# ![@ReturnsJourney Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::3399729285.png) @ReturnsJourney Olivier (Emerging Value)

Olivier (Emerging Value) posts on X about $pypl, stocks, $dlo, $meli the most. They currently have [------] followers and [---] posts still getting attention that total [-----] engagements in the last [--] hours.

### Engagements: [-----] [#](/creator/twitter::3399729285/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::3399729285/c:line/m:interactions.svg)

- [--] Week [------] -29%
- [--] Month [-------] -22%
- [--] Months [---------] +72%
- [--] Year [---------] +62%

### Mentions: [--] [#](/creator/twitter::3399729285/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::3399729285/c:line/m:posts_active.svg)

- [--] Week [--] -34%
- [--] Month [---] +11%
- [--] Months [---] +26%
- [--] Year [---] +44%

### Followers: [------] [#](/creator/twitter::3399729285/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::3399729285/c:line/m:followers.svg)

- [--] Week [------] +0.33%
- [--] Month [------] +1.70%
- [--] Months [------] +13%
- [--] Year [------] +29%

### CreatorRank: [-------] [#](/creator/twitter::3399729285/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::3399729285/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[stocks](/list/stocks)  34% [finance](/list/finance)  29.33% [technology brands](/list/technology-brands)  28.67% [countries](/list/countries)  12% [currencies](/list/currencies)  4% [cryptocurrencies](/list/cryptocurrencies)  1.33% [automotive brands](/list/automotive-brands)  1.33% [social networks](/list/social-networks)  1.33% [luxury brands](/list/luxury-brands)  0.67% [celebrities](/list/celebrities)  0.67%

**Social topic influence**
[$pypl](/topic/$pypl) 9.33%, [stocks](/topic/stocks) 7.33%, [$dlo](/topic/$dlo) 6.67%, [$meli](/topic/$meli) 4.67%, [dividend](/topic/dividend) #406, [brazil](/topic/brazil) 3.33%, [investment](/topic/investment) 3.33%, [company](/topic/company) 3.33%, [$googl](/topic/$googl) 3.33%, [emerging markets](/topic/emerging-markets) #34

**Top accounts mentioned or mentioned by**
[@kaladindz](/creator/undefined) [@the_pro_invest](/creator/undefined) [@fuckthedip](/creator/undefined) [@wolfofharcourt](/creator/undefined) [@valuehurts](/creator/undefined) [@atelicinvest](/creator/undefined) [@joinyellowbrick](/creator/undefined) [@krossroads](/creator/undefined) [@basteph](/creator/undefined) [@arkalos77](/creator/undefined) [@tintincapital](/creator/undefined) [@casinocapital](/creator/undefined) [@the_zack_zhu](/creator/undefined) [@fcompounders](/creator/undefined) [@leevalueroach](/creator/undefined) [@thezackzhu](/creator/undefined) [@peterlukacsr](/creator/undefined) [@jaminvest](/creator/undefined) [@chudcap](/creator/undefined) [@shalinsshah](/creator/undefined)

**Top assets mentioned**
[PayPal Holdings Inc (PYPL)](/topic/$pypl) [DLocal Limited (DLO)](/topic/$dlo) [MercadoLibre Inc (MELI)](/topic/$meli) [Alphabet Inc Class A (GOOGL)](/topic/$googl) [Uber Technologies, Inc. (UBER)](/topic/$uber) [NVIDIA Corp. (NVDA)](/topic/$nvda) [Sea Limited (SE)](/topic/$se) [YELP INC. (YELP)](/topic/$yelp) [Vinci Partners Investments Ltd. (VINP)](/topic/$vinp) [Patria Investments Ltd. (PAX)](/topic/$pax) [Augur (REP)](/topic/$rep) [Kattana (KTN)](/topic/$ktn) [Grab Holdings Limited Class A Ordinary Shares (GRAB)](/topic/$grab) [GRUPO AVAL ACCIONES Y VALORES S.A. (AVAL)](/topic/$aval) [NOW INC. (DNOW)](/topic/$dnow) [Nu Holdings Ltd. (NU)](/topic/nu-holdings) [Coupang, Inc.  (CPNG)](/topic/$cpng) [Fiserv, Inc. (FI)](/topic/$fi) [UnitedHealth Group (UNH)](/topic/$unh) [Diageo plc (DEO)](/topic/$deo) [Brown-Forman Corporation Class B (BF.B)](/topic/$bfb) [D-MARKET Electronic Services & Trading (HEPS)](/topic/$heps)
### Top Social Posts
Top posts by engagements in the last [--] hours

"Brazil value investing Almost all brazilian stocks are cheap. But value is not easy to find. Here are ADRs or OTC markets 🍺☎🔋⛏ Vale : Mining: High risk Cosan: Energy conglomerate: High debt and no profits. Ambev: Beverages: Low growth Telefonica: Telco: Low growth"  
[X Link](https://x.com/anyuser/status/1880010423715701010)  2025-01-16T21:53Z 11.4K followers, 13.1K engagements


