$PayPal (PYPL.US)$
$Alibaba (BABA.US)$
Is paypal gonna grow as a company? Yes. like i mentioned earlier, the payment system in the US is redundant, layer after layer, every layer make money out of every single transaction. and companies like paypal and square are the last layer(apis).
In the future, Paypal/Square gonna start taking market shares from layers below. more and more ppl gonna start using paypal as the Bank, as the Creditcard company and as the Payment system.  wallstreet will have quite a story to tell.
if there is anything to accomplish more, You need to go crypto.
But i am not buying it at the moment, because, what paypal dream to accomplish, Alibaba had already  accomplished. then i look at the valuation. I just can not believe it.

Tech giant $Apple (AAPL.US)$ has a finger in every pie, but one sector in which it hasn't made much headway is financial management, according to Bloomberg columnist Mark Gurman.
That said, Apple does have the wherewithal to turn the iPhone and its ecosystem into an "ultimate financial management tool," the tech reporter said.
On the financial management front, the company has had a modest beg...

$BABA-W (09988.HK)$
As a swe, i once had an interview oppotunity with an famous payment company, therefore got a little understanding on how payment system works in the US. First, you got your banks and credit cards, on top of that you got Visa/Master payment systems, on top of that you got your payment APIs(paypal/square/stripe). It is layer by layer, adding on over the years.
In China, all those things above are in one, Alipay + Ant group. It is way more efficent and convinient, used by everybody. I dont see any of those on the balance sheet. I only see BABA is being valued as a e-commerce company(with p/e 16), which is comletely false. It is way way way way more than a e-commerce company. not even mention the cloud businesses.
If Munger buying it at 200. I would not suprise it would hit 2000 one day.

If you really want grab price to go up, the easiest way is toooooo... use the app more, don't use gojek use grab. don't use foodpanda, use grab. don't use redmart, use grab. and refer grab to everyone. then you see their Q1 2022 report huat big big, then price will go up liao. so simple. hahahahahaha.
$Grab Holdings (GRAB.US)$

$PayPal (PYPL.US)$
Jim Cramer explained Wednesday why he believes investors should take advantage of the recent pullback in PayPal shares - BUY PayPal Mad Money” host Jim Cramer explained Wednesday why he believes investors should take advantage of the recent pullback in PayPal shares [Video](https://www.cnbc.com/video/2021/10/13/jim-cramer-says-paypal-is-a-buy-after-pulling-back-from-its-high.html)
PayPal (NASDAQ:PYPL) price was beaten down after a series of events and yesterday the CEO has delivered a weak guidance despite announcing the partnership with Amazon. They are well established, and they have a solid track record with big growth potential. With the current price, it offer investor a better opportunity to enter into the stock and potentially to buy at a lower price.
I had averaged in PayPal and will do more soon.
My analysis for PayPal
1. The company had **377 million active accounts at the end of 2020, including 29 million merchant accounts**. The company also owns Xoom, an international money transfer business, and Venmo, a person-to-person payment platform.
2. Positive Earning Trend and debts are well covered.
Their profit margin have been growing from 5.2% in year 2014 to 20.4% in year 2021. They have grown significantly by an average of 25% per year over the past 5 years. Last profit margin is 20.1% as at 30 September 2021 with a net income of USD4,997 Millions High ROE - 23.3% (ROE indicates how well a company's management deploys shareholder capital). Liabilities - debt to equity ratio of 36% (Total debt 7,949 Million / Total Equity 22,090 Million) as at Sep 30, 2021. *As interest rate is low, it is an excellent strategy to take on more debts to have more rooms for business expansion. Note that the debts to equity ratio had reduced from 42.8% to 36% in a quarter.* Debt Coverage - PayPal is well covered by operating cash flow (74.5%) Interest Coverage - PayPal's interest payments on debts are well covered by EBIT (35.7x coverage) Cash & Short term investments improves from USD$12.4 billion to USD$13.292

3. Partnership with Amazon
PayPal said it had inked a deal with Amazon to allow the firm’s Venmo wallets in the U.S. to be accepted on Amazon’s website and mobile app starting next year. Amazon being the largest e-commerce in the world, has **300 million active users** as of (1 November 2021) and **162 million active users** are from US. Due to Amazon’s global scope and reach, it is also considered one of the most valuable brand worldwide. This also means that PayPal got to access to Amazon users and the payments can be done through PayPal's Venmo wallets. This is going to be the biggest revenue source going forward.
4. Plenty of room to grow in the ecommerce space
There is still plenty of runway for growth in electronic payments. Electronic payments only surpassed cash payments on a global basis a couple of years especially during the pandemic period where the baby boomer started to explore the online and as well as developing countries who started to use online and more of the payment services. Over the years, PayPal had built a good reputation on the payment services for being highly secured and as well as bringing conveniences.
5. Unique business Model - ability to combat fraud
I believe this area is critical, no one wishes their credit/debit card information to be leaked or to be hacked and misused. **Using PayPal is extremely secured.** PayPal have this unique business model centers around a two-sided platform, with PayPal enjoying relationships with both merchants and consumers. This approach has material benefits and was instrumental in allowing PayPal to develop its current foothold in the industry. Having information on both sides of the transaction gives PayPal a meaningful edge in combating fraud, which was a very meaningful factor in the early days of the Internet, and remains a key issue. With an ability to combat fraud, PayPal was in a position to become a valued partner on both sides of a payment. (Source: Morningstar) With this feature, I will always opt to have my items checkout using PayPal if there is an option for it because I know it will be highly secured.
6. Who owns PayPal, who are the shareholders?
PayPal are mostly institutional/ fund houses which make up of 82%. This means that many mutual funds or pension funds have invested PayPal for their long term value. **Conclusion** I believe with such a mega cap company, well established company and with lots of potential to grow. No doubt, they might face some competition from square, Apple pay and Alipay but PayPal has already a huge and stable customer based (377 million active users) and they will have the potential to grow even more as popularity on online payments grew. At the current price, it is not expensive.

is it another coverage is going to be initiated soon so they buy before covering?
$Grab Holdings (GRAB.US)$

$Grab Holdings (GRAB.US)$
☝️ A stock that should be worth less than 1 cent is this. When tech stocks fall, grab stock fall. When property stocks fall, grab stocks fall. Just for no reason. Rubbish stock!

Welcome back Mooers!
In today post, we will discuss about e-commerce trend for the year 2022.
According to a survey from $PayPal (PYPL.US)$, more than 80% of Singapore SMEs had already engaged or planning to engage in e-commerce, and more than 75% going to invest in more payment options for their online business, so as to enhance user experience.
* The picture above came from here. Also, the PDF of the $PayPal (PYPL.US)$ survey can be access ...