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Bagholders

by Arnold Kling

August 10, 1995

(Note: This page is part of the Homebuyer's Fair

Originally, the article appeared on The Electronic Newsstand. Since then, Netscape has split, so you might want to divide the prices below by two to compare them with Netscape's current price.)

The First-day Frenzy in Netscape

On its first day of trading, Netscape opened at $71, rose briefly to $75, declined to a low of $53-3/8, then finally settled at $58-1/4.

On the car radio, I heard one broker point out that the price pattern means that a lot of people now are holding the stock who bought it for $70 or more. He referred to these unfortunate buyers as "bagholders," as in "left holding the bag." This is in contrast to the people who bought in the mid-$50's, who at least were not staring at a $15 paper loss at the end of the day.

I think the term "bagholder" applies to all of the people owning traded Netscape stock at the end of the first day. If you bought at $54 you should be happier than someone who bought at $75, but either way, you paid a phenomenal price for the stock.

The first day's closing price put the total value of the Netscape franchise at close to $2 billion.

Why Netscape is not worth $2 billion

Let's do a little arithmetic here. Suppose that commerce over the World Wide Web has a 5-year run (starting in about 1998) before it is overtaken by another technology. Assume $100 billion a year, for a cumulative total of $500 billion, of goods and services sold over the World Wide Web.

Next, we need to figure out how much of that $500 billion goes to Internet service providers of all sorts. Of course, the producers of the goods and services have to get 90 percent of the revenue, or else they're not making money selling on the Net, so that leaves $50 billion for Internet services.

Next, we need to figure out the percentage of the $50 billion skimmed off by the Net that will go to Web server software. Remember that companies who market on the Web will need hardware, communication services, graphic artists, database programmers, content designers and managers, and other software tools and services to market on the Net. Figure that the Web server cost can be no more than 5 percent of total cost, or $2.5 billion.

Finally, project Netscape's share of the Web server software market. Keep in mind that as of today there is usable freeware, that there are companies selling commercially supported Web server software for $500 (vs. Netscape's price of $50,000), and that professional software firms with established client bases can get into this business.

Also, keep in mind that companies with complementary hardware and software will work very hard to avoid allowing another Microsoft-style monopoly to emerge. Sun, DEC, and other hardware and software companies will want to encourage competition in the server software industry in order to increase the relative value of their own products. Their incentive is to turn Web server software into a commodity.

Putting all this together, I think Netscape will be lucky to achieve a 50 percent market share. So, using what I believe are relatively optimistic assumptions, I see Netscape revenues over its useful life of $1.25 billion. Meanwhile, it will incur costs of several hundred million, so that the total profit is going to be pretty low.

Why People Are Buying Netscape

There is a lot of emotion associated with online services and the Internet. The phenomenon is not limited to Netscape. I do not see how Netcom stock could have been valued at $1000 per subscriber, when each subscriber only generates $240 per year in revenue. I do not see how America Online can be valued as a super growth stock, 100 times earnings or more, given that users are likely to get tired of it and it probably will earn less three years from now than it does today.

Here is what I believe owning these stocks represents to people:

The Internet and the Stock Market

The concept of an Internet stock is something of an oxymoron. The stock market used to be associated with physical capital. Its economic function is to allow companies to raise funds to buy plant and equipment. From a traditional economic perspective, investors are trying to pour capital into a technology that is not capital intensive (the physical Internet backbone costs just a few dollars per user per year to maintain). Netscape does not need plant and equipment, certainly not $2 billion worth.

From an Internet perspective, investors are trying to lay claim (through Netscape, Netcom, AOL, Spyglass, and all the rest) to a phenomenon that nobody really owns. The Internet is a set of protocols and standards that enable different computers to communicate with one another. It used to be a cliche that "No one owns the Internet."

Traditional stock market analysts do not trust the Internet. Much of the Net culture distrusts Wall Street. Under the circumstances, the romance between Wall Street and the Internet is quite remarkable. I don't believe it can last.


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