@granaresearch Grana Research

Grana Research posts on X about $wise, wise, $wisel, $rely the most. They currently have [---] followers and [--] posts still getting attention that total [--] engagements in the last [--] hours.

Engagements: [--] #

[--] Week [--] -78%
[--] Month [-----] +76%
[--] Months [------] +109%

Mentions: [--] #

[--] Month [--] -47%
[--] Months [--] +86%

Followers: [---] #

[--] Week [---] no change
[--] Month [---] +24%
[--] Months [---] +93%

CreatorRank: undefined #

Social Influence

Social category influence stocks 56.52% cryptocurrencies 41.3% finance 28.26% technology brands 21.74% exchanges 4.35% fashion brands 2.17%

Social topic influence $wise #11, wise 28.26%, $wisel #6, $rely 10.87%, investment 8.7%, in the 8.7%, $four 8.7%, market 8.7%, $psix 6.52%, money 6.52%

Top accounts mentioned or mentioned by @kaarmann @saveonsend @bobspaysubstack @rookisaacman @blondesnmoney @johnhuber72 @investornick @alertsbullish @finchatio @realroseceline @mmoney642 @wise @bourboncap @finfluentialx @jgnuke @insaneanalyst @deepicevalue

Top assets mentioned Wise (WISE) Remitly Global, Inc. (RELY) 4 (FOUR) Global Payments Inc (GPN) Generac Holdings Inc. (GNRC) Circle Internet Group, Inc. (CRCL) Mario Coin (COIN) Abercrombie & Fitch Co. (ANF) Toast, Inc. (TOST) Fiserv, Inc. (FI) DLocal Limited (DLO) Fiserv Inc (FISV) Microsoft Corp. (MSFT) Morgan Stanley (MS) First Citizens BancShares, Inc. (FCNCA) Lululemon Athletica Inc (LULU) XRP (XRP) Dave Inc. (DAVE) Booking Holdings Inc (BKNG) Expedia Group Inc (EXPE) NXP Semiconductors NV (NXPI) Texas Instruments (TXN) Block, Inc. (XYZ) Synopsys, Inc. (SNPS) NVIDIA Corp. (NVDA) Advanced Micro Devices (AMD) Western Union Co (WU) Alphabet Inc Class A (GOOGL) TripAdvisor, Inc. (TRIP) BlackRock Inc (BLK) Ameriprise Financial, Inc. (AMP) Sezzle Inc. Common Stock (SEZL) NuCypher (NU) Jack Henry & Associates, Inc. (JKHY) Beyond Meat, Inc. (BYND) Rigetti Computing, Inc. Common Stock (RGTI) Hims & Hers Health, Inc. (HIMS) Oscar Health, Inc. (OSCR) Netflix Inc (NFLX) Magnite, Inc. Common Stock (MGNI)

Top Social Posts

Top posts by engagements in the last [--] hours

"Wise $WISE $WISE.L is one of the best investment opportunities across fintechs. It's trading at a [----] FCF yield of 5.84% with a projected FCF CAGR of 17.2% through [----]. A deep-dive research on the stock is presented here: https://www.granaresearch.com/p/wise-a-disruptor-in-the-remittancer=583zc8&utm_campaign=post&utm_medium=web&showWelcomeOnShare=false https://www.granaresearch.com/p/wise-a-disruptor-in-the-remittancer=583zc8&utm_campaign=post&utm_medium=web&showWelcomeOnShare=false"
X Link 2025-07-23T12:07Z [---] followers, 17.6K engagements

"@blondesnmoney It is also worth noting the explosive growth in demand for engines at Weichai as well as Generacs $GNRC optional expansion into generators for data centers. $PSIX has several potential catalysts"
X Link 2026-01-16T13:36Z [---] followers, [---] engagements

"The likelihood that Power Solutions International $PSIX is involved in the supply chain of Generacs $GNRC large data-center gensets for the U.S. market appears high as this conclusion is supported by several independent sources: In Tegus interviews former PSI executives and industry experts consistently describe the company as a key adaptation and integration layer for Weichai/Baudouin engines to meet EPA UL and NFPA requirements - without which large-scale deployment of large-bore engines in the U.S. would be virtually impossible; Those same interviews indicate that Generac was historically"
X Link 2026-01-16T17:52Z [---] followers, 18.3K engagements

"I'm happy to share my updated $WISE model following the Q1 trading update with anyone who follows this account and reposts this post. Once youve done that feel free to DM. A few thoughts on the $WISE $WISE.L update: At first glance the numbers looked soft revenue and underlying income came in below expectations. But once I ran the update through my model it became clear the market overreacted. Shares dropped 10% early in the session then recovered to -6.5% by the close. Most likely other investors just needed time to rework their models too. Why the results aren't bad at all: Active customers"
X Link 2025-07-17T14:54Z [---] followers, [----] engagements

