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- YUSYUS
  ·2021-10-29
  Disappointing for now but will bounce back soon enough
  Amazon badly misses on earnings and revenue, gives disappointing guidance<blockquote>亚马逊的盈利和收入严重低迷，给出的指引令人失望</blockquote>
  Amazon shares dropped more than 4% in extended trading on Thursday after the company reported weaker
  Amazon badly misses on earnings and revenue, gives disappointing guidance<blockquote>亚马逊的盈利和收入严重低迷，给出的指引令人失望</blockquote>
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- YUSYUS
  ·2021-10-14
  Cool
  Want to Beat Wall Street? Buy and Hold This Growth Stock<blockquote>想打败华尔街吗？购买并持有这只成长型股票</blockquote>
  It's pricey today, but it has what it takes for a long run of strong growth.
  Want to Beat Wall Street? Buy and Hold This Growth Stock<blockquote>想打败华尔街吗？购买并持有这只成长型股票</blockquote>
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Revenue in the third quarter rose 15%, down from 37% growth in the same period a year ago.</p><p><blockquote>随着消费者重返实体店以及该公司面临供应链挑战，亚马逊正在考虑销售增长放缓。第三季度收入增长15%，低于去年同期37%的增长率。</blockquote></p><p> For the fourth quarter, Amazon forecast sales between $130 billion and $140 billion, representing growth between 4% and 12%. Analysts surveyed by FactSet were expecting revenue to rise 13.2% year-over-year to $142.1 billion.</p><p><blockquote>亚马逊预计第四季度销售额将在 1300 亿美元至 1400 亿美元之间，增长率在 4% 至 12% 之间。FactSet 调查的分析师预计收入将同比增长 13.2%，达到 1,421 亿美元。</blockquote></p><p> Amazon.com Inc&nbsp;on Thursday reported a slump in profit that it expects will continue through the holiday quarter, as higher wages and spending to attract workers diminish the company's windfall from online shopping.</p><p><blockquote>亚马逊周四报告称，由于工资上涨和吸引工人的支出减少了该公司网上购物带来的意外之财，预计利润下滑将持续到假日季度。</blockquote></p><p> After a year of blockbuster results, the world's largest online retailer is facing a tougher outlook. In a tight labor market, it has boosted average U.S. warehouse pay to $18 per hour and marketed ever bigger signing bonuses to attract blue-collar staff it needs to keep its high-turnover operation humming.</p><p><blockquote>在经历了一年的重磅业绩后，这家全球最大的在线零售商面临着更加严峻的前景。在劳动力市场紧张的情况下，该公司将美国仓库平均工资提高到每小时 18 美元，并推出了更高的签约奖金，以吸引维持高流动率运营所需的蓝领员工。</blockquote></p><p> The company meanwhile is contending with global supply chain disruptions. It has doubled its container processing ability, expanded its delivery service partner program and has ramped up its warehouse investments - all at a noteworthy cost.</p><p><blockquote>与此同时，该公司正在应对全球供应链中断。它将集装箱处理能力提高了一倍，扩大了交付服务合作伙伴计划，并增加了仓库投资——所有这些都付出了值得注意的代价。</blockquote></p><p> The company said it expects operating profit for the current quarter to be between $0 and $3.0 billion, short of $6.9 billion Amazon posted the year prior. In the just-ended third quarter, net income fell by about 50% to $3.16 billion, a first since the start of the coronavirus pandemic in the United States.</p><p><blockquote>该公司表示，预计本季度营业利润将在 0 至 30 亿美元之间，低于亚马逊上年公布的 69 亿美元。在刚刚结束的第三季度，净利润下降了约50%，至31.6亿美元，这是自美国冠状病毒大流行开始以来的首次。</blockquote></p><p> Andy Jassy, who took the helm of Amazon as CEO in July, said in a statement the company would incur several billion dollars of extra expenses in its consumer business to deal with higher shipping costs, increased wages and labor shortages.</p><p><blockquote>7 月份接任亚马逊首席执行官的安迪·贾西 (Andy Jassy) 在一份声明中表示，该公司将在消费者业务中产生数十亿美元的额外费用，以应对更高的运输成本、工资上涨和劳动力短缺。</blockquote></p><p> Amazon is \"doing whatever it takes to minimize the impact on customers and selling partners this holiday season,\" he said. \"It'll be expensive for us in the short term, but it's the right prioritization for our customers and partners.\"</p><p><blockquote>他说，亚马逊“正在尽一切努力尽量减少这个假期对客户和销售合作伙伴的影响”。“短期内这对我们来说会很昂贵，但对于我们的客户和合作伙伴来说，这是正确的优先事项。”</blockquote></p><p> The retailer has strived to prevent a repeat of the 2013 season when delays left some without presents on Christmas Day.</p><p><blockquote>该零售商一直在努力防止2013年的重演，当时延误导致一些人在圣诞节没有礼物。</blockquote></p><p> Retailers are facing supply constraints on everything from toys and Nike sneakers to laptops, making it difficult for them to stock their shelves.</p><p><blockquote>从玩具、耐克运动鞋到笔记本电脑，零售商都面临着供应限制，这使得他们很难在货架上进货。</blockquote></p><p> Supply chain woes are also costing Apple Inc&nbsp;- $6 billion in sales during the company's fiscal fourth quarter according to results released on Thursday. Apple Chief Executive Tim Cook said that the impact will be even worse during the holiday sales quarter.</p><p><blockquote>供应链困境也给苹果公司造成了损失——根据周四发布的业绩，该公司第四财季的销售额为 60 亿美元。苹果首席执行官蒂姆·库克表示，假日销售季度的影响将更加严重。</blockquote></p><p> Some analysts like Nicholas Hyett of Hargreaves Lansdown gave Amazon a pass, recognizing the company's track record of high spending to deliver for customers has paid off in the long run.</p><p><blockquote>哈格里夫斯·兰斯当 (Hargreaves Lansdown) 的尼古拉斯·海特 (Nicholas Hyett) 等一些分析师放弃了亚马逊，认识到该公司为客户送货的高额支出从长远来看已经得到了回报。</blockquote></p><p> \"Amazon has never been overly focused on the bottom line,\" Hyett said. \"That willingness to invest in what the group hopes will be long term success at the expense of short term profits is on display again in these results.\"</p><p><blockquote>“亚马逊从来没有过度关注利润，”海特说。“这些业绩再次表明，集团愿意以牺牲短期利润为代价来投资于长期成功。”</blockquote></p><p> <b>LABOR SHORTAGE</b></p><p><blockquote><b>劳动力短缺</b></blockquote></p><p> Guru Hariharan, a former Amazon manager who is now CEO of CommerceIQ, said out-of-stocks were at an all time high for the company.</p><p><blockquote>亚马逊前经理、现任 CommerceIQ 首席执行官古鲁·哈里哈兰 (Guru Hariharan) 表示，该公司的缺货情况处于历史最高水平。</blockquote></p><p> \"The online marketplace will need to continue to address fill rates to meet demand before the holiday shopping season,\" he said.