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{"i18n":{"language":"zh_CN"},"detailType":1,"isChannel":false,"data":{"magic":2,"id":630835351,"tweetId":"630835351","gmtCreate":1642768267404,"gmtModify":1642768734292,"author":{"id":3567471451546980,"idStr":"3567471451546980","authorId":3567471451546980,"authorIdStr":"3567471451546980","name":"nAonkA","avatar":"https://static.tigerbbs.com/2c5905f2cf61636f82bdd3d58203997c","vip":1,"userType":1,"introduction":"","boolIsFan":false,"boolIsHead":false,"crmLevel":11,"crmLevelSwitch":0,"individualDisplayBadges":[],"wearingBadges":[],"fanSize":20,"starInvestorFlag":false},"themes":[],"images":[],"coverImages":[],"title":"","extraTitle":"","html":"<html><head></head><body>Ok</body></html>","htmlText":"<html><head></head><body>Ok</body></html>","text":"Ok","highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":1,"repostSize":0,"favoriteSize":0,"link":"https://laohu8.com/post/630835351","repostId":1171199849,"repostType":4,"repost":{"id":"1171199849","kind":"news","pubTimestamp":1642753679,"share":"https://www.laohunote.com/m/news/1171199849?lang=zh_CN&edition=full","pubTime":"2022-01-21 16:27","market":"us","language":"en","title":"Want $1 Million? 2 Monster Growth Stocks to Buy Now and Hold for the Next Decade<blockquote>想要100万美元？立即购买并持有未来十年的 2 只巨型成长型股票</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1171199849","media":"Motley Fool","summary":"$250,000 invested in these high-growth companies could be worth $1 million in 10 years.","content":"<html><head></head><body>Key Points<blockquote><html><head></head><body>要点</body></html></blockquote><ul><li>A long-term mindset and a diversified portfolio can help you build life-changing wealth.</li><li>Shopify’s portfolio of software and services simplifies commerce for small businesses.</li><li>Upstart’s AI models help banks lend money to more people without taking on additional risk.</li></ul>Legendary investor Peter Lynch once told investors: &#34;All you need for a lifetime of successful investing is a few big winners.&#34; He reasoned that the monster returns generated by a few investments would more than make up for any losses. And that makes sense. If you invest $10 in a stock, the worst outcome is a loss of $10. But there is no limit on the upside. That $10 could grow several-fold in value.<blockquote><ul><li>长远的心态和多元化的投资组合可以帮助您积累改变生活的财富。</li><li>Shopify 的软件和服务组合简化了小型企业的商务流程。</li><li>Upstart 的人工智能模型帮助银行向更多人放贷，而无需承担额外风险。</li></ul>传奇投资人彼得·林奇曾对投资人说：“一生成功投资所需要的只是几个大赢家。”他推断，几笔投资产生的巨额回报足以弥补任何损失。这很有道理。如果你投资10美元买一只股票，最坏的结果是损失10美元。但上行空间是无限的。这 10 美元的价值可能会增长数倍。</blockquote>Unfortunately, there is no single formula or valuation metric that will help you pick big winners with absolute certainty. That&#39;s why it&#39;s important to build a diversified portfolio. Put another way, investors should aim to own at least 25 high-quality stocks. Doing so minimizes your exposure to any single business or industry, which helps reduce downside risk.<blockquote>不幸的是，没有单一的公式或估值指标可以帮助您绝对确定地选择大赢家。这就是为什么建立多元化的投资组合很重要。换句话说，投资者的目标应该是拥有至少 25 只优质股票。这样做可以最大限度地减少你对任何单一业务或行业的接触，这有助于降低下行风险。</blockquote><img src=\"https://static.tigerbbs.com/308a08a13a8526eef208d44429525a7a\" tg-width=\"2000\" tg-height=\"1333\" width=\"100%\" height=\"auto\"/>IMAGE SOURCE: GETTY IMAGES.<blockquote>图片来源：盖蒂图片社。</blockquote>With that in mind, Shopify and Upstart Holdings look like good building blocks for a market-beating portfolio. In fact, I think both stocks could grow fourfold over the next 10 years, a pace that would turn $250,000 into $1 million.<blockquote>考虑到这一点，商店和新贵控股看起来像是跑赢市场的投资组合的良好组成部分。事实上，我认为这两只股票在未来 10 年内都可能增长四倍，这一速度将使 25 万美元变成 100 万美元。</blockquote>Here&#39;s why.<blockquote>原因如下。</blockquote>1. Shopify<blockquote>1. 