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@FundasyInvestor Avatar @FundasyInvestor Fundasy

Fundasy posts on X about $four, business, $root, $knsl the most. They currently have XXXXX followers and XX posts still getting attention that total XXXXX engagements in the last XX hours.

Engagements: XXXXX #

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Mentions: XX #

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Followers: XXXXX #

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CreatorRank: XXXXXXX #

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Social Influence

Social category influence cryptocurrencies #4873 stocks XXXXX% finance XXXXX% technology brands XXXXX% currencies XXXX% countries XXXX% luxury brands XXXX% automotive brands XXXX%

Social topic influence $four #5, business 9.41%, $root #25, $knsl #3, stocks 5.88%, $cprt #82, $nu #3, $pypl #498, ai 4.71%, $meli #12

Top accounts mentioned or mentioned by @fcfgrowth @donzellisamuel @realroseceline @tomsmith839 @blondesnmoney @stonkmetal @sleepwellcap @saynototrading @speedwell_llc @nicolaguida73 @sempiternoinv @jminvestment0 @koyfincharts @ldiscernment @bizalmanac @adriancsc @highyieldharry @leinad7331 @speedwellllc @sixsigmacapital

Top assets mentioned 4 (FOUR) The Root Network (ROOT) Kinsale Capital Group, Inc. (KNSL) Copart, Inc. (CPRT) NuCypher (NU) PayPal Holdings Inc (PYPL) MercadoLibre Inc (MELI) Sea Limited (SE) TransDigm Group, Inc. (TDG) Oscar Health, Inc. (OSCR) Grand Base (GB) Toast, Inc. (TOST) Shopify Inc (SHOP) Fiserv Inc (FISV) Uber Technologies, Inc. (UBER) Wise (WISE) Fortress Transportation and Infrastructure Investors LLC Class A Common Stock (FTAI) Affirm Holdings, Inc. Class A Common Stock (AFRM) Metadium (META) McDonald's Corp (MCD) Domino's Pizza Inc (DPZ) Ferrari N.V. (RACE) SuperWalk (GRND) Apple, Inc. (AAPL) Interactive Brokers Group, Inc. (IBKR) PAID (PAID) Lemonade, Inc. (LMND) Return to Beginnings (ROOTS)

Top Social Posts

Top posts by engagements in the last XX hours

"That's a great question. I feel like the only ones I've noticed that payments is a big revenue driver are the ones that were able to reinvest in another indirect growth driver for payments like $MELI $SHOP that both continued with 30%+ growth not many "pure payment" companies have managed this besides $FISV back in 2008 to 2025 Have to skate where the puck is going though. Payment companies where the extra margin allows reinvestment in the core business are the most successful. It seems like $FOUR is the only "pure play" payments company that is operating with this type of playbook"
X Link 2025-12-09T19:59Z 8115 followers, XXX engagements

"Just buy $FOUR 😆 company knows its stock is undervalued and its growing faster and more profitably than any of its front-end competitors Buy the company that built the global payment rails and has the best hardware/software combo for verticals maximizing retention and building a moat as it goes along One will accelerate with no viable competition one will struggle to grow efficiently One has a $1B buyback in place One is a European company"
X Link 2025-12-10T17:58Z 8115 followers, 2149 engagements

"Not a bad idea for the $ASML massive winners Selling a XX PE (2-3% shareholder yield) growing 10-20% very efficiently and competitively can sometimes be less efficient than a broad growth basket here at 30-50x PEs growing 25-35% for a number of years Takes good timing though. I'd sell calls to not pay taxes on gains and purchase leaps with the proceeds to get call options on key potential next XX month tax loss selling exhausted winners if they reach your target support price ( $FOUR Here $MELI $1800-1900 $SE $110-120 $UBER $70-80 $NU $14-15)"
X Link 2025-12-10T18:05Z 8115 followers, 2664 engagements

"$FOUR Investors might be curious why that positive ROIIC is such an important assumption to make about this business in fact it's the only one important assumption to make You see if a company can operate with 6-8x Total Debt/EBITDA-CapEx stable leverage ratios and increase margins sequentially quarter over quarter. each quarter This would imply that the acquisitions are improving unit economics after being acquired for organic growth positive ROIIC you might say What happens when a roll-up Vertical Market Payments company built the global payment infrastructure that allows it to expand its"
X Link 2025-12-10T18:29Z 8115 followers, 2544 engagements

