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-К вам може помоћи да научите много о компанији:
- Како зарађује и колико
- Његова имовина и обавезе
- Његова профитабилност се временом развија
- Цомпетитиве Ландсцапе
- Различити ризици са којима се компанија суочава
- Управљање тимовима и како их мотивисати
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.
Дакле, требало би да поставите себи следећа питања:
- Да ли разумете посао и његове будуће изгледе?
- Можете ли наставити да га анализирате како се ваше пословање и индустрија развијају?
- 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. Колико улагања можете приуштити?
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.
Такође, немојте само да уложите паушалну суму новца у акције, већ размислите како можете да додате новац на позицију током времена.
4. Отворите брокерски рачун
Иако отварање брокерског рачуна може звучати тешко, заправо је прилично једноставно и све то можете подесити за око 15 минута.
Требало би да изаберете брокера који одговара вашим потребама. Да ли тргујете често или ретко? Да ли вам је потребан висок ниво услуге или истраживања? Да ли вам је цена најважнији фактор? Ако купите малу количину акција, али инвестирате првенствено у фондове, неки брокери нуде трговање без провизије искључиво за та средства.
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.
Већина брокера има „трговинску карту“ на дну сваке странице тако да можете да унесете свој налог. На налог брокера, уносите ознаку и број акција које можете приуштити, или ако купујете делимичне акције, износ који желите да уложите. Затим унесите тип налога: тржиште или лимит. Тржишни налог купује акцију без обзира на тренутну цену, док се ограничени налог извршава само када акција достигне цену коју сте поставили.
Ако купујете само неколико акција, најбоље је да се држите тржишних налога. Чак и ако сада платите више за тржишну наруџбу, ако акције наставе да раде добро, то неће имати много утицаја на дугорочне перформансе.
Суштина
Куповина акција може бити узбудљива, али успех се не дешава преко ноћи. Инвеститори би требало да имају дугорочан поглед на своје инвестиције, и ако верују у акције дугорочно, требало би да размотре коришћење просечне цене долара.
Уз просечну цену долара, инвеститори додају одређену количину новца на своје позиције током времена, што заиста помаже када акције падну и омогућава им да купе више. Дионице које су у порасту могу с времена на време пасти, тако да ова стратегија може помоћи да добијете ниже набавне цене и већи укупни профит.
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