@placeholder_v01 Avatar @placeholder_v01 Placeholder_v01 | $BILL 💵

Placeholder_v01 | $BILL 💵 posts on X about $bill, ai, in the, money the most. They currently have [---] followers and [---] posts still getting attention that total [--] engagements in the last [--] hours.

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Social Influence

Social category influence stocks 83.33% finance 26.47% technology brands 14.71% automotive brands 2.94% financial services 1.96% celebrities 0.98% social networks 0.98% countries 0.98% currencies 0.98%

Social topic influence $bill #46, ai 15.69%, in the 5.88%, money 3.92%, $pypl 3.92%, growth 3.92%, products 3.92%, vibe coding 2.94%, market 2.94%, accounting 2.94%

Top accounts mentioned or mentioned by @iotaresearch @dalibali2 @tmtlongshort @chipsahoycap @bobspaysubstack @billythekid59 @diogomonica @teabagcapital @ottavicap @thestalwart @balajis @27xvii @jayagup10 @atelicinvest @pitandhummus @waterworldcapi1 @miketaylor1972s @akramsrazor

Top assets mentioned Bill.com Holdings, Inc. (BILL) PayPal Holdings Inc (PYPL) AvidXchange Holdings, Inc. (AVDX) Salesforce Inc (CRM) Apollo Global Management, Inc. (APO) Carvana Co. (CVNA) Dayforce, Inc. (DAY) Klarna Group plc (KLAR) Marqeta, Inc. (MQ) Pagaya Technologies Ltd. Class A Ordinary Shares (PGY) Alphabet Inc Class A (GOOGL) Shopify Inc (SHOP) Blackstone Secured Lending Fund (BXSL) Tesla, Inc. (TSLA) KKR & Co, Inc. (KKR) Blue Owl Capital, Inc. (OWL) American Express Company (AXP) Microsoft Corp. (MSFT) Robinhood Markets, Inc. (HOOD) CarMax, Inc (KMX) BOX, INC. (BOX) Affirm Holdings, Inc. (AFRM) RAI Finance (SOFI) Snowflake Inc. (SNOW) Adobe, Inc. (ADBE)

Top Social Posts

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

"$BXSL: 20% software 0% transparency"
X Link 2026-02-04T21:40Z [---] followers, [---] engagements

"$Bill if this thing gets sold the sale price should be between $60-75 (4-5x revenue) Anything less is not enough for an accel top line DD grower For perspective $Avdx was growing 2% at time of takeout Alpha group 34% Brex 50% (note: all these were sales to strategics) @BillyTheKid_59 @dalibali2 These are the precedents so probably in this area (6x fwd revenue) Implied EV of $9.6b at 6x (-) Net cash of $0.4 bn equity value of $9.2b 100m shares outstanding implies $92 / share Same steps at 4x revenue $60 / share @BillyTheKid_59 @dalibali2 These are the precedents so probably in this area (6x"
X Link 2026-02-07T23:28Z [---] followers, [---] engagements

"My finance professor is teaching valuation right now and he said he has lost a "large amounts of money" buying $Tsla puts. I love the guy but you honestly cannot make this stuff up"
X Link 2024-10-16T19:15Z [---] followers, [---] engagements

"Finished the $Crm book and considering it in the context of $Bill Should $Bill open up its platform to developers and have them build the AI / FinOps layer in exchange for rev share Since they are a laggard (features wise) opening up the platform seems rational Checking out this book to get more background on software (h/t @ChipsAhoyCap substack) Rn Benioff is describing how the original Salesforce web app was (a) easier to build than on prem software and (b) an extremely simple interface Sensing some parallels to vibe coding today https://t.co/KEj7j1MMo8 Checking out this book to get more"
X Link 2026-01-15T17:51Z [---] followers, [---] engagements

"Important distinction here between 'opening up the $Bill platform' (above) vs. Embed [---] which gives ERPs a B2B payments suite (see below) But. Embed is interesting too. The notion of "plug and play" is really compelling and suggests this tech could be leveraged by startups"
X Link 2026-01-15T17:59Z [---] followers, [--] engagements

"@diogomonica They plan to provide GPU equipment financing for AI datacenters contract-backed loans for defense startups and actual stablecoin operations that work. Seems like they are pushing into areas dominated by alts managers $Apo $Kkr $Owl"
X Link 2026-02-09T17:55Z [---] followers, [---] engagements