商店</blockquote>Shopify has become the retail operating system for over 1.7 million businesses. Its portfolio of software and services helps merchants manage sales across physical and digital storefronts, including websites, social platforms, and online marketplaces. Additionally, the Shopify App Store offers thousands of additional software solutions, such as tools for marketing and enterprise resource planning.<blockquote>Shopify已经成为超过170万家企业的零售操作系统。其软件和服务组合可帮助商家管理实体和数字店面的销售，包括网站、社交平台和在线市场。此外，Shopify应用商店还提供数千种其他软件解决方案，如营销和企业资源规划工具。</blockquote>Of particular note, the company&#39;s business model differentiates it from rivals like Amazon. Specifically, Shopify helps merchants grow their brands and build lasting relationships with customers -- the company doesn&#39;t pull sellers onto a common marketplace then compete against them by selling similar products at cheaper prices.<blockquote>特别值得注意的是，该公司的商业模式使其有别于竞争对手，例如亚马逊具体来说，Shopify 帮助商家发展品牌并与客户建立持久的关系——该公司不会将卖家拉到一个共同的市场，然后通过以更便宜的价格销售类似的产品来与他们竞争。</blockquote>Not surprisingly, Shopify&#39;s merchant-centric business model and broad product portfolio have it made quite popular with small- and medium-sized businesses, as evidenced by the company&#39;s impressive sales growth over the past 12 months.<blockquote>毫不奇怪，Shopify 以商家为中心的商业模式和广泛的产品组合使其在中小型企业中非常受欢迎，该公司过去 12 个月令人印象深刻的销售增长就证明了这一点。</blockquote><img src=\"https://static.tigerbbs.com/a6fc34234732afb814af64bed5b0a367\" tg-width=\"1149\" tg-height=\"161\" width=\"100%\" height=\"auto\"/>SOURCE: YCHARTS. TTM = TRAILING-12-MONTHS.<blockquote>来源：YCHARTS。TTM=过去12个月。</blockquote>Impressively, Shopify has grown its bottom line even more quickly, as free cash flow surged 150% to $458 million over the past year. And the company is well-positioned to maintain that momentum, as its founder-led management team is executing on a robust growth strategy.<blockquote>令人印象深刻的是，Shopify 的利润增长得更快，自由现金流在过去一年激增了 150%，达到 4.58 亿美元。该公司处于有利地位，可以保持这种势头，因为其创始人领导的管理团队正在执行强劲的增长战略。</blockquote>For instance, the Shopify Fulfillment Network leans on artificial intelligence and collaborative robots to help merchants ship orders more quickly and cost-effectively. And the Shop mobile app aims to drive buyer engagement and boost repeat purchases by making relevant product recommendations. In fact, despite launching in April 2020, the Shop app surpassed 118 million registered users in the second quarter of 2021, and that number continued to rise in the third quarter.<blockquote>例如，Shopify履行网络依靠人工智能和协作机器人来帮助商家更快、更具成本效益地运送订单。商店移动应用程序旨在通过提出相关的产品推荐来推动买家参与度并促进重复购买。事实上，尽管于 2020 年 4 月推出，但 Shop 应用在 2021 年第二季度的注册用户超过了 1.18 亿，并且这一数字在第三季度继续上升。</blockquote>Shopify is currently the most popular e-commerce software platform on the market, powering 27% of all online storefronts. In short, the company has a strong competitive position, and management&#39;s ambitious vision should help Shopify capitalize on its $153 billion market opportunity. That&#39;s why I think this company could grow fourfold over the next 10 years, achieving a market cap of $550 billion.<blockquote>Shopify是目前市场上最受欢迎的电子商务软件平台，为27%的在线店面提供支持。简而言之，该公司拥有强大的竞争地位，管理层雄心勃勃的愿景应该可以帮助 Shopify 利用其 1530 亿美元的市场机会。这就是为什么我认为这家公司可以在未来 10 年内增长四倍，达到 5500 亿美元的市值。</blockquote>2. Upstart Holdings<blockquote>2. 新贵控股</blockquote>Upstart is a fintech company on a mission to modernize the consumer credit industry. Traditionally, banks have made lending decisions using relatively small data sets -- even the most sophisticated credit models incorporate just 30 variables. In turn, lenders frequently make the wrong decisions. That means some creditworthy borrowers are rejected, and those that are approved often pay too much in interest.<blockquote>Upstart 是一家金融科技公司，其使命是实现消费信贷行业现代化。传统上，银行使用相对较小的数据集做出贷款决策——即使是最复杂的信贷模型也只包含 30 个变量。反过来，贷款人经常做出错误的决定。