February 27th, 2025 | 07:00 CET
Palantir, Credissential, Alibaba – AI, crypto, and crisis resistance: How tech pioneers are shaping the future of the markets
The tech industry is at a turning point. Companies that survive today not only combine disruptive innovation with regulatory adaptability but also create ecosystems that merge data, security, and global scalability. Whether in the shadow of geopolitical budget debates, the race for AI monopolies, or the battle for the next payment revolution, the real winners are those who turn uncertainty into growth. Three players are demonstrating this in different ways – one through algorithms that optimize data, another through quantum encryption for financial transactions, and the third through AI clouds that power entire economies. Who are they, and how do they maintain their dominance?
time to read: 4 minutes
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Author:
Armin Schulz
ISIN:
PALANTIR TECHNOLOGIES INC | US69608A1088 , CREDISSENTIAL INC | CA22535J1066 , ALIBABA GROUP HLDG LTD | KYG017191142
Table of contents:
"[...] 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
Armin Schulz
Born in Mönchengladbach, he studied business administration in the Netherlands. In the course of his studies he came into contact with the stock exchange for the first time. He has more than 25 years of experience in stock market business.
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Palantir – The bubble has burst
Recent developments at Palantir Technologies have shaken investors: the share price fell in response to possible cuts in the US defense budget, a significant source of funding for the Company. In fact, a large proportion of its revenues come from government contracts, making Palantir vulnerable to budget changes. Despite these short-term uncertainties, the software company has been able to post revenue growth of around 30% and rise to a market value of over USD 200 billion at times. However, critics point out that a slight decline in government investment could significantly impact the business model.
At the same time, Palantir's valuation is coming under scrutiny: with a price-to-sales ratio of over 80 in some cases, the stock is considered overpriced by some market observers. At the same time, proponents underscore the enormous potential of the Gotham, Foundry, and AIP analysis tools, which are designed to make data volumes significantly more efficiently usable. The Company is not only relying on government institutions but is increasingly addressing commercial sectors, which could reduce its dependence on government budgets. Nevertheless, it remains to be seen whether the growth has enough momentum to meet the high expectations and sustainably underpin the enormous market capitalization.
Experts point out that, despite the hype, Palantir still faces various risks. On the one hand, recurring discussions about US defense budget cuts are weighing on sentiment. On the other hand, insider selling is causing concern as it raises skepticism about the stability of the valuation. However, some analysts argue that the software-based analysis could enable a wide range of cost savings, making Palantir more attractive in times of tight budgets. The stock recently lost almost 30% in just a few days and is currently trading at USD 90.68, still yielding a price-to-earnings ratio of 535.
Credissential – How a fintech company is transforming industries
The automotive industry is on the verge of radical change – driven by the Credissential platform, Dealerflow. The tool aims to fully digitize the vehicle purchasing process by integrating QR codes, mobile offer overviews, and AI-powered vehicle searches in the future. This enables car dealerships to reach customers outside of their physical locations and virtually expand their inventory. The planned integration of cryptocurrency payments could give participating dealers a competitive edge. With bank-grade security and data-driven sales funnels, Dealerflow addresses two core issues in the industry: inefficient processes and limited reach.
Credissential's Antenna payment platform sets new standards. The recently integrated quantum encryption protects against future cyber threats from quantum computers – a unique selling point in the fintech sector. At the same time, the planned integration of the Privy Wallet enables seamless crypto transactions. This comes at the right time: Japan's banks are relying on XRP for 80% of their cross-border payments by 2025, which is further boosting blockchain solutions. Antenna is thus positioning itself as a bridge between traditional financial systems and the digital asset world – focusing on compliance and user-friendliness.
Credissential is pursuing a two-pronged expansion strategy: In addition to product innovations such as AI updates for Dealerflow, the Company is planning strategic acquisitions. The planned takeover of CoinCmply, a platform for crypto tax compliance, analysis, and optimization, underscores this strategy. The goal is to create an ecosystem that simplifies financial knowledge and generates scalable revenue models. With a current share price of CAD 0.065, investors could benefit from the growing relevance: the mix of security technologies, AI, and crypto integration addresses global trends – from digital payments to regulatory requirements.
Alibaba – AI innovation drives sustainable growth
Alibaba made a statement in the last quarter. An 8% increase in revenues, a 333% jump in profits, and an accelerated 13% cloud growth rate underscore the robustness of the business model. The AI-driven cloud division is shining with 6 consecutive quarters of significant AI revenue growth, a testament to the successful monetization of the Qwen models. The partnership with Apple, which exclusively distributes "Apple Intelligence" in China, underscores Alibaba's technology leadership. With planned investments of CNY 380 billion in AI infrastructure by 2027, the Company is demonstrating long-term foresight.
In its core market of China, Alibaba is demonstrating resilience: Taobao and Tmall are increasing customer management revenues by 9%, supported by 49 million premium "88VIP" users. Internationally, the Alibaba International Digital Commerce Group is shining with a 32% jump in revenues, driven by AliExpress and Trendyol. Despite competition from Temu and Shein, the divisions managed to improve. In addition, Alibaba is relying on strategic alliances, such as the joint venture with Shinsegae in South Korea, to capture local markets. The planned share buybacks of USD 20.7 billion by 2027 underscore the Company's confidence in its own valuation.
With a P/E ratio of 14, Alibaba is trading above peers such as PDD Holdings, but there are good reasons for this. The cloud division is becoming a growth engine, while the free cash flow of USD 5.3 billion in the quarter offers scope for dividends and acquisitions. Analysts see a target price of up to USD 195. Investors like Ryan Cohen, who holds shares worth around USD 1 billion, are betting on the AI transformation. With its planned AGI (Artificial General Intelligence) development and its leadership in the Chinese cloud market, Alibaba is not just an e-commerce champion but a tech champion with global ambitions. The weak NASDAQ dragged the stock down, and it is currently trading at USD 129.04.
The more uncertain the world, the greater the opportunities for pioneers. Palantir proves that even a dependency on military budgets can be compensated for by AI-driven efficiency. Nevertheless, the Company should ensure the state does not cut too many orders. Credissential demonstrates how fintechs are using quantum encryption and crypto integration to reinvent industries such as the automotive industry, while Alibaba is proving that Chinese tech giants can expand globally despite regulatory hurdles with AI clouds and global alliances.
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 hold shares or other financial instruments of the aforementioned companies in the future or may bet on rising or falling prices and thus a conflict of interest may arise in the future. The Relevant Persons reserve the right to buy or sell shares or other financial instruments of the Company at any time (hereinafter each a "Transaction"). Transactions may, under certain circumstances, influence the respective price of the shares or other financial instruments of the Company.
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