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2021-01-28

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3 Recent IPOs to Add to Your Watchlist<blockquote>最近的3起IPO将添加到您的观察列表中</blockquote>

Investors are captivated by hot IPOs because they're the earliest opportunity to invest in an exciti

3 Recent IPOs to Add to Your Watchlist<blockquote>最近的3起IPO将添加到您的观察列表中</blockquote>

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{"i18n":{"language":"zh_CN"},"data":{"magic":2,"id":318006490,"tweetId":"318006490","gmtCreate":1611834831510,"gmtModify":1703754509359,"author":{"id":3566104013703099,"idStr":"3566104013703099","authorId":3566104013703099,"authorIdStr":"3566104013703099","name":"Yanqi94","avatar":"https://static.tigerbbs.com/3cf445159acd35039e1b9d2d3c592a8a","vip":1,"userType":1,"introduction":"","boolIsFan":false,"boolIsHead":false,"crmLevel":11,"crmLevelSwitch":0,"individualDisplayBadges":[],"fanSize":0,"starInvestorFlag":false},"themes":[],"images":[],"coverImages":[],"extraTitle":"","html":"<html><head></head><body>Gooood</body></html>","htmlText":"<html><head></head><body>Gooood</body></html>","text":"Gooood","highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"link":"https://laohu8.com/post/318006490","repostId":1180756542,"repostType":4,"repost":{"id":"1180756542","kind":"news","pubTimestamp":1611818719,"share":"https://www.laohu8.com/m/news/1180756542?lang=zh_CN&edition=full","pubTime":"2021-01-28 15:25","market":"us","language":"en","title":"3 Recent IPOs to Add to Your Watchlist<blockquote>最近的3起IPO将添加到您的观察列表中</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1180756542","media":"Nasdaq","summary":"Investors are captivated by hot IPOs because they're the earliest opportunity to invest in an exciti","content":"Investors are captivated by hot&nbsp;IPOs&nbsp;because they're the earliest opportunity to invest in an exciting company. But you can earn fantastic gains even if you miss that eye-catching first-day pop if that company is built for long-term success. All three companies I'm featuring today are challengers that are changing how business is done in their respective industries.Lemonade(NYSE: <a href=\"https://laohu8.com/S/LMND\">$(LMND)$</a>),Airbnb(NASDAQ: <a href=\"https://laohu8.com/S/ABNB\">$(ABNB)$</a>), andAffirm Holdings(NASDAQ: <a href=\"https://laohu8.com/S/AFRM\">$(AFRM)$</a>)have a lot to offer investors even after their initial public offerings and are worth watching.<blockquote>投资者被热门的IPO所吸引，因为它们是投资一家令人兴奋的公司的最早机会。但如果该公司是为了长期成功而建立的，即使您错过了引人注目的首日热门，您也可以获得惊人的收益。我今天介绍的这三家公司都是挑战者，它们正在改变各自行业的经营方式。柠檬汽水（纽约证券交易所：<a href=\"https://laohu8.com/S/LMND\">$(LMND)$</a>),爱彼迎（纳斯达克：<a href=\"https://laohu8.com/S/ABNB\">$(ABNB)$</a>），以及确认控股（纳斯达克：<a href=\"https://laohu8.com/S/AFRM\">$(AFRM)$</a>）即使在首次公开募股之后，也有很多东西可以为投资者提供，值得关注。</blockquote>Sponsored LinksPlay the most challenging WWII strategy game, no install neededCall of War | World War IIConsumer-centric insurance technology<blockquote>赞助链接玩最具挑战性的二战策略游戏，无需安装战争召唤|二战以消费者为中心的保险技术</blockquote>While fintech (financial technology) has changed the way people bank and make purchases, insurance has been largely left out of the revolution. Enter Lemonade, which is trying to upgrade insurance for the 21st century.<blockquote>虽然fintech（金融科技）改变了人们银行和购物的方式，但保险在很大程度上被排除在这场革命之外。进入柠檬水，它试图升级21世纪的保险。