></html>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>What Is the Outlook for ASX 200 Mining Shares in April?</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\">\nWhat Is the Outlook for ASX 200 Mining Shares in April?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-03-28 10:35 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com.au/2022/03/28/what-is-the-outlook-for-asx-200-mining-shares-in-april/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Large-cap ASX mining shares are outperforming again today, with the resources sector a key reason why the S&P/ASX 200 Index (ASX: XJO) has also outperformed over the past several weeks.But some may be...</p>\n\n<a href=\"https://www.fool.com.au/2022/03/28/what-is-the-outlook-for-asx-200-mining-shares-in-april/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"FMG.AU":"FORTESCUE LTD","RIO":"力拓","BHP":"必和必拓公司"},"source_url":"https://www.fool.com.au/2022/03/28/what-is-the-outlook-for-asx-200-mining-shares-in-april/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1129748367","content_text":"Large-cap ASX mining shares are outperforming again today, with the resources sector a key reason why the S&P/ASX 200 Index (ASX: XJO) has also outperformed over the past several weeks.But some may be wondering if ASX 200 mining shares can keep delivering the goods next month after their strong run.Some experts believe they can. In fact, they claim we may be only at the start of a significant earnings upgrade cycle, according to the Australian Financial Review.Bright outlook for ASX 200 mining sharesAnalysts have been slow to lift their commodity price assumptions even as metals and energy prices have soared.The war in Ukraine and ongoing bottlenecks caused by the COVID-19 pandemic appear to be forcing prices higher.The gap between consensus forecasts and spot prices have widened further this quarter. This gap is likely to remain large given the prices commodities are fetching in the futures market.Playing catch-up to rallying pricesThe AFR noted that this could trigger large upgrades for ASX 200 mining shares and energy shares.Ben Cleary, portfolio manager of the Tribeca Natural Resources Fund, told the publication:The quarterly earnings and forecast revision cycle usually comes out around this time and analysts are only just playing catch up now.They probably started the year too bearish on commodity prices anyway and the prices are going to have to be upgraded.And just in case you were wondering, this situation where analysts are rushing to play catch up is not uncommon. If anything, analysts have a history of being slow to lift forecasts when volatile commodities rally.Morgan Stanley is one that is moving to close the gap. It upped its zinc forecast by a whopping 48% to US$1.72 a pound, reported the AFR.Commodities with large upgradesIt also increased its nickel estimates by 19% to US$12.48 a pound and iron ore by 9% to US$155 a tonne.For iron ore, this brings the broker a lot closer to spot price than many of its peers, who have pencilled in a price of less than US$100 a tonne for 2022.The upgrades for energy-related commodities are even larger for Morgan Stanley. Its forecast for lithium carbonate is now 225% higher at US$46,000 a tonne, while thermal coal is upgraded by 96% to US$255 a tonne.Good news for minersAs other analysts follow Morgan Stanley’s move, we can potentially see a big valuation lift for several ASX 200 mining shares.That’s good news for the share prices of ASX iron ore miners including BHP Group Ltd (ASX: BHP), Rio Tinto Limited (ASX: RIO) and Fortescue Metals Group Limited (ASX: FMG), as well as the major lithium players.","news_type":1},"isVote":1,"tweetType":1,"viewCount":320,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9010480771,"gmtCreate":1648447917114,"gmtModify":1676534339156,"author":{"id":"3563603119579403","authorId":"3563603119579403","name":"530314JJM","avatar":"https://static.tigerbbs.com/d4ab8e0d16ad0291bb6aef07edda6aeb","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3563603119579403","authorIdStr":"3563603119579403"},"themes":[],"htmlText":"Like&nbsp;","listText":"Like&nbsp;","text":"Like","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9010480771","repostId":"1133083183","repostType":4,"isVote":1,"tweetType":1,"viewCount":243,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9010480584,"gmtCreate":1648447773725,"gmtModify":1676534339140,"author":{"id":"3563603119579403","authorId":"3563603119579403","name":"530314JJM","avatar":"https://static.tigerbbs.com/d4ab8e0d16ad0291bb6aef07edda6aeb","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3563603119579403","authorIdStr":"3563603119579403"},"themes":[],"htmlText":"Like&nbsp;","listText":"Like&nbsp;","text":"Like","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9010480584","repostId":"2222854139","repostType":4,"repost":{"id":"2222854139","kind":"highlight","pubTimestamp":1648434746,"share":"https://ttm.financial/m/news/2222854139?lang=&edition=fundamental","pubTime":"2022-03-28 10:32","market":"us","language":"en","title":"3 Growth Stocks That Are Great Long Term Picks","url":"https://stock-news.laohu8.com/highlight/detail?id=2222854139","media":"Motley Fool","summary":"These three stocks have characteristics that make them superb long-term winners.","content":"<html><head></head><body><p>The &#34;Holy Grail&#34; in investing is to pick long-term winners that can continue to compound your money through good times and bad. These are stocks that you can hold for years and even decades as they form a core part of your investment portfolio. These businesses provide you with the building blocks for a happy retirement fund as their share prices head higher over time.</p><p>The process of finding such businesses isn&#39;t as tough as it may seem. What you need to look for are characteristics that make these stocks great long-term picks. They should have strong business models and brands, be leaders in their industries, have proven models for sailing through various economic cycles, and have sustainable tailwinds on their backs to ensure they continue their steady growth.</p><p>Here are three growth stocks that satisfy the above criteria that you might want to consider adding to your investment portfolio.</p><p><b><a href=\"https://laohu8.com/S/ADBE\">Adobe</a></b></p><p><a href=\"https://laohu8.com/S/ADBE\">Adobe</a> is a company that offers various cloud solutions that connect content and data while also inspiring creativity and design. Well known for its portable document format (PDF), the company also offers its Creative Cloud, <a href=\"https://laohu8.com/S/EXP.AU\">Experience</a> Cloud, and Document Cloud to help businesses better manage their digital transformations. The software-as-a-service business has seen steady growth even through the pandemic, with total revenue rising from $11.2 billion in fiscal 2019 (FY2019) to $15.8 billion in FY2021.</p><p>The power of its subscription model is clear, as the proportion of subscription revenue during this period has increased from 86% to 92%. Operating income surged from $3.3 billion in FY2019 to $5.8 billion in FY2021, while net income rose from $3 billion to $4.8 billion. This momentum has carried into Adobe&#39;s fiscal 2022&#39;s first quarter, which ended March 4, with total revenue rising 9% year-over-year to $4.3 billion and operating income climbing 8.7% year-over-year to $1.6 billion. Net income inched up 0.4% year-over-year due to a higher tax liability for the quarter. Free cash flow of $1.67 billion was generated, in line with the $1.71 billion generated in the prior year.</p><p>Adobe&#39;s total addressable market is estimated to be around $205 billion by 2024, providing the software cloud company with ample room for continued growth.</p><p><img src=\"https://static.tigerbbs.com/165eabb4320a0ec37f0673cc841ef64d\" tg-width=\"700\" tg-height=\"466\" referrerpolicy=\"no-referrer\"/><b><a href=\"https://laohu8.com/S/CMG\">Chipotle Mexican Grill</a></b></p><p><a href=\"https://laohu8.com/S/CMG\">Chipotle Mexican Grill</a> runs a chain of restaurants serving Mexican cuisine such as tacos, quesadillas, and burritos. The company has been successful in managing the temporary closures related to COVID-19 back in 2020, and has pivoted its business toward digital sales. The result has been impressive: Total revenue for the Mexican food chain went from $5.6 billion in FY2019 to $7.5 billion in FY2021 without experiencing a dip. Over the same period, operating income climbed from $444 million to $805 million, while net income jumped from $350.2 million to $653 million.</p><p>Digital sales continued to grow, rising by 24.7% year-over-year for FY2021 and accounting for 45.6% of total sales. Comparable restaurant sales improved by 19.3% year-over-year, and just last month Chipotle celebrated the opening of its 3,000th restaurant in Phoenix, Arizona. The company opened 215 new locations in the U.S., Canada, and Europe, and around eight out of ten of these locations featured a &#34;Chipotlane&#34;. Chipotlanes allow for quick and easy pick-up by drivers, and represent the latest innovation by the company to focus on quick turnarounds.</p><p>CEO Brian Niccol has a goal of having 7,000 restaurants in the U.S., and this year alone the company plans to open between 235 and 250 new restaurants. Chipotle is also successfully innovating its menu by introducing a new chicken offering for the first time in its history, attracting more customers and encouraging repeat visits.</p><p><b><a href=\"https://laohu8.com/S/MTCH\">Match Group</a></b></p><p>The pandemic has thrown a spotlight on just how lonely people can get when subject to movement restrictions and social distancing. That&#39;s where <a href=\"https://laohu8.com/S/MTCH\">Match Group</a> comes in to fill the gap with its wide range of dating apps such as Tinder, OKCupid, Hinge, and Meetic. Revenue has risen steadily from $2 billion in FY2019 to $2.98 billion in FY2021 as more people flocked to use the company&#39;s apps. Operating income rose from $645 million to $851.7 million, but net income in FY2021 took a hit due to a $441 million employee litigation payout that Match Group had to provide for.</p><p>Apart from the blip above, Match Group has done well to consistently grow its user base, revenue and bottom line. The number of paying customers rose by 15% year-over-year in FY2021 to 16.2 million, while revenue per customer inched up by 8% year-over-year to $16.16. Although Tinder still makes up more than half of Match Group&#39;s revenue, there&#39;s evidence that emerging brands such as Hinge and the newly acquired Hyperconnect are gaining traction. Hinge saw its revenue more than double to $197 million in FY2021 and is now focused on international expansion, while Hyperconnect rolled out live streaming on its Azar app and enjoyed a better performance in December 2021 compared to earlier months.