Now, I understand how you survived all the cyclical markets ! Your brain is trained for this…Kudos…
While it makes sense for Square to try and expand market share in a category where it has been weak, there is a lot of competition for the business of larger merchants form companies like Stripe, Clover and Shopify, as well as traditional payments companies like Fidelity National Information Services (FIS) and the soon-to-be-combined Global Payments and TSYS.
A bigger rival, JPMorgan Chase (JPM), is setting its sights on a chunk of Square’s business. America’s largest bank by assets is rolling out free same-day deposits for merchants on its WePay platform who have a Chase bank account.
Since thread started, SHOP shot up by nearly 20% 
Just when you think e-commerce stocks are goner 
https://articles2.marketrealist.com/2019/10/shopify-stock-why-hedge-funds-are-upbeat/
Shopify Stock Has Become a Bubble
Despite the high price of Shopify stock, I see SHOP as a long-term winner.
Although a recession could disrupt the company’s growth for awhile, its business has just scratched the surface of its potential, given the explosive outlook of e-commerce. Shopify will benefit as more businesses utilize e-commerce.
Furthermore, if a recession occurs, it will probably hit the small and medium-sized business that Shopify serves will be especially hard-hit.
So recession soon or not?
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When the stock is UP above RSI 50, what is the point in reading this post telling as Long term winner? All these news/media is just following (behind) the market. It is exactly like what Jim Cramer is telling!
The true analysis is to tell the readers when the stock is at bottom at $295.
Another thought: If they really know ahead, why would they tell the readers, rather buy themselves first?
Reading such post only will give fear of missing out. I think caiguycaiguy bought at recent bottom.
Only a tiny position.
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Actually the author recommends don’t buy 
because of valuation even though he opined is a long term winner. Btw I BTC my short SHOP put for a decent profit. Holding on to a tiny tiny number of SHOP shares.
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Ultimately individuals needs to do their own analysis finally buying or holding or selling. That is the best.
We use Square for our (very small) business. Decent interface. I doubt I’d change vendors.
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Good. Owned 500 SQ. Nibbling SHOP and trading its options while waiting for it to bottom.
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I think SHOP is a different purpose, different interface. Isn’t Square for things like art shows and taxicabs where you only have a cell phone, and shopify for online purchases? I can see Google competing for phone to phone tap payments against Square though.
SHOP best for online only businesses, all other SMEs use SQ.
Not true. SHOP has retail segment as well:
Shopify operating cash flow last 12 months: 60M
So price to cash flow ratio is around 580.
Guess fundamentals are too old fashioned to matter.
Shopify Stock Drop Looks Overdone, One Bull Says
Baird analyst Colin Sebastian reaffirmed his Outperform rating for shares of the provider of e-commerce cloud services and tools, pointing to positive business trends.
Defending the drop? Digesting (retracing) a parabolic climb is normal🙄
Shopify Stock Drop Looks Overdone, One Bull Says
https://nonperele.com/square-led-the-way-in-payments-now-everyone-else-is-catching-up/
At a PayPal-like multiple of 31 times, Square would be worth just $31 a share. Carcache’s outlook isn’t quite that dire, but he still rates the stock at Reduce with a price target of $49, 20% below Square’s recent close of $61.72.
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So many payment processor and Ecommerce stocks. Which one is the right buy n hold?
AMZN, SHOP, PYPL, SQ
Fintech Companies To Buy And Watch: Apple Launches New Credit Card
PayPal in March bought a stake in e-commerce firm MercadoLibre (MELI). Analysts expect more tie-ups between fintech and e-commerce companies, such as Shopify (SHOP).
Funding was strong for startups in payments, e-commerce, online lending, and cloud software. Both Visa (V) and American Express (AXP) are investors in Stripe.
SQ Stock: Upcoming 2020 Revenue, Margin Guidance Looms Big For Square
Square makes credit-card readers that plug into mobile devices. Its Square Capital division provides loans to sellers. And the Square Cash app, a consumer digital money-transfer service, competes with PayPal Holdings ’ (PYPL) Venmo.
In addition to selling credit-card readers, Square provides software for point-of-sale and back offices in order to manage inventory and other tasks. It also offers customer relationship management software so businesses can do targeted marketing to their clients.
Square in 2018 acquired Weebly, aiming to compete with Shopify (SHOP) in setting up e-commerce websites for small businesses.
In the March quarter, Square reported merely in-line gross payment transaction volume (GPV). In the June quarter, GPV growth missed expectations. “If Square’s total addressable market were truly as large as management asserts, we don’t believe its GPV would be decelerating as rapidly as it is,” said Instinet analyst Bill Carcache in a recent note.
SQ stock is not a buy.
Amazon as a fintech company:
• Amazon.com (NASDAQ:AMZN) used its Money 20/20 keynote Sunday to reveal it would be giving Amazon Pay users the ability to pay utility bills.
• That will enable users to pay online or by voice, using Amazon’s Alexa assistant.
• Amazon is partnering on the feature with Paymentus, which reached a similar bill-pay partnership earlier this year with PayPal (NASDAQ:PYPL).
• Customers can get notifications through Alexa when their bills are due, and ask questions about the bill. Amazon expects the feature to reach 95% of ZIP codes by year-end.