</blockquote>Lemonade offers homeowners, renters, and pet insurance in the U.S. and several other countries. It prides itself on \"instant everything,\" and uses behavioral economics and artificial intelligence to offer policies and approve claims completely online. Lemonade's intake chatbot asks the applicant questions to determine accurate pricing and give a quote in seconds. About 30% of claims are taken care of by another bot in as little as three minutes, and approved funds are instantly transferred to the claimant's bank account. The company keeps a flat 25% fee from each policy and passes on the rest to a third-party reinsurer to handle claims. Customers can donate remaining money after claims and payments to a charity of their choosing.<blockquote>Lemonade为美国和其他几个国家的房主、租房者和宠物提供保险。它以“即时一切”而自豪，并使用行为经济学和人工智能完全在线提供保单和批准索赔。Lemonade的intake聊天机器人会向申请人提问，以确定准确的定价，并在几秒钟内给出报价。大约30%的索赔由另一个机器人在短短三分钟内处理，批准的资金立即转入索赔人的银行账户。该公司从每份保单中收取25%的固定费用，并将其余费用转嫁给第三方再保险公司来处理索赔。客户可以将索赔和付款后的剩余资金捐赠给他们选择的慈善机构。</blockquote><img src=\"https://static.tigerbbs.com/30b284af113c2b4d0df7ea59151db25a\" tg-width=\"700\" tg-height=\"466\" referrerpolicy=\"no-referrer\"><blockquote></blockquote>Image source: Getty Images.<blockquote>图片来源：盖蒂图片社。</blockquote>Lemonade has traditional insurance companies as its competitors, but there isn't any other home insurance company that's digitally focused, putting it in a class by itself. The transparent and customer-friendly approach to a normally unappealing part of life is clearly resonating with homeowners and renters, as the company topped 1 million customers in December in only four years of operation.<blockquote>Lemonade的竞争对手是传统保险公司，但没有任何其他家庭保险公司专注于数字化，使其独树一帜。对通常没有吸引力的生活部分采取透明和客户友好的方式显然引起了房主和租房者的共鸣，因为该公司在短短四年的运营中于12月拥有超过100万客户。</blockquote>Other notable signs of progress are gross earned premium, which increased 104% in the third quarter of 2020, and gross loss ratio, which decreased 8 percentage points over the prior year to 72%.<blockquote>其他显着的进展迹象包括毛保费收入（2020年第三季度增长104%）和毛损失率（比上年下降8个百分点至72%）。</blockquote>I'm a big fan of Lemonade, and I think it has tons of value for investorsas it disrupts the insurance industryand gains millions of customers. Even at an outsized valuation of 88 times sales at recent prices, Lemonade is a stock you should be keeping an eye on.<blockquote>我是柠檬水的忠实粉丝，我认为它对投资者来说具有巨大的价值，因为它颠覆了保险业并赢得了数百万客户。即使按近期价格计算，Lemonade的估值是销售额的88倍，但仍是您应该关注的股票。</blockquote>Revolutionizing travel<blockquote>彻底改变旅行</blockquote>Airbnb has upended the travel industry by creating a marketplace for global house and room rentals and experiences. The company's debut in December was <a href=\"https://laohu8.com/S/AONE.U\">one</a> of the hottest IPOs in 2020, and the price is up 45% in 2021.<blockquote>爱彼迎通过创建全球房屋和房间租赁和体验市场颠覆了旅游业。该公司12月份的首次亮相是<a href=\"https://laohu8.com/S/AONE.U\">一</a>2020年最热门的IPO，2021年价格上涨45%。</blockquote><img src=\"https://static.tigerbbs.com/0340c7880c0a59ddbd5b12f964ba697a\" tg-width=\"700\" tg-height=\"466\" referrerpolicy=\"no-referrer\"><blockquote></blockquote>Image source: Airbnb.<blockquote>图片来源：爱彼迎。</blockquote>It's not all rosy. Gross booking volume (GBV) decreased 39% in the first nine months of 2020 and revenue decreased 32% as the pandemic crushed the travel industry.Airbnb is still operating at a loss, and a steep <a href=\"https://laohu8.com/S/AONE\">one</a> -- $700 million for the first nine months of 2021.<blockquote>并不全是美好的。由于疫情重创旅游业，2020年前9个月的总预订量(GBV)下降了39%，收入下降了32%。Airbnb仍在亏损运营，而且<a href=\"https://laohu8.com/S/AONE\">一</a>——2021年前9个月7亿美元。</blockquote>But that loss is an improvement of $375 million over the prior year. And even though the company expects more pain in the short term due to COVID-19, management sees a $3.4 trillion total addressable market -- and a path toward growth by investing in its brand and connections to unlock more hosting and engage its market, and innovating through its web site. We can see the strength of Airbnb's model in its pre-pandemic growth: GBV increased 29% in 2019, while revenue increased 32%.<blockquote>但这一损失比上一年减少了3.75亿美元。