</p><p>Not neglecting its established brands, Match intends to incorporate new features such as audio and video into its apps to increase their appeal. The company has launched a new premium service for serious daters, and introduced a new brand, Stir, that taps on the company&#39;s platform and that focuses on single parents. Match is projecting a 15% to 20% year-over-year revenue increase, and is confident of continuing its growth trajectory.</p></body></html>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>3 Growth Stocks That Are Great Long Term Picks</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\">\n3 Growth Stocks That Are Great Long Term Picks\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-03-28 10:32 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2022/03/27/3-growth-stocks-that-are-great-long-term-picks/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>The \"Holy Grail\" in investing is to pick long-term winners that can continue to compound your money through good times and bad. These are stocks that you can hold for years and even decades as they ...</p>\n\n<a href=\"https://www.fool.com/investing/2022/03/27/3-growth-stocks-that-are-great-long-term-picks/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"MTCH":"Match Group, Inc.","BK4567":"ESG概念","BK4534":"瑞士信贷持仓","ADBE":"Adobe","BK4581":"高盛持仓","BK4528":"SaaS概念","BK4533":"AQR资本管理(全球第二大对冲基金)","CMG":"墨式烧烤","BK4566":"资本集团","BK4554":"元宇宙及AR概念"},"source_url":"https://www.fool.com/investing/2022/03/27/3-growth-stocks-that-are-great-long-term-picks/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2222854139","content_text":"The \"Holy Grail\" in investing is to pick long-term winners that can continue to compound your money through good times and bad. These are stocks that you can hold for years and even decades as they form a core part of your investment portfolio. These businesses provide you with the building blocks for a happy retirement fund as their share prices head higher over time.The process of finding such businesses isn't as tough as it may seem. What you need to look for are characteristics that make these stocks great long-term picks. They should have strong business models and brands, be leaders in their industries, have proven models for sailing through various economic cycles, and have sustainable tailwinds on their backs to ensure they continue their steady growth.Here are three growth stocks that satisfy the above criteria that you might want to consider adding to your investment portfolio.AdobeAdobe is a company that offers various cloud solutions that connect content and data while also inspiring creativity and design. Well known for its portable document format (PDF), the company also offers its Creative Cloud, Experience Cloud, and Document Cloud to help businesses better manage their digital transformations. The software-as-a-service business has seen steady growth even through the pandemic, with total revenue rising from $11.2 billion in fiscal 2019 (FY2019) to $15.8 billion in FY2021.The power of its subscription model is clear, as the proportion of subscription revenue during this period has increased from 86% to 92%. Operating income surged from $3.3 billion in FY2019 to $5.8 billion in FY2021, while net income rose from $3 billion to $4.8 billion. This momentum has carried into Adobe's fiscal 2022's first quarter, which ended March 4, with total revenue rising 9% year-over-year to $4.3 billion and operating income climbing 8.7% year-over-year to $1.6 billion. Net income inched up 0.4% year-over-year due to a higher tax liability for the quarter. Free cash flow of $1.67 billion was generated, in line with the $1.71 billion generated in the prior year.Adobe's total addressable market is estimated to be around $205 billion by 2024, providing the software cloud company with ample room for continued growth.Chipotle Mexican GrillChipotle Mexican Grill runs a chain of restaurants serving Mexican cuisine such as tacos, quesadillas, and burritos. The company has been successful in managing the temporary closures related to COVID-19 back in 2020, and has pivoted its business toward digital sales. The result has been impressive: Total revenue for the Mexican food chain went from $5.6 billion in FY2019 to $7.5 billion in FY2021 without experiencing a dip. Over the same period, operating income climbed from $444 million to $805 million, while net income jumped from $350.2 million to $653 million.Digital sales continued to grow, rising by 24.7% year-over-year for FY2021 and accounting for 45.6% of total sales. Comparable restaurant sales improved by 19.3% year-over-year, and just last month Chipotle celebrated the opening of its 3,000th restaurant in Phoenix, Arizona. The company opened 215 new locations in the U.S., Canada, and Europe, and around eight out of ten of these locations featured a \"Chipotlane\". Chipotlanes allow for quick and easy pick-up by drivers, and represent the latest innovation by the company to focus on quick turnarounds.CEO Brian Niccol has a goal of having 7,000 restaurants in the U.S., and this year alone the company plans to open between 235 and 250 new restaurants. Chipotle is also successfully innovating its menu by introducing a new chicken offering for the first time in its history, attracting more customers and encouraging repeat visits.Match GroupThe pandemic has thrown a spotlight on just how lonely people can get when subject to movement restrictions and social distancing. That's where Match Group comes in to fill the gap with its wide range of dating apps such as Tinder, OKCupid, Hinge, and Meetic. Revenue has risen steadily from $2 billion in FY2019 to $2.98 billion in FY2021 as more people flocked to use the company's apps. Operating income rose from $645 million to $851.7 million, but net income in FY2021 took a hit due to a $441 million employee litigation payout that Match Group had to provide for.Apart from the blip above, Match Group has done well to consistently grow its user base, revenue and bottom line. The number of paying customers rose by 15% year-over-year in FY2021 to 16.2 million, while revenue per customer inched up by 8% year-over-year to $16.16. Although Tinder still makes up more than half of Match Group's revenue, there's evidence that emerging brands such as Hinge and the newly acquired Hyperconnect are gaining traction. Hinge saw its revenue more than double to $197 million in FY2021 and is now focused on international expansion, while Hyperconnect rolled out live streaming on its Azar app and enjoyed a better performance in December 2021 compared to earlier months.Not neglecting its established brands, Match intends to incorporate new features such as audio and video into its apps to increase their appeal. The company has launched a new premium service for serious daters, and introduced a new brand, Stir, that taps on the company's platform and that focuses on single parents. Match is projecting a 15% to 20% year-over-year revenue increase, and is confident of continuing its growth trajectory.","news_type":1},"isVote":1,"tweetType":1,"viewCount":353,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":207903384690912,"gmtCreate":1691781516715,"gmtModify":1691781521560,"author":{"id":"3563603119579403","authorId":"3563603119579403","name":"530314JJM","avatar":"https://static.tigerbbs.com/d4ab8e0d16ad0291bb6aef07edda6aeb","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3563603119579403","authorIdStr":"3563603119579403"},"themes":[],"htmlText":"Share your opinion about this news…","listText":"Share your opinion about this news…","text":"Share your opinion about this news…","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/207903384690912","repostId":"2358062068","repostType":2,"repost":{"id":"2358062068","kind":"highlight","pubTimestamp":1691760868,"share":"https://ttm.financial/m/news/2358062068?lang=&edition=fundamental","pubTime":"2023-08-11 21:34","market":"us","language":"en","title":"The Retiree's Dividend Portfolio: John's June Update - The Impact Of Student Loan Debt On Non-Discretionary Spending","url":"https://stock-news.laohu8.com/highlight/detail?id=2358062068","media":"seekingalpha","summary":"We currently have a personal finance crisis in this country that includes record rates of consumer credit card debt, average new car payments in excess of $700/month, climbing mortgage rates, and we have all seen bills for everyday goods like groceries hit by inflation. The average American has little to no safety net built into their budget which is why any increases in living expenses can become very concerning since the potential of student loan payments, which most borrowers haven't considered since pre-","content":"<html><body><p><figure><picture> <img height=\"1024px\" loading=\"lazy\" sizes=\"(max-width: 768px) calc(100vw - 36px), (max-width: 1024px) calc(100vw - 132px), (max-width: 1200px) calc(66.6vw - 72px), 600px\" src=\"https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1216195259/image_1216195259.jpg?io=getty-c-w750\" srcset=\"https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1216195259/image_1216195259.jpg?io=getty-c-w1536 1536w, https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1216195259/image_1216195259.jpg?io=getty-c-w1280 1280w, https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1216195259/image_1216195259.jpg?io=getty-c-w1080 1080w, https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1216195259/image_1216195259.jpg?io=getty-c-w750 750w, https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1216195259/image_1216195259.jpg?io=getty-c-w640 640w, https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1216195259/image_1216195259.jpg?io=getty-c-w480 480w, https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1216195259/image_1216195259.jpg?io=getty-c-w320 320w, https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1216195259/image_1216195259.jpg?io=getty-c-w240 240w\" width=\"1536px\"/> </picture><figcaption> <p>Stephanie Zieber/iStock via Getty Images</p></figcaption></figure></p> <p>While I have personally never had the displeasure of student loan debt I did inherit quite a bit when my wife and I tied the knot. At the time that worked out to be somewhere<span> in the neighborhood of $36,000 and based on her income she was required to pay about $450/month. We chose to pay $800/month because I found the absurd rate of 6% to be worth paying down when our mortgage was at 2.75%.</span></p> <p>Interestingly enough, she worked at a non-profit and one of the most common arguments I hear from borrowers in similar situations is that they don't need to worry about the debt because their employment makes them eligible for student loan forgiveness after 10 years at a non-profit. I always exercise a level of skepticism towards this because a lot of<span> it depends on specifics like working in lower-income areas or in locations like Barrow Alaska (the furthest city north in the United States) which have challenges attracting interested job-seekers.