随着利率飙升并下降，许多金融股在过去几年中遭受了野外的波动

Robinhood成立于2013年，它吸引了许多年轻的投资者，其无佣金交易，简化移动应用程序以及游戏化的投资方法。

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.

近年来，随着利率飙升并下降，金融股票经历了狂野的波动。利率上升通常会阻止经济增长，并使许多投资者远离股票，加密货币和其他风险更高的投资。尽管较高的利率可以帮助银行和其他贷方收取更大的利息支付，但它们也阻止个人和企业获得新贷款。

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，从长远来看，随着新投资者进入市场，更多的不银个人签署银行服务，许多金融股应继续上升。让我们看一下今天值得购买的三种股票，并以3,000美元的投资永远持有持有量：Robinhood Markets（Nasdaq：Hood），NU Holdings（NYSE：NU）和Coinbase Global（NASDAQ：COIN）。

Image source: Getty Images.

图像来源：盖蒂图像。

The disruptive brokerage: Robinhood

破坏性经纪：罗比尼

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成立于2013年，它吸引了许多年轻的投资者，其无佣金交易，简化移动应用程序以及游戏化的投资方法。从2021年到2024年，其年终资金账户数量从2270万增加到2520万，其托管资产几乎翻了一番，从980亿美元增加了一倍增加到1930亿美元，其年收入从18.2亿美元增至29.5亿美元。它将其交易出售给高频交易（HFT）公司，以补贴其自由交易。

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年经历了重大增长，当时Meme Stock Mania吸引了数百万个新投资者。但是，随着通货膨胀和利率上升损害了许多投机性投资，其业务在2022年和2023年变得冷静下来。

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，随着利率下降，Robinhood恢复了，投资者再次向风险更高的增长股票和加密货币旋转，并将其生态系统扩大到包括现金卡，基于订阅的金层以及更广泛的数字支付服务。

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.

从2024年到2027年，分析师预计其收入将以复合年增长率（CAGR）的15％增长，因为其调整后的收益在利息，税收，折旧和摊销（EBITDA）以19％的复合年增长率增加。企业价值为573亿美元，今年调整后的EBITDA的32倍似乎并不昂贵 - 这应该是可靠的长期投资。

The digital bank: Nu Holdings

数字银行：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，墨西哥和哥伦比亚运营，拥有拉丁美洲的顶级在线银行。从2021年到2024年，其年终客户的数量从3330万增加到了1.142亿，而其活动率（其活跃客户作为总客户的比例）从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，其收入增长了89％。它在2023年也变成了盈利，其净收入在2024年飙升了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.

作为一家仅数字银行，NU的扩展速度比其实体竞争对手快得多，同时锁定了越来越多的支票，信用卡，贷款，保险，投资，加密货币，电子商务和面向商业服务的客户。它还通过更多的人工智能（AI）驱动的分析工具，聊天机器人和网络安全服务来增强其生态系统。

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.

根据Global Findex的说法，超过四分之一的拉丁美洲人口仍然没有银行账户，这给NU带来了足够的扩展空间。从2024年到2027年，分析师预计其收入将以32％的复合年增长率上升，因为其净收入的增长率为38％。这些是今年收益仅27倍的股票的出色增长率。

The crypto exchange: Coinbase

加密交易所：二线

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货币交易所之一。它从交易费用中产生了大部分收入，因此，由于利率上升的价格上涨，并释放了新的“加密冬季”，因此在2022年经历了严重的放缓。但是，即使在经济低迷之后，其平台上的年终资产仍然从2021年的2780亿美元增加到2024年的4.04亿美元。许多增长是由于第一批使用比特币交易所交易基金（ETF）的批准所驱动的，该基金（ETF）将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的年收入从2021年的78亿美元下降到2024年的66亿美元，但分析师预计它将以6.5％的复合年增长率增长到2027年的79亿美元