"Vinci Compass Partners. Brookfield corp in Latin America or not Brookfield Corp is one great compounders in the past decades at 19% annual return over [--] years. It is an asset manager.Asset management is a high quality business because you collect fees on the assets (1/20)"  
[X Link](https://x.com/ReturnsJourney/status/1970250227262058763)  2025-09-22T22:13Z 11.4K followers, 13.3K engagements


"I always bought EMs on valuations and never on politics. It always worked. It's a good simplification matrix. buy cheap EM. I missed Argentina thought so it was the exception where one politician changed the game. Brazil stocks falling off a cliff $EWZ Bolsonaro is endorsing his son instead of the leading right-wing candidate vs Lula. In my opinion buy the dip. Bolsonaros son is very unpopular. I expect some deals to be made to unify the opposition ahead of next years election. https://t.co/ljhtYifYNx Brazil stocks falling off a cliff $EWZ Bolsonaro is endorsing his son instead of the leading"  
[X Link](https://x.com/ReturnsJourney/status/1997266212712321034)  2025-12-06T11:25Z 11.3K followers, 15.7K engagements


"An undervalued segment of the market is companies trading as oil companies when they do mostly downstream and midstream and work well with most energy prices and do not need to replenish reserves as much as others"  
[X Link](https://x.com/ReturnsJourney/status/2004676608519798986)  2025-12-26T22:12Z 11.4K followers, [----] engagements


""It's a value trap" "They destroy shareholders capital" Jardine Matheson"  
[X Link](https://x.com/ReturnsJourney/status/2009735275446939705)  2026-01-09T21:13Z 11.4K followers, 13.1K engagements


"full portfolio review stock by stock. Not all are buys currently but I found [--] strong buys as of today"  
[X Link](https://x.com/ReturnsJourney/status/2011087564875170062)  2026-01-13T14:46Z 11.3K followers, 13.9K engagements


"@F_Compounders $PYPL $VINP $PAX"  
[X Link](https://x.com/ReturnsJourney/status/2013933038757896693)  2026-01-21T11:13Z 11.4K followers, [----] engagements


"$REP Repsol. A multi-energy powerhouse transforming from a traditional oil major into a European leader in renewables green hydrogen and advanced biofuels. At [-----] it has: 💎 14% Total Shareholder Yield (Div + Buyback) 📍 6.6%+ Cash Dividend Yield ⚡ Trading at 6xForward P/E (Massive discount to peers) 💰 10.2B in total liquidity ✅ 10B total capital return plan through [----] Pikka Project (Alaska) production starting Q1 [----] 🌍 Largest producer of 100% renewable fuels in Iberia 📲 9M+ digital clients in their "Waylet" ecosystem https://twitter.com/i/web/status/2014013197708124676"  
[X Link](https://x.com/ReturnsJourney/status/2014013197708124676)  2026-01-21T16:32Z 11.3K followers, 25.8K engagements


"Insurance company Sanlam One way to generate investment ideas is to look for similar businesses in different parts of the world This is Africas Walmart: Shoprite https://t.co/Z4rnPTBnf3 One way to generate investment ideas is to look for similar businesses in different parts of the world This is Africas Walmart: Shoprite https://t.co/Z4rnPTBnf3"  
[X Link](https://x.com/ReturnsJourney/status/2015052114452427253)  2026-01-24T13:20Z 11.4K followers, [----] engagements


"$KTN Kontron AG. A European powerhouse in IoT and Industry [---] specializing in high-margin software solutions defense and smart transportation. At [--] has: ✅ 10% share buyback program active ✅ 2.5%+ dividend yield (0.60/share) 📍 Trading at 8x EBITDA (historically low multiple) 📈 Order backlog: 2.2B+ (record high visibility) 💰 [----] EBITDA Guidance: 270M+ (raised 20%+) 🤖 Leading AI-based edge security & "Panther Lake" AI integration 🚀 Massive exposure to GreenTec (Solar/eMobility) and Defense sectors https://twitter.com/i/web/status/2015404230295605706"  
[X Link](https://x.com/ReturnsJourney/status/2015404230295605706)  2026-01-25T12:39Z 11.4K followers, 15.6K engagements


"$MELI I look at it the 100b market cap the net margins on par with Amazon the valuation. It's a great business but to me it looked perfectly priced in. Am I wrong If I am I am listening"  
[X Link](https://x.com/ReturnsJourney/status/2017003875153199277)  2026-01-29T22:36Z 11.4K followers, [----] engagements


"$MELI $GRAB $DLO are very popular emerging markets stocks but I cannot make them work. Maybe because I fish in hated countries or stocks the maths don't seem exciting enough. Sometimes owning the best of the best company is not a recipe for the best returns as valuation comes into play. https://twitter.com/i/web/status/2017281641463308517 https://twitter.com/i/web/status/2017281641463308517"  
[X Link](https://x.com/ReturnsJourney/status/2017281641463308517)  2026-01-30T16:59Z 11.3K followers, [----] engagements


