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@JM_Investment0 Avatar @JM_Investment0 JM Investments

JM Investments posts on X about $four, $root, $pypl, $zeta the most. They currently have XXXXX followers and XXX 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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Social Influence

Social category influence cryptocurrencies #5921 finance XXXXX% stocks XXXXX% technology brands XXXXX%

Social topic influence $four #5, $root #14, $pypl #869, $zeta #31, stocks 6.72%, debt #543, $dlo #5, $nbis #226, business 4.2%, bullish #553

Top accounts mentioned or mentioned by @spike_1567 @devineni6 @wealthmatica @carsontalkmoney @caesarcapitalz @spike1567 @jerrycap @realroseceline @alexanderdemey2 @clarifinance @jrouldz @mrfundatechnic @dividenddynasty @bobspaysubstack @fishtowncap @cariocapital @nollaigocinn197 @introspectivei @smithonmarket @longonestocks

Top assets mentioned 4 (FOUR) The Root Network (ROOT) PayPal Holdings Inc (PYPL) ZetaChain (ZETA) DLocal Limited Class A Common Shares (DLO) Nebius Group N.V. Class A Ordinary Shares (NBIS) Global Payments Inc (GPN) MercadoLibre Inc (MELI) Hims & Hers Health, Inc. (HIMS) Adobe, Inc. (ADBE) Pagaya Technologies Ltd. Class A Ordinary Shares (PGY) Alphabet Inc Class A (GOOGL) Lemonade, Inc. (LMND) Progressive Corp (PGR) Alliance Fan Token (ALL) UnitedHealth Group (UNH) Centene Corp (CNC) CoreWeave, Inc. (CRWV) Western Union Co (WU) ODDITY Tech Ltd. Class A Ordinary Shares (ODD)

Top Social Posts

Top posts by engagements in the last XX hours

"I really think $DLO is one of the most slept on stocks - It operates in a massive TAM with huge tailwinds & growth runway - It has great proven leadership - Its asset-light & scalable with great margins And its price is dirt cheap"
X Link 2025-11-30T23:23Z 1436 followers, 2338 engagements

"$FOUR issued $470M of XXX% senior notes due 2033 yesterday People will scream more debt but actually I think this is actually a very smart bullish move In fact Im more bullish now than ever Below is why & more context on their debt👇"
X Link 2025-12-04T21:10Z 1436 followers, 6622 engagements

"@lantern_men What made you come back"
X Link 2025-12-08T08:38Z 1436 followers, XX engagements

"Heres one of my favourite $ZETA facts: XX companies have grown XX% YoY for X straight years Only X have also expanded FCF margins every year over the same period $ZETA is one of them And the kicker theres no sign of it slowing down Guidance for 2028 implies XX% revenue CAGR & expanding FCF margins And theyve beat & raised for XX straight quarters so I think you can trust the guidance is conservative"
X Link 2025-12-09T21:40Z 1436 followers, 3532 engagements

"$ADBE looks interesting here but I feel like I own enough turnaround plays already Growth wont blow anyone away but short term theres strong re-rating potential & long term likely safe steady returns Is anyone buying Feels a similar story to $PYPL but stronger"
X Link 2025-12-10T22:14Z 1436 followers, 1671 engagements

"$PGY being basically flat today must be seller exhaustion The last few weeks if there was even a hint of red market-wide it was down 5%"
X Link 2025-11-19T18:39Z 1418 followers, XXX engagements

"Todays deal of the day has got to be $ROOT around $XX At $XX according to my model youre looking at: - Nearly 2.5x upside just to fair value - 5Y CAGR returns of XX% - Almost no downside in my bear case If you want more info Ive discussed it below 🔗"
X Link 2025-11-20T18:14Z 1430 followers, 5664 engagements

"$ROOT is even cheaper today - now $XX It might keep dropping it may not even move much for the rest of the year but long term I think this could be a great opportunity"
X Link 2025-11-21T12:07Z 1429 followers, 2375 engagements

"Im considering trimming my $GOOGL position tomorrow Its a great business but at the current price does it outperform the market Theres lots of great opportunities right now where the money could likely do better Anyone else thinking similar"
X Link 2025-11-23T22:40Z 1430 followers, 8345 engagements

"I just posted a Q3 update on $ROOT I have covered: - They key headlines - What I did and didnt like - My updated valuation Check it out and let me know what you think 🔗"
X Link 2025-11-24T18:29Z 1429 followers, 1213 engagements

"Why $ROOT growth might accelerate Top line growth is good - revenue is up XX% YoY but looking below the surface tells the full story of whats to come The partnerships channel which makes up XX% of new writings doubled last year And independent agents which makes up half of the partnerships tripled YoY and still only covers XX% of US agents so theres huge growth potential These channels are still smaller so total growth doesnt fully reflect the pace but as the mix flips growth could and should accelerate"
X Link 2025-11-26T19:30Z 1429 followers, 1230 engagements