"Re: aggregation theory x $Apo Out of $83b of q4 Athene inflows $47b came from other insurers/AMs (FABN + Reinsurance) Competitors have thrown in the towel and cant compete with APOs origination scale Just like Amazon licensing the Bond franchise to Netflix In a similar vein worth monitoring $Apo in private credit. Apollo is anchored in origination strength across [--] origination platforms + their IG effort. Already has distribution strength through Athene AM and WM. Partnering with banks here is the endgame. https://t.co/B47FThyXis In a similar vein worth monitoring $Apo in private credit."
X Link 2026-02-10T15:48Z [---] followers, [---] engagements

"Wolfe: $Bill refocusing GTM resources towards upmarket strategy If you're a PE firm looking to buy Bill here do you see this through or do you look at the $566m S&M budget (38% of revenues) and chop off 75% of it on day 1"
X Link 2026-01-17T22:13Z [---] followers, [---] engagements

"Footnote: in FY [----] $Bill spent $544m to increase sales by $178mm (== 3.1x) $Avdx meanwhile spent $83 million to increase revenue by $58 million (different FYs ik; ==1.4x) $Axp (corp cards) and $Pypl (payments) are even more efficient than Avdx at 1x What's going on here"
X Link 2026-01-17T22:41Z [---] followers, [---] engagements

"Initial thoughts on what a PE playbook for $Bill could look like would really appreciate any and all feedback Trying to think about what drivers I would lean on to actually model this scenario"
X Link 2026-01-21T22:47Z [---] followers, [---] engagements

"$Bill paid $1.8mm in "Professional advisory fees related to shareholders' activism" in Q1'26 (period ended 9/30) Bloomberg report on 11/12 mentioned they engaged an advisor to explore a sale Curious where this will trend when Q2 reports on 2/5"
X Link 2026-01-26T15:47Z [---] followers, [---] engagements

"Seeing a lot of talk regarding how vibe coding will push every SW vendor to offer every feature $BILL seems to have preempted this with their Embed [---] offering (entire BILL platform whitelabeled through APIs) This is hyperbole but [--] ERP partners could become [---] in [--] years"
X Link 2026-01-27T15:46Z [---] followers, [---] engagements

"More on this here. How is every ERP going to use AI to go horizontal and offer AP/AR and expensing/corporate cards $Bill Embed [---] platform APIs. I know enough to be dangerous here but it seems very straightforward https://x.com/TMTLongShort/status/2016611758996082758s=20 This is what the bear case for software looks like. Seems unintuitive. Im using robinhood as an example because it is specifically not a traditional software name and seen as a clownshow. Just wait until Microsoft and Amazon start doing the equivalent. You need a throat"
X Link 2026-01-28T20:54Z [---] followers, [---] engagements

"@TeaBagCapital @iotaresearch It's a huge market $CVNA is growing fast and all of Carvana's competitors (dealerships ex $KMX) suck The market is clearly willing to overlook some crazy sh*t in order to own that story. Could be time to read the room (tape)"
X Link 2026-01-28T22:08Z [---] followers, [---] engagements

"Be $Bill 13% short interest Your biggest competitor is bigger and has unlimited money (+ Kevin Malone) It doesnt matter that investors thought youd steamroll your whole market in [----] All of your competitors get asked to the dance by PE or a strategic acquirer except you"
X Link 2026-02-04T06:42Z [---] followers, [---] engagements

"You spend 40% of your revenue on marketing to achieve 10% growth Your SMB customer base is broke [--] in [--] logos churn every year 20% of your revenue comes from subscriptions that cost 2-3x more than Ramp And this is also 20% too much exposure to seat based pricing"
X Link 2026-02-04T06:42Z [---] followers, [--] engagements

"Every activist hedge fund is betting on you. But are they ready for Kevin Malone at the Super Bowl Their rule of [--] target seems to be predicated on 0% growth 40% margins. Would this work Actually maybe Guess well learn on 2/5 earnings day"
X Link 2026-02-04T06:42Z [---] followers, [--] engagements

"Another finance professor: "Elon Musk is stupid but he has a lot of money""
X Link 2026-02-04T21:34Z [---] followers, [--] engagements

"@bobspaysubstack @ottavicap Great article the payments meltdown is still not squaring with me (so to speak) Agree that most of these are intensely physical and regulatorily sensitive businesses. Stablecoins are theoretically a threat but consumers have no incentive to use them Maybe macro is the issue"
X Link 2026-02-05T16:46Z [---] followers, [---] engagements