"$WISE Oh dont worry it can go lower"
X Link 2025-12-10T23:32Z 8115 followers, 3905 engagements

"Hot Take of the Weekend: $FTAI is a larger market cap than $TDG in 5-7 years (4x today)"
X Link 2025-11-02T17:38Z 8114 followers, 4575 engagements

"$CSU.TO Quit looking at me like that"
X Link 2025-12-04T16:38Z 8115 followers, 2370 engagements

"Added more exposure today via Synthetic Longs (Sell JAN28 $XX put Buy $XX JAN28 Call) I think its worth it at this point. With the consolidated margin inflection last quarter too going into the seasonally strongest quarter $1B repurchase agreement established too mgmt agrees. Do no brainer things in investing is what pays the best"
X Link 2025-12-09T18:03Z 8114 followers, XXX engagements

"@TomSmith839 $FOUR Q3 Gross Profit margins last year were 29.4%. The Q4 season peak was 323%. this past quarter was 36.5%. Shift4 might have higher gross profit margins than $PYPL in the next year or two"
X Link 2025-12-09T18:49Z 8115 followers, XXX engagements

"$PYPL $FOUR The EBITA margin profiles (to account for Shift4's M&A asset write-offs that have positive high rates of ROIIC) have already flipped nearly. Shift4 is operating on an equal per unit economic basis as PayPal while growing much faster"
X Link 2025-12-09T19:00Z 8115 followers, 5876 engagements

"@Sempiterno_Inv Own both agree. Shift4 $FOUR also fits in that profile"
X Link 2025-12-10T20:52Z 8115 followers, XXX engagements

"$NU You don't want a bank bragging about the liabilities it owes as the largest. You want someone who will grow intelligently"
X Link 2025-12-11T16:48Z 8115 followers, 2636 engagements

"$CSU.TO $CNSWF"
X Link 2023-01-24T17:22Z 8110 followers, 4649 engagements

"NEW POST: Evolution Gaming Pitch $EVO $EVO.ST $EVVTY In this pitch: - Link my previous Moat Analysis - Update and Revise my Growth Drivers - Provide an updated IRR Expectations with a Bull and Base case Link in reply below Please like retweet or share if you enjoy🙏"
X Link 2024-06-21T14:02Z 8111 followers, 48.8K engagements

"$DNP.WA A few charts to show my thoughts on this Jerome Martin $JMT slowdown in LFL sales to -X% X. Dino owns 90%+ of its location's land X. Dino has clean BS (CFO-Green Total Debt-Red) X. Dino will post positive topline growth Mgmt doing well. Not selling but not buying here"
X Link 2024-07-25T16:27Z 8113 followers, 3074 engagements

"$EVO.ST $PTEC We found out who paid for a defamatory short report back in 2021. No one could've guessed it was the #2 market share holder"
X Link 2025-10-21T13:54Z 8111 followers, 5119 engagements

"Purchasing Kinsale Capital $KNSL at a mid-teens PE below the average repurchase price (Only $20M though) at $XXX this past quarter would be pretty dang cool. I'd over-expose myself there With GWP slowing likely it falls on "deceleration" worries even with NWP is great"
X Link 2025-10-24T19:17Z 8114 followers, 6848 engagements

"$USDCAD There will be a point where I go shopping in Canada for my favorite Canadian listed names that have Consolidated Currency abroad Today is not that day though $CSU.TO $TVK.TO $KSI.TO"
X Link 2025-11-18T17:15Z 8114 followers, 2771 engagements

"$OSCR $ROOT Two of my favorite stocks are trading at 2x Gross Profit have unrivaled premium/customer growth and are SG&A efficient enough where 20-30% of Gross Profit will be translated to underwriting profits in time Very bullish tech-enabled insurance stocks going forward"
X Link 2025-11-18T17:29Z 8112 followers, 1998 engagements

"$KNSL slightly turning on the buyback here"
X Link 2025-11-23T00:28Z 8110 followers, 2047 engagements

