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金融科技股:PayPal 做埋證券經紀?

早前筆者提過看好三大行業,作為長遠的投資方向,包括金融科技、環保綠色,以及網絡安全。今次討論一下金融科技。


圖片來源:Paypal網站

金融業做啲乜,睇下滙豐做啲乜再加一些科技元素,大致上可以了解多少少🤔。筆者早前已經寫過一篇文章,大家不妨重溫一下,在此不作重複了:

甚麼是Fintec?揀得啱投資有排賺

在筆者的投資當中,持有多隻相關股份,包括Paypal(PYPL)。這隻股份近期新聞唔少,所以同大家跟進下。

從Paypal近期的表現,發展相當進取,除了不繼擴展全球版圖(網上支付業務),又接受加密貨幣作為交易貨幣(容許客戶直接追揸沽)之外,最近傳出話打算做埋網上股票買賣服務,根據CNBC星期一透露, PayPal已經請了一位資深的證券業人士Rich Hagen 負責這個新部門,而PayPal亦都在星期二確認有關的消息。消息一出, 以免佣為賣點的網上經紀行羅賓漢Robinhood(ROOD)股價隨即插水。

不過,即使PayPal 確實進軍股票買賣服務,也要美國金融業監管部門批準,閒閒地可能都要一年半載時間。

金融科技急速冒起潛質大

科技的發展提供很大的發展空間,方向遠遠超過我們想像,金融科技吸引的地方也是如此, 行業涉及的範疇非常之廣泛,與此同時也是經濟重要的一環,亦是經濟的血脈,能夠成功從中分取一杯羹,回報可以相當豐厚, 看一看華爾街過往養肥了不少人就略知一二😆。

Paypal的大部份收入來自交易費,在全球200個市場擁有超過4億的活躍用戶,交易貨幣擴展至100種。香港人對這家公司應不會感到陌生,Paypal在拓展香港市場都好積極,除了網購的支付服務之外,遲下進一步走入實體,提供QR code服務,去舖頭買野俾錢,只要嘟一下就可以。


圖片: PayPal近3年股價走勢(比較標普指數)(截至1/9/2021)

留意市場競爭

Paypal處身在這個急速冒起的行業,又能走到市場的前線,對投資者來說是有一定的吸引力。不過,亦都要載載頭盔,金融科技這個市場的競爭是不少的,競爭對手如Robinhood、高盛(GS)、Square(SQ)以及蘋果公司(AAPL)等,來頭都唔細,是不可輕視的公司。另外要提的負面因素是股價累積升幅不少,估值不便宜。


圖片: PayPal跟競爭對手Square比較

年初至今,PayPal升了超過兩成,不過比競爭對對Square慢了點點,遲下有機會再跟進一下Square。Square可謂女股神Cathie Wood的愛股之一,她旗下的金融創新ETF( ARK Fintech Innovation,ETF)最大的投資就是Square,佔了一成的比重。有關Square的背景,去年一文介紹過,有興趣不妨重溫一下。

美股仲講緊 FAANG?科網股第2梯隊正火速上位

(3/9/2021)

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