"$Bill Core revenue accelerating"
X Link 2026-02-05T21:25Z [---] followers, [----] engagements

"$Bill $400mm in commits to Supplier Payments Plus (New AR product)"
X Link 2026-02-05T21:48Z [---] followers, [---] engagements

"@TheStalwart EBITDA growth doesn't matter when these loans were made based on ARR That being said 70% equity cushion is no joke"
X Link 2026-02-05T21:57Z [---] followers, [---] engagements

"$Bill CFO: "will be thoughtful" about subscription pricing given new AI products Sounded like a pretty clear signal that price increases are on the way which could make sense as subscription rev mix has been ticking down Only issue: Ramp base subscription is 1/3 of BILL price"
X Link 2026-02-05T22:17Z [---] followers, [---] engagements

"@iotaresearch Total revenue of $415 million beat guidance of $395-405 million"
X Link 2026-02-05T22:59Z [---] followers, [--] engagements

"Board pressure to ship new products will drive adoption of $Bill Embed [---] Ben Thompson: ".the real risk I see for software companies is the fact that while they can write infinite software thanks to AI so can every other software company. I suspect this will completely upend the relatively neat and infinitely siloed SaaS ecosystem." https://t.co/md3Pu93n75 Ben Thompson: ".the real risk I see for software companies is the fact that while they can write infinite software thanks to AI so can every other software company. I suspect this will completely upend the relatively neat and infinitely"
X Link 2026-02-06T04:32Z [---] followers, [---] engagements

"@TMTLongShort Can you drop the sci fi recs 🫡 https://x.com/TMTLongShort/status/1971593817296928996s=20 You should be reading a lot more sci-fi & fantasy. Between now and true ASI the most valuable skill will be imagination and the ability to mentally simulate abstract future potential states quickly. The AI will provide the execution. The middle to middle as @balajis https://x.com/TMTLongShort/status/1971593817296928996s=20 You should be reading a lot more sci-fi & fantasy. Between now and true ASI the most valuable skill will be imagination and the ability to mentally simulate abstract"
X Link 2026-02-06T17:10Z [---] followers, [----] engagements

"Huge move in $Bill today Thinking back to the call last night was notable that they highlighted their network of [--] million SMBs - network effects have been identified as a characteristic of software businesses resilient to AI"
X Link 2026-02-06T17:17Z [---] followers, [---] engagements

"$Bill massive news and odd timing post earnings. With results like these I guess management had to test the market reaction Am finally drafting my long pitch after a month and a half of research so would be semi unfortunate if this is how it all ends $BILL H&F Said In Talks For Buyout Of Payments Firm Bill Holdings - Bloomberg $BILL H&F Said In Talks For Buyout Of Payments Firm Bill Holdings - Bloomberg"
X Link 2026-02-06T18:32Z [---] followers, [---] engagements

"$Bill Tbh "in talks" seems like a bit of a nothing burger especially with activists holding board seats. PE firms have probably been "in talks" for months If it was legit headline would say "H&F nears deal" or "private lenders working on deal""
X Link 2026-02-06T18:47Z [---] followers, [---] engagements

"Another $4.5 million in Q2 Basically a doubling but this aligns with the BBG report of " $Bill engaged a financial advisor to explore a sale""
X Link 2026-02-06T18:58Z [---] followers, [---] engagements

"$Bill "You're looking at it backward. The H&F leak was just a ploy to prop up the stock. Typical activist play to bail on a loser - they're animals. He wrote the story now he's out which means you need to be out in fact short. It'll slide to $42 and change after word breaks.""
X Link 2026-02-06T19:44Z [---] followers, [---] engagements

"Maybe this is survivorship bias but BBG was on the money with $Day back in August (see below) Official announcement took place [--] days after the BBG report was published Stock move today speaks for itself. Event sequence of good earnings + upbeat call -- takeover is odd though"
X Link 2026-02-07T05:25Z [---] followers, [--] engagements

"Still struggling to understand the customer value add here. Good for $Bill because it seemingly makes recipients accept virtual cards and credit cards Mgmt cites "enhanced reconciliation tools more data more efficiency" - curious about the degree to which this is the case"
X Link 2026-02-07T08:05Z [---] followers, [--] engagements

"@27XVII $Bill Or my personal favorite $Box (Levie and co. got realll cute with that KKR preferred stock deal [--] yrs ago)"
X Link 2026-02-07T15:48Z [---] followers, [--] engagements