"$AVAL The dominant financial powerhouse in Colombia controlling a massive ecosystem through Banco de Bogot Banco de Occidente Porvenir and Corficolombiana. At $5.11 has: 🟢 25%+ market share in Colombian gross loans 🔵 2.59% dividend yield (paid monthly) 🟣 Trading at 0.86x Book Value (deep value territory) 🟠 Forward P/E of 8.5x for [----] 🟡 Record-breaking 52-week highs recently hit 🔵 Leading pension fund manager (Porvenir) with 10M+ affiliates Long since [----] - a painful ride https://twitter.com/i/web/status/2017533356204872088 https://twitter.com/i/web/status/2017533356204872088"  
[X Link](https://x.com/ReturnsJourney/status/2017533356204872088)  2026-01-31T09:40Z 11.4K followers, [----] engagements


"PayPal $PYPL I was wrong to add They have not monetised the data fast enough"  
[X Link](https://x.com/ReturnsJourney/status/2018672154259103944)  2026-02-03T13:05Z 11.4K followers, [----] engagements


"$PYPL I was wrong. Sits on a data treasure but the focus is on increasing checkout by giving big merchant incentives next year. CEO change guidance weak for [----]. I don't like the new CEO what PayPal needed was more ambition to have the best buyer experience and services not cost cutting and giving money to merchants. No focus on driving customer engagement and extra services. [--] years sitting on the failing customer opportunity to be a customer centric app. Agentic is interesting but who owns agentic will be the AI layer. Ads was my idea to monetise data but it's a side project for the"  
[X Link](https://x.com/ReturnsJourney/status/2018694109301526896)  2026-02-03T14:32Z 11.3K followers, 14.3K engagements


"A simple double chart from Koyfin tells you it's a buy. Book value per share and price to book. This is where I use simple visualisation techniques from my job to compare trends versus history"  
[X Link](https://x.com/ReturnsJourney/status/2019459504371560584)  2026-02-05T17:14Z 11.3K followers, [----] engagements


"@leevalueroach I agree and I disagree the PayPal thing is really the board giving up on good growth ideas admitting they could not execute have no vision and will manage the company like a western union instead of growing. There is a price for that but trust is lost"  
[X Link](https://x.com/ReturnsJourney/status/2019762886227230889)  2026-02-06T13:19Z 11.3K followers, [---] engagements


"@the_zack_zhu because your country men should have invested into that company for the wealth effect and have income from dividends or capital gains. Then you would have low salaries and huge dividend incomes and capital gains"  
[X Link](https://x.com/ReturnsJourney/status/2019793847081910422)  2026-02-06T15:22Z 11.3K followers, [----] engagements


"@fuckthedip Non. On parle aussi de lvmh dassault systemes. Toutes"  
[X Link](https://x.com/ReturnsJourney/status/2019839379519467871)  2026-02-06T18:23Z 11.3K followers, [---] engagements


"If Masa Son had been controlling the board of $PYPL it would be in the 200s now"  
[X Link](https://x.com/ReturnsJourney/status/2020107888757219556)  2026-02-07T12:10Z 11.4K followers, [----] engagements


"@wolfofharcourt Stripe is overvalued"  
[X Link](https://x.com/ReturnsJourney/status/2021273333593960521)  2026-02-10T17:21Z 11.4K followers, [---] engagements


"@Peter_Lukacs_R if you want bombed out stellantis and euro cars. but I don't know if will work"  
[X Link](https://x.com/ReturnsJourney/status/2021874008279433267)  2026-02-12T09:08Z 11.4K followers, [---] engagements


"2nd try Fintwit intelligence: Is there a "compounder" that is exposed to Oil prices or Oil production that still does ok in if Oil stagnates I only saw Colombian Banks or Alberta Real estate. Maybe Kaspi maybe $DNOW But no dividend as we wait"  
[X Link](https://x.com/ReturnsJourney/status/1652566739513753601)  2023-04-30T06:53Z 11.4K followers, 20.4K engagements


"It's a good value creator but there is no org chart that looks more like a value trap $BOL.PA Only for the ultra patient"  
[X Link](https://x.com/ReturnsJourney/status/1690772703492628480)  2023-08-13T17:10Z 11.4K followers, [----] engagements


"Little crowdsource contest: Do you know a over 50% revenue from emerging market company that trades in Europe or North America or Australia/Japan and is; -Not an ADR/GDR -That is not in mining or energy -Profitable -A company like Delivery Hero for example trades in Germany but most of the revenue is in EMs. A company like Patria investment trades in the US and is a mostly EM/Latam asset manager. I will give [--] month full access to my newsletter if you find me one I don't know or cover. My goal is to increase coverage. Post below: Thanks"  
[X Link](https://x.com/ReturnsJourney/status/1960750330104209614)  2025-08-27T17:04Z 11.4K followers, 28.9K engagements