</span></p> <p>Now, let's assume that student loan forgiveness was this easy and was completely true. It made me curious as to whether or not someone did the math before assuming forgiveness would be to their benefit because most of these programs still require you to make minimum income-driven monthly payments. With that in mind, the government dictated that my wife owed $450/month and that she would need to pay those minimums (and I am not even factoring in the increases that would likely arise as her income grew) for at least 10 years.</p> <ol> <li>With 8 years remaining that works out to be a total of $43,200 by making the minimums. This also assumes that she stayed employed with a non-profit (for the record she left that employer only months after we went through this exercise for a better career opportunity). This would have come at a cost of over $10K of interest paid during this time.</li> <li>At the interest rate of 6%, she would have still had something like $2K (estimating from the loan amortization calculator) of principal left to pay that would ultimately be forgiven.</li> <li>If we continued to pay $800/month it would have been paid in full after 51 months and would have had an interest cost of less than $5K.</li> </ol> <p>Ultimately, when we sold our previous house, we took the proceeds, and we cleared this debt. Between the issues of working in the non-profit sector and how much would actually be forgiven, we saw the cost/benefit as relatively straightforward.</p> <p><em><strong>So what does this have to do with my retirement articles?</strong></em></p> <p>We currently have a personal finance crisis in this country that includes record rates of consumer credit card debt, average new car payments in excess of $700/month, climbing mortgage rates, and we have all seen bills for everyday goods like groceries hit by inflation. The average American has little to no safety net built into their budget which is why any increases in living expenses can become very concerning since the potential of student loan payments, which most borrowers haven't considered since pre-COVID, could see as the straw that broke the camel's back.</p> <p>This means that some stocks are going to be in trouble more than others, so the question is, which stocks should we be concerned about? There is no formula or specific sector that we can simply exclude altogether but we can draw some conclusions about the following:</p> <ul> <li>Non-essential products/services</li> <li>Housing (in particular apartment rents)</li> <li>Auto Loans</li> </ul> <p>I wanted to look at some of the stocks held in John and Jane's portfolio that could be impacted.</p> <p>Non-essential products and services could impact:</p> <ul> <li>Lowe's (LOW)</li> <li>EPR Properties (EPR)</li> </ul> <p>This is one reason why we cut the position in LOW by half recently. The stock price has jumped recently as the Q1-2023 earnings report showed strong earnings beat but a significant decrease in revenue. Management noted that the FY-2023 revenue would likely be down 2-4% and FY-2023 earnings guidance was cut down to $13.20-$13.60 per share compared to prior guidance of $13.60-14.00 per share.</p> <p>EPR holds properties like Top Golf, ski resorts, and other experiential real estate which typically carry an expensive price tag. This would suggest consumers that are feeling the pinch would choose to cut back on these expenditures of expenditures since the activity itself is not necessary.</p> <p>To be very clear, I like both LOW and EPR and plan to continue holding shares but the argument I am making is that student loan debt payments resuming is enough for me to at least say that I don't think LOW stock should be trading near its record high. With borrowers already struggling to pay higher car payments, credit cards, and even increased insurance costs/property taxes there are too many factors going against LOW's stock trading at all-time highs. To top it all off the dividend yield is less than 2% there just isn't a compelling reason in my opinion that John and Jane should maintain heavy exposure to the stock until there is a more compelling yield and opportunity for capital appreciation.</p> <p><figure><img height=\"366\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2023/8/4/saupload_d2fe474cf5121945fb9385454815ed53.png\" width=\"635\"/><figcaption>Data by YCharts</figcaption></figure></p> <p>Now I am applying this lens when viewing the other holdings to better understand how much exposure exists in John and Jane's portfolio to something like student loan payments.</p> <h2>Background</h2> <p>For those interested in John and Jane's full background, you can find at least three articles a month published for the last five years detailing the performance of their portfolio. I have continued to evolve the report over time by adding and removing information/images to make the updates more useful to the average investor. Here are the key details that should be understood when reading these updates.</p> <ul> <li>This is a real portfolio with actual shares being traded. This is not a practice portfolio which is why I include screenshots from Charles Schwab to document every change that is made.</li> <li>I am not a financial advisor and merely provide guidance based on a relationship that goes back several years.</li> <li>John retired in January 2018 and has collected Social Security income as his regular source of income. John also currently withdraws $1,000/month from his Traditional IRA.</li> <li>Jane retired at the beginning of 2021 and decided to begin collecting Social Security early and has not made any withdrawals from her retirement accounts yet.</li> <li>John and Jane began drawing funds from the Taxable Account in 2022 at $1,000/month. After speaking with them this amount has been increased to $1,700/month. This withdrawal is still covered entirely by dividend and interest income.</li> <li>John and Jane have other investments outside of what I manage. These investments primarily consist of minimal-risk bonds and low-yield certificates.</li> <li>John and Jane have no debt or monthly payments other than basic recurring bills such as water, power, property taxes, etc.</li> </ul> <p>The reason why I started helping John and Jane with their retirement accounts is that I was infuriated by the fees they were being charged by their previous financial advisor. <em><strong>I do not charge John and Jane for anything that I do</strong>.</em></p> <p><em>The only request I have made of John and Jane is that they allow me to publish their portfolio anonymously because I want to help as many people as I can while holding myself accountable and improving my thought process.</em></p> <p><em>I started this series to address issues I have had when reading other authors with similar types of updates (I am not saying they are wrong, but I found myself questioning their actual performance because they never provided enough information to cover loose ends).</em></p> <h2>Here is My Promise to Readers:</h2> <ul> <li>I aim to give as much information as needed so readers can feel confident that what I do is real.</li> <li>Even if you agree the results are real this does not mean I expect you to agree with me and I will always answer constructive criticism whenever possible. I will respond with the same genuine intent that the question was asked with.</li> <li>I am very transparent about the portfolio and consistency is a significant goal of mine. All of my data points (unless noted otherwise) are derived from month-end statements from Charles Schwab. Even when things aren't looking great (Spring 2020 for example) you will know because I provide enough information that it would be impossible for me to manipulate.</li> <li>This article is not intended to be advice or a call to action and is for informational purposes only (I am not a financial advisor and I don't claim to be one). My goal is to challenge conventional thinking and empower you to take control of your investments (if that's something you want to do).</li> </ul> <p>Generating a stable and growing dividend income with an emphasis on capital preservation has become the primary focus of this portfolio. I am least concerned about capital appreciation which is why the decisions made will seem pretty conservative most of the time. I may measure the performance of the portfolio relative to indexes and ETFs but the key metric I am focused on is delivering a more stable source of cash flow to John and Jane over time that allows them to live a comfortable retirement that includes minimal stress related to finances.</p> <h2>Dividend Decreases</h2> <p>No companies in John's Traditional and Roth IRA accounts eliminated or reduced their dividend during the month of June.</p> <h2>Dividend Increases</h2> <p>Three companies paid increased dividends/distributions or a special dividend during the month of June.</p> <ul> <li>Columbia Banking System (COLB)</li> <li><a href=\"https://laohu8.com/S/MAIN\">Main Street Capital</a> (MAIN)</li> <li>PepsiCo (PEP)</li> </ul> <p>MAIN was covered in Jane's Retirement account update. I will only include information about the dividend increases associated with these. Those interested in reading the summary MAIN can check the links at the end of the article.</p> <p><strong>Columbia Banking System</strong> - When Columbia Bank and Umpqua (UMPQ) merged it made sense to take banks with two different focuses and bring them together. Columbia Bank was always known for its business lending prowess and Umpqua had a robust mortgage lending portfolio (I worked at Umpqua as a Secondary Market Analyst hedging the mortgage portfolio and selling mortgage-backed securities for 2.5 years). The dividend increase is a sign to me that the combined entity is on track to reach the cost synergies that were projected from the merger.</p> <p>Nearly every aspect of the balance sheet has improved as a result of the merger, so I do believe that the long-term safety of remaining invested in COLB makes sense. The stock is currently priced at ultimate pessimism, recently trading at a multiple that is less than it was during the initial stages of COVID in 2020. We will likely commit some additional funds to this position because of the potential benefit from capital gains and the compelling dividend yield.</p> <p><figure contenteditable=\"false\"><span><img contenteditable=\"false\" height=\"382\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2023/8/3/17593862-16910462413073518.jpg\" width=\"640\"/></span><figcaption><p>COLB - FastGraphs 6-2023 <span>(FastGraphs)</span></p></figcaption></figure></p> <p><em>The dividend was increased from $.30/share per quarter to $.36/share per quarter. This represents an increase of 20% and a new full-year payout of $1.44/share compared with the previous $1.20/</em><em>share. This results in a current yield of 6.53% based on the current share price of $21.84.</em></p> <p><strong>Main Street Capital</strong> - <em>A supplemental dividend of $.225/share was issued during the month of June.