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Explosion of revenue! Online shopping hits a new high!

Mastercard, Visa, and PayPal Earnings Are Coming. Here's What to Expect.<blockquote>万事达卡、Visa卡和PayPal卡的财报即将公布。这是可以期待的。</blockquote>

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Online shopping hits a new high!&nbsp;</p></body></html>","htmlText":"<html><head></head><body><p>Explosion of revenue! Online shopping hits a new high!&nbsp;</p></body></html>","text":"Explosion of revenue! Online shopping hits a new high!","highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"link":"https://laohu8.com/post/630150643","repostId":1132830350,"repostType":4,"repost":{"id":"1132830350","kind":"news","weMediaInfo":{"introduction":"Providing stock market headlines, business news, financials and earnings ","home_visible":1,"media_name":"Tiger Newspress","id":"1079075236","head_image":"https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba"},"pubTimestamp":1642744904,"share":"https://www.laohu8.com/m/news/1132830350?lang=zh_CN&edition=full","pubTime":"2022-01-21 14:01","market":"us","language":"en","title":"Mastercard, Visa, and PayPal Earnings Are Coming. Here's What to Expect.<blockquote>万事达卡、Visa卡和PayPal卡的财报即将公布。这是可以期待的。</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1132830350","media":"Tiger Newspress","summary":"Mastercard, Visa, and PayPal are about to report earnings, so let's take a look at what investors ne","content":"<p><html><head></head><body>Mastercard, Visa, and PayPal are about to report earnings, so let&#39;s take a look at what investors need to know.</p><p><blockquote><html><head></head><body>万事达卡、Visa卡和PayPal卡即将公布财报，让我们来看看投资者需要了解的内容。</body></html></blockquote></p><p><h3>Mastercard</h3>Mastercard is set to release its earnings data before the market opens on Thursday, January 27th.</p><p><blockquote><h3>万事达卡</h3>万事达卡将于1月27日星期四开盘前发布盈利数据。</blockquote></p><p>Analysts expect the company to announce earnings of $2.19 per share for the quarter.</p><p><blockquote>分析师预计该公司将公布本季度每股收益2.19美元。</blockquote></p><p>Analysts think disruption in the payments space could continue to weigh on Mastercard.</p><p><blockquote>分析师认为，支付领域的混乱可能会继续给万事达卡带来压力。</blockquote></p><p>There&#39;s a lot of disruption in the fintech space right now, and there are fears that hefty margins enjoyed by credit card companies for many years may be in jeopardy.</p><p><blockquote>目前金融科技领域存在很多混乱，人们担心信用卡公司多年来享有的高额利润可能会受到威胁。</blockquote></p><p>Undoubtedly, Buy Now Pay Later (BNPL) is a hot trend in the fintech space, promising no interest on payment plans based on fixed installments. For consumers, it&#39;s a great deal versus the incredibly high interest on credit card debt, arguably one of the priciest debts to have aside from pay-day loan debt.</p><p><blockquote>毫无疑问，先买后付(BNPL)是金融科技领域的热门趋势，它承诺对基于固定分期付款的付款计划不收取利息。对于消费者来说，与信用卡债务令人难以置信的高利息相比，这是一笔划算的交易，信用卡债务可以说是除了发薪日贷款债务之外最昂贵的债务之一。</blockquote></p><p>With digital retail kingpin Amazon previously remarking on high fees on Visa (V) cards, retailers could side with consumers as up-and-comers duke it out in the payments space in what could become a race to the bottom in terms of rates charged on consumer debts.</p><p><blockquote>随着数字零售巨头亚马逊此前对Visa(V)卡的高额费用发表评论，零售商可能会站在消费者一边，因为后起之秀在支付领域一决高下，这可能会成为一场消费者债务费率的逐底竞赛。</blockquote></p><p>Analysts view the rise of BNPL firms and ongoing disruption in the payments space as a potentially long-lasting headwind that could continue to weigh on many incumbents.</p><p><blockquote>分析师认为，BNPL公司的崛起和支付领域的持续混乱可能是一个长期的阻力，可能会继续给许多现有公司带来压力。</blockquote></p><p>While credit card issuers have created their own BNPL offerings, such moves are unlikely to stop the erosion of margins in credit cards that have helped firms like Mastercard and Visa grow earnings at an enviable pace over the years.