"Congratulations to $WISE $WISE.L and its holders on a very solid Q3 performance. Results came in ahead of our expectations across most operating metrics with the only notable exception being customer balances. The performance is particularly impressive given the headwinds in one of the largest remittance corridors the US-Mexico corridor. We would especially call out the continued strength and momentum in the Business segment. It would be highly interesting to get more clarity on the contribution from the Platform offering @kaarmann https://twitter.com/i/web/status/2013575558437781609"
X Link 2026-01-20T11:33Z [---] followers, [----] engagements

"While the market is buzzing with talk about crypto revolutionizing finance $WISE Currencycloud $V and Airwallex are quietly carving up a market worth tens of trillions of dollars. And yes Wise is a strong contender for the biggest slice. $CRCL $COIN $RELY Standard Chartered ✅ Morgan Stanley ✅ UniCredit ✅ Legacy banks start moving. I expect many similar PRs over the coming years. Slow and steady. I'm glad I sized $WISE with conviction around a year ago. There's a lot of news around stablecoins right now but Wise is executing https://t.co/1S09KPjevG Standard Chartered ✅ Morgan Stanley ✅"
X Link 2025-07-16T13:14Z [---] followers, [---] engagements

""Ben Graham said that the market is there to serve us not to be its master. Fortunately there are some great businesses with management teams who understand this: Natural Resource Partners $NRP Medical Facilities $MFCSF and First Citizens $FCNCA are three examples that come to mind that briefly traded at this level at points in the last few years." @JohnHuber72 👏"
X Link 2025-07-16T13:54Z [---] followers, [---] engagements

"@Investor_NICK_ you need to recalculate EBITDA. But anyway $ANF is one of the best apparel stocks right now. Much better than $LULU and other fintwit favourites"
X Link 2025-07-18T06:36Z [--] followers, [--] engagements

"The graveyard of crypto MTOs by @SaveOnSend. Tell me once again how crypto will disrupt the money transfer industry $WISE $RELY $XRP $COIN $CRCL"
X Link 2025-07-18T07:35Z [---] followers, [---] engagements

"Former Senior Product Marketing Manager at $DAVE about the company's underwriting model"
X Link 2025-07-18T17:36Z [--] followers, [--] engagements

"Some thoughts on Expedia $EXPE. We plan to allocate approximately 5% of our portfolio's NAV to the company. The position is already 50% built. I wouldn't bet on Expedia being a multibagger. However in my opinion the risk/reward is significantly skewed in our favor. Why 1/ Most Europeans dont realize that Booking $BKNG doesnt dominate the U.S. market. Expedia is a leader in U.S. online bookings accounting for around 10% of all booked room nights domestically. Concerns that Expedia would lose share to Booking have largely driven the stock's underperformance. But recent traffic data suggest that"
X Link 2025-07-22T14:30Z [--] followers, [--] engagements

"@Alerts_Bullish @finchat_io $RELY is less profitable despite the take rate of 2.5% vs 0.52% Wise's"
X Link 2025-07-23T07:26Z [---] followers, [---] engagements

"The earnings reports from $NXPI and $TXN clearly illustrate why you need to get positioned well before a cyclical recovery actually begins. I know quite a few PMs who started building positions right around the start of earnings season"
X Link 2025-07-23T08:27Z [---] followers, [---] engagements

"@bobspaysubstack It will be intriguing to see $FOUR $TOST and $XYZ results"
X Link 2025-07-23T13:34Z [---] followers, [---] engagements

"@realroseceline Hold $ANF for the same reason"
X Link 2025-07-25T07:06Z [---] followers, [--] engagements

"@SaveOnSend How their take rate may be similar considering that $RELY makes $1.26B in revenue processing 54.62B volume (2.3% take rate)"
X Link 2025-08-04T15:59Z [---] followers, [---] engagements

"@MMoney642 $DAVE's impressive results are only due to taking on greater risk. Hence the rise in delinquencies and the markets reaction"
X Link 2025-08-06T16:11Z [---] followers, [---] engagements

"Initiated position today $SNPS Synopsys murdered by Intel lol. Synopsys murdered by Intel lol"
X Link 2025-09-10T16:08Z [---] followers, [----] engagements

"Let's make an assumption that the investment commitments in OpenAI from Nvidia $NVDA and $AMD - in exchange for large GPU purchase agreements - are effectively an attempt to capitalize the discounts. If we run these amounts through the chip designers P&L at what gross margin are they now effectively offering those GPUs"
X Link 2025-10-07T07:47Z [---] followers, [---] engagements

