Close menu

February 2nd, 2021 | 10:12 CET

Marble Financial, PayPal, Palantir: Fintech, Payment and Data, powerful trio!

  • Payment
Photo credits:

Modern companies in the environment of data analysis and consumption benefit from the big online trend. In between are the payment service providers, who are developing entrances into the crypto world and are dynamically involved in both corners. Through their payment data, they know the most popular shopping addresses of their customers, which are cash for advertisers and social media platforms. Users often talk very openly about their preferences and even give free tips to other shoppers. In this way, a network of habits, trends and accurate advertising opportunities is created.

time to read: 4 minutes | Author: André Will-Laudien
ISIN: CA5660551097 , US70450Y1038 , US69608A1088

Table of contents:

    Marble Financial - Creditworthiness as a basis

    In 2006-2008, a credit bubble of remarkable proportions took place in the US. Millions of properties were sold to subprime customers. Creditworthiness was under the radar of many banks. Smart investment bankers laced so-called asset-backed securities (ABS) with the backing of precisely these mortgages generated from the purchases of not exactly creditworthy prospective home buyers. The local banks ceded the credit risks to the investment banks, putting together AAA packages and selling these subprime bonds to large investors and insurance companies. The bubble burst with the collapse of Lehman Brothers on September 14, 2008.

    Marble Financial from Canada has also dedicated itself to the subprime credit segment and provides its services to around 12 million Canadians. In Germany, private rating agencies such as SCHUFA facilitate the formation of credit scores for banks. Marble has developed systems that analyze the customer's financing structure and income situation and use optimization tools to improve them. The customer is provided with valuable information for his "Financial Behaviour." The banks' data analysis in the background thus leads to a better and often fairer classification of the credit customer. If we had already had such systems in place in 2006-2008, it would have been virtually impossible to grant loans incorrectly.

    But Marble has other tools in its pocket. Their customers are offered learning tools on how to plan household accounts and expenses to avoid mistakes in the timing of debits. What is a real asset is the flood of data that can be used extensively. Marble Financial announced a partnership with VoPay International Inc. to provide its open banking payment solution to thousands of new and existing MyMarble customers. This partnership, which enables new payment options for consumers, simplifies the process of providing a single API integration for banking service providers.

    With VoPay's integrated single-payment API, Marble can improve customer engagement while lowering costs, rapidly expanding and simplifying payment options for MyMarble users and enabling the Company to expand its top-end revenue channels. Marble Financial is valued at only CAD 20 million and has recently attracted greater attention around Big Data and financial services.

    PayPal - Rising volumes and excitement ahead of numbers

    PayPal is enjoying ever-increasing transaction volumes and customer numbers. As a first-mover in the email banking space, it has built a substantial lead over the competition. Now PayPal is bringing its 2020 numbers this week, and expectations are very high given the newly introduced crypto payment options. More and more people are also using their significantly increased crypto holdings for consumption.

    For the fourth quarter, the Company expects revenue to increase by 20-25% year-on-year, both based on the current closing rate and with all currency effects netted out. Analysts estimate USD 6.1 billion in sales, representing a 22% improvement over the same quarter the previous year. For earnings, they expect growth of 17-18% for the quarter, which would mean about USD 1 per share. With earnings of about USD 3.2 per share on an annual basis, the P/E ratio stands at about 75, double the current growth rate.

    The chart technique tells us how it could continue the day after tomorrow. Since March, the PayPal share has been moving upwards in a steep upward trend, marking one record high after another. After the most recent all-time high on January 25 at around USD 254, the strongly overheated value corrected. However, within two trading days, it fell back to the 50-day line at USD 225, which currently runs parallel to the long-term trend line. Yesterday again up to USD 240 - the last display is not yet seen here! Beware!

    Palantir Technologies - The lockup ends in February

    The business model of Palantir Technologies makes more and more progress. The US Department of Homeland Security is using their services as well as the British government concerning Covid-19 movement analysis in the UK. With the IPO of SAP subsidiary Qualtrics, three prominent 3Data analytics experts are now romping on Nasdaq with their tracking software technologies, in addition to Snowflake.

    There are two key factors that investors should currently pay attention to. First, the lockup period for Palantir will end in February. Secondly, the stock has already gained 50% this year alone and is up a whopping 200% since going public. With many shares likely to hit the market with the lockup gone, Palantir could see a significant setback. In the meantime, however, it also remains to be seen how quickly Palantir will benefit from a Biden administration. After all, the pandemic still rages on, especially in the United States.