</p><p><blockquote>尽管信用卡发行商已经创建了自己的BNPL产品，但此类举措不太可能阻止信用卡利润率的侵蚀，而信用卡多年来帮助万事达卡和Visa等公司以令人羡慕的速度增长了盈利。</blockquote></p><p><h3>Visa</h3>Visa is scheduled to be announcing its earnings results after the market closes on Thursday, January 27th.</p><p><blockquote><h3>签证</h3>Visa计划于1月27日星期四收盘后公布财报。</blockquote></p><p>This global payments processor is expected to post quarterly earnings of $1.69 per share in its upcoming report, which represents a year-over-year change of 19%.</p><p><blockquote>这家全球支付处理商预计将在即将发布的报告中公布季度收益为每股1.69美元，同比变化19%。</blockquote></p><p>Revenues are expected to be $6.76 billion, up 18.9% from the year-ago quarter.</p><p><blockquote>收入预计为67.6亿美元，比去年同期增长18.9%。</blockquote></p><p>Visa has launched multiple cryptocurrency initiatives in recent years as the company seeks to remain relevant in the changing payment industry. The company viewed cryptocurrency as a massive expansion from the fiat currency as more consumers recognized the value of the decentralized system. In addition, Visa also seeks to enhance its cross-border payment solutions as more fintech delivers more transparency and value to consumers.</p><p><blockquote>近年来，Visa推出了多项加密货币计划，该公司寻求在不断变化的支付行业中保持相关性。随着越来越多的消费者认识到去中心化系统的价值，该公司将加密货币视为法定货币的大规模扩张。此外，随着更多金融科技为消费者提供更多透明度和价值，Visa还寻求增强其跨境支付解决方案。</blockquote></p><p>The cryptocurrency market experienced extreme growth by the end of 2021, surpassing $3T of value in November, representing an increase of 375% since the start of the year. In addition, Bitcoin hit its all-time high of $68.7K on 10 November 2021, while Ether hit $4.4K on 11 November 2021.</p><p><blockquote>到2021年底，加密货币市场经历了极端增长，11月份价值超过3T美元，自年初以来增长了375%。此外，比特币在2021年11月10日触及6.87万美元的历史高点，而以太币在2021年11月11日触及4.4万美元。</blockquote></p><p>Analysts expect the cryptocurrency market to perform well as a long-term digital asset with increased institutional adoption and federal government regulation. As a result, it made sense for Visa to perform a crucial bridging role between &#34;banks, crypto trading, and custody platforms,&#34; as more consumers embrace the decentralized currency. Moving forward, Analysts expect to see Visa flourish alongside the cryptocurrency market&#39;s macro growth trends.</p><p><blockquote>分析师预计，随着机构采用和联邦政府监管的增加，加密货币市场作为长期数字资产将表现良好。因此，随着越来越多的消费者接受这种去中心化货币，Visa在“银行、加密交易和托管平台”之间发挥至关重要的桥梁作用是有意义的。展望未来，分析师预计Visa将随着加密货币市场的宏观增长趋势而蓬勃发展。</blockquote></p><p>In December 2021, Visa reported that it had acquired Currencycloud, a B2B cross-border payments solution, in a £700M deal. The company expects to further enhance its existing cross-border payments through the acquisition, on top of its current strategic partnership since 2019. Currencycloud currently supports 500 banking and technology clients in 180 countries, with over $5B in monthly cross-border transactions. Globally, around $1.9T of payment revenues are reported in 2020, with the number expected to rise to $2.5T by 2025, at a CAGR of 5.64%. It shows that global businesses are growing exponentially and that legacy payment platforms like Visa needs to innovate to stay competitive.</p><p><blockquote>2021年12月，Visa宣布以7亿英镑的价格收购了B2B跨境支付解决方案Currencycloud。该公司预计在2019年以来的战略合作伙伴关系基础上，通过此次收购进一步增强其现有的跨境支付。Currencycloud目前支持180个国家的500家银行和技术客户，每月跨境交易超过50亿美元。据报道，2020年全球支付收入约为1.9 T美元，预计到2025年这一数字将升至2.5 T美元，CAGR为5.64%。这表明全球企业正在呈指数级增长，Visa等传统支付平台需要创新才能保持竞争力。</blockquote></p><p>As a result, Visa and its consumers stand to gain from the enhanced cross-border payments as global B2B businesses and eCommerce becomes more mainstream.</p><p><blockquote>因此，随着全球B2B业务和电子商务变得更加主流，Visa及其消费者将从跨境支付的增强中受益。</blockquote></p><p><h3>PayPal</h3>Early next month, PayPal will deliver 4Q21’s financials, and after lowering expectations last quarter, Deutsche Bank’s Bryan Keane expects the digital payments giant to deliver “steady growth.”</p><p><blockquote><h3>PayPal</h3>下月初，PayPal将公布2021年第四季度的财务数据，在上季度下调预期后，德银的布莱恩·基恩预计这家数字支付巨头将实现“稳定增长”。