这意味着一些信用良好的借款人被拒绝，而那些获得批准的借款人往往支付过多的利息。</blockquote>Upstart uses big data and artificial intelligence to make that system more efficient. Specifically, its platform captures over 1,600 data points per applicant and measures those variables against repayment events. Put another way, each time a borrower makes or misses a payment, Upstart&#39;s AI models get a little smarter, creating a flywheel effect: More data means better AI, and better AI means more lending partners (and more data).<blockquote>Upstart 使用大数据和人工智能来提高该系统的效率。具体来说，其平台捕获每个申请人超过 1,600 个数据点，并根据还款事件衡量这些变量。换句话说，每次借款人付款或未付款时，Upstart 的人工智能模型都会变得更加智能，从而产生飞轮效应：更多的数据意味着更好的人工智能，更好的人工智能意味着更多的贷款合作伙伴（以及更多的数据）。</blockquote>Despite being a relatively young company, the early results are promising. Internal studies have shown that Upstart&#39;s AI models can reduce loss rates by 75%, while keeping approval rates constant. Alternatively, Upstart can boost approval rates by 173% while keeping loss rates constant.<blockquote>尽管是一家相对年轻的公司，但早期业绩令人鼓舞。内部研究表明，Upstart 的人工智能模型可以将损失率降低 75%，同时保持批准率不变。或者，Upstart 可以将批准率提高 173%，同时保持损失率不变。</blockquote>Given those results, lenders like banks, credit unions, and auto dealerships are adopting Upstart&#39;s platform at a rapid pace, and that has fueled an impressive top-line performance over the past year.<blockquote>鉴于这些结果，银行、信用合作社和汽车经销商等贷方正在快速采用 Upstart 的平台，这推动了过去一年令人印象深刻的营收表现。</blockquote><img src=\"https://static.tigerbbs.com/a7fc6ec87c6a0aa6498067565dacf08e\" tg-width=\"1150\" tg-height=\"162\" width=\"100%\" height=\"auto\"/>SOURCE: YCHARTS. TTM = TRAILING-12-MONTHS.<blockquote>来源：YCHARTS。TTM=过去12个月。</blockquote>Of particular note, unlike many high-growth companies, Upstart is profitable on a GAAP basis, as net income reached $77.5 million over the past 12 months. Even so, this fintech has hardly scratched the surface of its potential. In fact, Upstart powered $8.9 billion in loans in the last year, less than 2% of its $753 billion market opportunity, a figure that comprises both personal loan originations and auto loan originations in the U.S.<blockquote>特别值得注意的是，与许多高增长公司不同，Upstart 按 GAAP 计算是盈利的，过去 12 个月的净利润达到 7750 万美元。即便如此，这家金融科技公司几乎没有触及其潜力的表面。事实上，Upstart 去年提供了 89 亿美元的贷款，不到其 7,530 亿美元市场机会的 2%，这一数字包括美国的个人贷款发放和汽车贷款发放。</blockquote>However, Upstart&#39;s market opportunity will likely continue to grow over the coming decade, as management has expressed interest in the $4.5 trillion mortgage origination industry. To that end, I wouldn&#39;t be surprised to see Upstart&#39;s market cap climb from $9 billion today to $36 billion in 10 years&#39; time. That&#39;s why this growth stock looks like a smart long-term investment.<blockquote>然而，Upstart 的市场机会可能会在未来十年继续增长，因为管理层已表示对 4.5 万亿美元的抵押贷款发放行业感兴趣。为此，如果看到 Upstart 的市值从今天的 90 亿美元攀升至 10 年后的 360 亿美元，我不会感到惊讶。这就是为什么这只成长型股票看起来是一项明智的长期投资。</blockquote></body></html><blockquote></blockquote>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Want $1 Million? 2 Monster Growth Stocks to Buy Now and Hold for the Next Decade<blockquote>想要100万美元？立即购买并持有未来十年的 2 只巨型成长型股票</blockquote></title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nWant $1 Million? 2 Monster Growth Stocks to Buy Now and Hold for the Next Decade<blockquote>想要100万美元？立即购买并持有未来十年的 2 只巨型成长型股票</blockquote>\n</h2>\n<h4 class=\"meta\">\n\nMotley Fool2022-01-21 16:27\n\n</h4>\n</header>\n<article>\n<html><head></head><body>Key Points<blockquote><html><head></head><body>要点</body></html></blockquote><ul><li>A long-term mindset and a diversified portfolio can help you build life-changing wealth.</li><li>Shopify’s portfolio of software and services simplifies commerce for small businesses.</li><li>Upstart’s AI models help banks lend money to more people without taking on additional risk.