"Wise $WISE $WISE.L currently has the lowest take rate in the industry charging customers just 0.52%. Western Union's $WU take rate is 3.5% and Remitly's $RELY is 2.3%. This massive gap is primarily the result of Wises robust infrastructure. Why cant competitors replicate this infrastructure Traditional banks dont pursue this for two main reasons: 1/ Money transfers represent a negligible share of their business roughly 0.5% of total banking revenue and about 1-1.5% of consumer banking income. 2/ There is an informal barter system between banks where correspondent banking is just one part of a"
X Link 2025-07-21T07:55Z [---] followers, 11K engagements

"My first deep dive on Wise $WISE $WISE.L is now available on Substack free to read. Like and subscribe Wise: A Disruptor in the Remittance Market https://www.granaresearch.com/p/wise-a-disruptor-in-the-remittancer=583zc8&utm_campaign=post&utm_medium=web&showWelcomeOnShare=false https://www.granaresearch.com/p/wise-a-disruptor-in-the-remittancer=583zc8&utm_campaign=post&utm_medium=web&showWelcomeOnShare=false"
X Link 2025-07-21T18:16Z [---] followers, [---] engagements

"Wise $WISE $WISE.L is one of the best investment opportunities across fintechs because: Wise offers the lowest-cost solution in the industry: the average take rate for personal transfers is 0.57% and for business transfers 0.39%. The blended take rate stands at 0.52% down from 0.64% a year earlier. For comparison Western Unions rate remains around 3.5% and Remitlys at 2.3%. The low take rate is a result of Wises advanced infrastructure which took years to build. Replicating it is difficult requiring dozens of integrations licenses and regulatory approvals across jurisdictions. This creates a"
X Link 2025-07-22T07:05Z [---] followers, [---] engagements

"Visas $V management shared their view on where stablecoins might be used. In our opinion only the first use case is likely to materialize. In our Deep Dive on Wise $WISE $WISE.L we highlighted why crypto has failed to become a disruptive force in the personal remittance market. https://twitter.com/i/web/status/1950477589350412707 https://twitter.com/i/web/status/1950477589350412707"
X Link 2025-07-30T08:44Z [---] followers, [----] engagements

"Another big win for Wise $WISE $WISE.L. Congratulations @Wise @kaarmann Few people noticed but the business segment showed strong results last quarter. It will be extremely interesting to watch Wise Business over the next few years. Wise is still so underfollowed that this $Wise - $Goog partnership news didnt make it to my timeline. https://t.co/ies3sxlNMY Wise is still so underfollowed that this $Wise - $Goog partnership news didnt make it to my timeline. https://t.co/ies3sxlNMY"
X Link 2025-08-13T07:14Z [---] followers, [---] engagements

"Multiples and results forecast based on my assumption after the earnings release $WISE $WISE.L"
X Link 2025-11-06T16:59Z [---] followers, [----] engagements

"@BourbonCap $pbi"
X Link 2025-12-30T13:52Z [---] followers, [---] engagements

"@bobspaysubstack Probably short $GPN was a funding for $FI long"
X Link 2025-07-23T14:45Z [---] followers, [---] engagements

"Visa Direct $V has signed several notable partners to provide them with money transfer infrastructure. This market is highly competitive with players like $WISE Airwallex Nium and Currencycloud (a part of Visa Direct). In our deep dive on Wise we included a brief comparison of Wise Platform with its competitors"
X Link 2025-07-30T07:46Z [---] followers, [---] engagements

"$TOST and $FOUR are under pressure following Bairds comments"
X Link 2025-09-22T15:50Z [---] followers, 16.1K engagements

"$PBI FCF forecast by GS. It looks like the company is capable of buying itself out. What am I missing"
X Link 2025-11-05T15:12Z [---] followers, [----] engagements

"@FinFluentialx @JG_Nuke The street modeled $29.74 bn in accounts receivable. In reality NVDA has $33.39 bn"
X Link 2025-11-20T08:51Z [---] followers, [--] engagements

"The fourth-largest shareholder of $TRIP after BlackRock Ameriprise and Vanguard is the activist fund Starboard Value which holds 8.13% of the shares. In addition 4.06% of the company is owned by Certares Management an investment firm connected to former board member Greg OHara. While serving on the board OHara played an active role in the negotiations with Liberty and stepped down in Q3; however in Q2 his firm more than doubled its stake in TRIP (from 1.5% to 4.06%). Another activist Palliser Capital holds 1.06%. Taken together this creates a highly compelling setup: 1/ there are major"
X Link 2025-11-25T15:20Z [---] followers, [---] engagements

"Its nice to see the founder of $SEZL quoting Buffett. Yet another reason to be a FinTwit darling"
X Link 2025-12-18T14:36Z [---] followers, [----] engagements

"When valuing Shift4 $FOUR you should not rely on data from aggregators. In addition to various adjustments it is also important to carefully assess the companys complex capital structure. The company has [----] million Class A common shares [----] million Class B shares and [---] million Class C shares. The Class B shares are owned by Jared Isaacmans company Rook which in turn owns an interest in Shift4 LLC. As a result @rookisaacman receives a share of the LLCs profits. The key point is that Class B and Class C shares can also be treated as Class A shares since they can be converted on a 1:1 basis"
X Link 2026-01-05T12:37Z [---] followers, [---] engagements