尽管该公司预计短期内会因COVID-19而带来更多痛苦，但管理层认为潜在市场总额为3.4万亿美元，并通过投资其品牌和关系来释放更多托管服务并参与市场，从而实现增长。并通过其网站进行创新。我们可以在大流行前的增长中看到爱彼迎模式的优势：2019年GBV增长了29%，而收入增长了32%。</blockquote>As vaccines roll out, the economy is gearing up for a travel resurgence, and Airbnb is going to be one of the recipients of pent-up demand. The company's operating model, as a marketplace for vacation rentals, is asset-light, making it agile and easily scalable. It's the future of travel, creating experiences in places unreachable before.<blockquote>随着疫苗的推出，经济正在为旅游业的复苏做准备，爱彼迎将成为被压抑需求的接受者之一。作为度假租赁市场，该公司的运营模式是轻资产的，使其敏捷且易于扩展。这是旅行的未来，在以前无法到达的地方创造体验。</blockquote>In the meantime, shares are trading at 32 times sales, which is quite high, but lower than the other stocks on this list. Even if investors are put off by the valuation, there's a lot of potential here, and you should definitely keep it on your watch list.<blockquote>与此同时，该股的交易价格是销售额的32倍，相当高，但低于名单上的其他股票。即使投资者对估值望而却步，这里也有很大的潜力，你绝对应该将其保留在你的观察名单上。</blockquote>Creative ways to make expensive purchases affordable<blockquote>让昂贵的购买变得负担得起的创造性方法</blockquote>Affirm wasone of the first IPOsof 2021, and it's already up 18% from its opening price on the first day of trading.<blockquote>Affirm是2021年首批IPO之一，交易首日开盘价已上涨18%。</blockquote>Affirm sees itself as an alternative to credit cards, and it offers buy now, pay later options so customers can more easily afford big purchases. The company sees this as a win-win for customers, who can get what they need without hidden interest or late fees, and merchants, who make more sales. Affirm gets money from both of those sides as well, in the form of payment processing fees for merchants and interest payments from customers.<blockquote>Affirm将自己视为信用卡的替代品，它提供“先买后付”选项，以便客户可以更轻松地购买大额商品。该公司认为这对于客户和商家来说是双赢的，客户可以在没有隐藏利息或滞纳金的情况下获得他们需要的东西，而商家可以增加销售额。Affirm也从这两方面获得资金，形式是商家的支付处理费和客户的利息支付。</blockquote><img src=\"https://static.tigerbbs.com/5e0472a0fc9869bff670cdadb0476872\" tg-width=\"700\" tg-height=\"465\" referrerpolicy=\"no-referrer\"><blockquote></blockquote>Image source: Affirm Holdings.<blockquote>图片来源：确认控股。</blockquote>The company's services are available through 6,500 merchant partners, includingWalmartandBest Buy. Revenue increased 93% over the prior year in 2020, and gross merchandise volume grew 77%.<blockquote>该公司的服务可通过6,500个商业合作伙伴获得，包括沃尔玛和百思买二零二零年的收入较上年增长93%，商品总量增长77%。</blockquote>Affirm's biggest sales partner isPeloton Interactive, which accounts for roughly 30% of total sales. But it recently inked a deal withShopifyto be its exclusive partner for buy now, pay later services, which should be another huge revenue boost.<blockquote>Affirm最大的销售合作伙伴是Peloton互动，约占总销售额的30%。但它最近与Shopify成为其“先买后付”服务的独家合作伙伴，这应该是另一个巨大的收入增长。</blockquote>It has yet to turn a profit, but as it increases its partner count and gains new, happy customers, it envisions a cyclical effect where both increase, leading to higher revenue and profits. I wouldn't recommend a buy here just yet, but it's one to keep on your watch list.<blockquote>它尚未扭亏为盈，但随着合作伙伴数量的增加并获得新的、满意的客户，它预计会出现周期性效应，两者都会增加，从而带来更高的收入和利润。我现在还不建议在这里购买，但它是您应该保留在观察列表中的一个。</blockquote>","source":"lsy1603171495471","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>3 Recent IPOs to Add to Your Watchlist<blockquote>最近的3起IPO将添加到您的观察列表中</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\">\n3 Recent IPOs to Add to Your Watchlist<blockquote>最近的3起IPO将添加到您的观察列表中</blockquote>\n</h2>\n<h4 class=\"meta\">\n\nNasdaq2021-01-28 15:25\n\n</h4>\n</header>\n<article>\nInvestors are captivated by hot&nbsp;IPOs&nbsp;because they're the earliest opportunity to invest in an exciting company. But you can earn fantastic gains even if you miss that eye-catching first-day pop if that company is built for long-term success. All three companies I'm featuring today are challengers that are changing how business is done in their respective industries.Lemonade(NYSE: <a href=\"https://laohu8.com/S/LMND\">$(LMND)$</a>),Airbnb(NASDAQ: <a href=\"https://laohu8.com/S/ABNB\">$(ABNB)$</a>), andAffirm Holdings(NASDAQ: <a href=\"https://laohu8.com/S/AFRM\">$(AFRM)$</a>)have a lot to offer investors even after their initial public offerings and are worth watching.