</blockquote></p><p>Boosted by ~24% year-over-year TPV growth, the analyst anticipates PYPL will generate revenue growth of ~12.9% and EPS of $1.12.</p><p><blockquote>在TPV同比增长约24%的推动下，分析师预计PYPL的收入将增长约12.9%，每股收益将达到1.12美元。</blockquote></p><p>That said, Keane does not foresee any unexpected fireworks. “Given the latest quarterly trends in eComm, continued supply-chain issues, delta/omicron, and eBay headwinds, we see relatively limited upside again this quarter,” said the 5-star analyst.</p><p><blockquote>也就是说，基恩没有预见到任何意想不到的烟花。这位五星级分析师表示：“鉴于eComm的最新季度趋势、持续的供应链问题、达美航空/奥密克戎和eBay的不利因素，我们认为本季度的上涨空间再次相对有限。”</blockquote></p><p>Looking at PayPal’s monthly users trends, Keane’s expected results appear in the same ballpark as the quarter’s action. Unique Visitors (UVs) rose by 14% sequentially from 676.8 million to 769 million and came in 11% above the figure reported during the same period last year.</p><p><blockquote>从PayPal的月度用户趋势来看，基恩的预期结果与本季度的表现大致相同。独立访客(UV)环比增长14%，从6.768亿增至7.69亿，比去年同期增长11%。</blockquote></p><p></p><p><img src=\"https://static.tigerbbs.com/d650fa1f74de4036b93480e5e8873a41\" tg-width=\"554\" tg-height=\"218\" referrerpolicy=\"no-referrer\"/>Looking ahead to 1Q22, similar to 4Q21, given the “more difficult comps” yet offset by “moderating eBay headwinds,” Keane thinks PayPal will “potentially” guide to cc revenue growth of ~12-14%.</p><p><blockquote>展望2022年第一季度，与2021年第四季度类似，考虑到“更困难的比较”但被“eBay不利因素缓和”所抵消，Keane认为PayPal将“潜在”引导cc收入增长约12-14%。</blockquote></p><p>That, however, “should mark the trough as growth rates steady and start to re-accelerate.” In fact, by 4Q22, Keane anticipates revenue growth will increase to 20% year-over-year with EPS potentially seeing out 2022 up by 25%. This is due to both easier comps and the addition of “modest incremental momentum” from the Super App.</p><p><blockquote>然而，这“应该标志着增长率稳定并开始重新加速的低谷。”事实上，根据2022年第四季度，基恩预计收入同比增长将增至20%，2022年每股收益可能增长25%。这是由于更容易的comps和超级应用程序增加了“适度的增量动力”。</blockquote></p><p>In September, the company launched the first version of the Super App, which mixes services such as BNPL and crypto with “new products” including high-yield savings, in-app shopping tools, deals, rewards and bill pay. Over the coming months, the app’s features will be further enhanced with the introduction of additional investment capabilities, new online and in-store shopping processes, and “better PYPL branded capabilities.” The company also recently announced it is looking at potentially adding its own stablecoin.</p><p><blockquote>9月，该公司推出了第一个版本的超级应用程序，该应用程序将BNPL和加密等服务与包括高收益储蓄、应用内购物工具、交易、奖励和账单支付在内的“新产品”相结合。未来几个月，该应用程序的功能将进一步增强，引入额外的投资功能、新的在线和店内购物流程以及“更好的PYPL品牌功能”。该公司最近还宣布，它正在考虑添加自己的稳定币。</blockquote></p><p>Keane reiterated a Buy rating while sticking to a $260 price target.</p><p><blockquote>Keane重申了买入评级，同时坚持260美元的目标价。</blockquote></p><p></body></html></p><p><blockquote></blockquote></p><p></p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Mastercard, Visa, and PayPal Earnings Are Coming. Here's What to Expect.<blockquote>万事达卡、Visa卡和PayPal卡的财报即将公布。这是可以期待的。</blockquote></title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nMastercard, Visa, and PayPal Earnings Are Coming. Here's What to Expect.<blockquote>万事达卡、Visa卡和PayPal卡的财报即将公布。这是可以期待的。</blockquote>\n</h2>\n<h4 class=\"meta\">\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1079075236\">\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Tiger Newspress </p>\n<p class=\"h-time smaller\">2022-01-21 14:01</p>\n</div>\n</a>\n</h4>\n</header>\n<article>\n<p><html><head></head><body>Mastercard, Visa, and PayPal are about to report earnings, so let&#39;s take a look at what investors need to know.</p><p><blockquote><html><head></head><body>万事达卡、Visa卡和PayPal卡即将公布财报，让我们来看看投资者需要了解的内容。