</p><p><blockquote>“在线市场将需要继续解决填充率问题，以满足假日购物季之前的需求，”他说。</blockquote></p><p> Amazon CFO Brian Olsavsky said on a call with reporters that the labor shortage had been a challenge, leading to inconsistent staffing levels. Workers, not physical space, became its primary capacity constraint in the third quarter, he said.</p><p><blockquote>亚马逊首席财务官 Brian Olsavsky 在与记者举行的看涨期权上表示，劳动力短缺一直是一个挑战，导致人员配备水平不一致。他说，工人，而不是物理空间，成为第三季度的主要产能限制。</blockquote></p><p> And that has had a ripple effect.</p><p><blockquote>这产生了连锁反应。</blockquote></p><p> \"Inventory placement is frequently redirected to fulfillment centers that have labor to receive this product, which results in less optimal placement, which leads to longer and more expensive transportation routes,\" he said.</p><p><blockquote>“库存放置经常被重定向到有劳动力接收该产品的履行中心，这导致放置不太理想，从而导致运输路线更长、更昂贵，”他说。</blockquote></p><p> Amazon faced an extra $2 billion in costs from labor, inflation and operational disruptions, an amount that is supposed to rise to $4 billion in the current period, Olsavsky said.</p><p><blockquote>奥尔萨夫斯基表示，亚马逊面临着来自劳动力、通货膨胀和运营中断的额外 20 亿美元成本，预计本期这一数额将增至 40 亿美元。</blockquote></p><p> Staff are pushing for more, too. Around 2,000 workers in New York City petitioned this week for a vote on whether to make their warehouse the company's first unionized facility in the United States.</p><p><blockquote>员工们也在争取更多。纽约市约 2,000 名工人本周请愿，要求投票决定是否将他们的仓库作为该公司在美国的第一个工会工厂。</blockquote></p><p></p><p> To juice sales, the company began encouraging customers to shop holiday deals as early as Oct. 4 this year. Still, consumers have begun returning to pre-pandemic shopping levels, spending more on travel and services, Olsavsky said.</p><p><blockquote>为了促进果汁销售，该公司早在今年 10 月 4 日就开始鼓励顾客购买假日优惠。奥尔萨夫斯基说，尽管如此，消费者已经开始恢复到大流行前的购物水平，在旅行和服务上花费更多。</blockquote></p><p> The company forecast fourth-quarter sales to be between $130 billion and $140 billion. Analysts were expecting $142.05 billion, according to IBES data from Refinitiv. It missed expectations for third-quarter sales as well, witnessing its slowest growth since the COVID-19 outbreak.</p><p><blockquote>该公司预计第四季度销售额将在 1300 亿至 1400 亿美元之间。根据 Refinitiv 的 IBES 数据，分析师预计为 1,420.5 亿美元。该公司第三季度销售额也未达到预期，出现了自 COVID-19 爆发以来最慢的增长。</blockquote></p><p> Amazon's cloud computing division was a bright spot. Olsavsky said revenue growth re-accelerated for that business, and the company beat analysts' expectations with net sales of $16.1 billion in the quarter. Amazon Web Services has seen sales rise with demand for gaming and remote work during the pandemic.</p><p><blockquote>亚马逊的云计算部门是一个亮点。奥尔萨夫斯基表示，该业务的收入增长再次加速，该公司本季度净销售额达到 161 亿美元，超出了分析师的预期。疫情期间，随着游戏和远程工作的需求，亚马逊网络服务的销售额有所增长。</blockquote></p><p> Total net sales rose to $110.81 billion in the third quarter ended Sept. 30, from $96.15 billion, a year earlier.</p><p><blockquote>截至 9 月 30 日的第三季度，净销售总额从去年同期的 961.5 亿美元增至 1108.1 亿美元。</blockquote></p><p> Analysts had predicted $111.60 billion, according to IBES data from Refinitiv.</p><p><blockquote>根据 Refinitiv 的 IBES 数据，分析师此前预测为 1116.0 亿美元。</blockquote></p><p></p>","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>Amazon badly misses on earnings and revenue, gives disappointing guidance<blockquote>亚马逊的盈利和收入严重低迷，给出的指引令人失望</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\">\nAmazon badly misses on earnings and revenue, gives disappointing guidance<blockquote>亚马逊的盈利和收入严重低迷，给出的指引令人失望</blockquote>\n</h2>\n<h4 class=\"meta\">\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1079075236\">\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Tiger Newspress </p>\n<p class=\"h-time smaller\">2021-10-29 06:48</p>\n</div>\n</a>\n</h4>\n</header>\n<article>\n<p>Amazon&nbsp;shares dropped more than 4% in extended trading on Thursday after the company&nbsp;reported&nbsp;weaker-than-expected results for the third quarter and delivered disappointing guidance for the critical holiday period.</p><p><blockquote>亚马逊股价在周四盘后交易中下跌超过 4%，此前该公司公布的第三季度业绩弱于预期，并为关键假期期间提供了令人失望的指引。</blockquote></p><p> <ul>  <li><b>Earnings:</b>$6.12 vs $8.92 per share expected, according to analysts surveyed by Refinitiv</li>  <li><b>Revenue:</b>$110.81 billion vs $111.6 billion expected, according to analysts surveyed by Refinitiv</li> </ul> <img src=\"https://static.tigerbbs.com/33b2c00e116cbf6cb68edeaf56f48177\" tg-width=\"847\" tg-height=\"621\" referrerpolicy=\"no-referrer\"></p><p><blockquote><ul><li><b>收益：</b>路孚特调查的分析师表示，预计每股股价为 6.12 美元，而预计为 8.92 美元</li><li><b>收入：</b>路孚特调查的分析师表示，1108.1 亿美元，而预期为 1116 亿美元</li></ul></blockquote></p><p> Amazon&nbsp;is reckoning with decelerating sales growth as consumers go back to physical stores and the company faces supply chain challenges. Revenue in the third quarter rose 15%, down from 37% growth in the same period a year ago.</p><p><blockquote>随着消费者重返实体店以及该公司面临供应链挑战，亚马逊正在考虑销售增长放缓。第三季度收入增长15%，低于去年同期37%的增长率。</blockquote></p><p> For the fourth quarter, Amazon forecast sales between $130 billion and $140 billion, representing growth between 4% and 12%. Analysts surveyed by FactSet were expecting revenue to rise 13.2% year-over-year to $142.1 billion.</p><p><blockquote>亚马逊预计第四季度销售额将在 1300 亿美元至 1400 亿美元之间，增长率在 4% 至 12% 之间。FactSet 调查的分析师预计收入将同比增长 13.2%，达到 1,421 亿美元。</blockquote></p><p> Amazon.com Inc&nbsp;on Thursday reported a slump in profit that it expects will continue through the holiday quarter, as higher wages and spending to attract workers diminish the company's windfall from online shopping.</p><p><blockquote>亚马逊周四报告称，由于工资上涨和吸引工人的支出减少了该公司网上购物带来的意外之财，预计利润下滑将持续到假日季度。