"$Bill Invoice financing has been a really impressive growth story [--] -- $269mm of quarterly origination in [---] years earning =199bps of fees "In Q2 customers using invoice financing grew by nearly 50% year-over-year and the origination volume increased by more than 30%""
X Link 2026-02-07T16:33Z [---] followers, [--] engagements

"$Bill take rates over the past [---] years AP/AR (84% of volume) has edged up while S&E has been under pressure On the Q2 call: "S&E take rate was [---] basis points driven by volume and higher interchange verticals such as advertising and healthcare services""
X Link 2026-02-07T17:35Z [---] followers, [---] engagements

"Okay so I think I got it Seems like SPP was the missing piece to allow $Bill to succeed with truly larger customers. Done-for-you ERP reconciliation + no more paper checks Benefits Divvy because BILL controls the AR "portal" here so they can push/force credit card acceptance"
X Link 2026-02-07T20:08Z [---] followers, [--] engagements

"End of Q2'26 call Isn't this exactly what you say when you want to shield your company from a hostile takeover Note: Rene always has a closing comment. Q1 call had a similar statement ("durable growth over years ahead"). Q4'25 was more vague - "energized by opportunity ahead.""
X Link 2026-02-07T20:21Z [---] followers, [--] engagements

"Following up- This reporter often uses the words "Advanced talks" but this was absent for $Bill This headline only says "in talks" the article itself only says "has been in talks" (past tense) $Day (above) is a notable exception though BUT that report followed bad earnings"
X Link 2026-02-07T21:35Z [---] followers, [--] engagements

"MS views on $Bill AI defensibility Fortunately there is a single thing that they (or PE) can do to basically eliminate all of the issues in the bottom-center"
X Link 2026-02-09T14:06Z [---] followers, [---] engagements

"Still don't understand the company that well. But. Erebor getting a national charter means others will have to be approved or else admin gets accused of impropriety 1) $Klar - applied for US charter huge $Mq partner"
X Link 2026-02-09T19:28Z [---] followers, [---] engagements

"Same professor today: "Who pays when banks gamble with their depositors' funds" Me: "Other banks" Him: "Wrong The taxpayer" -- Reality:"
X Link 2026-02-09T21:29Z [---] followers, [--] engagements

"With $Afrm (alongside other fintech lenders $Klar $Pgy $Sofi) selling off MS upgrades to OW -BNPL payments share growing AFRM best in class -Unit economics improving due to rate cuts -New partnerships with FIS and FISV not reflected by consensus"
X Link 2026-02-03T22:14Z [---] followers, [---] engagements

"Taking this further what about $Mq Marqeta is used by all the fintech card issuers. These companies' product development will be boosted by AI allowing them to implement new features and better serve customers; banking charters also on the way Board pressure to ship new products will drive adoption of $Bill Embed [---] Board pressure to ship new products will drive adoption of $Bill Embed 2.0"
X Link 2026-02-07T05:44Z [---] followers, [---] engagements

"Okay if $Bill sells they're gonna have to qualitatively justify it on some level. Cost study + investor day are supposed to happen this quarter. Commentary has been continuously upbeat. Competition risk "AI execution" risk Lack of confidence in ability to cut costs End of Q2'26 call Isn't this exactly what you say when you want to shield your company from a hostile takeover Note: Rene always has a closing comment. Q1 call had a similar statement ("durable growth over years ahead"). Q4'25 was more vague - "energized by opportunity ahead." https://t.co/C9m0bjjuAl End of Q2'26 call Isn't this"
X Link 2026-02-10T17:42Z [---] followers, [---] engagements

"The other side: $Bill might just need a "sumo" sized premium"
X Link 2026-02-11T04:24Z [---] followers, [---] engagements

"Ok I think I got to the bottom of this $Bill reported great numbers on Friday (stock rallied 20%) which took H&F by surprise To minimize the "unaffected share price" that's used to calculate the premium on an offer H&F leaked the talks that day So basically desperation"
X Link 2026-02-11T05:37Z [---] followers, [---] engagements

"At the same time this logic implies that BILL has a bid at a certainly substatial premium. So we're back to square one; question becomes whether the board would bite"
X Link 2026-02-11T05:45Z [---] followers, [---] engagements