</li></ul>Legendary investor Peter Lynch once told investors: &#34;All you need for a lifetime of successful investing is a few big winners.&#34; He reasoned that the monster returns generated by a few investments would more than make up for any losses. And that makes sense. If you invest $10 in a stock, the worst outcome is a loss of $10. But there is no limit on the upside. That $10 could grow several-fold in value.<blockquote><ul><li>长远的心态和多元化的投资组合可以帮助您积累改变生活的财富。</li><li>Shopify 的软件和服务组合简化了小型企业的商务流程。</li><li>Upstart 的人工智能模型帮助银行向更多人放贷，而无需承担额外风险。</li></ul>传奇投资人彼得·林奇曾对投资人说：“一生成功投资所需要的只是几个大赢家。”他推断，几笔投资产生的巨额回报足以弥补任何损失。这很有道理。如果你投资10美元买一只股票，最坏的结果是损失10美元。但上行空间是无限的。这 10 美元的价值可能会增长数倍。</blockquote>Unfortunately, there is no single formula or valuation metric that will help you pick big winners with absolute certainty. That&#39;s why it&#39;s important to build a diversified portfolio. Put another way, investors should aim to own at least 25 high-quality stocks. Doing so minimizes your exposure to any single business or industry, which helps reduce downside risk.<blockquote>不幸的是，没有单一的公式或估值指标可以帮助您绝对确定地选择大赢家。这就是为什么建立多元化的投资组合很重要。换句话说，投资者的目标应该是拥有至少 25 只优质股票。这样做可以最大限度地减少你对任何单一业务或行业的接触，这有助于降低下行风险。</blockquote><img src=\"https://static.tigerbbs.com/308a08a13a8526eef208d44429525a7a\" tg-width=\"2000\" tg-height=\"1333\" width=\"100%\" height=\"auto\"/>IMAGE SOURCE: GETTY IMAGES.<blockquote>图片来源：盖蒂图片社。</blockquote>With that in mind, Shopify and Upstart Holdings look like good building blocks for a market-beating portfolio. In fact, I think both stocks could grow fourfold over the next 10 years, a pace that would turn $250,000 into $1 million.<blockquote>考虑到这一点，商店和新贵控股看起来像是跑赢市场的投资组合的良好组成部分。事实上，我认为这两只股票在未来 10 年内都可能增长四倍，这一速度将使 25 万美元变成 100 万美元。</blockquote>Here&#39;s why.<blockquote>原因如下。</blockquote>1. Shopify<blockquote>1. 商店</blockquote>Shopify has become the retail operating system for over 1.7 million businesses. Its portfolio of software and services helps merchants manage sales across physical and digital storefronts, including websites, social platforms, and online marketplaces. Additionally, the Shopify App Store offers thousands of additional software solutions, such as tools for marketing and enterprise resource planning.<blockquote>Shopify已经成为超过170万家企业的零售操作系统。其软件和服务组合可帮助商家管理实体和数字店面的销售，包括网站、社交平台和在线市场。此外，Shopify应用商店还提供数千种其他软件解决方案，如营销和企业资源规划工具。</blockquote>Of particular note, the company&#39;s business model differentiates it from rivals like Amazon. Specifically, Shopify helps merchants grow their brands and build lasting relationships with customers -- the company doesn&#39;t pull sellers onto a common marketplace then compete against them by selling similar products at cheaper prices.<blockquote>特别值得注意的是，该公司的商业模式使其有别于竞争对手，例如亚马逊具体来说，Shopify 帮助商家发展品牌并与客户建立持久的关系——该公司不会将卖家拉到一个共同的市场，然后通过以更便宜的价格销售类似的产品来与他们竞争。</blockquote>Not surprisingly, Shopify&#39;s merchant-centric business model and broad product portfolio have it made quite popular with small- and medium-sized businesses, as evidenced by the company&#39;s impressive sales growth over the past 12 months.<blockquote>毫不奇怪，Shopify 以商家为中心的商业模式和广泛的产品组合使其在中小型企业中非常受欢迎，该公司过去 12 个月令人印象深刻的销售增长就证明了这一点。</blockquote><img src=\"https://static.tigerbbs.com/a6fc34234732afb814af64bed5b0a367\" tg-width=\"1149\" tg-height=\"161\" width=\"100%\" height=\"auto\"/>SOURCE: YCHARTS. TTM = TRAILING-12-MONTHS.<blockquote>来源：YCHARTS。TTM=过去12个月。</blockquote>Impressively, Shopify has grown its bottom line even more quickly, as free cash flow surged 150% to $458 million over the past year. And the company is well-positioned to maintain that momentum, as its founder-led management team is executing on a robust growth strategy.<blockquote>令人印象深刻的是，Shopify 的利润增长得更快，自由现金流在过去一年激增了 150%，达到 4.58 亿美元。该公司处于有利地位，可以保持这种势头，因为其创始人领导的管理团队正在执行强劲的增长战略。