23. March 2021 | 14:00 CET
BioNTech, Marble Financial, Disney: Innovations that pay off
The stock market is where the future is traded. Groundbreaking innovations can completely change this future and provide investors with high returns from the very beginning. Examples include all investors who took an early stake in shares of Amazon or Alphabet. There are also currently a whole series of shares that stand for innovation. We present three stocks.
time to read: 3 minutes by Nico Popp
Everything is possible with BioNTech
One of the stocks of 2020 is that of Mainz-based biotech Company BioNTech. The Company was an early bet on mRNA technology and originally planned to use it in the fight against cancer. When news of the novel virus from Wuhan spread worldwide in the first weeks of 2020, the Mainz-based Company reacted quickly. It developed the idea of an mRNA vaccine against Covid-19, which, in simplified terms, uses parts of the virus' genetic information to trigger an immune response in the vaccinees' bodies. Since the genetic material is very sensitive, it is impossible, according to current knowledge, for it to leave the muscle into which the vaccine has been injected.
Although BioNTech's innovation has so far had the disadvantage that the vaccine needs to be cooled more, the vaccine is said to have several advantages. It is also said to work well with variants of the coronavirus. If more extensive mutations occur, the method used is also said to bring time advantages in developing new vaccines. Although BioNTech's stock has not been rising steadily for some time, the Company remains promising. The need for vaccines will continue. In addition, after this success, BioNTech will have an easy time developing other, innovative mRNA-based products. A kind of vaccination against cancer would be a milestone for the Company, which would also dwarf everything around BioNTech so far on the stock market. The stock is always attractive, regardless of its short-term situation.
Marble Financial: This fintech lifts data treasures
One stock that also has excellent innovation potential is Marble Financial. In recent weeks, market watchers in North America have been discussing a new fintech boom in the wake of the Corona Crisis. Marble Financial relies on artificial intelligence and big data analytics to help over-indebted people. For example, its ScoreUp service ensures that people with high credit scores get tangible tips on how to improve their situation. Other offerings from Marble include support for customers in personal insolvency, which results in these people being able to participate in economic life again sooner.
Although one might wonder how Marble plans to make money from over-indebted customers given its business model, the Company is on a rapid growth trajectory. It plans to increase its revenue many times over between the end of 2020 and 2023. The reason for this is the size of the market Marble Financial is addressing. There are more than 12 million over-indebted people in Canada alone. With Marble's support, which includes financial education programs, these people get back into the economic cycle and ultimately become paying customers. Along the way, Marble is gaining a vast trove of data that the Company knows how to leverage for innovative products. Marble has entered into cooperation agreements with marketing partners in recent months and is also in talks with credit card providers. If business with over-indebted people in Canada continues to go well, the Company can even imagine expanding into other regions. The neighboring country of the USA, for example, would be an obvious choice.
Disney: Streaming boosts the share price
Disney is currently also expanding into new regions with its streaming service Disney+. Although the giant corporation started with its offer far after Amazon or Netflix, Disney+ is winning customer after customer. The reason for this is the extensive rights portfolio of the world's best-known media Group. From Mickey Mouse to the latest comic book adaptations - Disney has everything on offer and is also big enough to play to its strengths confidently. The Company, which was still rather analog a few years ago, has taken advantage of digitization and - like a startup - simply launched a new business. Disney+ is well received by users.
The share price is also jubilant: it went up by more than 80% last year. Since Disney doesn't even cover all markets with Disney+ yet and the service is still relatively new, there is further growth potential. Nevertheless, investors should keep in mind that the stock, like BioNTech, has already done well. While anything can happen with BioNTech over the long term, the hype around video streaming will eventually die down. Meanwhile, an innovative stock that is still in its infancy could be Marble Financial. The large number of over-indebted people in North America and its data-driven approach could make the fintech an insider's tip. The market capitalization is currently around EUR 12 million.