"$FOUR Not a lot of investors are ready for the fact that Shift4 is going to be growing 25-30%+ over the next few years with dramatically higher margins and ability to reinvest excess cash in buybacks or M&A Revenue growth gross profit margin and ebit margin all at highs in last Q after the Global Blue acquisition occurred. If Shift4 can grow organically at all off this base good things will start to happen with organic growth trends Stock is not cheap on PE measures. You have to look at the cash flows and the non-cash expenses (Amortization from M&A primarily) that muddy the bottom line"
X Link 2025-11-25T17:06Z 8111 followers, 8700 engagements

"Like yes this is all objectively true. However it can also be simpler: - Buffett was born in 1930. He matched the S&P500 performance from 70-95 years old born XX years before the WWW was invented. His performance waned in his later years understandably - In his 20-30s he was CAGRing XX% a year in Private funds to then CAGR a holding company at XX% for 60+ years Buffett was a dawg. Dont emulate him but learn from greatness thats all. Greatness would translate in any age if Buff was born today and learning about ML being used to underwrite insurance at unit economics yielding 50-100% higher"
X Link 2025-11-30T16:49Z 8112 followers, 18.6K engagements

"Its funny that the general country doing fantastic has decorrelated from the local stocks doing well though Opportunity Favorite Polish stocks for general economic activity with competitive advantages Many might say $SGN.WA and/or $DNP.WA"
X Link 2025-12-01T21:19Z 8113 followers, 2704 engagements

"$NU Might be one of the greatest businesses to come out of the 2020-2021 overpriced IPO group Grew Active Customers and ARPU by a few multiples each long term growth drivers still going on both. Monetization possibilities are still in 2nd inning with majority of revenue being: - Interest from deposits - Credit Card Fees - Personal Loans Majority of portfolio is Secured Loans vs Unsecured to well-established Developed Financial Holding Lenders. Latam not ready for this risk-profile yet With the lean structure it's already making the same Revenue per Employee as any US Competitor while"
X Link 2025-12-02T00:49Z 8111 followers, 6727 engagements

"$FOUR Oh. would you look at that. Company might be growing that topline and LTV with positive ROIIC after all. The implications of that assumption would be fun and is definitely not priced in by the street today"
X Link 2025-12-02T19:15Z 8111 followers, 2475 engagements

"$CPRT Copart is one of those monopoly required infrastructure services that allows for the Auto/Insurance market to exist at all salvaging vehicles in total loss scenarios creating a lower monthly burden to consumers for this high dollar asset ownership class Great business that simply got too expensive. However even as growth has slowed the Copart business model is humming producing mountains of cash (Net Cash is XX% of Market Cap today) However the stock trading at a 24x PE & 4x P/B is still too expensive for me to purchase in relation to the decreased growth increased maturity and lower"
X Link 2025-12-03T17:09Z 8111 followers, 8335 engagements

"Knew posting a Koyfin screenshot would gear that😂 I like the IBKR integration and customized report building that Koyfin offers for my process in particular The Scatterplots by drivers and Portfolio Modeling features are also so freaking good. The AI functionality isnt as useful for me sadly:/"
X Link 2025-12-03T21:21Z 8113 followers, XXX engagements

"$ASML was such a layup. can't believe I missed this"
X Link 2025-12-04T02:14Z 8110 followers, 7249 engagements

"I dont know if $FOUR sells anymore😅 Seems like theyve taken a much longer term view and Jared built a very replicable M&A playbook and put a CEO in charge with great M&A/Tech focus Also Shift4 is building Vertical Market Payment/Software combos with much higher retention than any of the legacy players idk about multiple reversion even with no sell"
X Link 2025-12-04T16:11Z 8113 followers, XXX engagements

"FWIW I don't own a single stock on this list. I enjoy owning companies that are deflationary and systematically create sustainable value for the world Used to own $EVO.ST and that was a mistake that I don't intend to duplicate"
X Link 2025-12-04T17:30Z 8112 followers, 3535 engagements

