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RGuy

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- RGuyRGuy
  ·2024-08-10
  A×“｀，‘￥’”
  Sorry, this post has been deleted
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- RGuyRGuy
  ·2021-09-21
  Hopefully a good run before end this year
  Sorry, this post has been deleted
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- RGuyRGuy
  ·2021-09-19
  $Alibaba(BABA)$hitting support level now, hope it can bounce !
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- RGuyRGuy
  ·2021-09-19
  Go go go
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- RGuyRGuy
  ·2021-09-14
  $Alibaba(BABA)$go go go
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- RGuyRGuy
  ·2021-09-05
  It's cheaper now to enter
  Here's Why This Fintech Could Be a Bargain After Earnings
  This company reported some impressive results, but the stock dropped anyway.
  Here's Why This Fintech Could Be a Bargain After Earnings
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- RGuyRGuy
  ·2021-09-02
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- RGuyRGuy
  ·2021-08-29
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  This Unloved Tech Stock Could Make You Rich One Day
  The iBuying business is a race to grow larger, and Opendoor is winning.The company is growing at a rate that is two years ahead of what management projected just a year earlier.The market is bearish on virtually all SPACs, making Opendoor a bargain that could eventually bring huge returns.Real estate iBuying company Opendoor Technologieshas been executing at a high level in the three quarters since coming public via a special purpose acquisition company merger. In a race to disrupt residential
  This Unloved Tech Stock Could Make You Rich One Day
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- RGuyRGuy
  ·2021-07-02
  Very nice
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- RGuyRGuy
  ·2021-07-01
  Sure buy
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a good run before end this year","listText":"Hopefully a good run before end this year","text":"Hopefully a good run before end this year","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/869374798","repostId":"2167591230","repostType":2,"isVote":1,"tweetType":1,"viewCount":1171,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":887260213,"gmtCreate":1632047008932,"gmtModify":1676530692387,"author":{"id":"3572269600788843","authorId":"3572269600788843","name":"RGuy","avatar":"https://community-static.tradeup.com/news/a86ba936ebd52ac47d37b671081dfc49","crmLevel":6,"crmLevelSwitch":1,"followedFlag":false,"idStr":"3572269600788843","authorIdStr":"3572269600788843"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/BABA\">$Alibaba(BABA)$</a>hitting support level now, hope it can bounce !","listText":"<a href=\"https://laohu8.com/S/BABA\">$Alibaba(BABA)$</a>hitting support level now, hope it can bounce !","text":"$Alibaba(BABA)$hitting support level now, hope it can bounce !","images":[{"img":"https://static.tigerbbs.com/48b6808e2175634d95590a9b56cbb997","width":"1080","height":"3355"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/887260213","isVote":1,"tweetType":1,"viewCount":955,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":887285835,"gmtCreate":1632046202827,"gmtModify":1676530692338,"author":{"id":"3572269600788843","authorId":"3572269600788843","name":"RGuy","avatar":"https://community-static.tradeup.com/news/a86ba936ebd52ac47d37b671081dfc49","crmLevel":6,"crmLevelSwitch":1,"followedFlag":false,"idStr":"3572269600788843","authorIdStr":"3572269600788843"},"themes":[],"htmlText":"Go go go","listText":"Go go go","text":"Go go go","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/887285835","repostId":"1131470509","repostType":2,"isVote":1,"tweetType":1,"viewCount":1061,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":886773395,"gmtCreate":1631628411217,"gmtModify":1676530594339,"author":{"id":"3572269600788843","authorId":"3572269600788843","name":"RGuy","avatar":"https://community-static.tradeup.com/news/a86ba936ebd52ac47d37b671081dfc49","crmLevel":6,"crmLevelSwitch":1,"followedFlag":false,"idStr":"3572269600788843","authorIdStr":"3572269600788843"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/BABA\">$Alibaba(BABA)$</a>go go go","listText":"<a href=\"https://laohu8.com/S/BABA\">$Alibaba(BABA)$</a>go go go","text":"$Alibaba(BABA)$go go