</blockquote>For instance, the Shopify Fulfillment Network leans on artificial intelligence and collaborative robots to help merchants ship orders more quickly and cost-effectively. And the Shop mobile app aims to drive buyer engagement and boost repeat purchases by making relevant product recommendations. In fact, despite launching in April 2020, the Shop app surpassed 118 million registered users in the second quarter of 2021, and that number continued to rise in the third quarter.<blockquote>例如，Shopify履行网络依靠人工智能和协作机器人来帮助商家更快、更具成本效益地运送订单。商店移动应用程序旨在通过提出相关的产品推荐来推动买家参与度并促进重复购买。事实上，尽管于 2020 年 4 月推出，但 Shop 应用在 2021 年第二季度的注册用户超过了 1.18 亿，并且这一数字在第三季度继续上升。</blockquote>Shopify is currently the most popular e-commerce software platform on the market, powering 27% of all online storefronts. In short, the company has a strong competitive position, and management&#39;s ambitious vision should help Shopify capitalize on its $153 billion market opportunity. That&#39;s why I think this company could grow fourfold over the next 10 years, achieving a market cap of $550 billion.<blockquote>Shopify是目前市场上最受欢迎的电子商务软件平台，为27%的在线店面提供支持。简而言之，该公司拥有强大的竞争地位，管理层雄心勃勃的愿景应该可以帮助 Shopify 利用其 1530 亿美元的市场机会。这就是为什么我认为这家公司可以在未来 10 年内增长四倍，达到 5500 亿美元的市值。</blockquote>2. Upstart Holdings<blockquote>2. 新贵控股</blockquote>Upstart is a fintech company on a mission to modernize the consumer credit industry. Traditionally, banks have made lending decisions using relatively small data sets -- even the most sophisticated credit models incorporate just 30 variables. In turn, lenders frequently make the wrong decisions. That means some creditworthy borrowers are rejected, and those that are approved often pay too much in interest.<blockquote>Upstart 是一家金融科技公司，其使命是实现消费信贷行业现代化。传统上，银行使用相对较小的数据集做出贷款决策——即使是最复杂的信贷模型也只包含 30 个变量。反过来，贷款人经常做出错误的决定。这意味着一些信用良好的借款人被拒绝，而那些获得批准的借款人往往支付过多的利息。</blockquote>Upstart uses big data and artificial intelligence to make that system more efficient. Specifically, its platform captures over 1,600 data points per applicant and measures those variables against repayment events. Put another way, each time a borrower makes or misses a payment, Upstart&#39;s AI models get a little smarter, creating a flywheel effect: More data means better AI, and better AI means more lending partners (and more data).<blockquote>Upstart 使用大数据和人工智能来提高该系统的效率。具体来说，其平台捕获每个申请人超过 1,600 个数据点，并根据还款事件衡量这些变量。换句话说，每次借款人付款或未付款时，Upstart 的人工智能模型都会变得更加智能，从而产生飞轮效应：更多的数据意味着更好的人工智能，更好的人工智能意味着更多的贷款合作伙伴（以及更多的数据）。</blockquote>Despite being a relatively young company, the early results are promising. Internal studies have shown that Upstart&#39;s AI models can reduce loss rates by 75%, while keeping approval rates constant. Alternatively, Upstart can boost approval rates by 173% while keeping loss rates constant.<blockquote>尽管是一家相对年轻的公司，但早期业绩令人鼓舞。内部研究表明，Upstart 的人工智能模型可以将损失率降低 75%，同时保持批准率不变。或者，Upstart 可以将批准率提高 173%，同时保持损失率不变。</blockquote>Given those results, lenders like banks, credit unions, and auto dealerships are adopting Upstart&#39;s platform at a rapid pace, and that has fueled an impressive top-line performance over the past year.<blockquote>鉴于这些结果，银行、信用合作社和汽车经销商等贷方正在快速采用 Upstart 的平台，这推动了过去一年令人印象深刻的营收表现。</blockquote><img src=\"https://static.tigerbbs.com/a7fc6ec87c6a0aa6498067565dacf08e\" tg-width=\"1150\" tg-height=\"162\" width=\"100%\" height=\"auto\"/>SOURCE: YCHARTS. TTM = TRAILING-12-MONTHS.<blockquote>来源：YCHARTS。TTM=过去12个月。</blockquote>Of particular note, unlike many high-growth companies, Upstart is profitable on a GAAP basis, as net income reached $77.5 million over the past 12 months. Even so, this fintech has hardly scratched the surface of its potential. In fact, Upstart powered $8.9 billion in loans in the last year, less than 2% of its $753 billion market opportunity, a figure that comprises both personal loan originations and auto loan originations in the U.S.