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@bobspaysubstack Avatar @bobspaysubstack Bob's Payment Stock Substack

Bob's Payment Stock Substack posts on X about $fi, $four, $adyen, $jkhy 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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CreatorRank: XXXXXXXXX #

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Social Influence #

Social category influence stocks finance cryptocurrencies technology brands

Social topic influence $fi #32, $four #35, $adyen #12, $jkhy #2, $gpn #5, $cpay #3, fintech #198, henry #1256, $axp #207, $xyz #30

Top assets mentioned Fiserv, Inc. (FI) 4 (FOUR) Jack Henry & Associates, Inc. (JKHY) Global Payments Inc (GPN) Corpay, Inc. (CPAY) American Express Company (AXP) Block, Inc. (XYZ) PayPal Holdings Inc (PYPL) Shopify Inc (SHOP) BILL THE BEAR (BILL) Affirm Holdings, Inc. Class A Common Stock (AFRM) Zoetis Inc (ZTS) WEX (WEX) Toast, Inc. (TOST) Thermo Fisher Scientific Inc. (TMO) StaFi (FIS) Goldman Sachs (GS) GammaSwap (GS) Apple, Inc. (AAPL) DLocal Limited Class A Common Shares (DLO) S&P Global Inc (SPGI) Tradeweb Markets Inc. Class A Common Stock (TW) MarketAxess Holdings Inc. (MKTX) Paylocity Holding, Corp. (PCTY) Adappter Token (ADP) Airbnb Inc (ABNB) Msci Inc (MSCI) Factset Research Systems, Inc. (FDS) Paypex (PAYX) Accenture (ACN)

Top Social Posts #

Top posts by engagements in the last XX hours

"Some thoughts on Shift4 $FOUR (I am long but increasingly cautious on the name): X. $FOUR is one of the worst offenders in terms of earnings add-backs. Over the LTM XXXX% of $FOUR's adjusted EBITDA was from SBC acquisition restructuring integration FX and other non-recurring costs. Yes the stock is inexpensive but it also isn't as cheap as headline multiples suggest. X. Organic growth isn't easily determined which is a problem. $FOUR relies on acquisitions to fill it's cross-sell funnel which drives a spurt of 'organic' growth in the near-term after an acquisition is completed and revenue"
X Link @bobspaysubstack 2025-09-24T16:30Z 1018 followers, 24.4K engagements

"Bottom line: I still believe #Payments is an attractive area to invest. Some very good companies being cast aside. Tape action has been dreadful. Feels awful but Im staying the course. Would love to see some more broad-based insider buying. Im long $V $GPN $FI and $FOUR"
X Link @bobspaysubstack 2025-09-25T19:52Z 1017 followers, 1739 engagements

"Comparing $AFRM to $AXP is misguided. $AXPs strongest age group is Gen Z so theres no indication higher spending more affluent younger individuals are choosing BNPL over $AXP to any great degree. More likely BNPL is displacing basic credit cards among younger individuals. The long-term problems with BNPL is credit performance (an unknown) and the merchant funded model. If you think merchants are upset about paying a XXX% credit card interchange rate Id have to believe they will be really displeased with paying 4-5% for an increasing mix of BNPL"
X Link @bobspaysubstack 2025-10-13T21:41Z 1017 followers, XXX engagements

"Ill take Zoetis $ZTS around $XXX adding some here also picked up more $TMO today"
X Link @bobspaysubstack 2025-09-09T16:32Z 1017 followers, XXX engagements

"Square $XYZ Global Payments $GPN and Fiserv's $FI Clover all expect volume growth to accelerate in H2. At the moment feel most confident in Square making that a reality"
X Link @bobspaysubstack 2025-09-10T11:04Z 1016 followers, 1405 engagements

"$GPN is an equally worse offender in terms of consistently adding back non-recurring items. But by any objective measure they are cheap and cheaper than $FOUR. I own both stocks. These are good businesses and deserve to be higher but complexity and poor earnings quality definitely works against them. They have to clean it up"
X Link @bobspaysubstack 2025-10-09T13:22Z 1017 followers, XXX engagements

"Fiserv $FI mentioned more pricing competition in core banking due to slower activity and implementations. Relevant for Jack Henry $JKHY and $FIS"
X Link @bobspaysubstack 2025-07-23T12:37Z 1018 followers, XXX engagements

"Agree that HSA is a good business for $WEX. I believe you're mistaken on Fleet though. $WEX works with large partners (Exxon Chevron and other oil majors and the largest leasing companies) and has large customers (state governments GSA and major corporations) whereas $CPAY is selling more directly to small fleets where pricing is more favorable. The crown jewel for $CPAY is is B2B Payments which is more than XX% of their business and growing above mid-teens organically. At the end of the day I think both these stocks deserve to go higher but I still prefer $CPAY"
X Link @bobspaysubstack 2025-09-28T03:43Z 1017 followers, XXX engagements