"Even after an 80% rally off the lows SoftwareOne $SWON $SWONF - one of the largest Microsoft resellers - still trades at a deep discount to publicly listed peers. Notably Bytes Technology $BYIT went through a comparable sell-off in the summer of [----] following Microsofts incentives changes yet it still trades at a substantial premium. Screenshot from Emeth Values H1 [----] letter. https://twitter.com/i/web/status/2008464571665723560 https://twitter.com/i/web/status/2008464571665723560"
X Link 2026-01-06T09:04Z [---] followers, [--] engagements

"Even after an 80% rally off the lows SoftwareOne $SWON $SWONF - one of the largest $MSFT resellers - still trades at a deep discount to publicly listed peers. Notably Bytes Technology $BYIT went through a comparable sell-off in the summer of [----] following Microsofts incentives changes yet it still trades at a substantial premium. Screenshot from Emeth Values H1 [----] letter. https://twitter.com/i/web/status/2008465004723667426 https://twitter.com/i/web/status/2008465004723667426"
X Link 2026-01-06T09:05Z [---] followers, [---] engagements

"Just a small comparison: Revolut has 65+ million users with a valuation in the latest round of $75 billion or about $1.2K per user. If we value $NU just as roughly we get a fair value of $130+ billion. Some will say that Revoluts user LTV is much higher due to its exposure to developed markets. The Mexican fintech startup Plata has around 2-2.5 million users with a valuation of $3.1-3.3 billion. That is roughly $1.3K per user. $NU has [----] million clients in Mexico alone which implies a valuation of the regional business of $18 billion and a valuation of the whole company of $160+ billion."
X Link 2026-01-06T09:25Z [---] followers, [---] engagements

"It will stop when $WISE market share exceeds critical mass :) The idiocy of repeating "the average price of sending a $200 remittance is 6+%" is never going to stop is it The idiocy of repeating "the average price of sending a $200 remittance is 6+%" is never going to stop is it"
X Link 2026-01-08T20:17Z [---] followers, [---] engagements

"@insane_analyst Any thoughts on the wafers' producers (Sumco Shin Etsu)"
X Link 2026-01-15T14:29Z [---] followers, [---] engagements

"Comments from a Director at Global Power Supply on Enchanted Rocks positioning in the data center power market. Enchanted Rock is one of the major buyers of $PSIX enclosures. Note how precisely the building blocks of engines thesis aligns with CEO Dino Xykis commentary"
X Link 2026-01-15T17:51Z [---] followers, [----] engagements

"Congratulations to $WISE $WISE.L and its holders on a very solid Q3 performance. Results came in ahead of our expectations across most operating metrics with the only notable exception being customer balances. We would especially call out the continued strength and momentum in the Business segment. It would be highly interesting to get more clarity on the contribution from the Platform offering @kaarmann https://twitter.com/i/web/status/2013571305614831874 https://twitter.com/i/web/status/2013571305614831874"
X Link 2026-01-20T11:16Z [---] followers, [--] engagements

"A few words about the conflict between $WISE $WISE.L co-founders Hinrikus and Krmann. Hinrikus has long been removed from the companys day-to-day operations. While his grievance may be legitimate I dont believe he has much chance of success. I assume most shareholders would be content if Krmann retained control. So far he has proven to be an extremely effective manager. In any case a conflict (or even a potential conflict) between the two largest shareholders is never a positive development. That said I dont think it will have any real impact on the quality of corporate governance. After all"
X Link 2025-07-22T08:38Z [---] followers, [----] engagements

"Fiserv $FI confidently dominates the core banking systems market both among banks and credit unions. This service is extremely sticky due to the very high switching costs. It is worth noting that the annual revenue of Jack Henry $JKHY is roughly 10x smaller"
X Link 2025-08-18T17:03Z [---] followers, [----] engagements

"@DeepIceValue $BYND $EVO.ST $HIMS $OSCR $RGTI"
X Link 2025-10-25T17:49Z [---] followers, [---] engagements

"Ad-tech companies are often among the worst offenders when it comes to capital allocation. However in light of Netflixs $NFLX recent results the sector deserves a closer look. Take Magnite $MGNI as an example. As a clear leader in the roughly $50B connected TV advertising market Magnite has significant exposure to Netflix which went from zero revenue contribution in [----] to becoming its largest customer. Magnites take rate typically ranges from 5% to 15% with Netflix likely closer to the low end (5%). On this basis revenue attributable to Netflix alone could increase by approximately $75"
X Link 2026-01-21T11:17Z [---] followers, [---] engagements

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