    Palantir practices relationships with both major US political parties and has already done sound business with them. As much as some people would like to turn the Company into an ideological game, the factual situation so far does not support that. Palantir is looking to do USD 1.4 billion in revenue this year, up from USD 742 million in 2019. We leave it to the inclined investor to decide whether this justifies a price-to-sales ratio of 35, as good growth has been bought for months. No one speaks of valuation ratios; the prices rise and rise.

    Conflict of interest

    Pursuant to §85 of the German Securities Trading Act (WpHG), we point out that Apaton Finance GmbH as well as partners, authors or employees of Apaton Finance GmbH (hereinafter referred to as "Relevant Persons") may in the future hold shares or other financial instruments of the mentioned companies or will bet on rising or falling on rising or falling prices and therefore a conflict of interest may arise in the future. conflict of interest may arise in the future. The Relevant Persons reserve the shares or other financial instruments of the company at any time (hereinafter referred to as the company at any time (hereinafter referred to as a "Transaction"). "Transaction"). Transactions may under certain circumstances influence the respective price of the shares or other financial instruments of the of the Company.

    Furthermore, Apaton Finance GmbH reserves the right to enter into future relationships with the company or with third parties in relation to reports on the company. with regard to reports on the company, which are published within the scope of the Apaton Finance GmbH as well as in the social media, on partner sites or in e-mails, on partner sites or in e-mails. The above references to existing conflicts of interest apply apply to all types and forms of publication used by Apaton Finance GmbH uses for publications on companies.

    Risk notice

    Apaton Finance GmbH offers editors, agencies and companies the opportunity to publish commentaries, interviews, summaries, news and etc. on These contents serve information for readers and does not constitute a call to action or recommendations, neither explicitly nor implicitly. implicitly, they are to be understood as an assurance of possible price be understood. The contents do not replace individual professional investment advice and do not constitute an offer to sell the share(s) offer to sell the share(s) or other financial instrument(s) in question, nor is it an nor an invitation to buy or sell such.

    The content is expressly not a financial analysis, but rather financial analysis, but rather journalistic or advertising texts. Readers or users who make investment decisions or carry out transactions on the basis decisions or transactions on the basis of the information provided here act completely at their own risk. There is no contractual relationship between between Apaton Finance GmbH and its readers or the users of its offers. users of its offers, as our information only refers to the company and not to the company, but not to the investment decision of the reader or user. or user.

    The acquisition of financial instruments entails high risks that can lead to the total loss of the capital invested. The information published by Apaton Finance GmbH and its authors are based on careful research on careful research, nevertheless no liability for financial losses financial losses or a content guarantee for topicality, correctness, adequacy and completeness of the contents offered here. contents offered here. Please also note our Terms of use.

    Der Autor

    André Will-Laudien

    Born in Munich, he first studied economics and graduated in business administration at the Ludwig-Maximilians-University in 1995. As he was involved with the stock market at a very early stage, he now has more than 30 years of experience in the capital markets.

    About the author

    Related comments:

    Commented by André Will-Laudien on February 8th, 2021 | 09:27 CET

    Upco International, Square, IBM - Shop like Robinhood and pay by mobile!

    • Payment

    Instead of using their wallets, more and more Germans prefer to use their smartphones or smartwatches at the supermarket checkout - for a good reason: It's simply faster. There's no more searching for change, and no one has to wait for change. Quick checkout at the supermarket, hotel or swimming pool has already proven its worth as a way of bypassing the queue. Mobile payments can be made wherever cash registers are NFC-enabled: Such cash registers can be recognized by the wave symbol, which looks like a WLAN symbol lying on its side. However, not every mobile payment service is suitable for every user. Upco is a small but very flexible provider that offers payment solutions via chat app and also allows crypto connections.


    Commented by Nico Popp on October 9th, 2020 | 12:12 CEST

    PayPal, Northern Data, BIGG Digital Assets: Who creates a 170% return?

    • Payment

    We know that the future is digital, especially since the outbreak of Covid-19. While fears about the future prevail in traditional industries, business is going better than ever before for all those who are digital and adaptable. As more and more companies and consumers are realizing this, there is an unprecedented openness to new solutions. The best example is the card reader: just a year ago, it was only available in large chains or at the train station, but today you can pay with a card or smartphone at almost any bakery. One of the beneficiaries of this trend is PayPal.