Stripe Stock: 3 Ways to Investest in Fintech Payments

Stripe is worth nearly $100 Billion. But it has no stock symbol & is not on the stock market. Here are 3 ways you can profit from Stripe

Stripe stock is currently unavailable on any public stock exchange as it remains a privately held company under the control of its founders, the Collison brothers. However, it does have notable investors, including venture capital firms Andreessen Horowitz and Sequoia Capital.

Stripe Stock: 3 Ways to Profit From Stripe Payments
Stripe Stock: 3 Ways to Profit From Stripe Payments

Stripe Stock

Stripe stock cannot be purchased on any stock exchange because it is not a publicly listed company. Stripe is a private company under the control of its founders, the Collison brothers. Stripe does have investors; it is partially owned by venture capital companies Andreessen Horowitz and Sequoia Capital.

Stripe Stock Symbol

There is no Stripe stock symbol because it is privately held and not a publicly listed company on a stock exchange. When Stripe eventually goes through the initial public offering (IPO), a stock ticker will be allocated to begin trading on an exchange.

Stripe Stock Price

The price of a share of Stripe is not information available in the public domain. The price of a Stripe stock is reassessed during each round of venture capital financing based on the current and future revenues and expected profitability.

During a future IPO, expected in 2024, the stock price and the number of shares available will be determined.

Bloomberg claims Stripe will have a valuation of $70 billion to $100 billion in its next round of venture capital funding; this is up from the $36 billion valuation in October 2020.


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What is Stripe?

Stripe is an Irish-American financial company founded by John and Patrick Collison. Stripe specializes in providing payment processing software and infrastructure for internet companies.

The phenomenal growth in the adoption of Stripe payments over the last five years means it is a hot property and the next tech unicorn. Investors are interested in Stripe because it processes hundreds of billions of dollars worth of transactions annually.

Stripe makes money by charging a 2% to 3% fee on each transaction and is often a more cost-effective and powerful alternative to other mainstream payment providers.

Stripe’s products include Application Programming Interfaces (APIs) that companies build into websites. The Stripe APIs process the company’s payments and serve as a gateway to Stripe’s payments infrastructure.

Stripe products are popular because they can use brick-and-mortar stores, online portals, subscription businesses, software platforms, and digital marketplaces. For instance, they can install Stripe APIs in gaming platforms, e-commerce platforms, websites, and apps. Retailers can install Stripe APIs in physical point-of-sale (POS) devices such as cash registers and vending machines.

Stripe uses state-of-the-art technology, including machine learning, to make payment processing fast, seamless, and reliable. For example, Stripe could use machine learning to teach its algorithms how to spot fraud and collect sales taxes.

Stripe claims its platforms operate in over 100 countries and can accept payment in over 135 currencies and other methods. Stripe claims that over 90% of adults have purchased from businesses that use its technology.

Stripe also claims that its APIs process over 250 million daily requests and up to 13,000 requests a second. That means a Stripe API can process hundreds or thousands at once without crashing. In other words, Stripe is scalable, which means it can service enormous customers like Amazon.

Will There Be A Stripe IPO?

Co-founders and brothers John and Patrick Collison told employees in January 2023 that they would set a goal of publicizing the company in the next 12 months.

American hedge fund billionaire Bill Ackman claims he had preliminary discussions with Stripe about an IPO in September 2020. Ackman wanted Stripe to go public in partnership with his Pershing Square Tontine special acquisition company (SPAC).

Ackman claims Pershing Square Tontine has $5 billion to invest in companies like Stripe. Ackman hopes the SPAC will give him a large ownership stake in Stripe. There is no evidence Stripe’s management listened to Ackman’s proposal.

3 Alternative Investments to Stripe

Many people are eager for a Stripe IPO because other payment processors, including PayPal (PYPL), Square (SQ), and Visa (V), make enormous amounts of money. Unlike Stripe, those companies are publicly traded.

You cannot buy Stripe stock today, but you can invest in three extremely profitable businesses.

1. Block Inc.

Block Inc., formerly known as Square (Ticker: SQ), is the American payment processing company led by Twitter (TWTR) founder Jack Dorsey.

Square is best known for the card-reading devices many business people in the United States use. Square’s solutions allow merchants to accept credit card payments through phones and other wireless devices.

Stock Chart: Block Inc (Ticker: SQ)
Stock Chart: Block Inc (Ticker: SQ)

See the Chart & Financials on TradingView

Square also offers point-of-sale (POS) devices, allowing merchants to accept credit card and mobile payments. Square claims merchants can accept “any kind of payment” with its terminal.

Square is behind the Cash App, a popular mobile payments app that functions as a money-transfer solution. The Cash App is popular because it allows people to buy fractional amounts of stock and Bitcoin (BTC).

Demonstrated considerable financial performance in the year 2022. Despite some challenges, the company managed to generate significant revenue through its various business units

The revenue of Square Inc. was segmented into several categories, including Bitcoin, Hardware, Subscription and Services-based, and Transaction-based. The company’s Cash App was a major revenue generator, while the Square segment contributed most of the gross profits.

