<p>隨着時間流逝，各個行業的生命週期也在不斷變化。金融服務行業就是其中之一，正在經歷快速變革。</p>
<p>金融服務行業的根本轉變是由技術創新引起的。然而，大型銀行實體由於繁瑣的重組流程而遲遲未能調整其商業模式。</p>
<p>因此，早期金融科技（FinTech）公司得以利用該行業內發生的根本性變化。</p>
<p>金融科技市場預計每年增長 18.5％，從而證實了我上面的論點。鑑於其系統性支持，我決定深入研究金融科技行業，尋找三家最佳股票。</p>
<p>在方法論上，我的篩選過程強調了概念可行性、基本實力和資產定價。此外，我在必要時也涉及事件驅動因素。</p>
<p>廢話不多説，以下是三家值得考慮的金融科技股票。</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>來源：shutterstock.com/ZinetroN</p>
<p><strong>Fiserv</strong>（紐約證券交易所：<strong>FI</strong>）是一家全球金融科技解決方案公司，通過提供支付處理解決方案、銷售點系統、賬單和付款功能等服務，為銀行業提供輔助服務。</p>
<p>該公司於 7 月發佈了成功的第二季度財報，展示了其長期增長。Fiserv 的關鍵數字顯示，其季度有機收入增長了 18％，而其調整後的每股收益增長了 39％。</p>
<p>Fiserv 的關鍵推動因素之一是其數字支付網絡 Zelle，其交易量季度增長了 43％。此外，Fiserv 的商户解決方案 Clover 季度收入增長了 28％，顯示出 Fiserv 的垂直一體化模式正在成型。</p>
<p>自年初以來，FI 股價已上漲近 20％，將其市銷率推高至 4.76 倍。然而，FI 股票的相對強弱指數約為 51，表明其尚未達到超買區域。</p>
<p>因此，Fiserv 的股票還有很大的增長空間，特別是考慮到其增長屬性。</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>來源：photo_gonzo / Shutterstock.com</p>
<p><strong>Payoneer Global</strong>（納斯達克：<strong>PAYO</strong>）為客户提供多幣種平台，強調應付賬款和應收賬款解決方案。這一概念值得讚賞，因為由於跨境業務的不斷發展，貨幣風險管理變得越來越重要。</p>
<p>此外，Payoneer 向超過 190 個國家提供通用支付解決方案，使客户能夠及時記錄交易而無需支付過高的交易費用。</p>
<p>該公司最近發佈了令人振奮的第一季度業績報告，超過分析師的預期，收入目標超出 1699 萬美元，每股收益目標超出三美分。</p>
<p>此外，Payoneer 公佈的運營數據令人振奮，其用户量和活躍理想客户檔案分別增長了 21％和 8％。</p>
<p>過去六個月，PAYO 股價上漲了超過 33％。然而，考慮到其估值指標，我認為還有額外的上漲空間。</p>
<p>例如，PAYO 股票的市銷率為 2.76 倍，我認為對於一家成長股來説這是較低的。此外，PAYO 的企業價值與營收比為 1.63 倍，顯示其具有可擴展性。</p>
<p>儘管是一項風險投注，但我在這裏持樂觀態度。</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>來源：Wright Studio / Shutterstock.com</p>
<p><strong>Adyen</strong>（櫃枱交易所：<strong>ADYEY</strong>）是一家荷蘭公司，提供包括交易產品、融資解決方案和業務增強工具在內的廣泛金融科技解決方案。</p>
<p>我將 Adyen 加入此列表是因為它具有強大的價值主張。例如，該公司與微軟（納斯達克：<strong>MSFT</strong>）、eBay（納斯達克：<strong>EBAY</strong>）和 Uber（紐約證券交易所：<strong>UBER</strong>）等大公司合作，從而平滑了其頂線前景。</p>
<p>此外，正如前文所述，Adyen 擁有廣泛的產品套件，使其能夠獲得諸如跨銷售和人力資本共享等協同效應。</p>
<p>此外，Adyen 的關鍵績效指標強勁。該公司不久前發佈了一份業務更新，顯示出色的增長。</p>
<p>例如，Adyen 的數字處理量同比增長了 51％，統一商務處理量增長了 30％，平台處理量增長了 55％。</p>
<p>綜合觀點顯示，Adyen 的第一季度營收達到 4.38 億歐元，約合 4.78 億美元，符合其更廣泛的五年複合年增長率 36.05％和五年平均普通股權益回報率 26.77％。</p>
<p>最後，對 Adyen 的基於金融市場的指標進行情境化審視是具有啓示性的。</p>
<p>Adyen 的前瞻市盈率為 36.5 倍，市銷率為 17.63 倍。有些人可能認為這些倍數過高。</p>
<p>然而，Adyen 的全面增長和協同效應將導致從現在開始顯着的上漲。</p>
<p><em>在發佈日期，Steve Booyens 未持有（直接或間接）本文提及的任何證券。本文中表達的觀點屬於作者個人，遵循 InvestorPlace.com 的發佈準則。</em></p>
<p><em>在發佈日期，負責編輯未持有（直接或間接）本文提及的任何證券。</em></p>
