<p>随着时间流逝，各个行业的生命周期也在不断变化。金融服务行业就是其中之一，正在经历快速变革。</p>
<p>金融服务行业的根本转变是由技术创新引起的。然而，大型银行实体由于繁琐的重组流程而迟迟未能调整其商业模式。</p>
<p>因此，早期金融科技（FinTech）公司得以利用该行业内发生的根本性变化。</p>
<p>金融科技市场预计每年增长 18.5％，从而证实了我上面的论点。鉴于其系统性支持，我决定深入研究金融科技行业，寻找三家最佳股票。</p>
<p>在方法论上，我的筛选过程强调了概念可行性、基本实力和资产定价。此外，我在必要时也涉及事件驱动因素。</p>
<p>废话不多说，以下是三家值得考虑的金融科技股票。</p>
<h2>Fiserv（FI）</h2>
<p><img src="https://imageproxy.pbkrs.com/https://investorplace.com/wp-content/plugins/lazy-load/images/1x1.trans.gif?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" width="1" height="1" original-src="https://imageproxy.pbkrs.com/https://investorplace.com/wp-content/plugins/lazy-load/images/1x1.trans.gif"/></p>
<p>来源：shutterstock.com/ZinetroN</p>
<p><strong>Fiserv</strong>（纽约证券交易所：<strong>FI</strong>）是一家全球金融科技解决方案公司，通过提供支付处理解决方案、销售点系统、账单和付款功能等服务，为银行业提供辅助服务。</p>
<p>该公司于 7 月发布了成功的第二季度财报，展示了其长期增长。Fiserv 的关键数字显示，其季度有机收入增长了 18％，而其调整后的每股收益增长了 39％。</p>
<p>Fiserv 的关键推动因素之一是其数字支付网络 Zelle，其交易量季度增长了 43％。此外，Fiserv 的商户解决方案 Clover 季度收入增长了 28％，显示出 Fiserv 的垂直一体化模式正在成型。</p>
<p>自年初以来，FI 股价已上涨近 20％，将其市销率推高至 4.76 倍。然而，FI 股票的相对强弱指数约为 51，表明其尚未达到超买区域。</p>
<p>因此，Fiserv 的股票还有很大的增长空间，特别是考虑到其增长属性。</p>
<h2>Payoneer（PAYO）</h2>
<p><img src="https://imageproxy.pbkrs.com/https://investorplace.com/wp-content/plugins/lazy-load/images/1x1.trans.gif?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" width="1" height="1" original-src="https://imageproxy.pbkrs.com/https://investorplace.com/wp-content/plugins/lazy-load/images/1x1.trans.gif"/></p>
<p>来源：photo_gonzo / Shutterstock.com</p>
<p><strong>Payoneer Global</strong>（纳斯达克：<strong>PAYO</strong>）为客户提供多币种平台，强调应付账款和应收账款解决方案。这一概念值得赞赏，因为由于跨境业务的不断发展，货币风险管理变得越来越重要。</p>
<p>此外，Payoneer 向超过 190 个国家提供通用支付解决方案，使客户能够及时记录交易而无需支付过高的交易费用。</p>
<p>该公司最近发布了令人振奋的第一季度业绩报告，超过分析师的预期，收入目标超出 1699 万美元，每股收益目标超出三美分。</p>
<p>此外，Payoneer 公布的运营数据令人振奋，其用户量和活跃理想客户档案分别增长了 21％和 8％。</p>
<p>过去六个月，PAYO 股价上涨了超过 33％。然而，考虑到其估值指标，我认为还有额外的上涨空间。</p>
<p>例如，PAYO 股票的市销率为 2.76 倍，我认为对于一家成长股来说这是较低的。此外，PAYO 的企业价值与营收比为 1.63 倍，显示其具有可扩展性。</p>
<p>尽管是一项风险投注，但我在这里持乐观态度。</p>
<h2>Adyen（ADYE.Y）</h2>
<p><img src="https://imageproxy.pbkrs.com/https://investorplace.com/wp-content/plugins/lazy-load/images/1x1.trans.gif?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" width="1" height="1" original-src="https://imageproxy.pbkrs.com/https://investorplace.com/wp-content/plugins/lazy-load/images/1x1.trans.gif"/></p>
<p>来源：Wright Studio / Shutterstock.com</p>
<p><strong>Adyen</strong>（柜台交易所：<strong>ADYEY</strong>）是一家荷兰公司，提供包括交易产品、融资解决方案和业务增强工具在内的广泛金融科技解决方案。</p>
<p>我将 Adyen 加入此列表是因为它具有强大的价值主张。例如，该公司与微软（纳斯达克：<strong>MSFT</strong>）、eBay（纳斯达克：<strong>EBAY</strong>）和 Uber（纽约证券交易所：<strong>UBER</strong>）等大公司合作，从而平滑了其顶线前景。</p>
<p>此外，正如前文所述，Adyen 拥有广泛的产品套件，使其能够获得诸如跨销售和人力资本共享等协同效应。</p>
<p>此外，Adyen 的关键绩效指标强劲。该公司不久前发布了一份业务更新，显示出色的增长。</p>
<p>例如，Adyen 的数字处理量同比增长了 51％，统一商务处理量增长了 30％，平台处理量增长了 55％。</p>
<p>综合观点显示，Adyen 的第一季度营收达到 4.38 亿欧元，约合 4.78 亿美元，符合其更广泛的五年复合年增长率 36.05％和五年平均普通股权益回报率 26.77％。</p>
<p>最后，对 Adyen 的基于金融市场的指标进行情境化审视是具有启示性的。</p>