<blockquote>特别值得注意的是，与许多高增长公司不同，Upstart 按 GAAP 计算是盈利的，过去 12 个月的净利润达到 7750 万美元。即便如此，这家金融科技公司几乎没有触及其潜力的表面。事实上，Upstart 去年提供了 89 亿美元的贷款，不到其 7,530 亿美元市场机会的 2%，这一数字包括美国的个人贷款发放和汽车贷款发放。</blockquote>However, Upstart&#39;s market opportunity will likely continue to grow over the coming decade, as management has expressed interest in the $4.5 trillion mortgage origination industry. To that end, I wouldn&#39;t be surprised to see Upstart&#39;s market cap climb from $9 billion today to $36 billion in 10 years&#39; time. That&#39;s why this growth stock looks like a smart long-term investment.<blockquote>然而，Upstart 的市场机会可能会在未来十年继续增长，因为管理层已表示对 4.5 万亿美元的抵押贷款发放行业感兴趣。为此，如果看到 Upstart 的市值从今天的 90 亿美元攀升至 10 年后的 360 亿美元，我不会感到惊讶。这就是为什么这只成长型股票看起来是一项明智的长期投资。</blockquote></body></html><blockquote></blockquote>\n<div class=\"bt-text\">\n\n\n 来源：<a href=\"https://www.fool.com/investing/2022/01/20/want-1-million-2-monster-growth-stocks-to-buy-now/\">Motley Fool</a>\n为提升您的阅读体验，我们对本页面进行了排版优化\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"UPST":"Upstart Holdings, Inc.","SHOP":"Shopify Inc"},"source_url":"https://www.fool.com/investing/2022/01/20/want-1-million-2-monster-growth-stocks-to-buy-now/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1171199849","content_text":"Key PointsA long-term mindset and a diversified portfolio can help you build life-changing wealth.Shopify’s portfolio of software and services simplifies commerce for small businesses.Upstart’s AI models help banks lend money to more people without taking on additional risk.Legendary investor Peter Lynch once told investors: \"All you need for a lifetime of successful investing is a few big winners.\" He reasoned that the monster returns generated by a few investments would more than make up for any losses. And that makes sense. If you invest $10 in a stock, the worst outcome is a loss of $10. But there is no limit on the upside. That $10 could grow several-fold in value.Unfortunately, there is no single formula or valuation metric that will help you pick big winners with absolute certainty. That's why it's important to build a diversified portfolio. Put another way, investors should aim to own at least 25 high-quality stocks. Doing so minimizes your exposure to any single business or industry, which helps reduce downside risk.IMAGE SOURCE: GETTY IMAGES.With that in mind, Shopify and Upstart Holdings look like good building blocks for a market-beating portfolio. In fact, I think both stocks could grow fourfold over the next 10 years, a pace that would turn $250,000 into $1 million.Here's why.1. ShopifyShopify has become the retail operating system for over 1.7 million businesses. Its portfolio of software and services helps merchants manage sales across physical and digital storefronts, including websites, social platforms, and online marketplaces. Additionally, the Shopify App Store offers thousands of additional software solutions, such as tools for marketing and enterprise resource planning.Of particular note, the company's business model differentiates it from rivals like Amazon. Specifically, Shopify helps merchants grow their brands and build lasting relationships with customers -- the company doesn't pull sellers onto a common marketplace then compete against them by selling similar products at cheaper prices.Not surprisingly, Shopify's merchant-centric business model and broad product portfolio have it made quite popular with small- and medium-sized businesses, as evidenced by the company's impressive sales growth over the past 12 months.SOURCE: YCHARTS. TTM = TRAILING-12-MONTHS.Impressively, Shopify has grown its bottom line even more quickly, as free cash flow surged 150% to $458 million