"Emerging Markets Quality Stocks Airtel Africa Prudential PLC Helios Tower Discovery limited MTN Group Sanlam Shoprite Vodacom Clicks Allegro AMBRA Asseco Poland Auto Partner Oponeo PZU Synektik Toya Text I firma Alibaba JD PDD Tencent Xiaomi Ambev Inter & Co Nu Holdings Patria Investments Vinci Partners Bimbo Coca-Cola Femsa FEMSA Gruma Grab  IHS Towers Sea Limited  AB InBev Corporation America Airports Dlocal Karoo Mercado Libre Kaspi Mahindra & Mahindra MakeMyTrip Thai Beverage Coca-Cola Andina Coca-Cola HBC Integrated Diagnostics Modern Dental PT Indofood Jardine Matheson Price Mart What"  
[X Link](https://x.com/ReturnsJourney/status/1991891944851611943)  2025-11-21T15:30Z 11.4K followers, 41.3K engagements


"The best ideas are already in my portfolio. but there is a constant force to find new ideas. how do you generate completely new ideas I did A-Z and screening for price to book value buyback yield"  
[X Link](https://x.com/ReturnsJourney/status/2008604190713802779)  2026-01-06T18:18Z 11.4K followers, [----] engagements


"where is the cheapest value in the world Like [----] crisis cheap I find Kazakhstan French micro caps some Indonesia"  
[X Link](https://x.com/ReturnsJourney/status/2008615437920334251)  2026-01-06T19:03Z 11.4K followers, 47.3K engagements


"good rebound for Eurofins scientific the scientific testing company. [--] times P/E was too low. Long"  
[X Link](https://x.com/ReturnsJourney/status/2015401391162876336)  2026-01-25T12:28Z 11.4K followers, [----] engagements


"Google AI has fixed the Korean demographics we can invest in Coupang $CPNG"  
[X Link](https://x.com/ReturnsJourney/status/2016481500246524403)  2026-01-28T12:00Z 11.4K followers, [----] engagements


"From $BKIR to $NVDA Are you the idiot"  
[X Link](https://x.com/ReturnsJourney/status/2018234152336732399)  2026-02-02T08:04Z 11.4K followers, [----] engagements


"What is going on with the selling in $SE on no news"  
[X Link](https://x.com/ReturnsJourney/status/2019062901282132474)  2026-02-04T14:58Z 11.4K followers, 15.1K engagements


"$PYPL it's not about the money it's about the Bagholder friends we do along the way"  
[X Link](https://x.com/ReturnsJourney/status/2019068221458993427)  2026-02-04T15:19Z 11.4K followers, [----] engagements


"@valuehurts I think Prosus should do better than all these"  
[X Link](https://x.com/ReturnsJourney/status/2021939320987562364)  2026-02-12T13:27Z 11.4K followers, [---] engagements


"An analyst you want to permanently ban: "Equity Research Analyst 0:50:39 Yeah good morning everyone and thanks for taking my questions. My first is actually back to the weather because it does look like it has got colder in the last couple of days and you're suggesting that trading's picking up""  
[X Link](https://x.com/ReturnsJourney/status/2022077102242095574)  2026-02-12T22:35Z 11.4K followers, [----] engagements


"Small cap value right now is the opportunity of a lifetime. In this presentation they literally show 5+ stocks under [--] PE and growing. My small portfolio is the same. I bought one at [---] P/FCF from Rockwood. You will find it in the video : https://www.rockwoodstrategic.co.uk/ https://www.rockwoodstrategic.co.uk/"  
[X Link](https://x.com/anyuser/status/1685255628451684352)  2023-07-29T11:47Z 11.4K followers, 87.4K engagements


"Diageo a quality stock is it finally cheap enough [--] Forward P/E"  
[X Link](https://x.com/anyuser/status/1986771445087625474)  2025-11-07T12:23Z 11.4K followers, 81.8K engagements


"Top hated stocks right now: Novo Nordisk $NOVO PayPal $PYPL Fiserv $FI Nvidia $NVDA (those who missed it) Constellation Software $CSU United Health $UNH Brown Forman $BF.B Diageo $DEO Intellego $INT.ST Which one is a buy I vote for $PYPL"  
[X Link](https://x.com/anyuser/status/1988256056170942762)  2025-11-11T14:42Z 11.4K followers, 39.8K engagements


"That is what we have. $Heps in Trkyie is the cheapest followed by $JD. Kaspi has massive payment operations which means it's further undervalued. Same for $SE limited with the massive gaming operation. $MELI is the most expensive"  
[X Link](https://x.com/ReturnsJourney/status/1998708442383659212)  2025-12-10T10:56Z 11.4K followers, [----] engagements


"buying emerging market brands insurers or asset managers now and letting them compound is like buying Mcdonalds in [----] or Berkshire in [----]. I collect them and hold"  
[X Link](https://x.com/ReturnsJourney/status/2003530346818863617)  2025-12-23T18:17Z 11.4K followers, 17.1K engagements