"I have been lucky enough to have my $ROOT thesis featured on the Yahoo Finance ticker page It covers: - What $ROOT does - Growth profitability & risks - Q3 earnings - Valuation now & in 5Y If youre interested please check it out & let me know what you think👇 🔗"
X Link 2025-11-28T21:01Z 1430 followers, 2283 engagements

"$ROOT fantastic loss ratio is evidence that their underwriting model works Charging people for HOW they drive not WHO they are In Q3 their loss ratio was XX% and this wasnt a one-off For comparison: $PGR was XX% $ALL was XX% $LMND was XX% As operating leverage kicks in & $ROOT decreases its expense ratio margins could be best in class all while growing double digits If they succeed even with low growth theyll blow todays valuation out of the water"
X Link 2025-11-29T18:58Z 1429 followers, 3288 engagements

"Very happy with the buys below since then we have: $DLO +7% $FOUR +14% $ZETA +7% (also bought at $XX +14%) $ROOT +11% $NBIS +19% All great positions Im happy to hold a long time and pretty near the bottom for most of them too"
X Link 2025-11-30T13:25Z 1429 followers, 1534 engagements

"$FOUR up X% today while many other higher beta stocks are red Is the market finally starting to see its value"
X Link 2025-12-01T18:05Z 1429 followers, XXX engagements

"@JerryCap $GPN is dirt cheap but why pick it over $FOUR which is also just as cheap but growing SO much more"
X Link 2025-12-01T19:17Z 1429 followers, XXX engagements

"$FOUR is being totally mispriced on concerns about their debt acquisitions & sector sentiment Theyve grown gross revenue less network fees at XX% CAGR since Q3 XX While averaging FCF margins XX% Yet the stock trades at: - A forward P/E XX - A PEG XXXX Its a BUY for me"
X Link 2025-12-01T21:00Z 1424 followers, 1664 engagements

"@FishtownCap @JerryCap I was looking at a few but I was probably a bit over the top saying its just as cheap youre right that $GPN is cheaper overall probably but I still think $FOUR is better value"
X Link 2025-12-02T16:14Z 1429 followers, XXX engagements

"@Spike_1567 I just dont think people understand them fully"
X Link 2025-12-02T22:07Z 1429 followers, XXX engagements

"People see $FOUR acquiring Global Blue as a negative but I like it It adds a new vertical & international diversification In Q3 alone it contributed - $156M GRLNF - $68M EBITDA Its already generating cash & expands $FOUR into a new category with big cross-sell potential"
X Link 2025-12-03T19:07Z 1429 followers, 1061 engagements

"@TheRayMyers Yeah I think I agree too. For me I think $FOUR is a much better buy than $PYPL to play similar themes"
X Link 2025-12-04T11:40Z 1429 followers, XXX engagements

"I think my $FOUR strategy from here is going to be: Buy more on every day under $XX I keep on talking about them I feel like a broken record but I really feel like it should not be this cheap the opportunity is huge"
X Link 2025-12-04T15:29Z 1429 followers, 1761 engagements

"Health insurers are still good value and make good defensive holds with reasonable upside personally I own $UNH and $CNC Also somewhat unconventional but $FOUR - it could be seen as a growth stock but value is so good and theyll do well regardless of macro environment so I think they could be a nice defensive play too"
X Link 2025-12-04T18:22Z 1431 followers, 1293 engagements

"@jrouldz Why $CRWV not $NBIS"
X Link 2025-12-04T20:13Z 1419 followers, XXX engagements

"First some background $FOUR has $690M of convertible notes due 15th Dec These notes will not reach their strike price meaning no share dilution but that they will need paying They have $1.5B cash so they could pay them but then thats less cash for M&A or buybacks"
X Link 2025-12-04T21:10Z 1431 followers, XXX engagements

"Instead $FOUR is doing what I expected they would rolling these notes into long term debt which I wrote about on my Substack last month (see pics below) The new notes will add to the existing 680M of 2033 notes and provide cash to pay off most of the Dec XX ones"
X Link 2025-12-04T21:10Z 1433 followers, XXX engagements

"By effectively shifting this debt to 2033 $FOUR will keep its cash balance healthy to allow for M&A or buybacks In my opinion doing either is incredibly bullish Buybacks show how undervalued the stock is More M&A would suggest Global Blue is integrating well to take on more"
X Link 2025-12-04T21:10Z 1429 followers, XXX engagements

