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2022-06-27

Great article

@diggydog:Seth Klarman Best Investing Qoutes

2022-06-27

Good

@Elliottwave_Forecast:USDNOK – Dollar remains strong

2022-06-02

Ok

@AndreaClarissa:Is Meta Platforms Stock a Buy Now?

2022-05-26

Ok

@traveleat123:The electric vehicle (EV) market is gaining strength across the globe, with more EVs on the road than ever before.As more and more investors want in on the party, it can be difficult to determine which stocks will soar like we've seen with Tesla.The possibilities are many, including EV manufacturers, battery makers, lithium producers, and companies that focus on infrastructure.One way to pick the right stock, while also mitigating the risk of picking nothing but the wrong stocks, is to invest in an exchange-traded fund that focuses on the EV market as a whole.Two of the leading ETFs -- by performance that can satisfy the cautious investor are 1) $Global X Autonomous & Electric Vehicles ETF(DRIV)$Global X Autonomous & Electric Vehicles

2022-05-04

Good sharing

Nu Holdings: Strong Buy For Long-Term Compounder With 70% Upside

2022-04-09

$Merck(MRK)$Can Merck break above 100?

2022-03-31

$Merck(MRK)$good and steady share

2022-03-21

Good sharing

Have $500? 2 Absurdly Cheap Stocks Long-Term Investors Should Buy Right Now

2022-02-05

Good sharing

Is It Time to Buy the S&P 500's 3 Worst-Performing January Stocks?

2022-01-25

Good sharing

Nvidia Quietly Prepares to Abandon Takeover of Arm

2021-12-29

Good sharing

TSLA Stock Price Predictions: Why These 2 Analysts Are Increasing Their Targets for Tesla in 2022

