💳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
🏦 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