go","images":[{"img":"https://static.tigerbbs.com/e38872d55f0d533700b8bc77972de007","width":"1080","height":"1920"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/886773395","isVote":1,"tweetType":1,"viewCount":1133,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":814735199,"gmtCreate":1630884770111,"gmtModify":1676530409680,"author":{"id":"3572269600788843","authorId":"3572269600788843","name":"RGuy","avatar":"https://community-static.tradeup.com/news/a86ba936ebd52ac47d37b671081dfc49","crmLevel":6,"crmLevelSwitch":1,"followedFlag":false,"idStr":"3572269600788843","authorIdStr":"3572269600788843"},"themes":[],"htmlText":"It's cheaper now to enter","listText":"It's cheaper now to enter","text":"It's cheaper now to enter","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/814735199","repostId":"2163859252","repostType":2,"repost":{"id":"2163859252","kind":"highlight","pubTimestamp":1630407600,"share":"https://ttm.financial/m/news/2163859252?lang=&edition=full_marsco","pubTime":"2021-08-31 19:00","market":"us","language":"en","title":"Here's Why This Fintech Could Be a Bargain After Earnings","url":"https://stock-news.laohu8.com/highlight/detail?id=2163859252","media":"Motley Fool","summary":"This company reported some impressive results, but the stock dropped anyway.","content":"<p>Fintech disruptor <b>SoFi</b> (NASDAQ:SOFI) recently reported its first quarterly results since completing its merger through a special-purpose acquisition company, and most of the numbers look extremely impressive. However, the stock is significantly down since the report and is about 50% off its all-time highs. In this <i>Fool Live</i> video clip,&nbsp;<b>recorded on Aug. 19</b>, Fool.com contributor Matt Frankel, CFP, discusses why he's a big believer in this innovative financial company.</p>\n<p><b>Matt Frankel: </b>First, we'll start with the bad before we get into what's on your screen right now. We'll start with the bad news. SoFi, the stock, sold off. If you're a shareholder of SoFi, you already know that the stock is down about 20% since earnings in the past weeks. The battery reaction was due to a couple of factors. First, it posted a much wider loss than analysts had been expecting. No <a href=\"https://laohu8.com/S/AONE.U\">one</a> expected SoFi to be profitable, but a loss of $0.48 per share on a roughly $15 stock is pretty big loss -- $0.48-per-share loss versus a $0.06 loss per share that was expected.</p>\n<p>A lot of investors had expected SoFi to raise its guidance for the year based on all these positive numbers that I'm about to talk about. They just maintain their guidance. I mean, a negative catalyst is the extension of the student loan pause. That's just not really helping their business at all. They cited that as the reason they kept their guidance flat, even though there are private lender, it had some trickle-down effects. That's why the shares sold off. But if you are a long-term investor and can ride out the ups and downs, here's a few reasons why you might want to pay attention.</p>\n<p>Number one, what you are looking at is member growth. These are how many people are registered and active in the SoFi ecosystem. Whether they are a borrower, whether they have a cash management account, whether they have a brokerage account, SoFi has 2.56 million members. If you look at the blue number on the bottom of this screen, that's the most important, the year-over-year growth. That's up 113% year over year, and the net growth rate has accelerated for eight quarters in a row. That's pretty impressive. A lot of companies posted accelerating growth in the early days of the pandemic. For example, a lot of tech disruptors we saw accelerate early throughout 2020. But this growth just continues to accelerate, and one of the big reasons is that SoFi keeps rolling on more and more products and getting more and more people into its ecosystem in one way or another. For example, a customer might start off as a brokerage customer and realize that SoFi is a great personal lender. Or someone who already borrows from SoFi might open a SoFi money account, which is a checking account replacement. This is the total number of products that SoFi members use, which is up even higher.</p>\n<p>Remember that members increased 113% year over year. The amount of products that their members use increased 123% year over year. Just doing the quick math, about 3.7 million products divided by 2.56 million members, shows that the average member is using about 1.5 products, so one or two products per member. A lot of room to expand in cross-sell products to existing members is the key takeaways. You could see this number accelerate in the quarters to come.