[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.] #  @JM_Investment0 JM Investments JM Investments posts on X about $four, debt, stocks, $pypl the most. They currently have XXXXX followers and XXX posts still getting attention that total XXXXXX engagements in the last XX hours. ### Engagements: XXXXXX [#](/creator/twitter::1933229730880274432/interactions)  - X Week XXXXXX -XX% - X Month XXXXXXX -XX% - X Months XXXXXXX +90,998% - X Year XXXXXXX +973% ### Mentions: XX [#](/creator/twitter::1933229730880274432/posts_active)  - X Week XXX -XX% - X Month XXX +58% - X Months XXXXX +57,700% - X Year XXXXX +115,500% ### Followers: XXXXX [#](/creator/twitter::1933229730880274432/followers)  - X Week XXXXX +3% - X Month XXXXX +51% ### CreatorRank: XXXXXXX [#](/creator/twitter::1933229730880274432/influencer_rank)  ### Social Influence **Social category influence** [cryptocurrencies](/list/cryptocurrencies) #4431 [finance](/list/finance) XXXXX% [stocks](/list/stocks) XXXXX% [technology brands](/list/technology-brands) XXXX% [countries](/list/countries) XXX% [fashion brands](/list/fashion-brands) XXX% **Social topic influence** [$four](/topic/$four) #2, [debt](/topic/debt) #918, [stocks](/topic/stocks) #3301, [$pypl](/topic/$pypl) #147, [$root](/topic/$root) #13, [$dlo](/topic/$dlo) #10, [if you](/topic/if-you) 1.8%, [$moh](/topic/$moh) #2, [sentiment](/topic/sentiment) 1.8%, [$fi](/topic/$fi) XXX% **Top accounts mentioned or mentioned by** [@spike_1567](/creator/undefined) [@wealthmatica](/creator/undefined) [@spike1567](/creator/undefined) [@devineni6](/creator/undefined) [@guyaltman](/creator/undefined) [@mrfundatechnic](/creator/undefined) [@jakebrowatzke](/creator/undefined) [@tfanalytics1](/creator/undefined) [@jerrycap](/creator/undefined) [@realroseceline](/creator/undefined) [@caesarcapitalz](/creator/undefined) [@theinvestinguy](/creator/undefined) [@valuationedge_](/creator/undefined) [@cariocapital](/creator/undefined) [@networthnotes](/creator/undefined) [@bobspaysubstack](/creator/undefined) [@jrouldz](/creator/undefined) [@kabraxfx](/creator/undefined) [@valuationedge](/creator/undefined) [@davyinvests](/creator/undefined) **Top assets mentioned** [4 (FOUR)](/topic/$four) [PayPal Holdings Inc (PYPL)](/topic/$pypl) [The Root Network (ROOT)](/topic/$root) [DLocal Limited Class A Common Shares (DLO)](/topic/$dlo) [Molina Healthcare, Inc. (MOH)](/topic/$moh) [Fiserv, Inc. (FI)](/topic/$fi) [UnitedHealth Group (UNH)](/topic/$unh) [Centene Corp (CNC)](/topic/$cnc) [ZetaChain (ZETA)](/topic/$zeta) [Lemonade, Inc. (LMND)](/topic/$lmnd) [Progressive Corp (PGR)](/topic/$pgr) [Alliance Fan Token (ALL)](/topic/$all) [Netflix Inc (NFLX)](/topic/$nflx) [Warner Bros Discovery, Inc. (WBD)](/topic/$wbd) [MercadoLibre Inc (MELI)](/topic/$meli) [Lululemon Athletica Inc (LULU)](/topic/$lulu) [Global Payments Inc (GPN)](/topic/$gpn) [Advanced Micro Devices (AMD)](/topic/$amd) [Adobe, Inc. (ADBE)](/topic/$adbe) [UiPath, Inc. (PATH)](/topic/$path) [Rubrik, Inc. (RBRK)](/topic/$rbrk) [Nebius Group N.V. Class A Ordinary Shares (NBIS)](/topic/$nbis) ### Top Social Posts Top posts by engagements in the last XX hours "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](https://x.com/JM_Investment0/status/1991570824369959357) 2025-11-20T18:14Z 1389 followers, 5625 engagements "I just posted a Q3 update on $ROOT I have covered: - They key headlines - What I did and didnt like - My updated valuation Check it out and let me know what you think 🔗" [X Link](https://x.com/JM_Investment0/status/1993024101557092367) 2025-11-24T18:29Z 1389 followers, 1200 engagements "$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](https://x.com/JM_Investment0/status/1994843326315474992) 2025-11-29T18:58Z 1389 followers, 3173 engagements "Im surprised $NFLX is down on the $WBD news The amount of extra content they can make now will be huge and theres some very popular franchises in there Pretty sure itll be well worth the price" [X Link](https://x.com/JM_Investment0/status/1996993860837224723) 2025-12-05T17:23Z 1389 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](https://x.com/JM_Investment0/status/1997675013856465196) 2025-12-07T14:30Z 1389 followers, XXX engagements "@dividendology $FOUR I dont understand why its so cheap" [X Link](https://x.com/JM_Investment0/status/1993775720905232656) 2025-11-26T20:15Z 1370 followers, 8100 engagements "Just