2021-12-28

Good

Sorry, the original content has been removed

2021-08-20

$MoSys(MOSY)$Up

Go to Tiger App to see more news

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article","listText":"Great article","text":"Great article","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9046625372","repostId":"9048520571","repostType":1,"repost":{"id":9048520571,"gmtCreate":1656226205893,"gmtModify":1676535789108,"author":{"id":"3575091423649914","authorId":"3575091423649914","name":"diggydog","avatar":"https://community-static.tradeup.com/news/476e481044aa54d1d955e8bc4b856dd4","crmLevel":7,"crmLevelSwitch":0,"followedFlag":false},"themes":[],"title":"Seth Klarman Best Investing Qoutes","htmlText":"Seth KlarmanSeth Klarman is the chief executive and portfolio manager of the Baupost Group. He is a proponent of value investing, nicknamed the \"Oracle of Boston\" for his similar approach to Warren Buffett.Here are Klarman's quotes from the recent interview with Harvard Business School.1. \"Our approach is, 'Let's look a mile wide, let's look at everything that we can possibly figure out.' Then we find something that seems like it might be a bargain, an inefficient pricing, and we go a mile deep.\"2. \"We look between the silos. We look for cracks, we look for things leaking out, and we look for things that can't be easily siloed. There are fewer competitors in those, and if I love one thing, it's the lack of competition.\"3. \"When you just know a certain kind of company, or you only know 20 s","listText":"Seth KlarmanSeth Klarman is the chief executive and portfolio manager of the Baupost Group. He is a proponent of value investing, nicknamed the \"Oracle of Boston\" for his similar approach to Warren Buffett.Here are Klarman's quotes from the recent interview with Harvard Business School.1. \"Our approach is, 'Let's look a mile wide, let's look at everything that we can possibly figure out.' Then we find something that seems like it might be a bargain, an inefficient pricing, and we go a mile deep.\"2. \"We look between the silos. We look for cracks, we look for things leaking out, and we look for things that can't be easily siloed. There are fewer competitors in those, and if I love one thing, it's the lack of competition.\"3. \"When you just know a certain kind of company, or you only know 20 s","text":"Seth KlarmanSeth Klarman is the chief executive and portfolio manager of the Baupost Group. He is a proponent of value investing, nicknamed the \"Oracle of Boston\" for his similar approach to Warren Buffett.Here are Klarman's quotes from the recent interview with Harvard Business School.1. \"Our approach is, 'Let's look a mile wide, let's look at everything that we can possibly figure out.' Then we find something that seems like it might be a bargain, an inefficient pricing, and we go a mile deep.\"2. \"We look between the silos. We look for cracks, we look for things leaking out, and we look for things that can't be easily siloed. There are fewer competitors in those, and if I love one thing, it's the lack of competition.\"3. \"When you just know a certain kind of company, or you only know 20 s","images":[{"img":"https://community-static.tradeup.com/news/f5663ba89c35a26524527d1e3ca9e7a7","width":"632","height":"356"}],"top":1,"highlighted":2,"essential":2,"paper":2,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9048520571","isVote":1,"tweetType":1,"viewCount":0,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},"isVote":1,"tweetType":1,"viewCount":276,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9046626624,"gmtCreate":1656342221068,"gmtModify":1676535809824,"author":{"id":"3585055954596184","authorId":"3585055954596184","name":"jhlam80","avatar":"https://static.tigerbbs.com/5a41fd1b8e9a410211181544f9f8e68f","crmLevel":2,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"Good","listText":"Good","text":"Good","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9046626624","repostId":"9041590861","repostType":1,"repost":{"id":9041590861,"gmtCreate":1656067865053,"gmtModify":1676535762071,"author":{"id":"4113409820866582","authorId":"4113409820866582","name":"Elliottwave_Forecast","avatar":"https://community-static.tradeup.com/news/c00ab1fc45e212abf00117a41ad8354f","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false},"themes":[],"title":"USDNOK – Dollar remains strong","htmlText":"USDNOK – Dollar remains strongJune 23, 2022ByEWFZorraysWe have been pretty bullish on the Dollar throughout the year and I believe Dollar has more strength to come.Recently, we recently posted a trade idea on USDNOK as we saw the market was correcting in a 3 or 7 swing structure and we took advantage of this.Lets have a look at a before short21st June 2022 – 1 Hour TimeframeWe can see that wave 2 was correcting as a Zigzag and our entry is based on wave ((c)) = ((a)) from the extreme of wave ((b)). Therefore, our entry was at 9.87 and the invalidation for the trade was at 1.618% extension at 9.75.The above screenshot shows that this trade was already triggered as it reached into the bluebox zone but we still had projected wave (iv) and (v) to complete this 5 wave sequence into wave ((c)) o","listText":"USDNOK – Dollar remains strongJune 23, 2022ByEWFZorraysWe have been pretty bullish on the Dollar throughout the year and I believe Dollar has more strength to come.Recently, we recently posted a trade idea on USDNOK as we saw the market was correcting in a 3 or 7 swing structure and we took advantage of this.Lets have a look at a before short21st June 2022 – 1 Hour TimeframeWe can see that wave 2 was correcting as a Zigzag and our entry is based on wave ((c)) = ((a)) from the extreme of wave ((b)). Therefore, our entry was at 9.87 and the invalidation for the trade was at 1.618% extension at 9.75.The above screenshot shows that this trade was already triggered as it reached into the bluebox zone but we still had projected wave (iv) and (v) to complete this 5 wave sequence into wave ((c)) o","text":"USDNOK – Dollar remains strongJune 23, 2022ByEWFZorraysWe have been pretty bullish on the Dollar throughout the year and I believe Dollar has more strength to come.Recently, we recently posted a trade idea on USDNOK as we saw the market was correcting in a 3 or 7 swing structure and we took advantage of this.Lets have a look at a before short21st June 2022 – 1 Hour TimeframeWe can see that wave 2 was correcting as a Zigzag and our entry is based on wave ((c)) = ((a)) from the extreme of wave ((b)). Therefore, our entry was at 9.87 and the invalidation for the trade was at 1.618% extension at 9.75.The above screenshot shows that this trade was already triggered as it reached into the bluebox zone but we still had projected wave (iv) and (v) to complete this 5 wave sequence into wave ((c)) o","images":[{"img":"https://community-static.tradeup.com/news/87e0f02f0eda2d6181c33724e70afa04","width":"632","height":"315"}],"top":1,"highlighted":2,"essential":2,"paper":2,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9041590861","isVote":1,"tweetType":1,"viewCount":0,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":2,"langContent":"EN","totalScore":0},"isVote":1,"tweetType":1,"viewCount":282,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9050860419,"gmtCreate":1654170015431,"gmtModify":1676535405968,"author":{"id":"3585055954596184","authorId":"3585055954596184","name":"jhlam80","avatar":"https://static.tigerbbs.com/5a41fd1b8e9a410211181544f9f8e68f","crmLevel":2,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"Ok","listText":"Ok","text":"Ok","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9050860419","repostId":"9050813947","repostType":1,"repost":{"id":9050813947,"gmtCreate":1654166028267,"gmtModify":1676535405467,"author":{"id":"9000000000000712","authorId":"9000000000000712","name":"AndreaClarissa","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false},"themes":[],"title":"Is Meta Platforms Stock a Buy Now?","htmlText":"The social media giant turned metaverse business is grappling with a myriad of headwinds that have crushed its stock price.Meta Platforms(FB&nbsp;<a href=\"https://laohu8.com/S/FB\">$Meta Platforms, Inc.(FB)$</a> )stock is facing several challenges. The Federal Reserve has started raising interest rates to counter rising inflation, a move that hurts growth stocks more than average. Additionally, Meta faces headwinds from&nbsp;Apple's(AAPL-0.09%)privacy changes and increasing competition. Finally, rising competition from ByteDance's Tiktok and other social media sites is slowing user growth and engagement.The forces mentioned above have combined toreduced Meta's stock priceby 50% off its highs hit in September 2021. At a much lower price, this social media giant is now attracting value-consci","listText":"The social media giant turned metaverse business is grappling with a myriad of headwinds that have crushed its stock price.Meta Platforms(FB&nbsp;<a href=\"https://laohu8.com/S/FB\">$Meta Platforms, Inc.(FB)$</a> )stock is facing several challenges. The Federal Reserve has started raising interest rates to counter rising inflation, a move that hurts growth stocks more than average. Additionally, Meta faces headwinds from&nbsp;Apple's(AAPL-0.09%)privacy changes and increasing competition. Finally, rising competition from ByteDance's Tiktok and other social media sites is slowing user growth and engagement.The forces mentioned above have combined toreduced Meta's stock priceby 50% off its highs hit in September 2021. At a much lower price, this social media giant is now attracting value-consci","text":"The social media giant turned metaverse business is grappling with a myriad of headwinds that have crushed its stock price.Meta Platforms(FB $Meta Platforms, Inc.(FB)$ )stock is facing several challenges. The Federal Reserve has started raising interest rates to counter rising inflation, a move that hurts growth stocks more than average. Additionally, Meta faces headwinds from Apple's(AAPL-0.09%)privacy changes and increasing competition. Finally, rising competition from ByteDance's Tiktok and other social media sites is slowing user growth and engagement.The forces mentioned above have combined toreduced Meta's stock priceby 50% off its highs hit in September 2021. At a much lower price, this social media giant is now attracting value-consci","images":[{"img":"https://community-static.tradeup.com/news/3ba1f7a9bc5e28af819f77b19de8a3d4","width":"720","height":"433"},{"img":"https://community-static.tradeup.com/news/a409407cad6864b1a8532d7a1c9906b1","width":"-1","height":"-1"},{"img":"https://community-static.tradeup.com/news/125bd6a77465775c210cac70b0deebd0","width":"-1","height":"-1"}],"top":1,"highlighted":2,"essential":1,"paper":2,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9050813947","isVote":1,"tweetType":1,"viewCount":0,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":3,"langContent":"EN","totalScore":0},"isVote":1,"tweetType":1,"viewCount":297,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9022733009,"gmtCreate":1653577812502,"gmtModify":1676535307719,"author":{"id":"3585055954596184","authorId":"3585055954596184","name":"jhlam80","avatar":"https://static.tigerbbs.com/5a41fd1b8e9a410211181544f9f8e68f","crmLevel":2,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"Ok","listText":"Ok","text":"Ok","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9022733009","repostId":"9022704119","repostType":1,"repost":{"id":9022704119,"gmtCreate":1653576662531,"gmtModify":1676535307261,"author":{"id":"4098682592538030","authorId":"4098682592538030","name":"traveleat123","avatar":"https://community-static.tradeup.com/news/97a95205f615c20a20177e08a1f0cd4e","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false},"themes":[],"htmlText":"The electric vehicle (EV) market is gaining strength across the globe, with more EVs on the road than ever before.As more and more investors want in on the party, it can be difficult to determine which stocks will soar like we've seen with Tesla.The possibilities are many, including EV manufacturers, battery makers, lithium producers, and companies that focus on infrastructure.One way to pick the right stock, while also mitigating the risk of picking nothing but the wrong stocks, is to invest in an exchange-traded fund that focuses on the EV market as a whole.Two of the leading ETFs -- by performance that can satisfy the cautious investor are 1)&nbsp;<a href=\"https://ttm.financial/S/DRIV\">$Global X Autonomous &amp; Electric Vehicles ETF(DRIV)$</a>Global X Autonomous &amp; Electric Vehicles","listText":"The electric vehicle (EV) market is gaining strength across the globe, with more EVs on the road than ever before.As more and more investors want in on the party, it can be difficult to determine which stocks will soar like we've seen with Tesla.The possibilities are many, including EV manufacturers, battery makers, lithium producers, and companies that focus on infrastructure.One way to pick the right stock, while also mitigating the risk of picking nothing but the wrong stocks, is to invest in an exchange-traded fund that focuses on the EV market as a whole.Two of the leading ETFs -- by performance that can satisfy the cautious investor are 1)&nbsp;<a href=\"https://ttm.financial/S/DRIV\">$Global X Autonomous &amp; Electric Vehicles ETF(DRIV)$</a>Global X Autonomous &amp; Electric Vehicles","text":"The electric vehicle (EV) market is gaining strength across the globe, with more EVs on the road than ever before.As more and more investors want in on the party, it can be difficult to determine which stocks will soar like we've seen with Tesla.The possibilities are many, including EV manufacturers, battery makers, lithium producers, and companies that focus on infrastructure.One way to pick the right stock, while also mitigating the risk of picking nothing but the wrong stocks, is to invest in an exchange-traded fund that focuses on the EV market as a whole.Two of the leading ETFs -- by performance that can satisfy the cautious investor are 1) $Global X Autonomous & Electric Vehicles ETF(DRIV)$Global X Autonomous & Electric Vehicles","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9022704119","isVote":1,"tweetType":1,"viewCount":0,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},"isVote":1,"tweetType":1,"viewCount":374,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9061766309,"gmtCreate":1651678842075,"gmtModify":1676534947906,"author":{"id":"3585055954596184","authorId":"3585055954596184","name":"jhlam80","avatar":"https://static.tigerbbs.com/5a41fd1b8e9a410211181544f9f8e68f","crmLevel":2,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"Good sharing&nbsp;","listText":"Good sharing&nbsp;","text":"Good sharing","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9061766309","repostId":"2228528119","repostType":2,"repost":{"id":"2228528119","pubTimestamp":1650314013,"share":"https://www.laohu8.com/m/news/2228528119?lang=&edition=full","pubTime":"2022-04-19 04:33","market":"us","language":"en","title":"Nu Holdings: Strong Buy For Long-Term Compounder With 70% Upside","url":"https://stock-news.laohu8.com/highlight/detail?id=2228528119","media":"seekingalpha","summary":"imaginima/iStock via Getty Images When Nu Holdings Ltd. (NYSE:NU) first listed in December of 2021, ","content":"<html><body><p><figure><picture><img height=\"1536px\" src=\"https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1332002332/image_1332002332.jpg?io=getty-c-w750\" srcset=\"https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1332002332/image_1332002332.jpg?io=getty-c-w1536 1536w, https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1332002332/image_1332002332.jpg?io=getty-c-w1280 1280w, https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1332002332/image_1332002332.jpg?io=getty-c-w1080 1080w, https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1332002332/image_1332002332.jpg?io=getty-c-w750 750w, https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1332002332/image_1332002332.jpg?io=getty-c-w640 640w, https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1332002332/image_1332002332.jpg?io=getty-c-w480 480w, https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1332002332/image_1332002332.jpg?io=getty-c-w320 320w, https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1332002332/image_1332002332.jpg?io=getty-c-w240 240w\" width=\"1536px\"/></picture><figcaption><p>imaginima/iStock via Getty Images</p></figcaption></figure></p> <p>When <a href=\"https://laohu8.com/S/NU\">Nu Holdings Ltd.</a> (<span>NYSE:NU</span>) first listed in December of 2021, I noticed that the group of investors that were investing in Nu was of a rather high quality. High caliber, long-term investors. Of course, amongst them was Warren Buffett's Berkshire Hathaway<span>. As such, I decided to do a fundamental deep dive into the company to find out what it is about, and why is it that these institutional investors are putting money into Nu.</span></p> <h2>Investment thesis</h2> <p>I am initiating Nu Holdings with a strong buy rating based on the following investment thesis:</p> <ol> <li>Nu is disrupting the financial services sector in Latin America (\"LatAm\"), providing a strong value add to customers and SMEs (small and medium enterprises) that have fallen through the cracks as traditional banks do not service them at all or do not service them well. This provides a huge market opportunity for Nu that is for the taking, providing a long-run growth opportunity for Nu.</li> <li>Nu is currently <a href=\"https://laohu8.com/S/AONE.U\">one</a> of the world's largest digital banking platforms, but it is one that is still growing its customer base very quickly at a low customer acquisition cost. It has among the highest customer satisfaction and engagement in the industry.</li> <li>Nu is one of the rare high-growth fintech companies that have the ability as well as visibility to achieve profitability as it scales up its customer base, grows ARPAU, and reduces the costs associated with the business. There is compelling evidence that there are incremental improvements.</li> <li>Nu's strong credit portfolio growth, including its credit card and personal loans business, comes with strong credit quality despite the huge growth in volumes. In addition, management is prudent in ensuring a proactive coverage ratio over 90+ NPL to ensure high stability and liquidity in the business across different market cycles.</li> </ol> <p>With that, my target price for Nu, as elaborated below, is $12, implying a 70% upside potential from current levels.</p> <h2>Overview</h2> <p>In 2013, due to his frustration with the banking services he experienced in Brazil, David Vélez, co-founder and CEO of Nu Holdings, decided to partner with Cristina Junqueira and Edward Wible to co-found Nubank. The goal: tackling complexity while empowering people.</p> <p>About a year later, in 2014, it launched its first product, Nubank credit card. As can be seen in the picture below, Nu has since added many new products and services and also expanded into the Mexican and Colombian markets. More importantly, as a testament to Nu's goal, it has seen some serious traction in customer growth, to about 53.9 million customers, including both consumers and SMEs.</p> <p><figure><picture><span><img height=\"517\" hspace=\"6\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2022/4/17/55407818-16502452833046856.png\" vspace=\"6\" width=\"640\"/></span></picture><figcaption><p>Growth of Nu Holdings over the years (Nu PPT)</p></figcaption></figure></p> <h2>Huge market opportunity for disruption in LatAm's financial services sector</h2> <p>Nu's core markets are in Brazil, Mexico and Columbia, which make up 60% of the LatAm's GDP. Within these markets, the proportion of young customers below 30 years old, the age group growing up in the world of fintech, is between 44% to 51%. In addition, the proportion of unbanked consumers that have been left to fall through the cracks in the traditional financial services sector represents somewhere between 30% to 65% of the population.</p> <p>In addition, consumers without credit cards make up between 73% and 90% of these markets. As such, I think that there is no doubt that Nu could bridge the gap and provide these underserved or even unserved populations in LatAm with the financial services that they need.</p> <p><figure><picture><span><img height=\"333\" hspace=\"6\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2022/4/18/55407818-16502548885378609.png\" vspace=\"6\" width=\"640\"/></span></picture><figcaption><p>Disruption opportunity in LatAm financial services (Nu PPT)</p></figcaption></figure></p> <p>As such, there is an addressable market of $126 billion in the retail financial services sector in Brazil, while its core markets of Brazil, Mexico, and Colombia has an addressable market of $177 billion. This will be where Nu will be focusing its expansion efforts on. The addressable market in LatAm for retail financial services and marketplace makes up $269 billion in an expanded market outlook.