Bank of America and the Uncertain Future of Consumer Banking

The uncertain future of Bank of America (NYSE: BAC) is threatened by the changing nature of consumer banking. The biggest

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A Low-Cost Hyperloop Stock: AECOM

There is a way an average person can invest in Hyperloop without putting hard-earned money into risky propositions like the

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Have Revenues Peaked at Ford?

Ford might be a better stock than Apple for a number of reasons. First there is the price Apple was trading at $135.72 a share on February 17, 2016, Ford was trading at $12.58 a share on the same day.

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United Postal Service and the Value in Delivery

The greatest of these threats is the growing trend of retailers handling their own delivery. Both Amazon (NASDAQ: AMZN) and Walmart (NYSE: WMT) have been experimenting with same day delivery. Walmart has even tested a service that uses Uber and Lyft drivers to make online deliveries from a local store.

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The Value in Payments at Capital One

More importantly Capital One is an open-sourced payment solution that pays a dividend. Its investors received a payout of 40¢ on February 9. They also took home a return on equity of 7.85% on December 31, 2016.

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Visa is now a Widows and Orphans Stock

Visa (NYSE: V) is not only the largest payment processor around, it has also become a “widows and orphans stock.”

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Has Apple Turned Around?

Among other things; that indicates Apple’s business model and income might not be sustainable on a long-term basis. Some major changes to the company such as new products might be needed for long term growth. That justifies experiments like Apple Pay and the Apple car project.

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PayPal keeps growing like Crazy

Those revenue figures demonstrate that PayPal is capable of sustained organic growth. They also show us that its business is capable of long term growth. What’s more impressive is that revenue growth is occurring without Amazon’s (NASDAQ: AMZN) help.

Most people know that you cannot use PayPal on Amazon, but Dan Schulman has been trying to change that. The PayPal CEO told Bloomberg Technology he is in conversations with Amazon but would not reveal details.

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eBay is Still a Better Investment than Amazon

There is also one very ugly number in eBay’s financials and that’s cash from operations. Over the course of 2016 the amount of cash flowing through eBay’s till fell by $1.207 billion, and that occurred in eBay’s first year without PayPal.

eBay reported $4.033 in cash from operations at the end of fourth quarter 2015, and $2.826 billion in cash from operations on December 31, 2016. This is worrisome because all the additional revenue growth does not seem to be translating into additional cash.

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Should we be Worried about American Express

American Express also some very bright prospects for the future. One is the growing use of payment apps such as Apple Pay and Android Pay; which Amex supports. That might grow the value of credit card payments and profits from them.

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