16932933
参与了投票
早上好,现在是 5 月 9 日星期四。市场开盘涨跌互现,三分之二的指数攀升。我叫凯文·特拉弗斯,以下是当今市场走势的故事:
ps:我将在 moomoo 办公室的办公桌上为这些视频录制纽约金融区的景色!
MOOVERS
$爱彼迎 (ABNB.US) $ 在收益达到预期后,标准普尔500指数和纳斯达克100指数下跌,但其第二季度指引出来了...
ps:我将在 moomoo 办公室的办公桌上为这些视频录制纽约金融区的景色!
MOOVERS
$爱彼迎 (ABNB.US) $ 在收益达到预期后,标准普尔500指数和纳斯达克100指数下跌,但其第二季度指引出来了...
已翻译
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16932933
参与了投票
当你第一次见面时,只需要快速浏览一下,大概需要三秒钟,有人就能对你进行评估。在这短的时间内,对方根据几条线索形成了对你的看法。应用程序也是如此。
为了所有人 mooer们 谁选择留下,你的第一印象是什么 Moomoo?
如果上面的选择不能完全表达你的感受,你会用什么其他词来形容?
为了所有人 mooer们 谁选择留下,你的第一印象是什么 Moomoo?
如果上面的选择不能完全表达你的感受,你会用什么其他词来形容?
已翻译
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16932933
赞了
$Upstart(UPST.US$ Upstart was priced for stellar growth, but now appears to be incremental growth going forward. Accordingly, the price multiples will need to come down more in line with current growth expectations.
UPST is a great stock, no doubt about it and I agree with the bullish points everyone is making, but seams to me no-one is considering bearish points. Consider:
Consider: that UPST is addressing an underserved demographic of subprime loan qualification. It is possible that UPST addressed the low hanging ripe fruit and had explosive growth due to pent-up demand. That pent-up demand is being satisfied and may mitigate.
Consider: that UPST algo cannot replace FICO “unless it has a variable rate” as no one is going to pay UPSTs onerous fees and interest rates, if they can qualify for FICO. I don’t see how banks could drop FICO for UPSTs algo completely. I have not read anything anywhere to suggest that UPST has variable fees and interest depending on the applicants score. I remain sceptical of FICO replacement.
Consider that someone invented FICO which became banking industry standard. Possible UPST algo could become in the public domain and a ubiquitous standard. UPST has no patents and no protection over any of its qualifying process. The algo could be copied, hacked, reverse engineered, approximated, stolen, or even spread around by a disgruntled employee, even sold for bribe. I agree it has a first mover advantage, but that can be challenged. Lots of fin techs addressing this area
Consider: UPST has to approve increasing numbers of loan each qtr as it does not have reoccurring revenue.
Consider: that UPST has incredible comps to compete against and even must compete with its past self. No way can it grow at 1000% like 2nd qtr. Or even 250% in this 3rd qtr will be difficult. It may have Incremental growth going forward and multiples to match. Further the law of big numbers will work against upstart.
Consider: That its customers cure their own poor credit standing. When they successfully repay their loan, now have improved credit scores and can qualify for FICO loan with lower fees and interest. So Upstart will not have a repeat business as much as is thought. Over time Upst may need to move down the risk strata in order to approve increasing loans each qtr.
I agree UPST is an incredible stock, but I think the risks are not being considered such as to chase a super high multiple. Buying a stock with a super high multiple is a binary investment. I don’t like to invest in a 50.50 double or nothing type of investment. For those who are shaking their head at this comment, consider that purchase at $400. Binary or greatest fool?
UPST is a great stock, no doubt about it and I agree with the bullish points everyone is making, but seams to me no-one is considering bearish points. Consider:
Consider: that UPST is addressing an underserved demographic of subprime loan qualification. It is possible that UPST addressed the low hanging ripe fruit and had explosive growth due to pent-up demand. That pent-up demand is being satisfied and may mitigate.
Consider: that UPST algo cannot replace FICO “unless it has a variable rate” as no one is going to pay UPSTs onerous fees and interest rates, if they can qualify for FICO. I don’t see how banks could drop FICO for UPSTs algo completely. I have not read anything anywhere to suggest that UPST has variable fees and interest depending on the applicants score. I remain sceptical of FICO replacement.
Consider that someone invented FICO which became banking industry standard. Possible UPST algo could become in the public domain and a ubiquitous standard. UPST has no patents and no protection over any of its qualifying process. The algo could be copied, hacked, reverse engineered, approximated, stolen, or even spread around by a disgruntled employee, even sold for bribe. I agree it has a first mover advantage, but that can be challenged. Lots of fin techs addressing this area
Consider: UPST has to approve increasing numbers of loan each qtr as it does not have reoccurring revenue.
Consider: that UPST has incredible comps to compete against and even must compete with its past self. No way can it grow at 1000% like 2nd qtr. Or even 250% in this 3rd qtr will be difficult. It may have Incremental growth going forward and multiples to match. Further the law of big numbers will work against upstart.
Consider: That its customers cure their own poor credit standing. When they successfully repay their loan, now have improved credit scores and can qualify for FICO loan with lower fees and interest. So Upstart will not have a repeat business as much as is thought. Over time Upst may need to move down the risk strata in order to approve increasing loans each qtr.
I agree UPST is an incredible stock, but I think the risks are not being considered such as to chase a super high multiple. Buying a stock with a super high multiple is a binary investment. I don’t like to invest in a 50.50 double or nothing type of investment. For those who are shaking their head at this comment, consider that purchase at $400. Binary or greatest fool?
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