a snippet of why $DLO is a fantastic opportunity Its growing fast with huge opportunities & tailwinds asset light with great margins and well under fair value" [X Link](https://x.com/JM_Investment0/status/1993787110218985962) 2025-11-26T21:01Z 1364 followers, 1352 engagements "Im sure lots of you have seen that Burry is long on $FOUR Thats a great endorsement from someone with his track record recognising the great value But unlike the other stocks he mentions $LULU $MOH - $FOUR is not some cheap turnaround stock its a fast growing compounder" [X Link](https://x.com/JM_Investment0/status/1994168131133022506) 2025-11-27T22:15Z 1365 followers, 2017 engagements "$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](https://x.com/JM_Investment0/status/1995598913039212919) 2025-12-01T21:00Z 1361 followers, 1603 engagements "@JerryCap @CarioCapital I think youre probably right how you playing it I know you like $GPN any $FI or $FOUR" [X Link](https://x.com/JM_Investment0/status/1996323162502365228) 2025-12-03T20:58Z 1361 followers, XXX 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](https://x.com/JM_Investment0/status/1996545146020843758) 2025-12-04T11:40Z 1360 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](https://x.com/JM_Investment0/status/1996602892518674924) 2025-12-04T15:29Z 1364 followers, 1713 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](https://x.com/JM_Investment0/status/1996646226457178345) 2025-12-04T18:22Z 1363 followers, 1227 engagements "@Spike_1567 Reading a bit more I think its probably to pay off their debt due this month effectively shifting it to 2033 so they dont use up cash they could use for buybacks" [X Link](https://x.com/JM_Investment0/status/1996655287491781041) 2025-12-04T18:58Z 1361 followers, XX engagements "@devineni6 @SunDraftssGer The new debt is a very good move in my opinion Im posting a thread about it soon" [X Link](https://x.com/JM_Investment0/status/1996685910826799159) 2025-12-04T20:59Z 1362 followers, XX 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](https://x.com/JM_Investment0/status/1996688565950939334) 2025-12-04T21:10Z 1365 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](https://x.com/JM_Investment0/status/1996688575304188228) 2025-12-04T21:10Z 1364 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](https://x.com/JM_Investment0/status/1996688579175559522) 2025-12-04T21:10Z 1362 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](https://x.com/JM_Investment0/status/1996688587665129894) 2025-12-04T21:10Z 1362 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](https://x.com/JM_Investment0/status/1996688591548772439) 2025-12-04T21:10Z 1364 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](https://x.com/JM_Investment0/status/1996688595151982879) 2025-12-04T21:10Z 1364 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](https://x.com/JM_Investment0/status/1996688598943359354) 2025-12-04T21:10Z 1364 followers, XXX engagements "@devineni6 Yeah exactly but its about $470M in 2033 they raised 435M not $" [X Link](https://x.com/JM_Investment0/status/1996694885697491224) 2025-12-04T21:35Z 1364 followers, XX engagements "@BourbonCap Hold three of them with very high conviction $FOUR $DLO & $ZETA" [X Link](https://x.com/JM_Investment0/status/1996704249670164637) 2025-12-04T22:12Z 1364 followers, 1067 engagements "@realroseceline Im not sure what you mean" [X Link](https://x.com/JM_Investment0/status/1996707125448659123) 2025-12-04T22:24Z 1363 followers, XXX engagements "@realroseceline Ahh I see I didnt realise you meant Powell Yeah that would be ideal. As much as Im not worried about the debt if they can save a bit on interest payments that would be a nice short term tailwind" [X Link](https://x.com/JM_Investment0/status/1996709280276435265) 2025-12-04T22:32Z 1364 followers, XXX engagements "@TheRonnieVShow I wondered how long until youd post about $FOUR - great business and super undervalued One of my biggest positions" [X Link](https://x.com/JM_Investment0/status/1996721170771509629) 2025-12-04T23:19Z 1364 followers, XXX engagements "@IntrospectiveI I think sentiment is very bad due to macro environment fears and businesses posting bad results like $FI and in the past $PYPL" [X Link](https://x.com/JM_Investment0/status/1996917864033669379) 2025-12-05T12:21Z 1364 followers, XX engagements "@SmithOnMarket My highest conviction pick