"If were ready to have this convo the below took about [--] minutes 1) [--] mins - tell Gemini to go into a bunch of fairness opinions and harvest precedents then find the premiums in press releases 2) [--] mins - Data cleaning with =AI() feature in $Goog Sheets 3) [--] min - formatting Historical premiums from previous software bear market (Q1'22 to Q2'23 inclusive) Once again this points to a $Bill takeout price of $60-65 https://t.co/udpQZ8kSzj Historical premiums from previous software bear market (Q1'22 to Q2'23 inclusive) Once again this points to a $Bill takeout price of $60-65"
X Link 2026-02-11T20:28Z [---] followers, [---] engagements

"Would it make sense for $Bill to have a forward flow agreement"
X Link 2025-12-22T15:03Z [---] followers, [---] engagements

"Working through some $Bill earnings calls. Interesting point from Q4 '25: 'aiming to drive increased subscription revenue from AI agents' "AI execution" still seems like a blurry picture but it sticks out given the dominance of transaction revenues in the biz today"
X Link 2025-12-23T20:28Z [---] followers, [--] engagements

"Should $Pypl buy $Bill Seems like a very reasonable horizontal acquisition for 10-15% dilution Timing is right too with Venmo integration (finally) near the finish line"
X Link 2025-12-25T14:04Z [---] followers, [---] engagements

"@iotaresearch Perhaps. Subscription companies"
X Link 2025-12-25T19:57Z [---] followers, [--] engagements

"Obviously far from a 1-1 comparison but it's interesting to see $Bill get taken to school by $Shop re: growth (note: BILL has June FYE) SHOP growing 10% faster despite a 5x larger base SHOP 26% subscriptions BILL 21% Both focus on commerce / payments for SMBs"
X Link 2025-12-26T03:18Z [---] followers, [--] engagements

"@JayaGup10 "As startups pursue these paths observability for agents will become critical infrastructure. As decision traces accumulate and context graphs grow enterprises will need to monitor debug and evaluate agent behavior at scale." * $SNOW in talks to buy Observe (maybe related)"
X Link 2025-12-26T06:06Z [---] followers, [--] engagements

"@iotaresearch You are rude and wrong https://www.lyft.com/memberships/lyft-pink-all-access-annual/offer-details https://www.lyft.com/memberships/lyft-pink-all-access-annual/offer-details"
X Link 2025-12-26T19:58Z [---] followers, [--] engagements

"Big implications for the seat-based app SW bear thesis if this is true For instance with $Adbe: "AI is killing graphic designers" -- "AI will make everyone a graphic designer" Plenty of questions remain (esp ADBE's right to win) but I like this frame https://t.co/lXehx9mkQJ https://t.co/lXehx9mkQJ"
X Link 2025-12-27T00:35Z [---] followers, [---] engagements

"Could cloud migration give $Bill a boost in its upmarket push MS notes: broader software at 70%+ cloud adoption whereas financial applications still stuck at 40%"
X Link 2025-12-31T16:48Z [---] followers, [--] engagements

"Still thinking about this piece from Jamin Ball Looking at $Bill: There's definitely an oppty (execution = ) to capture the "front door" using AI to automate FinOps / accounting 'Automation potential' also adds strategic value to the Bill platform for ERPs (acquisition) https://t.co/6HaNzs0fvk https://t.co/6HaNzs0fvk"
X Link 2025-12-31T17:04Z [---] followers, [---] engagements

"$Bill "take rate expansion" story seems to have been the downfall of many prev investors"
X Link 2025-12-31T21:38Z [---] followers, [---] engagements

"Comments from CFO (now COO) from May. Worth noting that new CFO Jain has experience at $Pypl which used these agreements extensively"
X Link 2026-01-01T17:03Z [---] followers, [---] engagements

"More on $Pypl FFA strategy https://x.com/SteadyCompound/status/1999071795648119047s=20 On asset-light models: PayPal sells BNPL receivables to investors like KKR. The advance rate depends on portfolio risklower risk means better rates. This shifts risk but also shapes underwriting decisions. https://t.co/YxdgsatDuq https://x.com/SteadyCompound/status/1999071795648119047s=20 On asset-light models: PayPal sells BNPL receivables to investors like KKR. The advance rate depends on portfolio risklower risk means better rates. This shifts risk but also shapes underwriting decisions."
X Link 2026-01-01T17:06Z [---] followers, [---] engagements