</blockquote></p><p> After a year of blockbuster results, the world's largest online retailer is facing a tougher outlook. In a tight labor market, it has boosted average U.S. warehouse pay to $18 per hour and marketed ever bigger signing bonuses to attract blue-collar staff it needs to keep its high-turnover operation humming.</p><p><blockquote>在经历了一年的重磅业绩后，这家全球最大的在线零售商面临着更加严峻的前景。在劳动力市场紧张的情况下，该公司将美国仓库平均工资提高到每小时 18 美元，并推出了更高的签约奖金，以吸引维持高流动率运营所需的蓝领员工。</blockquote></p><p> The company meanwhile is contending with global supply chain disruptions. It has doubled its container processing ability, expanded its delivery service partner program and has ramped up its warehouse investments - all at a noteworthy cost.</p><p><blockquote>与此同时，该公司正在应对全球供应链中断。它将集装箱处理能力提高了一倍，扩大了交付服务合作伙伴计划，并增加了仓库投资——所有这些都付出了值得注意的代价。</blockquote></p><p> The company said it expects operating profit for the current quarter to be between $0 and $3.0 billion, short of $6.9 billion Amazon posted the year prior. In the just-ended third quarter, net income fell by about 50% to $3.16 billion, a first since the start of the coronavirus pandemic in the United States.</p><p><blockquote>该公司表示，预计本季度营业利润将在 0 至 30 亿美元之间，低于亚马逊上年公布的 69 亿美元。在刚刚结束的第三季度，净利润下降了约50%，至31.6亿美元，这是自美国冠状病毒大流行开始以来的首次。</blockquote></p><p> Andy Jassy, who took the helm of Amazon as CEO in July, said in a statement the company would incur several billion dollars of extra expenses in its consumer business to deal with higher shipping costs, increased wages and labor shortages.</p><p><blockquote>7 月份接任亚马逊首席执行官的安迪·贾西 (Andy Jassy) 在一份声明中表示，该公司将在消费者业务中产生数十亿美元的额外费用，以应对更高的运输成本、工资上涨和劳动力短缺。</blockquote></p><p> Amazon is \"doing whatever it takes to minimize the impact on customers and selling partners this holiday season,\" he said. \"It'll be expensive for us in the short term, but it's the right prioritization for our customers and partners.\"</p><p><blockquote>他说，亚马逊“正在尽一切努力尽量减少这个假期对客户和销售合作伙伴的影响”。“短期内这对我们来说会很昂贵，但对于我们的客户和合作伙伴来说，这是正确的优先事项。”</blockquote></p><p> The retailer has strived to prevent a repeat of the 2013 season when delays left some without presents on Christmas Day.</p><p><blockquote>该零售商一直在努力防止2013年的重演，当时延误导致一些人在圣诞节没有礼物。</blockquote></p><p> Retailers are facing supply constraints on everything from toys and Nike sneakers to laptops, making it difficult for them to stock their shelves.</p><p><blockquote>从玩具、耐克运动鞋到笔记本电脑，零售商都面临着供应限制，这使得他们很难在货架上进货。</blockquote></p><p> Supply chain woes are also costing Apple Inc&nbsp;- $6 billion in sales during the company's fiscal fourth quarter according to results released on Thursday. Apple Chief Executive Tim Cook said that the impact will be even worse during the holiday sales quarter.</p><p><blockquote>供应链困境也给苹果公司造成了损失——根据周四发布的业绩，该公司第四财季的销售额为 60 亿美元。苹果首席执行官蒂姆·库克表示，假日销售季度的影响将更加严重。</blockquote></p><p> Some analysts like Nicholas Hyett of Hargreaves Lansdown gave Amazon a pass, recognizing the company's track record of high spending to deliver for customers has paid off in the long run.</p><p><blockquote>哈格里夫斯·兰斯当 (Hargreaves Lansdown) 的尼古拉斯·海特 (Nicholas Hyett) 等一些分析师放弃了亚马逊，认识到该公司为客户送货的高额支出从长远来看已经得到了回报。</blockquote></p><p> \"Amazon has never been overly focused on the bottom line,\" Hyett said. \"That willingness to invest in what the group hopes will be long term success at the expense of short term profits is on display again in these results.\"</p><p><blockquote>“亚马逊从来没有过度关注利润，”海特说。“这些业绩再次表明，集团愿意以牺牲短期利润为代价来投资于长期成功。”</blockquote></p><p> <b>LABOR SHORTAGE</b></p><p><blockquote><b>劳动力短缺</b></blockquote></p><p> Guru Hariharan, a former Amazon manager who is now CEO of CommerceIQ, said out-of-stocks were at an all time high for the company.</p><p><blockquote>亚马逊前经理、现任 CommerceIQ 首席执行官古鲁·哈里哈兰 (Guru Hariharan) 表示，该公司的缺货情况处于历史最高水平。</blockquote></p><p> \"The online marketplace will need to continue to address fill rates to meet demand before the holiday shopping season,\" he said.</p><p><blockquote>“在线市场将需要继续解决填充率问题，以满足假日购物季之前的需求，”他说。</blockquote></p><p> Amazon CFO Brian Olsavsky said on a call with reporters that the labor shortage had been a challenge, leading to inconsistent staffing levels. Workers, not physical space, became its primary capacity constraint in the third quarter, he said.</p><p><blockquote>亚马逊首席财务官 Brian Olsavsky 在与记者举行的看涨期权上表示，劳动力短缺一直是一个挑战，导致人员配备水平不一致。他说，工人，而不是物理空间，成为第三季度的主要产能限制。</blockquote></p><p> And that has had a ripple effect.</p><p><blockquote>这产生了连锁反应。</blockquote></p><p> \"Inventory placement is frequently redirected to fulfillment centers that have labor to receive this product, which results in less optimal placement, which leads to longer and more expensive transportation routes,\" he said.</p><p><blockquote>“库存放置经常被重定向到有劳动力接收该产品的履行中心，这导致放置不太理想，从而导致运输路线更长、更昂贵，”他说。</blockquote></p><p> Amazon faced an extra $2 billion in costs from labor, inflation and operational disruptions, an amount that is supposed to rise to $4 billion in the current period, Olsavsky said.</p><p><blockquote>奥尔萨夫斯基表示，亚马逊面临着来自劳动力、通货膨胀和运营中断的额外 20 亿美元成本，预计本期这一数额将增至 40 亿美元。</blockquote></p><p> Staff are pushing for more, too. Around 2,000 workers in New York City petitioned this week for a vote on whether to make their warehouse the company's first unionized facility in the United States.</p><p><blockquote>员工们也在争取更多。纽约市约 2,000 名工人本周请愿，要求投票决定是否将他们的仓库作为该公司在美国的第一个工会工厂。</blockquote></p><p></p><p> To juice sales, the company began encouraging customers to shop holiday deals as early as Oct. 4 this year. Still, consumers have begun returning to pre-pandemic shopping levels, spending more on travel and services, Olsavsky said.</p><p><blockquote>为了促进果汁销售，该公司早在今年 10 月 4 日就开始鼓励顾客购买假日优惠。奥尔萨夫斯基说，尽管如此，消费者已经开始恢复到大流行前的购物水平，在旅行和服务上花费更多。