<blockquote>投资者被热门的IPO所吸引，因为它们是投资一家令人兴奋的公司的最早机会。但如果该公司是为了长期成功而建立的，即使您错过了引人注目的首日热门，您也可以获得惊人的收益。我今天介绍的这三家公司都是挑战者，它们正在改变各自行业的经营方式。柠檬汽水（纽约证券交易所：<a href=\"https://laohu8.com/S/LMND\">$(LMND)$</a>),爱彼迎（纳斯达克：<a href=\"https://laohu8.com/S/ABNB\">$(ABNB)$</a>），以及确认控股（纳斯达克：<a href=\"https://laohu8.com/S/AFRM\">$(AFRM)$</a>）即使在首次公开募股之后，也有很多东西可以为投资者提供，值得关注。</blockquote>Sponsored LinksPlay the most challenging WWII strategy game, no install neededCall of War | World War IIConsumer-centric insurance technology<blockquote>赞助链接玩最具挑战性的二战策略游戏，无需安装战争召唤|二战以消费者为中心的保险技术</blockquote>While fintech (financial technology) has changed the way people bank and make purchases, insurance has been largely left out of the revolution. Enter Lemonade, which is trying to upgrade insurance for the 21st century.<blockquote>虽然fintech（金融科技）改变了人们银行和购物的方式，但保险在很大程度上被排除在这场革命之外。进入柠檬水，它试图升级21世纪的保险。</blockquote>Lemonade offers homeowners, renters, and pet insurance in the U.S. and several other countries. It prides itself on \"instant everything,\" and uses behavioral economics and artificial intelligence to offer policies and approve claims completely online. Lemonade's intake chatbot asks the applicant questions to determine accurate pricing and give a quote in seconds. About 30% of claims are taken care of by another bot in as little as three minutes, and approved funds are instantly transferred to the claimant's bank account. The company keeps a flat 25% fee from each policy and passes on the rest to a third-party reinsurer to handle claims. Customers can donate remaining money after claims and payments to a charity of their choosing.<blockquote>Lemonade为美国和其他几个国家的房主、租房者和宠物提供保险。它以“即时一切”而自豪，并使用行为经济学和人工智能完全在线提供保单和批准索赔。Lemonade的intake聊天机器人会向申请人提问，以确定准确的定价，并在几秒钟内给出报价。大约30%的索赔由另一个机器人在短短三分钟内处理，批准的资金立即转入索赔人的银行账户。该公司从每份保单中收取25%的固定费用，并将其余费用转嫁给第三方再保险公司来处理索赔。客户可以将索赔和付款后的剩余资金捐赠给他们选择的慈善机构。</blockquote><img src=\"https://static.tigerbbs.com/30b284af113c2b4d0df7ea59151db25a\" tg-width=\"700\" tg-height=\"466\" referrerpolicy=\"no-referrer\"><blockquote></blockquote>Image source: Getty Images.<blockquote>图片来源：盖蒂图片社。</blockquote>Lemonade has traditional insurance companies as its competitors, but there isn't any other home insurance company that's digitally focused, putting it in a class by itself. The transparent and customer-friendly approach to a normally unappealing part of life is clearly resonating with homeowners and renters, as the company topped 1 million customers in December in only four years of operation.<blockquote>Lemonade的竞争对手是传统保险公司，但没有任何其他家庭保险公司专注于数字化，使其独树一帜。对通常没有吸引力的生活部分采取透明和客户友好的方式显然引起了房主和租房者的共鸣，因为该公司在短短四年的运营中于12月拥有超过100万客户。</blockquote>Other notable signs of progress are gross earned premium, which increased 104% in the third quarter of 2020, and gross loss ratio, which decreased 8 percentage points over the prior year to 72%.<blockquote>其他显着的进展迹象包括毛保费收入（2020年第三季度增长104%）和毛损失率（比上年下降8个百分点至72%）。</blockquote>I'm a big fan of Lemonade, and I think it has tons of value for investorsas it disrupts the insurance industryand gains millions of customers. Even at an outsized valuation of 88 times sales at recent prices, Lemonade is a stock you should be keeping an eye on.<blockquote>我是柠檬水的忠实粉丝，我认为它对投资者来说具有巨大的价值，因为它颠覆了保险业并赢得了数百万客户。