<p>Adyen 的前瞻市盈率为 36.5 倍，市销率为 17.63 倍。有些人可能认为这些倍数过高。</p>
<p>然而，Adyen 的全面增长和协同效应将导致从现在开始显着的上涨。</p>
<p><em>在发布日期，Steve Booyens 未持有（直接或间接）本文提及的任何证券。本文中表达的观点属于作者个人，遵循 InvestorPlace.com 的发布准则。</em></p>
<p><em>在发布日期，负责编辑未持有（直接或间接）本文提及的任何证券。</em></p>
<p>Steve Booyens 于 2020 年共同创立了 Pearl Gray Equity and Research，并自那时起负责跨资产研究和公关工作。在创立该公司之前，Steve 在伦敦和南非的各种金融职位上工作过。他拥有伦敦大学玛丽皇后学院的投资银行硕士学位。此外，Steve 于 2024 年 4 月 26 日获得了 CFA 特许资格，并正在攻读金融博士学位。他的文章发表在诸如 Seeking Alpha、TipRanks、Yahoo Finance 和 Benzinga 等多家知名网站上。Steve 在 InvestorPlace 上的文章并不构成金融建议。然而，它们在主流观点和客观理论之间形成了有趣的对比，使读者能够从无偏见的评论中受益。读者可以期待对经常交易的股票、房地产投资信托 (REITs)、固定收益基金、封闭式基金 (CEFs) 和交易所交易基金 (ETFs) 的报道。</p>

FISV

<p>这位财经编辑分析了由于技术创新而导致金融服务行业快速变化的情况。他们确定了三家具有颠覆潜力的金融科技股票：Fiserv、Payoneer 和 Adyen。他们提供了关于每家公司财务表现和增长前景的关键信息。编辑的分析表明，这些股票有进一步增长的空间。这份摘要属于与投资研究相关的信息类别</p>

<p>As time moves through the hourglass, so does the lifespan of sectors. One such domain is the financial services sector, which is experiencing rapid change.</p>
<div class="lb-trans"><p>随着时间流逝，各个行业的生命周期也在不断变化。金融服务行业就是其中之一，正在经历快速变革。</p>
</div><p>The fundamental shift in the financial services sector is due to technological innovation. However, large banking entities have been slow to adjust their business models, due to cumbersome restructuring processes.</p>
<div class="lb-trans"><p>金融服务行业的根本转变是由技术创新引起的。然而，大型银行实体由于繁琐的重组流程而迟迟未能调整其商业模式。</p>
</div><p>Therefore, early-stage financial technology, or FinTech, firms are provided the latitude to tap into the radical change experienced within the sector.</p>
<div class="lb-trans"><p>因此，早期金融科技（FinTech）公司得以利用该行业内发生的根本性变化。</p>
</div><p>The FinTech market is forecasted to grow at 18.5% annually, substantiating my argument above. Given its systematic support, I decided to delve into the FinTech industry to look for three best-in-class stocks.</p>
<div class="lb-trans"><p>金融科技市场预计每年增长 18.5％，从而证实了我上面的论点。鉴于其系统性支持，我决定深入研究金融科技行业，寻找三家最佳股票。</p>
</div><p>Methodologically, my screening process emphasized concept feasibility, fundamental prowess and asset pricing. Moreover, I touched on event-driven factors whenever necessary.</p>
<div class="lb-trans"><p>在方法论上，我的筛选过程强调了概念可行性、基本实力和资产定价。此外，我在必要时也涉及事件驱动因素。</p>
</div><p>Without further ado, here are three FinTech stocks to consider.</p>
<div class="lb-trans"><p>废话不多说，以下是三家值得考虑的金融科技股票。</p>
</div><h2>Fiserv (FI)</h2>
<div class="lb-trans"><h2>Fiserv（FI）</h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://investorplace.com/wp-content/plugins/lazy-load/images/1x1.trans.gif" alt="" original-src="https://investorplace.com/wp-content/plugins/lazy-load/images/1x1.trans.gif"/></p>
<p>Source: shutterstock.com/ZinetroN</p>
<div class="lb-trans"><p>来源：shutterstock.com/ZinetroN</p>
</div><p><strong>Fiserv</strong> (NYSE: <strong>FI</strong>) is a global FinTech solutions company that operates ancillary to the banking industry by delivering payment processing solutions, point-of-sale systems, billing and payment features, and more.</p>
