1. Analyst review
The following video showed the comparison between Stoneco (STNE;US), NU Holding (NU:US) and SOFI Technology (SOFI:US). All of them are good stocks. Should you buy those now or later? Nobody knows.
Video link: https://youtu.be/heCDRwDpGgQ?si=2uaq0GAEuVgr4YcI
* 2024-12-12 stock prices
STNE: $9.08 USD
NU: $12.02 USD
SOFI: $15.71 USD
2. Yahoo finance information
Description:
Nu Holdings Ltd. provides digital banking
platform in Brazil, Mexico, Colombia, Cayman Islands, Germany, Argentina, the United
States, and Uruguay. It offers spending solutions comprising Nu credit and
prepaid card, a digitally enabled card that acts as a credit and a prepaid
card; Ultraviolet credit and prepaid card, a premium metal credit card for
affluent customers; mobile payment solutions for NuAccount customers to make
and receive transfers, pay bills, and make everyday purchases through their
mobile phones; and Nu Shopping, an integrated mall that enables customers to
purchase goods and services from various ecommerce retailers. The company also
provides savings solutions, such as Nu Personal Accounts, a digital account
solution for personal financial activities; Nu business prepaid and credit
card; and Nu business accounts for entrepreneur customers and their businesses.
In addition, it offers investing solutions, including Money Boxes for
goal-based investing; Nucoin, a proprietary utility token for its loyalty
program; NuInvest, which provides equity, fixed-income, stock options, ETF
products, and multimarket funds; and NuCrypto, a solution for buying and
selling cryptocurrencies through the Nu app. Further, the company provides
borrowing solutions comprising Personal unsecured and secured loans; Pix
financing that enables credit card and digital account customers to make free
and instant peer-to-peer transfers; Boleto financing, which enables credit card
and digital account customers to make payments using their credit line;
purchase financing; and NuPay to make online purchases and pay for services
through Nubank app. Additionally, it offers protection solutions, such as
NuInsurance protection solutions, including life, mobile, auto, home, and
financial protection insurance policies. The company was founded in 2013 and is
headquartered in São Paulo, Brazil.
Video reviewing NU business:
https://youtu.be/CrrxK8Mvh0g?si=Td7SURGgjONRsW2Y-
--------------------------------------
Description:
StoneCo Ltd. provides financial technology
and software solutions to merchants and integrated partners to conduct
electronic commerce across in-store, online, and mobile channels in Brazil. It
distributes its solutions, principally through proprietary Stone Hubs, which
offer hyper-local sales and services; and sells solutions to brick-and-mortar
and digital merchants through sales team. The company served
small-and-medium-sized businesses; and marketplaces, e-commerce platforms, and
integrated software vendors. StoneCo Ltd. was founded in 2000 and is
headquartered in George Town, the Cayman Islands.
---------------------------------
Description:
SoFi Technologies, Inc. provides various
financial services in the United States, Latin America, and Canada. It operates
through three segments: Lending, Technology Platform, and Financial Services.
The company offers lending and financial services and products that allows its
members to borrow, save, spend, invest, and protect money. It offers personal
loans, student loans, home loans, and related services. The company also
operates Galileo, a technology platform that offers services to financial and
non-financial institution; and Technisys, a cloud-native digital and core banking
platform with financial services customers. In addition, it provides SoFi Money
offers checking and savings accounts, debit cards, and cash management
products; and SoFi Invest, a mobile-first investment platform that provides
access to trading and advisory solutions, such as investing and robo-advisory.
Further, the company offers SoFi Credit Card that provides cash backs on every
purchase; Sofi Relay, a personal finance management product that allows to
track all of their financial accounts comprising credit score and spending
behaviors; SoFi Protect, which offers insurance product; SoFi Travel, an
application that manages travel search and booking experience; SoFi At Work
provides financial benefits to employees, including student loan payments made
on their employees' behalf; Lantern Credit, a financial services marketplace
platform for seeking alternative products and provide product comparisons; and
other lending as a service that offers pre-qualified borrower referrals and
sells loans to third-party partner. The company was founded in 2011 and is
based in San Francisco, California.
---------------------
3. Estimation as of 2024-12-13
3.1StoneCo, STNE:US
a. Price estimation
Current price: $8.99 USD
Yahoo’s 1-yr target: $14.58 USD
Morningstar’s fair value: $20.66 USD
Refinitiv target: $17.25 USD (H $21.24 USD –
M $17.88 USD – L $6.93 USD) with consensus rating BUY.
