January 28th, 2025 | 07:30 CET
4,000% stock Carvana: TeamViewer, Bitcoin Group, Zalando, and Credissential offer opportunities
Away from the big tech stocks, multipliers are waiting. One example from the US is Carvana, which has risen 4,000% in two years. Credissential aims to challenge the online used car dealer. The startup wants to provide brick-and-mortar used car dealers with a response against Carvana using artificial intelligence. Scaling is planned for 2025. If successful, the stock is much too cheap. In the DAX, Zalando offers significant upside potential. The online retailer is back on the growth path and plans to compete with Shein and Temu through the acquisition of About You, with analysts recommending a "Buy". By contrast, TeamViewer's stock lacks momentum. Analyst opinions are divided. And is the Bitcoin Group stock finally waking up?
time to read: 4 minutes
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Author:
Fabian Lorenz
ISIN:
TEAMVIEWER AG INH O.N. | DE000A2YN900 , BITCOIN GROUP SE O.N. | DE000A1TNV91 , ZALANDO SE | DE000ZAL1111 , CREDISSENTIAL INC | CA22535J1066
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"[...] In Canada, there is $1.75 of debt for every dollar of disposable income - and that was true even before the pandemic. [...]" Karim Nanji, CEO, Marble Financial
Author
Fabian Lorenz
For more than twenty years, the Cologne native has been intensively involved with the stock market, both professionally and privately. He is particularly passionate about national and international small and micro caps.
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Credissential: Newcomer wants to challenge 4,000%-stock Carvana
Carvana has revolutionized the used car trade in the US in recent years. And the stock of the online used car dealer has exploded by 4,000% since 2023. After all, the US market is huge. In 2023, around 38 million passenger and light commercial vehicles changed hands in the US. An increasing number of these are being traded online. While Carvana is profiting, brick-and-mortar dealers are facing significant challenges. They cannot keep up technologically or in terms of the number of vehicles they offer.
Credissential wants to change this. The Canadians have developed a platform for the approximately 60,000 independent car dealers in the US. On this platform, dealers can offer their vehicles and network with each other. The worst thing for a dealer is probably when they do not have the vehicle in the desired configuration available for the customer on-site - then they will never see them again. With Credissential, dealers can access vehicles from connected colleagues online and offer them to potential buyers. If the sale is successful, both dealers earn a commission. Credissential also receives a fee. In addition, the innovative startup plans to earn money by brokering insurance and financing.
Credissential completed the development phase in 2024. The platform is to be rolled out in the current year, and dealers – often with several locations – are to be connected. Due to the high scalability, it should be possible to get into the black relatively quickly. Due to the successful completion of the private placement in mid-January, Credissential should be fully financed by then. With a market capitalization of just EUR 6 million, including outstanding warrants (fully diluted), the Company is anything but highly valued. If it succeeds in convincing even a small portion of the target group, there is an opportunity for the share price to multiply – it is also traded on German stock exchanges.
Zalando: Positive momentum with About You takeover
One tech stock that has made it into the DAX is Zalando. After a difficult few years in 2021, 2022, and 2023, the stock returned to an upward trend last year. With a price increase of around 50%, Zalando shares were among the winners in Germany's leading stock index. Operationally, things are also going better again. The takeover of competitor About You, which was announced at the end of 2024, was also a sign of the new self-confidence. In the meantime, a significant majority has been secured. The takeover bid of EUR 6.50 per share will run until February 17, 2025.
Zalando and About You are to be retained as independent brands. About You is to be more strongly aligned with the younger target group and thus be an answer to the Chinese competitors Shein and Temu.
Even after the price rally, analysts see further upside potential. Most recently, Warburg renewed its "Buy" recommendation. The analysts see the fair value of the Zalando share at EUR 47. The security is currently trading at over EUR 34. The Company's performance in 2024 has been convincing, and the outlook remains positive.
TeamViewer and Bitcoin Group: Stocks Poised to Soar?
While the Zalando share has already formed a solid uptrend, both Credissential and TeamViewer and the Bitcoin Group have catch-up potential. However, as described, the opportunity at Credissential appears to be significantly greater.
Analyst opinions differ for TeamViewer. For example, Warburg considers the stock a "Buy" with a price target of EUR 16.50. Currently, TeamViewer's stock is trading at EUR 11. By contrast, Deutsche Bank sees little upside for the stock. The analysts cut their price target on Friday from EUR 14 to EUR 12. Also on Friday, Goldman Sachs confirmed its "Neutral" rating after the publication of the key figures for 2024. The price target was raised slightly from EUR 12 to EUR 12.50.
The Bitcoin Group share is also currently not making any headway. At EUR 50, it is trading at the same level as in April 2024. The crypto markets have developed very positively during this time, and a continuation of the bull run is also expected under the new US President, Donald Trump. For those who do not want to bet on stocks like Coinbase or MicroStrategy, there is no getting around the Bitcoin Group. In December 2024, the Company reported crypto holdings of EUR 400 million. This is a significant increase compared to the approximately EUR 246 million at the end of June 2024. The sum of treasury shares and cash and cash equivalents even amounted to EUR 410 million in December. By contrast, the Bitcoin Group's market capitalization is only around EUR 250 million.
"With our update on holdings, we want to provide transparent insight into our company and, at the same time, counter speculation regarding the current negative share price performance, which has no connection with the operating business. We are pleased with the growing value of our crypto assets in our portfolio and, above all, with the significant increase in interest in crypto trading, which is also reflected on our crypto trading platform, bitcoin.de," said Michael Nowak, CEO of Bitcoin Group SE. Nevertheless, the share is currently not making any headway.
Credissential is an exciting newcomer and seems worth speculation. The platform has been developed and is to be scaled in the current year. The Company is financed and should be able to reach break-even quickly. Zalando currently has positive momentum. The takeover of About You opens up new perspectives. On the other hand, buying TeamViewer is not an obvious move at the moment, even if there is occasional takeover speculation. In the case of Bitcoin Group, the difference between the value of crypto holdings and market capitalization is tempting. The fact that the share price is still not moving is worrying. Is the market so wrong?
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