</blockquote></p><p> The company forecast fourth-quarter sales to be between $130 billion and $140 billion. Analysts were expecting $142.05 billion, according to IBES data from Refinitiv. It missed expectations for third-quarter sales as well, witnessing its slowest growth since the COVID-19 outbreak.</p><p><blockquote>该公司预计第四季度销售额将在 1300 亿至 1400 亿美元之间。根据 Refinitiv 的 IBES 数据，分析师预计为 1,420.5 亿美元。该公司第三季度销售额也未达到预期，出现了自 COVID-19 爆发以来最慢的增长。</blockquote></p><p> Amazon's cloud computing division was a bright spot. Olsavsky said revenue growth re-accelerated for that business, and the company beat analysts' expectations with net sales of $16.1 billion in the quarter. Amazon Web Services has seen sales rise with demand for gaming and remote work during the pandemic.</p><p><blockquote>亚马逊的云计算部门是一个亮点。奥尔萨夫斯基表示，该业务的收入增长再次加速，该公司本季度净销售额达到 161 亿美元，超出了分析师的预期。疫情期间，随着游戏和远程工作的需求，亚马逊网络服务的销售额有所增长。</blockquote></p><p> Total net sales rose to $110.81 billion in the third quarter ended Sept. 30, from $96.15 billion, a year earlier.</p><p><blockquote>截至 9 月 30 日的第三季度，净销售总额从去年同期的 961.5 亿美元增至 1108.1 亿美元。</blockquote></p><p> Analysts had predicted $111.60 billion, according to IBES data from Refinitiv.</p><p><blockquote>根据 Refinitiv 的 IBES 数据，分析师此前预测为 1116.0 亿美元。</blockquote></p><p></p>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"AMZN":"亚马逊"},"is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1197599551","content_text":"Amazon shares dropped more than 4% in extended trading on Thursday after the company reported weaker-than-expected results for the third quarter and delivered disappointing guidance for the critical holiday period.\n\nEarnings:$6.12 vs $8.92 per share expected, according to analysts surveyed by Refinitiv\nRevenue:$110.81 billion vs $111.6 billion expected, according to analysts surveyed by Refinitiv\n\n\nAmazon is reckoning with decelerating sales growth as consumers go back to physical stores and the company faces supply chain challenges. Revenue in the third quarter rose 15%, down from 37% growth in the same period a year ago.\nFor the fourth quarter, Amazon forecast sales between $130 billion and $140 billion, representing growth between 4% and 12%. Analysts surveyed by FactSet were expecting revenue to rise 13.2% year-over-year to $142.1 billion.\nAmazon.com Inc on Thursday reported a slump in profit that it expects will continue through the holiday quarter, as higher wages and spending to attract workers diminish the company's windfall from online shopping.\nAfter a year of blockbuster results, the world's largest online retailer is facing a tougher outlook. In a tight labor market, it has boosted average U.S. warehouse pay to $18 per hour and marketed ever bigger signing bonuses to attract blue-collar staff it needs to keep its high-turnover operation humming.\nThe company meanwhile is contending with global supply chain disruptions. It has doubled its container processing ability, expanded its delivery service partner program and has ramped up its warehouse investments - all at a noteworthy cost.\nThe company said it expects operating profit for the current quarter to be between $0 and $3.0 billion, short of $6.9 billion Amazon posted the year prior. In the just-ended third quarter, net income fell by about 50% to $3.16 billion, a first since the start of the coronavirus pandemic in the United States.\nAndy Jassy, who took the helm of Amazon as CEO in July, said in a statement the company would incur several billion dollars of extra expenses in its consumer business to deal with higher shipping costs, increased wages and labor shortages.\nAmazon is \"doing whatever it takes to minimize the impact on customers and selling partners this holiday season,\" he said. \"It'll be expensive for us in the short term, but it's the right prioritization for our customers and partners.\"\nThe retailer has strived to prevent a repeat of the 2013 season when delays left some without presents on Christmas Day.\nRetailers are facing supply constraints on everything from toys and Nike sneakers to laptops, making it difficult for them to stock their shelves.\nSupply chain woes are also costing Apple Inc - $6 billion in sales during the company's fiscal fourth quarter according to results released on Thursday. Apple Chief Executive Tim Cook said that the impact will be even worse during the holiday sales quarter.\nSome analysts like Nicholas Hyett of Hargreaves Lansdown gave Amazon a pass, recognizing the company's track record of high spending to deliver for customers has paid off in the long run.\n\"Amazon has never been overly focused on the bottom line,\" Hyett said. \"That willingness to invest in what the group hopes will be long term success at the expense of short term profits is on display again in these results.\"\nLABOR SHORTAGE\nGuru Hariharan, a former Amazon manager who is now CEO of CommerceIQ, said out-of-stocks were at an all time high for the company.\n\"The online marketplace will need to continue to address fill rates to meet demand before the holiday shopping season,\" he said.\nAmazon CFO Brian Olsavsky said on a call with reporters that the labor shortage had been a challenge, leading to inconsistent staffing levels. Workers, not physical space, became its primary capacity constraint in the third quarter, he said.\nAnd that has had a ripple effect.\n\"Inventory placement is frequently redirected to fulfillment centers that have labor to receive this product, which results in less optimal placement, which leads to longer and more expensive transportation routes,\" he said.\nAmazon faced an extra $2 billion in costs from labor, inflation and operational disruptions, an amount that is supposed to rise to $4 billion in the current period, Olsavsky said.