</body></html></blockquote></p><p><h3>Mastercard</h3>Mastercard is set to release its earnings data before the market opens on Thursday, January 27th.</p><p><blockquote><h3>万事达卡</h3>万事达卡将于1月27日星期四开盘前发布盈利数据。</blockquote></p><p>Analysts expect the company to announce earnings of $2.19 per share for the quarter.</p><p><blockquote>分析师预计该公司将公布本季度每股收益2.19美元。</blockquote></p><p>Analysts think disruption in the payments space could continue to weigh on Mastercard.</p><p><blockquote>分析师认为，支付领域的混乱可能会继续给万事达卡带来压力。</blockquote></p><p>There&#39;s a lot of disruption in the fintech space right now, and there are fears that hefty margins enjoyed by credit card companies for many years may be in jeopardy.</p><p><blockquote>目前金融科技领域存在很多混乱，人们担心信用卡公司多年来享有的高额利润可能会受到威胁。</blockquote></p><p>Undoubtedly, Buy Now Pay Later (BNPL) is a hot trend in the fintech space, promising no interest on payment plans based on fixed installments. For consumers, it&#39;s a great deal versus the incredibly high interest on credit card debt, arguably one of the priciest debts to have aside from pay-day loan debt.</p><p><blockquote>毫无疑问，先买后付(BNPL)是金融科技领域的热门趋势，它承诺对基于固定分期付款的付款计划不收取利息。对于消费者来说，与信用卡债务令人难以置信的高利息相比，这是一笔划算的交易，信用卡债务可以说是除了发薪日贷款债务之外最昂贵的债务之一。</blockquote></p><p>With digital retail kingpin Amazon previously remarking on high fees on Visa (V) cards, retailers could side with consumers as up-and-comers duke it out in the payments space in what could become a race to the bottom in terms of rates charged on consumer debts.</p><p><blockquote>随着数字零售巨头亚马逊此前对Visa(V)卡的高额费用发表评论，零售商可能会站在消费者一边，因为后起之秀在支付领域一决高下，这可能会成为一场消费者债务费率的逐底竞赛。</blockquote></p><p>Analysts view the rise of BNPL firms and ongoing disruption in the payments space as a potentially long-lasting headwind that could continue to weigh on many incumbents.</p><p><blockquote>分析师认为，BNPL公司的崛起和支付领域的持续混乱可能是一个长期的阻力，可能会继续给许多现有公司带来压力。</blockquote></p><p>While credit card issuers have created their own BNPL offerings, such moves are unlikely to stop the erosion of margins in credit cards that have helped firms like Mastercard and Visa grow earnings at an enviable pace over the years.</p><p><blockquote>尽管信用卡发行商已经创建了自己的BNPL产品，但此类举措不太可能阻止信用卡利润率的侵蚀，而信用卡多年来帮助万事达卡和Visa等公司以令人羡慕的速度增长了盈利。</blockquote></p><p><h3>Visa</h3>Visa is scheduled to be announcing its earnings results after the market closes on Thursday, January 27th.</p><p><blockquote><h3>签证</h3>Visa计划于1月27日星期四收盘后公布财报。</blockquote></p><p>This global payments processor is expected to post quarterly earnings of $1.69 per share in its upcoming report, which represents a year-over-year change of 19%.</p><p><blockquote>这家全球支付处理商预计将在即将发布的报告中公布季度收益为每股1.69美元，同比变化19%。</blockquote></p><p>Revenues are expected to be $6.76 billion, up 18.9% from the year-ago quarter.</p><p><blockquote>收入预计为67.6亿美元，比去年同期增长18.9%。</blockquote></p><p>Visa has launched multiple cryptocurrency initiatives in recent years as the company seeks to remain relevant in the changing payment industry. The company viewed cryptocurrency as a massive expansion from the fiat currency as more consumers recognized the value of the decentralized system. In addition, Visa also seeks to enhance its cross-border payment solutions as more fintech delivers more transparency and value to consumers.</p><p><blockquote>近年来，Visa推出了多项加密货币计划，该公司寻求在不断变化的支付行业中保持相关性。随着越来越多的消费者认识到去中心化系统的价值，该公司将加密货币视为法定货币的大规模扩张。此外，随着更多金融科技为消费者提供更多透明度和价值，Visa还寻求增强其跨境支付解决方案。</blockquote></p><p>The cryptocurrency market experienced extreme growth by the end of 2021, surpassing $3T of value in November, representing an increase of 375% since the start of the year. In addition, Bitcoin hit its all-time high of $68.7K on 10 November 2021, while Ether hit $4.4K on 11 November 2021.</p><p><blockquote>到2021年底，加密货币市场经历了极端增长，11月份价值超过3T美元，自年初以来增长了375%。此外，比特币在2021年11月10日触及6.87万美元的历史高点，而以太币在2021年11月11日触及4.4万美元。