</p>\n<p>There's two kinds of products that SoFi offers. You can generally break them into two categories; lending products and financial-services products. SoFi started out as a private student loan company, essentially. They have expanded it to personal lending. They offer mortgages on their website. This is now the main driver of their growth right now. They are a well-established lender. If I had to call one part of their business mature, it will probably be this one. Not surprising that this growth rate has decelerated if you look at the blue on the bottom of the screen. People really didn't need private student loans in the past year or so. A lot of people pumped the brakes on their education during the COVID pandemic. Didn't really want to pay for virtual school. Didn't need extra money to pay for housing and stuff that they were learning virtually. A lot of stimulus has decreased the need for personal loans in a lot of cases.</p>\n<p>Lending growth is not really the exciting part. But if you look at this chart, financial-services products, things like their money account, their brokerage account, their credit card product now. This is some incredible growth. Look at those numbers on the bottom: 243% year-over-year growth in the number of financial services products their members used. This looks like a parabolic growth chart, like, just exponentially growing and should continue to do so. Remember, 2.56 million members. If you look at that number, that's pretty close to 2.7 million financial-services products. Roughly one per member in terms of financial services products, so a lot of cross-selling potential. I'll get to the products SoFi offers in just a second. But really quick on just the numbers. I'll translate into revenue.</p>\n<p>Revenue grew slower than the membership base, which I think could've been a concern for investors and may have been a contributor to the decline in the share price. Revenues are up 74% year over year. Remember, membership grew 113%, so some of their newer members might not be converting into revenue as much as people wanted to see. On an adjusted basis, SoFi returned an adjusted EBITDA profit. Compared to last year during the middle of the pandemic when SoFi posted a loss. Pretty impressive, not a profitable company on traditional metrics yet, but definitely getting there. I mentioned cross-selling potential is really the thing to watch going forward. Remember, the average SoFi customer uses just over one financial-services product.</p>\n<p>Look on the right side of your screen there to the financial-services products they offer. SoFi Invest is a brokerage platform, which is essentially a <b>Robinhood</b> (NASDAQ:HOOD) competitor that, in my opinion, does it even better. They offer cryptocurrencies, they offer IPO access to all investors, things like that Robinhood are doing. But they offer things like educational services, prioritize long-term investing, really try to make people better investors, not just traders. Essentially, a better version of Robinhood, my opinion. SoFi Money is SoFi's bank alternative. SoFi recently acquired a bank that has a banking charter so it could build out that significantly in the quarters ahead. They have their own credit card product. A bunch of other financial service offerings there.</p>\n<p>Last thing I wanted to mention is the Galileo Technology Platform. That was an acquisition last April. They acquired the Galileo Technology Platform, which is essentially a payments platform that enables other companies to offer banking products to their customers. They have 79 million active accounts using that platform. Not through SoFi, not SoFi customers. SoFi uses this. They essentially let other companies use their infrastructure to offer financial-service products to their customers. Big part of the business just going to keep growing. That is up 119% year over year in terms of members. They acquired this last April. It's, in my opinion, going to improve to be a great pandemic era steal. They paid $1.2 billion for this platform, here, mentioned 79 million active accounts and more than doubling year-over-year. That is SoFi's quarter in a nutshell.</p>","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Here's Why This Fintech Could Be a Bargain After Earnings</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\">\nHere's Why This Fintech Could Be a Bargain After Earnings\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-08-31 19:00 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/08/31/heres-why-this-fintech-could-be-a-bargain-after-ea/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Fintech disruptor SoFi (NASDAQ:SOFI) recently reported its first quarterly results since completing its merger through a special-purpose acquisition company, and most of the numbers look extremely ...