"In particular based on my valuations buybacks at this price could be very lucrative Management discussed how undervalued they think the stock is in the Q3 call as they announced a new $1B buyback authorisation currently worth over XX% of outstanding shares The highlighted quote below is from the CEO"
X Link 2025-12-04T21:10Z 1429 followers, XXX engagements

"Looking forward $FOUR will now have 1.1B maturing in 2033 By then FCF is likely to be well over $1B/yr and dwarf any debt they have making it easy to pay off Plus even with the new notes net debt could decrease by year end since the new notes are less than the Dec ones"
X Link 2025-12-04T21:10Z 1429 followers, XXX engagements

"So overall I see this as a very smart move from $FOUR and an example of their excellent capital allocation Move debt to later when FCF will be higher Save cash for buybacks while deeply undervalued or smart M&A By 2033 theyll be bringing in heaps of cash and debt will be gone"
X Link 2025-12-04T21:10Z 1429 followers, XXX engagements

"Finally I have covered $FOUR and their debt in depth on my free Substack deep dive Follow the link below if youre interested:"
X Link 2025-12-04T21:10Z 1432 followers, XXX engagements

"@devineni6 Yeah exactly but its about $470M in 2033 they raised 435M not $"
X Link 2025-12-04T21:35Z 1420 followers, XX engagements

"@BourbonCap Hold three of them with very high conviction $FOUR $DLO & $ZETA"
X Link 2025-12-04T22:12Z 1429 followers, 1093 engagements

"@TheRonnieVShow I wondered how long until youd post about $FOUR - great business and super undervalued One of my biggest positions"
X Link 2025-12-04T23:19Z 1424 followers, XXX engagements

"I feel like I see the same stocks talked about on here a lot Whats your highest conviction stock"
X Link 2025-12-05T10:00Z 1429 followers, XXX engagements

"What stocks are you watching next week Im watching for: - $MELI around $2000 to start a position - $FOUR under $XX to keep adding"
X Link 2025-12-07T14:30Z 1422 followers, XXX engagements

"I sold all my $PYPL last week Its cheap no doubt about it but thats not enough I had hoped it would make a good defensive holding holding while the rest of the market dipped but it has not And if we consider what returns we could expect theres very possibly a XX% re-rating on the cards but when and then what There are fantastic opportunities elsewhere and I would always rather concentrate in my top picks For example $FOUR arguably has similar value and downside but MUCH more upside - I cannot see how allocating money to $PYPL instead is a better idea"
X Link 2025-12-07T15:30Z 1435 followers, 40.6K engagements

"Yeah it definitely does theyre fairly highly leveraged theres no denying it. I see this as an acceptable risk though as I trust management and believe theyll deleverage over the next few years. Short term I could even see $PYPL having more upside if it rerates but $FOUR having more long term"
X Link 2025-12-07T15:50Z 1429 followers, 1153 engagements

"@AlexanderDeMey2 I agree somewhat but I think sentiment is very bad for $FOUR already and its so cheap without things going disastrously I dont think it has much more downside left"
X Link 2025-12-07T17:29Z 1419 followers, XXX engagements

"I dont think its more asymmetric $FOUR could be several times its current market cap in a few years just from hitting guidance and without a total business breakdown maybe has XX% downside from here or something in a bear case $PYPL is probably near a bottom but I dont think the upside is anywhere near as much"
X Link 2025-12-07T17:31Z 1419 followers, XXX engagements

"@AlexanderDeMey2 I agree that $FOUR has execution and growth risks but doesnt $PYPL Both are also generating similar amounts of FCF relative to their size and performing buybacks"
X Link 2025-12-07T17:36Z 1419 followers, XXX engagements

"@Aulakhszn To be honest I probably wouldnt notice using $FOUR half of the time"
X Link 2025-12-07T17:37Z 1419 followers, XXX engagements

"Ive finally been looking at the $ZETA investor day presentation today I was already bullish but I feel like my conviction is doubling What a great looking business check it out if you have chance"
X Link 2025-12-07T17:45Z 1429 followers, 1921 engagements

"@realroseceline Great post totally agree $ROOT really impress me with their loss ratio - if they can improve their expense ratio too as they scale margins could be very competitive"
X Link 2025-12-07T18:41Z 1431 followers, XXX engagements

"@CarsonTalkMoney Ive added to $FOUR $ZETA $ROOT and $NBIS recently - I think all of these are better opportunities I have also built up a larger cash balance Not all of that is from selling $PYPL though"
X Link 2025-12-08T08:24Z 1429 followers, XXX engagements

"@ClariFinance The main positions Ive added to recently are $FOUR $ROOT $ZETA and $NBIS"
X Link 2025-12-08T08:26Z 1421 followers, XXX engagements