is $DLO - similar tailwinds might be worth looking at for you if you havent already" [X Link](https://x.com/JM_Investment0/status/1996939550061436979) 2025-12-05T13:47Z 1382 followers, XXX engagements "@LongOneStocks I own $FOUR and $AMD but not sure on $ADBE what do you think" [X Link](https://x.com/JM_Investment0/status/1997000423236845915) 2025-12-05T17:49Z 1373 followers, XXX engagements "Ive been considering $FOUR vs $PYPL $FOUR is growing quickly with lots of upside if they continue to execute but has a lot of debt $PYPL has a fantastic balance sheet and is buying back shares consistently but has concerns over growth Backwards looking $PYPL is probably cheaper. Forward looking $FOUR wins out. $FOUR has more potential upside but $PYPL could be a more defensive holding due to its buyback floor and consistent FCF Currently I hold both with my $FOUR position about 5x my $PYPL one - do I keep holding both or do I consolidate into what is arguably a higher conviction holding" [X Link](https://x.com/JM_Investment0/status/1992321029730177468) 2025-11-22T19:55Z 1385 followers, 6009 engagements "Why $ROOT growth might accelerate Top line growth is good - revenue is up XX% YoY but looking below the surface tells the full story of whats to come The partnerships channel which makes up XX% of new writings doubled last year And independent agents which makes up half of the partnerships tripled YoY and still only covers XX% of US agents so theres huge growth potential These channels are still smaller so total growth doesnt fully reflect the pace but as the mix flips growth could and should accelerate" [X Link](https://x.com/JM_Investment0/status/1993764198606684199) 2025-11-26T19:30Z 1385 followers, 1195 engagements "$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](https://x.com/JM_Investment0/status/1996688556421534133) 2025-12-04T21:10Z 1386 followers, 3927 engagements "@wealthmatica One of my favourite buys right now - awesome to see youre interested too If youve not already seen Ive written a pretty detailed deep dive on it below. Hopefully it can be at least half as useful to you as your $ZETA deep dives have been to me" [X Link](https://x.com/JM_Investment0/status/1996907534742179965) 2025-12-05T11:40Z 1386 followers, XXX engagements "$PATH and $RBRK are the ones that got away from me this earnings season Interested in both but didnt quite have high enough conviction to buy Now theyve both had strong earnings with 20%+ moves after There will be plenty more though and protecting downside comes first" [X Link](https://x.com/JM_Investment0/status/1996956612586524842) 2025-12-05T14:55Z 1387 followers, XXX engagements "@ValuationEdge_ Ive never really looked at $MOH too much but have big positions in $UNH and $CNC Ill have to check this out too" [X Link](https://x.com/JM_Investment0/status/1997043527981695115) 2025-12-05T20:40Z 1388 followers, XXX engagements "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](https://x.com/JM_Investment0/status/1995272466965348810) 2025-11-30T23:23Z 1387 followers, 1880 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](https://x.com/JM_Investment0/status/1995929267449069795) 2025-12-02T18:53Z 1389 followers, 7471 engagements "I feel like I see the same stocks talked about on here a lot Whats your highest conviction stock" [X Link](https://x.com/JM_Investment0/status/1996882423586623747) 2025-12-05T10:00Z 1388 followers, XXX engagements "The more I look at $NBIS the more convinced I am it could be one of the best stocks of 2026 - AI demand is exploding with no signs of slowing - Execution has been flawless - Potentially massive revenue & high margins If they keep this up they could get huge" [X Link](https://x.com/JM_Investment0/status/1997028076916728016) 2025-12-05T19:39Z 1388 followers, 1260 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](https://x.com/JM_Investment0/status/1997690157802078251) 2025-12-07T15:30Z 1389 followers, 11.7K 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](https://x.com/JM_Investment0/status/1997695225427275889) 2025-12-07T15:50Z 1389 followers, XXX engagements
[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]
@JM_Investment0 JM Investments
JM Investments posts on X about $four, debt, stocks, $pypl the most. They currently have XXXXX followers and XXX posts still getting attention that total XXXXXX engagements in the last XX hours.