"$OSCR $ROOT for Health/Auto insurance in the US with a weaker US dollar right now great purchases for UK investors going into 2026 Oscar obviously a fintwit fav though $KNSL is the real dark horse but they're decelerating right now and do really well in inflationary low yield times. Likely revisits the $XXX area though which is where I plan to add in spades"
X Link 2025-12-04T18:48Z 8109 followers, 1931 engagements

"The AI Engineering book I'm reading literally stated word for word that data intensive businesses that have a good amount of manual tasks are the ones that will benefit the most: Financials and Insurance primarily Highlighted it and agree with it full hearted"
X Link 2025-12-04T19:02Z 8113 followers, 4047 engagements

"The fact that $IBKR allows individuals to buy stocks with margin at roughly equivalent rates as a 30-Year Mortgage is kinda insane when you think about it Explains their revenue chart though"
X Link 2025-12-04T19:54Z 8111 followers, 75.4K engagements

"Great podcast on both Constellation Software Copart AI commentary I work in software DevOps Consultant for SAP and yalls CSU commentary was spot on with how internal businesses work. Copart commentary was fantastic as well. I have written about and followed both these for a number of years so it was fun to hear yalls perspective. I think X ideas not discussed though are equally interesting. However for CSU and CPRT yall only thought in terms of risk not potential rewards. Two questions then - If there was hypothetically a Software company that would benefit the most from AI who would it be"
X Link 2025-12-05T01:57Z 8110 followers, XXX engagements

"@HighyieldHarry Not gonna lie the Substack referral Paid Network works well for mine. Had literally no success before on an independent site"
X Link 2025-12-08T04:36Z 8110 followers, XXX engagements

"$ROOT $LMND I do enjoy Koyfin's comparator tool One Insur-tech is: - Profitable - Increasing Equity - Paying Down Debt - Maintaining Excess Cash on BS One Insur-tech is: - Burnish cash for comparable growth CAGR - Destroying Equity - Increasing Debt on BS with increasing Debt/Equity ratio from 2022 to today (4% to 30%) - Burned through its IPO cash Which one do you think will be the successful insur-tech winner"
X Link 2025-12-08T19:29Z 8112 followers, 1729 engagements

"Officially Launching - Fundasy Investor X Articles. My Free materials on each Substack post will now be available to my X Followers for Free I'll keep reposting and updating my articles over the next month or two ------------------------------------------------ $FOUR Shift4: The End-to-End Card Present Network Table of Contents: - More Payments ; More Problems - Payments Process Today - Successful Payment Companies - Shift4s Solution: Integrated Hardware + Software - Business Model Analysis Original Substack Article Link:"
X Link 2025-12-08T21:41Z 8111 followers, 2297 engagements

"$ROOT Has a bit of work with customer interface UI the plumbing of collision/claims but the unit economics of the business are already really impressive with low-cost advantage The rest is elbow grease. The foundation is strong"
X Link 2025-12-08T23:37Z 8113 followers, 1610 engagements

"$FOUR I really don't think the street is modeling what the Shift4 stock should be valued at with the increasing margins with higher dollar services increasing ARPU and increasing International take-rates Should be a fun next 12-24 months as a stockholder. Quarterly GMs👇"
X Link 2025-12-09T05:07Z 8113 followers, 5260 engagements

"Agree the $1-12B range is a great hunting range right now"
X Link 2025-12-09T05:42Z 8113 followers, 2074 engagements

"@TomSmith839 Crazy tailwind to add to this year for restaurants hotels etc. All that capital coming to USD from stronger International currencies too Going to be a fun next year for Shift4 holders"
X Link 2025-12-09T18:26Z 8114 followers, XXX engagements

"$FOUR 2026 Tailwind"
X Link 2025-12-09T18:27Z 8112 followers, 1891 engagements

"$ROOT chart is starting to show the kind of structure I look for when a long downtrend is close to reversing. Price is pressing up against the 50DMA which hasnt happened since early summer while the short-term MAs have tightened enough to signal real seller exhaustion. MACD has curled upward from extreme lows and the histogram is steadily shrinking both signs that momentum is shifting even before price fully confirms. If ROOT reclaims the 50DMA the setup aligns almost perfectly with the seasonal tailwinds (tax-loss selling ending + January small-cap crowding). And with the business printing a"
X Link 2025-12-09T18:46Z 8113 followers, 1212 engagements