</em></p> <p><strong>Pepsi</strong> - I think Pepsi is a great company that has made a lot of efficiency improvements over the last few years and John has seen the value of his positions increase significantly during this time. One metric I like to use for PEP is the dividend yield to help determine how attractively (or unattractively) the stock is currently priced. The dividend yield is currently sitting at a 10-year low which suggests that the stock price is likely to plateau in the best-case scenario.</p> <p>This is where I ask the question, should we keep a full position invested or does it make more sense to invest the proceeds in stable certificates that will protect the capital while also returning a yield that is more than double the current dividend yield.</p> <p>These negatives aside, long-term dividend growth investors should take comfort in the recent 10% dividend increase which is higher than the 10-year average increase of 8%. The 50-year history of consecutive dividend increases is also a compelling reason to hold shares over the long run. As for John's portfolio, we have no problem reducing the size of the position and putting funds in a safer instrument that generates more income.</p> <p><figure contenteditable=\"false\"><span><img contenteditable=\"false\" height=\"340\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2023/8/4/17593862-16911312513986173.jpg\" width=\"640\"/></span><figcaption><p>PEP - Dividend Yield <span>(CDI)</span></p></figcaption></figure></p> <p><em>The dividend was increased from $1.15/share per quarter to $1.265/share per quarter. This represents an increase of 10% and a new full-year payout of $5.06/share compared with the previous $4.60/</em><em>share. This results in a current yield of 2.69% based on the current share price of $187.12.</em></p> <h2>Retirement Account Positions</h2> <p>There are currently 37 different positions in John's Traditional IRA and 23 different positions in John's Roth IRA. While this may seem like a lot, it is important to remember that many of these stocks cross over in both accounts and are also held in the Taxable Portfolio.</p> <p>Below is a list of the trades that took place in the Traditional IRA during the month of June.</p> <p><figure contenteditable=\"false\"><span><img contenteditable=\"false\" height=\"67\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2023/8/3/17593862-16910475714846566.jpg\" width=\"640\"/></span><figcaption><p>Traditional IRA - June 2023 Trades <span>(Charles Schwab)</span></p></figcaption></figure></p> <p>Below is a list of the trades that took place in the Roth IRA during the month of June.</p> <p><figure contenteditable=\"false\"><span><img contenteditable=\"false\" height=\"57\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2023/8/3/17593862-1691047653794046.jpg\" width=\"640\"/></span><figcaption><p>Roth IRA - June 2023 Trades <span>(Charles Schwab)</span></p></figcaption></figure></p> <h2>June Income Tracker - 2022 Vs. 2023</h2> <p>2023 dividend income performance was mixed with John's accounts set for a large decrease in the dividend income generated by the Traditional IRA and a large increase in the dividend income generated by the Roth IRA. The reason for the large decrease in the Traditional IRA was due to the special dividend paid by Healthcare Trust of America (HTA) when it was acquired by Healthcare Realty (HR) - This can also be seen in the huge growth in 2022 dividends which came in at a whopping 35.3%. If this dividend is removed then the growth year-over-year is trending as flat overall. While it's possible we could see more special dividends in 2023 I think it's more likely that management will focus on deleveraging or stock buybacks in most cases.</p> <p>The Traditional IRA is expected to generate an average of $1,367.48/month of dividend income in 2023 compared to the average monthly income of $1,485.63 generated in FY-2022. The Roth IRA is expected to generate an average of $818.30/month of dividend income in 2023 compared to the average monthly income of $710.57 generated in FY-2022.</p> <p>Once dividend increases are factored in and the additional interest income from CDs and SWVXX I expect we will see a very light increase in dividend income of 3-4%. (In this assumption I am also factoring out the large special dividend from the HTA acquisition but if I leave that in then I estimate we will see an overall negative combined dividend yield growth of 1-2%.)</p> <p>John plans to continue collecting $1,000/month from his Traditional IRA which matches the amount he withdrew monthly in 2022.</p> <p><em>SNLH = Stocks No Longer Held</em> - Dividends in this row represent the dividends collected on stocks that are no longer held in that portfolio. We still count the dividend income from stocks no longer held in the portfolio, even though it is non-recurring. <em>All images below come from Consistent Dividend Investor, LLC. (also referred to as CDI as the source below).</em></p> <p>The tables below represent which companies paid dividends in June 2023 and how that income source has changed since June of the previous year.</p> <p><figure contenteditable=\"false\"><picture> <img contenteditable=\"false\" height=\"665\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2023/8/3/17593862-16910478260297482.jpg\" width=\"283\"/> </picture><figcaption><p>Traditional IRA - June - 2022 V 2023 Dividend Breakdown <span>(CDI)</span></p></figcaption></figure><figure contenteditable=\"false\"><picture> <img contenteditable=\"false\" height=\"440\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2023/8/4/17593862-16911292372055962.jpg\" width=\"284\"/> </picture><figcaption><p>Roth IRA - June - 2022 V 2023 Dividend Breakdown <span>(CDI)</span></p></figcaption></figure></p> <p>The table below represents all income generated in 2022 and collected/expected dividends in 2023.</p> <p><figure contenteditable=\"false\"><span><img contenteditable=\"false\" height=\"374\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2023/8/4/17593862-16911292693259225.jpg\" width=\"640\"/></span><figcaption><p>Retirement Projections - June 2023 <span>(CDI)</span></p></figcaption></figure></p> <p>Below gives an extended look back at the dividend income generated when I first began writing these articles. I find this table to be most useful when comparing how dividend income has improved for a specific month over the course of six years.</p> <p><figure contenteditable=\"false\"><span><img contenteditable=\"false\" height=\"179\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2023/8/4/17593862-1691129336168896.jpg\" width=\"640\"/></span><figcaption><p>Retirement Projections - June 2023 - Full Dividend History <span>(CDI)</span></p></figcaption></figure></p> <p>The balances below are from June 30, 2023, and all previous month's balances are taken from the end-of-month statement provided by Charles Schwab.</p> <p><figure contenteditable=\"false\"><span><img contenteditable=\"false\" height=\"303\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2023/8/4/17593862-1691129446861655.jpg\" width=\"640\"/></span><figcaption><p>Retirement Account - Month End Balances - June 2023 <span>(CDI)</span></p></figcaption></figure></p> <p>The next image is also pulled from the end-of-month statement provided by Charles Schwab which shows the cash balance of the account.</p> <p>**Please note that cash balances may fluctuate based on CD renewal dates and the use of Schwab Value Advantage Money Fund (SWVXX) because I only count the cash that is 100% liquid. There were larger fluctuations in 2019 and 2020 that we the result of deposits and withdrawals being made. There will be no contributions made into either account in 2023 because John is no longer working.</p> <p><figure contenteditable=\"false\"><span><img contenteditable=\"false\" height=\"173\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2023/8/4/17593862-16911294686695693.jpg\" width=\"640\"/></span><figcaption><p>Retirement Accounts - June 2023 - Cash Balances <span>(CDI)</span></p></figcaption></figure></p> <p>The next image provides a history of the unrealized gain/loss at the end of each month going back to the beginning of January 2018.</p> <p><figure contenteditable=\"false\"><span><img contenteditable=\"false\" height=\"151\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2023/8/4/17593862-16911295068483784.jpg\" width=\"640\"/></span><figcaption><p>Retirement Accounts - June 2023 - Unrealized Gain-Loss <span>(CDI)</span></p></figcaption></figure></p> <p>I think the table above is one of the most important for readers to understand because it paints a story of volatile markets and why we employ the strategy of generating consistent cash flows to overcome the uncertainty of the market. If we were dependent on selling shares to generate income for John and Jane's retirement they would have to be much more considerate of when they withdraw and how much they choose to withdraw.</p> <p>For example, a withdrawal in 2020 where shares must be sold would destroy more value by locking in losses or poor performance by stocks being sold compared to selling the same shares and withdrawing funds in 2021.</p> <p>In an effort to be transparent about John's Account, I would like to include an unrealized Gain/Loss summary. The numbers used are based on the closing prices from July 21, 2023. Normally this would be more recent but I decided to allow my week of vacation to include not working on articles whatsoever.</p> <p><figure contenteditable=\"false\"><picture> <img contenteditable=\"false\" height=\"693\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2023/8/4/17593862-16911296259684854.jpg\" width=\"557\"/> </picture><figcaption><p>Traditional IRA - June 2023 - Gain-Loss <span>(CDI)</span></p></figcaption></figure><figure contenteditable=\"false\"><picture> <img contenteditable=\"false\" height=\"466\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2023/8/4/17593862-16911296469500823.jpg\" width=\"549\"/> </picture><figcaption><p>Roth IRA - June 2023 - Gain-Loss <span>(CDI)</span></p></figcaption></figure></p> <p>It is worth noting in the table above that the yield column is most accurate at the start of the year, but if I reduce the size of positions it may inflate the yield because it is based on how much dividend income is collected. At the same time, it may report excessively low dividends for positions added or significantly increased at the end of the year.</p> <p>The last image represents the withdrawals being made from John's Traditional IRA, as this is the only account he is currently withdrawing funds from. As mentioned before, he continues to withdraw $1,000/month.