圖 @google images
2011年蘋果教主喬布斯(Steve Jobs)去見上帝後，人們曾相信蘋果公司股價將見頂，結果iPhone卻愈出愈有。在2018年8月時，更成為美股史上首家市值突破一萬億美元的上市公司，現時財務衡量標準比瑞士或沙特阿拉伯等國家的經濟價值更高。
市場焦點總離不開iPhone銷售數據，但其實支撐蘋果成長的真正英雄是服務收入和回購。所謂服務收入就是可以向其他科技公司收取的流量收購成本(Traffic Acquisition Cost)，也可以是愈來愈多人用的Apple Pay。手機支付愈來愈普及，現在用手機支付，過程不過三數秒，還能有信用卡積分，不難怪會成為大勢所趨。
節錄自郝承林著作《 致富新世代3 ── 你也可以的穩健發財派》，歡迎訂購: 實體書、電子書
Apple Pay如何在手機支付市場脫穎而出?
在一個人人講求私隱的年代，Apple Pay最大好處是信用卡資料只是讓蘋果知道，而不會透露給賣家。但其他支付程式，手機和支付系統屬不同公司，你用一個支付程式，便可能有兩家公司取得資料。 然而iPhone和Apple Pay同屬蘋果公司，故在手機支付市場，蘋果很大機會跑出。手機支付增長將進入迸發階段，未來增速可能繼續快過iPhone。
而在2019年8 月，蘋果行政總裁 庫克(Tim Cook) 正式宣佈 Apple Pay 的最新服務 Apple Card 已在北美地區開放。蘋果終於推出自家信用卡，Apple Card 不收取任何年費、跨國費用及超額費用，更有 2%現金回饋，購買 Apple 旗下產品則是高達 3% 現金回饋，實體刷卡則有 1% 現金回饋。
根據蘋果前創意總監Ken Segall透露，此服務原為蘋果教主喬布斯(Steve Jobs)2004年所提出的方案，事隔多年，此項構思終於正式與大家見面。相信日後，在Apple Card的加持下，Apple Pay將會大受歡迎。
股份回購計劃
除了服務收入增長，蘋果公司的每股盈利增速往往都會快過公司稅前盈利增速，全靠蘋果的回購計劃。 自2012年計劃開始，蘋果已回購約四分一股份，即公司盈利沒增長，每股盈利也會上升三成。假設蘋果公司市值1萬億元，淨現金約1,000多億元，每年經營現金流則近800億元，若全部都用來回購股份，12年左右便會回購所有股份，每年這樣的額外8%增長(能見度高且穩定增長)，怪不得連「股神」巴菲特也忍不住要買進了。
蘋果公司神奇之處，就是不繼可以創出許多神話故事，如iPhone增長完結後，又想出軟件方向發展和回購，讓股價長升長有，證明一間優質企業是絕對打不死。
節錄自郝承林著作《 致富新世代3 ── 你也可以的穩健發財派》，歡迎訂購: 實體書、電子書
《 致富新世代3 ── 你也可以的穩健發財派 》系列套裝優惠價，一按即買
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