\nStaff are pushing for more, too. Around 2,000 workers in New York City petitioned this week for a vote on whether to make their warehouse the company's first unionized facility in the United States.\nTo juice sales, the company began encouraging customers to shop holiday deals as early as Oct. 4 this year. Still, consumers have begun returning to pre-pandemic shopping levels, spending more on travel and services, Olsavsky said.\nThe company forecast fourth-quarter sales to be between $130 billion and $140 billion. Analysts were expecting $142.05 billion, according to IBES data from Refinitiv. It missed expectations for third-quarter sales as well, witnessing its slowest growth since the COVID-19 outbreak.\nAmazon's cloud computing division was a bright spot. Olsavsky said revenue growth re-accelerated for that business, and the company beat analysts' expectations with net sales of $16.1 billion in the quarter. Amazon Web Services has seen sales rise with demand for gaming and remote work during the pandemic.\nTotal net sales rose to $110.81 billion in the third quarter ended Sept. 30, from $96.15 billion, a year earlier.\nAnalysts had predicted $111.60 billion, according to IBES data from Refinitiv.","news_type":1,"symbols_score_info":{"AMZN":0.9}},"isVote":1,"tweetType":1,"viewCount":2204,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":825388101,"gmtCreate":1634201437385,"gmtModify":1634203604548,"author":{"id":"4097101779036240","authorId":"4097101779036240","name":"YUS","avatar":"https://static.tigerbbs.com/1a683e70b7c1e9f90619bec5ea63a241","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"idStr":"4097101779036240","authorIdStr":"4097101779036240"},"themes":[],"title":"","htmlText":"Cool","listText":"Cool","text":"Cool","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/825388101","repostId":"1133836932","repostType":4,"repost":{"id":"1133836932","kind":"news","pubTimestamp":1634220960,"share":"https://www.laohunote.com/m/news/1133836932?lang=zh_CN&edition=full","pubTime":"2021-10-14 22:16","market":"us","language":"en","title":"Want to Beat Wall Street? Buy and Hold This Growth Stock<blockquote>想打败华尔街吗？购买并持有这只成长型股票</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1133836932","media":"Motley Fool","summary":"It's pricey today, but it has what it takes for a long run of strong growth.","content":"<p>Upstart Holdings stock surged more than 5% to a new high.</p><p><blockquote>Upstart Holdings 股价飙升超过 5%，创下新高。</blockquote></p><p> <img src=\"https://static.tigerbbs.com/83317a0d309df538aa34e865d720af9f\" tg-width=\"840\" tg-height=\"470\" width=\"100%\" height=\"auto\"></p><p><blockquote></blockquote></p><p> <b>Key Points</b></p><p><blockquote><b>要点</b></blockquote></p><p> <ul>  <li>Upstart Holdings is still expecting high growth in its core products.</li>  <li>The company's auto lending product is adding new growth markets.</li>  <li>There are risks attached, but the growth prospects are strong.</li> </ul> It can be hard for casual investors to earn market-beating returns. Because the broad market has returned&nbsp;almost 10% a year&nbsp;over time, it often takes a well-diversified portfolio and lots of patience.</p><p><blockquote><ul><li>Upstart Holdings 仍预计其核心产品将实现高增长。</li><li>该公司的汽车贷款产品正在增加新的增长市场。</li><li>存在风险，但增长前景强劲。</li></ul>普通投资者可能很难获得跑赢市场的回报。由于随着时间的推移，大盘每年的回报率接近 10%，因此通常需要多元化的投资组合和极大的耐心。</blockquote></p><p> But one good way to tip the odds in your favor is to look for growing companies that have a strong moat, lots of cash, and effective management. Even if only one of your growth picks ends up becoming a massive winner, it can more than make up for a big decliner -- after all you can only lose the money you invest, but finding a great company early in its lifespan can earn you many times that amount. My choice for a young winner that can help you beat Wall Street is&nbsp;<b>Upstart Holdings</b>(NASDAQ:UPST).</p><p><blockquote>但让胜算对你有利的一个好方法是寻找那些拥有强大护城河、大量现金和有效管理的成长型公司。即使你选择的成长型公司中只有一个最终成为大赢家，它也足以弥补一个大输家——毕竟你只会损失你投资的钱，但在其生命周期的早期找到一家伟大的公司可以为你赚取许多倍的钱。我选择一个能帮助你击败华尔街的年轻赢家是<b>新贵控股</b>（纳斯达克股票代码：UPST）</blockquote></p><p> <p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/03bd746f95ce69373e63e07362d9a3e9\" tg-width=\"2000\" tg-height=\"1333\" referrerpolicy=\"no-referrer\"><span>IMAGE SOURCE: GETTY IMAGES.</span></p><p><blockquote><p class=\"t-img-caption\"><span>图片来源：盖蒂图片社。</span></p></blockquote></p><p> <b>Becoming a key player in the banking industry</b></p><p><blockquote><b>成为银行业的主要参与者</b></blockquote></p><p> Upstart provides an artificial intelligence lending platform for banks that identifies risk more accurately than traditional methods. Instead of sorting borrowers into broad, generalized categories that miss individual risk factors, it uses 1,600 data points to assess a borrower's true credit risk. Using its services, banks are able to approve more loans, bringing in more funds with less risk.</p><p><blockquote>Upstart为银行提供了一个人工智能贷款平台，比传统方法更准确地识别风险。它没有将借款人分为遗漏个人风险因素的广泛、概括的类别，而是使用 1,600 个数据点来评估借款人的真实信用风险。使用其服务，银行能够批准更多贷款，以更小的风险带来更多资金。</blockquote></p><p> That's an attractive model, and the company has demonstrated enormous growth since it went public a year ago. Second-quarter revenue increased more than 1,000%, and loans originated increased more than 1,600%. But with revenue of just $194 million in the second quarter, there's still plenty of room to grow. Management expects revenue to increase between 215% and 230% in the third quarter.</p><p><blockquote>这是一个有吸引力的模式，该公司自一年前上市以来表现出了巨大的增长。第二季度收入增长超过1000%，发放贷款增长超过1600%。但第二季度营收仅为 1.94 亿美元，仍有很大的增长空间。管理层预计第三季度收入将增长 215% 至 230%。