</p> <p><figure contenteditable=\"false\"><picture> <img contenteditable=\"false\" height=\"342\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2023/8/4/17593862-1691129681233828.jpg\" width=\"320\"/> </picture><figcaption><p>Traditional IRA Withdrawals - June 2023 <span>(CDI)</span></p></figcaption></figure></p> <h2>Conclusion</h2> <p>The July article will begin painting a much clearer picture of the change in strategy where we are reducing or even eliminating some positions in favor of low-risk/zero-risk investments. The cash holdings including money markets and CD's have grown substantially through the sale of holdings that are in many cases near the 52-week-high which means that there really isn't much of an upside to realize (which also means a reversion to a lower price is more likely).</p> <p>PEP from the article is a great example with the share price at a record-high and a dividend yield of 2.69% (and that's after the most recent dividend increase) the stock price doesn't really have any catalysts that would push it higher so we trimmed the position in favor of some brokered CD's/Money Market funds that are generating almost twice the yield with practically no volatility.</p> <p><strong>In John's Traditional and Roth IRAs, he is currently long the following mentioned in this article:</strong> AFC Gamma (AFCG), Aflac (AFL), Apple Hospitality REIT (APLE), Avista (AVA), BP p.l.c. (BP), Brixmor Property Group (BRX), Crown Castle (CCI), Canadian Utilities (OTCPK:CDUAF), Chatham Lodging Trust (CLDT), Columbia Banking System (COLB), Chevron (CVX), CSX (CSX), Dominion Energy (D), Deere (DE), Digital Realty Preferred Series J (DLR.PJ), <a href=\"https://laohu8.com/S/DEX.AU\">Duke</a> Energy (DUK), Eaton Vance Floating-Rate Advantage Fund (EAFAX), EPR Properties (EPR), EPR Properties Preferred Series G (EPR.PG), Healthcare Realty (HR), Intercontinental Exchange (ICE), Iron Mountain (IRM), Kinder Morgan (KMI), Kite Realty Group (KRG), Lowe's (LOW), Main Street Capital (MAIN), Altria (MO), New Residential Investment Corp. Preferred Series B (NRZ.PB), Realty Income (O), <a href=\"https://laohu8.com/S/OSK\">Oshkosh</a> (OSK), Occidental Petroleum Corp. (OXY), Bank OZK (OZK), Bank OZK Preferred Series A (OZKAP), <a href=\"https://laohu8.com/S/PACWP\">PacWest Bancorp</a> (PACW), PepsiCo (PEP), <a href=\"https://laohu8.com/S/EEMA\">iShares</a> Preferred and Income Securities ETF (PFF), VanEck Vectors Preferred Securities ex Financials ETF (PFXF), Pinnacle West (PNW), PIMCO Income Fund Class A (PONAX), Nuveen Nasdaq 100 Dynamic Overwrite Fund (QQQX), <a href=\"https://laohu8.com/S/EFFE\">Global X</a> Funds Nasdaq 100 Covered Call ETF (QYLD), <a href=\"https://laohu8.com/S/STAG\">STAG Industrial</a> (STAG), Sun Communities (SUI), Southwest Gas (SWX), AT&amp;T (T), Toronto-Dominion Bank (TD), Truist Financial (TFC), T. Rowe Price (TROW), Cohen&amp;Steers Infrastructure Fund (UTF), Valero (VLO), Ventas (VTR), WestRock (WRK), and W. P. Carey (WPC).</p> <p>Editor's Note: This article discusses one or more securities that do not trade on a major U.S. exchange. Please be aware of the risks associated with these stocks.</p> <div></div> <p>Editor's Note: This article discusses one or more securities that do not trade on a major U.S. exchange. Please be aware of the risks associated with these stocks.</p></body></html>","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>The Retiree's Dividend Portfolio: John's June Update - The Impact Of Student Loan Debt On Non-Discretionary Spending</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nThe Retiree's Dividend Portfolio: John's June Update - The Impact Of Student Loan Debt On Non-Discretionary Spending\n</h2>\n\n<h4 class=\"meta\">\n\n\n2023-08-11 21:34 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://seekingalpha.com/article/4627343-the-retirees-dividend-portfolio-johns-june-update-the-impact-of-student-loan-debt-on-non-discretionary-spending><strong>seekingalpha</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Stephanie Zieber/iStock via Getty Images While I have personally never had the displeasure of student loan debt I did inherit quite a bit when my wife and I tied the knot. At the time that worked out ...</p>\n\n<a href=\"https://seekingalpha.com/article/4627343-the-retirees-dividend-portfolio-johns-june-update-the-impact-of-student-loan-debt-on-non-discretionary-spending\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1216195259/image_1216195259.jpg","relate_stocks":{"CVX":"雪佛龙","CLDT":"Chatham Lodging信托","STAG":"STAG Industrial","KRG":"凯特地产信托","VTR":"芬塔公司","QYLD":"纳斯达克100 Covered Call ETF-Global X","UMPQ":"Umpqua Holdings Corporation","LOW":"劳氏","QQQX":"Nuveen NASDAQ 100 Dynamic Overwrite","OSK":"Oshkosh","KMI":"金德尔摩根","PFXF":"VanEck Preferred Securities ex Financials ETF","AFCG":"Advanced Flower Capital Inc","CSX":"CSX运输","COLB":"哥伦比亚银行系统","TROW":"普信集团","OXY":"西方石油","PFF":"优先股指数ETF-iShares S&P","PACW":"西太平洋合众银行","O":"Realty Income Corp","EPR":"EPR不动产","HR":"医疗保健房地产信托","DUK":"杜克能源","TD":"道明银行","CCI":"冠城","SUI":"Sun Communities Inc","ICE":"洲际交易所","PEP":"百事可乐","AFL":"美国家庭寿险","WPC":"W. P. Carey Inc","BP":"英国石油","MAIN":"Main Street Capital","WRK":"Westrock Company","BRX":"Brixmor Property Group Inc.","T":"美国电话电报","AVA":"阿维斯塔","SWX":"Southwest Gas Corp","VLO":"瓦莱罗能源","APLE":"Apple Hospitality REIT, Inc.","DE":"迪尔股份有限公司","D":"道明尼资源","PNW":"品尼高西方资本品西资本","TFC":"Truist Financial Corp","OZK":"欧扎克银行","UTF":"Cohen & Steers Infrastructure","OZKAP":"Bank Ozk","SG9999004303.SGD":"Nikko AM Shenton Global Opportunities SGD","MO":"奥驰亚","IRM":"爱恩铁山"},"source_url":"https://seekingalpha.com/article/4627343-the-retirees-dividend-portfolio-johns-june-update-the-impact-of-student-loan-debt-on-non-discretionary-spending","is_english":true,"share_image_url":"https://static.laohu8.com/5a36db9d73b4222bc376d24ccc48c8a4","article_id":"2358062068","content_text":"Stephanie Zieber/iStock via Getty Images While I have personally never had the displeasure of student loan debt I did inherit quite a bit when my wife and I tied the knot. At the time that worked out to be somewhere in the neighborhood of $36,000 and based on her income she was required to pay about $450/month. We chose to pay $800/month because I found the absurd rate of 6% to be worth paying down when our mortgage was at 2.75%. Interestingly enough, she worked at a non-profit and one of the most common arguments I hear from borrowers in similar situations is that they don't need to worry about the debt because their employment makes them eligible for student loan forgiveness after 10 years at a non-profit. I always exercise a level of skepticism towards this because a lot of it depends on specifics like working in lower-income areas or in locations like Barrow Alaska (the furthest city north in the United States) which have challenges attracting interested job-seekers. Now, let's assume that student loan forgiveness was this easy and was completely true. It made me curious as to whether or not someone did the math before assuming forgiveness would be to their benefit because most of these programs still require you to make minimum income-driven monthly payments. With that in mind, the government dictated that my wife owed $450/month and that she would need to pay those minimums (and I am not even factoring in the increases that would likely arise as her income grew) for at least 10 years.  With 8 years remaining that works out to be a total of $43,200 by making the minimums. This also assumes that she stayed employed with a non-profit (for the record she left that employer only months after we went through this exercise for a better career opportunity). This would have come at a cost of over $10K of interest paid during this time. At the interest rate of 6%, she would have still had something like $2K (estimating from the loan amortization calculator) of principal left to pay that would ultimately be forgiven. If we continued to pay $800/month it would have been paid in full after 51 months and would have had an interest cost of less than $5K.  Ultimately, when we sold our previous house, we took the proceeds, and we cleared this debt. Between the issues of working in the non-profit sector and how much would actually be forgiven, we saw the cost/benefit as relatively straightforward. So what does this have to do with my retirement articles? We currently have a personal finance crisis in this country that includes record rates of consumer credit card debt, average new car payments in excess of $700/month, climbing mortgage rates, and we have all seen bills for everyday goods like groceries hit by inflation. The average American has little to no safety net built into their budget which is why any increases in living expenses can become very concerning since the potential of student loan payments, which most borrowers haven't considered since pre-COVID, could see as the straw that broke the camel's back. This means that some stocks are going to be in trouble more than others, so the question is, which stocks should we be concerned about? There is no formula or specific sector that we can simply exclude altogether but we can draw some conclusions about the following:  Non-essential products/services Housing (in particular apartment rents) Auto Loans  I wanted to look at some of the stocks held in John and Jane's portfolio that could be impacted. Non-essential products and services could impact:  Lowe's (LOW) EPR Properties (EPR)  This is one reason why we cut the position in LOW by half recently. The stock price has jumped recently as the Q1-2023 earnings report showed strong earnings beat but a significant decrease in revenue. Management noted that the FY-2023 revenue would likely be down 2-4% and FY-2023 earnings guidance was cut down to $13.20-$13.60 per share compared to prior guidance of $13.60-14.00 per share. EPR holds properties like Top Golf, ski resorts, and other experiential real estate which typically carry an expensive price tag. This would suggest consumers that are feeling the pinch would choose to cut back on these expenditures of expenditures since the activity itself is not necessary. To be very clear, I like both LOW and EPR and plan to continue holding shares but the argument I am making is that student loan debt payments resuming is enough for me to at least say that I don't think LOW stock should be trading near its record high. With borrowers already struggling to pay higher car payments, credit cards, and even increased insurance costs/property taxes there are too many factors going against LOW's stock trading at all-time highs. To top it all off the dividend yield is less than 2% there just isn't a compelling reason in my opinion that John and Jane should maintain heavy exposure to the stock until there is a more compelling yield and opportunity for capital appreciation. Data by YCharts Now I am applying this lens when viewing the other holdings to better understand how much exposure exists in John and Jane's portfolio to something like student loan payments. Background For those interested in John and Jane's full background, you can find at least three articles a month published for the last five years detailing the performance of their portfolio. I have continued to evolve the report over time by adding and removing information/images to make the updates more useful to the average investor. Here are the key details that should be understood when reading these updates.  