</p>\n\n<a href=\"https://www.fool.com/investing/2021/08/31/heres-why-this-fintech-could-be-a-bargain-after-ea/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{},"source_url":"https://www.fool.com/investing/2021/08/31/heres-why-this-fintech-could-be-a-bargain-after-ea/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2163859252","content_text":"Fintech disruptor SoFi (NASDAQ:SOFI) recently reported its first quarterly results since completing its merger through a special-purpose acquisition company, and most of the numbers look extremely impressive. However, the stock is significantly down since the report and is about 50% off its all-time highs. In this Fool Live video clip, recorded on Aug. 19, Fool.com contributor Matt Frankel, CFP, discusses why he's a big believer in this innovative financial company.\nMatt Frankel: First, we'll start with the bad before we get into what's on your screen right now. We'll start with the bad news. SoFi, the stock, sold off. If you're a shareholder of SoFi, you already know that the stock is down about 20% since earnings in the past weeks. The battery reaction was due to a couple of factors. First, it posted a much wider loss than analysts had been expecting. No one expected SoFi to be profitable, but a loss of $0.48 per share on a roughly $15 stock is pretty big loss -- $0.48-per-share loss versus a $0.06 loss per share that was expected.\nA lot of investors had expected SoFi to raise its guidance for the year based on all these positive numbers that I'm about to talk about. They just maintain their guidance. I mean, a negative catalyst is the extension of the student loan pause. That's just not really helping their business at all. They cited that as the reason they kept their guidance flat, even though there are private lender, it had some trickle-down effects. That's why the shares sold off. But if you are a long-term investor and can ride out the ups and downs, here's a few reasons why you might want to pay attention.\nNumber one, what you are looking at is member growth. These are how many people are registered and active in the SoFi ecosystem. Whether they are a borrower, whether they have a cash management account, whether they have a brokerage account, SoFi has 2.56 million members. If you look at the blue number on the bottom of this screen, that's the most important, the year-over-year growth. That's up 113% year over year, and the net growth rate has accelerated for eight quarters in a row. That's pretty impressive. A lot of companies posted accelerating growth in the early days of the pandemic. For example, a lot of tech disruptors we saw accelerate early throughout 2020. But this growth just continues to accelerate, and one of the big reasons is that SoFi keeps rolling on more and more products and getting more and more people into its ecosystem in one way or another. For example, a customer might start off as a brokerage customer and realize that SoFi is a great personal lender. Or someone who already borrows from SoFi might open a SoFi money account, which is a checking account replacement. This is the total number of products that SoFi members use, which is up even higher.\nRemember that members increased 113% year over year. The amount of products that their members use increased 123% year over year. Just doing the quick math, about 3.7 million products divided by 2.56 million members, shows that the average member is using about 1.5 products, so one or two products per member. A lot of room to expand in cross-sell products to existing members is the key takeaways. You could see this number accelerate in the quarters to come.\nThere's two kinds of products that SoFi offers. You can generally break them into two categories; lending products and financial-services products. SoFi started out as a private student loan company, essentially. They have expanded it to personal lending. They offer mortgages on their website. This is now the main driver of their growth right now. They are a well-established lender. If I had to call one part of their business mature, it will probably be this one. Not surprising that this growth rate has decelerated if you look at the blue on the bottom of the screen. People really didn't need private student loans in the past year or so. A lot of people pumped the brakes on their education during the COVID pandemic. Didn't really want to pay for virtual school. Didn't need extra money to pay for housing and stuff that they were learning virtually. A lot of stimulus has decreased the need for personal loans in a lot of cases.