</blockquote></p><p> And the company says that total U.S. consumer credit was $4.2 trillion for the 12-month period that ended in June, according to data from TransUnion. Responsible for just 0.01% of that, Upstart has a&nbsp;huge addressable market.</p><p><blockquote>该公司表示，根据 TransUnion 的数据，截至 6 月份的 12 个月期间，美国消费信贷总额为 4.2 万亿美元。Upstart 仅占其中的 0.01%，拥有巨大的潜在市场。</blockquote></p><p> Right now Upstart works predominantly with smaller banks, since the large ones can create their own solutions. And a large portion of its loans are concentrated in two banks -- which on the one hand means it can skyrocket as new banks sign on, but on the other hand means there's some risk attached to relying on two partners. But Upstart is improving in this area: Cross River Bank accounted for 79% of loans in Q2 2020, but only 60% in Q2 2021 as Upstart expanded.</p><p><blockquote>目前，Upstart 主要与小型银行合作，因为大型银行可以创建自己的解决方案。其大部分贷款集中在两家银行——一方面，这意味着随着新银行的加入，贷款规模可能会飙升，但另一方面，这意味着依赖两个合作伙伴存在一定的风险。但 Upstart 在这方面正在改善：Cross River Bank 在 2020 年第二季度占贷款的 79%，但随着 Upstart 的扩张，在 2021 年第二季度仅占 60%。</blockquote></p><p> In the meantime, the company is already profitable, having turned a profit of $36 million after an $11 million loss in the second quarter of 2020.&nbsp;Another factor to consider is that Upstart caters to the banking industry, but it's not a bank itself, so it has less exposure to the&nbsp;risk that the banks take on. Some 97% of revenue comes from fees without any credit risk.</p><p><blockquote>与此同时，该公司已经实现盈利，在2020年第二季度亏损1100万美元后，实现了3600万美元的利润。另一个需要考虑的因素是，Upstart迎合了银行业，但它本身不是银行，因此它面临的风险较小。大约97%的收入来自没有任何信用风险的费用。</blockquote></p><p> Upstart's newest product is Upstart Auto Retail, which it developed after acquiring Prodigy Software in April. The automotive industry is a $1 trillion market, with less than 1% of buyers satisfied with the process. Upstart is taking aim at this market, offering a better way to provide financing that approves more loans with less risk and makes for a better experience for dealers and buyers. It's already making progress: More than $1 billion worth of cars were purchased in the 2021 second quarter using the Upstart Auto Retail platform, which makes for a more transparent process for customers and higher profits for dealers.</p><p><blockquote>Upstart 的最新产品是 Upstart Auto Retail，这是它在 4 月份收购 Prodigy Software 后开发的。汽车行业是一个1万亿美元的市场，只有不到1%的买家对这一过程感到满意。Upstart瞄准了这个市场，提供了一种更好的融资方式，以更低的风险批准更多的贷款，并为经销商和买家提供更好的体验。它已经取得了进展：2021 年第二季度使用 Upstart 汽车零售平台购买了价值超过 10 亿美元的汽车，这为客户提供了更加透明的流程，并为经销商带来了更高的利润。</blockquote></p><p> This is another area where the company could post high growth for a long time. In Q2, Upstart expanded auto from 33 to 47 states, covering more than 95% of the U.S. population, which opens up a huge market to gain market share, and five bank partners signed onto the auto platform.</p><p><blockquote>这是该公司可以长期实现高增长的另一个领域。Q2，Upstart将auto从33个州扩展到47个州，覆盖了95%以上的美国人口，打开了巨大的市场以获得市场份额，5家银行合作伙伴签约了auto平台。</blockquote></p><p> <b>It's already beating Wall Street</b></p><p><blockquote><b>它已经击败了华尔街</b></blockquote></p><p> Upstart has already crushed the market in its limited time in the markets. At recent prices, shares have gained more than 1,000% since the stock's first-day closing price, while over the same time period the S&amp;P 500 has gained just 17%.</p><p><blockquote>Upstart 已经在有限的上市时间内碾压了市场。按最近的价格计算，自该股首日收盘价以来，股价已上涨超过 1,000%，而同期标普500仅上涨了 17%。</blockquote></p><p></p><p> But all that investor excitement has pushed the stock price up to a massive valuation of nearly 400 times trailing-12-month earnings. The company's phenomenal growth justifies an elevated valuation, but this definitely tops a reasonable premium. I still think Upstart is a great stock to hold, and it can continue to beat the market long-term. However, at this point investors should be prepared for some volatility as the company grows into its stock price.</p><p><blockquote>但所有投资者的兴奋情绪已将股价推高至过去 12 个月市盈率的近 400 倍的巨大估值。该公司的惊人增长证明了较高的估值是合理的，但这绝对高于合理的溢价。我仍然认为 Upstart 是一只值得持有的好股票，它可以长期继续跑赢大盘。然而，在这一点上，随着公司股价的增长，投资者应该为一些波动做好准备。</blockquote></p><p></p>","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 to Beat Wall Street? Buy and Hold This Growth Stock<blockquote>想打败华尔街吗？购买并持有这只成长型股票</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 to Beat Wall Street? Buy and Hold This Growth Stock<blockquote>想打败华尔街吗？购买并持有这只成长型股票</blockquote>\n</h2>\n<h4 class=\"meta\">\n<p class=\"head\">\n<strong class=\"h-name small\">Motley Fool</strong><span class=\"h-time small\">2021-10-14 22:16</span>\n</p>\n</h4>\n</header>\n<article>\n<p>Upstart Holdings stock surged more than 5% to a new high.</p><p><blockquote>Upstart Holdings 股价飙升超过 5%，创下新高。</blockquote></p><p> <img src=\"https://static.tigerbbs.com/83317a0d309df538aa34e865d720af9f\" tg-width=\"840\" tg-height=\"470\" width=\"100%\" height=\"auto\"></p><p><blockquote></blockquote></p><p> <b>Key Points</b></p><p><blockquote><b>要点</b></blockquote></p><p> <ul>  <li>Upstart Holdings is still expecting high growth in its core products.</li>  <li>The company's auto lending product is adding new growth markets.</li>  <li>There are risks attached, but the growth prospects are strong.</li> </ul> It can be hard for casual investors to earn market-beating returns. Because the broad market has returned&nbsp;almost 10% a year&nbsp;over time, it often takes a well-diversified portfolio and lots of patience.</p><p><blockquote><ul><li>Upstart Holdings 仍预计其核心产品将实现高增长。</li><li>该公司的汽车贷款产品正在增加新的增长市场。</li><li>存在风险，但增长前景强劲。</li></ul>普通投资者可能很难获得跑赢市场的回报。由于随着时间的推移，大盘每年的回报率接近 10%，因此通常需要多元化的投资组合和极大的耐心。