Finimize - 👴🏻 Zoom gets old fast

You're not the only one sick of Zoom | The ECB puts its fingers in its ears |

Hi Reader, here's what you need to know for September 1st in 3:08 minutes.

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Today's big stories

  1. Zoom reported better-than-expected earnings, but slowing sales growth sent its shares lower
  2. Our analyst might have hit upon the next big opportunity in crypto – Read Now
  3. Fresh data out on Tuesday showed eurozone inflation surging to a decade high

OK, Zoomer

OK, Zoomer

What’s Going On Here?

Zoom reported better-than-expected earnings earlier this week, but investors seem to think last year’s most hip-happening communications platform is already a relic of the past.

What Does This Mean?

Now that kids and adults alike are getting back to school and offices, investors are worried that Zoom’s once-strong growth is already starting to dry up. And while the company’s revenue did grow 54% last quarter compared to the same time last year, that was a serious slowdown from the 191% growth of the quarter before. That deceleration looks set to continue, with Zoom forecasting just 31% growth this quarter. It makes sense, then, that the company is buying firms that specialize in other areas. It announced its first major target last month: Five9, a cloud software provider that helps other companies run their online customer support operations – the sort of business that’ll boom even when the world fully opens up again.

Why Should I Care?

For markets: Investors are hard won, easily lost.
Zoom sits alongside Netflix and Peloton as one of the stocks that benefited most from the pandemic. But just like Netflix and Peloton, investors have been quick to dump Zoom’s stock now those gains have started to vanish: they sent its shares down more than 15% on Tuesday, meaning its stock is now worth less than it was at the start of the year (tweet this). That’s a pretty dramatic reversal of fortunes considering its value almost quintupled in 2020…

Zooming out:
Robinhood has an existential crisis.
At least Zoom’s entire business model isn’t at risk, which can’t be said for another pandemic winner: commission-free trading platform Robinhood makes the bulk of its revenue selling its customers’ orders to market makers in what’s known as “payment for order flow”. But the head of a US stock market regulator said this week that she wouldn’t rule out an outright ban on the practice – a threat that saw Robinhood’s shares tank 7%.

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🙋 Ask a question

2. Analyst Take

Is Chainlink The Next Big Opportunity In Crypto?

What’s Going On Here?

Decentralized finance – or DeFi – has a potentially unlimited number of uses, and demand for products in the space is skyrocketing.

But one of those products could be more essential than the rest for its future growth: Chainlink.

Chainlink is a decentralized oracle network, meaning it allows smart contracts on the blockchain to interact with “off-chain” data – interest rates, say.

And it’s not just any decentralized oracle network: Chainlink is already used in AAVE and plenty of other high-profile DeFi projects, and it’s built partnerships with the likes of Google, SWIFT, and Binance.

So that’s today’s Insight: why Chainlink might be the next big crypto play, and how to invest if you think it is.

Read or listen to the Insight here

SPONSORED BY THE MOTLEY FOOL

Motley Fool’s “all in” buy signal

It’s not often you’ll hear a Motley Fool Stock Advisor “all in” buy signal.

But every so often, its team comes across a stock so good they think it’s worth doubling down on. Now happens to be one of those times.

Because there’s a tiny internet company showing this buy signal that sits in the middle of the advertising market – a market that’s 10 times bigger than the online streaming industry.

And its CEO is putting his money where his mouth is: he’s bought over $2.3 billion of stock. That’s his entire fortune, bet on what he’s calling cable TV’s “ticking time bomb”.

Head over to Motley Fool, and find out which stock its team is so excited about.

Get The Stock

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Ign-EU-rance Is Bliss

Ign-EU-rance Is Bliss

What’s Going On Here?

Fresh data out on Tuesday showed eurozone inflation hit its highest in a decade in August, but the European Central Bank (ECB) maintains there’s absolutely nothing to see here.

What Does This Mean?

The prices of goods and services in Europe’s 19 euro-spending countries climbed by a higher-than-expected 3% last month compared to a year before. That was the biggest jump since 2011, and a notable bump from the 2.2% of the month before. The usual suspects were to blame: rising energy prices and a strong rebounding economy that’s increasing demand for just about everything, all while suppliers struggle to keep up. Throw in a boost in demand in Germany following a temporary tax cut in the second half of last year, and it’s no surprise prices are ticking up so fast.

Why Should I Care?

The bigger picture: Get with the times, ECB.
This is the second time inflation has overshot the ECB’s new target of 2% this year, but you wouldn’t know it: the central bank is still insisting that a spike in prices is a temporary consequence of the pandemic, and it’s sticking to its current policies of ultra-low interest rates and substantial monthly bond purchases. That, even as the US Federal Reserve hinted last week that it’ll be tapering its bond-buying program before the end of the year.

For markets: Are you sitting comfortably?
If the ECB does start slowing down its bond-buying program earlier than expected, it’ll remove a major source of demand for European bonds, driving down their prices and pushing up their yields. It could have a knock-on effect on the stock market too, with investors tempted to rotate out of stocks and into bonds with now-more-attractive returns. And considering an index of major European stocks has just posted its longest winning streak since 2013, there could be a long way to tumble if they do…

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🙋 Ask a question

💬 Quote of the day

“Be wise with speed. A fool at forty is a fool indeed.”

– Edward Young (an English poet, critic, philosopher, and theologian)
Tweet this

SPONSORED BY MINTED

An oldy but a goody

Gold is a classic investment, and it’s a classic for very good reason.

This “safe haven” investment has protected investors’ money from stock market crashes time after time. And given how high stocks are right now, it could be about to do it again.

But with the Minted app, you can buy, sell, and save physical gold with a tap.

Just make a one-off purchase using your credit card, debit card, or other ewallet options, or set up a savings plan from just £30 a month.

And once you’ve saved enough for a gold bar, you’ll be able to withdraw or sell your physical gold. Simple as that.

It only takes a couple minutes to set up an account: get started here.

Get Minted

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🎯 On Our Radar

  1. Only the best for your money. Albert has all your mobile banking needs covered — including advice from real finance experts.*
  2. The price of healthcare in America: revealed. If you read one thing today, read this.
  3. ​​Is your name ruining your life? Names can easily close doors.
  4. Summer 2021 didn’t work out. What a hot vax disappointment.
  5. Brush all you want. There’s no escaping cavities.

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