This is a real portfolio with actual shares being traded. This is not a practice portfolio which is why I include screenshots from Charles Schwab to document every change that is made. I am not a financial advisor and merely provide guidance based on a relationship that goes back several years. John retired in January 2018 and has collected Social Security income as his regular source of income. John also currently withdraws $1,000/month from his Traditional IRA. Jane retired at the beginning of 2021 and decided to begin collecting Social Security early and has not made any withdrawals from her retirement accounts yet. John and Jane began drawing funds from the Taxable Account in 2022 at $1,000/month. After speaking with them this amount has been increased to $1,700/month. This withdrawal is still covered entirely by dividend and interest income. John and Jane have other investments outside of what I manage. These investments primarily consist of minimal-risk bonds and low-yield certificates. John and Jane have no debt or monthly payments other than basic recurring bills such as water, power, property taxes, etc.  The reason why I started helping John and Jane with their retirement accounts is that I was infuriated by the fees they were being charged by their previous financial advisor. I do not charge John and Jane for anything that I do. The only request I have made of John and Jane is that they allow me to publish their portfolio anonymously because I want to help as many people as I can while holding myself accountable and improving my thought process. I started this series to address issues I have had when reading other authors with similar types of updates (I am not saying they are wrong, but I found myself questioning their actual performance because they never provided enough information to cover loose ends). Here is My Promise to Readers:  I aim to give as much information as needed so readers can feel confident that what I do is real. Even if you agree the results are real this does not mean I expect you to agree with me and I will always answer constructive criticism whenever possible. I will respond with the same genuine intent that the question was asked with. I am very transparent about the portfolio and consistency is a significant goal of mine. All of my data points (unless noted otherwise) are derived from month-end statements from Charles Schwab. Even when things aren't looking great (Spring 2020 for example) you will know because I provide enough information that it would be impossible for me to manipulate. This article is not intended to be advice or a call to action and is for informational purposes only (I am not a financial advisor and I don't claim to be one). My goal is to challenge conventional thinking and empower you to take control of your investments (if that's something you want to do).  Generating a stable and growing dividend income with an emphasis on capital preservation has become the primary focus of this portfolio. I am least concerned about capital appreciation which is why the decisions made will seem pretty conservative most of the time. I may measure the performance of the portfolio relative to indexes and ETFs but the key metric I am focused on is delivering a more stable source of cash flow to John and Jane over time that allows them to live a comfortable retirement that includes minimal stress related to finances. Dividend Decreases No companies in John's Traditional and Roth IRA accounts eliminated or reduced their dividend during the month of June. Dividend Increases Three companies paid increased dividends/distributions or a special dividend during the month of June.  Columbia Banking System (COLB) Main Street Capital (MAIN) PepsiCo (PEP)  MAIN was covered in Jane's Retirement account update. I will only include information about the dividend increases associated with these. Those interested in reading the summary MAIN can check the links at the end of the article. Columbia Banking System - When Columbia Bank and Umpqua (UMPQ) merged it made sense to take banks with two different focuses and bring them together. Columbia Bank was always known for its business lending prowess and Umpqua had a robust mortgage lending portfolio (I worked at Umpqua as a Secondary Market Analyst hedging the mortgage portfolio and selling mortgage-backed securities for 2.5 years). The dividend increase is a sign to me that the combined entity is on track to reach the cost synergies that were projected from the merger. Nearly every aspect of the balance sheet has improved as a result of the merger, so I do believe that the long-term safety of remaining invested in COLB makes sense. The stock is currently priced at ultimate pessimism, recently trading at a multiple that is less than it was during the initial stages of COVID in 2020. We will likely commit some additional funds to this position because of the potential benefit from capital gains and the compelling dividend yield. COLB - FastGraphs 6-2023 (FastGraphs) The dividend was increased from $.30/share per quarter to $.36/share per quarter. This represents an increase of 20% and a new full-year payout of $1.44/share compared with the previous $1.20/share. This results in a current yield of 6.53% based on the current share price of $21.84. Main Street Capital - A supplemental dividend of $.225/share was issued during the month of June. Pepsi - I think Pepsi is a great company that has made a lot of efficiency improvements over the last few years and John has seen the value of his positions increase significantly during this time. One metric I like to use for PEP is the dividend yield to help determine how attractively (or unattractively) the stock is currently priced. The dividend yield is currently sitting at a 10-year low which suggests that the stock price is likely to plateau in the best-case scenario. This is where I ask the question, should we keep a full position invested or does it make more sense to invest the proceeds in stable certificates that will protect the capital while also returning a yield that is more than double the current dividend yield. These negatives aside, long-term dividend growth investors should take comfort in the recent 10% dividend increase which is higher than the 10-year average increase of 8%. The 50-year history of consecutive dividend increases is also a compelling reason to hold shares over the long run. As for John's portfolio, we have no problem reducing the size of the position and putting funds in a safer instrument that generates more income. PEP - Dividend Yield (CDI) The dividend was increased from $1.15/share per quarter to $1.265/share per quarter. This represents an increase of 10% and a new full-year payout of $5.06/share compared with the previous $4.60/share. This results in a current yield of 2.69% based on the current share price of $187.12. Retirement Account Positions There are currently 37 different positions in John's Traditional IRA and 23 different positions in John's Roth IRA. While this may seem like a lot, it is important to remember that many of these stocks cross over in both accounts and are also held in the Taxable Portfolio. Below is a list of the trades that took place in the Traditional IRA during the month of June. Traditional IRA - June 2023 Trades (Charles Schwab) Below is a list of the trades that took place in the Roth IRA during the month of June. Roth IRA - June 2023 Trades (Charles Schwab) June Income Tracker - 2022 Vs. 2023 2023 dividend income performance was mixed with John's accounts set for a large decrease in the dividend income generated by the Traditional IRA and a large increase in the dividend income generated by the Roth IRA. The reason for the large decrease in the Traditional IRA was due to the special dividend paid by Healthcare Trust of America (HTA) when it was acquired by Healthcare Realty (HR) - This can also be seen in the huge growth in 2022 dividends which came in at a whopping 35.3%. If this dividend is removed then the growth year-over-year is trending as flat overall. While it's possible we could see more special dividends in 2023 I think it's more likely that management will focus on deleveraging or stock buybacks in most cases. The Traditional IRA is expected to generate an average of $1,367.48/month of dividend income in 2023 compared to the average monthly income of $1,485.63 generated in FY-2022. The Roth IRA is expected to generate an average of $818.30/month of dividend income in 2023 compared to the average monthly income of $710.57 generated in FY-2022. Once dividend increases are factored in and the additional interest income from CDs and SWVXX I expect we will see a very light increase in dividend income of 3-4%. (In this assumption I am also factoring out the large special dividend from the HTA acquisition but if I leave that in then I estimate we will see an overall negative combined dividend yield growth of 1-2%.) John plans to continue collecting $1,000/month from his Traditional IRA which matches the amount he withdrew monthly in 2022. SNLH = Stocks No Longer Held - Dividends in this row represent the dividends collected on stocks that are no longer held in that portfolio. We still count the dividend income from stocks no longer held in the portfolio, even though it is non-recurring. All images below come from Consistent Dividend Investor, LLC. (also referred to as CDI as the source below). The tables below represent which companies paid dividends in June 2023 and how that income source has changed since June of the previous year.   Traditional IRA - June - 2022 V 2023 Dividend Breakdown (CDI)  Roth IRA - June - 2022 V 2023 Dividend Breakdown (CDI) The table below represents all income generated in 2022 and collected/expected dividends in 2023. Retirement Projections - June 2023 (CDI) Below gives an extended look back at the dividend income generated when I first began writing these articles. I find this table to be most useful when comparing how dividend income has improved for a specific month over the course of six years. Retirement Projections - June 2023 - Full Dividend History (CDI) The balances below are from June 30, 2023, and all previous month's balances are taken from the end-of-month statement provided by Charles Schwab. Retirement Account - Month End Balances - June 2023 (CDI) The next image is also pulled from the end-of-month statement provided by Charles Schwab which shows the cash balance of the account. **Please note that cash balances may fluctuate based on CD renewal dates and the use of Schwab Value Advantage Money Fund (SWVXX) because I only count the cash that is 100% liquid. There were larger fluctuations in 2019 and 2020 that we the result of deposits and withdrawals being made. There will be no contributions made into either account in 2023 because John is no longer working. Retirement Accounts - June 2023 - Cash Balances (CDI) The next image provides a history of the unrealized gain/loss at the end of each month going back to the beginning of January 2018. Retirement Accounts - June 2023 - Unrealized Gain-Loss (CDI) I think the table above is one of the most important for readers to understand because it paints a story of volatile markets and why we employ the strategy of generating consistent cash flows to overcome the uncertainty of the market. If we were dependent on selling shares to generate income for John and Jane's retirement they would have to be much more considerate of when they withdraw and how much they choose to withdraw. For example, a withdrawal in 2020 where shares must be sold would destroy more value by locking in losses or poor performance by stocks being sold compared to selling the same shares and withdrawing funds in 2021. In an effort to be transparent about John's Account, I would like to include an unrealized Gain/Loss summary. The numbers used are based on the closing prices from July 21, 2023. Normally this would be more recent but I decided to allow my week of vacation to include not working on articles whatsoever.   