Engagements: XXXXXX #
- X Week XXXXXX -XX%
- X Month XXXXXXX -XX%
- X Months XXXXXXX +90,998%
- X Year XXXXXXX +973%
Mentions: XX #
- X Week XXX -XX%
- X Month XXX +58%
- X Months XXXXX +57,700%
- X Year XXXXX +115,500%
Followers: XXXXX #
- X Week XXXXX +3%
- X Month XXXXX +51%
CreatorRank: XXXXXXX #
Social Influence
Social category influence cryptocurrencies #4431 finance XXXXX% stocks XXXXX% technology brands XXXX% countries XXX% fashion brands XXX%
Social topic influence $four #2, debt #918, stocks #3301, $pypl #147, $root #13, $dlo #10, if you 1.8%, $moh #2, sentiment 1.8%, $fi XXX%
Top accounts mentioned or mentioned by @spike_1567 @wealthmatica @spike1567 @devineni6 @guyaltman @mrfundatechnic @jakebrowatzke @tfanalytics1 @jerrycap @realroseceline @caesarcapitalz @theinvestinguy @valuationedge_ @cariocapital @networthnotes @bobspaysubstack @jrouldz @kabraxfx @valuationedge @davyinvests
Top assets mentioned 4 (FOUR) PayPal Holdings Inc (PYPL) The Root Network (ROOT) DLocal Limited Class A Common Shares (DLO) Molina Healthcare, Inc. (MOH) Fiserv, Inc. (FI) UnitedHealth Group (UNH) Centene Corp (CNC) ZetaChain (ZETA) Lemonade, Inc. (LMND) Progressive Corp (PGR) Alliance Fan Token (ALL) Netflix Inc (NFLX) Warner Bros Discovery, Inc. (WBD) MercadoLibre Inc (MELI) Lululemon Athletica Inc (LULU) Global Payments Inc (GPN) Advanced Micro Devices (AMD) Adobe, Inc. (ADBE) UiPath, Inc. (PATH) Rubrik, Inc. (RBRK) Nebius Group N.V. Class A Ordinary Shares (NBIS)
Top Social Posts
Top posts by engagements in the last XX hours
"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 1389 followers, 5625 engagements
"I just posted a Q3 update on $ROOT I have covered: - They key headlines - What I did and didnt like - My updated valuation Check it out and let me know what you think 🔗"
X Link 2025-11-24T18:29Z 1389 followers, 1200 engagements
"$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 1389 followers, 3173 engagements
"Im surprised $NFLX is down on the $WBD news The amount of extra content they can make now will be huge and theres some very popular franchises in there Pretty sure itll be well worth the price"
X Link 2025-12-05T17:23Z 1389 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 1389 followers, XXX engagements
"@dividendology $FOUR I dont understand why its so cheap"
X Link 2025-11-26T20:15Z 1370 followers, 8100 engagements
"Just a snippet of why $DLO is a fantastic opportunity Its growing fast with huge opportunities & tailwinds asset light with great margins and well under fair value"
X Link 2025-11-26T21:01Z 1364 followers, 1352 engagements
"Im sure lots of you have seen that Burry is long on $FOUR Thats a great endorsement from someone with his track record recognising the great value But unlike the other stocks he mentions $LULU $MOH - $FOUR is not some cheap turnaround stock its a fast growing compounder"
X Link 2025-11-27T22:15Z 1365 followers, 2017 engagements
"$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 1361 followers, 1603 engagements
"@JerryCap @CarioCapital I think youre probably right how you playing it I know you like $GPN any $FI or $FOUR"
X Link 2025-12-03T20:58Z 1361 followers, XXX 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 1360 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 1364 followers, 1713 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 1363 followers, 1227 engagements
"@Spike_1567 Reading a bit more I think its probably to pay off their debt due this month effectively shifting it to 2033 so they dont use up cash they could use for buybacks"
X Link 2025-12-04T18:58Z 1361 followers, XX engagements
"@devineni6 @SunDraftssGer The new debt is a very good move in my opinion Im posting a thread about it soon"
X Link 2025-12-04T20:59Z 1362 followers, XX 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 1365 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 1364 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 1362 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 1362 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 1364 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 1364 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 1364 followers, XXX engagements