</blockquote></p><p>Analysts expect the cryptocurrency market to perform well as a long-term digital asset with increased institutional adoption and federal government regulation. As a result, it made sense for Visa to perform a crucial bridging role between &#34;banks, crypto trading, and custody platforms,&#34; as more consumers embrace the decentralized currency. Moving forward, Analysts expect to see Visa flourish alongside the cryptocurrency market&#39;s macro growth trends.</p><p><blockquote>分析师预计，随着机构采用和联邦政府监管的增加，加密货币市场作为长期数字资产将表现良好。因此，随着越来越多的消费者接受这种去中心化货币，Visa在“银行、加密交易和托管平台”之间发挥至关重要的桥梁作用是有意义的。展望未来，分析师预计Visa将随着加密货币市场的宏观增长趋势而蓬勃发展。</blockquote></p><p>In December 2021, Visa reported that it had acquired Currencycloud, a B2B cross-border payments solution, in a £700M deal. The company expects to further enhance its existing cross-border payments through the acquisition, on top of its current strategic partnership since 2019. Currencycloud currently supports 500 banking and technology clients in 180 countries, with over $5B in monthly cross-border transactions. Globally, around $1.9T of payment revenues are reported in 2020, with the number expected to rise to $2.5T by 2025, at a CAGR of 5.64%. It shows that global businesses are growing exponentially and that legacy payment platforms like Visa needs to innovate to stay competitive.</p><p><blockquote>2021年12月，Visa宣布以7亿英镑的价格收购了B2B跨境支付解决方案Currencycloud。该公司预计在2019年以来的战略合作伙伴关系基础上，通过此次收购进一步增强其现有的跨境支付。Currencycloud目前支持180个国家的500家银行和技术客户，每月跨境交易超过50亿美元。据报道，2020年全球支付收入约为1.9 T美元，预计到2025年这一数字将升至2.5 T美元，CAGR为5.64%。这表明全球企业正在呈指数级增长，Visa等传统支付平台需要创新才能保持竞争力。</blockquote></p><p>As a result, Visa and its consumers stand to gain from the enhanced cross-border payments as global B2B businesses and eCommerce becomes more mainstream.</p><p><blockquote>因此，随着全球B2B业务和电子商务变得更加主流，Visa及其消费者将从跨境支付的增强中受益。</blockquote></p><p><h3>PayPal</h3>Early next month, PayPal will deliver 4Q21’s financials, and after lowering expectations last quarter, Deutsche Bank’s Bryan Keane expects the digital payments giant to deliver “steady growth.”</p><p><blockquote><h3>PayPal</h3>下月初，PayPal将公布2021年第四季度的财务数据，在上季度下调预期后，德银的布莱恩·基恩预计这家数字支付巨头将实现“稳定增长”。</blockquote></p><p>Boosted by ~24% year-over-year TPV growth, the analyst anticipates PYPL will generate revenue growth of ~12.9% and EPS of $1.12.</p><p><blockquote>在TPV同比增长约24%的推动下，分析师预计PYPL的收入将增长约12.9%，每股收益将达到1.12美元。</blockquote></p><p>That said, Keane does not foresee any unexpected fireworks. “Given the latest quarterly trends in eComm, continued supply-chain issues, delta/omicron, and eBay headwinds, we see relatively limited upside again this quarter,” said the 5-star analyst.</p><p><blockquote>也就是说，基恩没有预见到任何意想不到的烟花。这位五星级分析师表示：“鉴于eComm的最新季度趋势、持续的供应链问题、达美航空/奥密克戎和eBay的不利因素，我们认为本季度的上涨空间再次相对有限。”</blockquote></p><p>Looking at PayPal’s monthly users trends, Keane’s expected results appear in the same ballpark as the quarter’s action. Unique Visitors (UVs) rose by 14% sequentially from 676.8 million to 769 million and came in 11% above the figure reported during the same period last year.</p><p><blockquote>从PayPal的月度用户趋势来看，基恩的预期结果与本季度的表现大致相同。独立访客(UV)环比增长14%，从6.768亿增至7.69亿，比去年同期增长11%。</blockquote></p><p></p><p><img src=\"https://static.tigerbbs.com/d650fa1f74de4036b93480e5e8873a41\" tg-width=\"554\" tg-height=\"218\" referrerpolicy=\"no-referrer\"/>Looking ahead to 1Q22, similar to 4Q21, given the “more difficult comps” yet offset by “moderating eBay headwinds,” Keane thinks PayPal will “potentially” guide to cc revenue growth of ~12-14%.</p><p><blockquote>展望2022年第一季度，与2021年第四季度类似，考虑到“更困难的比较”但被“eBay不利因素缓和”所抵消，Keane认为PayPal将“潜在”引导cc收入增长约12-14%。</blockquote></p><p>That, however, “should mark the trough as growth rates steady and start to re-accelerate.” In fact, by 4Q22, Keane anticipates revenue growth will increase to 20% year-over-year with EPS potentially seeing out 2022 up by 25%. This is due to both easier comps and the addition of “modest incremental momentum” from the Super App.