</p> <h2>A customer base that is growing and engaged</h2> <p>Nu ended 2021 with a record 53.9 million customers, both consumers and SMEs. Of these, 41.1 million are monthly active customers.</p> <p>As highlighted earlier, based on Nu's 4Q21 results, it reported a record number of 53.9 million customers, both comprising of consumers and SMEs.</p> <p>To break it down further, we see that its core market of Brazil continues to grow decently, with 58% growth in customer growth year-on-year, to 52.4 million customers based on its 4Q21 results. Based on Brazil's adult population of approximately 168 million people, this means that about 30% of the country's adult population currently are Nu's customers. The implication of this to me is that there is still a significant runway for customer growth in Brazil despite the exponential growth in customers since 2014.</p> <p>Furthermore, as reported by Nu, over 55% of these monthly active customers with at least a year of being a Nu customer have actually made Nu their primary banking account. This is huge for Nu.</p> <p>In its other markets, Nu has also seen stellar customer growth. Nu Mexico customers as of 4Q21 were 1.4 million customers, which was up 1243% year over year. Based on an earlier 2Q21 Nu Mexico results, it showed that Nu was already the second-largest issuer of new credit cards in Mexico. As such, with the strong showing in customer growth in Mexico in 4Q21, Nu management said that this might suggest that as of 4Q21, it has already achieved the status of being the largest issuer of new credit cards in Mexico.</p> <p>In Colombia, Nu reached 114,000 customers only 15 months after launching in the country.</p> <p>To evaluate the quality of its customer base, we look towards Nu's Net Promoter Score (NPS). In fact, Nu just reported in its 4Q21 results that it has achieved NPS levels of at least 90 for the markets it operates in, Brazil, Mexico and Colombia. NPS, to me, is regarded as the gold standard metric for evaluating and measuring customer experience. It measures the loyalty of customers to a particular company. With a maximum score of 100, the higher the score, the higher the quality of customer experience that was achieved.</p> <p>For Nu to achieve a score of 90 is a remarkable feat in my view and demonstrates the very positive customer experience it brings relative to traditional banking experiences. More importantly, with a score of 90, this implies that Nu's customers are loyal and likely to be promoters of the company who will continue to use the products and services offered by Nu and even refer it to others.</p> <h2>A business model poised for substantial earnings generation</h2> <p>As with all high-growth fintech companies these days, the ability to make the business a profitable one, or at least the visibility of it, is crucial. Without any ability to generate profits, these high-growth companies are in effect cash burning machines that might likely question the going concern assumptions of most financial models in the future. As such, I place a strong emphasis on earnings ability. If a high-growth company shows that it is capable of achieving this, it should be deserving of a premium on its valuations.</p> <p>Nu's strategy to profitability is rather straightforward. To achieve substantial earnings power, it will need to grow its revenues whilst reducing its costs. To increase its revenues, this comes from growing active customers and also increasing the Average Revenue Per Active Customer (ARPAC). To decrease its costs, Nu focuses on lowering the cost to serve, and thus, ultimately operates a low-cost platform.</p> <p><figure><picture><span><img height=\"193\" hspace=\"6\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2022/4/17/55407818-16502488266733503.png\" vspace=\"6\" width=\"640\"/></span></picture><figcaption><p>Nu's business model to generate substantial earnings power (Nu PPT)</p></figcaption></figure></p> <h2>Active customer and ARPAC growth</h2> <p>Nu's customer growth has been excellent over the past 4 years, with a 108% CAGR over the period. Even in the most recent quarter, the 62% growth in customers shows Nu's continued momentum in acquiring new customers.</p> <p><figure><picture><span><img height=\"249\" hspace=\"6\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2022/4/17/55407818-16502491278415027.png\" vspace=\"6\" width=\"640\"/></span></picture><figcaption><p>Nu's strong customer acquisition momentum (Nu PPT)</p></figcaption></figure></p> <p>In addition, we can see that Nu is successful in increasing monthly ARPAC for each cohort, with the average ARPAC achieving $5.6 per month while the most mature cohorts have achieved about $15 per month. This was largely driven by the increase in products used by each active customer over the years as Nu rolled out more products, like bank accounts in 2017, debit cards in 2018, personal loans in 2019 and NuLife in 2020.</p> <p><figure><picture><img height=\"389\" hspace=\"6\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2022/4/17/55407818-1650252231759648.png\" vspace=\"6\" width=\"347\"/></picture><figcaption><p>Increase in Nu's ARPAC (Nu PPT)</p></figcaption></figure></p> <h2>Lowering costs</h2> <p>Nu's strategy to improve operating leverage and unleashing its operating leverage potential comes from 4 cost advantages it can leverage on:</p> <ol> <li>Low customer acquisition cost</li> <li>Low cost to serve</li> <li>Low cost of risk</li> <li>Low cost of funding</li> </ol> <p>With its NPS of more than 90, Nu has an enviable position of having one of the lowest customer acquisition costs in the industry as most of the customer growth comes organically, through word of mouth. As such, Nu has an advantage over peers in terms of having a lower customer acquisition cost.</p> <p>In addition, Nu has been able to decrease its cost to serve over time. This is evident from its ability to lower the cost of serve per customer by 20% YOY in 4Q21. As such, its operating leverage potential can easily be increased with the increasing customer growth we are seeing in its core markets. Over the longer run, Nu saw its cost to serve per customer drop by 15% CAGR from 2018 to 2021.</p> <p><figure><picture><span><img height=\"250\" hspace=\"6\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2022/4/17/55407818-16502507470472229.png\" vspace=\"6\" width=\"640\"/></span></picture><figcaption><p>Nu's cost to serve continues to decline (Nu PPT)</p></figcaption></figure></p> <p>Lastly, Nu also targets a lower cost of funding and cost of risk. As illustrated below, we can see that the cost of funding and cost of risk has been kept low even as the number of customers and amount of lending has increased.</p> <p><figure><picture><img height=\"397\" hspace=\"6\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2022/4/17/55407818-16502513419289582.png\" vspace=\"6\" width=\"520\"/></picture><figcaption><p>Nu's declining cost of funding and cost of risk (Nu PPT)</p></figcaption></figure></p> <p>Zooming into the cost of risk, we can see that the cost of risk has decreased even as the amount of lending business has increased.</p> <p><figure><picture><img height=\"403\" hspace=\"6\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2022/4/17/55407818-16502515086229303.png\" vspace=\"6\" width=\"519\"/></picture><figcaption><p>Nu's declining cost of risk (Nu PPT)</p></figcaption></figure></p> <h2>Strong growth with an emphasis on strong asset quality</h2> <p>Nu's credit portfolio has grown considerably, at a CAGR of 75% from 2018 to 2021. The large bulk of it comprises of credit card receivables, but personal loans, which was launched in 2019 is increasingly driving the growth of the portfolio as it makes up a larger mix in the credit portfolio.</p> <p><figure><picture><span><img height=\"244\" hspace=\"6\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2022/4/17/55407818-1650253764873422.png\" vspace=\"6\" width=\"640\"/></span></picture><figcaption><p>Strong growth in Nu's credit portfolio (Nu PPT)</p></figcaption></figure></p> <p>That said, there is always the risk that this strong growth in the credit portfolio and personal loans might come at the expense of increasing delinquencies, measured by NPLs. As can be seen by the 90+ NPLs, there is a spread of 1.5% between the market and Nu as of 1Q18, and that spread has been maintained at 1.5% as of 4Q21. This is despite the fact that the credit portfolio has grown from $1,770 million as of Dec-18 to $6,555 million as of Dec-21, as shown above. I look at the 90+ NPL mainly because these are the non-performing loans that are more than 90 days past due and represent loans that are probably unlikely to be collected.</p> <p><figure><picture><span><img height=\"238\" hspace=\"6\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2022/4/17/55407818-16502536762602646.png\" vspace=\"6\" width=\"640\"/></span></picture><figcaption><p>Strong growth not at the expense of asset quality (Nu PPT)</p></figcaption></figure></p> <p>Furthermore, Nu maintains a rather prudent coverage ratio across cycles, in my view. In 1Q18, the coverage ratios over NPL of 90+ was at 126%, while as of 4Q21, this coverage ratio over NPL of 90+ was doubled to 240%. This represents ample prudence to cover for the 90+ NPLs. Similarly, its coverage ratios over its total balance have steadily increased from 6% in 1Q18 to 8% in 4Q21.</p> <p><figure><picture><span><img height=\"240\" hspace=\"6\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2022/4/17/55407818-16502542473930202.png\" vspace=\"6\" width=\"640\"/></span></picture><figcaption><p>Nu's prudent coverage ratios across cycles (Nu PPT)</p></figcaption></figure></p> <p>As highlighted in the 4Q21 results, management said a higher coverage ratio was warranted given, firstly, how fast the loan portfolio is increasing relative to the credit portfolio, and secondly, the continued normalization of NPLs to the pre-Covid levels. In my opinion, the fact that management is proactive in increasing the coverage ratios over the 90+ NPLs in anticipation for these two issues highlighted above indicates to me that the management takes a calibrated prudent approach to risk and asset quality. This is an important advantage for Nu, in my view, especially across credit cycles.</p> <h2>Valuation</h2> <p>My target price for Nu is $12. This implies a 70% upside to current price levels. This is based on a mix of DCF methodology and comparable-based methodology. Specifically, on the comparable method, this group recently traded between a range of 6x to 12x 2022F revenues, and since Nu's revenue growth is significantly higher than most competitors in the group, and with Nu's ability to be profitable, I think that it warrants a premium in the multiples.</p> <p>Nu is currently trading at 17.9x 2025F P/E, with a growth adjusted P/E ratio, or PEG ratio of 0.24x. In the nearer term, as I expect Nu to turn to profitability in FY2023, the P/E ratio for 2023F and 2024F are 109x and 31x respectively, while EPS growth for 2024F is expected to be around 250%.</p> <h2>Risks</h2> <h3>Brazil macroeconomic environment</h3> <p>Going into the Brazil presidential election this year, there are many uncertainties plaguing the Brazilian macroeconomic environment as the fiscal scenario in Brazil continues to be challenging, along with rising inflation (10% increase in 2022) as well as rising interest rates. A weaker economic environment causes a potential slowdown in growth and/or a worsening of asset quality.</p> <h3>Competition</h3> <p>Competition to Nu comes in several fronts, both from emerging fintech players in Brazil each with advantages in certain segments of the financial industry, while large incumbent banks may also adapt to the new digital environment and create digital platforms that can effectively compete with Nu.</p> <h2>Conclusion</h2> <p>I conclude with a strong buy rating on Nu, with a target price of $12, representing about a 70% upside from current levels. Nu is likely to be a leading fintech in LatAm with a long-term compounding opportunity as it continues to grow. As highlighted, Nu has a large addressable market opportunity in its core markets of Brazil, Mexico and Colombia, a rapidly growing customers base that is highly engaged and satisfied, a business model that is poised for significant earnings potential, and resilient asset quality as it continues to grow its credit portfolio.</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>Nu Holdings: Strong Buy For Long-Term Compounder With 70% Upside</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\">\nNu Holdings: Strong Buy For Long-Term Compounder With 70% Upside\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-04-19 04:33 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://seekingalpha.com/article/4501980-nu-holdings-strong-buy-long-term-compounder-upside><strong>seekingalpha</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>imaginima/iStock via Getty Images When Nu Holdings Ltd. (NYSE:NU) first listed in December of 2021, I noticed that the group of investors that were investing in Nu was of a rather high quality. High ...</p>\n\n<a href=\"https://seekingalpha.com/article/4501980-nu-holdings-strong-buy-long-term-compounder-upside\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"NU":"Nu Holdings Ltd.","BK4207":"综合性银行"},"source_url":"https://seekingalpha.com/article/4501980-nu-holdings-strong-buy-long-term-compounder-upside","is_english":true,"share_image_url":"https://static.laohu8.com/5a36db9d73b4222bc376d24ccc48c8a4","article_id":"2228528119","content_text":"imaginima/iStock via Getty Images When Nu Holdings Ltd. (NYSE:NU) first listed in December of 2021, I noticed that the group of investors that were investing in Nu was of a rather high quality. High caliber, long-term investors. Of course, amongst them was Warren Buffett's Berkshire Hathaway. As such, I decided to do a fundamental deep dive into the company to find out what it is about, and why is it that these institutional investors are putting money into Nu. Investment thesis I am initiating Nu Holdings with a strong buy rating based on the following investment thesis:  Nu is disrupting the financial services sector in Latin America (\"LatAm\"), providing a strong value add to customers and SMEs (small and medium enterprises) that have fallen through the cracks as traditional banks do not service them at all or do not service them well. This provides a huge market opportunity for Nu that is for the taking, providing a long-run growth opportunity for Nu. Nu is currently one of the world's largest digital banking platforms, but it is one that is still growing its customer base very quickly at a low customer acquisition cost. It has among the highest customer satisfaction and engagement in the industry. Nu is one of the rare high-growth fintech companies that have the ability as well as visibility to achieve profitability as it scales up its customer base, grows ARPAU, and reduces the costs associated with the business. There is compelling evidence that there are incremental improvements. Nu's strong credit portfolio growth, including its credit card and personal loans business, comes with strong credit quality despite the huge growth in volumes. In addition, management is prudent in ensuring a proactive coverage ratio over 90+ NPL to ensure high stability and liquidity in the business across different market cycles.  With that, my target price for Nu, as elaborated below, is $12, implying a 70% upside potential from current levels. Overview In 2013, due to his frustration with the banking services he experienced in Brazil, David Vélez, co-founder and CEO of Nu Holdings, decided to partner with Cristina Junqueira and Edward Wible to co-found Nubank. The goal: tackling complexity while empowering people. About a year later, in 2014, it launched its first product, Nubank credit card. As can be seen in the picture below, Nu has since added many new products and services and also expanded into the Mexican and Colombian markets. More importantly, as a testament to Nu's goal, it has seen some serious traction in customer growth, to about 53.9 million customers, including both consumers and SMEs. Growth of Nu Holdings over the years (Nu PPT) Huge market opportunity for disruption in LatAm's financial services sector Nu's core markets are in Brazil, Mexico and Columbia, which make up 60% of the LatAm's GDP. Within these markets, the proportion of young customers below 30 years old, the age group growing up in the world of fintech, is between 44% to 51%. In addition, the proportion of unbanked consumers that have been left to fall through the cracks in the traditional financial services sector represents somewhere between 30% to 65% of the population. In addition, consumers without credit cards make up between 73% and 90% of these markets. As such, I think that there is no doubt that Nu could bridge the gap and provide these underserved or even unserved populations in LatAm with the financial services that they need. Disruption opportunity in LatAm financial services (Nu PPT) As such, there is an addressable market of $126 billion in the retail financial services sector in Brazil, while its core markets of Brazil, Mexico, and Colombia has an addressable market of $177 billion. This will be where Nu will be focusing its expansion efforts on. The addressable market in LatAm for retail financial services and marketplace makes up $269 billion in an expanded market outlook. A customer base that is growing and engaged Nu ended 2021 with a record 53.9 million customers, both consumers and SMEs. Of these, 41.1 million are monthly active customers. As highlighted earlier, based on Nu's 4Q21 results, it reported a record number of 53.9 million customers, both comprising of consumers and SMEs. To break it down further, we see that its core market of Brazil continues to grow decently, with 58% growth in customer growth year-on-year, to 52.4 million customers based on its 4Q21 results. Based on Brazil's adult population of approximately 168 million people, this means that about 30% of the country's adult population currently are Nu's customers. The implication of this to me is that there is still a significant runway for customer growth in Brazil despite the exponential growth in customers since 2014. Furthermore, as reported by Nu, over 55% of these monthly active customers with at least a year of being a Nu customer have actually made Nu their primary banking account. This is huge for Nu. In its other markets, Nu has also seen stellar customer growth. Nu Mexico customers as of 4Q21 were 1.4 million customers, which was up 1243% year over year. Based on an earlier 2Q21 Nu Mexico results, it showed that Nu was already the second-largest issuer of new credit cards in Mexico. As such, with the strong showing in customer growth in Mexico in 4Q21, Nu management said that this might suggest that as of 4Q21, it has already achieved the status of being the largest issuer of new credit cards in Mexico. In Colombia, Nu reached 114,000 customers only 15 months after launching in the country. To evaluate the quality of its customer base, we look towards Nu's Net Promoter Score (NPS). In fact, Nu just reported in its 4Q21 results that it has achieved NPS levels of at least 90 for the markets it operates in, Brazil, Mexico and Colombia. NPS, to me, is regarded as the gold standard metric for evaluating and measuring customer experience. It measures the loyalty of customers to a particular company. With a maximum score of 100, the higher the score, the higher the quality of customer experience that was achieved. For Nu to achieve a score of 90 is a remarkable feat in my view and demonstrates the very positive customer experience it brings relative to traditional banking experiences. More importantly, with a score of 90, this implies that Nu's customers are loyal and likely to be promoters of the company who will continue to use the products and services offered by Nu and even refer it to others. A business model poised for substantial earnings generation As with all high-growth fintech companies these days, the ability to make the business a profitable one, or at least the visibility of it, is crucial. Without any ability to generate profits, these high-growth companies are in effect cash burning machines that might likely question the going concern