"@devineni6 Yeah exactly but its about $470M in 2033 they raised 435M not $"
X Link 2025-12-04T21:35Z 1364 followers, XX engagements
"@BourbonCap Hold three of them with very high conviction $FOUR $DLO & $ZETA"
X Link 2025-12-04T22:12Z 1364 followers, 1067 engagements
"@realroseceline Im not sure what you mean"
X Link 2025-12-04T22:24Z 1363 followers, XXX engagements
"@realroseceline Ahh I see I didnt realise you meant Powell Yeah that would be ideal. As much as Im not worried about the debt if they can save a bit on interest payments that would be a nice short term tailwind"
X Link 2025-12-04T22:32Z 1364 followers, XXX 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 1364 followers, XXX engagements
"@IntrospectiveI I think sentiment is very bad due to macro environment fears and businesses posting bad results like $FI and in the past $PYPL"
X Link 2025-12-05T12:21Z 1364 followers, XX engagements
"@SmithOnMarket My highest conviction pick is $DLO - similar tailwinds might be worth looking at for you if you havent already"
X Link 2025-12-05T13:47Z 1382 followers, XXX engagements
"@LongOneStocks I own $FOUR and $AMD but not sure on $ADBE what do you think"
X Link 2025-12-05T17:49Z 1373 followers, XXX engagements
"Ive been considering $FOUR vs $PYPL $FOUR is growing quickly with lots of upside if they continue to execute but has a lot of debt $PYPL has a fantastic balance sheet and is buying back shares consistently but has concerns over growth Backwards looking $PYPL is probably cheaper. Forward looking $FOUR wins out. $FOUR has more potential upside but $PYPL could be a more defensive holding due to its buyback floor and consistent FCF Currently I hold both with my $FOUR position about 5x my $PYPL one - do I keep holding both or do I consolidate into what is arguably a higher conviction holding"
X Link 2025-11-22T19:55Z 1385 followers, 6009 engagements
"Why $ROOT growth might accelerate Top line growth is good - revenue is up XX% YoY but looking below the surface tells the full story of whats to come The partnerships channel which makes up XX% of new writings doubled last year And independent agents which makes up half of the partnerships tripled YoY and still only covers XX% of US agents so theres huge growth potential These channels are still smaller so total growth doesnt fully reflect the pace but as the mix flips growth could and should accelerate"
X Link 2025-11-26T19:30Z 1385 followers, 1195 engagements
"$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 1386 followers, 3927 engagements
"@wealthmatica One of my favourite buys right now - awesome to see youre interested too If youve not already seen Ive written a pretty detailed deep dive on it below. Hopefully it can be at least half as useful to you as your $ZETA deep dives have been to me"
X Link 2025-12-05T11:40Z 1386 followers, XXX engagements
"$PATH and $RBRK are the ones that got away from me this earnings season Interested in both but didnt quite have high enough conviction to buy Now theyve both had strong earnings with 20%+ moves after There will be plenty more though and protecting downside comes first"
X Link 2025-12-05T14:55Z 1387 followers, XXX engagements
"@ValuationEdge_ Ive never really looked at $MOH too much but have big positions in $UNH and $CNC Ill have to check this out too"
X Link 2025-12-05T20:40Z 1388 followers, XXX engagements
"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 1387 followers, 1880 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 1389 followers, 7471 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 1388 followers, XXX engagements
"The more I look at $NBIS the more convinced I am it could be one of the best stocks of 2026 - AI demand is exploding with no signs of slowing - Execution has been flawless - Potentially massive revenue & high margins If they keep this up they could get huge"
X Link 2025-12-05T19:39Z 1388 followers, 1260 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 1389 followers, 11.7K 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 1389 followers, XXX engagements