\nLending growth is not really the exciting part. But if you look at this chart, financial-services products, things like their money account, their brokerage account, their credit card product now. This is some incredible growth. Look at those numbers on the bottom: 243% year-over-year growth in the number of financial services products their members used. This looks like a parabolic growth chart, like, just exponentially growing and should continue to do so. Remember, 2.56 million members. If you look at that number, that's pretty close to 2.7 million financial-services products. Roughly one per member in terms of financial services products, so a lot of cross-selling potential. I'll get to the products SoFi offers in just a second. But really quick on just the numbers. I'll translate into revenue.\nRevenue grew slower than the membership base, which I think could've been a concern for investors and may have been a contributor to the decline in the share price. Revenues are up 74% year over year. Remember, membership grew 113%, so some of their newer members might not be converting into revenue as much as people wanted to see. On an adjusted basis, SoFi returned an adjusted EBITDA profit. Compared to last year during the middle of the pandemic when SoFi posted a loss. Pretty impressive, not a profitable company on traditional metrics yet, but definitely getting there. I mentioned cross-selling potential is really the thing to watch going forward. Remember, the average SoFi customer uses just over one financial-services product.\nLook on the right side of your screen there to the financial-services products they offer. SoFi Invest is a brokerage platform, which is essentially a Robinhood (NASDAQ:HOOD) competitor that, in my opinion, does it even better. They offer cryptocurrencies, they offer IPO access to all investors, things like that Robinhood are doing. But they offer things like educational services, prioritize long-term investing, really try to make people better investors, not just traders. Essentially, a better version of Robinhood, my opinion. SoFi Money is SoFi's bank alternative. SoFi recently acquired a bank that has a banking charter so it could build out that significantly in the quarters ahead. They have their own credit card product. A bunch of other financial service offerings there.\nLast thing I wanted to mention is the Galileo Technology Platform. That was an acquisition last April. They acquired the Galileo Technology Platform, which is essentially a payments platform that enables other companies to offer banking products to their customers. They have 79 million active accounts using that platform. Not through SoFi, not SoFi customers. SoFi uses this. They essentially let other companies use their infrastructure to offer financial-service products to their customers. Big part of the business just going to keep growing. That is up 119% year over year in terms of members. They acquired this last April. It's, in my opinion, going to improve to be a great pandemic era steal. They paid $1.2 billion for this platform, here, mentioned 79 million active accounts and more than doubling year-over-year. That is SoFi's quarter in a nutshell.","news_type":1},"isVote":1,"tweetType":1,"viewCount":1086,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":812598773,"gmtCreate":1630593347492,"gmtModify":1676530351499,"author":{"id":"3572269600788843","authorId":"3572269600788843","name":"RGuy","avatar":"https://community-static.tradeup.com/news/a86ba936ebd52ac47d37b671081dfc49","crmLevel":6,"crmLevelSwitch":1,"followedFlag":false,"idStr":"3572269600788843","authorIdStr":"3572269600788843"},"themes":[],"htmlText":"Like","listText":"Like","text":"Like","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/812598773","repostId":"1154229953","repostType":2,"isVote":1,"tweetType":1,"viewCount":917,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":813403553,"gmtCreate":1630222723772,"gmtModify":1676530246827,"author":{"id":"3572269600788843","authorId":"3572269600788843","name":"RGuy","avatar":"https://community-static.tradeup.com/news/a86ba936ebd52ac47d37b671081dfc49","crmLevel":6,"crmLevelSwitch":1,"followedFlag":false,"idStr":"3572269600788843","authorIdStr":"3572269600788843"},"themes":[],"htmlText":"Like","listText":"Like","text":"Like","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/813403553","repostId":"1129129956","repostType":4,"repost":{"id":"1129129956","kind":"news","pubTimestamp":1630201285,"share":"https://ttm.financial/m/news/1129129956?lang=&edition=full_marsco","pubTime":"2021-08-29 