<p>Steve Booyens 於 2020 年共同創立了 Pearl Gray Equity and Research，並自那時起負責跨資產研究和公關工作。在創立該公司之前，Steve 在倫敦和南非的各種金融職位上工作過。他擁有倫敦大學瑪麗皇后學院的投資銀行碩士學位。此外，Steve 於 2024 年 4 月 26 日獲得了 CFA 特許資格，並正在攻讀金融博士學位。他的文章發表在諸如 Seeking Alpha、TipRanks、Yahoo Finance 和 Benzinga 等多家知名網站上。Steve 在 InvestorPlace 上的文章並不構成金融建議。然而，它們在主流觀點和客觀理論之間形成了有趣的對比，使讀者能夠從無偏見的評論中受益。讀者可以期待對經常交易的股票、房地產投資信託 (REITs)、固定收益基金、封閉式基金 (CEFs) 和交易所交易基金 (ETFs) 的報道。</p>

FISV

<p>這位財經編輯分析了由於技術創新而導致金融服務行業快速變化的情況。他們確定了三傢俱有顛覆潛力的金融科技股票：Fiserv、Payoneer 和 Adyen。他們提供了關於每家公司財務表現和增長前景的關鍵信息。編輯的分析表明，這些股票有進一步增長的空間。這份摘要屬於與投資研究相關的信息類別</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>隨着時間流逝，各個行業的生命週期也在不斷變化。金融服務行業就是其中之一，正在經歷快速變革。</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>金融服務行業的根本轉變是由技術創新引起的。然而，大型銀行實體由於繁瑣的重組流程而遲遲未能調整其商業模式。</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）公司得以利用該行業內發生的根本性變化。</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>金融科技市場預計每年增長 18.5％，從而證實了我上面的論點。鑑於其系統性支持，我決定深入研究金融科技行業，尋找三家最佳股票。</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>在方法論上，我的篩選過程強調了概念可行性、基本實力和資產定價。此外，我在必要時也涉及事件驅動因素。</p>
</div><p>Without further ado, here are three FinTech stocks to consider.</p>
<div class="lb-trans"><p>廢話不多説，以下是三家值得考慮的金融科技股票。</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>來源：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>（紐約證券交易所：<strong>FI</strong>）是一家全球金融科技解決方案公司，通過提供支付處理解決方案、銷售點系統、賬單和付款功能等服務，為銀行業提供輔助服務。</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>該公司於 7 月發佈了成功的第二季度財報，展示了其長期增長。Fiserv 的關鍵數字顯示，其季度有機收入增長了 18％，而其調整後的每股收益增長了 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 的關鍵推動因素之一是其數字支付網絡 Zelle，其交易量季度增長了 43％。此外，Fiserv 的商户解決方案 Clover 季度收入增長了 28％，顯示出 Fiserv 的垂直一體化模式正在成型。</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>自年初以來，FI 股價已上漲近 20％，將其市銷率推高至 4.76 倍。然而，FI 股票的相對強弱指數約為 51，表明其尚未達到超買區域。</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 的股票還有很大的增長空間，特別是考慮到其增長屬性。</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>來源：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>（納斯達克：<strong>PAYO</strong>）為客户提供多幣種平台，強調應付賬款和應收賬款解決方案。這一概念值得讚賞，因為由於跨境業務的不斷發展，貨幣風險管理變得越來越重要。</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 向超過 190 個國家提供通用支付解決方案，使客户能夠及時記錄交易而無需支付過高的交易費用。</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>該公司最近發佈了令人振奮的第一季度業績報告，超過分析師的預期，收入目標超出 1699 萬美元，每股收益目標超出三美分。</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 公佈的運營數據令人振奮，其用户量和活躍理想客户檔案分別增長了 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>過去六個月，PAYO 股價上漲了超過 33％。然而，考慮到其估值指標，我認為還有額外的上漲空間。</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 股票的市銷率為 2.76 倍，我認為對於一家成長股來説這是較低的。此外，PAYO 的企業價值與營收比為 1.63 倍，顯示其具有可擴展性。</p>