"Holding company Exor is getting to good value levels with discounts to nav doing buybacks. Stellantis provides cash flows to Exor. Reinvested in buybacks or diversification. Ferrari is going down in valuation but we get it cheap. -no position Price [--] EUR"  
[X Link](https://x.com/ReturnsJourney/status/2013932690764923100)  2026-01-21T11:12Z 11.4K followers, [----] engagements


"$NWL (BIT) New princes SPA A dominant European Food powerhouse following the transformative Princes Group acquisition operating global brands like Buitoni Princes Diageo Carrefour and Plasmon. 🔘 9.2x P/E Ratio (trading at a significant discount to peers) ✅ 3.1B+ Projected Revenue (massive scale jump from 1.6B in 2024) 🔘 Active Share Buyback (ongoing programs throughout late [----] and 2026) ✅ 50%+ EPS Growth forecasted for the [----] fiscal year 🔘 Vertical Integration through the strategic Carrefour Italia partnership ✅ Consolidation Leader in the European private label and branded food sector"  
[X Link](https://x.com/ReturnsJourney/status/2014333436106793191)  2026-01-22T13:44Z 11.4K followers, [----] engagements


"Is $GOOGL going to kill Booking and Airbnb $BKNG $ABNB"  
[X Link](https://x.com/ReturnsJourney/status/2017001845848191096)  2026-01-29T22:28Z 11.4K followers, [----] engagements


"post [--] trades with [--] companies each. find [--] that go up - winning"  
[X Link](https://x.com/ReturnsJourney/status/2021163198783602884)  2026-02-10T10:03Z 11.4K followers, 21.5K engagements


"I would like to be an AI chips specialist but I am not. So I keep writing about the usual themes: Emerging markets + Quality"  
[X Link](https://x.com/ReturnsJourney/status/2021877950354796865)  2026-02-12T09:24Z 11.4K followers, [----] engagements


"7 quality companies from emerging markets. [--] bargains. Link in bio I would like to be an AI chips specialist but I am not. So I keep writing about the usual themes: Emerging markets + Quality. https://t.co/PiRh22FkAM I would like to be an AI chips specialist but I am not. So I keep writing about the usual themes: Emerging markets + Quality. https://t.co/PiRh22FkAM"  
[X Link](https://x.com/ReturnsJourney/status/2022259695235256820)  2026-02-13T10:40Z 11.4K followers, [----] engagements


"36% tax on unrealised capital gains is madness. People will sell on dec [--] to liquidate taxes. ironically for locally traded stocks the winners will plunge on that day and no longer be winners so no more capital gains. Problem solved. For foreign stocks it will work. But I don't know if people would still invest in stocks and not go all in into real estate. I will push more people out of the real estate market Sad day in NL the Dutch government is expected to pass a bill introducing a 36% tax on unrealized capital gains. This will destroy long-term strategies kill compounding effects &"  
[X Link](https://x.com/ReturnsJourney/status/2022261557636276250)  2026-02-13T10:48Z 11.4K followers, 11.7K engagements


"loads of cheap companies at 0% dividend yields that used to milk share based compensation still have to learn that to get a good stock price you need to reward shareholders. Interesting list. Yelp True bottom fishing off my top of my head - what else is missing Zenv - 2x EBITDA (if you dont count the earn-out liability) Expensify - 2-3x EBITDA SSTI - 4x EBITDA TDOC - 4x EBITDA FRSH - 6x EBITDA Adobe - 8x EBITDA WDAY/CRM - 9x EBITDA True bottom fishing off my top of my head - what else is missing Zenv - 2x EBITDA (if you dont count the earn-out liability) Expensify - 2-3x EBITDA SSTI - 4x"  
[X Link](https://x.com/ReturnsJourney/status/2022268624392622572)  2026-02-13T11:16Z 11.4K followers, [----] engagements


"the data would by on mysql azure aws google cloud. Exceptions I think in SAP the data is in the product but it is a CRM not a obscure niche software. I don't see the data as a blockage to switch. Habits reliability and "what do I have to gain versus lose if everything breaks" is a good defense. https://twitter.com/i/web/status/2023001308781797428 https://twitter.com/i/web/status/2023001308781797428"  
[X Link](https://x.com/ReturnsJourney/status/2023001308781797428)  2026-02-15T11:47Z 11.4K followers, [---] engagements


"The AI improvements just hurt a few businesses like tripadvisor yelp pinterest. A few years ago people would have dreamt to buy these under [--] times earnings. Nowadays: not so exciting with fear of disruption and zero cash returns. Crazy how times change"  
[X Link](https://x.com/ReturnsJourney/status/2023054503059325245)  2026-02-15T15:19Z 11.4K followers, [----] engagements