"@devineni6 Built more cash and also bought more $FOUR $ROOT $ZETA and $NBIS recently - not all of this was from $PYPL though"
X Link 2025-12-08T08:27Z 1419 followers, XXX engagements

"@TheSilentHolder Its also the perfect moment to buy $FOUR though"
X Link 2025-12-08T08:37Z 1419 followers, XXX engagements

"@ClariFinance Im not familiar with $WU Ill have a look. Im not really too interested in falling stocks as value bets right now though. Id rather focus on higher growth and upside stocks"
X Link 2025-12-08T08:51Z 1426 followers, XX engagements

"@CarsonTalkMoney Probably $FOUR as my favourite on a risk/reward basis $NBIS probably has most upside but most risk $ROOT and $ZETA are probably in the middle I have very high conviction on them all"
X Link 2025-12-08T17:24Z 1419 followers, XXX engagements

"Ive never seen a stock as polarising as $PYPL Half the replies are telling me Im stupid and making a big mistake The other half are telling me it was a good idea"
X Link 2025-12-08T17:37Z 1424 followers, 7672 engagements

"@QualityGrowthFV Yeah maybe but I think $FOUR has much more upside regardless"
X Link 2025-12-08T19:32Z 1419 followers, XXX engagements

"@DividendDynasty Theres a few I like at the moment: $FOUR $ROOT $ZETA $NBIS $DLO"
X Link 2025-12-08T20:29Z 1423 followers, XXX engagements

"Another day of $FOUR under $XX another day of buying more At this price you get: - Forward P/E XX - PEG ratio XXXX Plus everything in the thread below AND its growing FCF double-digits YoY Its screaming buy to me"
X Link 2025-12-08T21:25Z 1429 followers, 1588 engagements

"@jakebrowatzke Wow what a monster portfolio Jake. Honestly I think youre kind of crazy being that concentrated with margin too but thats maybe because I wouldnt dare do it. Its so great to see it working out for you"
X Link 2025-12-08T22:51Z 1421 followers, XXX engagements

"@CarsonTalkMoney @Spike_1567 Ive written about $FOUR in detail here if its of interest to you"
X Link 2025-12-09T09:30Z 1431 followers, XXX engagements

"@FinanceNinjaB Im not depressed Maybe $PYPL is a better buy than weeks ago but so are lots of other stocks"
X Link 2025-12-09T18:30Z 1436 followers, XXX engagements

"@weary_centurion I admire you being transparent I know people are going to come at you hard for this though $PYPL has some loyal fans"
X Link 2025-12-09T18:34Z 1436 followers, XXX engagements

"@zarieinvests Im really debating a small position in $HIMS at the moment"
X Link 2025-12-09T18:40Z 1436 followers, XXX engagements

"@weary_centurion Haha good attitude let them rant Your following is several times bigger than mine and youre known for being long $PYPL so I expect youll get a lot haha"
X Link 2025-12-09T18:42Z 1421 followers, XXX engagements

"@Mr_Derivatives Im really struggling with engagement recently for some reason and this is great to see a big motivation - thanks for sharing"
X Link 2025-12-09T21:21Z 1421 followers, XX engagements

"Good day for growth names in the portfolio today $ROOT +3% $FOUR +2% $ZETA +3% $DLO +2% Strongly debating starting small positions in $HIMS and $MELI too - I really like both at this price"
X Link 2025-12-10T20:14Z 1435 followers, XXX engagements

"@Spike_1567 Not business wise but I think theyre both slow growing but undervalued stocks buying back lots of shares and with terrible sentiment"
X Link 2025-12-11T07:15Z 1435 followers, XX engagements

"@Luce_On_TSLA I actually think stablecoins could be a tailwind for $DLO They could make payments easier but $DLO would still be needed for off ramps to banks etc and compliance"
X Link 2025-12-10T21:03Z 1436 followers, XXX engagements

"@RahulSetty_ @CarioCapital What did you dislike about $DLO Particularly interested because that and $FOUR are two of my biggest positions"
X Link 2025-12-10T22:20Z 1436 followers, XXX engagements

"@CapexAndChill Makes complete sense - now looks great Out of interest though how much is that spike at the beginning dragging up the median though If the graph starts at a different time like Jan XX or maybe much earlier how does the max median and min look"
X Link 2025-12-10T22:27Z 1436 followers, XXX engagements

"Theres concerns about $FOUR growth saying it relies on M&A and debt In Q3 it grew XX% YoY organically Even if it only grows organically averaging XX% for next X years And with margins lower than any quarter in the last two years The upside is XXX% - INSANE valuation"
X Link 2025-12-02T18:53Z 1436 followers, 8525 engagements

"@DAVYinvests What is special about $ODD that other businesses couldnt replicate"
X Link 2025-12-11T19:17Z 1436 followers, XXX engagements