</div><p>Although a risky bet, I’m bullish here, folks.</p>
<div class="lb-trans"><p>儘管是一項風險投注，但我在這裏持樂觀態度。</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>來源：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>（櫃枱交易所：<strong>ADYEY</strong>）是一家荷蘭公司，提供包括交易產品、融資解決方案和業務增強工具在內的廣泛金融科技解決方案。</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>我將 Adyen 加入此列表是因為它具有強大的價值主張。例如，該公司與微軟（納斯達克：<strong>MSFT</strong>）、eBay（納斯達克：<strong>EBAY</strong>）和 Uber（紐約證券交易所：<strong>UBER</strong>）等大公司合作，從而平滑了其頂線前景。</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 擁有廣泛的產品套件，使其能夠獲得諸如跨銷售和人力資本共享等協同效應。</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 的關鍵績效指標強勁。該公司不久前發佈了一份業務更新，顯示出色的增長。</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 的數字處理量同比增長了 51％，統一商務處理量增長了 30％，平台處理量增長了 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>綜合觀點顯示，Adyen 的第一季度營收達到 4.38 億歐元，約合 4.78 億美元，符合其更廣泛的五年複合年增長率 36.05％和五年平均普通股權益回報率 26.77％。</p>
</div><p>Lastly, a contextualized look at Adyen’s financial market-based metrics is telling.</p>
<div class="lb-trans"><p>最後，對 Adyen 的基於金融市場的指標進行情境化審視是具有啓示性的。</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 的前瞻市盈率為 36.5 倍，市銷率為 17.63 倍。有些人可能認為這些倍數過高。</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 的全面增長和協同效應將導致從現在開始顯着的上漲。</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>在發佈日期，Steve Booyens 未持有（直接或間接）本文提及的任何證券。本文中表達的觀點屬於作者個人，遵循 InvestorPlace.com 的發佈準則。</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>在發佈日期，負責編輯未持有（直接或間接）本文提及的任何證券。</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 於 2020 年共同創立了 Pearl Gray Equity and Research，並自那時起負責跨資產研究和公關工作。在創立該公司之前，Steve 在倫敦和南非的各種金融職位上工作過。他擁有倫敦大學瑪麗皇后學院的投資銀行碩士學位。此外，Steve 於 2024 年 4 月 26 日獲得了 CFA 特許資格，並正在攻讀金融博士學位。他的文章發表在諸如 Seeking Alpha、TipRanks、Yahoo Finance 和 Benzinga 等多家知名網站上。Steve 在 InvestorPlace 上的文章並不構成金融建議。然而，它們在主流觀點和客觀理論之間形成了有趣的對比，使讀者能夠從無偏見的評論中受益。讀者可以期待對經常交易的股票、房地產投資信託 (REITs)、固定收益基金、封閉式基金 (CEFs) 和交易所交易基金 (ETFs) 的報道。</p>
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3 只可能顛覆傳統銀行業的金融科技股票