Close menu




February 8th, 2021 | 07:20 CET

Xiaomi, Marble Financial, Deutsche Telekom - you should check this!

  • Investments
Photo credits: pixabay.com

Corona has been dominating life in Germany for a year now. Whether professionally or privately - the pandemic has already left deep scars. The number of insolvencies fell last year thanks to government Corona aid and the suspension of the obligation to file for bankruptcy despite the economic crisis. Due to the extreme backlog of insolvencies and the increase in indebted households due to the loss of thousands of jobs, it is probably unavoidable that there will be a wave of bankruptcies. Controlling one's finances will become all the more crucial.

time to read: 3 minutes | Author: Stefan Feulner
ISIN: CA5660551097 , KYG9830T1067 , DE0005557508

Table of contents:


    Score in the foreground

    Marble Financial, an emerging Canadian fintech, is focusing on the credit scores of individuals. Twelve million Canadians are not creditworthy, according to Marble. Too weak a credit rating and too little financial knowledge are the leading causes. Using the power of machine learning and artificial intelligence, the Canadian data science Company has developed a platform, ScoreUp, that analyzes customers' financial structure and income levels and prescribes improvements using optimization tools. Consequently, the customer's credit score increases and so does the prospect of obtaining a loan from financial institutions.

    Many starting points

    In addition to ScoreUp, Marble Financial has other features on its platform. For example, the FastTrack program helps people reintegrate into the financial system after personal insolvency. The eLearning platform Maestro teaches interested people how to deal with household accounts, loans and money in general. The ambitious fintech's next goal is to launch a credit card cooperating with a major Canadian bank.

    Last week, it announced a partnership with VoPay International Inc. to provide its open banking payment solution to thousands of MyMarble customers. The partnership, which enables new payment options for consumers, eases the process of providing a single API integration for banking service providers.

    Currently, the Company is valued at just under CAD 20 million. In addition to trading in Toronto, this exciting Company can also be purchased on the German stock exchanges.

    Is the same fate threatening?

    The trade dispute between the US and China continues, even after the Trump era. The US published a blacklist of Chinese companies a few weeks ago. These companies are accused of stealing US intellectual property and spying on US citizens. As a countermeasure, China imposed tariffs on American products. Huawei, the largest smartphone manufacturer in China, received extremely harsh sanctions. The cell phone manufacturer was banned from using all Google services, and Android was only allowed in a particular variant. In addition, American suppliers are no longer allowed to produce Huawei's own Kirin chipsets. Another prominent Chinese smartphone manufacturer, Xiaomi, also ended up on the US blacklist. They are accused of having ties to the Chinese military. The Company's denial followed promptly. According to Xiaomi, they only make products for civilian use.

    Away with the apps

    It is unknown from whom the current measure originates. In any case, Xiaomi has started removing Google apps from their phones. Using a new update, the manually installed Google apps, which are not part of the country's package, will be removed automatically. The stock has been shocked by the incidents in recent days. The stock, which is traded on the Nasdaq in the US, corrected sharply from its all-time high of USD 23.20, which was reached at the beginning of January 2021, to currently USD 17.53. Due to the uncertain outlook concerning further sanctions, we currently advise against an investment. The next support area is around USD 15.00.

    The decision is approaching

    Since May of last year, Deutsche Telekom's chart has been stuck in a corridor between EUR 14.50 and EUR 15.50. The next support area is approaching. When will the breakout come? The figures of the subsidiary T-Mobile US did not help to break above the EUR 15.50 mark. Yet, the US subsidiary's path is fully geared to growth. T-Mobile's US revenue increased by a good 70% year-on-year to USD 20.3 billion in the fourth quarter. For the full year 2020, revenue increased by 52% to USD 68.4 billion. However, due to the costs of the merger with Sprint, which were completed in April, net profit in 2020 fell by almost 12% to USD 3.1 billion. In terms of annual targets for 2021, T-Mobile US fell short of analysts' forecasts.

    Analysts optimistic for the parent company

    US bank JPMorgan raised its price target for Deutsche Telekom from EUR 23.30 to EUR 24.90 and left its rating at "overweight." Analyst Akhil Dattani revised his estimates upward in a report available Friday, citing strong quarterly figures and a good outlook from subsidiary T-Mobile US. Credit Suisse also upgraded its rating on Deutsche Telekom to "outperform" following the subsidiary's figures. The Swiss have set their price target at EUR 20.00. From a chart perspective, the Telekom-share should leave the area above EUR 15.72. We see the next price target at EUR 18.00. Fundamentally, we are convinced by the stock at the current level.


    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 news.financial. 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

    Stefan Feulner

    The native Franconian has more than 20 years of stock exchange experience and a broadly diversified network.
    He is passionate about analyzing a wide variety of business models and investigating new trends.

    About the author



    Related comments:

    Commented by Stefan Feulner on March 20th, 2023 | 09:37 CET

    Evotec, Defence Therapeutics, Morphosys - Movement in the biotech sector

    • Biotechnology
    • Investments

    Is a new wave of takeovers starting in the biotech sector? Already last year, acquisitions by Big Pharma were expected to increase, but these largely failed to materialize. However, this could accelerate in the current year. On the one hand, pharmaceutical companies, such as vaccine manufacturer Pfizer, have deep pockets and need new innovations for their product portfolio; on the other hand, second-tier stocks are attractive targets due to the strong correction.

    Read

    Commented by Juliane Zielonka on March 17th, 2023 | 19:17 CET

    First Hydrogen, Volkswagen, Daimler Truck - The unstoppable energy transition, who is winning the race?

    • Hydrogen
    • fuelcell
    • Investments

    Canadian fuel cell manufacturer Ballard Power joins First Hydrogen for LCV test drive. The two companies are cooperating to produce the world's first hydrogen-powered vans. According to expert forecasts, the logistics industry will be worth EUR 13.7 billions by 2027. Change at Volkswagen's premium Audi brand is proceeding rather sluggishly. The regulations imposed by the EU are causing problems for CEO Duesmann, who sees it as unrealistic to implement everything that Brussels demands by 2025. Daimler Truck, on the other hand, is looking forward to a major order that will soon get 1.8 million people in the Hamburg metropolitan region moving. The Hamburg-Holstein transport authority signs a major order.

    Read

    Commented by Juliane Zielonka on March 16th, 2023 | 12:07 CET

    Alpina Holdings, Vonovia, Credit Suisse - Real estate market booms in Asia, Europe staggers along

    • RealEstate
    • Investments
    • Banking

    The Silicon Valley Bank knockout is also making its rounds on this side of the Atlantic. Credit Suisse shares are currently reeling, sliding 30% lower, after its main shareholder ruled out further support. This helped drag down all European banks. That is not all. The real estate industry across Europe is also trembling as the EU Parliament has passed a resolution for the compulsory renovation of all houses. By 2050, all buildings in Europe are to be climate-neutral. As early as 2028, only buildings that are considered "emission-free" are to be allowed to be built. Existing buildings will have to be refurbished if they are deemed to be in poor condition. That means immense renovation costs for the Vonovia real estate group, which is suspected of corruption. The Singapore-based company Alpina Holdings is in a better position here. The Company builds and manages both public and private properties in the Lion City. Read here what this means for investors.

    Read