"@Jam_invest @ChudCap These things shouldn't be valued to nav but through look through earnings. Its like p/e [--]. Model indofood at [--] times earnings and look at your new nav now"  
[X Link](https://x.com/ReturnsJourney/status/1959720058730741938)  2025-08-24T20:50Z 10.1K followers, [--] engagements


"When you feel something is wrong or an imbalance in your portfolio your gut feeling is probably right in telling you to act"  
[X Link](https://x.com/ReturnsJourney/status/1960396463696912449)  2025-08-26T17:38Z 10.1K followers, [----] engagements


"I heard good conversations with $Uber drivers that the main advantage of Uber In Emerging markets at least where I am is the safety. They pause your account when your car insurance is expired they ask you for daily photos to prove that you are the account holder driving the vehicle. They are very serious and focused on safety. Other apps like didi don't irregular immigrant drivers take the place of registered drivers and customers especially women fear for their safety and the occasional crime happens. Just 2c from the ground $uber"  
[X Link](https://x.com/ReturnsJourney/status/1961058045791776890)  2025-08-28T13:27Z 10.2K followers, [----] engagements


"@ShalinSShah Yatra is a turnaround Seems cheap"  
[X Link](https://x.com/ReturnsJourney/status/1961190309892952351)  2025-08-28T22:13Z 10.3K followers, [---] engagements


"Results from the crowd: Profitable Majority Emerging markets companies trading in Developed markets (ex HKSG) and not ADR GDR (AI summaries - list attached) Afya Afya is an education company focused on the healthcare sector. Listed on a stock exchange in the USA it provides educational products and services for medical students throughout their careers. The company's primary geographical market is Brazil. It aims to equip future medical professionals with comprehensive training. Its offerings range from preparatory courses to continuing medical education. Asa International Asa International"  
[X Link](https://x.com/ReturnsJourney/status/1961213142026887391)  2025-08-28T23:43Z 10.3K followers, [----] engagements


"Meta and Bytedance are not making huge revenues because of great customer value. They are using AI to send you the most adictive brain frying content creating generation of zombies which we can see in public transport. Will people continue or turn away I don't know. Bytedance just made more money than Meta for the first time in history. https://t.co/Z4gWgjI3t7 Bytedance just made more money than Meta for the first time in history. https://t.co/Z4gWgjI3t7"  
[X Link](https://x.com/ReturnsJourney/status/1961460896858861675)  2025-08-29T16:08Z 10.2K followers, [----] engagements


"@DutchInvestors -unless people are looking for short term dates. -or if you keep the people who match in with more social events to do as couples or meet other couples for social events"  
[X Link](https://x.com/ReturnsJourney/status/1962893709239836870)  2025-09-02T15:01Z 10.1K followers, [---] engagements


"@WolfOfOakville unilever"  
[X Link](https://x.com/ReturnsJourney/status/1962911532393636095)  2025-09-02T16:12Z 10.1K followers, [---] engagements


"Companies that post bad results often direct the attention of the reader to vague future projects. Companies that report good results talk first about profits growth. No profits revenue growth No revenue projects. Elon Musk States That "Optimus Robots Will Drive 80% Of Teslas Value" Elon Musk States That "Optimus Robots Will Drive 80% Of Teslas Value""  
[X Link](https://x.com/ReturnsJourney/status/1962967738101453203)  2025-09-02T19:55Z 10.2K followers, [----] engagements


"$PYPL is one of the most incredible quality+value+growth bargain in this market in DMs. Agentic commerce ads Check my latest portfolio update for details"  
[X Link](https://x.com/ReturnsJourney/status/1963606919110668527)  2025-09-04T14:15Z 10.2K followers, [----] engagements


"My friend bought a computer charger Me: did you buy on MercadoLibre No. facebook marketplace then they send a courrier. Payment by bank transfer. Sometimes they deliver your items by Uber Courrier🙃"  
[X Link](https://x.com/ReturnsJourney/status/1963632383703355559)  2025-09-04T15:56Z 10.2K followers, [----] engagements


"@PatagoniaValor $META is king $MELI :/ is crazy"  
[X Link](https://x.com/ReturnsJourney/status/1963645658075975959)  2025-09-04T16:49Z 10.2K followers, [---] engagements


"@roojoo3 is that true or you are shittalking No position. you short"  
[X Link](https://x.com/ReturnsJourney/status/1963650246572978207)  2025-09-04T17:07Z 10.2K followers, [---] engagements


"@ALEXEIMARTOV from a screener koyfin perspective I thought the same its just too fucking cheap. But nobody will like your idea it's not growing 30% a year"  
[X Link](https://x.com/ReturnsJourney/status/1963724707905331637)  2025-09-04T22:03Z 10.2K followers, [---] engagements


"$DLO is very interesting and very popular $MELI too I just have stricter valuation requirements. This leads to great returns"  
[X Link](https://x.com/ReturnsJourney/status/1963746973799887233)  2025-09-04T23:32Z 10.2K followers, [----] engagements


