"Heki Fond" Mind tõmbab väljapaistev inimlik rumalus. Sellist sisu jaksan ahmida, eriti kui sellel on potentsiaalne collateral damage taga (Homer Simpson tuumajaama ohutustehnikuna, magistrikraadiga endale ja teistele ohtlikud inimesed finantssektoris toimetamas, etc).
Ma mõtlesin, et kõik sellised naisteka-tüübilised lood on alati väljamõeldised.
Wise'i esimese kvartali müügitulu jäi oodatust veidi tagasihoidlikumaks
FIRST QUARTER RESULTS * Revenue GBP239.5 million, +29% y/y, estimate GBP247.6 million (Bloomberg Consensus) ** Revenue +29% vs. +51% y/y * Volume GBP28.2 billion, +16% y/y, estimate GBP27.92 billion ** Personal Volume GBP20.8 billion, estimate GBP20.18 billion ** Business volume GBP7.4 billion, estimate GBP7.74 billion * Customers 6.70 million, estimate 6.46 million ** Personal Customers 6.30 million, estimate 6.10 million ** Business Customers 360,000, estimate 357,763 * Take rate 0.85% vs. 0.76% y/y, estimate 0.85%
2024 YEAR FORECAST * Still sees total income +28% to +33%
COMMENTARY AND CONTEXT * Served 6.7 million active customers in the quarter, an increase of 33% YoY, leading to 66% YoY growth in income * Sees FY adjusted EBITDA margin remaining elevated vs. medium term guidance of at or above 20%, as a result of higher levels of interest income net of customer benefits
* Zing will be available within days on Appstore and Google Play * HSBC banking CEO Nuno Matos says lender will ‘attack’ market
By Harry Wilson January 2, 2024 at 7:00 AM GMT+2 Updated on January 2, 2024 at 2:55 PM GMT+2
HSBC Holdings Plc is set to debut an international payments app aimed at directly challenging the dominance of fintechs like Revolut and Wise Plc that have gathered tens of millions of retail customers by offering cheap foreign exchange.
Zing will initially be offered in the UK, but Europe’s largest bank is planning to roll out the service in other places in the coming months as it looks to grab a share of the fast-growing market servicing affluent consumers.
THIRD QUARTER RESULTS * Revenue GBP276.6 million, +23% y/y, estimate GBP269.8 million (Bloomberg Consensus) ** Revenue +23% * Volume GBP30.6 billion, +16% y/y, estimate GBP30.47 billion (2 estimates) ** Personal Volume GBP22.3 billion, +17% y/y, estimate GBP22.69 billion ** Business volume GBP8.3 billion, +12% y/y, estimate GBP7.97 billion * Customers 7.51 million, estimate 7.71 million ** Personal Customers 7.12 million, estimate 7.27 million ** Business Customers 392,000, estimate 407,639 * Take rate 0.9%, estimate 0.89%
YEAR FORECAST * Sees total income about +42% to +44%, saw +33% to +38%
* Still expects adj. EBITDA margin in FY24 to remain elevated relative to our medium-term guidance of at or above 20% given the high net yield on customer balances * Says guidance upgrade reflects the continued strong growth in active multi-feature customers, and higher levels of interest income
Wise tundub odav. Numbrid head, kliente olematu arv arvestades litsentsibaasi ja ambitsioone. Ilmselt aktsiahind kasvab kordades, kui äri natuke rohkem käima läheb. no pos.
Ei. Aga olen lugenud nende kõik aastaaruanded, enamus vabalt saadavat infot, rääkinud operaatoritega ja töötajatega ja uurinud ka konkurentide käest. Olen ka klient ühe firma kaudu. Ja kiidan. Ja ilmselt võtan ka positsiooni.
https://wise.com/help/articles/b8sVSdAzytqVamfajSirb/how-does-balance-cashback-work Wise pays balance cashback each month based on the EUR, GBP and USD you hold in your Wise account. You agree that the cashback rate is variable and that we may change the rate and/or stop paying cashback at any time. For eligible balances held in Wise accounts in June 2024, Wise paid an annualised cashback rate of: 2.11% for any EUR 3.31% for any GBP 3.85% for any USD Wise Europe operates within the tax jurisdiction of Belgium, where cashback is liable for 30% withholding tax. We deduct this tax and pay it to the Belgian tax authorities before we add the cashback to your account.
"karlsson25" https://wise.com/help/articles/b8sVSdAzytqVamfajSirb/how-does-balance-cashback-work Wise pays balance cashback each month based on the EUR, GBP and USD you hold in your Wise account. You agree that the cashback rate is variable and that we may change the rate and/or stop paying cashback at any time. For eligible balances held in Wise accounts in June 2024, Wise paid an annualised cashback rate of: 2.11% for any EUR 3.31% for any GBP 3.85% for any USD Wise Europe operates within the tax jurisdiction of Belgium, where cashback is liable for 30% withholding tax. We deduct this tax and pay it to the Belgian tax authorities before we add the cashback to your account.
Kus on konks? Kas on mingit konksu?
nii loll ei saa ju olla? Aga üksratas tõestab järjekordselt, et saab. Mis konks, puhas röövimine teiste pankade pakkumistega võrreldes.
Wise'i poolaasta kasum oli £217,3m, +55% YoY ehk €261 miljonit, aasta teine pool peaks küll madalam tulema investeeringute tõttu madalamasse hinnastamisesse. Siin ka see aeg kätte jõudmas, kus suurima kasumi toob riskikapitalil kasvanud tehnoloogiaettevõtted.
Ei oma, pole seotud kuidagi, ei ole investeerimissoovitus.
