1 Secret 🤐 AI Play No One Is Talking About
Plus, why we're not giving in to the current panic...
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Dean: 1 Secret 🤫 AI Play Disrupting Traditional Banking
It’s no secret that AI is going to be huge. Some estimate that this market will be valued around 1.5 trillion by 2030.
And there’s one secret 🤫 AI play that many aren’t talking about. I’m referring to banks harnessing the power of AI.
Banks use AI (sometimes called “machine language analysis” or “MLA”) to make decisions. And for good reason:
Insider Intelligence estimates that banks will save a whopping $447 billion by 2023 using AI!
If you’ve been following our Substack, you know that we believe AI will continue to increase companies’ efficiency while reducing cost.
And there’s one company doing just that while disrupting traditional banking…
1 Company Leveraging the Power of AI
LendingClub Corporation (NYSE: LC) diverged from the traditional banking model by assessing loans through MLA models, operating 100% online.
LC 0.00%↑ also utilizes AI technology for credit underwriting, fraud detection, and investment strategies.
This shift eliminates the large overhead of brick-and-mortar stores and a huge administrative force to process loans.
LC 0.00%↑ was beaten down during the bear market as sentiment shifted from growth stocks to blue chip companies. But if LC 0.00%↑ were to revisit its 52-week high, it would represent a gain of about 120% at the time of writing!
And the fundamentals of the company are still strong.
Strong 💪 Fundamentals
Now, the company’s Q4 year-over-year revenue was flat — LC 0.00%↑ cited lower sold loans due to the marketplace adapting to rising interest rates as the primary reason for its flat growth.
Despite rising interest rates reducing loans sold, LC 0.00%↑ managed to increase its net interest income from 32% to 51% ($83.1 million to $135.2 million).
Not to mention that 59% of its total net revenue is now recurring.
And to accelerate revenue in Q4, LC 0.00%↑ also acquired a seasoned loan portfolio worth $1.05 billion. To put that in perspective, this one portfolio alone is valued more than its current market cap of $861 million!
But it gets better . . . LC 0.00%↑ also has $1.1 billion in cash! That means that LC 0.00%↑ has 127% of its current market cap in cash alone!
This healthy amount of cash should be plenty to allow LC 0.00%↑ to continue to grow!
1 Opportunity Trading for a Bargain 💸
As the narrative shifts from inflation to deflation, Paul believes companies like LC 0.00%↑ have strong potential to thrive. After bringing in a total of $262 million in net revenue in 2022, LC 0.00%↑ is trading for just 3.3X sales.
In Paul’s view, that’s cheap!
Given the company’s disruptive technology and business model, the fact that it has more in cash than its market cap, and AI stocks being in demand, we’ll continue to hold LC 0.00%↑ in our Gold Tier model portfolio.
But if you want in-depth coverage and trade alerts for disruptive stocks with big potential across sectors, consider subscribing for as little as $9.99 by clicking here!
Just this week, Paul released a video on tech trends — like AI — and his top stocks to profit from them with.
It’s packed with great information. So, if you haven’t already, be sure to watch it by clicking on the image above! 👆
#GBC100: Friday, March 10, 2023
The #GBC100 is down 3.65% today and up 8.25% year to date in 2023.
There’s a panic taking shape in the market among bank and financial stocks.
We faced some of this with our big loss in SI 0.00%↑ Silvergate Capital Corporation.
However, there’s a big and familiar issue unfolding for legacy banking and financial companies. As I lay out below, this issue is basic to these companies:
This “mismatch” in liabilities versus assets caused the shutdown of a large bank, SIVB 0.00%↑ SVB Financial Group.
SIVB 0.00%↑ is the second-largest bank failure in U.S. history. So, this is a big deal. And there’s concern that the mismatch will take down other financial companies.
The Fed has caused this problem by the speed with which it’s chosen to raise interest rates. And now, it’ll have to stop its rate increases and then reverse course.
I expect some investors to look to Bitcoin and crypto as insurance against the trouble in the legacy finance world. So, this is going to be positive for our crypto investments.
Then, as rates start declining, we’ll see investors flood into growth stocks because there are very few other things that they can invest in that provide growth.
Bottom line, it feels a bit scary right now … but things are setting up for a big reversal that favors our investments.
I am very #BOP for what’s going to unfold for us in 2023! 🚀
Unsurprisingly, there aren’t a lot of stocks being bid or marked up today.
Next Week: We’ll start off with the latest from Paul. 👏 Stay tuned!
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On Friday, March 10, 2023, we hope you have a wonderful weekend!
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Thank you for keeping us up to date. It’s always good to know and understand to move forward.
Always invaluable updates..........Thank You!!!