Toptal Finance Blog

What happened to Blackberry? The company, once the most valuable in Canada, has effectively been a zombie stock for a while. Is the picture painted by the stock a fair one, particularly for a company whose revenues are up 20% YoY?

Recession-proof industries either provide an absolute necessity that consumers will always keep purchasing, or have characteristics that are conducive to experiencing increased demand in downturns.

The restaurant industry is infamous for its failure rate. The most common reason for failure is location. Cloud kitchens do away with this obstacle, allowing restaurants to operate without having a central hip location.

To understand the recent decline in prominence of large banking conglomerates we must first understand the innovation history of the industry. This provides clues towards the paths banks must take for an innovative future.

Will electric airplanes dramatically reduce fuel costs, save the environment, and jumpstart the dying regional industry? In this article, we examine why electric airplanes are having their moment in the sun. We size the market, take bets on the winning players, investigate the challenges in current technologies, and take a guess at when you'll be flying in an electric plane.

What happens when interest rates drop below zero - are you really paid to borrow money? Japan, Sweden, Denmark, Switzerland, and the Eurozone have all experienced negative rates and their experiences give pointers towards the effectiveness of such strategies.

How has the beauty industry become extremely innovative? How did Glossier and The Ordinary approach (and crack) the problem of enticing consumers, building brand loyalty and creating unique experiences? The lessons are relevant for all DTC companies.

Business value is much more than just the sum of discounted future cash flows. There are strategic elements related to equity control that also determine true worth. These factors manifest through control, liquidity, marketability, and synergistic discounts and premiums.