"Looks like $Bill has the scale to get a FFA done Curious how the stock would react given they've been doing on-BS underwriting for [---] years now (Divvy acq. closed Jun [--] 2021) Also curious whether a FFA is even feasible for a business-focused lender"
X Link 2026-01-01T17:27Z [---] followers, [--] engagements

"Oh yeah and hear me out. Elliott for context has not commented publicly about their $Bill involvement"
X Link 2026-01-01T17:31Z [---] followers, [--] engagements

"This whole idea for a $Bill FFA came to mind because $Pgy stock has skyrocketed (20%+ moves) after these agreements were announced Just searched $Pgy ticker and wow their shareholder base is enthusiastic and very excited about "AI lending" 👍"
X Link 2026-01-01T17:44Z [---] followers, [---] engagements

"@atelicinvest Great points. My understanding is that within software there is a tension between cost product and distribution - and generally speaking distribution wins But the laziness from entrenched players is palpable. Probably fixable but not quickly Opportunity for activists/PE"
X Link 2026-01-03T16:59Z [---] followers, [---] engagements

"$Bill is this legit or drivel (Author: James Friedman Susquehanna published 9/12/25) Mgmt has said that (a) invoice financing is in the emerging portfolio (b) the emerging portfolio is the size of virtual card and (c) "virtual card is stable at 3% of TPV" (= $10m/yr)"
X Link 2026-01-03T22:22Z [---] followers, [--] engagements

"Fascinating tweet and thesis The intent of the White House is to have a hedge where it can pivot to Latam if things go sideways in Europe and Asia and effectively turn countries like Brazil Colombia Mexico and Argentina into industrial powerhouses capable of replacing China. The [----] National Security Strategy document is clearly oriented towards containing China but too many experts seem to misunderstand the intent because they are stuck in obsolete mental frameworks on how international relations is supposed to work. They keep saying if its The [----] National Security Strategy document is"
X Link 2026-01-04T01:38Z [---] followers, [--] engagements

"Checking out this book to get more background on software (h/t @ChipsAhoyCap substack) Rn Benioff is describing how the original Salesforce web app was (a) easier to build than on prem software and (b) an extremely simple interface Sensing some parallels to vibe coding today"
X Link 2026-01-10T18:24Z [---] followers, [---] engagements

"An underhyped investment/entrepreneurial opportunity that seems obvious is the fleets of robotaxis that will be needed as autonomy/AI scales (assuming TSLA doesnt eat everything) I.e. there will have to be a $Crwv like player that combines bespoke financing with optimized tech Thoughts on $UBER Everyone keeps repeating the same aggregated demand argument and I understand why because for a long time it was obviously true. $UBER owned demand riders opened $UBER first drivers were fragmented and whoever controlled demand basically controlled the Thoughts on $UBER Everyone keeps repeating the"
X Link 2026-01-11T16:58Z [---] followers, [---] engagements

"$Bill not in a great spot re: SBC"
X Link 2026-01-14T21:35Z [---] followers, [--] engagements

"$Aapl has every right to be confident (cocky even) in their mkt position but are they not letting the fox in the hen house with the $Goog Gemini integration"
X Link 2026-01-15T19:04Z [---] followers, [---] engagements

"Gundlach: EMs set to outperform as Trump admin industrial policy weakens USD"
X Link 2026-01-15T21:11Z [---] followers, [--] engagements

"@pitandhummus @WaterworldCapi1 $Ntnx Vmw closest competitor has had a rough few years despite mgmt insisting they would benefit a ton from Hock Tan shenanigans; not sure Gartner is on the ball here That being said I dont follow the name so maybe short $Avgo is the real takeaway"
X Link 2026-01-16T00:49Z [---] followers, [---] engagements

"I know this is cliche but at this point it feels like [----] when Brad Gerstner wrote that infamous letter to META Didnt have any $ to buy META at [---] but was working on a pitch and never finished (RIP) Who knows what will rly happen but this moment should be cherished"
X Link 2026-01-16T03:11Z [---] followers, [--] engagements

"Seeing some value in $Bill as a "connective tissue" between ERPs billing records expensing corporate card and bank accounts In other words the stakes are in the ground for them to build effective agents Now imo the question is whether Ramp will make 1000x better ones https://t.co/AYraJ7ILNY https://t.co/AYraJ7ILNY"
X Link 2026-01-16T17:43Z [---] followers, [---] engagements