assumptions of most financial models in the future. As such, I place a strong emphasis on earnings ability. If a high-growth company shows that it is capable of achieving this, it should be deserving of a premium on its valuations. Nu's strategy to profitability is rather straightforward. To achieve substantial earnings power, it will need to grow its revenues whilst reducing its costs. To increase its revenues, this comes from growing active customers and also increasing the Average Revenue Per Active Customer (ARPAC). To decrease its costs, Nu focuses on lowering the cost to serve, and thus, ultimately operates a low-cost platform. Nu's business model to generate substantial earnings power (Nu PPT) Active customer and ARPAC growth Nu's customer growth has been excellent over the past 4 years, with a 108% CAGR over the period. Even in the most recent quarter, the 62% growth in customers shows Nu's continued momentum in acquiring new customers. Nu's strong customer acquisition momentum (Nu PPT) In addition, we can see that Nu is successful in increasing monthly ARPAC for each cohort, with the average ARPAC achieving $5.6 per month while the most mature cohorts have achieved about $15 per month. This was largely driven by the increase in products used by each active customer over the years as Nu rolled out more products, like bank accounts in 2017, debit cards in 2018, personal loans in 2019 and NuLife in 2020. Increase in Nu's ARPAC (Nu PPT) Lowering costs Nu's strategy to improve operating leverage and unleashing its operating leverage potential comes from 4 cost advantages it can leverage on:  Low customer acquisition cost Low cost to serve Low cost of risk Low cost of funding  With its NPS of more than 90, Nu has an enviable position of having one of the lowest customer acquisition costs in the industry as most of the customer growth comes organically, through word of mouth. As such, Nu has an advantage over peers in terms of having a lower customer acquisition cost. In addition, Nu has been able to decrease its cost to serve over time. This is evident from its ability to lower the cost of serve per customer by 20% YOY in 4Q21. As such, its operating leverage potential can easily be increased with the increasing customer growth we are seeing in its core markets. Over the longer run, Nu saw its cost to serve per customer drop by 15% CAGR from 2018 to 2021. Nu's cost to serve continues to decline (Nu PPT) Lastly, Nu also targets a lower cost of funding and cost of risk. As illustrated below, we can see that the cost of funding and cost of risk has been kept low even as the number of customers and amount of lending has increased. Nu's declining cost of funding and cost of risk (Nu PPT) Zooming into the cost of risk, we can see that the cost of risk has decreased even as the amount of lending business has increased. Nu's declining cost of risk (Nu PPT) Strong growth with an emphasis on strong asset quality Nu's credit portfolio has grown considerably, at a CAGR of 75% from 2018 to 2021. The large bulk of it comprises of credit card receivables, but personal loans, which was launched in 2019 is increasingly driving the growth of the portfolio as it makes up a larger mix in the credit portfolio. Strong growth in Nu's credit portfolio (Nu PPT) That said, there is always the risk that this strong growth in the credit portfolio and personal loans might come at the expense of increasing delinquencies, measured by NPLs. As can be seen by the 90+ NPLs, there is a spread of 1.5% between the market and Nu as of 1Q18, and that spread has been maintained at 1.5% as of 4Q21. This is despite the fact that the credit portfolio has grown from $1,770 million as of Dec-18 to $6,555 million as of Dec-21, as shown above. I look at the 90+ NPL mainly because these are the non-performing loans that are more than 90 days past due and represent loans that are probably unlikely to be collected. Strong growth not at the expense of asset quality (Nu PPT) Furthermore, Nu maintains a rather prudent coverage ratio across cycles, in my view. In 1Q18, the coverage ratios over NPL of 90+ was at 126%, while as of 4Q21, this coverage ratio over NPL of 90+ was doubled to 240%. This represents ample prudence to cover for the 90+ NPLs. Similarly, its coverage ratios over its total balance have steadily increased from 6% in 1Q18 to 8% in 4Q21. Nu's prudent coverage ratios across cycles (Nu PPT) As highlighted in the 4Q21 results, management said a higher coverage ratio was warranted given, firstly, how fast the loan portfolio is increasing relative to the credit portfolio, and secondly, the continued normalization of NPLs to the pre-Covid levels. In my opinion, the fact that management is proactive in increasing the coverage ratios over the 90+ NPLs in anticipation for these two issues highlighted above indicates to me that the management takes a calibrated prudent approach to risk and asset quality. This is an important advantage for Nu, in my view, especially across credit cycles. Valuation My target price for Nu is $12. This implies a 70% upside to current price levels. This is based on a mix of DCF methodology and comparable-based methodology. Specifically, on the comparable method, this group recently traded between a range of 6x to 12x 2022F revenues, and since Nu's revenue growth is significantly higher than most competitors in the group, and with Nu's ability to be profitable, I think that it warrants a premium in the multiples. Nu is currently trading at 17.9x 2025F P/E, with a growth adjusted P/E ratio, or PEG ratio of 0.24x. In the nearer term, as I expect Nu to turn to profitability in FY2023, the P/E ratio for 2023F and 2024F are 109x and 31x respectively, while EPS growth for 2024F is expected to be around 250%. Risks Brazil macroeconomic environment Going into the Brazil presidential election this year, there are many uncertainties plaguing the Brazilian macroeconomic environment as the fiscal scenario in Brazil continues to be challenging, along with rising inflation (10% increase in 2022) as well as rising interest rates. A weaker economic environment causes a potential slowdown in growth and/or a worsening of asset quality. Competition Competition to Nu comes in several fronts, both from emerging fintech players in Brazil each with advantages in certain segments of the financial industry, while large incumbent banks may also adapt to the new digital environment and create digital platforms that can effectively compete with Nu. Conclusion I conclude with a strong buy rating on Nu, with a target price of $12, representing about a 70% upside from current levels. Nu is likely to be a leading fintech in LatAm with a long-term compounding opportunity as it continues to grow. As highlighted, Nu has a large addressable market opportunity in its core markets of Brazil, Mexico and Colombia, a rapidly growing customers base that is highly engaged and satisfied, a business model that is poised for significant earnings potential, and resilient asset quality as it continues to grow its credit portfolio.","news_type":1},"isVote":1,"tweetType":1,"viewCount":340,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9015503239,"gmtCreate":1649501260341,"gmtModify":1676534522275,"author":{"id":"3585055954596184","authorId":"3585055954596184","name":"jhlam80","avatar":"https://static.tigerbbs.com/5a41fd1b8e9a410211181544f9f8e68f","crmLevel":2,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"<a href=\"https://ttm.financial/S/MRK\">$Merck(MRK)$</a>Can Merck break above 100?","listText":"<a href=\"https://ttm.financial/S/MRK\">$Merck(MRK)$</a>Can Merck break above 100?","text":"$Merck(MRK)$Can Merck break above 100?","images":[{"img":"https://community-static.tradeup.com/news/bf148ace327a647c9dad4346c505a4fc","width":"1125","height":"2996"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9015503239","isVote":1,"tweetType":1,"viewCount":362,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":9013237309,"gmtCreate":1648733868099,"gmtModify":1676534387687,"author":{"id":"3585055954596184","authorId":"3585055954596184","name":"jhlam80","avatar":"https://static.tigerbbs.com/5a41fd1b8e9a410211181544f9f8e68f","crmLevel":2,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"<a href=\"https://ttm.financial/S/MRK\">$Merck(MRK)$</a>good and steady share","listText":"<a href=\"https://ttm.financial/S/MRK\">$Merck(MRK)$</a>good and steady share","text":"$Merck(MRK)$good and steady share","images":[{"img":"https://community-static.tradeup.com/news/5c89df0b69c070bb7b51e914c2fa5b81","width":"1125","height":"2981"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9013237309","isVote":1,"tweetType":1,"viewCount":246,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":9034825771,"gmtCreate":1647859936189,"gmtModify":1676534272564,"author":{"id":"3585055954596184","authorId":"3585055954596184","name":"jhlam80","avatar":"https://static.tigerbbs.com/5a41fd1b8e9a410211181544f9f8e68f","crmLevel":2,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"Good sharing","listText":"Good sharing","text":"Good sharing","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9034825771","repostId":"1163374302","repostType":4,"repost":{"id":"1163374302","pubTimestamp":1647876673,"share":"https://www.laohu8.com/m/news/1163374302?lang=&edition=full","pubTime":"2022-03-21 23:31","market":"us","language":"en","title":"Have $500? 2 Absurdly Cheap Stocks Long-Term Investors Should Buy Right Now","url":"https://stock-news.laohu8.com/highlight/detail?id=1163374302","media":"Motley Fool","summary":"It can be a scary time for growth stock investors right now. Some of the most popular (and most prom","content":"<html><head></head><body><p>It can be a scary time for growth stock investors right now. Some of the most popular (and most promising) growth stocks seem to rise and fall by 5% or more every day, and many are 40%, 50%, or more off their highs.</p><p>To be sure,<i>some</i> of the beaten-down growth stocks are lower for a reason. But with others, the recent downturn can be a great opportunity to search for long-term bargains. With that in mind, here are two stocks that look especially appealing at the current prices.</p><p>An e-commerce leader with massive potential</p><p>Since reaching a share price of more than $300 in November, handmade and unique item marketplace <b>Etsy</b> has seen its share price cut in half, despite posting strong results throughout its business.</p><p>Over the past couple of years, the number of active buyers and sellers on Etsy&#39;s platform have both more than doubled, and the number of frequent buyers has more than tripled. And while some of the growth was certainly helped by the COVID-19 pandemic, the numbers continue to trend in the right direction. For example, Etsy&#39;s fourth-quarter merchandise volume was an all-time record for the company, and the average active buyer spent 16% more than in the fourth quarter of 2020.</p><p>Etsy has done a great job of adding value to its namesake platform with things like advanced advertising options and free shipping availability. It has also made several strategic acquisitions that should broaden its user base even further and grow its addressable market opportunity.</p><p>And finally, speaking of Etsy&#39;s addressable market, the company has an estimated $466 billion total addressable market opportunity from online retail sales in its seven core markets around the world, and it has captured less than 3% of that so far.</p><p>A profitable social media company with many ways to grow</p><p>With shares more than 70% below their 52-week high, <b>Pinterest</b> is looking like an absolute steal right now.</p><p>To be sure, there are some valid reasons for Pinterest&#39;s pullback. Specifically, user growth (or lack thereof) is a legitimate concern right now. In the fourth quarter of 2021, Pinterest&#39;s active user base actually declined by 6% year over year. In simple terms, with fewer COVID-19 restrictions, people have less time to browse ideas online than they did a year ago.</p><p>However, the slump in user growth should be temporary, and the company is doing a <i>fantastic</i> job of monetizing its user base. Pinterest&#39;s average revenue per user grew by 23% over the past year, and in the international user base (where 80% of users are), the increase was a staggering 62%. Pinterest&#39;s revenue per user is still a small fraction of other leading social media platforms, and there&#39;s still a <i>big</i> gap between international and domestic monetization, so the company could multiply its revenue several times over even without user growth.</p><p>Be prepared for a wild ride, at least for now</p><p>It&#39;s important to emphasize that I have absolutely no idea what these stocks will do over the next couple of months, or even for the rest of the year. There are simply too many variables, such as inflation, interest rates, and the Ukraine situation, that could put pressure on these and other stocks in the near term. But I&#39;m confident that these are two great businesses that could generate strong returns for investors who measure their returns in five-year periods or more, so if you invest, do so with that in mind.</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>Have $500? 2 Absurdly Cheap Stocks Long-Term Investors Should Buy Right Now</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nHave $500? 2 Absurdly Cheap Stocks Long-Term Investors Should Buy Right Now\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-03-21 23:31 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2022/03/20/have-500-2-absurdly-cheap-stocks-long-term-investo/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>It can be a scary time for growth stock investors right now. Some of the most popular (and most promising) growth stocks seem to rise and fall by 5% or more every day, and many are 40%, 50%, or more ...</p>\n\n<a href=\"https://www.fool.com/investing/2022/03/20/have-500-2-absurdly-cheap-stocks-long-term-investo/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"PINS":"Pinterest, Inc.","ETSY":"Etsy, Inc."},"source_url":"https://www.fool.com/investing/2022/03/20/have-500-2-absurdly-cheap-stocks-long-term-investo/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1163374302","content_text":"It can be a scary time for growth stock investors right now. Some of the most popular (and most promising) growth stocks seem to rise and fall by 5% or more every day, and many are 40%, 50%, or more off their highs.To be sure,some of the beaten-down growth stocks are lower for a reason. But with others, the recent downturn can be a great opportunity to search for long-term bargains. With that in mind, here are two stocks that look especially appealing at the current prices.An e-commerce leader with massive potentialSince reaching a share price of more than $300 in November, handmade and unique item marketplace Etsy has seen its share price cut in half, despite posting strong results throughout its business.Over the past couple of years, the number of active buyers and sellers on Etsy's platform have both more than doubled, and the number of frequent buyers has more than tripled. And while some of the growth was certainly helped by the COVID-19 pandemic, the numbers continue to trend in the right direction. For example, Etsy's fourth-quarter merchandise volume was an all-time record for the company, and the average active buyer spent 16% more than in the fourth quarter of 2020.Etsy has done a great job of adding value to its namesake platform with things like advanced advertising options and free shipping availability. It has also made several strategic acquisitions that should broaden its user base even further and grow its addressable market opportunity.And finally, speaking of Etsy's addressable market, the company has an estimated $466 billion total addressable market opportunity from online retail sales in its seven core markets around the world, and it has captured less than 3% of that so far.A profitable social media company with many ways to growWith shares more than 70% below their 52-week high, Pinterest is looking like an absolute steal right now.To be sure, there are some valid reasons for Pinterest's pullback. Specifically, user growth (or lack thereof) is a legitimate concern right now. In the fourth quarter of 2021, Pinterest's active user base actually declined by 6% year over year. In simple terms, with fewer COVID-19 restrictions, people have less time to browse ideas online than they did a year ago.However, the slump in user growth should be temporary, and the company is doing a fantastic job of monetizing its user base. Pinterest's average revenue per user grew by 23% over the past year, and in the international user base (where 80% of users are), the increase was a staggering 62%. Pinterest's revenue per user is still a small fraction of other leading social media platforms, and there's still a big gap between international and domestic monetization, so the company could multiply its revenue several times over even without user growth.Be prepared for a wild ride, at least for nowIt's important to emphasize that I have absolutely no idea what these stocks will do over the next couple of months, or even for the rest of the year. There are simply too many variables, such as inflation, interest rates, and the Ukraine situation, that could put pressure on these and other stocks in the near term. But I'm confident that these are two great businesses that could generate strong returns for investors who measure their returns in five-year periods or more, so if you invest, do so with that in mind.","news_type":1},"isVote":1,"tweetType":1,"viewCount":448,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9098167066,"gmtCreate":1644049659473,"gmtModify":1676533886414,"author":{"id":"3585055954596184","authorId":"3585055954596184","name":"jhlam80","avatar":"https://static.tigerbbs.com/5a41fd1b8e9a410211181544f9f8e68f","crmLevel":2,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"Good sharing","listText":"Good sharing","text":"Good sharing","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9098167066","repostId":"2208501310","repostType":4,"repost":{"id":"2208501310","pubTimestamp":1644018270,"share":"https://www.laohu8.com/m/news/2208501310?lang=&edition=full","pubTime":"2022-02-05 07:44","market":"us","language":"en","title":"Is It Time to Buy the S&P 500's 3 Worst-Performing January Stocks?","url":"https://stock-news.laohu8.com/highlight/detail?id=2208501310","media":"Motley Fool","summary":"Two of the three tickers in question are tempting in that they were once among the market's most beloved names.","content":"<html><head></head><body><p>January was a tough one for investors, with the <b>S&amp;P 500</b> (SNPINDEX:^GSPC) losing a little more than 5.2% of its value. That sell-off marks the worst month for the market since March of 2020 when stocks plummeted as the COVID-19 pandemic was declared.</p><p>Many of the stocks that make up the index saw share prices fall much more. The worst of the worst were <b>Netflix</b> (NASDAQ:NFLX), <b>EPAM Systems</b> (NYSE:EPAM), and<b> Moderna</b> (NASDAQ:MRNA). The first two names tumbled 29% last month, while Moderna shares ended January more than 33% lower. The vaccine trade has clearly lost its luster.</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/18e27fbd52a0474ccd72c75bb60af5db\" tg-width=\"720\" tg-height=\"483\" width=\"100%\" height=\"auto\"/><span>MRNA data by YCharts</span></p><p>Many discount investors are, of course, mulling purchases of these beaten-down names. Why pay full price when you can buy a stock on sale?</p><p>Before plowing into any of these stocks -- or any of the S&amp;P 500&#39;s other big January losers, for that matter -- take a step back and inspect your true motivation. Just because a ticker has lost a massive amount of value in a short period of time doesn&#39;t inherently mean it&#39;s ripe for a rapid recovery.</p><h2>The sell-offs make some sense</h2><p>Take Moderna as an example. While it was one of the most ballyhooed names in the race to create a COVID-19 vaccine, shares of the drugmaker overstepped their sustainable, justifiable long-term value in 2020 and 2021. With the initially created vaccines not quite as effective as hoped at curbing the spread of the omicron variant -- and even less effective against the new omicron subvariant -- the world is losing interest in what increasingly looks like a never-ending chase for immunity. Denmark and England have essentially dropped all pandemic-related restrictions.