TipRanks ratings: $14.50 USD with Hold
from 2 BUY, 1 HOLD, and 1 SELL
b. Statistics
Valuation Measures
|
Current |
9/30/2024 |
6/30/2024 |
3/31/2024 |
12/31/2023 |
9/30/2023 |
|
|
Market Cap |
2.71B |
3.34B |
3.70B |
5.13B |
5.66B |
3.34B |
|
Enterprise Value |
2.39B |
2.87B |
3.02B |
3.83B |
4.51B |
2.28B |
|
Trailing P/E |
8.38 |
10.32 |
12.64 |
17.50 |
27.87 |
21.75 |
|
Forward P/E |
7.28 |
7.58 |
9.08 |
12.11 |
16.58 |
10.78 |
|
PEG Ratio (5yr expected) |
-- |
-- |
-- |
-- |
-- |
-- |
|
Price/Sales |
1.33 |
1.59 |
1.78 |
2.33 |
2.53 |
1.71 |
|
Price/Book |
1.04 |
1.20 |
1.35 |
1.75 |
1.92 |
1.23 |
|
Enterprise Value/Revenue |
1.13 |
1.29 |
1.41 |
1.68 |
2.02 |
1.12 |
|
Enterprise Value/EBITDA |
3.18 |
3.84 |
4.44 |
2.79 |
3.93 |
2.14 |
3.2NU Holding, NU:US
a. Price estimation
Current price: $11.94 USD
Yahoo’s 1-yr target: $15.64 USD
Morningstar’s fair value: $9.94 USD
Refinitiv target: $15.19 USD (H $19 USD – M $15.55
USD – L $7.70 USD) with consensus rating HOLD.
TipRanks ratings: $17.38 USD with Moderate
Buy from 5 BUY, 1 HOLD, and 1 SELL
c. Statistics
Valuation
Measures
|
Current |
9/30/2024 |
6/30/2024 |
3/31/2024 |
12/31/2023 |
9/30/2023 |
|
|
Market Cap |
58.93B |
65.37B |
61.63B |
56.86B |
39.61B |
34.38B |
|
Enterprise Value |
-- |
-- |
-- |
-- |
-- |
-- |
|
Trailing P/E |
32.89 |
43.49 |
49.54 |
56.25 |
111.96 |
525.36 |
|
Forward P/E |
20.28 |
23.04 |
29.94 |
27.40 |
24.81 |
22.08 |
|
PEG Ratio (5yr expected) |
-- |
-- |
-- |
-- |
-- |
-- |
|
Price/Sales |
7.46 |
9.19 |
9.66 |
10.29 |
8.16 |
8.23 |
|
Price/Book |
7.54 |
9.44 |
9.07 |
8.90 |
6.74 |
6.11 |
|
Enterprise Value/Revenue |
7.26 |
9.04 |
9.69 |
10.30 |
8.30 |
8.28 |
|
Enterprise Value/EBITDA |
-- |
-- |
-- |
-- |
-- |
-- |
3.3 SOFI Technologies, SOFI:US
b. Price estimation
Current price: $16.27 USD
Yahoo’s 1-yr target: $11.00 USD
Morningstar’s fair value: $14.00 USD
Refinitiv target: $11.31 USD (H $19.00 USD –
M $11.00 USD – L $5.00 USD) with consensus rating HOLD.
TipRanks ratings: $11.46 USD with Hold
from 5 BUY, 5 HOLD, and 3 SELL
d. Statistics
Valuation
Measures
|
Current |
9/30/2024 |
6/30/2024 |
3/31/2024 |
12/31/2023 |
9/30/2023 |
|
|
Market Cap |
17.30B |
8.52B |
6.99B |
7.71B |
9.54B |
7.59B |
|
Enterprise Value |
-- |
-- |
-- |
-- |
-- |
-- |
|
Trailing P/E |
132.50 |
-- |
-- |
-- |
-- |
-- |
|
Forward P/E |
79.37 |
32.79 |
73.53 |
104.17 |
181.82 |
769.23 |
|
PEG Ratio (5yr expected) |
-- |
-- |
-- |
-- |
-- |
-- |
|
Price/Sales |
6.73 |
3.38 |
2.90 |
3.27 |
4.74 |
4.00 |
|
Price/Book |
2.82 |
1.44 |
1.21 |
1.47 |
1.92 |
1.46 |
|
Enterprise Value/Revenue |
8.28 |
5.05 |
4.64 |
6.35 |
8.26 |
7.85 |
|
Enterprise Value/EBITDA |
-- |
-- |
-- |
-- |
-- |
-- |
Digital
banking is the digitization of banking services and processes, allowing
customers to access their accounts and perform banking functions online.
Customers can use digital banking through mobile apps, websites, and other
digital platforms.
Digital
banking allows customers to: Pay bills, Transfer money, Make direct deposits,
Send money to friends and family, and Add cards to digital wallets.
Some
examples of digital banking platforms include:
·
nCino Cloud Banking Platform
·
Finacle Digital Engagement Suite
·
NETinfo Digital Banking Platform
·
Appway Digital Banking
·
Backbase Engagement Banking Platform
·
Cyberbank Digital
·
Digital Banking Software Hub
·
Five Degrees Matrix
Canadians
can use digital banking services offered by traditional banks or go with a
digital-first bank.
* Description
source from the Internet.
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