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 は、企業について多くのことを知るのに役立ちます。
- どうやって利益をあげているのか、そしていくらなのか
- 資産と負債
- 時間の経過とともに収益性が高まります
- 競争環境
- 企業が直面するさまざまなリスク
- チームの管理とモチベーションの上げ方
An annual report is a good first step to learning more about a company, but you want to do more than that. You should check what other companies are doing to compete as it is important to have a broader view of the industry.
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.
したがって、自分自身に次の質問をする必要があります。
- あなたはそのビジネスとその将来の見通しを理解していますか?
- ビジネスや業界が進化しても分析を継続できますか?
- Given how volatile the stock is, can you hold or even buy more if it goes down?
- Do you understand the value of the company and how it compares to the current market value?
- PayPal Doesn’t Pay Dividends – Do You Need Stocks?
3. どのくらいの投資が可能ですか?
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.
また、株式に一括で投資するのではなく、時間をかけて資金を増やす方法を検討してください。
4. 証券口座を開設する
証券口座の開設は難しそうに聞こえるかもしれませんが、実際には非常に簡単で、約 15 分ですべて設定できます。
ニーズに合ったブローカーを選択する必要があります。取引は頻繁に行いますか、それとも稀に行いますか?高度なサービスや調査が必要ですか?あなたにとってコストは最も重要な要素ですか?株式を少量購入して主にファンドに投資する場合、ブローカーによっては、そのファンド専用の手数料無料取引を提供しているところもあります。
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.
ほとんどのブローカーでは、各ページの下部に「取引チケット」があり、注文を入力できます。ブローカーの注文では、ティッカーと購入可能な株式数、または端数株を購入する場合は投資したい金額を入力します。次に、注文タイプ（成行注文または指値注文）を入力します。成行注文は現在の価格に関係なく株を購入しますが、指値注文は株が設定した価格に達した場合にのみ実行されます。
少数の株だけを購入する場合は、成行注文に固執するのが最善です。たとえ今、成行注文に高い金額を支払ったとしても、株価が引き続き好調であれば、長期的なパフォーマンスに大きな影響はないでしょう。
結論
株を買うのは楽しいかもしれませんが、成功は一夜にして起こるものではありません。投資家は投資を長期的な視点で捉えるべきであり、長期的に株式に価値があると信じるなら、ドル平均コストの使用を検討すべきです。
ドル平均コストでは、投資家は時間の経過とともに一定額の資金を保有ポジションに追加します。これは、株価が下落したときに非常に役立ち、投資家はより多くの資金を購入できるようになります。急騰株は時々下落することがあるので、この戦略は購入価格を下げ、全体的な利益を増やすのに役立ちます。
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