"@atelicinvest its fair I also introduced quick ideas because I am more on the value side of things therefore If I find a good co at half the normal valuation a short pitch is good enough. for quality investing and growth/disruptor/even investing the short pitches dont work well"  
[X Link](https://x.com/ReturnsJourney/status/1964075354269647094)  2025-09-05T21:17Z 10.2K followers, [---] engagements


"I have tested Gemini [---] 2.5pro perplexity Qwen and Chat GPT. Only Qwen and GPT can get me the latest update on my test IR website. Others give me [----] [----] news at random. None can get me the google news article. pictured below. It's as simple as "google it press news and set it up to French""  
[X Link](https://x.com/ReturnsJourney/status/1964378054886904067)  2025-09-06T17:19Z 10.2K followers, [----] engagements


"I was going to take the free perplexity offer for PayPal users but what's the point. It does not do the search I require. Am I missing something on how to use these things"  
[X Link](https://x.com/ReturnsJourney/status/1964378356884934664)  2025-09-06T17:21Z 10.2K followers, [----] engagements


"@The_Pro_Invest I guess its good for filings. I am looking to catch what's not in filings ex US"  
[X Link](https://x.com/ReturnsJourney/status/1964401066822520926)  2025-09-06T18:51Z 10.2K followers, [--] engagements


"@JuanRodrig07 @Futurenvesting @samsolid57 @Kross_Roads @Couch_Investor @em013L I heard of a company called tencent"  
[X Link](https://x.com/ReturnsJourney/status/1964791436580438305)  2025-09-07T20:42Z 10.2K followers, [---] engagements


"Sec I would like to report a crime"  
[X Link](https://x.com/ReturnsJourney/status/1964797804284719107)  2025-09-07T21:07Z 10.2K followers, [----] engagements


"The key to [----] outperformance is to pump small caps on X"  
[X Link](https://x.com/ReturnsJourney/status/1965171129045442780)  2025-09-08T21:51Z 10.2K followers, [----] engagements


"There is an opportunity for AI disruption of marketplaces. Instead of booking through AIRBNB you book through AI and don't pay Airbnb or booking. But you need a cost light platform to handle the details of a booking but has no network effect. (A cheap Airbnb/booking). Or the AI makes a listing straight from public data and registered address + some photos of yours or from your hotel plans + maps. Winner: Google Meta"  
[X Link](https://x.com/ReturnsJourney/status/1965449606382104830)  2025-09-09T16:17Z 10.2K followers, [----] engagements


"@Jave_t23 0% Turkey is the best"  
[X Link](https://x.com/ReturnsJourney/status/1965530177855004972)  2025-09-09T21:38Z 10.2K followers, [---] engagements


"I am not writing about popular stocks. I wish I was but I focus on the best opportunities I find. What is popular is 30% top line growth. 5-10% top line Nobody want's to post about it. Irrespective of valuation. But 10% top line with economies of scale and a low multiple plus buyback will be fantastic. Fastenal Autozone. 0% top line with a P/E ratio of [--] and capital returns too"  
[X Link](https://x.com/ReturnsJourney/status/1965534429733917084)  2025-09-09T21:55Z 10.3K followers, [----] engagements


"@KairosPraxis Adyen wins because it allows you to accept wallets. The opposite of infrastructure. Its an enabler"  
[X Link](https://x.com/ReturnsJourney/status/1965556100994097611)  2025-09-09T23:21Z 10.2K followers, [---] engagements


"@realroseceline Adyen is not a small player PayPal integration with $MELI is also a future force if it goes well. $DLO can still grow but it is the small player"  
[X Link](https://x.com/ReturnsJourney/status/1965839581598855431)  2025-09-10T18:07Z 10.3K followers, [----] engagements


"@david_katunaric @MikeFritzell Wow then mine was boustead singapore since its not yours. Also selling a building"  
[X Link](https://x.com/ReturnsJourney/status/1965887327483604998)  2025-09-10T21:17Z 10.2K followers, [---] engagements


"Now newsletters and newspapers will write about Oracle in bullish manners because it jumped. These were the same ones selling you Novo Nordisk and LVMH when they exploded higher. Caution"  
[X Link](https://x.com/ReturnsJourney/status/1965950261844918608)  2025-09-11T01:27Z 10.2K followers, [----] engagements


"@vv3tements @JSE_Invest Youre whiter than a Norwegian why you use this word my sister"  
[X Link](https://x.com/ReturnsJourney/status/1966093757159211130)  2025-09-11T10:57Z 10.2K followers, [--] engagements


"Yesterday for my secondary payment newsletter I have recorded an Episode with Bright talking about PayPal $PYPL and we are two ex insiders. The insight between both of us between a bull and a bear was fantastic. I will publish part one soon Need to tidy up the transcript and write the intro. Stay tuned"  
[X Link](https://x.com/ReturnsJourney/status/1966493156825780598)  2025-09-12T13:24Z 10.2K followers, [----] engagements