<div class="lb-trans"><p><strong>Fiserv</strong>（纽约证券交易所：<strong>FI</strong>）是一家全球金融科技解决方案公司，通过提供支付处理解决方案、销售点系统、账单和付款功能等服务，为银行业提供辅助服务。</p>
</div><p>The firm released a successful second-quarter financial report in July, illustrating its secular growth. A look at Fiserv’s salient numbers shows that its quarterly organic revenue grew by 18% while its GAAP-adjusted earnings-per-share surged by 39%.</p>
<div class="lb-trans"><p>该公司于 7 月发布了成功的第二季度财报，展示了其长期增长。Fiserv 的关键数字显示，其季度有机收入增长了 18％，而其调整后的每股收益增长了 39％。</p>
</div><p>Among Fiserv’s key drivers was its digital payments network, Zelle, which experienced a 43% quarterly increase in transactions. Additionally, Fiserv’s merchant solution, Clover, ascertained a 28% increase in quarterly revenue, showing that Fiserv’s vertically integrated model is taking shape.</p>
<div class="lb-trans"><p>Fiserv 的关键推动因素之一是其数字支付网络 Zelle，其交易量季度增长了 43％。此外，Fiserv 的商户解决方案 Clover 季度收入增长了 28％，显示出 Fiserv 的垂直一体化模式正在成型。</p>
</div><p>FI stock has surged by nearly 20% since the turn of the year, dragging its price-to-sales ratio up to 4.76x. However, FI stock has a relative strength index statistic of around 51, showing that it has yet to reach overbought territory.</p>
<div class="lb-trans"><p>自年初以来，FI 股价已上涨近 20％，将其市销率推高至 4.76 倍。然而，FI 股票的相对强弱指数约为 51，表明其尚未达到超买区域。</p>
</div><p>As such, Fiserv’s stock has plenty of runway left, especially if its growth attributes are considered.</p>
<div class="lb-trans"><p>因此，Fiserv 的股票还有很大的增长空间，特别是考虑到其增长属性。</p>
</div><h2>Payoneer (PAYO)</h2>
<div class="lb-trans"><h2>Payoneer（PAYO）</h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://investorplace.com/wp-content/plugins/lazy-load/images/1x1.trans.gif" alt="" original-src="https://investorplace.com/wp-content/plugins/lazy-load/images/1x1.trans.gif"/></p>
<p>Source: photo_gonzo / Shutterstock.com</p>
<div class="lb-trans"><p>来源：photo_gonzo / Shutterstock.com</p>
</div><p><strong>Payoneer Global</strong> (NASDAQ: <strong>PAYO</strong>) provides customers with a multi-currency platform, emphasizing solutions for accounts payable and receivables. The concept is commendable, as currency risk management is growing in importance, due to the evolving nature of cross-border business.</p>
<div class="lb-trans"><p><strong>Payoneer Global</strong>（纳斯达克：<strong>PAYO</strong>）为客户提供多币种平台，强调应付账款和应收账款解决方案。这一概念值得赞赏，因为由于跨境业务的不断发展，货币风险管理变得越来越重要。</p>
</div><p>Moreover, Payoneer provides generalized payment solutions to more than 190 countries, allowing its customers to record timely transactions without paying exorbitant transaction fees.</p>
<div class="lb-trans"><p>此外，Payoneer 向超过 190 个国家提供通用支付解决方案，使客户能够及时记录交易而无需支付过高的交易费用。</p>
</div><p>The company recently affirmed its competitive zeal when it delivered a promising first-quarter earnings report. Payoneer beat analysts’ estimates by surpassing its revenue target by $16.99 million and its earnings-per-share target by three cents.</p>
<div class="lb-trans"><p>该公司最近发布了令人振奋的第一季度业绩报告，超过分析师的预期，收入目标超出 1699 万美元，每股收益目标超出三美分。</p>