"And important point #2: This agentic opportunity accentuates the value of $Bill to strategic acquirers. If an ERP wants to own end-to-end FinOps workflows they might want to own the whole company That being said "Embed 2.0" seems to be delivering on this vision too"
X Link 2026-01-16T17:46Z [---] followers, [--] engagements

"$Bill cross sell motion is a dumpster fire The Divvy product that was supposed to reach 50% of customers will probably end up reaching checks notes 11%"
X Link 2026-01-16T20:53Z [---] followers, [--] engagements

"Status update on $Bill (for the exactly [--] ppl who care): -Finished modeling historical business drivers as granularly as possible Next steps: -Create a thesis driven forecast based on these drivers -Write a report -Get help with modeling seasonality especially in IFX"
X Link 2026-01-16T22:21Z [---] followers, [--] engagements

"@dalibali2 Have spoken with one and its full steam ahead with the household names - MSFT ORCL WDAY UKG COUP MANH PANW Old mostly mainframe based IT cloud migration scheduled for [----] or smth They would only consider what you describe if they fall behind on consulting benchmarks"
X Link 2026-01-17T14:36Z [---] followers, [----] engagements

"@iotaresearch @TMTLongShort Sounds like a pretty desperate pivot. Interesting but kinda sad Stock charts of Cour and Udmy seem to indicate that the promise of "skilling" is not proving itself yet"
X Link 2026-01-17T21:47Z [---] followers, [--] engagements

"@iotaresearch Lower inflation expectatins"
X Link 2026-01-17T21:57Z [---] followers, [--] engagements

"$Bill I'm just spitballing here but in light of the Xero-Melio deal. Would it make sense to add equity kicker to ERP partnerships (A la SHOP-KVYO) Opening up the cover's on Klaviyo's partnership with Shopify: - Rev Share of 15% for customers that sign up with Shopify's app store - $370mm in stock warrants over [--] years. That's around 25% of their yearly marketing budget. https://t.co/9bve1lxNN9 Opening up the cover's on Klaviyo's partnership with Shopify: - Rev Share of 15% for customers that sign up with Shopify's app store - $370mm in stock warrants over [--] years. That's around 25% of their"
X Link 2026-01-21T20:16Z [---] followers, [--] engagements

"Relevant to $Bill The real reason for Brex's exit Lol The real reason for Brex's exit Lol"
X Link 2026-01-23T16:00Z [---] followers, [--] engagements

"Pivoting now to crafting an equity thesis with catalysts (more challenging) -More cost cuts announced / SG&A guidance updated next q Or at H1'26 investor day -New products + distribution set to re-accel growth (SPP + Embed 2.0) -Upmarket sales cycle not priced in -FFA Revised $Bill "one-pager" for what a PE firm could do if a deal were to happen Not an expert but tried to consider what is weighing on the stock now and how a "renewed" BILL could emerge stronger following a 2-5 year hold period Again would really appreciate feedback https://t.co/N6kd4UsFIW Revised $Bill "one-pager" for what a"
X Link 2026-01-25T21:49Z [---] followers, [--] engagements

"@dalibali2 Am on a similar wavelength. Mgmt implied there's going to be an investor day in CQ2 so this is basically their last shot for a while https://x.com/T49tank/status/2015813936587722808s=20 $Bill paid $1.8mm in "Professional advisory fees related to shareholders' activism" in Q1'26 (period ended 9/30) Bloomberg report on 11/12 mentioned they engaged an advisor to explore a sale Curious where this will trend when Q2 reports on 2/5 https://t.co/jjgnwebvo5 https://x.com/T49tank/status/2015813936587722808s=20 $Bill paid $1.8mm in "Professional advisory fees related to shareholders'"
X Link 2026-01-26T15:52Z [---] followers, [---] engagements

"More on the $Bill cost situation which isn't great. Using ROUGH numbers here: S&M expense / new Integrated Platform customer in Q1'26: ($149m / 5500): $27k Gross Profit / IP customer in 2025: ($1.2b / 210k): $5700 14% logo churn -- "LTV" of $41k (1.5x "LTV/CAC") 👎"
X Link 2026-01-26T19:35Z [---] followers, [---] engagements

"$Bill CAC through the accountant channel is $500. It says it right on their website. Where is the other $26500 per lead going"
X Link 2026-01-26T20:47Z [---] followers, [--] engagements

"The logo churn number in particular struck me as pretty high (maybe par for the course in SMBs) At UBS conferece following Q1'26 print $Bill CFO suggested AI could help fix this which she attributes to onboarding friction"
X Link 2026-01-26T21:10Z [---] followers, [--] engagements