"@MazenJalloul @taobanker The open investor was in zoom and peloton I guarantee you"  
[X Link](https://x.com/ReturnsJourney/status/1966493965319823483)  2025-09-12T13:27Z 10.2K followers, [--] engagements


"A lot of the great returns from growth investors are just from lows not from their investment prices. Few just bought meta at [---] they went down then up again"  
[X Link](https://x.com/ReturnsJourney/status/1966495089460453544)  2025-09-12T13:32Z 10.2K followers, [----] engagements


"Fintwit: $dlo has no competition in Emerging markets. Reality; We will cover both companies in future instalments of the payment newsletter"  
[X Link](https://x.com/ReturnsJourney/status/1966539437619237217)  2025-09-12T16:28Z 10.2K followers, [----] engagements


"@dirtcheapstocks Flying to uzbekistan and buying stocks at [--] times earnings with a local broker"  
[X Link](https://x.com/ReturnsJourney/status/1966634399027306557)  2025-09-12T22:45Z 10.2K followers, [---] engagements


"@TomSmith839 Not sure that take rate can go that low"  
[X Link](https://x.com/ReturnsJourney/status/1966645363512684979)  2025-09-12T23:29Z 10.3K followers, [---] engagements


"@wolfofharcourt Then to make a difference you need a small portfolio worth 4-5 years of savings max so if you add to meta or meli in [----] its like 20% more assuming that the portfolio never grew before"  
[X Link](https://x.com/ReturnsJourney/status/1966681395318694232)  2025-09-13T01:52Z 10.2K followers, [---] engagements


"@PalisadesBasset @PattyLovesTruth @officedepot This is from The office"  
[X Link](https://x.com/ReturnsJourney/status/1966809333221429693)  2025-09-13T10:21Z 10.2K followers, [---] engagements


"@kaladindz They have the tier [--] countries. For tier [--] really it depends on what they want to prioritise. I think that Adyen wants to be a complete payment company and can offer it with third parties intermediaries"  
[X Link](https://x.com/ReturnsJourney/status/1966850817534947703)  2025-09-13T13:05Z 10.3K followers, [---] engagements


"@atelicinvest Its difficult because you are looking at stocks that dont rerate but buyback+divy 20% annualy. A case study where the stock doesn't rerate but the buyback+divy is very efficient is repsol for example"  
[X Link](https://x.com/ReturnsJourney/status/1967043255469830593)  2025-09-14T01:50Z 10.2K followers, [---] engagements


"@MichaelNitzan @kaladindz What makes you think that dlocal is vertically integrated They work with third parties too"  
[X Link](https://x.com/ReturnsJourney/status/1967166158462935262)  2025-09-14T09:58Z 10.2K followers, [--] engagements


"@Basteph_ I am in europe and never bought anything at uniqlo. We don't need it"  
[X Link](https://x.com/ReturnsJourney/status/1967212793473769872)  2025-09-14T13:04Z 10.2K followers, [----] engagements


"I dont think that customers would switch from dlo to adyen for existing processing in some market like Brazil or Mexico because processing is sticky and largely undifferentiated. But I also disagree with the idea that Dlo has some advantage there due to fraud or compliance. I work in fraud and you give me a Brazilian or French or Ukraine dataset and mostly the same rules work everywhere. Then Dlo doesn't integrate payments directly. Still I am interested in dlo"  
[X Link](https://x.com/ReturnsJourney/status/1967215216220877164)  2025-09-14T13:13Z 10.3K followers, [--] engagements


"@fedex774 Unless they degrow after [--] years"  
[X Link](https://x.com/ReturnsJourney/status/1967585206225015242)  2025-09-15T13:44Z 10.2K followers, [--] engagements


"@pembridge_cap @FriendlyCapMgmt @balajis The media is paid by the state to support the propaganda of the state especially on topics where there is consensus between the two parties alternating power"  
[X Link](https://x.com/ReturnsJourney/status/1967595355916361919)  2025-09-15T14:24Z 10.2K followers, [--] engagements


"@shot_change @AitorGarcia @Basteph_ Fast fashion is low quality but also t-shirts arent the most luxury piece. But [--] for a t-shirt its crazy"  
[X Link](https://x.com/ReturnsJourney/status/1967685509855203517)  2025-09-15T20:22Z 10.2K followers, [--] engagements


"@1leone @iancassel @verdadcap And the fastest millionaires with the highest IRR were lottery winners"  
[X Link](https://x.com/ReturnsJourney/status/1967784991456456878)  2025-09-16T02:57Z 10.2K followers, [--] engagements


"@Valuehunte @finance_schmidt Note that this is a very active full time investor style. That is probably superior to buy and hold but it comes at a cost ; time and effort"  
[X Link](https://x.com/ReturnsJourney/status/1967918920406536225)  2025-09-16T11:50Z 10.2K followers, [---] engagements


"Fundsmith underperforming for five years. Don't get me wrong I love the general strategy but he cannot even apply it. