OPERA LTD. SP.ADR/2 WKN: A2JRLX ISIN: US68373M1071 Kürzel: 2V8 Forum: Aktien Thema: Hauptdiskussion

Aber hat Stefan Waldhauser nicht zu 7,7 einen Tag vorher gekauft?

Ja aber mal im Ernst. Zu sagen man wachse nur im Fintechbereich ist ja Schwachsinn. Die anderen Apps werden derzeit nur noch nicht monetarisiert. Die News App hat 169 mio User. Da ist einiges an Potenzial. Stefan Waldhauser hat in seinem Wikifolio direkt nachgekauft. Ich bleibe drin. Das ist recht irrational derzeit. Wenn im 4.Quartal die Ausfälle von 50% der Zinsen auf 20-30% geht ist die Richtung klar. Hier der Kommentar von einem User von Seeking Alpha: Very misleading report. Bordering on lying. I did just a little bit of research and it seems that there are some massive attempts to mislead here. First the report tries to imply that OPRA has only a shrinking browser business and a growing lending business. This is wrong, because (i) the browser business is not shrinking but growing at very respectable rates and (ii) they do have other businesses that have nothing to do with lending and that are also growing very fast including their news business and their classifieds business. They imply that the browser business is shrinking because of shrinking market share. But the market share is a very misleading statistic, because it is against two browsers that are automatically installed on devices -- chrome and safari. Naturally when africa got flooded with android devices and (to lesser extent) iphones, the market share of the opera browser decreased. If someone buys an android phone and intentionally installs the opera browser, because they prefer it they are still counted as both a chrome and opera user because chrome is still part of the OS and automatically used on many occasions. In fact the absolute number of Opera browser users is growing. In the last reported quarter "search revenue increased 13% to $21.5 million, primarily due to smartphone and PC browser growth." The Opera browser actually has a very cozy market niche because it can offer users better tracking and advertising protection than Chrome or Safari. Since both Google and Apple are trying to become advertising powerhouses, they do not dare *** off advertisers too much by offering too much user privacy. OPRA also makes money from advertising but they do not set the national agenda as to what privacy is acceptable so they can afford to offer better privacy without endangering a massive pushback from advertisers. Furthermore, last quarter advertising revenues rose 17% yoy. This has nothing to do with lending or finance. This is because of the aforementioned growth of the browser and the growth of new products such as news and classifieds, whose existence the short report does not even acknowledge. In fact, in the last quarter opera news users grew 49% to 169 million monthly active users (41 million on the app). In the US, a product with a 170 million users (half of the US population) would by itself justify a valuation much larger than OPRAs market cap. But for Hinderburg research, this is not even worth mentioning. Regarding the lending business. They tried to imply that the lending business was contrary to google guidelines and about to banned from the app store. Yet they only referenced the Google advertising guidelines not the actual app guidelines. The advertising guidelines talk about what advertisements are allowed and do not allow or disallow actual apps. There is absolutely no indication that the app is contrary to guidelines and that it is in danger of being turned off. They indicated that the loans have scary interest rates. But those calculations included non-payment penalties. If you assume on time payment and thus remove non-payment penalties the loans still have high interest rates (when calculated annually), but the rates are actually much better than US payday loan rates in most states. Furthermore, the loans are not as exploitative as us payday loans or other micro lending services because they are so small that OPRA does not take enforcement action other than adding the non-payer to a credit report list. There is no garnishment of wages, taking of property, threats, etc. (This is actually a big improvement in India, where previous micro-lending services included threats and forcing people to commit suicide). They say that adding people to those lists will prevent them from getting jobs. I very much doubt this is the case for most jobs given the mostly informal nature of the African and Indian economies. The report tried to make a scary statement that the lending business is experiencing 50% credit losses. That is technically true, but it is 50% of the interest collected, not 50% of the value of the loans. Thus, the credit business is still profitable. It will be good if the credit losses decrease, but they are already moving in that direction. I don't really like these short term high interest loans. But they are not all completely evil. For example a short term loan can be very helpful to pay a bill whose non-payment would result in even higher penalties than the loan interest. Thus, if a phone bill or an electric bill comes before the paycheck, a short term loan can save money. And of course there is an improvement if the short term loan replaces local lenders that use downright evil collection methods. I have read horror stories about lenders in India and Africa that would make OPRA seem like godsend in comparison to the local competitors. Anyways, I will do more research on the lending business. If I decide it is morally reprehensible I may sell my OPRA stake. But the implications that OPRA is not making money or not experiencing real growth or that it is about to implode are downright wrong and fall apart after a cursory examination. OPRA is a successful profitable fast growing company and everything about their profits and growth are real. The morality of the lending business requires more examination and this is research that I will do this weekend. If anyone has personal experience with OPRA loans, please do share.

Fällt nachbörslich fröhlich weiter

$2.60 Kursziel von Hindenburg Research, erinnert mich ein wenig an den 10 Dollar Analysten von Tesla

hab heute die chance genutzt aufgestockt

Was meint ihr lieber raus?

Und das Kreditgeschäft

Ja die nehmen den CEO auseinander

Artikel auf hindenburgresearch.com

Irgendwie geht es hier 15,30 immer runter

Naja

Gestern war Investor day in new york

Noch nicht

Findet jemand schlechte News?

Zu wenig der Kurs kam nicht hoch 🤣

hab mir mal erstmal 1.000 Stück reingelegt. Ist eine schöne Wachstumsstory hier..bin jetzt rein bevor die halbe Welt darauf aufmerksam wird