Traditional IRA - June 2023 - Gain-Loss (CDI)  Roth IRA - June 2023 - Gain-Loss (CDI) It is worth noting in the table above that the yield column is most accurate at the start of the year, but if I reduce the size of positions it may inflate the yield because it is based on how much dividend income is collected. At the same time, it may report excessively low dividends for positions added or significantly increased at the end of the year. The last image represents the withdrawals being made from John's Traditional IRA, as this is the only account he is currently withdrawing funds from. As mentioned before, he continues to withdraw $1,000/month.   Traditional IRA Withdrawals - June 2023 (CDI) Conclusion The July article will begin painting a much clearer picture of the change in strategy where we are reducing or even eliminating some positions in favor of low-risk/zero-risk investments. The cash holdings including money markets and CD's have grown substantially through the sale of holdings that are in many cases near the 52-week-high which means that there really isn't much of an upside to realize (which also means a reversion to a lower price is more likely). PEP from the article is a great example with the share price at a record-high and a dividend yield of 2.69% (and that's after the most recent dividend increase) the stock price doesn't really have any catalysts that would push it higher so we trimmed the position in favor of some brokered CD's/Money Market funds that are generating almost twice the yield with practically no volatility. In John's Traditional and Roth IRAs, he is currently long the following mentioned in this article: AFC Gamma (AFCG), Aflac (AFL), Apple Hospitality REIT (APLE), Avista (AVA), BP p.l.c. (BP), Brixmor Property Group (BRX), Crown Castle (CCI), Canadian Utilities (OTCPK:CDUAF), Chatham Lodging Trust (CLDT), Columbia Banking System (COLB), Chevron (CVX), CSX (CSX), Dominion Energy (D), Deere (DE), Digital Realty Preferred Series J (DLR.PJ), Duke Energy (DUK), Eaton Vance Floating-Rate Advantage Fund (EAFAX), EPR Properties (EPR), EPR Properties Preferred Series G (EPR.PG), Healthcare Realty (HR), Intercontinental Exchange (ICE), Iron Mountain (IRM), Kinder Morgan (KMI), Kite Realty Group (KRG), Lowe's (LOW), Main Street Capital (MAIN), Altria (MO), New Residential Investment Corp. Preferred Series B (NRZ.PB), Realty Income (O), Oshkosh (OSK), Occidental Petroleum Corp. (OXY), Bank OZK (OZK), Bank OZK Preferred Series A (OZKAP), PacWest Bancorp (PACW), PepsiCo (PEP), iShares Preferred and Income Securities ETF (PFF), VanEck Vectors Preferred Securities ex Financials ETF (PFXF), Pinnacle West (PNW), PIMCO Income Fund Class A (PONAX), Nuveen Nasdaq 100 Dynamic Overwrite Fund (QQQX), Global X Funds Nasdaq 100 Covered Call ETF (QYLD), STAG Industrial (STAG), Sun Communities (SUI), Southwest Gas (SWX), AT&T (T), Toronto-Dominion Bank (TD), Truist Financial (TFC), T. Rowe Price (TROW), Cohen&Steers Infrastructure Fund (UTF), Valero (VLO), Ventas (VTR), WestRock (WRK), and W. P. Carey (WPC). Editor's Note: This article discusses one or more securities that do not trade on a major U.S. exchange. Please be aware of the risks associated with these stocks.  Editor's Note: This article discusses one or more securities that do not trade on a major U.S. exchange. Please be aware of the risks associated with these stocks.","news_type":1},"isVote":1,"tweetType":1,"viewCount":370,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9010481050,"gmtCreate":1648448347591,"gmtModify":1676534339172,"author":{"id":"3563603119579403","authorId":"3563603119579403","name":"530314JJM","avatar":"https://static.tigerbbs.com/d4ab8e0d16ad0291bb6aef07edda6aeb","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3563603119579403","authorIdStr":"3563603119579403"},"themes":[],"htmlText":"Like it","listText":"Like it","text":"Like it","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9010481050","repostId":"2222985234","repostType":4,"repost":{"id":"2222985234","kind":"news","pubTimestamp":1648445522,"share":"https://ttm.financial/m/news/2222985234?lang=&edition=fundamental","pubTime":"2022-03-28 13:32","market":"us","language":"en","title":"Block: Violent Move Likely","url":"https://stock-news.laohu8.com/highlight/detail?id=2222985234","media":"seekingalpha","summary":"So, everyone has watched as there was a massive reset in tech names. Without question, Block (NYSE:N","content":"<html><head></head><body><p>So, everyone has watched as there was a massive reset in tech names. Without question, <a href=\"https://laohu8.com/S/SQ\">Block</a> (NYSE:NYSE:SQ), formerly known as Square, is a real fintech powerhouse and this entire sector got smashed in the last month or so. The action in the space reminds us very much of what we saw in prolonged crashes like the dotcom bubble, or even the bear market that was the financial crisis in 2008-2009. Block&#39;s share price had fallen from nearly $290 to just over $82 peak to trough in the last few months, which is good for a 70% plus fall, but looks like a near-term bottom has been put in.</p><p>In our last buy call on the stock, we were quite clear that the company is growing like wildfire, and was moving more into profitability. We put out a buy alert because shares actually became reasonably valued when they dipped under $100. As traders we had to pounce sub $100, good for a 30%-40% gain. That rapid-return was a bit of luck, but the buy reasoning was rooted in buying up an oversold stock in &#39;tech value&#39; territory as we like to say. Further, a high degree of short interest covering helped move the stock in the last week or two.</p><p>Make no mistake, we think the stock climbs back toward that $200 level this year. We think the stock, while trading a bit more calmly, is set to have a very volatile move either back to this near $200 level, or back to test lows. We think the latter will need some more market nervousness, while the former will need to see some bullish catalysts like the end of the war in Ukraine peacefully. Right now the stock has corrected, but is now looking for direction, and it is not going to be sideways in our opinion. Block&#39;s most recently reported numbers show the company remains operationally sound, despite the market giving it a major haircut (even after the bounce). We expect the stock to move sharply, taking cues from the macro situation.</p><h2>Block&#39;s Q4 top and bottom lines</h2><p>The company continues to see significant expansion. In Q4, revenue was $4.08 billion and this was up a solid 29% year-over-year. Further, we need to reiterate that this was a beat versus consensus estimates. All lines of business are performing well and overall, gross profit was $1.18 billion, which was up 47% year-over-year. Further, transaction revenue grew.</p><h2>Revenues from transactions grow and these volumes are key</h2><p>It is really important to note that revenue from transactions was $1.31 billion rising 41% year-over-year, while gross profit was $545 million, up 39% from the year ago quarter. These numbers show the strength of the expansion the company has enjoyed. Transaction volume is critical folks. Critical. That said, volumes were better than expected, surging from a year ago. Square processed $46.3 billion in GPV up 45% year-over-year. Services-based revenue increased to $772 million while gross profit was $622 million, up 63% year-over-year. Very solid. With a hot economy, we expect ongoing strength.</p><h2>Crypto and Cash App continue to go strong</h2><p>Cash App which has driven so much growth for Block over the years. Cash App generated $2.55 billion of revenue in Q4 and $518 million of gross profit. This was a big increase from last year. It&#39;s worth noting that the price of Bitcoin was a bit weak in Q4. The volatility helps with trading revenue, but the company has a good amount of exposure to Bitcoin on its balance sheet. As Block owns a lot of Bitcoin, the stock to continue trades with a mild correlation with the price of bitcoin. However, the bulk of the business is still transaction based, and small business is back too. Retention remains strong and frankly it is regular active customers that are driving transaction revenues. And with small business no longer reeling from COVID, they are contributing heavily again to Block&#39;s revenues. In fact, small businesses, through the Square ecosystem, were responsible for $1.47 billion of revenue and $657 million of gross profit, both up over 49% and 54% from a year ago, respectively. Once again, solid growth.</p><h2>SQ stock will violently rally if the company really turns profitable</h2><p>These high revenue growth, little to no earnings names have been crushed of late with the pending rate hike cycle, and market selloff. For Block, revenue is clearly in growth mode and the company is actually earnings positive. But it really needs to expand earnings for valuation to improve. The stock has fallen tremendously, which artificially improved valuation, and made it a buy. But margins, and of course expenses, are key to watch. While gross profit is solid, operating expenses are very high, and they even rose this quarter. The rose so much the degree of increase outpaced the revenue gains. Operating expenses were $1.24 billion, rising 63% year-over-year and this led to net losses in the quarter. Net loss was $77 million, while EPS was a loss of $0.15. For the year, the company saw net income of $0.44 per share. This puts the stock at some 300X trailing earnings. What about as we look ahead?</p><h2>Looking ahead</h2><p>As we look ahead to the year, we expect $1.00-$2.00 in EPS; this puts the stock at a still pricey but much more reasonable 130 to 65X FWD EPS. Yes it is still pricey, but if bitcoin takes off, so will the stock. Small business is back. Other valuation metrics suggest the stock remains attractive at $130, like the 2.9X price to sales. The company will grow much larger in the next two years as long as the economy does not go into recession. While some see this as possible, we are in the strong economy camp. We believe shares are a buy here.