This Is the Best Time to Buy These 3 Long-Term Fintech Stocks
This Is the Best Time to Buy These 3 Long-Term Fintech Stocks
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For most of 2022, the fintech sector has underperformed the markets. The reasons are relatively straightforward: Tightening quantitative policy led by a hawkish Federal Reserve looking to rein in inflation has quelled overall risk appetite. This has led to a faster than average exit of investor capital from riskier sectors, fintech included. However, there are some long-term fintech stocks to buy
在2022年的大部分时间里，金融科技板块的表现逊于市场。原因相对简单：由寻求控制通胀的鹰派美联储主导的收紧量化政策，平息了整体风险偏好。金融科技表示，这导致投资者资本从风险较高的行业撤出的速度快于平均水平。不过，还有一些长期的金融科技股票可供买入
That faster-than-average exodus is evident in the dramatic declines in several fintech barometers. Global X Fintech ETF (NASDAQ:FINX) and Cathie Wood's Ark Fintech Innovation ETF (NYSEARCA:ARKF) are down 49% and 62%, respectively in 2022.
这种高于平均水平的外流速度从金融科技的几个晴雨表的大幅下降中可见一斑。全球X金融科技ETF(纳斯达克：FINX)和凯西·伍德的方舟金融科技创新ETF(NYSEArca：ARKF)在2022年分别下跌49%和62%。
Those performances are much worse than that of the S&P 500 which has fallen about 23% during the same period.
这些表现比同期下跌约23%的标准普尔500指数差得多。
On the one hand, that could be taken as a warning sign to steer clear of fintech altogether. On the other hand, fintech looks increasingly attractive and deeply discounted. For those who agree with the latter, now is a great time to buy these three long-term fintech stocks.
一方面，这可以被视为一个警告信号，完全避开金融科技。另一方面，金融科技看起来越来越有吸引力，而且打了很大折扣。对于那些同意后者的人来说，现在是买入这三只长期金融科技股票的大好时机。
Bill.com (BILL)
Bill.com(账单)
Bill.com (NYSE:BILL) is a cloud-based software company operating in the fintech space. The company provides software targeted toward small and medium-sized businesses (SMBs) that automate financial processes. In essence, it helps to increase the efficiency of generating and streamlining invoices and approvals thus speeding up the receipt of payments.
Bill.com(纽约证券交易所代码：BILL)是一家在金融科技领域运营的基于云的软件公司。该公司提供面向中小型企业(SMB)的自动化财务流程的软件。从本质上讲，它有助于提高生成和简化发票和审批的效率，从而加快收款速度。
The numbers behind the rapidly growing firm are quite impressive. Bill.com released earnings on Aug. 18 headed by revenues that reached $200.2 million, up 156% year-over-year.
这家快速增长的公司背后的数字令人印象深刻。Bill.com于8月18日发布财报，营收达到2,020万美元，同比增长156%。
The company gave guidance it should see revenues in the range of $208 to $211 next quarter. But don't be fooled by the relatively small sequential increase. Those revenues represent a 77% increase at the midpoint. Bill.com also gave guidance that it anticipates 49% to 52% full fiscal year revenue growth overall. The company may be slowing slightly but it is also reaching the $1 billion revenue threshold so growth is to be expected.
该公司给出的指引是，下个季度的收入应该在208美元到211美元之间。但不要被相对较小的环比增长所愚弄。这些收入按中间价计算增长了77%。Bill.com还给出了指引，预计整个财年收入将增长49%至52%。该公司可能略有放缓，但也即将达到10亿美元的收入门槛，因此增长是意料之中的。
The real issue is that Bill.com posted an $84.94 million loss in the quarter. So, despite the rapid growth, rising interest rates will affect its chances of attracting investor capital. For those who play the long game, BILL stock looks very solid.
真正的问题是，Bill.com公布了该季度8494万美元的亏损。因此，尽管增长迅速，但利率上升将影响其吸引投资者资本的机会。对于那些玩长期游戏的人来说，比尔·斯托克看起来非常稳固。
Mastercard (MA)
万事达卡(MasterCard，MA)
Mastercard (NYSE:MA) is a solid payment stock. The company expects U.S. retail sales to be remarkably strong this holiday season with 7.1% growth. Retail spending increased 8.5% in 2021 as pent-up demand and higher savings underpinned a surge. So, the 7.1% increase expected is particularly strong following a strong 2021 and in the face of surging inflation in 2022.
万事达卡(纽约证券交易所股票代码：MA)是一只可靠的支付股票。该公司预计，今年假日季美国零售额将增长7.1%，表现强劲。2021年零售支出增长8.5%，原因是被压抑的需求和更高的储蓄支撑了零售支出的激增。因此，在2021年强劲的增长之后，以及2022年通胀飙升的情况下，预期的7.1%的增长尤其强劲。
That should allay some fears of investors who were worried that consumers could tighten purse strings this holiday season. Instead, Mastercard expects more promotions with the 7.1% increase in retail spending.