即使按近期价格计算，Lemonade的估值是销售额的88倍，但仍是您应该关注的股票。</blockquote>Revolutionizing travel<blockquote>彻底改变旅行</blockquote>Airbnb has upended the travel industry by creating a marketplace for global house and room rentals and experiences. The company's debut in December was <a href=\"https://laohu8.com/S/AONE.U\">one</a> of the hottest IPOs in 2020, and the price is up 45% in 2021.<blockquote>爱彼迎通过创建全球房屋和房间租赁和体验市场颠覆了旅游业。该公司12月份的首次亮相是<a href=\"https://laohu8.com/S/AONE.U\">一</a>2020年最热门的IPO，2021年价格上涨45%。</blockquote><img src=\"https://static.tigerbbs.com/0340c7880c0a59ddbd5b12f964ba697a\" tg-width=\"700\" tg-height=\"466\" referrerpolicy=\"no-referrer\"><blockquote></blockquote>Image source: Airbnb.<blockquote>图片来源：爱彼迎。</blockquote>It's not all rosy. Gross booking volume (GBV) decreased 39% in the first nine months of 2020 and revenue decreased 32% as the pandemic crushed the travel industry.Airbnb is still operating at a loss, and a steep <a href=\"https://laohu8.com/S/AONE\">one</a> -- $700 million for the first nine months of 2021.<blockquote>并不全是美好的。由于疫情重创旅游业，2020年前9个月的总预订量(GBV)下降了39%，收入下降了32%。Airbnb仍在亏损运营，而且<a href=\"https://laohu8.com/S/AONE\">一</a>——2021年前9个月7亿美元。</blockquote>But that loss is an improvement of $375 million over the prior year. And even though the company expects more pain in the short term due to COVID-19, management sees a $3.4 trillion total addressable market -- and a path toward growth by investing in its brand and connections to unlock more hosting and engage its market, and innovating through its web site. We can see the strength of Airbnb's model in its pre-pandemic growth: GBV increased 29% in 2019, while revenue increased 32%.<blockquote>但这一损失比上一年减少了3.75亿美元。尽管该公司预计短期内会因COVID-19而带来更多痛苦，但管理层认为潜在市场总额为3.4万亿美元，并通过投资其品牌和关系来释放更多托管服务并参与市场，从而实现增长。并通过其网站进行创新。我们可以在大流行前的增长中看到爱彼迎模式的优势：2019年GBV增长了29%，而收入增长了32%。</blockquote>As vaccines roll out, the economy is gearing up for a travel resurgence, and Airbnb is going to be one of the recipients of pent-up demand. The company's operating model, as a marketplace for vacation rentals, is asset-light, making it agile and easily scalable. It's the future of travel, creating experiences in places unreachable before.<blockquote>随着疫苗的推出，经济正在为旅游业的复苏做准备，爱彼迎将成为被压抑需求的接受者之一。作为度假租赁市场，该公司的运营模式是轻资产的，使其敏捷且易于扩展。这是旅行的未来，在以前无法到达的地方创造体验。</blockquote>In the meantime, shares are trading at 32 times sales, which is quite high, but lower than the other stocks on this list. Even if investors are put off by the valuation, there's a lot of potential here, and you should definitely keep it on your watch list.<blockquote>与此同时，该股的交易价格是销售额的32倍，相当高，但低于名单上的其他股票。即使投资者对估值望而却步，这里也有很大的潜力，你绝对应该将其保留在你的观察名单上。</blockquote>Creative ways to make expensive purchases affordable<blockquote>让昂贵的购买变得负担得起的创造性方法</blockquote>Affirm wasone of the first IPOsof 2021, and it's already up 18% from its opening price on the first day of trading.<blockquote>Affirm是2021年首批IPO之一，交易首日开盘价已上涨18%。</blockquote>Affirm sees itself as an alternative to credit cards, and it offers buy now, pay later options so customers can more easily afford big purchases. The company sees this as a win-win for customers, who can get what they need without hidden interest or late fees, and merchants, who make more sales. Affirm gets money from both of those sides as well, in the form of payment processing fees for merchants and interest payments from customers.<blockquote>Affirm将自己视为信用卡的替代品，它提供“先买后付”选项，以便客户可以更轻松地购买大额商品。该公司认为这对于客户和商家来说是双赢的，客户可以在没有隐藏利息或滞纳金的情况下获得他们需要的东西，而商家可以增加销售额。Affirm也从这两方面获得资金，形式是商家的支付处理费和客户的利息支付。</blockquote><img src=\"https://static.tigerbbs.com/5e0472a0fc9869bff670cdadb0476872\" tg-width=\"700\" tg-height=\"465\" referrerpolicy=\"no-referrer\"><blockquote></blockquote>Image source: Affirm Holdings.