</p></body></html>","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>Block: Violent Move Likely</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\">\nBlock: Violent Move Likely\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-03-28 13:32 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://seekingalpha.com/article/4498038-block-sq-stock-violent-move-likely><strong>seekingalpha</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>So, everyone has watched as there was a massive reset in tech names. Without question, Block (NYSE:NYSE:SQ), formerly known as Square, is a real fintech powerhouse and this entire sector got smashed ...</p>\n\n<a href=\"https://seekingalpha.com/article/4498038-block-sq-stock-violent-move-likely\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"SQ":"Block"},"source_url":"https://seekingalpha.com/article/4498038-block-sq-stock-violent-move-likely","is_english":true,"share_image_url":"https://static.laohu8.com/5a36db9d73b4222bc376d24ccc48c8a4","article_id":"2222985234","content_text":"So, everyone has watched as there was a massive reset in tech names. Without question, Block (NYSE:NYSE:SQ), formerly known as Square, is a real fintech powerhouse and this entire sector got smashed in the last month or so. The action in the space reminds us very much of what we saw in prolonged crashes like the dotcom bubble, or even the bear market that was the financial crisis in 2008-2009. Block's share price had fallen from nearly $290 to just over $82 peak to trough in the last few months, which is good for a 70% plus fall, but looks like a near-term bottom has been put in.In our last buy call on the stock, we were quite clear that the company is growing like wildfire, and was moving more into profitability. We put out a buy alert because shares actually became reasonably valued when they dipped under $100. As traders we had to pounce sub $100, good for a 30%-40% gain. That rapid-return was a bit of luck, but the buy reasoning was rooted in buying up an oversold stock in 'tech value' territory as we like to say. Further, a high degree of short interest covering helped move the stock in the last week or two.Make no mistake, we think the stock climbs back toward that $200 level this year. We think the stock, while trading a bit more calmly, is set to have a very volatile move either back to this near $200 level, or back to test lows. We think the latter will need some more market nervousness, while the former will need to see some bullish catalysts like the end of the war in Ukraine peacefully. Right now the stock has corrected, but is now looking for direction, and it is not going to be sideways in our opinion. Block's most recently reported numbers show the company remains operationally sound, despite the market giving it a major haircut (even after the bounce). We expect the stock to move sharply, taking cues from the macro situation.Block's Q4 top and bottom linesThe company continues to see significant expansion. In Q4, revenue was $4.08 billion and this was up a solid 29% year-over-year. Further, we need to reiterate that this was a beat versus consensus estimates. All lines of business are performing well and overall, gross profit was $1.18 billion, which was up 47% year-over-year. Further, transaction revenue grew.Revenues from transactions grow and these volumes are keyIt is really important to note that revenue from transactions was $1.31 billion rising 41% year-over-year, while gross profit was $545 million, up 39% from the year ago quarter. These numbers show the strength of the expansion the company has enjoyed. Transaction volume is critical folks. Critical. That said, volumes were better than expected, surging from a year ago. Square processed $46.3 billion in GPV up 45% year-over-year. Services-based revenue increased to $772 million while gross profit was $622 million, up 63% year-over-year. Very solid. With a hot economy, we expect ongoing strength.Crypto and Cash App continue to go strongCash App which has driven so much growth for Block over the years. Cash App generated $2.55 billion of revenue in Q4 and $518 million of gross profit. This was a big increase from last year. It's worth noting that the price of Bitcoin was a bit weak in Q4. The volatility helps with trading revenue, but the company has a good amount of exposure to Bitcoin on its balance sheet. As Block owns a lot of Bitcoin, the stock to continue trades with a mild correlation with the price of bitcoin. However, the bulk of the business is still transaction based, and small business is back too. Retention remains strong and frankly it is regular active customers that are driving transaction revenues. And with small business no longer reeling from COVID, they are contributing heavily again to Block's revenues. In fact, small businesses, through the Square ecosystem, were responsible for $1.47 billion of revenue and $657 million of gross profit, both up over 49% and 54% from a year ago, respectively. Once again, solid growth.SQ stock will violently rally if the company really turns profitableThese high revenue growth, little to no earnings names have been crushed of late with the pending rate hike cycle, and market selloff. For Block, revenue is clearly in growth mode and the company is actually earnings positive. But it really needs to expand earnings for valuation to improve. The stock has fallen tremendously, which artificially improved valuation, and made it a buy. But margins, and of course expenses, are key to watch. While gross profit is solid, operating expenses are very high, and they even rose this quarter. The rose so much the degree of increase outpaced the revenue gains. Operating expenses were $1.24 billion, rising 63% year-over-year and this led to net losses in the quarter. Net loss was $77 million, while EPS was a loss of $0.15. For the year, the company saw net income of $0.44 per share. This puts the stock at some 300X trailing earnings. What about as we look ahead?Looking aheadAs we look ahead to the year, we expect $1.00-$2.00 in EPS; this puts the stock at a still pricey but much more reasonable 130 to 65X FWD EPS. Yes it is still pricey, but if bitcoin takes off, so will the stock. Small business is back. Other valuation metrics suggest the stock remains attractive at $130, like the 2.9X price to sales. The company will grow much larger in the next two years as long as the economy does not go into recession. While some see this as possible, we are in the strong economy camp. We believe shares are a buy here.","news_type":1},"isVote":1,"tweetType":1,"viewCount":419,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9010489759,"gmtCreate":1648448102398,"gmtModify":1676534339132,"author":{"id":"3563603119579403","authorId":"3563603119579403","name":"530314JJM","avatar":"https://static.tigerbbs.com/d4ab8e0d16ad0291bb6aef07edda6aeb","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3563603119579403","authorIdStr":"3563603119579403"},"themes":[],"htmlText":"Like&nbsp;","listText":"Like&nbsp;","text":"Like","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9010489759","repostId":"1170959796","repostType":4,"repost":{"id":"1170959796","kind":"news","pubTimestamp":1648422870,"share":"https://ttm.financial/m/news/1170959796?lang=&edition=fundamental","pubTime":"2022-03-28 07:14","market":"other","language":"en","title":"ASX Rises as BHP, Rio Lead","url":"https://stock-news.laohu8.com/highlight/detail?id=1170959796","media":"Australian Financial Review","summary":"The Australian sharemarket has risen at the open, led by the major miners, amid a rally in bond yiel","content":"<html><head></head><body><p>The Australian sharemarket has risen at the open, led by the major miners, amid a rally in bond yields.</p><p>The S&amp;P/ASX 200 Index was up 16 points, or 0.2 per cent, to 7422.2 at the open.</p><p>BHP Group climbed 1.4 per cent to $50.45, Rio Tinto advanced 2 per cent to $119.16 and Fortescue Metals Group rose 2 per cent to $19.65.</p><p>Incitec Pivot rose 4.7 per cent to $4.04, Pilbara Minerals added 2.8 per cent to $3.30 and Mineral Resources advanced 2.8 per cent to $50.03.</p><p>CSL was leading the losses, down 1.1 per cent to $26.191 while Block had declined 2.7 per cent to $173.21.</p></body></html>","source":"lsy1647818771712","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>ASX Rises as BHP, Rio Lead</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\">\nASX Rises as BHP, Rio Lead\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-03-28 07:14 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.afr.com/markets/equity-markets/asx-to-rise-bond-yields-march-higher-20220328-p5a8gb><strong>Australian Financial Review</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>The Australian sharemarket has risen at the open, led by the major miners, amid a rally in bond yields.The S&P/ASX 200 Index was up 16 points, or 0.2 per cent, to 7422.2 at the open.BHP Group climbed ...</p>\n\n<a href=\"https://www.afr.com/markets/equity-markets/asx-to-rise-bond-yields-march-higher-20220328-p5a8gb\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"XKO.AU":"标普/澳交所 300指数","XJO.AU":"标普/澳交所 200指数","XAO.AU":"标普/澳交所 普通股指数"},"source_url":"https://www.afr.com/markets/equity-markets/asx-to-rise-bond-yields-march-higher-20220328-p5a8gb","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1170959796","content_text":"The Australian sharemarket has risen at the open, led by the major miners, amid a rally in bond yields.The S&P/ASX 200 Index was up 16 points, or 0.2 per cent, to 7422.2 at the open.BHP Group climbed 1.4 per cent to $50.45, Rio Tinto advanced 2 per cent to $119.16 and Fortescue Metals Group rose 2 per cent to $19.65.Incitec Pivot rose 4.7 per cent to $4.04, Pilbara Minerals added 2.8 per cent to $3.30 and Mineral Resources advanced 2.8 per cent to $50.03.CSL was leading the losses, down 1.1 per cent to $26.191 while Block had declined 2.7 per cent to $173.21.","news_type":1},"isVote":1,"tweetType":1,"viewCount":302,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":115266341,"gmtCreate":1623012554683,"gmtModify":1704194232648,"author":{"id":"3563603119579403","authorId":"3563603119579403","name":"530314JJM","avatar":"https://static.tigerbbs.com/d4ab8e0d16ad0291bb6aef07edda6aeb","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3563603119579403","authorIdStr":"3563603119579403"},"themes":[],"htmlText":"Interesting development&nbsp;","listText":"Interesting development&nbsp;","text":"Interesting development","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/115266341","repostId":"2141283409","repostType":4,"isVote":1,"tweetType":1,"viewCount":141,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0}],"lives":[]}