Date posted: 2024-12-10 with updates below on 2024-12-13
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.
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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.
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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.
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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 | -- | -- | -- | -- | -- | -- |
4. What is Digital Banking?
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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