隨著利率飆升並下降，許多金融股在過去幾年中遭受了野外的波動

Robinhood成立於2013年，它吸引了許多年輕的投資者，其無佣金交易，簡化移動應用程序以及遊戲化的投資方法。

Financial stocks have experienced wild swings in recent years as interest rates spiked and fell. Rising rates typically deter economic growth and drive many investors away from stocks, cryptocurrencies, and other riskier investments. While higher rates help banks and other lenders collect larger interest payments, they also discourage individuals and businesses from taking out new loans.

近年來，隨著利率飆升並下降，金融股票經歷了狂野的波動。利率上升通常會阻止經濟增長，並使許多投資者遠離股票，加密貨幣和其他風險更高的投資。儘管較高的利率可以幫助銀行和其他貸方收取更大的利息支付，但它們也阻止個人和企業獲得新貸款。

However, over the long term, many financial stocks should continue to rise as new investors enter the market and more unbanked individuals sign up for banking services. Let's take a look at three of those stocks that are worth buying today and holding forever with a modest $3,000 investment: Robinhood Markets (NASDAQ:HOOD), Nu Holdings (NYSE:NU), and Coinbase Global (NASDAQ:COIN).

但是，從長遠來看，隨著新投資者進入市場，更多的不銀個人簽署銀行服務，許多金融股應繼續上升。讓我們看一下今天值得購買的三種股票，並以3,000美元的投資永遠持有持有量：Robinhood Markets（Nasdaq：Hood），NU Holdings（NYSE：NU）和Coinbase Global（NASDAQ：COIN）。

Image source: Getty Images.

圖像來源：蓋蒂圖像。

The disruptive brokerage: Robinhood

破壞性經紀：羅比尼

Robinhood, which was founded in 2013, attracted a lot of younger investors with its commission-free trades, streamlined mobile app, and gamified approach to investing. From 2021 to 2024, its number of year-end funded accounts rose from 22.7 million to 25.2 million, its assets under custody nearly doubled from $98 billion to $193 billion, and its annual revenue rose from $1.82 billion to $2.95 billion. It sells its trades to high-frequency trading (HFT) firms to subsidize its free trades.

Robinhood成立於2013年，它吸引了許多年輕的投資者，其無佣金交易，簡化移動應用程序以及遊戲化的投資方法。從2021年到2024年，其年終資金賬戶數量從2270萬增加到2520萬，其託管資產幾乎翻了一番，從980億美元增加了一倍增加到1930億美元，其年收入從18.2億美元增至29.5億美元。它將其交易出售給高頻交易（HFT）公司，以補貼其自由交易。

Robinhood experienced a major growth spurt in 2020 and 2021 when the meme stock mania drew in millions of new investors. But its business cooled off in 2022 and 2023 as inflation and rising interest rates crushed many of those speculative investments.

Robinhood在2020年和2021年經歷了重大增長，當時Meme Stock Mania吸引了數百萬個新投資者。但是，隨著通貨膨脹和利率上升損害了許多投機性投資，其業務在2022年和2023年變得冷靜下來。

But in 2024, Robinhood recovered as interest rates declined, investors rotated toward riskier growth stocks and cryptocurrencies again, and it expanded its ecosystem to include its Cash Card, subscription-based Gold tier, and a broader range of digital payment services.

但是在2024年，隨著利率下降，Robinhood恢復了，投資者再次向風險更高的增長股票和加密貨幣旋轉，並將其生態系統擴大到包括現金卡，基於訂閱的金層以及更廣泛的數字支付服務。

From 2024 to 2027, analysts expect its revenue to increase at a compound annual growth rate (CAGR) of 15% as its adjusted earnings before interest, taxes, depreciation, and amortization (EBITDA) increases at a CAGR of 19%. With an enterprise value of $57.3 billion, it still doesn't look too expensive at 32 times this year's adjusted EBITDA -- and it should be a reliable long-term investment.