</p><p><blockquote>然而，这“应该标志着增长率稳定并开始重新加速的低谷。”事实上，根据2022年第四季度，基恩预计收入同比增长将增至20%，2022年每股收益可能增长25%。这是由于更容易的comps和超级应用程序增加了“适度的增量动力”。</blockquote></p><p>In September, the company launched the first version of the Super App, which mixes services such as BNPL and crypto with “new products” including high-yield savings, in-app shopping tools, deals, rewards and bill pay. Over the coming months, the app’s features will be further enhanced with the introduction of additional investment capabilities, new online and in-store shopping processes, and “better PYPL branded capabilities.” The company also recently announced it is looking at potentially adding its own stablecoin.</p><p><blockquote>9月，该公司推出了第一个版本的超级应用程序，该应用程序将BNPL和加密等服务与包括高收益储蓄、应用内购物工具、交易、奖励和账单支付在内的“新产品”相结合。未来几个月，该应用程序的功能将进一步增强，引入额外的投资功能、新的在线和店内购物流程以及“更好的PYPL品牌功能”。该公司最近还宣布，它正在考虑添加自己的稳定币。</blockquote></p><p>Keane reiterated a Buy rating while sticking to a $260 price target.</p><p><blockquote>Keane重申了买入评级，同时坚持260美元的目标价。</blockquote></p><p></body></html></p><p><blockquote></blockquote></p><p></p>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"V":"Visa","PYPL":"PayPal","MA":"万事达"},"source_url":"","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1132830350","content_text":"Mastercard, Visa, and PayPal are about to report earnings, so let's take a look at what investors need to know.MastercardMastercard is set to release its earnings data before the market opens on Thursday, January 27th.Analysts expect the company to announce earnings of $2.19 per share for the quarter.Analysts think disruption in the payments space could continue to weigh on Mastercard.There's a lot of disruption in the fintech space right now, and there are fears that hefty margins enjoyed by credit card companies for many years may be in jeopardy.Undoubtedly, Buy Now Pay Later (BNPL) is a hot trend in the fintech space, promising no interest on payment plans based on fixed installments. For consumers, it's a great deal versus the incredibly high interest on credit card debt, arguably one of the priciest debts to have aside from pay-day loan debt.With digital retail kingpin Amazon previously remarking on high fees on Visa (V) cards, retailers could side with consumers as up-and-comers duke it out in the payments space in what could become a race to the bottom in terms of rates charged on consumer debts.Analysts view the rise of BNPL firms and ongoing disruption in the payments space as a potentially long-lasting headwind that could continue to weigh on many incumbents.While credit card issuers have created their own BNPL offerings, such moves are unlikely to stop the erosion of margins in credit cards that have helped firms like Mastercard and Visa grow earnings at an enviable pace over the years.VisaVisa is scheduled to be announcing its earnings results after the market closes on Thursday, January 27th.This global payments processor is expected to post quarterly earnings of $1.69 per share in its upcoming report, which represents a year-over-year change of 19%.Revenues are expected to be $6.76 billion, up 18.9% from the year-ago quarter.Visa has launched multiple cryptocurrency initiatives in recent years as the company seeks to remain relevant in the changing payment industry. The company viewed cryptocurrency as a massive expansion from the fiat currency as more consumers recognized the value of the decentralized system. In addition, Visa also seeks to enhance its cross-border payment solutions as more fintech delivers more transparency and value to consumers.The cryptocurrency market experienced extreme growth by the end of 2021, surpassing $3T of value in November, representing an increase of 375% since the start of the year. In addition, Bitcoin hit its