"Gotta love $GS going to Sell on PayPal $PYPL with a price target above last Fridays close. A reminder that in most cases the sell side mandates a certain % of analyst ratings be Sell or U/W. Analysts are optimistic by nature hence the rule. In regard to the points expressed they seem fair but have likely been priced in. To me material downside for $PYPL from these levels is unlikely but I dont have a ton of conviction that the business will accelerate to the targets laid out by management capping potential upside"
X Link @bobspaysubstack 2025-10-13T13:19Z 1017 followers, 1094 engagements

"Nos. 10-6 in My Top XX Businesses in Payments and FinTech: XX - Corpay $CPAY X - Shift4 Payments $FOUR X - American Express $AXP X - Fiserv $FI X - Jack Henry $JKHY"
X Link @bobspaysubstack 2025-07-22T15:08Z 1017 followers, XXX engagements

"Jack Henry $JKHY reported a monster deconversion number after the close signifying small bank M&A is back. $20.5M in fiscal Q4 was greater than all of fiscal 2024. Assuming this run-rate holds (a big if) it could mean nearly $X of EPS for $JKHY in FY26 implying 22.5x"
X Link @bobspaysubstack 2025-08-12T11:10Z 1018 followers, XXX engagements

"@Tintincapital Im just using consensus NTM which will capture the first XX months. The point Im trying to make is that a lot of the financial data platforms are picking up on the impact on EDITDA and FCF from GB but not capturing true market cap and EV of $FOUR"
X Link @bobspaysubstack 2025-10-09T12:23Z 1017 followers, XX engagements

"Why Im cautious on PayPal $PYPL: Among PSPs they cant compete with $ADYEN for enterprises and cant match the tools $SHOP provides SMBs to sell. On wallets their scale has been neutralized by $AAPL Pay and the consumer experience is virtually identical"
X Link @bobspaysubstack 2025-09-09T13:28Z 1017 followers, 1863 engagements

"Jack Henry $JKHY guiding to XXX% organic revenue growth (midpoint) in FY26 (similar to FY25) is somewhat disappointing. GAAP EPS guide is meaningless w/just $16MM in deconversion fees assumed for FY vs. $20.5MM in Q4. Interested to see stock trade tomorrow. Guessing down"
X Link @bobspaysubstack 2025-08-19T21:41Z 1018 followers, XXX engagements

"Adyen $ADYEN is No. X on my list of the Top XX Businesses in #Payments and #FinTech Check it out"
X Link @bobspaysubstack 2025-09-08T18:32Z 1017 followers, XXX engagements

"I refuse to believe the market is going to permanently place a single digit or low DD PE on a business that grows revenue organically 6-8% and EPS by double-digits. If they do then my investment in $FI and $GPN probably wont be as successful as I hope. I think these are good businesses that deserve much higher multiples based on my belief that growth is more durable than the market expects"
X Link @bobspaysubstack 2025-10-01T22:26Z 1016 followers, XXX engagements

"Adyen $ADYEN Headcount Impact in Charts: In 2022/2023 Adyen significantly increased headcount while cost per employee soared"
X Link @bobspaysubstack 2025-09-08T19:00Z 1017 followers, XXX engagements

"Here is my list of the Top XX Businesses in #Payments and #FinTech so far: No. XX - Corpay $CPAY No. X - Shift4 $FOUR No. X - American Express $AXP No. X - Fiserv $FI No. X - Jack Henry $JKHY No. X - Toast $TOST No. X - Adyen $ADYEN 👇"
X Link @bobspaysubstack 2025-09-08T19:21Z 1017 followers, 1012 engagements

"Corpay $CPAY and $BILL both took it on the chin today. Have to believe it's due to stablecoin implications for cross-border B2B payments which are big money makers for these companies along with virtual card"
X Link @bobspaysubstack 2025-06-13T20:07Z 1018 followers, XXX engagements

"Built-In Growth: I estimate Adyen $ADYEN will generate XX% processed volume growth through 2029 from its existing base as customers grow and $ADYEN captures greater wallet share"
X Link @bobspaysubstack 2025-09-08T18:40Z 1017 followers, XXX engagements

"@FilipKnezevic15 I know of $DLO but have never followed them closely. I plan to research and write about them more fully in the future"
X Link @bobspaysubstack 2025-10-10T12:59Z 1017 followers, XXX engagements

"Adyen's $ADYEN headcount has grown substantially more than high-growth peers. As a result even though Adyen's net revenue will be up XXX% vs. 2018 2025 EBITDA margin will be flat with 2018. $TOST $SHOP $XYZ"
X Link @bobspaysubstack 2025-09-08T18:52Z 1018 followers, 1101 engagements