</p><p>Support for vaccine mandates is withering anyway. The U.S. Supreme Court ruled against the White House&#39;s effort to force all large companies to impose their own vaccination mandates on employees. Even without that ruling, many companies, including <b>Boeing</b> and <b>Starbucks</b>, were canceling their mandate policies.</p><p>Simply put, the world&#39;s losing interest in continuing to fight a coronavirus contagion that&#39;s already raced out of control.</p><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/1149d759f046abd160561d3662127108\" tg-width=\"700\" tg-height=\"466\" width=\"100%\" height=\"auto\"/><span>Image source: Getty Images.</span></p><p>Netflix is in a different but comparable situation. While plenty of supporters and shareholders see the recent subscriber growth lull as a temporary headwind linked to strong growth during the early days of the pandemic, that view overlooks a critical detail. That is, Netflix&#39;s biggest and best competition surfaced right before and during the rise of the coronavirus contagion.</p><p>The specifics: <b>Walt Disney</b>&#39;s Disney+ debuted in November of 2019, a month before COVID-19 was first detected in China. WarnerMedia&#39;s HBO Max launched in May of 2020. <b>Discovery</b> made Discovery+ available in early 2021, and it is already serving 20 million paying subscribers. <b>ViacomCBS</b> ramped up its streaming efforts in the middle of the pandemic as well. Its Pluto TV platform now serves 54.4 million viewers, doubling its headcount as of early 2020. Its total number of premium streaming subscribers also more than doubled during that period.</p><p>This isn&#39;t to suggest Netflix is doomed. It&#39;s still the most compelling brand in the streaming business. The recent streak of disappointing subscriber growth, however, may reflect an increasingly crowded market more than tougher comps. The former is a more permanent challenge.</p><h2>Heed the market&#39;s warning</h2><p>Just because a stock&#39;s been a poor performer of late doesn&#39;t mean it&#39;s destined to forever go lower due to demand issues, of course.</p><p>Take the aforementioned software company EPAM Systems, for instance. The stock&#39;s crashed since the end of last year, mostly thanks to an excessive run-up in 2021. The fundamental bullish argument hasn&#39;t changed for this growth name, though. Analysts are still calling for 30% sales growth this year, driving comparable earnings growth as a result. Companies still need help moving into the digital world, and EPAM is still well-positioned as the go-to solutions provider.</p><p>Of the S&amp;P 500&#39;s three biggest laggards in January, though, this one is the only one where the sell-off is clearly a mistake.</p><p>The thing is, this limited number of sharply sold-off stocks that are actually firm buys following their meltdowns is nothing new. There&#39;s always more to the story, and more often than not, the market&#39;s selling is a reasonable warning that a company is at least worth viewing through a lens of healthy doubt.</p><p>In simpler terms, big losses don&#39;t inherently make a stock a buy, even when that stock is a well-known ticker. Always look at the bigger picture.</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>Is It Time to Buy the S&P 500's 3 Worst-Performing January Stocks?</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\">\nIs It Time to Buy the S&P 500's 3 Worst-Performing January Stocks?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-02-05 07:44 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2022/02/04/time-buy-sp-500-worst-performing-january-stock/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>January was a tough one for investors, with the S&P 500 (SNPINDEX:^GSPC) losing a little more than 5.2% of its value. That sell-off marks the worst month for the market since March of 2020 when stocks...</p>\n\n<a href=\"https://www.fool.com/investing/2022/02/04/time-buy-sp-500-worst-performing-january-stock/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"MRNA":"Moderna, Inc.","EPAM":"Epam Systems","NFLX":"奈飞","SPY":"标普500ETF","BK4559":"巴菲特持仓","BK4534":"瑞士信贷持仓","BK4550":"红杉资本持仓","BK4504":"桥水持仓"},"source_url":"https://www.fool.com/investing/2022/02/04/time-buy-sp-500-worst-performing-january-stock/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2208501310","content_text":"January was a tough one for investors, with the S&P 500 (SNPINDEX:^GSPC) losing a little more than 5.2% of its value. That sell-off marks the worst month for the market since March of 2020 when stocks plummeted as the COVID-19 pandemic was declared.Many of the stocks that make up the index saw share prices fall much more. The worst of the worst were Netflix (NASDAQ:NFLX), EPAM Systems (NYSE:EPAM), and Moderna (NASDAQ:MRNA). The first two names tumbled 29% last month, while Moderna shares ended January more than 33% lower. The vaccine trade has clearly lost its luster.MRNA data by YChartsMany discount investors are, of course, mulling purchases of these beaten-down names. Why pay full price when you can buy a stock on sale?Before plowing into any of these stocks -- or any of the S&P 500's other big January losers, for that matter -- take a step back and inspect your true motivation. Just because a ticker has lost a massive amount of value in a short period of time doesn't inherently mean it's ripe for a rapid recovery.The sell-offs make some senseTake Moderna as an example. While it was one of the most ballyhooed names in the race to create a COVID-19 vaccine, shares of the drugmaker overstepped their sustainable, justifiable long-term value in 2020 and 2021. With the initially created vaccines not quite as effective as hoped at curbing the spread of the omicron variant -- and even less effective against the new omicron subvariant -- the world is losing interest in what increasingly looks like a never-ending chase for immunity. Denmark and England have essentially dropped all pandemic-related restrictions.Support for vaccine mandates is withering anyway. The U.S. Supreme Court ruled against the White House's effort to force all large companies to impose their own vaccination mandates on employees. Even without that ruling, many companies, including Boeing and Starbucks, were canceling their mandate policies.Simply put, the world's losing interest in continuing to fight a coronavirus contagion that's already raced out of control.Image source: Getty Images.Netflix is in a different but comparable situation. While plenty of supporters and shareholders see the recent subscriber growth lull as a temporary headwind linked to strong growth during the early days of the pandemic, that view overlooks a critical detail. That is, Netflix's biggest and best competition surfaced right before and during the rise of the coronavirus contagion.The specifics: Walt Disney's Disney+ debuted in November of 2019, a month before COVID-19 was first detected in China. WarnerMedia's HBO Max launched in May of 2020. Discovery made Discovery+ available in early 2021, and it is already serving 20 million paying subscribers. ViacomCBS ramped up its streaming efforts in the middle of the pandemic as well. Its Pluto TV platform now serves 54.4 million viewers, doubling its headcount as of early 2020. Its total number of premium streaming subscribers also more than doubled during that period.This isn't to suggest Netflix is doomed. It's still the most compelling brand in the streaming business. The recent streak of disappointing subscriber growth, however, may reflect an increasingly crowded market more than tougher comps. The former is a more permanent challenge.Heed the market's warningJust because a stock's been a poor performer of late doesn't mean it's destined to forever go lower due to demand issues, of course.Take the aforementioned software company EPAM Systems, for instance. The stock's crashed since the end of last year, mostly thanks to an excessive run-up in 2021. The fundamental bullish argument hasn't changed for this growth name, though. Analysts are still calling for 30% sales growth this year, driving comparable earnings growth as a result. Companies still need help moving into the digital world, and EPAM is still well-positioned as the go-to solutions provider.Of the S&P 500's three biggest laggards in January, though, this one is the only one where the sell-off is clearly a mistake.The thing is, this limited number of sharply sold-off stocks that are actually firm buys following their meltdowns is nothing new. There's always more to the story, and more often than not, the market's selling is a reasonable warning that a company is at least worth viewing through a lens of healthy doubt.In simpler terms, big losses don't inherently make a stock a buy, even when that stock is a well-known ticker. Always look at the bigger picture.","news_type":1},"isVote":1,"tweetType":1,"viewCount":492,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9090191343,"gmtCreate":1643108005214,"gmtModify":1676533774539,"author":{"id":"3585055954596184","authorId":"3585055954596184","name":"jhlam80","avatar":"https://static.tigerbbs.com/5a41fd1b8e9a410211181544f9f8e68f","crmLevel":2,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"Good sharing","listText":"Good sharing","text":"Good sharing","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9090191343","repostId":"1179412375","repostType":4,"repost":{"id":"1179412375","pubTimestamp":1643105755,"share":"https://www.laohu8.com/m/news/1179412375?lang=&edition=full","pubTime":"2022-01-25 18:15","market":"us","language":"en","title":"Nvidia Quietly Prepares to Abandon Takeover of Arm","url":"https://stock-news.laohu8.com/highlight/detail?id=1179412375","media":"Bloomberg","summary":"Nvidia Corp.is quietly preparing to abandon its purchase of Arm Ltd.from SoftBank Group Corp.after m","content":"<html><head></head><body><p>Nvidia Corp.is quietly preparing to abandon its purchase of Arm Ltd.from SoftBank Group Corp.after making little to no progress in winning approval for the $40 billion chip deal, according to people familiar with the matter.</p><p>Nvidia has told partners that it doesn’t expect the transaction to close, according to one person, who asked not to be identified because the discussions are private. SoftBank, meanwhile, is stepping up preparations for an Arm initial public offering as an alternative to the Nvidia takeover, another person said.</p><p>The purchase -- poised to become the biggest semiconductor deal in history when it was announced in September 2020 -- has drawn a fierce backlash from regulators and the chip industry, including Arm’s own customers. The U.S. Federal Trade Commission sued to stop the transaction in December, arguing that Nvidia would become too powerful if it gained control over Arm’s chip designs.</p></body></html>","source":"lsy1584095487587","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>Nvidia Quietly Prepares to Abandon Takeover of Arm</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\">\nNvidia Quietly Prepares to Abandon Takeover of Arm\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-01-25 18:15 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.bloomberg.com/news/articles/2022-01-25/nvidia-is-said-to-quietly-prepare-to-abandon-takeover-of-arm?utm_source=google&utm_medium=bd&cmpId=google><strong>Bloomberg</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Nvidia Corp.is quietly preparing to abandon its purchase of Arm Ltd.from SoftBank Group Corp.after making little to no progress in winning approval for the $40 billion chip deal, according to people ...</p>\n\n<a href=\"https://www.bloomberg.com/news/articles/2022-01-25/nvidia-is-said-to-quietly-prepare-to-abandon-takeover-of-arm?utm_source=google&utm_medium=bd&cmpId=google\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"NVDA":"英伟达"},"source_url":"https://www.bloomberg.com/news/articles/2022-01-25/nvidia-is-said-to-quietly-prepare-to-abandon-takeover-of-arm?utm_source=google&utm_medium=bd&cmpId=google","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1179412375","content_text":"Nvidia Corp.is quietly preparing to abandon its purchase of Arm Ltd.from SoftBank Group Corp.after making little to no progress in winning approval for the $40 billion chip deal, according to people familiar with the matter.Nvidia has told partners that it doesn’t expect the transaction to close, according to one person, who asked not to be identified because the discussions are private. SoftBank, meanwhile, is stepping up preparations for an Arm initial public offering as an alternative to the Nvidia takeover, another person said.The purchase -- poised to become the biggest semiconductor deal in history when it was announced in September 2020 -- has drawn a fierce backlash from regulators and the chip industry, including Arm’s own customers. The U.S. Federal Trade Commission sued to stop the transaction in December, arguing that Nvidia would become too powerful if it gained control over Arm’s chip designs.","news_type":1},"isVote":1,"tweetType":1,"viewCount":595,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9009407816,"gmtCreate":1640747062667,"gmtModify":1676533538697,"author":{"id":"3585055954596184","authorId":"3585055954596184","name":"jhlam80","avatar":"https://static.tigerbbs.com/5a41fd1b8e9a410211181544f9f8e68f","crmLevel":2,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"Good sharing","listText":"Good sharing","text":"Good sharing","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9009407816","repostId":"1147732268","repostType":4,"repost":{"id":"1147732268","pubTimestamp":1640743383,"share":"https://www.laohu8.com/m/news/1147732268?lang=&edition=full","pubTime":"2021-12-29 10:03","market":"us","language":"en","title":"TSLA Stock Price Predictions: Why These 2 Analysts Are Increasing Their Targets for Tesla in 2022","url":"https://stock-news.laohu8.com/highlight/detail?id=1147732268","media":"InvestorPlace","summary":"After opening higher by 1.4% on Tuesday, shares of Tesla(NASDAQ:TSLA) have taken a turn. TSLA stock ","content":"<p>After opening higher by 1.4% on Tuesday, shares of&nbsp;<b>Tesla</b>(NASDAQ:<b><u>TSLA</u></b>) have taken a turn. TSLA stock is down 0.5% today, despite a pair of analyst price-target hikes.&nbsp;However, if these price targets come to fruition, today’s action will be a distant memory.</p>\n<p><b>Argus Research</b>upped its target to $1,313 from $1,010.<b>Wedbush’s</b>&nbsp;Dan Ives also raised his price target, upping it to $1,400 from $1,100.</p>\n<p>Ives argues that&nbsp;Tesla’s China business&nbsp;could increase the stock price by another $400 per share in 2022. Furthermore, he estimates that Tesla will deliver between 1.4 million and 1.5 million vehicles next year. However, there could be even more upside.&nbsp;Ives has a bull-case price target of $1,800 per share. If achieved, it would represent about 66% upside in TSLA stock from current levels.</p>\n<p>According to Ives, “Musk &amp; Co. have navigated the chip supply shortages better than any automaker globally over the last six months, which is why Tesla is in a clear position of strength heading into 2022 with an inflection point year ahead.”</p>\n<p>Further, he says there are&nbsp;three main catalysts&nbsp;for a higher stock price this year: “By the end of 2022 Tesla will have the capacity for overall ~2 million units annually from roughly 1 million today … Austin has a clear path to launching its key flagship US factory (and HQ) in early 2022 … [Tesla can] further expand its auto [gross margins] and profitability profile over the next 12 to 18 months.”</p>\n<p>The latest analyst actions aren’t the only bullish calls this month.&nbsp;A few weeks ago, New Street analyst Pierre Ferraguincreased his price target&nbsp;from $1,298 to a Street-high $1,580. The bullish stance comes from high expectations for the company’s Shanghai plant, believing it will turnout 700,000 vehicles annually. Additionally, the analyst believes Tesla will surpass its delivery estimate of 266,000 units in the fourth quarter.</p>\n<p>TSLA Stock This Year</p>\n<p>So far for the year, TSLA stock is up about 53%. While that’s vastly better than&nbsp;<b>Nio</b>(NYSE:<b><u>NIO</u></b>) and several of the newcomers in the EV space, Tesla’s performance lags&nbsp;<b>Ford</b>(NYSE:<b><u>F</u></b>) and&nbsp;<b>Lucid Motors</b>(NASDAQ:<b><u>LCID</u></b>), which are up 137% and 275% on the year, respectively.</p>\n<p>While shares are down slightly on the day now, TSLA stock is still up more than 20% from last week’s low. The rally helped the company regain its $1 trillion market capitalization, by far the largest in the auto sector.</p>","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>TSLA Stock Price Predictions: Why These 2 Analysts Are Increasing Their Targets for Tesla in 2022</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nTSLA Stock Price Predictions: Why These 2 Analysts Are Increasing Their Targets for Tesla in 2022\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-12-29 10:03 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://investorplace.com/2021/12/tsla-stock-price-predictions-why-these-2-analysts-are-increasing-their-targets-for-tesla-in-2022/><strong>InvestorPlace</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>After opening higher by 1.4% on Tuesday, shares of Tesla(NASDAQ:TSLA) have taken a turn. TSLA stock is down 0.5% today, despite a pair of analyst price-target hikes. However, if these price targets ...</p>\n\n<a href=\"https://investorplace.com/2021/12/tsla-stock-price-predictions-why-these-2-analysts-are-increasing-their-targets-for-tesla-in-2022/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"TSLA":"特斯拉"},"source_url":"https://investorplace.com/2021/12/tsla-stock-price-predictions-why-these-2-analysts-are-increasing-their-targets-for-tesla-in-2022/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1147732268","content_text":"After opening higher by 1.4% on Tuesday, shares of Tesla(NASDAQ:TSLA) have taken a turn. TSLA stock is down 0.5% today, despite a pair of analyst price-target hikes. However, if these price targets come to fruition, today’s action will be a distant memory.\nArgus Researchupped its target to $1,313 from $1,010.Wedbush’s Dan Ives also raised his price target, upping it to $1,400 from $1,100.\nIves argues that Tesla’s China business could increase the stock price by another $400 per share in 2022. Furthermore, he estimates that Tesla will deliver between 1.4 million and 1.5 million vehicles next year. However, there could be even more upside. Ives has a bull-case price target of $1,800 per share. If achieved, it would represent about 66% upside in TSLA stock from current levels.\nAccording to Ives, “Musk & Co. have navigated the chip supply shortages better than any automaker globally over the last six months, which is why Tesla is in a clear position of strength heading into 2022 with an inflection point year ahead.”\nFurther, he says there are three main catalysts for a higher stock price this year: “By the end of 2022 Tesla will have the capacity for overall ~2 million units annually from roughly 1 million today … Austin has a clear path to launching its key flagship US factory (and HQ) in early 2022 … [Tesla can] further expand its auto [gross margins] and profitability profile over the next 12 to 18 months.”\nThe latest analyst actions aren’t the only bullish calls this month. A few weeks ago, New Street analyst Pierre Ferraguincreased his price target from $1,298 to a Street-high $1,580. The bullish stance comes from high expectations for the company’s Shanghai plant, believing it will turnout 700,000 vehicles annually. Additionally, the analyst believes Tesla will surpass its delivery estimate of 266,000 units in the fourth quarter.\nTSLA Stock This Year\nSo far for the year, TSLA stock is up about 53%. While that’s vastly better than Nio(NYSE:NIO) and several of the newcomers in the EV space, Tesla’s performance lags Ford(NYSE:F) and Lucid Motors(NASDAQ:LCID), which are up 137% and 275% on the year, respectively.