all-time high of $68.7K on 10 November 2021, while Ether hit $4.4K on 11 November 2021.Analysts expect the cryptocurrency market to perform well as a long-term digital asset with increased institutional adoption and federal government regulation. As a result, it made sense for Visa to perform a crucial bridging role between \"banks, crypto trading, and custody platforms,\" as more consumers embrace the decentralized currency. Moving forward, Analysts expect to see Visa flourish alongside the cryptocurrency market's macro growth trends.In December 2021, Visa reported that it had acquired Currencycloud, a B2B cross-border payments solution, in a £700M deal. The company expects to further enhance its existing cross-border payments through the acquisition, on top of its current strategic partnership since 2019. Currencycloud currently supports 500 banking and technology clients in 180 countries, with over $5B in monthly cross-border transactions. Globally, around $1.9T of payment revenues are reported in 2020, with the number expected to rise to $2.5T by 2025, at a CAGR of 5.64%. It shows that global businesses are growing exponentially and that legacy payment platforms like Visa needs to innovate to stay competitive.As a result, Visa and its consumers stand to gain from the enhanced cross-border payments as global B2B businesses and eCommerce becomes more mainstream.PayPalEarly next month, PayPal will deliver 4Q21’s financials, and after lowering expectations last quarter, Deutsche Bank’s Bryan Keane expects the digital payments giant to deliver “steady growth.”Boosted by ~24% year-over-year TPV growth, the analyst anticipates PYPL will generate revenue growth of ~12.9% and EPS of $1.12.That said, Keane does not foresee any unexpected fireworks. “Given the latest quarterly trends in eComm, continued supply-chain issues, delta/omicron, and eBay headwinds, we see relatively limited upside again this quarter,” said the 5-star analyst.Looking at PayPal’s monthly users trends, Keane’s expected results appear in the same ballpark as the quarter’s action. Unique Visitors (UVs) rose by 14% sequentially from 676.8 million to 769 million and came in 11% above the figure reported during the same period last year.Looking ahead to 1Q22, similar to 4Q21, given the “more difficult comps” yet offset by “moderating eBay headwinds,” Keane thinks PayPal will “potentially” guide to cc revenue growth of ~12-14%.That, however, “should mark the trough as growth rates steady and start to re-accelerate.” In fact, by 4Q22, Keane anticipates revenue growth will increase to 20% year-over-year with EPS potentially seeing out 2022 up by 25%. This is due to both easier comps and the addition of “modest incremental momentum” from the Super App.In September, the company launched the first version of the Super App, which mixes services such as BNPL and crypto with “new products” including high-yield savings, in-app shopping tools, deals, rewards and bill pay. Over the coming months, the app’s features will be further enhanced with the introduction of additional investment capabilities, new online and in-store shopping processes, and “better PYPL branded capabilities.” The company also recently announced it is looking at potentially adding its own stablecoin.Keane reiterated a Buy rating while sticking to a $260 price target.","news_type":1,"symbols_score_info":{"PYPL":0.9,"V":0.9,"MA":0.9}},"isVote":1,"tweetType":1,"viewCount":1910,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":[],"verified":2,"subType":0,"readableState":1,"langContent":"CN","currentLanguage":"CN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"andRepostAutoSelectedFlag":false,"upFlag":false,"length":46,"xxTargetLangEnum":"ZH_CN"},"commentList":[],"isCommentEnd":true,"isTiger":false,"isWeiXinMini":false,"url":"/m/post/630150643"}