09:41","market":"us","language":"en","title":"This Unloved Tech Stock Could Make You Rich One Day","url":"https://stock-news.laohu8.com/highlight/detail?id=1129129956","media":"Motley Fool","summary":"The iBuying business is a race to grow larger, and Opendoor is winning.The company is growing at a rate that is two years ahead of what management projected just a year earlier.The market is bearish on virtually all SPACs, making Opendoor a bargain that could eventually bring huge returns.Real estate iBuying company Opendoor Technologieshas been executing at a high level in the three quarters since coming public via a special purpose acquisition company  merger. In a race to disrupt residential ","content":"<p>Key Points</p>\n<ul>\n <li>The iBuying business is a race to grow larger, and Opendoor is winning.</li>\n <li>The company is growing at a rate that is two years ahead of what management projected just a year earlier.</li>\n <li>The market is bearish on virtually all SPACs, making Opendoor a bargain that could eventually bring huge returns.</li>\n</ul>\n<p></p>\n<p>Real estate iBuying company&nbsp;<b>Opendoor Technologies</b>(NASDAQ:OPEN)has been executing at a high level in the three quarters since coming public via a special purpose acquisition company (SPAC) merger. In a race to disrupt residential real estate, one of the largest markets in the world, Opendoor's long-term potential could bring big returns for patient investors.</p>\n<p>Despite the upside, the market hasn't yet appreciated Opendoor's accomplishments; the stock is down more than 50% from its highs. There are three important clues that Opendoor could be a compelling investment idea for bold investors.</p>\n<h3>1. Opendoor is winning the iBuying battle</h3>\n<p>The traditional home-buying process in the United States is slow and handled by multiple parties, including agents, lawyers, inspectors, and bankers. This creates a lot of back and forth paperwork and drags the process out to more than 30 days, on average.</p>\n<p>Opendoor pioneered the concept of \"iBuying,\" where the buying and selling of a house are digitized, and a company like Opendoor works directly with sellers to provide them with a cash offer and a digital closing process. The company then resells the house on the market. The iBuying process cuts out agents and some of the fees associated with traditional closings, such as agent commissions. Opendoor then resells the house on the market and charges a service fee of up to 5% on the transaction.</p>\n<p>After seeing Opendoor steadily grow with its iBuying concept, competitors have also begun to offer iBuying services, including&nbsp;<b>Zillow Group</b>&nbsp;and Offerpad. Because of how capital intensive the business is (a lot of money is needed to buy and sell thousands of houses) and how price competitive the housing market is, these companies are racing to get as big as possible. As the companies buy and sell more homes, they have the ability to become more profitable by leveraging outsourced contractors to save money, and its pricing algorithm improves as it sees more transactions.</p>\n<p>According to iBuyerStats, a website dedicated to tracking the competitors found in iBuying, Opendoor has consistently had the most housing inventory available for sale. It currently has roughly 3,300 houses for sale, 53% more than Zillow and more than four times as many as Offerpad.</p>\n<h3>2. Revenue growth is ahead of schedule</h3>\n<p>When companies go public viaSPACmerger, they lay out a public presentation of their business, often including long-term growth projections. Opendoor laid out its pre-merger investor presentation about a year ago, in September 2020.</p>\n<p>Fast forward to the company's recent 2021 Q2 earnings call. CEO and founder Eric Wu said on the earnings call, \"... based on our current progress, our second half revenue run rate is on track to exceed our 2023 target, a full two years ahead of plan.\"</p>\n<p>In other words, if Opendoor were to operate for 12 months at the level the business currently is, it would surpass the $9.8 billion in revenue it projected for 2023. This is an underlooked point because if Opendoor is already two years ahead of its original growth curve, where will it be by 2023? Sure, a dip in the housing market or other events could disrupt the company's speed of growth, but Opendoor is showing the world that the business is operating at a high level.</p>\n<h3>3. SPACs are out of favor with the market... opportunity?