PayPal, one of the larger players in the payments space, has been doing well since it was spun off from online auction site eBay in mid-2015. As a payments company, PayPal supports online commerce, which can be an attractive investment if you think the world is moving more and more towards electronic payments and even more e-commerce. PayPal is also the company behind Venmo, which has gained a lot of attention in recent years for bank-to-bank transfers.PayPal has experienced a boom in business during the pandemic, with profits soaring more than 70% in 2020 as more people move shopping online. But the company now faces slowing growth and issued a disappointing 2022 earnings outlook, sending its shares down nearly 25% in a day. The stock has lost nearly 60% this year through May 2022.
If you’re considering buying a stake in PayPal stock, here’s what to do and what you need to know before you decide.
1. Analyze PayPal and its financials
Analyzing a company’s competitive position and financials can be the hardest part of buying stocks, but it’s also the most important. The best place to start is the company’s Form 10-K, which is the annual report that all public companies must file with the SEC.
10-K dapat membantu Anda belajar banyak tentang perusahaan:
- Bagaimana cara menghasilkan uang dan berapa banyak
- Aset dan liabilitasnya
- Ini mengembangkan profitabilitas seiring berjalannya waktu
- Lanskap Kompetitif
- Berbagai risiko yang dihadapi perusahaan
- Mengelola tim dan bagaimana memotivasi mereka
Laporan tahunan adalah langkah awal yang baik untuk mempelajari lebih lanjut tentang suatu perusahaan, namun Anda ingin melakukan lebih dari itu. Anda harus memeriksa apa yang dilakukan perusahaan lain untuk bersaing karena penting untuk memiliki pandangan yang lebih luas tentang industri ini.
For example, PayPal is one of the largest payment companies, but it competes with some very well-known companies. Visa and Mastercard have reached a strategic agreement with PayPal that will expand the reach of the retailer’s payment network and allow consumers to pay using the methods they prefer. Currently, Visa and Mastercard have agreed not to impose any fees or rules on PayPal, but this may change when the strategic agreement ends.
2. Does PayPal make sense in your portfolio?
PayPal is doing well and growing rapidly, with revenue growing around 20% in 2020 and 2021. If this growth can continue, the stock should do well. However, there are also some risks, such as B. due to the company’s strong competitors and lower growth prospects in 2022. And the nature of tech companies is often associated with the disruption of incumbents, so PayPal is doing well, but there’s no guarantee the future will be just as bright.
Jadi, Anda harus bertanya pada diri sendiri pertanyaan-pertanyaan berikut:
- Apakah Anda memahami bisnis dan prospek masa depannya?
- Bisakah Anda terus menganalisisnya seiring berkembangnya bisnis dan industri Anda?
- Given how volatile the stock is, can you hold or even buy more if it goes down?
- Apakah Anda memahami nilai perusahaan dan bagaimana perbandingannya dengan nilai pasar saat ini?
- PayPal Doesn’t Pay Dividends – Do You Need Stocks?
3. Berapa banyak investasi yang mampu Anda bayar?
How much you can invest has less to do with PayPal and more to do with your personal financial situation. Stocks can be volatile. So to give your investment time to pay off, you should be able to keep your money in stocks for at least three to five years. This means you should be able to live without money for at least that long.
Commitment to holding the stock for three to five years is important. You hate having to sell a stock when it’s nearing a bottom, only to see it bounce higher after you exit your position. By sticking to a long-term plan, you can ride out the ups and downs of the stock.
If you invest in individual stocks, you should probably keep the percentage of individual positions between 3% and 5%. That way, you’re not seriously exposed to investments that wreck your portfolio. You can choose a lower percentage than this range if the stock has a higher business risk.
Selain itu, jangan hanya menginvestasikan sejumlah uang pada saham, namun pertimbangkan bagaimana Anda dapat menambahkan uang ke posisi tersebut seiring berjalannya waktu.
4. Buka akun pialang
Meskipun membuka akun pialang mungkin terdengar sulit, sebenarnya ini cukup sederhana dan Anda dapat menyiapkan semuanya dalam waktu sekitar 15 menit.
Anda harus memilih broker yang sesuai dengan kebutuhan Anda. Apakah Anda sering atau jarang berdagang? Apakah Anda memerlukan layanan atau penelitian tingkat tinggi? Apakah biaya merupakan faktor terpenting bagi Anda? Jika Anda membeli sejumlah kecil saham tetapi berinvestasi terutama pada dana, beberapa broker menawarkan perdagangan bebas komisi khusus untuk dana tersebut.
After opening an account, you should have sufficient funds to purchase PayPal stock. But you can do this completely online, and it’s easy.
With PayPal stock trading around $80 a share as of May 2022, you probably won’t have enough cash to buy an entire share. Several brokers, including Charles Schwab and Fidelity, have started offering fractional shares to help with this, allowing you to invest for just a few dollars.
5. Buy PayPal stock
Once you decide to buy PayPal stock and open and fund your brokerage account, you can set up your order. Use the company’s ticker symbol – PYPL when entering your order.
Kebanyakan broker memiliki “tiket perdagangan” di bagian bawah setiap halaman sehingga Anda dapat memasukkan pesanan Anda. Atas perintah broker, Anda memasukkan ticker dan jumlah saham yang Anda mampu beli, atau jika Anda membeli saham pecahan, jumlah yang ingin Anda investasikan. Kemudian masukkan jenis pesanan: pasar atau batas. Market order membeli suatu saham berapapun harga saat ini, sedangkan limit order hanya dieksekusi ketika saham mencapai harga yang Anda tetapkan.
Jika Anda hanya membeli beberapa saham, sebaiknya tetap berpegang pada pesanan pasar. Bahkan jika Anda membayar lebih untuk pesanan pasar sekarang, jika saham terus berkinerja baik, hal ini tidak akan berdampak banyak pada kinerja jangka panjang.
Intinya
Membeli saham memang menyenangkan, tetapi kesuksesan tidak terjadi dalam semalam. Investor harus mengambil pandangan jangka panjang atas investasi mereka, dan jika mereka percaya pada saham untuk jangka panjang, mereka harus mempertimbangkan untuk menggunakan biaya rata-rata dolar.
Dengan biaya rata-rata dolar, investor menambahkan sejumlah uang ke posisi mereka dari waktu ke waktu, yang sangat membantu ketika saham jatuh dan memungkinkan mereka membeli lebih banyak. Saham-saham yang sedang naik daun bisa jatuh dari waktu ke waktu, jadi strategi ini dapat membantu Anda mendapatkan harga beli yang lebih rendah dan keuntungan keseluruhan yang lebih tinggi.
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