"Ran into a couple more $XYZ @Square sellers today. One at a pumpkin patch and the other at a local cafe. Really their bread and butter when you think about it"
X Link @bobspaysubstack 2025-10-11T19:27Z 1017 followers, 1650 engagements

"$FOUR is cheap but not that cheap. Some of the financial data platforms seem to be way off the mark. Here is how I calculate the valuation for $FOUR which yields NTM P/FCF of 16.7x and NTM EV/EBITDA of 11.9x: Market Cap: Per $FOUR following the mandatory convertible preferred issuance to fund the Global Blue (GB) acquisition non-GAAP shares are 99.3MM. With a share price of $XXXXX $FOURs market cap is $7894MM. Enterprise Value: As of 6/30/25 $FOUR had $3732MM of debt and $3029MM of cash on its B/S. However $FOUR still needs to absorb approximately $2500MM for the GB acquisition. This brings"
X Link @bobspaysubstack 2025-10-09T12:01Z 1017 followers, 20.2K engagements

"I'm not saying select merchants are displeased now because they have to pay a higher fee (on a small subset of their volume) than credit interchange. This is still a (relatively) niche product compared to credit cards and merchants are differentiating themselves by partnering with $AFRM and other BNPL providers to drive incremental sales. I'm simply suggesting that the economic model will not survive as BNPL becomes more mainstream and commoditized. You cannot extrapolate significantly more BNPL volume with similar economics for $AFRM or others because merchants won't pay 4-5% for a service"
X Link @bobspaysubstack 2025-10-14T15:56Z 1017 followers, XX engagements

"Im not as close to $WEX as I have been in the past. Much more up to speed on Corpay $CPAY which is a name I like. My previous feelings on $WEX were that customer concentration hedging and fuel price exposure were issues that contributed to a low multiple. I dont know if theyve done anything to address but stock looks dirt cheap which is a familiar refrain across Payments. Fiserv $FI continues to be my favorite"
X Link @bobspaysubstack 2025-09-26T02:56Z 1017 followers, XXX engagements

"Places where Im looking to put new money to work: Financial Data and Exchanges: $MSCI $FDS $SPGI $TW $MKTX Payments: $FI $ADYEN Payroll: $PCTY $PAYX $ADP Animal Health: $ZTS Travel: $ABNB"
X Link @bobspaysubstack 2025-10-04T15:33Z 1016 followers, XXX engagements

"@QualityInvest5 I agree that Clover and the bank technology business are far better for Fiserv $FI than anything PayPal $PYPL can bring to the table"
X Link @bobspaysubstack 2025-10-12T20:00Z 1017 followers, XXX engagements

"Despite its many positive attributes Jack Henry's $JKHY inability to sustain margin expansion and lagging free cash flow conversion has pressured its multiple. Still it ranks No. X on my Top XX Businesses in Payments and FinTech"
X Link @bobspaysubstack 2025-07-22T15:03Z 1018 followers, 1340 engagements

"You know the drill: Buying more Fiserv $FI. Loved it at $XXX. Love it even more at $XXX. Patience"
X Link @bobspaysubstack 2025-10-01T16:37Z 1017 followers, 2404 engagements

"Heres my #Payments plays: Deep Value: Global Payments $GPN GARP: Fiserv $FI Growth: Adyen $ADYEN SMID: Corpay $CPAY Spec/Takeout: BILL Holdings $BILL"
X Link @bobspaysubstack 2025-10-03T18:13Z 1018 followers, 1416 engagements

"@SemiTgtPrince $FI is my favorite name in payments right now which Im actively buying. I also hold $V $GPN and $FOUR"
X Link @bobspaysubstack 2025-10-09T19:16Z 1017 followers, XXX engagements

"Shopify $SHOP is No. X on my list of the Top XX Businesses in Payments and FinTech. I love the company but the stocknot so much"
X Link @bobspaysubstack 2025-10-15T17:33Z 1017 followers, XXX engagements

"Jack Henry $JKHY looking more reasonable here. But why buy it in the low 20x when you can have Fiserv $FI at 12.5x My position in Fiserv $FI is up to XXX shares"
X Link @bobspaysubstack 2025-08-20T16:01Z 1017 followers, XXX engagements

"My $BILL 10-year forecast 👇"
X Link @bobspaysubstack 2025-09-22T18:58Z 1018 followers, XXX engagements

"Here's the article I published on Accenture $ACN earlier this week. Despite a historically low valuation I'm still not comfortable buying this stock due to the risks from AI"
X Link @bobspaysubstack 2025-10-03T17:45Z 1017 followers, 1278 engagements