Obviously this is very subjective, and personal tastes will color one’s opinions. For example, if one is a sports fan and very into fantasy sports in particular, a company like DraftKings will likely be part of one’s top five. For others, it may not even be in the top 20.Here are my top five, based on a combination of current valuations and, of course, future potential.1. AirbnbAirbnb has disrupted the hotel industry by allowing individuals a convenient way to rent out their spare real estate assets for various durations. It allows travelers a way to save on lodging fees, which is generally the most expensive part of a trip or vacation. Going forward, Airbnb is likely to attempt to be a more complete all-around travel accommodations company.Where it could struggle:- Lack of consistent quality. At hotel chains, you know exactly what you’re getting. With Airbnb this is less certain and this could turn off individuals to trying the service in the first place and allows hotels to continue to charge some level of premium.- Regulatory burdens. The hotel industry is subject to various rules and regulations and Airbnb is increasingly challenged in the court system regarding its ability to circumvent these and has caused the service to be outright barred from some municipalities. 2. UberUber has come under fire recently over questions regarding its leadership, management defections, negative PR, and implications of a less-than-optimal working culture.This may give competing service Lyft a way to grab market share, a company that has tended to run at just 10% of Uber’s value. However, Uber’s value-add in transforming the logisitics, ride-sharing, and local travel industry has been nothing short of phenomenal and the lifetime value of each customer is very high.3. XioamiXioami isn’t unique in what it does – sells phones, tablets, and computers – but consumer electronics are in high demand. This is particularly true in China where there’s a burgeoning middle class. Considered to be China’s Apple equivalent.4. Ant FinancialAnt – formerly known as AliPay – is the financial services arm of Alibaba (BABA), and considered China’s PayPal equivalent. Approximately 60% of all online financial payments in China are done through Ant and it has around 500 million annual active users.5. DidiTo round out the top 5 I’m going with China’s Uber. Didi has 400 million users and is available in over 400 Chinese cities. The company acquired China’s Uber segment in August 2016.Honorable mentionsPalantir – Palo Alto-based big data company with a highly diversified client base.SoFi – Peer-to-peer lending and one way for investors to profit off the personal loan market directly. I believe they could benefit by penetrating into the student loan market where there isn’t a notable alternative to banks or the US government (i.e., in the form of loan relief for a portion of a student’s future earnings).WeWork – Office space options for remote workers, freelancers, “solopreneurs,” and small- and medium-sized businesses. Locations throughout the US, Canada, and in main international business hubs. Currently working on making its user base stickier by developing its ecosystem.