</h3>\n<p>Investors have overlooked this strong performance, focusing instead on the fact that Opendoor joined the public market via SPAC merger. It has hardly mattered what operating results or earnings have looked like for former SPACs; the stock market has been selling off virtually all SPAC-based stocks for several months now.</p>\n<p>Investors have been spooked by a handful of \"bad apple\" companies turning up fraudulent, and other companies have wildly missed on the projections they made before going public. These instances have burned those involved, and investors have taken a much more cautious attitude toward SPACs as a whole.</p>\n<p>But if companies like Opendoor keep blowing away estimates, the market is likely to come around eventually. When it does, the stock price could move aggressively. If we take Eric Wu's comments about revenue and assume that Opendoor does sales of $10 billion in 2022 (in other words, Opendoor stops growing and maintains its current pace over the following year), the stock currently trades at aprice-to-sales(P/S) ratio of just 1.0. That's a bargain-bin valuation.</p>\n<p>Competitor Zillow Group trades at a P/S ratio of more than 3, reflecting Opendoor's discount as a former SPAC.</p>\n<h3>Here's the bottom line</h3>\n<p>Real estate is a huge market, and it's a complicated industry because of the clash between traditional agents and the \"new kids\" on the block trying to bring technology into homebuying. It's too early to say that Opendoor will become the \"<b>Amazon</b>\" of home buying, but what seems certain is that the company is&nbsp;poised to be a big player&nbsp;in real estate's future if it keeps performing like this.</p>\n<p></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>This Unloved Tech Stock Could Make You Rich One Day</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\">\nThis Unloved Tech Stock Could Make You Rich One Day\n</h2>\n\n<h4 class=\"meta\">\n\n\n2021-08-29 09:41 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2021/08/28/this-unloved-tech-stock-may-make-you-rich-one-day/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Key Points\n\nThe iBuying business is a race to grow larger, and Opendoor is winning.\nThe company is growing at a rate that is two years ahead of what management projected just a year earlier.\nThe ...</p>\n\n<a href=\"https://www.fool.com/investing/2021/08/28/this-unloved-tech-stock-may-make-you-rich-one-day/\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"OPEN":"Opendoor Technologies Inc"},"source_url":"https://www.fool.com/investing/2021/08/28/this-unloved-tech-stock-may-make-you-rich-one-day/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1129129956","content_text":"Key Points\n\nThe iBuying business is a race to grow larger, and Opendoor is winning.\nThe company is growing at a rate that is two years ahead of what management projected just a year earlier.\nThe market is bearish on virtually all SPACs, making Opendoor a bargain that could eventually bring huge returns.\n\n\nReal estate iBuying company Opendoor Technologies(NASDAQ:OPEN)has been executing at a high level in the three quarters since coming public via a special purpose acquisition company (SPAC) merger. In a race to disrupt residential real estate, one of the largest markets in the world, Opendoor's long-term potential could bring big returns for patient investors.\nDespite the upside, the market hasn't yet appreciated Opendoor's accomplishments; the stock is down more than 50% from its highs. There are three important clues that Opendoor could be a compelling investment idea for bold investors.\n1. Opendoor is winning the iBuying battle\nThe traditional home-buying process in the United States is slow and handled by multiple parties, including agents, lawyers, inspectors, and bankers. This creates a lot of back and forth paperwork and drags the process out to more than 30 days, on average.\nOpendoor pioneered the concept of \"iBuying,\" where the buying and selling of a house are digitized, and a company like Opendoor works directly with sellers to provide them with a cash offer and a digital closing process. The company then resells the house on the market. The iBuying process cuts out agents and some of the fees associated with traditional closings, such as agent commissions. Opendoor then resells the house on the market and charges a service fee of up to 5% on the transaction.\nAfter seeing Opendoor steadily grow with its iBuying concept, competitors have also begun to offer iBuying services, including Zillow Group and Offerpad. Because of how capital intensive the business is (a lot of money is needed to buy and sell thousands of houses) and how price competitive the housing market is, these companies are racing to get as big as possible. As the companies buy and sell more homes, they have the ability to become more profitable by leveraging outsourced contractors to save money, and its pricing algorithm improves as it sees more transactions.\nAccording to iBuyerStats, a website dedicated to tracking the competitors found in iBuying, Opendoor has consistently had the most housing inventory available for sale. It currently has roughly 3,300 houses for sale, 53% more than Zillow and more than four times as many as Offerpad.\n2. Revenue growth is ahead of schedule\nWhen companies go public viaSPACmerger, they lay out a public presentation of their business, often including long-term growth projections. Opendoor laid out its pre-merger investor presentation about a year ago, in September 2020.\nFast forward to the company's recent 2021 Q2 earnings call. CEO and founder Eric Wu said on the earnings call, \"... based on our current progress, our second half revenue run rate is on track to exceed our 2023 target, a full two years ahead of plan.\"\nIn other words, if Opendoor were to operate for 12 months at the level the business currently is, it would surpass the $9.8 billion in revenue it projected for 2023. This is an underlooked point because if Opendoor is already two years ahead of its original growth curve, where will it be by 2023? Sure, a dip in the housing market or other events could disrupt the company's speed of growth, but Opendoor is showing the world that the business is operating at a high level.\n3. SPACs are out of favor with the market... opportunity?\nInvestors have overlooked this strong performance, focusing instead on the fact that Opendoor joined the public market via SPAC merger. It has hardly mattered what operating results or earnings have looked like for former SPACs; the stock market has been selling off virtually all SPAC-based stocks for several months now.\nInvestors have been spooked by a handful of \"bad apple\" companies turning up fraudulent, and other companies have wildly missed on the projections they made before going public. These instances have burned those involved, and investors have taken a much more cautious attitude toward SPACs as a whole.\nBut if companies like Opendoor keep blowing away estimates, the market is likely to come around eventually. When it does, the stock price could move aggressively. If we take Eric Wu's comments about revenue and assume that Opendoor does sales of $10 billion in 2022 (in other words, Opendoor stops growing and maintains its current pace over the following year), the stock currently trades at aprice-to-sales(P/S) ratio of just 1.0. That's a bargain-bin valuation.\nCompetitor Zillow Group trades at a P/S ratio of more than 3, reflecting Opendoor's discount as a former SPAC.\nHere's the bottom line\nReal estate is a huge market, and it's a complicated industry because of the clash between traditional agents and the \"new kids\" on the block trying to bring technology into homebuying. It's too early to say that Opendoor will become the \"Amazon\" of home buying, but what seems certain is that the company is poised to be a big player in real estate's future if it keeps performing like this.","news_type":1},"isVote":1,"tweetType":1,"viewCount":1266,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":152998879,"gmtCreate":1625250157591,"gmtModify":1703739430490,"author":{"id":"3572269600788843","authorId":"3572269600788843","name":"RGuy","avatar":"https://community-static.tradeup.com/news/a86ba936ebd52ac47d37b671081dfc49","crmLevel":6,"crmLevelSwitch":1,"followedFlag":false,"idStr":"3572269600788843","authorIdStr":"3572269600788843"},"themes":[],"htmlText":"Very nice","listText":"Very nice","text":"Very nice","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/152998879","repostId":"1196057674","repostType":4,"isVote":1,"tweetType":1,"viewCount":722,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":158558597,"gmtCreate":1625158406119,"gmtModify":1703737475280,"author":{"id":"3572269600788843","authorId":"3572269600788843","name":"RGuy","avatar":"https://community-static.tradeup.com/news/a86ba936ebd52ac47d37b671081dfc49","crmLevel":6,"crmLevelSwitch":1,"followedFlag":false,"idStr":"3572269600788843","authorIdStr":"3572269600788843"},"themes":[],"htmlText":"Sure buy","listText":"Sure buy","text":"Sure buy","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":2,"repostSize":0,"link":"https://ttm.financial/post/158558597","repostId":"1199212665","repostType":4,"isVote":1,"tweetType":1,"viewCount":1159,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0}],"defaultTab":"posts","isTTM":true}