從2024年到2027年，分析師預計其收入將以復合年增長率（CAGR）的15％增長，因為其調整後的收益在利息，稅收，折舊和攤銷（EBITDA）以19％的複合年增長率增加。企業價值為573億美元，今年調整後的EBITDA的32倍似乎並不昂貴 - 這應該是可靠的長期投資。

The digital bank: Nu Holdings

數字銀行：NU Holdings

Nu, which operates in Brazil, Mexico, and Colombia, owns the top online bank in Latin America. From 2021 to 2024, its number of year-end customers more than tripled from 33.3 million to 114.2 million, while its activity rate (its active customers as a ratio of its total customers) rose from 76% to 83%.

NU在巴西，墨西哥和哥倫比亞運營，擁有拉丁美洲的頂級在線銀行。從2021年到2024年，其年終客戶的數量從3330萬增加到了1.142億，而其活動率（其活躍客戶作為總客戶的比例）從76％上升到83％。

During those three years, its revenue grew at a CAGR of 89%. It also turned profitable in 2023 and its net income surged 91% in 2024.

在那三年中，其收入增長了89％。它在2023年也變成了盈利，其淨收入在2024年飆升了91％。

As a digital-only bank, Nu expanded much faster than its brick-and-mortar competitors while locking in its customers with an increasing number of checking, credit card, lending, insurance, investment, cryptocurrency, e-commerce, and business-oriented services. It's also strengthening its ecosystem with more artificial intelligence (AI)-driven analytics tools, chatbots, and cybersecurity services.

作為一家僅數字銀行，NU的擴展速度比其實體競爭對手快得多，同時鎖定了越來越多的支票，信用卡，貸款，保險，投資，加密貨幣，電子商務和麵向商業服務的客戶。它還通過更多的人工智能（AI）驅動的分析工具，聊天機器人和網絡安全服務來增強其生態系統。

More than a quarter of Latin America's population remains unbanked, according to Global Findex, which leaves Nu plenty of room to expand. From 2024 to 2027, analysts expect its revenue to rise at a CAGR of 32% as its net income increases at a CAGR of 38%. Those are stellar growth rates for a stock that trades at just 27 times this year's earnings.

根據Global Findex的說法，超過四分之一的拉丁美洲人口仍然沒有銀行賬戶，這給NU帶來了足夠的擴展空間。從2024年到2027年，分析師預計其收入將以32％的複合年增長率上升，因為其淨收入的增長率為38％。這些是今年收益僅27倍的股票的出色增長率。

The crypto exchange: Coinbase

加密交易所：二線

Coinbase is one of the world's largest cryptocurrency exchanges. It generates most of its revenue from its trading fees, so it experienced a severe slowdown in 2022 as rising rates chilled the market and unleashed a new "crypto winter." But even after riding out that downturn, its year-end assets on platform still increased from $278 billion in 2021 to $404 billion in 2024. A lot of that growth was driven by the approval of the first Bitcoin exchange-traded funds (ETFs), which used Coinbase as their primary custodian.

Coinbase是世界上最大的加密貨幣交易所之一。它從交易費用中產生了大部分收入，因此，由於利率上升的價格上漲，並釋放了新的“加密冬季”，因此在2022年經歷了嚴重的放緩。但是，即使在經濟低迷之後，其平台上的年終資產仍然從2021年的2780億美元增加到2024年的4.04億美元。許多增長是由於第一批使用比特幣交易所交易基金（ETF）的批准所驅動的，該基金（ETF）將Coinbase用作主要的耐候性。

Coinbase's annual revenue still fell from $7.8 billion in 2021 to $6.6 billion in 2024, but analysts expect it to grow at a CAGR of 6.5% to $7.9 billion in 2027

Coinbase的年收入從2021年的78億美元下降到2024年的66億美元，但分析師預計它將以6.5％的複合年增長率增長到2027年的79億美元