</div><p>Moreover, Payoneer revealed scintillating operating numbers as its user volume and active ideal customer profiles grew by 21% and 8% apiece.</p>
<div class="lb-trans"><p>此外，Payoneer 公布的运营数据令人振奋，其用户量和活跃理想客户档案分别增长了 21％和 8％。</p>
</div><p>PAYO stock has ticked up by more than 33% in the past six months. However, given its valuation metrics, I believe additional upside is warranted.</p>
<div class="lb-trans"><p>过去六个月，PAYO 股价上涨了超过 33％。然而，考虑到其估值指标，我认为还有额外的上涨空间。</p>
</div><p>For example, PAYO stock has a price-to-sales ratio of 2.76x, which I consider low for a growth stock. Additionally, PAYO sports an enterprise value-to-revenue multiple of 1.63x, illustrating its scalability.</p>
<div class="lb-trans"><p>例如，PAYO 股票的市销率为 2.76 倍，我认为对于一家成长股来说这是较低的。此外，PAYO 的企业价值与营收比为 1.63 倍，显示其具有可扩展性。</p>
</div><p>Although a risky bet, I’m bullish here, folks.</p>
<div class="lb-trans"><p>尽管是一项风险投注，但我在这里持乐观态度。</p>
</div><h2>Adyen (ADYE.Y)</h2>
<div class="lb-trans"><h2>Adyen（ADYE.Y）</h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://investorplace.com/wp-content/plugins/lazy-load/images/1x1.trans.gif" alt="" original-src="https://investorplace.com/wp-content/plugins/lazy-load/images/1x1.trans.gif"/></p>
<p>Source: Wright Studio / Shutterstock.com</p>
<div class="lb-trans"><p>来源：Wright Studio / Shutterstock.com</p>
</div><p><strong>Adyen</strong> (OTCMKTS:<strong>ADYEY</strong>) is a Dutch company that offers a wide range of FinTech solutions, including transactional products, financing solutions, and business enhancement tools.</p>
<div class="lb-trans"><p><strong>Adyen</strong>（柜台交易所：<strong>ADYEY</strong>）是一家荷兰公司，提供包括交易产品、融资解决方案和业务增强工具在内的广泛金融科技解决方案。</p>
</div><p>I added Adyen to this list as it has strong value propositions. For instance, the firm has partnerships with large firms such as <strong>Microsoft</strong>(NASDAQ:<strong>MSFT</strong>), <strong>eBay</strong>(NASDAQ:<strong>EBAY</strong>) and <strong>Uber</strong>(NYSE:<strong>UBER</strong>), which smooths its top-line prospects.</p>
<div class="lb-trans"><p>我将 Adyen 加入此列表是因为它具有强大的价值主张。例如，该公司与微软（纳斯达克：<strong>MSFT</strong>）、eBay（纳斯达克：<strong>EBAY</strong>）和 Uber（纽约证券交易所：<strong>UBER</strong>）等大公司合作，从而平滑了其顶线前景。</p>
</div><p>Moreover, as shown earlier, Adyen has a broad suite of offerings, allowing it access to synergies such as cross-sales and the sharing of human capital.</p>
<div class="lb-trans"><p>此外，正如前文所述，Adyen 拥有广泛的产品套件，使其能够获得诸如跨销售和人力资本共享等协同效应。</p>
</div><p>Furthermore, Adyen’s key performance indicators are robust. The company released a business update a little while back, showing stellar growth.</p>
<div class="lb-trans"><p>此外，Adyen 的关键绩效指标强劲。该公司不久前发布了一份业务更新，显示出色的增长。</p>
</div><p>For example, Adyen’s digital processed volume surged by 51% year-over-year, while its unified commerce processed volume climbed by 30% and its platforms processed volume by 55%.</p>
<div class="lb-trans"><p>例如，Adyen 的数字处理量同比增长了 51％，统一商务处理量增长了 30％，平台处理量增长了 55％。</p>