</blockquote></p><p> But one good way to tip the odds in your favor is to look for growing companies that have a strong moat, lots of cash, and effective management. Even if only one of your growth picks ends up becoming a massive winner, it can more than make up for a big decliner -- after all you can only lose the money you invest, but finding a great company early in its lifespan can earn you many times that amount. My choice for a young winner that can help you beat Wall Street is&nbsp;<b>Upstart Holdings</b>(NASDAQ:UPST).</p><p><blockquote>但让胜算对你有利的一个好方法是寻找那些拥有强大护城河、大量现金和有效管理的成长型公司。即使你选择的成长型公司中只有一个最终成为大赢家，它也足以弥补一个大输家——毕竟你只会损失你投资的钱，但在其生命周期的早期找到一家伟大的公司可以为你赚取许多倍的钱。我选择一个能帮助你击败华尔街的年轻赢家是<b>新贵控股</b>（纳斯达克股票代码：UPST）</blockquote></p><p> <p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/03bd746f95ce69373e63e07362d9a3e9\" tg-width=\"2000\" tg-height=\"1333\" referrerpolicy=\"no-referrer\"><span>IMAGE SOURCE: GETTY IMAGES.</span></p><p><blockquote><p class=\"t-img-caption\"><span>图片来源：盖蒂图片社。</span></p></blockquote></p><p> <b>Becoming a key player in the banking industry</b></p><p><blockquote><b>成为银行业的主要参与者</b></blockquote></p><p> Upstart provides an artificial intelligence lending platform for banks that identifies risk more accurately than traditional methods. Instead of sorting borrowers into broad, generalized categories that miss individual risk factors, it uses 1,600 data points to assess a borrower's true credit risk. Using its services, banks are able to approve more loans, bringing in more funds with less risk.</p><p><blockquote>Upstart为银行提供了一个人工智能贷款平台，比传统方法更准确地识别风险。它没有将借款人分为遗漏个人风险因素的广泛、概括的类别，而是使用 1,600 个数据点来评估借款人的真实信用风险。使用其服务，银行能够批准更多贷款，以更小的风险带来更多资金。</blockquote></p><p> That's an attractive model, and the company has demonstrated enormous growth since it went public a year ago. Second-quarter revenue increased more than 1,000%, and loans originated increased more than 1,600%. But with revenue of just $194 million in the second quarter, there's still plenty of room to grow. Management expects revenue to increase between 215% and 230% in the third quarter.</p><p><blockquote>这是一个有吸引力的模式，该公司自一年前上市以来表现出了巨大的增长。第二季度收入增长超过1000%，发放贷款增长超过1600%。但第二季度营收仅为 1.94 亿美元，仍有很大的增长空间。管理层预计第三季度收入将增长 215% 至 230%。</blockquote></p><p> And the company says that total U.S. consumer credit was $4.2 trillion for the 12-month period that ended in June, according to data from TransUnion. Responsible for just 0.01% of that, Upstart has a&nbsp;huge addressable market.</p><p><blockquote>该公司表示，根据 TransUnion 的数据，截至 6 月份的 12 个月期间，美国消费信贷总额为 4.2 万亿美元。Upstart 仅占其中的 0.01%，拥有巨大的潜在市场。</blockquote></p><p> Right now Upstart works predominantly with smaller banks, since the large ones can create their own solutions. And a large portion of its loans are concentrated in two banks -- which on the one hand means it can skyrocket as new banks sign on, but on the other hand means there's some risk attached to relying on two partners. But Upstart is improving in this area: Cross River Bank accounted for 79% of loans in Q2 2020, but only 60% in Q2 2021 as Upstart expanded.</p><p><blockquote>目前，Upstart 主要与小型银行合作，因为大型银行可以创建自己的解决方案。其大部分贷款集中在两家银行——一方面，这意味着随着新银行的加入，贷款规模可能会飙升，但另一方面，这意味着依赖两个合作伙伴存在一定的风险。但 Upstart 在这方面正在改善：Cross River Bank 在 2020 年第二季度占贷款的 79%，但随着 Upstart 的扩张，在 2021 年第二季度仅占 60%。</blockquote></p><p> In the meantime, the company is already profitable, having turned a profit of $36 million after an $11 million loss in the second quarter of 2020.&nbsp;Another factor to consider is that Upstart caters to the banking industry, but it's not a bank itself, so it has less exposure to the&nbsp;risk that the banks take on. Some 97% of revenue comes from fees without any credit risk.</p><p><blockquote>与此同时，该公司已经实现盈利，在2020年第二季度亏损1100万美元后，实现了3600万美元的利润。另一个需要考虑的因素是，Upstart迎合了银行业，但它本身不是银行，因此它面临的风险较小。大约97%的收入来自没有任何信用风险的费用。</blockquote></p><p> Upstart's newest product is Upstart Auto Retail, which it developed after acquiring Prodigy Software in April. The automotive industry is a $1 trillion market, with less than 1% of buyers satisfied with the process. Upstart is taking aim at this market, offering a better way to provide financing that approves more loans with less risk and makes for a better experience for dealers and buyers. It's already making progress: More than $1 billion worth of cars were purchased in the 2021 second quarter using the Upstart Auto Retail platform, which makes for a more transparent process for customers and higher profits for dealers.</p><p><blockquote>Upstart 的最新产品是 Upstart Auto Retail，这是它在 4 月份收购 Prodigy Software 后开发的。汽车行业是一个1万亿美元的市场，只有不到1%的买家对这一过程感到满意。Upstart瞄准了这个市场，提供了一种更好的融资方式，以更低的风险批准更多的贷款，并为经销商和买家提供更好的体验。它已经取得了进展：2021 年第二季度使用 Upstart 汽车零售平台购买了价值超过 10 亿美元的汽车，这为客户提供了更加透明的流程，并为经销商带来了更高的利润。</blockquote></p><p> This is another area where the company could post high growth for a long time. In Q2, Upstart expanded auto from 33 to 47 states, covering more than 95% of the U.S. population, which opens up a huge market to gain market share, and five bank partners signed onto the auto platform.</p><p><blockquote>这是该公司可以长期实现高增长的另一个领域。Q2，Upstart将auto从33个州扩展到47个州，覆盖了95%以上的美国人口，打开了巨大的市场以获得市场份额，5家银行合作伙伴签约了auto平台。</blockquote></p><p> <b>It's already beating Wall Street</b></p><p><blockquote><b>它已经击败了华尔街</b></blockquote></p><p> Upstart has already crushed the market in its limited time in the markets. At recent prices, shares have gained more than 1,000% since the stock's first-day closing price, while over the same time period the S&amp;P 500 has gained just 17%.</p><p><blockquote>Upstart 已经在有限的上市时间内碾压了市场。按最近的价格计算，自该股首日收盘价以来，股价已上涨超过 1,000%，而同期标普500仅上涨了 17%。