The financial services sector is in the middle of a massive, overwhelmingly-positive transformation, with changes so impactful that they resonate on a historic level. Is it driving force? Financial technology, also known as fintech. Companies are increasingly using technology to deliver new-look financial services – banking apps, peer-to-peer lending, crowdfunding, and blockchain-based cryptocurrencies – that are bypassing traditional infrastructure and reshaping the financial sector in major ways. Global fintech investment has continued its steady, upwards trajectory over the past half-decade, signaling future prosperity to come. So why is the fintech revolution happening now? And is it here to stay?
Lessons from 2007-2008
2007-2008’s devastating financial crisis caught traditional companies by surprise. New regulations imposed after the dust settled meant energy and resources were spent adapting to sanctions and updating existing structures to fit the new landscape. Innovation was an afterthought as companies worked to bring themselves up to speed. New technologies were left behind.
At the same time, technology and software were influencing previously-unseen changes in new sectors – Uber and Lyft with taxis, Airbnb with hotels, Tesla with the first mass produced, luxurious electric vehicle. In each instance, deeply-entrenched institutions were disrupted by technology. Today and moving ahead, fintech firms are poised to take advantage of the lull brought on by the Great Recession to do the same, but this time with banks and financial services companies.
What Changes are We Seeing?
The modern age is about convenience. Clients want personal service, instant access, simplicity, and transparency; the internet, phones, and computers make these things possible for larger amounts of people than ever before. These tools also mean previously-neglected people are no longer denied access to financial services simply because they live in remote areas or are victim of entrenched biases by traditional financial firms.
Fintech is also providing financial advice and education for groups who were formerly underserved – traditional advisory firms are increasingly the province of the wealthy. Now investors just starting out can receive the full benefit of financial advice, via robo-advisors. Algorithms can help an investor diversify a portfolio and rebalance as it grows.
The benefits even extend to businesses; fintech helps companies cut costs, comply with regulations, and improve the client experience, building trust with their customers. From creating online portals where a client can manage their portfolios and even chat with representatives when the need for help arises, to transferring money to family and friends easily through apps – managing financial lives is being made easier by the day with technology.
Rapid growth brings unique challenges. Fintech companies need to learn how to anticipate and address the same shifting compliance targets that precipitated their rise in the first place – or risk the same fate. But even as they work to stay ahead of the curb, fintech is creating a world where more people than ever have access to financial services. The benefits are here, and they cannot be denied.
At its heart, Tickeron is part of the fintech revolution. It has build algorithms that can help investors build diversified portfolios, and it gives retail investors access to Artificial Intelligence to navigate the markets by finding patterns and trends. It is giving sophisticated tools to everyday investors, which is the essence of the fintech revolution. Learn more about the investment tools Tickeron has to offer on tickeron.com.
Sergey Savastiouk, Ph.D. has a degree in Applied Mathematics from Moscow University and has extensive experience as an entrepreneur, investor, manager, and mathematician. His professional expertise is in applied mathematics, mathematical modeling, system and pattern analysis, and software and hardware system integration. He has served as the CEO of several hi-tech start-up companies and nonprofit organizations, which has given him proven capabilities in business strategy for high-tech start-up companies, market assessment, company formation, team building, product development, marketing, and sales. He has published numerous articles in journals and magazines on related fields. As a retail investor, he spent 15 years developing his proprietary trading and quantitative algorithms (now Tickeron’s A.I.), which brought him significant returns in trading the stock market. His current work and goal in founding Tickeron is to bring professional, sophisticated stock market analysis capabilities to retail investors via an easy-to-use interface.
The RSI Indicator for TSLA moved out of oversold territory on August 03, 2026. This could be a sign that the stock is shifting from a downward trend to an upward trend. Traders may want to buy the stock or call options. The A.I.dvisor looked at 27 similar instances when the indicator left oversold territory. In of the 27 cases the stock moved higher. This puts the odds of a move higher at .
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The Tickeron PE Growth Rating for this company is (best 1 - 100 worst), pointing to outstanding earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Price Growth Rating for this company is (best 1 - 100 worst), indicating steady price growth. TSLA’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Profit vs. Risk Rating rating for this company is (best 1 - 100 worst), indicating that the returns do not compensate for the risks. TSLA’s unstable profits reported over time resulted in significant Drawdowns within these last five years. A stable profit reduces stock drawdown and volatility. The average Profit vs. Risk Rating rating for the industry is 91, placing this stock better than average.
The Tickeron SMR rating for this company is (best 1 - 100 worst), indicating slightly better than average sales and a considerably profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Valuation Rating of (best 1 - 100 worst) indicates that the company is significantly overvalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (16.103) is normal, around the industry mean (8.882). P/E Ratio (327.852) is within average values for comparable stocks, (579.688). Projected Growth (PEG Ratio) (4.233) is also within normal values, averaging (3.056). TSLA has a moderately low Dividend Yield (0.000) as compared to the industry average of (0.037). P/S Ratio (12.092) is also within normal values, averaging (3.611).
The average fundamental analysis ratings, where 1 is best and 100 is worst, are as follows
a manufacturer of electric sports cars
Industry MotorVehicles