<blockquote>图片来源：确认控股。</blockquote>The company's services are available through 6,500 merchant partners, includingWalmartandBest Buy. Revenue increased 93% over the prior year in 2020, and gross merchandise volume grew 77%.<blockquote>该公司的服务可通过6,500个商业合作伙伴获得，包括沃尔玛和百思买二零二零年的收入较上年增长93%，商品总量增长77%。</blockquote>Affirm's biggest sales partner isPeloton Interactive, which accounts for roughly 30% of total sales. But it recently inked a deal withShopifyto be its exclusive partner for buy now, pay later services, which should be another huge revenue boost.<blockquote>Affirm最大的销售合作伙伴是Peloton互动，约占总销售额的30%。但它最近与Shopify成为其“先买后付”服务的独家合作伙伴，这应该是另一个巨大的收入增长。</blockquote>It has yet to turn a profit, but as it increases its partner count and gains new, happy customers, it envisions a cyclical effect where both increase, leading to higher revenue and profits. I wouldn't recommend a buy here just yet, but it's one to keep on your watch list.<blockquote>它尚未扭亏为盈，但随着合作伙伴数量的增加并获得新的、满意的客户，它预计会出现周期性效应，两者都会增加，从而带来更高的收入和利润。我现在还不建议在这里购买，但它是您应该保留在观察列表中的一个。</blockquote>\n<div class=\"bt-text\">\n\n\n 来源：<a href=\"https://www.nasdaq.com/articles/3-recent-ipos-to-add-to-your-watchlist-2021-01-27\">Nasdaq</a>\n为提升您的阅读体验，我们对本页面进行了排版优化\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{},"source_url":"https://www.nasdaq.com/articles/3-recent-ipos-to-add-to-your-watchlist-2021-01-27","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1180756542","content_text":"Investors are captivated by hot IPOs because they're the earliest opportunity to invest in an exciting company. But you can earn fantastic gains even if you miss that eye-catching first-day pop if that company is built for long-term success. All three companies I'm featuring today are challengers that are changing how business is done in their respective industries.Lemonade(NYSE: $(LMND)$),Airbnb(NASDAQ: $(ABNB)$), andAffirm Holdings(NASDAQ: $(AFRM)$)have a lot to offer investors even after their initial public offerings and are worth watching.Sponsored LinksPlay the most challenging WWII strategy game, no install neededCall of War | World War IIConsumer-centric insurance technologyWhile fintech (financial technology) has changed the way people bank and make purchases, insurance has been largely left out of the revolution. Enter Lemonade, which is trying to upgrade insurance for the 21st century.Lemonade offers homeowners, renters, and pet insurance in the U.S. and several other countries. It prides itself on \"instant everything,\" and uses behavioral economics and artificial intelligence to offer policies and approve claims completely online. Lemonade's intake chatbot asks the applicant questions to determine accurate pricing and give a quote in seconds. About 30% of claims are taken care of by another bot in as little as three minutes, and approved funds are instantly transferred to the claimant's bank account. The company keeps a flat 25% fee from each policy and passes on the rest to a third-party reinsurer to handle claims. Customers can donate remaining money after claims and payments to a charity of their choosing.Image source: Getty Images.Lemonade has traditional insurance companies as its competitors, but there isn't any other home insurance company that's digitally focused, putting it in a class by itself. The transparent and customer-friendly approach to a normally unappealing part of life is clearly resonating with homeowners and renters, as the company topped 1 million customers in December in only four years of operation.Other notable signs of progress are gross earned premium, which increased 104% in the third quarter of 2020, and gross