这应该会缓解投资者的一些担忧，他们担心消费者可能会在这个假日季节勒紧钱包。相反，万事达卡预计会有更多的促销活动，零售支出将增长7.1%。
Mastercard has performed well in 2022. In the first half of 2022, sales increased 23%, from $8.7 billion to $10.7 billion. Net income increased an impressive 41% during the period, reaching $5.2 billion. In addition, credit card spending is up 13% over last year as inflation erodes current purchasing power. That bodes well for Mastercard and the fees it charges on those credit transactions. The depressed market allows savvy investors the opportunity to pick up MA stock cheaply and stash a blue-chip fintech in their portfolio.
万事达卡在2022年的表现很好。2022年上半年，销售额增长了23%，从87亿美元增至107亿美元。净利润在此期间增长了41%，达到52亿美元，令人印象深刻。此外，由于通货膨胀侵蚀了当前的购买力，信用卡支出比去年增长了13%。这对万事达卡和它对这些信用交易收取的费用来说是个好兆头。低迷的市场让精明的投资者有机会低价买入并购交易股票，并将蓝筹股金融科技藏在他们的投资组合中。
MercadoLibre (MELI)
自由市场(梅利)
MercadoLibre (NASDAQ:MELI) been described as Latin America's answer to Amazon (NASDAQ:AMZN). The comparison is generally true as both firms operate E-Commerce platforms that span vast geographies. Both firms also have substantial fintech arms.
自由市场(纳斯达克：梅利)被描述为拉丁美洲的答案亚马逊(纳斯达克：AMZN)。这种比较大体上是正确的，因为这两家公司都运营着跨越广阔地理位置的电子商务平台。两家公司也都有大量的金融科技分支机构。
MercadoLibre boasted 38.2 million unique and active fintech users in its Q2 letter to shareholders. Digital account total payments value reached $9.4 billion in the second quarter. That figure represented growth of 167% on a USD basis. MercadoLibre's growing fintech business aside, it is a strong stock to consider overall. Revenues reached approximately $2.6 billion which was a 52% increase on a year-over-year basis. Fintech revenues passed the $1 billion threshold for the first time ever, growing 113%.
在第二季度致股东的信中，自由市场号称拥有3,820万独立和活跃的金融科技用户。第二季度，数字账户支付总额达到94亿美元。这一数字在美元的基础上增长了167%。撇开自由市场不断增长的金融科技业务不谈，从整体上看，它是一只强劲的股票。收入达到约26亿美元，同比增长52%。金融科技的收入有史以来首次突破10亿美元大关，增长了113%。
MercadoLibre has a particularly strong presence in the important Latin American markets of Brazil, Argentina, and Mexico and recorded triple-digit revenue growth in Brazil and Argentina in Q2. MELI stock is particularly attractive based on target price that suggests 57% upside and comes with strong 'buy' ratings. All in all, it might not be so hyperbolic to suggest that MELI stock is the next Amazon.
MercadoLibre在巴西、阿根廷和墨西哥等重要的拉美市场有着特别强劲的影响力，第二季度在巴西和阿根廷的收入实现了三位数的增长。基于目标价，Meli的股票特别有吸引力，目标价暗示上涨57%，并具有很强的买入评级。总而言之，认为Meli股票将成为下一个亚马逊的说法可能不会那么夸张。
On the date of publication, Alex Sirois did not have (either directly or indirectly) any positions in the securities mentioned in this article. The opinions expressed in this article are those of the writer, subject to the InvestorPlace.com Publishing Guidelines.
截至发稿之日，Alex Sirois并未(直接或间接)持有本文所述证券的任何头寸。本文表达的观点是作者的观点，以InvestorPlace.com为准出版指南.
Alex Sirois is a freelance contributor to InvestorPlace whose personal stock investing style is focused on long-term, buy-and-hold, wealth-building stock picks.Having worked in several industries from e-commerce to translation to education and utilizing his MBA from George Washington University, he brings a diverse set of skills through which he filters his writing.
亚历克斯·西罗斯是InvestorPlace的自由撰稿人，他的个人股票投资风格专注于长期、买入并持有、积累财富的股票选择。他曾在从电子商务到翻译再到教育的多个行业工作过，并利用他在乔治华盛顿大学的MBA学位，带来了一套多样化的技能，他通过这些技能来过滤他的写作。
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在InvestorPlace上最先出现的帖子是现在是买入这3只金融科技长线股票的最佳时机。