\nWhile shares are down slightly on the day now, TSLA stock is still up more than 20% from last week’s low. The rally helped the company regain its $1 trillion market capitalization, by far the largest in the auto sector.","news_type":1},"isVote":1,"tweetType":1,"viewCount":513,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9009229829,"gmtCreate":1640699279805,"gmtModify":1676533534797,"author":{"id":"3585055954596184","authorId":"3585055954596184","name":"jhlam80","avatar":"https://static.tigerbbs.com/5a41fd1b8e9a410211181544f9f8e68f","crmLevel":2,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"Good","listText":"Good","text":"Good","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9009229829","repostId":"1138246031","repostType":4,"isVote":1,"tweetType":1,"viewCount":444,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":836158849,"gmtCreate":1629466852481,"gmtModify":1676530050342,"author":{"id":"3585055954596184","authorId":"3585055954596184","name":"jhlam80","avatar":"https://static.tigerbbs.com/5a41fd1b8e9a410211181544f9f8e68f","crmLevel":2,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/MOSY\">$MoSys(MOSY)$</a>Up","listText":"<a href=\"https://laohu8.com/S/MOSY\">$MoSys(MOSY)$</a>Up","text":"$MoSys(MOSY)$Up","images":[{"img":"https://static.tigerbbs.com/dcc0d0a4a0034a520522d05f6b9f9442","width":"1125","height":"1949"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":1,"repostSize":0,"link":"https://ttm.financial/post/836158849","isVote":1,"tweetType":1,"viewCount":663,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0}],"hots":[{"id":836158849,"gmtCreate":1629466852481,"gmtModify":1676530050342,"author":{"id":"3585055954596184","authorId":"3585055954596184","name":"jhlam80","avatar":"https://static.tigerbbs.com/5a41fd1b8e9a410211181544f9f8e68f","crmLevel":2,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/MOSY\">$MoSys(MOSY)$</a>Up","listText":"<a href=\"https://laohu8.com/S/MOSY\">$MoSys(MOSY)$</a>Up","text":"$MoSys(MOSY)$Up","images":[{"img":"https://static.tigerbbs.com/dcc0d0a4a0034a520522d05f6b9f9442","width":"1125","height":"1949"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":1,"repostSize":0,"link":"https://ttm.financial/post/836158849","isVote":1,"tweetType":1,"viewCount":663,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":9034825771,"gmtCreate":1647859936189,"gmtModify":1676534272564,"author":{"id":"3585055954596184","authorId":"3585055954596184","name":"jhlam80","avatar":"https://static.tigerbbs.com/5a41fd1b8e9a410211181544f9f8e68f","crmLevel":2,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"Good sharing","listText":"Good sharing","text":"Good sharing","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":4,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9034825771","repostId":"1163374302","repostType":4,"isVote":1,"tweetType":1,"viewCount":448,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9013237309,"gmtCreate":1648733868099,"gmtModify":1676534387687,"author":{"id":"3585055954596184","authorId":"3585055954596184","name":"jhlam80","avatar":"https://static.tigerbbs.com/5a41fd1b8e9a410211181544f9f8e68f","crmLevel":2,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"<a href=\"https://ttm.financial/S/MRK\">$Merck(MRK)$</a>good and steady share","listText":"<a href=\"https://ttm.financial/S/MRK\">$Merck(MRK)$</a>good and steady share","text":"$Merck(MRK)$good and steady share","images":[{"img":"https://community-static.tradeup.com/news/5c89df0b69c070bb7b51e914c2fa5b81","width":"1125","height":"2981"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9013237309","isVote":1,"tweetType":1,"viewCount":246,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":9090191343,"gmtCreate":1643108005214,"gmtModify":1676533774539,"author":{"id":"3585055954596184","authorId":"3585055954596184","name":"jhlam80","avatar":"https://static.tigerbbs.com/5a41fd1b8e9a410211181544f9f8e68f","crmLevel":2,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"Good sharing","listText":"Good sharing","text":"Good sharing","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9090191343","repostId":"1179412375","repostType":4,"isVote":1,"tweetType":1,"viewCount":595,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9009407816,"gmtCreate":1640747062667,"gmtModify":1676533538697,"author":{"id":"3585055954596184","authorId":"3585055954596184","name":"jhlam80","avatar":"https://static.tigerbbs.com/5a41fd1b8e9a410211181544f9f8e68f","crmLevel":2,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"Good sharing","listText":"Good sharing","text":"Good sharing","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9009407816","repostId":"1147732268","repostType":4,"isVote":1,"tweetType":1,"viewCount":513,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9015503239,"gmtCreate":1649501260341,"gmtModify":1676534522275,"author":{"id":"3585055954596184","authorId":"3585055954596184","name":"jhlam80","avatar":"https://static.tigerbbs.com/5a41fd1b8e9a410211181544f9f8e68f","crmLevel":2,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"<a href=\"https://ttm.financial/S/MRK\">$Merck(MRK)$</a>Can Merck break above 100?","listText":"<a href=\"https://ttm.financial/S/MRK\">$Merck(MRK)$</a>Can Merck break above 100?","text":"$Merck(MRK)$Can Merck break above 100?","images":[{"img":"https://community-static.tradeup.com/news/bf148ace327a647c9dad4346c505a4fc","width":"1125","height":"2996"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9015503239","isVote":1,"tweetType":1,"viewCount":362,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":9098167066,"gmtCreate":1644049659473,"gmtModify":1676533886414,"author":{"id":"3585055954596184","authorId":"3585055954596184","name":"jhlam80","avatar":"https://static.tigerbbs.com/5a41fd1b8e9a410211181544f9f8e68f","crmLevel":2,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"Good sharing","listText":"Good sharing","text":"Good sharing","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9098167066","repostId":"2208501310","repostType":4,"isVote":1,"tweetType":1,"viewCount":492,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9009229829,"gmtCreate":1640699279805,"gmtModify":1676533534797,"author":{"id":"3585055954596184","authorId":"3585055954596184","name":"jhlam80","avatar":"https://static.tigerbbs.com/5a41fd1b8e9a410211181544f9f8e68f","crmLevel":2,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"Good","listText":"Good","text":"Good","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9009229829","repostId":"1138246031","repostType":4,"repost":{"id":"1138246031","weMediaInfo":{"introduction":"Providing stock market headlines, business news, financials and earnings ","home_visible":1,"media_name":"Tiger Newspress","id":"1079075236","head_image":"https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba"},"pubTimestamp":1640683578,"share":"https://www.laohu8.com/m/news/1138246031?lang=&edition=full","pubTime":"2021-12-28 17:26","market":"us","language":"en","title":"Novavax shares dropped another 4% in premarket trading","url":"https://stock-news.laohu8.com/highlight/detail?id=1138246031","media":"Tiger Newspress","summary":"Novavax shares dropped another 4% in premarket trading.The stock plunged nearly 11% yesterday.\n\nWhy ","content":"<p>Novavax shares dropped another 4% in premarket trading.The stock plunged&nbsp;nearly 11% yesterday.</p>\n<p><img src=\"https://static.tigerbbs.com/04a11fff9a31214bbcf7595183a5d305\" tg-width=\"843\" tg-height=\"618\" referrerpolicy=\"no-referrer\"></p>\n<p><b>Why Novavax Stock Is Sinking</b></p>\n<p>The company didn't announce any new developments. So what's behind the big decline?</p>\n<p>Other&nbsp;vaccine stocks&nbsp;aren't falling nearly as much. Some were even up a little. That rules out the likelihood that declining concerns about the omicron variant played a major factor behind Novavax's drop.</p>\n<p>Instead, investors are probably growing more anxious about Novavax's planned filing for U.S. Emergency Use Authorization (EUA) of it COVID-19 vaccine NVX-CoV2373. Some investors could also be worried about the quality of Novavax's submission to the Food and Drug Administration (FDA) even if it doesn't experience another delay with the filing.</p>\n<p>CEO Stanley Erck's interview with Yahoo! Finance Live last Thursday likely didn't help reassure investors. When asked about when the FDA filing would be done, Erck replied, \"It's probably going to be next week, but I'm sticking with the claim that we'll be doing this by the end of this year.\"</p>\n<p><b>So what</b></p>\n<p>Yet another delay in a U.S. filing for NVX-CoV2373 wouldn't be catastrophic for Novavax as long as the company completes the submission soon in the new year. However, management's credibility would definitely take another big blow.</p>\n<p>But it's premature at this point to speculate that Novavax won't complete the U.S. EUA filing this week. It's also useless to fret about the quality of the company's FDA package. Novavax recently won European Union authorization for NVX-CoV2373. That shows that the vaccine maker can successfully meet regulators' manufacturing-quality hurdles.</p>\n<p><b>Now what</b></p>\n<p>Investors don't like waiting, but that's exactly what they'll have to do for now with Novavax. The company could complete its EUA filing any day now. It could also pick up new authorizations in other countries where it awaits regulatory decisions.</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>Novavax shares dropped another 4% in premarket trading</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\">\nNovavax shares dropped another 4% in premarket trading\n</h2>\n\n<h4 class=\"meta\">\n\n\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1079075236\">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Tiger Newspress </p>\n<p class=\"h-time\">2021-12-28 17:26</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<p>Novavax shares dropped another 4% in premarket trading.The stock plunged&nbsp;nearly 11% yesterday.</p>\n<p><img src=\"https://static.tigerbbs.com/04a11fff9a31214bbcf7595183a5d305\" tg-width=\"843\" tg-height=\"618\" referrerpolicy=\"no-referrer\"></p>\n<p><b>Why Novavax Stock Is Sinking</b></p>\n<p>The company didn't announce any new developments. So what's behind the big decline?</p>\n<p>Other&nbsp;vaccine stocks&nbsp;aren't falling nearly as much. Some were even up a little. That rules out the likelihood that declining concerns about the omicron variant played a major factor behind Novavax's drop.</p>\n<p>Instead, investors are probably growing more anxious about Novavax's planned filing for U.S. Emergency Use Authorization (EUA) of it COVID-19 vaccine NVX-CoV2373. Some investors could also be worried about the quality of Novavax's submission to the Food and Drug Administration (FDA) even if it doesn't experience another delay with the filing.</p>\n<p>CEO Stanley Erck's interview with Yahoo! Finance Live last Thursday likely didn't help reassure investors. When asked about when the FDA filing would be done, Erck replied, \"It's probably going to be next week, but I'm sticking with the claim that we'll be doing this by the end of this year.\"</p>\n<p><b>So what</b></p>\n<p>Yet another delay in a U.S. filing for NVX-CoV2373 wouldn't be catastrophic for Novavax as long as the company completes the submission soon in the new year. However, management's credibility would definitely take another big blow.</p>\n<p>But it's premature at this point to speculate that Novavax won't complete the U.S. EUA filing this week. It's also useless to fret about the quality of the company's FDA package. Novavax recently won European Union authorization for NVX-CoV2373. That shows that the vaccine maker can successfully meet regulators' manufacturing-quality hurdles.</p>\n<p><b>Now what</b></p>\n<p>Investors don't like waiting, but that's exactly what they'll have to do for now with Novavax. The company could complete its EUA filing any day now. It could also pick up new authorizations in other countries where it awaits regulatory decisions.</p>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"NVAX":"诺瓦瓦克斯医药"},"is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1138246031","content_text":"Novavax shares dropped another 4% in premarket trading.The stock plunged nearly 11% yesterday.\n\nWhy Novavax Stock Is Sinking\nThe company didn't announce any new developments. So what's behind the big decline?\nOther vaccine stocks aren't falling nearly as much. Some were even up a little. That rules out the likelihood that declining concerns about the omicron variant played a major factor behind Novavax's drop.\nInstead, investors are probably growing more anxious about Novavax's planned filing for U.S. Emergency Use Authorization (EUA) of it COVID-19 vaccine NVX-CoV2373. Some investors could also be worried about the quality of Novavax's submission to the Food and Drug Administration (FDA) even if it doesn't experience another delay with the filing.\nCEO Stanley Erck's interview with Yahoo! Finance Live last Thursday likely didn't help reassure investors. When asked about when the FDA filing would be done, Erck replied, \"It's probably going to be next week, but I'm sticking with the claim that we'll be doing this by the end of this year.\"\nSo what\nYet another delay in a U.S. filing for NVX-CoV2373 wouldn't be catastrophic for Novavax as long as the company completes the submission soon in the new year. However, management's credibility would definitely take another big blow.\nBut it's premature at this point to speculate that Novavax won't complete the U.S. EUA filing this week. It's also useless to fret about the quality of the company's FDA package. Novavax recently won European Union authorization for NVX-CoV2373. That shows that the vaccine maker can successfully meet regulators' manufacturing-quality hurdles.\nNow what\nInvestors don't like waiting, but that's exactly what they'll have to do for now with Novavax. The company could complete its EUA filing any day now. It could also pick up new authorizations in other countries where it awaits regulatory decisions.","news_type":1},"isVote":1,"tweetType":1,"viewCount":444,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9046625372,"gmtCreate":1656342420096,"gmtModify":1676535809864,"author":{"id":"3585055954596184","authorId":"3585055954596184","name":"jhlam80","avatar":"https://static.tigerbbs.com/5a41fd1b8e9a410211181544f9f8e68f","crmLevel":2,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"Great article","listText":"Great article","text":"Great article","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9046625372","repostId":"9048520571","repostType":1,"repost":{"id":9048520571,"gmtCreate":1656226205893,"gmtModify":1676535789108,"author":{"id":"3575091423649914","authorId":"3575091423649914","name":"diggydog","avatar":"https://community-static.tradeup.com/news/476e481044aa54d1d955e8bc4b856dd4","crmLevel":7,"crmLevelSwitch":0,"followedFlag":false},"themes":[],"title":"Seth Klarman Best Investing Qoutes","htmlText":"Seth KlarmanSeth Klarman is the chief executive and portfolio manager of the Baupost Group. He is a proponent of value investing, nicknamed the \"Oracle of Boston\" for his similar approach to Warren Buffett.Here are Klarman's quotes from the recent interview with Harvard Business School.1. \"Our approach is, 'Let's look a mile wide, let's look at everything that we can possibly figure out.' Then we find something that seems like it might be a bargain, an inefficient pricing, and we go a mile deep.\"2. \"We look between the silos. We look for cracks, we look for things leaking out, and we look for things that can't be easily siloed. There are fewer competitors in those, and if I love one thing, it's the lack of competition.\"3. \"When you just know a certain kind of company, or you only know 20 s","listText":"Seth KlarmanSeth Klarman is the chief executive and portfolio manager of the Baupost Group. He is a proponent of value investing, nicknamed the \"Oracle of Boston\" for his similar approach to Warren Buffett.Here are Klarman's quotes from the recent interview with Harvard Business School.1. \"Our approach is, 'Let's look a mile wide, let's look at everything that we can possibly figure out.' Then we find something that seems like it might be a bargain, an inefficient pricing, and we go a mile deep.\"2. \"We look between the silos. We look for cracks, we look for things leaking out, and we look for things that can't be easily siloed. There are fewer competitors in those, and if I love one thing, it's the lack of competition.\"3. \"When you just know a certain kind of company, or you only know 20 s","text":"Seth KlarmanSeth Klarman is the chief executive and portfolio manager of the Baupost Group. He is a proponent of value investing, nicknamed the \"Oracle of Boston\" for his similar approach to Warren Buffett.Here are Klarman's quotes from the recent interview with Harvard Business School.1. \"Our approach is, 'Let's look a mile wide, let's look at everything that we can possibly figure out.' Then we find something that seems like it might be a bargain, an inefficient pricing, and we go a mile deep.\"2. \"We look between the silos. We look for cracks, we look for things leaking out, and we look for things that can't be easily siloed. There are fewer competitors in those, and if I love one thing, it's the lack of competition.\"3. \"When you just know a certain kind of company, or you only know 20 s","images":[{"img":"https://community-static.tradeup.com/news/f5663ba89c35a26524527d1e3ca9e7a7","width":"632","height":"356"}],"top":1,"highlighted":2,"essential":2,"paper":2,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9048520571","isVote":1,"tweetType":1,"viewCount":0,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},"isVote":1,"tweetType":1,"viewCount":276,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9046626624,"gmtCreate":1656342221068,"gmtModify":1676535809824,"author":{"id":"3585055954596184","authorId":"3585055954596184","name":"jhlam80","avatar":"https://static.tigerbbs.com/5a41fd1b8e9a410211181544f9f8e68f","crmLevel":2,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"Good","listText":"Good","text":"Good","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9046626624","repostId":"9041590861","repostType":1,"repost":{"id":9041590861,"gmtCreate":1656067865053,"gmtModify":1676535762071,"author":{"id":"4113409820866582","authorId":"4113409820866582","name":"Elliottwave_Forecast","avatar":"https://community-static.tradeup.com/news/c00ab1fc45e212abf00117a41ad8354f","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false},"themes":[],"title":"USDNOK – Dollar remains strong","htmlText":"USDNOK – Dollar remains strongJune 23, 2022ByEWFZorraysWe have been pretty bullish on the Dollar throughout the year and I believe Dollar has more strength to come.Recently, we recently posted a trade idea on USDNOK as we saw the market was correcting in a 3 or 7 swing structure and we took advantage of this.Lets have a look at a before short21st June 2022 – 1 Hour TimeframeWe can see that wave 2 was correcting as a Zigzag and our entry is based on wave ((c)) = ((a)) from the extreme of wave ((b)). Therefore, our entry was at 9.87 and the invalidation for the trade was at 1.618% extension at 9.75.The above screenshot shows that this trade was already triggered as it reached into the bluebox zone but we still had projected wave (iv) and (v) to complete this 5 wave sequence into wave ((c)) o","listText":"USDNOK – Dollar remains strongJune 23, 2022ByEWFZorraysWe have been pretty bullish on the Dollar throughout the year and I believe Dollar has more strength to come.Recently, we recently posted a trade idea on USDNOK as we saw the market was correcting in a 3 or 7 swing structure and we took advantage of this.Lets have a look at a before short21st June 2022 – 1 Hour TimeframeWe can see that wave 2 was correcting as a Zigzag and our entry is based on wave ((c)) = ((a)) from the extreme of wave ((b)). Therefore, our entry was at 9.87 and the invalidation for the trade was at 1.618% extension at 9.75.The above screenshot shows that this trade was already triggered as it reached into the bluebox zone but we still had projected wave (iv) and (v) to complete this 5 wave sequence into wave ((c)) o","text":"USDNOK – Dollar remains strongJune 23, 2022ByEWFZorraysWe have been pretty bullish on the Dollar throughout the year and I believe Dollar has more strength to come.Recently, we recently posted a trade idea on USDNOK as we saw the market was correcting in a 3 or 7 swing structure and we took advantage of this.Lets have a look at a before short21st June 2022 – 1 Hour TimeframeWe can see that wave 2 was correcting as a Zigzag and our entry is based on wave ((c)) = ((a)) from the extreme of wave ((b)). Therefore, our entry was at 9.87 and the invalidation for the trade was at 1.618% extension at 9.75.The above screenshot shows that this trade was already triggered as it reached into the bluebox zone but we still had projected wave (iv) and (v) to complete this 5 wave sequence into wave ((c)) o","images":[{"img":"https://community-static.tradeup.com/news/87e0f02f0eda2d6181c33724e70afa04","width":"632","height":"315"}],"top":1,"highlighted":2,"essential":2,"paper":2,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9041590861","isVote":1,"tweetType":1,"viewCount":0,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":2,"langContent":"EN","totalScore":0},"isVote":1,"tweetType":1,"viewCount":282,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9050860419,"gmtCreate":1654170015431,"gmtModify":1676535405968,"author":{"id":"3585055954596184","authorId":"3585055954596184","name":"jhlam80","avatar":"https://static.tigerbbs.com/5a41fd1b8e9a410211181544f9f8e68f","crmLevel":2,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"Ok","listText":"Ok","text":"Ok","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9050860419","repostId":"9050813947","repostType":1,"repost":{"id":9050813947,"gmtCreate":1654166028267,"gmtModify":1676535405467,"author":{"id":"9000000000000712","authorId":"9000000000000712","name":"AndreaClarissa","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false},"themes":[],"title":"Is Meta Platforms Stock a Buy Now?","htmlText":"The social media giant turned metaverse business is grappling with a myriad of headwinds that have crushed its stock price.Meta Platforms(FB&nbsp;<a href=\"https://laohu8.com/S/FB\">$Meta Platforms, Inc.