</blockquote></p><p></p><p> But all that investor excitement has pushed the stock price up to a massive valuation of nearly 400 times trailing-12-month earnings. The company's phenomenal growth justifies an elevated valuation, but this definitely tops a reasonable premium. I still think Upstart is a great stock to hold, and it can continue to beat the market long-term. However, at this point investors should be prepared for some volatility as the company grows into its stock price.</p><p><blockquote>但所有投资者的兴奋情绪已将股价推高至过去 12 个月市盈率的近 400 倍的巨大估值。该公司的惊人增长证明了较高的估值是合理的，但这绝对高于合理的溢价。我仍然认为 Upstart 是一只值得持有的好股票，它可以长期继续跑赢大盘。然而，在这一点上，随着公司股价的增长，投资者应该为一些波动做好准备。</blockquote></p><p></p>\n<div class=\"bt-text\">\n\n\n<p> 来源：<a href=\"https://www.fool.com/investing/2021/10/13/want-to-beat-wall-street-buy-and-hold-this-growth/\">Motley Fool</a></p>\n<p>为提升您的阅读体验，我们对本页面进行了排版优化</p>\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"UPST":"Upstart Holdings, Inc."},"source_url":"https://www.fool.com/investing/2021/10/13/want-to-beat-wall-street-buy-and-hold-this-growth/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1133836932","content_text":"Upstart Holdings stock surged more than 5% to a new high.\n\nKey Points\n\nUpstart Holdings is still expecting high growth in its core products.\nThe company's auto lending product is adding new growth markets.\nThere are risks attached, but the growth prospects are strong.\n\nIt can be hard for casual investors to earn market-beating returns. Because the broad market has returned almost 10% a year over time, it often takes a well-diversified portfolio and lots of patience.\nBut one good way to tip the odds in your favor is to look for growing companies that have a strong moat, lots of cash, and effective management. Even if only one of your growth picks ends up becoming a massive winner, it can more than make up for a big decliner -- after all you can only lose the money you invest, but finding a great company early in its lifespan can earn you many times that amount. My choice for a young winner that can help you beat Wall Street is Upstart Holdings(NASDAQ:UPST).\nIMAGE SOURCE: GETTY IMAGES.\nBecoming a key player in the banking industry\nUpstart provides an artificial intelligence lending platform for banks that identifies risk more accurately than traditional methods. Instead of sorting borrowers into broad, generalized categories that miss individual risk factors, it uses 1,600 data points to assess a borrower's true credit risk. Using its services, banks are able to approve more loans, bringing in more funds with less risk.\nThat's an attractive model, and the company has demonstrated enormous growth since it went public a year ago. Second-quarter revenue increased more than 1,000%, and loans originated increased more than 1,600%. But with revenue of just $194 million in the second quarter, there's still plenty of room to grow. Management expects revenue to increase between 215% and 230% in the third quarter.\nAnd the company says that total U.S. consumer credit was $4.2 trillion for the 12-month period that ended in June, according to data from TransUnion. Responsible for just 0.01% of that, Upstart has a huge addressable market.\nRight now Upstart works predominantly with smaller banks, since the large ones can create their own solutions. And a large portion of its loans are concentrated in two banks -- which on the one hand means it can skyrocket as new banks sign on, but on the other hand means there's some risk attached to relying on two partners. But Upstart is improving in this area: Cross River Bank accounted for 79% of loans in Q2 2020, but only 60% in Q2 2021 as Upstart expanded.\nIn the meantime, the company is already profitable, having turned a profit of $36 million after an $11 million loss in the second quarter of 2020. Another factor to consider is that Upstart caters to the banking industry, but it's not a bank itself, so it has less exposure to the risk that the banks take on. Some 97% of revenue comes from fees without any credit risk.\nUpstart's newest product is Upstart Auto Retail, which it developed after acquiring Prodigy Software in April. The automotive industry is a $1 trillion market, with less than 1% of buyers satisfied with the process. Upstart is taking aim at this market, offering a better way to provide financing that approves more loans with less risk and makes for a better experience for dealers and buyers. It's already making progress: More than $1 billion worth of cars were purchased in the 2021 second quarter using the Upstart Auto Retail platform, which makes for a more transparent process for customers and higher profits for dealers.\nThis is another area where the company could post high growth for a long time. In Q2, Upstart expanded auto from 33 to 47 states, covering more than 95% of the U.S. population, which opens up a huge market to gain market share, and five bank partners signed onto the auto platform.\nIt's already beating Wall Street\nUpstart has already crushed the market in its limited time in the markets. At recent prices, shares have gained more than 1,000% since the stock's first-day closing price, while over the same time period the S&P 500 has gained just 17%.\nBut all that investor excitement has pushed the stock price up to a massive valuation of nearly 400 times trailing-12-month earnings. The company's phenomenal growth justifies an elevated valuation, but this definitely tops a reasonable premium. I still think Upstart is a great stock to hold, and it can continue to beat the market long-term. However, at this point investors should be prepared for some volatility as the company grows into its stock price.","news_type":1,"symbols_score_info":{"UPST":0.9}},"isVote":1,"tweetType":1,"viewCount":3586,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0}],"defaultTab":"posts","isTTM":false}