"Oh XXX% that the $GB pro forma results will look quite good. Definitely excited about high margin of a business add-on that was already without any additional cross selling having occurred yet which will be a huge 2026 growth driver The global rails for the tuckin strategy internationally similar to SmartPay is also just such a steady long term growth driver. With International take-rates being higher than US mature profiles Shift4 will be moving downstream in comparison to $ADYEN moving upstream to the US market a few years ago Should be fun. Happy you stuck with me to keep reading up on"
X Link 2025-12-09T18:54Z 8110 followers, XXX engagements

"@Speedwell_LLC @SleepwellCap Yeah without that service youd have had to take a rebate (paper receipt) to the airport and get it from the airline Trust me this is likely better. Global Blue is the only one doing it. Masterful pickup by Shift4"
X Link 2025-12-10T01:38Z 8114 followers, XXX engagements

"$MELI $NU I like both:)"
X Link 2025-12-10T15:54Z 8114 followers, 2559 engagements

"$KNSL Still just one of the most impressive companies out there. I'm going to get back in with weight at some point"
X Link 2025-10-25T02:51Z 8115 followers, 3675 engagements

"$CPRT Quality company that is trading much cheaper than a few years ago with significantly cleaner BS"
X Link 2025-11-21T20:02Z 8115 followers, 3230 engagements

"$ROOT the longer you're in the game the less you trust Analyst Expectations Case in point👇"
X Link 2025-12-03T22:17Z 8115 followers, 1708 engagements

"Sadly seems like $RBA is doing okay with IAA winning some government contracts. Them getting bought by an auction site was a pretty smart acquisition by the Ritchie boys Not getting disrupted though. It's all a density and NIMBY of plots. $CPRT ramped CapEx much higher in 2024-25 to likely acquire new sites No real deeper analysis than that with IAA being a subsidiary of RBA now :/ sorry"
X Link 2025-12-04T15:24Z 8115 followers, XXX engagements

"Out of Chris Mayers very lagging portfolio what is interesting"
X Link 2025-12-09T02:52Z 8115 followers, 23.4K engagements

"@SayNoToTrading Good point. $TEQ is my first to go as well $HEI is a no probably for me just because of growth rate being much lower $CPRT is a utility $CSU and Gang isnt bad. $BRO is lower growth but great business $KNSL is still my favorite play that fits in this style of stocks though"
X Link 2025-12-09T04:17Z 8115 followers, 1009 engagements

"$FOUR $PYPL One went for the higher margin generic front-end one went for lower margin processing fees and vertically integrated to add on incremental margins on top of global processing rails One will increase margins further from here. One will likely not"
X Link 2025-12-09T05:12Z 8115 followers, 6803 engagements

"@SixSigmaCapital With you that I want to add $SE but I also agree with you that the chart looks like death with no valuation support at 9x Gross Profit and XX PE Likely to add closer to the $110-120 area if I can get it"
X Link 2025-12-09T23:02Z 8115 followers, XXX engagements

"$ADBE Oh shoot thats something to look into"
X Link 2025-12-11T02:48Z 8115 followers, 2382 engagements

"Yeah Restaurants in particular are a vertical with higher CAC lower LTV due to this issues described above As a lower cost and more diversified vendor than even $TOST and a much better mix of businesses it can bring all these advantages to grow into more stable verticals: Hotels Tickets Luxury Unified Commerce etc. In addition International businesses have much higher take-rates than US businesses due to a lag in sufficient competition. This means that Shift4 has a playbook to rapidly expand its International book of business at higher profitability with a cheap CAC method with lower"
X Link 2025-12-11T17:05Z 8115 followers, XXX engagements

"$TOST $FOUR All these reasons are why Shift4 will likely have lumpier but more sustainable growth ratios over time while Toast will stay in restaurants and experience incrementally increasing CAC a drop in bottom line margins and a decelerating growth rate All the while it trades at 3x the valuation today on Gross Profit and a much much higher multiple on actual bottom line growth Hence why $FOUR has a buyback for 1/5th the diluted market cap active right now though"
X Link 2025-12-11T17:09Z 8115 followers, XXX engagements