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 boleh membantu anda belajar banyak tentang syarikat:
- Bagaimana ia menghasilkan wang dan berapa banyak
- Aset dan liabilitinya
- Ia membangunkan keuntungan dari semasa ke semasa
- Landskap Persaingan
- Pelbagai risiko yang dihadapi oleh syarikat
- Mengurus pasukan dan bagaimana untuk memotivasikan mereka
Laporan tahunan ialah langkah pertama yang baik untuk mempelajari lebih lanjut tentang syarikat, tetapi anda ingin melakukan lebih daripada itu. Anda harus menyemak apa yang syarikat lain lakukan untuk bersaing kerana penting untuk mempunyai pandangan yang lebih luas tentang industri.
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.
Oleh itu, anda harus bertanya kepada diri sendiri soalan berikut:
- Adakah anda memahami perniagaan dan prospek masa depannya?
- Bolehkah anda terus menganalisisnya semasa perniagaan dan industri anda berkembang?
- Given how volatile the stock is, can you hold or even buy more if it goes down?
- Adakah anda memahami nilai syarikat dan bagaimana ia dibandingkan dengan nilai pasaran semasa?
- PayPal Doesn’t Pay Dividends – Do You Need Stocks?
3. Berapa banyak pelaburan yang anda mampu?
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 melabur sejumlah wang sekali gus dalam saham, tetapi pertimbangkan bagaimana anda boleh menambah wang pada kedudukan dari semasa ke semasa.
4. Buka akaun broker
Walaupun membuka akaun pembrokeran mungkin kedengaran sukar, ia sebenarnya agak mudah dan anda boleh menyediakan semuanya dalam masa kira-kira 15 minit.
Anda harus memilih broker yang sesuai dengan keperluan anda. Adakah anda sering berdagang atau jarang? Adakah anda memerlukan perkhidmatan atau penyelidikan tahap tinggi? Adakah kos adalah faktor yang paling penting untuk anda? Jika anda membeli sejumlah kecil saham tetapi melabur terutamanya dalam dana, sesetengah broker menawarkan perdagangan bebas komisen secara eksklusif 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 mempunyai "tiket perdagangan" di bahagian bawah setiap halaman supaya anda boleh memasukkan pesanan anda. Pada pesanan broker, anda memasukkan ticker dan bilangan saham yang anda mampu, atau jika anda membeli saham pecahan, jumlah yang anda ingin laburkan. Kemudian masukkan jenis pesanan: pasaran atau had. Pesanan pasaran membeli saham tanpa mengira harga semasa, manakala pesanan had hanya dilaksanakan apabila stok mencapai harga yang anda tetapkan.
Jika anda hanya membeli beberapa saham, sebaiknya berpegang pada pesanan pasaran. Walaupun anda membayar lebih untuk pesanan pasaran sekarang, jika saham terus menunjukkan prestasi yang baik, ia tidak akan memberi banyak kesan kepada prestasi jangka panjang.
Pokoknya
Membeli saham boleh menjadi menarik, tetapi kejayaan tidak berlaku dalam sekelip mata. Pelabur harus mengambil pandangan jangka panjang tentang pelaburan mereka, dan jika mereka percaya pada saham untuk jangka panjang, mereka harus mempertimbangkan untuk menggunakan kos purata dolar.
Dengan kos purata dolar, pelabur menambah sejumlah wang pada kedudukan mereka dari semasa ke semasa, yang sangat membantu apabila saham jatuh dan membolehkan mereka membeli lebih banyak. Saham terbang tinggi boleh jatuh dari semasa ke semasa, jadi strategi ini boleh membantu anda mendapatkan harga pembelian yang lebih rendah dan keuntungan keseluruhan yang lebih tinggi.
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