Mario Ma
16 Articles
With over five years of experience in finance, he specializes in financial analysis, investment strategy, and market research. His expertise spans macroeconomic analysis, industry research, and equity analysis, providing clients with actionable insights and investment advice.
He holds a Master of Science in Accountancy from Hong Kong Polytechnic University and a Bachelor of Business Administration in Accounting from Hong Kong Baptist University. He passed CFA Level III and FRM Level I.
Written by Mario Ma
Reviewed by Mario Ma
First Quarter 2025 Banking Industry Earnings Comments
The Trump administration’s tariff policies may exacerbate trade tensions, raising import costs and indirectly fueling inflation pressures. This uncertainty could slow global economic growth and even heighten recession risks.
Wed, Apr 16
[IN-DEPTH ANALYSIS] Block: Value Trap or Investment Opportunity?
TradingKey - Block is a leading global financial technology company. GPV growth slowed to 10% due to U.S. market saturation (6.9% growth in Q4 2024) and competition from Clover and Toast; international markets and lending (22% of gross profit) offset declines. Growth stalled with monthly active...
Tue, Apr 8
[IN-DEPTH ANALYSIS] Affirm: Will the End of Partnership with Walmart Impact Its Fundamentals?
With a 27% profit margin, $22.6B liquidity, and expected profitability by Q4 2025, Affirm is solid, though Walmart’s exit and competition impact its target price at $43/share.
Mon, Mar 24
[IN-DEPTH ANALYSIS] PayPal's Stagnant Stock: Is $97 the Breakout Price for 2025?
TradingKey - PayPal is a leading digital payment platform that acts as an intermediary in the payment process, connecting merchants and consumers. Trusted brand with 434M users, 90M on Venmo, driving $1.68T TPV with strong cross-border reach.Boosted by e-commerce, mobile payments, emerging markets,
Tue, Mar 18
[IN-DEPTH ANALYSIS] From Cash to Cards: Can Visa Keep Winning the Digital Payments Race
Faces consumer spending slowdown, regulatory pressures (e.g., UnionPay), BNPL/mobile payment competition, forex volatility, and Trump-led de-globalization risks.
Tue, Mar 18
[IN-DEPTH ANALYSIS] Goldman Sachs: Why It's Time to Reconsider Valuation
With expectations of deregulation and continued growth in M&A and alternative assets, Goldman Sachs' valuation appears overly pessimistic, with a target price of $608 for 2025 based on a forward PEG of 0.85.With expectations of deregulation and continued growth in M&A and alternative assets, Goldman
Mon, Mar 10
Costco's Earnings Slightly Miss Expectations, but Future Growth Potential Remains Strong!
Costco's impressive growth in sales and operating income highlights its strong performance, though it slightly missed analyst expectations. With a loyal customer base and booming e-commerce, the company is well-positioned despite external challenges.
Fri, Mar 7
[IN-DEPTH ANALYSIS] From Investment Banking to Wealth Management: How Morgan Stanley is Shaping the Future of Finance
In 2024, Morgan Stanley posted impressive growth, with net revenue of $61.76 billion and a remarkable 53% growth in EPS. Their EBIT surged by 49%, demonstrating robust profit generation. While it expects a reasonable target price of $151.85, the company’s high valuation may be influenced by market..
Mon, Mar 3
Home Depot Q4 Performance Soars! Revenue and Profit Both Exceed Expectations!
Home Depot (NYSE: HD) reported stunning Q4 results, with both revenue and profits exceeding expectations. Sales are projected to soar by 2.8% in the fiscal year 2025!
Wed, Feb 26
Zoom Q4 Revenue Mediocre, But Profit Surprises! AI Strategic Transformation Unleashes Unlimited Potential!
Zoom's revenue performance for the fourth quarter was mediocre, but its profits exceeded expectations, and its AI-focused strategy is set to unlock significant potential!
Tue, Feb 25
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