Block, Inc. encompasses several foundational teams such as Counsel, Finance, People, Square, Cash App, Spiral, TIDAL, and TBD. These units guide at the corporate level and play a crucial role in the company’s overall profitability.

Despite facing some challenges in 2022, Square Inc. managed to navigate through the year with substantial revenue generation from its diverse business units. With most gross profits from the Square segment and Cash App, the company continues demonstrating robust financial performance.

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2. PayPal Holdings

PayPal (PYPL) is the oldest and best-known name in online finance. A team of entrepreneurs, including Elon Musk and Peter Thiel, founded PayPal in 1998.

Stock Chart: Paypal Holdings Inc. (Ticker:PYPL)
Stock Chart: Paypal Holdings Inc. (Ticker: PYPL)

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PayPal offers one of the most popular digital wallets in the United States. Musk and Thiel are long gone from the company, but PayPal is the leading US online fintech company. PayPal’s popular digital wallet is one of the fastest-growing Fintech apps.

Like Square, PayPal offers popular financial products, including POS terminals and wireless card readers. PayPal is also a lender that offers credit lines (Working Capital) and small business loans to its account holders.

PayPal’s most valuable assets could be its subsidiaries. The most valuable PayPal subsidiarity could be the peer-to-peer (P2P) payment app Venmo. Venmo is one of the most popular money transfer apps on the market.

PayPal is trying to make Venmo into a commercial payment app, and over two million US merchants are estimated to accept Venmo.

PayPal got Venmo when it bought the payment processor Braintree Holdings in 2013. Braintree offers a platform that accepts PayPal, Venmo, credit card, debit card, Apple Pay, and Google Pay payments. Merchants access that platform through an API.

Other PayPal subsidiaries include PayPal Credit, the money transfer service Xoom, and the cloud-based financial services provider Paydiant.

PayPal Holdings Inc. had a strong financial performance in 2022, with revenues reaching the high end of their guidance. Despite some challenges, the company managed to optimize its cost structure while continuing to invest.

A key performance indicator for PayPal is the TPV, which reached $376.5 billion in Q2 2023, showing a growth of 11%. This indicates the total value of transactions facilitated by PayPal’s payment platform. PayPal’s net revenues were higher than the previous year, reaching $7,287 million, which exceeded expectations. The company reported adjusted earnings of 93 cents per share.

Although PayPal’s stock performance faced several challenges in 2022, its ability to optimize its cost structure and continue investing suggests potential for future growth. PayPal also made strategic investments in fintech, payments, and other areas that will provide future growth opportunities. With strong financial results for the second quarter of 2023, PayPal investors remain optimistic about its long-term outlook.

3. Visa

Visa (V) operates the world’s largest payment platform, with over 2.5 billion Visa debit cards worldwide; one out of three credit cards worldwide is a Visa card.

Stock Chart: Visa Inc. (Ticker: V)
Stock Chart: Visa Inc. (Ticker: V)

See the Chart & Financials on TradingView

Visa makes money by providing fintech services to customers in over 200 countries and territories. Those services include credit cards, debit cards, prepaid cards, gift cards, payment platforms, and mobile payments.

Visa does not issue credit and debit cards. Instead, financial institutions and companies issue cards with a Visa brand name. Visa-branded cards offer users access to Visa’s payment processing network.

Visa Inc. had a strong financial performance in 2022, with net revenues increasing to $24.1 billion from $21.8 billion the previous year. Despite higher operating expenses of $8.3 billion, up from $7.8 billion, net income grew to $12.3 billion from $10.9 billion.

In the second quarter of 2023, Visa’s total payment volume totaled $2.7 trillion, a 15% year-over-year increase. Its net revenue reached $5.9 billion, while its earnings per share of $1.60 beat Wall Street expectations by 8%. Visa also declared a quarterly dividend of 25 cents per share for the third quarter of 2023.

Visa is well-positioned to benefit from the growth of digital payments and continues to invest in new technologies like tokenization and contactless payments. It has also announced partnerships with major companies such as Apple and Google for mobile payment solutions. As more consumers use Visa-branded cards, its merchant base will grow, increasing transaction volumes and revenue.

Visa’s services, such as data processing and cross-border transactions, drove profitability, contributing significantly to revenues. The company’s class A common stock also positively impacted its financial health.

In Q4, Visa announced strong results, with revenue, net income, and EPS growing at 24% or higher. Despite operating challenges, Visa maintained profitability and growth, with its business units performing well, supporting its leadership position in the financial services sector.

The dividend makes Visa the best financial technology stock available today. Visa shows payment processors such as Stripe could become value investments or excellent stocks if their products become as popular and pervasive as Visa’s.

Investors must watch companies like Stripe, Square, Visa, and PayPal because they could disrupt the payments industry beyond recognition.

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