"Ramp seems to be predicated on 'product-led growth' but still derives 29% of their new business adds from the accounting channel Helpful benchmark for $Bill which is probably higher"
X Link 2026-01-26T21:46Z [---] followers, [--] engagements

"Revision: $Bill logo churn has been a persistent problem (SMB thing). NDR filled the gap to paint a better picture. until it didn't"
X Link 2026-01-26T22:13Z [---] followers, [--] engagements

"Revised $Bill "one-pager" for what a PE firm could do if a deal were to happen Not an expert but tried to consider what is weighing on the stock now and how a "renewed" BILL could emerge stronger following a 2-5 year hold period Again would really appreciate feedback"
X Link 2026-01-22T18:16Z [---] followers, [----] engagements

"@bobspaysubstack Wow. Melio AvidXchange and now this. $COF is a BILL partner but this news could be net bullish for $Bill too as Brex was making a push into the financial institutions channel (recently inked FifthThird deal). Cant image that will continue under COF ownership"
X Link 2026-01-22T21:47Z [---] followers, [---] engagements

"At what point does $Qcom catch a bid on edge compute strength best time to buy a mac mini is [--] weeks from now on reseller marketplaces https://t.co/Ql3VTrC1dC best time to buy a mac mini is [--] weeks from now on reseller marketplaces https://t.co/Ql3VTrC1dC"
X Link 2026-01-28T03:09Z [---] followers, [---] engagements

"$Bill is shifting from a blown-up mix shift story (take rate growth too slow) to a new product story That product Embed [---] There's a reason why the company is called "BILL" not - the company is evolving from a web app to financial infrastructure http://Bill.com Finally found from the depths of my notes app: @Mike_Taylor1972's [--] investment theses: New product story Rollup/Mix shift % Geographic expansion Management turnaround Too cheap to ignore http://Bill.com Finally found from the depths of my notes app: @Mike_Taylor1972's [--] investment theses: New product story Rollup/Mix shift %"
X Link 2026-01-28T18:08Z [---] followers, [---] engagements

"Pretty clear that Rene from $Bill models himself after Bennioff In [----] Elliott and Starboard (BILL activists) were involved with CRM. Bennioff did a 10% RIF (BILL did 6% in Oct) later praised activists And it seems like $Crm generally outperformed $Igv for the next year"
X Link 2026-01-28T18:40Z [---] followers, [---] engagements

"@iotaresearch $Cvna is like TSLA. It is seen by the street as a "category killer" which means it pretty much trades on vibes I don't own and I didn't read the report (how did the last [--] work out) but if the market stays frothy I don't see why it wouldn't rebound Catch a vibe"
X Link 2026-01-28T21:30Z [---] followers, [---] engagements

"@akramsrazor Basically trying to understand this as I go but I like this model of foundation labs acting as essentially outsourced R&D for the vendors that play ball Anthropic wont clone $Wday or another app but theyll build or facilitate a gazillion automated workflows on top of said app"
X Link 2026-01-27T03:52Z [---] followers, [--] engagements

"$Bill -5.3% as investors anticipate Ramps Kevin Malone ad at the Super Bowl Meet Brian. Brians been carrying accounting on his back for a long time. Super Bowl Sunday he finally gets backup. https://t.co/ensvdU78U4 Meet Brian. Brians been carrying accounting on his back for a long time. Super Bowl Sunday he finally gets backup. https://t.co/ensvdU78U4"
X Link 2026-02-03T14:59Z [---] followers, [---] engagements

"You have some R&D initiatives like a programmable API (Embed 2.0) and an AR product (SPP) market thinks you are pissing on a forest fire against Ramp (and maybe Stripe) You still have 94% NRR so youre praying that your good customers and boomer accountant partners stay loyal"
X Link 2026-02-04T06:42Z [---] followers, [--] engagements

"$Bill looks like invoice financing volume (high take rate + prev high growth) was soft Makes the rest of the results even more impressive"
X Link 2026-02-05T21:54Z [---] followers, [--] engagements

"@TMTLongShort Appreciate you highlighting this very common bias of essentially taking AI capabilities as they are rather than what they are becoming I think we all remember $Chgg's slow and steady meltdown - could be a harbinger for so many companies in the AI "strike zone""
X Link 2026-01-17T17:12Z [---] followers, [---] engagements

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