over the past year. And the company is well-positioned to maintain that momentum, as its founder-led management team is executing on a robust growth strategy.For instance, the Shopify Fulfillment Network leans on artificial intelligence and collaborative robots to help merchants ship orders more quickly and cost-effectively. And the Shop mobile app aims to drive buyer engagement and boost repeat purchases by making relevant product recommendations. In fact, despite launching in April 2020, the Shop app surpassed 118 million registered users in the second quarter of 2021, and that number continued to rise in the third quarter.Shopify is currently the most popular e-commerce software platform on the market, powering 27% of all online storefronts. In short, the company has a strong competitive position, and management's ambitious vision should help Shopify capitalize on its $153 billion market opportunity. That's why I think this company could grow fourfold over the next 10 years, achieving a market cap of $550 billion.2. Upstart HoldingsUpstart is a fintech company on a mission to modernize the consumer credit industry. Traditionally, banks have made lending decisions using relatively small data sets -- even the most sophisticated credit models incorporate just 30 variables. In turn, lenders frequently make the wrong decisions. That means some creditworthy borrowers are rejected, and those that are approved often pay too much in interest.Upstart uses big data and artificial intelligence to make that system more efficient. Specifically, its platform captures over 1,600 data points per applicant and measures those variables against repayment events. Put another way, each time a borrower makes or misses a payment, Upstart's AI models get a little smarter, creating a flywheel effect: More data means better AI, and better AI means more lending partners (and more data).Despite being a relatively young company, the early results are promising. Internal studies have shown that Upstart's AI models can reduce loss rates by 75%, while keeping approval rates constant. Alternatively, Upstart can boost approval rates by 173% while keeping loss rates constant.Given those results, lenders like banks, credit unions, and auto dealerships are adopting Upstart's platform at a rapid pace, and that has fueled an impressive top-line performance over the past year.SOURCE: YCHARTS. TTM = TRAILING-12-MONTHS.Of particular note, unlike many high-growth companies, Upstart is profitable on a GAAP basis, as net income reached $77.5 million over the past 12 months. Even so, this fintech has hardly scratched the surface of its potential. In fact, Upstart powered $8.9 billion in loans in the last year, less than 2% of its $753 billion market opportunity, a figure that comprises both personal loan originations and auto loan originations in the U.S.However, Upstart's market opportunity will likely continue to grow over the coming decade, as management has expressed interest in the $4.5 trillion mortgage origination industry. To that end, I wouldn't be surprised to see Upstart's market cap climb from $9 billion today to $36 billion in 10 years' time. That's why this growth stock looks like a smart long-term investment.","news_type":1,"symbols_score_info":{"SHOP":0.9,"UPST":0.9}},"isVote":1,"tweetType":1,"viewCount":3312,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":[],"verified":2,"subType":0,"readableState":1,"langContent":"CN","currentLanguage":"CN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"andRepostAutoSelectedFlag":false,"upFlag":false,"length":2,"subscribersOnly":false,"subscribersOnlyAccessible":false,"xxTargetLangEnum":"ZH_CN"},"commentList":[],"isCommentEnd":true,"isTiger":false,"isWeiXinMini":false,"url":"/m/post/630835351"}