(FB)$</a> )stock is facing several challenges. The Federal Reserve has started raising interest rates to counter rising inflation, a move that hurts growth stocks more than average. Additionally, Meta faces headwinds from&nbsp;Apple's(AAPL-0.09%)privacy changes and increasing competition. Finally, rising competition from ByteDance's Tiktok and other social media sites is slowing user growth and engagement.The forces mentioned above have combined toreduced Meta's stock priceby 50% off its highs hit in September 2021. At a much lower price, this social media giant is now attracting value-consci","listText":"The social media giant turned metaverse business is grappling with a myriad of headwinds that have crushed its stock price.Meta Platforms(FB&nbsp;<a href=\"https://laohu8.com/S/FB\">$Meta Platforms, Inc.(FB)$</a> )stock is facing several challenges. The Federal Reserve has started raising interest rates to counter rising inflation, a move that hurts growth stocks more than average. Additionally, Meta faces headwinds from&nbsp;Apple's(AAPL-0.09%)privacy changes and increasing competition. Finally, rising competition from ByteDance's Tiktok and other social media sites is slowing user growth and engagement.The forces mentioned above have combined toreduced Meta's stock priceby 50% off its highs hit in September 2021. At a much lower price, this social media giant is now attracting value-consci","text":"The social media giant turned metaverse business is grappling with a myriad of headwinds that have crushed its stock price.Meta Platforms(FB $Meta Platforms, Inc.(FB)$ )stock is facing several challenges. The Federal Reserve has started raising interest rates to counter rising inflation, a move that hurts growth stocks more than average. Additionally, Meta faces headwinds from Apple's(AAPL-0.09%)privacy changes and increasing competition. Finally, rising competition from ByteDance's Tiktok and other social media sites is slowing user growth and engagement.The forces mentioned above have combined toreduced Meta's stock priceby 50% off its highs hit in September 2021. At a much lower price, this social media giant is now attracting value-consci","images":[{"img":"https://community-static.tradeup.com/news/3ba1f7a9bc5e28af819f77b19de8a3d4","width":"720","height":"433"},{"img":"https://community-static.tradeup.com/news/a409407cad6864b1a8532d7a1c9906b1","width":"-1","height":"-1"},{"img":"https://community-static.tradeup.com/news/125bd6a77465775c210cac70b0deebd0","width":"-1","height":"-1"}],"top":1,"highlighted":2,"essential":1,"paper":2,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9050813947","isVote":1,"tweetType":1,"viewCount":0,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":3,"langContent":"EN","totalScore":0},"isVote":1,"tweetType":1,"viewCount":297,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9061766309,"gmtCreate":1651678842075,"gmtModify":1676534947906,"author":{"id":"3585055954596184","authorId":"3585055954596184","name":"jhlam80","avatar":"https://static.tigerbbs.com/5a41fd1b8e9a410211181544f9f8e68f","crmLevel":2,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"Good sharing&nbsp;","listText":"Good sharing&nbsp;","text":"Good sharing","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9061766309","repostId":"2228528119","repostType":2,"repost":{"id":"2228528119","pubTimestamp":1650314013,"share":"https://www.laohu8.com/m/news/2228528119?lang=&edition=full","pubTime":"2022-04-19 04:33","market":"us","language":"en","title":"Nu Holdings: Strong Buy For Long-Term Compounder With 70% Upside","url":"https://stock-news.laohu8.com/highlight/detail?id=2228528119","media":"seekingalpha","summary":"imaginima/iStock via Getty Images When Nu Holdings Ltd. (NYSE:NU) first listed in December of 2021, ","content":"<html><body><p><figure><picture><img height=\"1536px\" src=\"https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1332002332/image_1332002332.jpg?io=getty-c-w750\" srcset=\"https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1332002332/image_1332002332.jpg?io=getty-c-w1536 1536w, https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1332002332/image_1332002332.jpg?io=getty-c-w1280 1280w, https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1332002332/image_1332002332.jpg?io=getty-c-w1080 1080w, https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1332002332/image_1332002332.jpg?io=getty-c-w750 750w, https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1332002332/image_1332002332.jpg?io=getty-c-w640 640w, https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1332002332/image_1332002332.jpg?io=getty-c-w480 480w, https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1332002332/image_1332002332.jpg?io=getty-c-w320 320w, https://static.seekingalpha.com/cdn/s3/uploads/getty_images/1332002332/image_1332002332.jpg?io=getty-c-w240 240w\" width=\"1536px\"/></picture><figcaption><p>imaginima/iStock via Getty Images</p></figcaption></figure></p> <p>When <a href=\"https://laohu8.com/S/NU\">Nu Holdings Ltd.</a> (<span>NYSE:NU</span>) first listed in December of 2021, I noticed that the group of investors that were investing in Nu was of a rather high quality. High caliber, long-term investors. Of course, amongst them was Warren Buffett's Berkshire Hathaway<span>. As such, I decided to do a fundamental deep dive into the company to find out what it is about, and why is it that these institutional investors are putting money into Nu.</span></p> <h2>Investment thesis</h2> <p>I am initiating Nu Holdings with a strong buy rating based on the following investment thesis:</p> <ol> <li>Nu is disrupting the financial services sector in Latin America (\"LatAm\"), providing a strong value add to customers and SMEs (small and medium enterprises) that have fallen through the cracks as traditional banks do not service them at all or do not service them well. This provides a huge market opportunity for Nu that is for the taking, providing a long-run growth opportunity for Nu.</li> <li>Nu is currently <a href=\"https://laohu8.com/S/AONE.U\">one</a> of the world's largest digital banking platforms, but it is one that is still growing its customer base very quickly at a low customer acquisition cost. It has among the highest customer satisfaction and engagement in the industry.</li> <li>Nu is one of the rare high-growth fintech companies that have the ability as well as visibility to achieve profitability as it scales up its customer base, grows ARPAU, and reduces the costs associated with the business. There is compelling evidence that there are incremental improvements.</li> <li>Nu's strong credit portfolio growth, including its credit card and personal loans business, comes with strong credit quality despite the huge growth in volumes. In addition, management is prudent in ensuring a proactive coverage ratio over 90+ NPL to ensure high stability and liquidity in the business across different market cycles.</li> </ol> <p>With that, my target price for Nu, as elaborated below, is $12, implying a 70% upside potential from current levels.</p> <h2>Overview</h2> <p>In 2013, due to his frustration with the banking services he experienced in Brazil, David Vélez, co-founder and CEO of Nu Holdings, decided to partner with Cristina Junqueira and Edward Wible to co-found Nubank. The goal: tackling complexity while empowering people.</p> <p>About a year later, in 2014, it launched its first product, Nubank credit card. As can be seen in the picture below, Nu has since added many new products and services and also expanded into the Mexican and Colombian markets. More importantly, as a testament to Nu's goal, it has seen some serious traction in customer growth, to about 53.9 million customers, including both consumers and SMEs.</p> <p><figure><picture><span><img height=\"517\" hspace=\"6\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2022/4/17/55407818-16502452833046856.png\" vspace=\"6\" width=\"640\"/></span></picture><figcaption><p>Growth of Nu Holdings over the years (Nu PPT)</p></figcaption></figure></p> <h2>Huge market opportunity for disruption in LatAm's financial services sector</h2> <p>Nu's core markets are in Brazil, Mexico and Columbia, which make up 60% of the LatAm's GDP. Within these markets, the proportion of young customers below 30 years old, the age group growing up in the world of fintech, is between 44% to 51%. In addition, the proportion of unbanked consumers that have been left to fall through the cracks in the traditional financial services sector represents somewhere between 30% to 65% of the population.</p> <p>In addition, consumers without credit cards make up between 73% and 90% of these markets. As such, I think that there is no doubt that Nu could bridge the gap and provide these underserved or even unserved populations in LatAm with the financial services that they need.</p> <p><figure><picture><span><img height=\"333\" hspace=\"6\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2022/4/18/55407818-16502548885378609.png\" vspace=\"6\" width=\"640\"/></span></picture><figcaption><p>Disruption opportunity in LatAm financial services (Nu PPT)</p></figcaption></figure></p> <p>As such, there is an addressable market of $126 billion in the retail financial services sector in Brazil, while its core markets of Brazil, Mexico, and Colombia has an addressable market of $177 billion. This will be where Nu will be focusing its expansion efforts on. The addressable market in LatAm for retail financial services and marketplace makes up $269 billion in an expanded market outlook.</p> <h2>A customer base that is growing and engaged</h2> <p>Nu ended 2021 with a record 53.9 million customers, both consumers and SMEs. Of these, 41.1 million are monthly active customers.</p> <p>As highlighted earlier, based on Nu's 4Q21 results, it reported a record number of 53.9 million customers, both comprising of consumers and SMEs.</p> <p>To break it down further, we see that its core market of Brazil continues to grow decently, with 58% growth in customer growth year-on-year, to 52.4 million customers based on its 4Q21 results. Based on Brazil's adult population of approximately 168 million people, this means that about 30% of the country's adult population currently are Nu's customers. The implication of this to me is that there is still a significant runway for customer growth in Brazil despite the exponential growth in customers since 2014.</p> <p>Furthermore, as reported by Nu, over 55% of these monthly active customers with at least a year of being a Nu customer have actually made Nu their primary banking account. This is huge for Nu.</p> <p>In its other markets, Nu has also seen stellar customer growth. Nu Mexico customers as of 4Q21 were 1.4 million customers, which was up 1243% year over year. Based on an earlier 2Q21 Nu Mexico results, it showed that Nu was already the second-largest issuer of new credit cards in Mexico. As such, with the strong showing in customer growth in Mexico in 4Q21, Nu management said that this might suggest that as of 4Q21, it has already achieved the status of being the largest issuer of new credit cards in Mexico.</p> <p>In Colombia, Nu reached 114,000 customers only 15 months after launching in the country.</p> <p>To evaluate the quality of its customer base, we look towards Nu's Net Promoter Score (NPS). In fact, Nu just reported in its 4Q21 results that it has achieved NPS levels of at least 90 for the markets it operates in, Brazil, Mexico and Colombia. NPS, to me, is regarded as the gold standard metric for evaluating and measuring customer experience. It measures the loyalty of customers to a particular company. With a maximum score of 100, the higher the score, the higher the quality of customer experience that was achieved.</p> <p>For Nu to achieve a score of 90 is a remarkable feat in my view and demonstrates the very positive customer experience it brings relative to traditional banking experiences. More importantly, with a score of 90, this implies that Nu's customers are loyal and likely to be promoters of the company who will continue to use the products and services offered by Nu and even refer it to others.</p> <h2>A business model poised for substantial earnings generation</h2> <p>As with all high-growth fintech companies these days, the ability to make the business a profitable one, or at least the visibility of it, is crucial. Without any ability to generate profits, these high-growth companies are in effect cash burning machines that might likely question the going concern assumptions of most financial models in the future. As such, I place a strong emphasis on earnings ability. If a high-growth company shows that it is capable of achieving this, it should be deserving of a premium on its valuations.</p> <p>Nu's strategy to profitability is rather straightforward. To achieve substantial earnings power, it will need to grow its revenues whilst reducing its costs. To increase its revenues, this comes from growing active customers and also increasing the Average Revenue Per Active Customer (ARPAC). To decrease its costs, Nu focuses on lowering the cost to serve, and thus, ultimately operates a low-cost platform.</p> <p><figure><picture><span><img height=\"193\" hspace=\"6\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2022/4/17/55407818-16502488266733503.png\" vspace=\"6\" width=\"640\"/></span></picture><figcaption><p>Nu's business model to generate substantial earnings power (Nu PPT)</p></figcaption></figure></p> <h2>Active customer and ARPAC growth</h2> <p>Nu's customer growth has been excellent over the past 4 years, with a 108% CAGR over the period. Even in the most recent quarter, the 62% growth in customers shows Nu's continued momentum in acquiring new customers.</p> <p><figure><picture><span><img height=\"249\" hspace=\"6\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2022/4/17/55407818-16502491278415027.png\" vspace=\"6\" width=\"640\"/></span></picture><figcaption><p>Nu's strong customer acquisition momentum (Nu PPT)</p></figcaption></figure></p> <p>In addition, we can see that Nu is successful in increasing monthly ARPAC for each cohort, with the average ARPAC achieving $5.6 per month while the most mature cohorts have achieved about $15 per month. This was largely driven by the increase in products used by each active customer over the years as Nu rolled out more products, like bank accounts in 2017, debit cards in 2018, personal loans in 2019 and NuLife in 2020.</p> <p><figure><picture><img height=\"389\" hspace=\"6\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2022/4/17/55407818-1650252231759648.png\" vspace=\"6\" width=\"347\"/></picture><figcaption><p>Increase in Nu's ARPAC (Nu PPT)</p></figcaption></figure></p> <h2>Lowering costs</h2> <p>Nu's strategy to improve operating leverage and unleashing its operating leverage potential comes from 4 cost advantages it can leverage on:</p> <ol> <li>Low customer acquisition cost</li> <li>Low cost to serve</li> <li>Low cost of risk</li> <li>Low cost of funding</li> </ol> <p>With its NPS of more than 90, Nu has an enviable position of having one of the lowest customer acquisition costs in the industry as most of the customer growth comes organically, through word of mouth. As such, Nu has an advantage over peers in terms of having a lower customer acquisition cost.</p> <p>In addition, Nu has been able to decrease its cost to serve over time. This is evident from its ability to lower the cost of serve per customer by 20% YOY in 4Q21. As such, its operating leverage potential can easily be increased with the increasing customer growth we are seeing in its core markets. Over the longer run, Nu saw its cost to serve per customer drop by 15% CAGR from 2018 to 2021.</p> <p><figure><picture><span><img height=\"250\" hspace=\"6\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2022/4/17/55407818-16502507470472229.png\" vspace=\"6\" width=\"640\"/></span></picture><figcaption><p>Nu's cost to serve continues to decline (Nu PPT)</p></figcaption></figure></p> <p>Lastly, Nu also targets a lower cost of funding and cost of risk. As illustrated below, we can see that the cost of funding and cost of risk has been kept low even as the number of customers and amount of lending has increased.</p> <p><figure><picture><img height=\"397\" hspace=\"6\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2022/4/17/55407818-16502513419289582.png\" vspace=\"6\" width=\"520\"/></picture><figcaption><p>Nu's declining cost of funding and cost of risk (Nu PPT)</p></figcaption></figure></p> <p>Zooming into the cost of risk, we can see that the cost of risk has decreased even as the amount of lending business has increased.</p> <p><figure><picture><img height=\"403\" hspace=\"6\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2022/4/17/55407818-16502515086229303.png\" vspace=\"6\" width=\"519\"/></picture><figcaption><p>Nu's declining cost of risk (Nu PPT)</p></figcaption></figure></p> <h2>Strong growth with an emphasis on strong asset quality</h2> <p>Nu's credit portfolio has grown considerably, at a CAGR of 75% from 2018 to 2021. The large bulk of it comprises of credit card receivables, but personal loans, which was launched in 2019 is increasingly driving the growth of the portfolio as it makes up a larger mix in the credit portfolio.</p> <p><figure><picture><span><img height=\"244\" hspace=\"6\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2022/4/17/55407818-1650253764873422.png\" vspace=\"6\" width=\"640\"/></span></picture><figcaption><p>Strong growth in Nu's credit portfolio (Nu PPT)</p></figcaption></figure></p> <p>That said, there is always the risk that this strong growth in the credit portfolio and personal loans might come at the expense of increasing delinquencies, measured by NPLs. As can be seen by the 90+ NPLs, there is a spread of 1.5% between the market and Nu as of 1Q18, and that spread has been maintained at 1.5% as of 4Q21. This is despite the fact that the credit portfolio has grown from $1,770 million as of Dec-18 to $6,555 million as of Dec-21, as shown above. I look at the 90+ NPL mainly because these are the non-performing loans that are more than 90 days past due and represent loans that are probably unlikely to be collected.</p> <p><figure><picture><span><img height=\"238\" hspace=\"6\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2022/4/17/55407818-16502536762602646.png\" vspace=\"6\" width=\"640\"/></span></picture><figcaption><p>Strong growth not at the expense of asset quality (Nu PPT)</p></figcaption></figure></p> <p>Furthermore, Nu maintains a rather prudent coverage ratio across cycles, in my view. In 1Q18, the coverage ratios over NPL of 90+ was at 126%, while as of 4Q21, this coverage ratio over NPL of 90+ was doubled to 240%. This represents ample prudence to cover for the 90+ NPLs. Similarly, its coverage ratios over its total balance have steadily increased from 6% in 1Q18 to 8% in 4Q21.</p> <p><figure><picture><span><img height=\"240\" hspace=\"6\" loading=\"lazy\" src=\"https://static.seekingalpha.com/uploads/2022/4/17/55407818-16502542473930202.png\" vspace=\"6\" width=\"640\"/></span></picture><figcaption><p>Nu's prudent coverage ratios across cycles (Nu PPT)</p></figcaption></figure></p> <p>As highlighted in the 4Q21 results, management said a higher coverage ratio was warranted given, firstly, how fast the loan portfolio is increasing relative to the credit portfolio, and secondly, the continued normalization of NPLs to the pre-Covid levels. In my opinion, the fact that management is proactive in increasing the coverage ratios over the 90+ NPLs in anticipation for these two issues highlighted above indicates to me that the management takes a calibrated prudent approach to risk and asset quality. This is an important advantage for Nu, in my view, especially across credit cycles.