💳Fiserv: Opportunity in Brutal Selloff ?
Posted inAnalysis Financials

💳Fiserv: Opportunity in Brutal Selloff ?

TLDR; Federal lawsuit alleges inflated growth metrics and forced Payeezy-to-Clover migrations. Full-year EPS guidance slashed from $10.30 to $8.60 (16.4% cut). Slowing growth in the Clover payments platform, a key business unit. Not all debt is bad debt : $4.1B is receivables - do need to keep an eye on upcoming Qtrs. Buying back significant amount ... Read more
👩🏻‍💻 Atlassian: Growth Beyond Jira And Confluence
Posted inFinancials Analysis

👩🏻‍💻 Atlassian: Growth Beyond Jira And Confluence

Atlassian co-founder Scott Farquhar TLDR; 47% free cash flow margin proves Atlassian prints money faster than competitors burn it. Jira Service Management at $600M ARR (+30% YoY) is Atlassian's enterprise Trojan horse. 1.5M AI Rovo users in one quarter shows AI can drive both stickiness and pricing power. Microsoft's 36% margin vs. Atlassian's 19% means ... Read more
Ω Lululemon: Tariffs Eating Margins
Posted inAnalysis Financials

Ω Lululemon: Tariffs Eating Margins

TLDR; LULU Margins Hit: Q1 FY25 net margin declined due to new tariffs (30% China, 10% other imports) and rising competition. Growth Outlook Trimmed: Lululemon slashed its full-year growth forecast (5-7%), leading to a significant stock drop. Competitive Headwinds: Increased competition from brands like Nike, Alo Yoga, and Vuori challenges Lululemon's premium pricing. Strategic Pricing: ... Read more
🏦 NU Holdings: LatAm’s Fintech Ecosystem
Posted inAnalysis Financials

🏦 NU Holdings: LatAm’s Fintech Ecosystem

TLDR; Nu Holdings' expansion into new geographies has created some headwinds, affecting their net interest margin. Hyper-Scalable Model: Strong unit economics and low customer acquisition costs signal future profitability. Strategic Market Expansion: New banking license in Mexico and deposit growth in Colombia mitigate concentration risk. Superior Profitability: Nu's profitability metrics are superior compared to key ... Read more
🤑Robinhood : Ready to Run
Posted inAnalysis Financials

🤑Robinhood : Ready to Run

Robinhood App TLDR; Mission: “Democratize finance” via zero fees, global expansion (UK/EU), retirement accounts ($14.4B AUC). Financials: $927M rev(+50%), $336M net income (+114%), $631M FCF, $6.1B cash, $221B assets (+70% YoY). Revenue Drivers: Crypto ($252M,+100% YoY), Options ($240M, +56% YoY), subscriptions (3.2M Gold users, +90%). Risks: Crypto volatility (30% QoQ drop), PFOF/margin scrutiny, interest rate sensitivity (14% ... Read more
US Treasury Bonds
Posted inAnalysis

💵 US Treasury Bonds : Backbone of Economy

Why do you need to know about U.S. Treasury Bonds What Are U.S. Treasury Bonds: Government-issued bonds that help fund federal spending and are considered low-risk investments. Why They Matter: Treasury bonds influence interest rates, inflation, and overall economic stability. Impact on Personal Finances: They affect mortgage rates, loan costs, and investment returns. Smart Money ... Read more
trump tariff
Posted inFinancials Analysis

💵 Trump Tariff: Shit Show

Trump's Reciprocal Tariffs in April 2025 The Reality of Tariffs Nearly $6 trillion was wiped from markets in 2 days. Tariffs' Impact: It has only lasting influence on market in a healthy economy(Which we don't have). Current Economy: Complex web of fiscal policies, not a healthy economy. Currency Debasement: In our economy value of currency ... Read more
grab
Posted inFinancials Analysis

🚕 GRAB : South East Asia’s Super App

TLDR; 3 consecutive quarters of positive FCF - Added $500 million to cash balances in last Q. Became GAAP profitable last quarter. Expanding digital banking presence across Singapore, Malaysia, and Indonesia Cross-Selling Opportunities & Reduced Customer Acquisition Costs for new services. GRAB Q4 FY24 Results: Revenue: $764M (+17% YoY) Net Income: $11M Net Margin: 1.4% ... Read more