</div><p>A composite view shows that Adyen’s first-quarter revenue settled at €438.0 million, approximately $478 million, playing into its broader five-year compound annual growth rate of 36.05% and a five-year average Return-on-Common Equity ratio of 26.77%.</p>
<div class="lb-trans"><p>综合观点显示，Adyen 的第一季度营收达到 4.38 亿欧元，约合 4.78 亿美元，符合其更广泛的五年复合年增长率 36.05％和五年平均普通股权益回报率 26.77％。</p>
</div><p>Lastly, a contextualized look at Adyen’s financial market-based metrics is telling.</p>
<div class="lb-trans"><p>最后，对 Adyen 的基于金融市场的指标进行情境化审视是具有启示性的。</p>
</div><p>Adyen has a forward price-to-earnings ratio of 36.5x and a price-to-sales ratio of 17.63x. Some might consider these multiples too high.</p>
<div class="lb-trans"><p>Adyen 的前瞻市盈率为 36.5 倍，市销率为 17.63 倍。有些人可能认为这些倍数过高。</p>
</div><p>However, Adyen’s comprehensive growth and synergies will lead to significant upside from here on in.</p>
<div class="lb-trans"><p>然而，Adyen 的全面增长和协同效应将导致从现在开始显着的上涨。</p>
</div><p><em>On the date of publication, Steve Booyens did not hold (either directly or indirectly) any positions in the securities mentioned in this article. The opinions expressed in this article are those of the writer, subject to the</em> <em>InvestorPlace.com Publishing Guidelines</em>.</p>
<div class="lb-trans"><p><em>在发布日期，Steve Booyens 未持有（直接或间接）本文提及的任何证券。本文中表达的观点属于作者个人，遵循 InvestorPlace.com 的发布准则。</em></p>
</div><p><em>On the date of publication, the responsible editor did not have (either directly or indirectly) any positions in the securities mentioned in this article.</em></p>
<div class="lb-trans"><p><em>在发布日期，负责编辑未持有（直接或间接）本文提及的任何证券。</em></p>
</div><p>Steve Booyens co-founded Pearl Gray Equity and Research in 2020 and has been responsible for cross-asset research and PR ever since. Before founding the firm, Steve spent time working in various finance roles in London and South Africa. He holds an MSc in Investment Banking from Queen Mary – University of London. Furthermore, Steve obtained his CFA Charter on April 26, 2024, and is working toward his Ph.D. in Finance. His articles are published on various reputable web pages such as Seeking Alpha, TipRanks, Yahoo Finance, and Benzinga. Steve’s articles on InvestorPlace don’t constitute financial advice. However, they form an interesting juxtaposition between mainstream opinion and objective theory, allowing readers to benefit from unbiased commentary. Readers can expect coverage on frequently traded stocks, REITs, fixed-income funds, CEFs, and ETFs.</p>
<div class="lb-trans"><p>Steve Booyens 于 2020 年共同创立了 Pearl Gray Equity and Research，并自那时起负责跨资产研究和公关工作。在创立该公司之前，Steve 在伦敦和南非的各种金融职位上工作过。他拥有伦敦大学玛丽皇后学院的投资银行硕士学位。此外，Steve 于 2024 年 4 月 26 日获得了 CFA 特许资格，并正在攻读金融博士学位。他的文章发表在诸如 Seeking Alpha、TipRanks、Yahoo Finance 和 Benzinga 等多家知名网站上。Steve 在 InvestorPlace 上的文章并不构成金融建议。然而，它们在主流观点和客观理论之间形成了有趣的对比，使读者能够从无偏见的评论中受益。读者可以期待对经常交易的股票、房地产投资信托 (REITs)、固定收益基金、封闭式基金 (CEFs) 和交易所交易基金 (ETFs) 的报道。</p>
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3 只可能颠覆传统银行业的金融科技股票