</p> <h2>Valuation</h2> <p>My target price for Nu is $12. This implies a 70% upside to current price levels. This is based on a mix of DCF methodology and comparable-based methodology. Specifically, on the comparable method, this group recently traded between a range of 6x to 12x 2022F revenues, and since Nu's revenue growth is significantly higher than most competitors in the group, and with Nu's ability to be profitable, I think that it warrants a premium in the multiples.</p> <p>Nu is currently trading at 17.9x 2025F P/E, with a growth adjusted P/E ratio, or PEG ratio of 0.24x. In the nearer term, as I expect Nu to turn to profitability in FY2023, the P/E ratio for 2023F and 2024F are 109x and 31x respectively, while EPS growth for 2024F is expected to be around 250%.</p> <h2>Risks</h2> <h3>Brazil macroeconomic environment</h3> <p>Going into the Brazil presidential election this year, there are many uncertainties plaguing the Brazilian macroeconomic environment as the fiscal scenario in Brazil continues to be challenging, along with rising inflation (10% increase in 2022) as well as rising interest rates. A weaker economic environment causes a potential slowdown in growth and/or a worsening of asset quality.</p> <h3>Competition</h3> <p>Competition to Nu comes in several fronts, both from emerging fintech players in Brazil each with advantages in certain segments of the financial industry, while large incumbent banks may also adapt to the new digital environment and create digital platforms that can effectively compete with Nu.</p> <h2>Conclusion</h2> <p>I conclude with a strong buy rating on Nu, with a target price of $12, representing about a 70% upside from current levels. Nu is likely to be a leading fintech in LatAm with a long-term compounding opportunity as it continues to grow. As highlighted, Nu has a large addressable market opportunity in its core markets of Brazil, Mexico and Colombia, a rapidly growing customers base that is highly engaged and satisfied, a business model that is poised for significant earnings potential, and resilient asset quality as it continues to grow its credit portfolio.</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>Nu Holdings: Strong Buy For Long-Term Compounder With 70% Upside</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\">\nNu Holdings: Strong Buy For Long-Term Compounder With 70% Upside\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-04-19 04:33 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://seekingalpha.com/article/4501980-nu-holdings-strong-buy-long-term-compounder-upside><strong>seekingalpha</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>imaginima/iStock via Getty Images When Nu Holdings Ltd. (NYSE:NU) first listed in December of 2021, I noticed that the group of investors that were investing in Nu was of a rather high quality. High ...</p>\n\n<a href=\"https://seekingalpha.com/article/4501980-nu-holdings-strong-buy-long-term-compounder-upside\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"NU":"Nu Holdings Ltd.","BK4207":"综合性银行"},"source_url":"https://seekingalpha.com/article/4501980-nu-holdings-strong-buy-long-term-compounder-upside","is_english":true,"share_image_url":"https://static.laohu8.com/5a36db9d73b4222bc376d24ccc48c8a4","article_id":"2228528119","content_text":"imaginima/iStock via Getty Images When Nu Holdings Ltd. (NYSE:NU) first listed in December of 2021, I noticed that the group of investors that were investing in Nu was of a rather high quality. High caliber, long-term investors. Of course, amongst them was Warren Buffett's Berkshire Hathaway. As such, I decided to do a fundamental deep dive into the company to find out what it is about, and why is it that these institutional investors are putting money into Nu. Investment thesis I am initiating Nu Holdings with a strong buy rating based on the following investment thesis:  Nu is disrupting the financial services sector in Latin America (\"LatAm\"), providing a strong value add to customers and SMEs (small and medium enterprises) that have fallen through the cracks as traditional banks do not service them at all or do not service them well. This provides a huge market opportunity for Nu that is for the taking, providing a long-run growth opportunity for Nu. Nu is currently one of the world's largest digital banking platforms, but it is one that is still growing its customer base very quickly at a low customer acquisition cost. It has among the highest customer satisfaction and engagement in the industry. Nu is one of the rare high-growth fintech companies that have the ability as well as visibility to achieve profitability as it scales up its customer base, grows ARPAU, and reduces the costs associated with the business. There is compelling evidence that there are incremental improvements. Nu's strong credit portfolio growth, including its credit card and personal loans business, comes with strong credit quality despite the huge growth in volumes. In addition, management is prudent in ensuring a proactive coverage ratio over 90+ NPL to ensure high stability and liquidity in the business across different market cycles.  With that, my target price for Nu, as elaborated below, is $12, implying a 70% upside potential from current levels. Overview In 2013, due to his frustration with the banking services he experienced in Brazil, David Vélez, co-founder and CEO of Nu Holdings, decided to partner with Cristina Junqueira and Edward Wible to co-found Nubank. The goal: tackling complexity while empowering people. About a year later, in 2014, it launched its first product, Nubank credit card. As can be seen in the picture below, Nu has since added many new products and services and also expanded into the Mexican and Colombian markets. More importantly, as a testament to Nu's goal, it has seen some serious traction in customer growth, to about 53.9 million customers, including both consumers and SMEs. Growth of Nu Holdings over the years (Nu PPT) Huge market opportunity for disruption in LatAm's financial services sector Nu's core markets are in Brazil, Mexico and Columbia, which make up 60% of the LatAm's GDP. Within these markets, the proportion of young customers below 30 years old, the age group growing up in the world of fintech, is between 44% to 51%. In addition, the proportion of unbanked consumers that have been left to fall through the cracks in the traditional financial services sector represents somewhere between 30% to 65% of the population. In addition, consumers without credit cards make up between 73% and 90% of these markets. As such, I think that there is no doubt that Nu could bridge the gap and provide these underserved or even unserved populations in LatAm with the financial services that they need. Disruption opportunity in LatAm financial services (Nu PPT) As such, there is an addressable market of $126 billion in the retail financial services sector in Brazil, while its core markets of Brazil, Mexico, and Colombia has an addressable market of $177 billion. This will be where Nu will be focusing its expansion efforts on. The addressable market in LatAm for retail financial services and marketplace makes up $269 billion in an expanded market outlook. A customer base that is growing and engaged Nu ended 2021 with a record 53.9 million customers, both consumers and SMEs. Of these, 41.1 million are monthly active customers. As highlighted earlier, based on Nu's 4Q21 results, it reported a record number of 53.9 million customers, both comprising of consumers and SMEs. To break it down further, we see that its core market of Brazil continues to grow decently, with 58% growth in customer growth year-on-year, to 52.4 million customers based on its 4Q21 results. Based on Brazil's adult population of approximately 168 million people, this means that about 30% of the country's adult population currently are Nu's customers. The implication of this to me is that there is still a significant runway for customer growth in Brazil despite the exponential growth in customers since 2014. Furthermore, as reported by Nu, over 55% of these monthly active customers with at least a year of being a Nu customer have actually made Nu their primary banking account. This is huge for Nu. In its other markets, Nu has also seen stellar customer growth. Nu Mexico customers as of 4Q21 were 1.4 million customers, which was up 1243% year over year. Based on an earlier 2Q21 Nu Mexico results, it showed that Nu was already the second-largest issuer of new credit cards in Mexico. As such, with the strong showing in customer growth in Mexico in 4Q21, Nu management said that this might suggest that as of 4Q21, it has already achieved the status of being the largest issuer of new credit cards in Mexico. In Colombia, Nu reached 114,000 customers only 15 months after launching in the country. To evaluate the quality of its customer base, we look towards Nu's Net Promoter Score (NPS). In fact, Nu just reported in its 4Q21 results that it has achieved NPS levels of at least 90 for the markets it operates in, Brazil, Mexico and Colombia. NPS, to me, is regarded as the gold standard metric for evaluating and measuring customer experience. It measures the loyalty of customers to a particular company. With a maximum score of 100, the higher the score, the higher the quality of customer experience that was achieved. For Nu to achieve a score of 90 is a remarkable feat in my view and demonstrates the very positive customer experience it brings relative to traditional banking experiences. More importantly, with a score of 90, this implies that Nu's customers are loyal and likely to be promoters of the company who will continue to use the products and services offered by Nu and even refer it to others. A business model poised for substantial earnings generation As with all high-growth fintech companies these days, the ability to make the business a profitable one, or at least the visibility of it, is crucial. Without any ability to generate profits, these high-growth companies are in effect cash burning machines that might likely question the going concern assumptions of most financial models in the future. As such, I place a strong emphasis on earnings ability. If a high-growth company shows that it is capable of achieving this, it should be deserving of a premium on its valuations. Nu's strategy to profitability is rather straightforward. To achieve substantial earnings power, it will need to grow its revenues whilst reducing its costs. To increase its revenues, this comes from growing active customers and also increasing the Average Revenue Per Active Customer (ARPAC). To decrease its costs, Nu focuses on lowering the cost to serve, and thus, ultimately operates a low-cost platform. Nu's business model to generate substantial earnings power (Nu PPT) Active customer and ARPAC growth Nu's customer growth has been excellent over the past 4 years, with a 108% CAGR over the period. Even in the most recent quarter, the 62% growth in customers shows Nu's continued momentum in acquiring new customers. Nu's strong customer acquisition momentum (Nu PPT) In addition, we can see that Nu is successful in increasing monthly ARPAC for each cohort, with the average ARPAC achieving $5.6 per month while the most mature cohorts have achieved about $15 per month. This was largely driven by the increase in products used by each active customer over the years as Nu rolled out more products, like bank accounts in 2017, debit cards in 2018, personal loans in 2019 and NuLife in 2020. Increase in Nu's ARPAC (Nu PPT) Lowering costs Nu's strategy to improve operating leverage and unleashing its operating leverage potential comes from 4 cost advantages it can leverage on:  Low customer acquisition cost Low cost to serve Low cost of risk Low cost of funding  With its NPS of more than 90, Nu has an enviable position of having one of the lowest customer acquisition costs in the industry as most of the customer growth comes organically, through word of mouth. As such, Nu has an advantage over peers in terms of having a lower customer acquisition cost. In addition, Nu has been able to decrease its cost to serve over time. This is evident from its ability to lower the cost of serve per customer by 20% YOY in 4Q21. As such, its operating leverage potential can easily be increased with the increasing customer growth we are seeing in its core markets. Over the longer run, Nu saw its cost to serve per customer drop by 15% CAGR from 2018 to 2021. Nu's cost to serve continues to decline (Nu PPT) Lastly, Nu also targets a lower cost of funding and cost of risk. As illustrated below, we can see that the cost of funding and cost of risk has been kept low even as the number of customers and amount of lending has increased. Nu's declining cost of funding and cost of risk (Nu PPT) Zooming into the cost of risk, we can see that the cost of risk has decreased even as the amount of lending business has increased. Nu's declining cost of risk (Nu PPT) Strong growth with an emphasis on strong asset quality Nu's credit portfolio has grown considerably, at a CAGR of 75% from 2018 to 2021. The large bulk of it comprises of credit card receivables, but personal loans, which was launched in 2019 is increasingly driving the growth of the portfolio as it makes up a larger mix in the credit portfolio. Strong growth in Nu's credit portfolio (Nu PPT) That said, there is always the risk that this strong growth in the credit portfolio and personal loans might come at the expense of increasing delinquencies, measured by NPLs. As can be seen by the 90+ NPLs, there is a spread of 1.5% between the market and Nu as of 1Q18, and that spread has been maintained at 1.5% as of 4Q21. This is despite the fact that the credit portfolio has grown from $1,770 million as of Dec-18 to $6,555 million as of Dec-21, as shown above. I look at the 90+ NPL mainly because these are the non-performing loans that are more than 90 days past due and represent loans that are probably unlikely to be collected. Strong growth not at the expense of asset quality (Nu PPT) Furthermore, Nu maintains a rather prudent coverage ratio across cycles, in my view. In 1Q18, the coverage ratios over NPL of 90+ was at 126%, while as of 4Q21, this coverage ratio over NPL of 90+ was doubled to 240%. This represents ample prudence to cover for the 90+ NPLs. Similarly, its coverage ratios over its total balance have steadily increased from 6% in 1Q18 to 8% in 4Q21. Nu's prudent coverage ratios across cycles (Nu PPT) As highlighted in the 4Q21 results, management said a higher coverage ratio was warranted given, firstly, how fast the loan portfolio is increasing relative to the credit portfolio, and secondly, the continued normalization of NPLs to the pre-Covid levels. In my opinion, the fact that management is proactive in increasing the coverage ratios over the 90+ NPLs in anticipation for these two issues highlighted above indicates to me that the management takes a calibrated prudent approach to risk and asset quality. This is an important advantage for Nu, in my view, especially across credit cycles. Valuation My target price for Nu is $12. This implies a 70% upside to current price levels. This is based on a mix of DCF methodology and comparable-based methodology. Specifically, on the comparable method, this group recently traded between a range of 6x to 12x 2022F revenues, and since Nu's revenue growth is significantly higher than most competitors in the group, and with Nu's ability to be profitable, I think that it warrants a premium in the multiples. Nu is currently trading at 17.9x 2025F P/E, with a growth adjusted P/E ratio, or PEG ratio of 0.24x. In the nearer term, as I expect Nu to turn to profitability in FY2023, the P/E ratio for 2023F and 2024F are 109x and 31x respectively, while EPS growth for 2024F is expected to be around 250%. Risks Brazil macroeconomic environment Going into the Brazil presidential election this year, there are many uncertainties plaguing the Brazilian macroeconomic environment as the fiscal scenario in Brazil continues to be challenging, along with rising inflation (10% increase in 2022) as well as rising interest rates. A weaker economic environment causes a potential slowdown in growth and/or a worsening of asset quality. Competition Competition to Nu comes in several fronts, both from emerging fintech players in Brazil each with advantages in certain segments of the financial industry, while large incumbent banks may also adapt to the new digital environment and create digital platforms that can effectively compete with Nu. Conclusion I conclude with a strong buy rating on Nu, with a target price of $12, representing about a 70% upside from current levels. Nu is likely to be a leading fintech in LatAm with a long-term compounding opportunity as it continues to grow. As highlighted, Nu has a large addressable market opportunity in its core markets of Brazil, Mexico and Colombia, a rapidly growing customers base that is highly engaged and satisfied, a business model that is poised for significant earnings potential, and resilient asset quality as it continues to grow its credit portfolio.","news_type":1},"isVote":1,"tweetType":1,"viewCount":340,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9022733009,"gmtCreate":1653577812502,"gmtModify":1676535307719,"author":{"id":"3585055954596184","authorId":"3585055954596184","name":"jhlam80","avatar":"https://static.tigerbbs.com/5a41fd1b8e9a410211181544f9f8e68f","crmLevel":2,"crmLevelSwitch":1,"followedFlag":false},"themes":[],"htmlText":"Ok","listText":"Ok","text":"Ok","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9022733009","repostId":"9022704119","repostType":1,"repost":{"id":9022704119,"gmtCreate":1653576662531,"gmtModify":1676535307261,"author":{"id":"4098682592538030","authorId":"4098682592538030","name":"traveleat123","avatar":"https://community-static.tradeup.com/news/97a95205f615c20a20177e08a1f0cd4e","crmLevel":3,"crmLevelSwitch":0,"followedFlag":false},"themes":[],"htmlText":"The electric vehicle (EV) market is gaining strength across the globe, with more EVs on the road than ever before.As more and more investors want in on the party, it can be difficult to determine which stocks will soar like we've seen with Tesla.The possibilities are many, including EV manufacturers, battery makers, lithium producers, and companies that focus on infrastructure.One way to pick the right stock, while also mitigating the risk of picking nothing but the wrong stocks, is to invest in an exchange-traded fund that focuses on the EV market as a whole.Two of the leading ETFs -- by performance that can satisfy the cautious investor are 1)&nbsp;<a href=\"https://ttm.financial/S/DRIV\">$Global X Autonomous &amp; Electric Vehicles ETF(DRIV)$</a>Global X Autonomous &amp; Electric Vehicles","listText":"The electric vehicle (EV) market is gaining strength across the globe, with more EVs on the road than ever before.As more and more investors want in on the party, it can be difficult to determine which stocks will soar like we've seen with Tesla.The possibilities are many, including EV manufacturers, battery makers, lithium producers, and companies that focus on infrastructure.One way to pick the right stock, while also mitigating the risk of picking nothing but the wrong stocks, is to invest in an exchange-traded fund that focuses on the EV market as a whole.Two of the leading ETFs -- by performance that can satisfy the cautious investor are 1)&nbsp;<a href=\"https://ttm.financial/S/DRIV\">$Global X Autonomous &amp; Electric Vehicles ETF(DRIV)$</a>Global X Autonomous &amp; Electric Vehicles","text":"The electric vehicle (EV) market is gaining strength across the globe, with more EVs on the road than ever before.As more and more investors want in on the party, it can be difficult to determine which stocks will soar like we've seen with Tesla.The possibilities are many, including EV manufacturers, battery makers, lithium producers, and companies that focus on infrastructure.One way to pick the right stock, while also mitigating the risk of picking nothing but the wrong stocks, is to invest in an exchange-traded fund that focuses on the EV market as a whole.Two of the leading ETFs -- by performance that can satisfy the cautious investor are 1) $Global X Autonomous & Electric Vehicles ETF(DRIV)$Global X Autonomous & Electric Vehicles","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9022704119","isVote":1,"tweetType":1,"viewCount":0,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},"isVote":1,"tweetType":1,"viewCount":374,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0}],"lives":[]}