loss ratio, which decreased 8 percentage points over the prior year to 72%.I'm a big fan of Lemonade, and I think it has tons of value for investorsas it disrupts the insurance industryand gains millions of customers. Even at an outsized valuation of 88 times sales at recent prices, Lemonade is a stock you should be keeping an eye on.Revolutionizing travelAirbnb has upended the travel industry by creating a marketplace for global house and room rentals and experiences. The company's debut in December was one of the hottest IPOs in 2020, and the price is up 45% in 2021.Image source: Airbnb.It's not all rosy. Gross booking volume (GBV) decreased 39% in the first nine months of 2020 and revenue decreased 32% as the pandemic crushed the travel industry.Airbnb is still operating at a loss, and a steep one -- $700 million for the first nine months of 2021.But that loss is an improvement of $375 million over the prior year. And even though the company expects more pain in the short term due to COVID-19, management sees a $3.4 trillion total addressable market -- and a path toward growth by investing in its brand and connections to unlock more hosting and engage its market, and innovating through its web site. We can see the strength of Airbnb's model in its pre-pandemic growth: GBV increased 29% in 2019, while revenue increased 32%.As vaccines roll out, the economy is gearing up for a travel resurgence, and Airbnb is going to be one of the recipients of pent-up demand. The company's operating model, as a marketplace for vacation rentals, is asset-light, making it agile and easily scalable. It's the future of travel, creating experiences in places unreachable before.In the meantime, shares are trading at 32 times sales, which is quite high, but lower than the other stocks on this list. Even if investors are put off by the valuation, there's a lot of potential here, and you should definitely keep it on your watch list.Creative ways to make expensive purchases affordableAffirm wasone of the first IPOsof 2021, and it's already up 18% from its opening price on the first day of trading.Affirm sees itself as an alternative to credit cards, and it offers buy now, pay later options so customers can more easily afford big purchases. The company sees this as a win-win for customers, who can get what they need without hidden interest or late fees, and merchants, who make more sales. Affirm gets money from both of those sides as well, in the form of payment processing fees for merchants and interest payments from customers.Image source: Affirm Holdings.The company's services are available through 6,500 merchant partners, includingWalmartandBest Buy. Revenue increased 93% over the prior year in 2020, and gross merchandise volume grew 77%.Affirm's biggest sales partner isPeloton Interactive, which accounts for roughly 30% of total sales. But it recently inked a deal withShopifyto be its exclusive partner for buy now, pay later services, which should be another huge revenue boost.It has yet to turn a profit, but as it increases its partner count and gains new, happy customers, it envisions a cyclical effect where both increase, leading to higher revenue and profits. I wouldn't recommend a buy here just yet, but it's one to keep on your watch list.","news_type":1,"symbols_score_info":{}},"isVote":1,"tweetType":1,"viewCount":881,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":[],"verified":2,"subType":0,"readableState":1,"langContent":"EN","currentLanguage":"EN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"andRepostAutoSelectedFlag":false,"upFlag":false,"length":6,"xxTargetLangEnum":"ORIG"},"commentList":[],"hasMoreComment":false,"orderType":2}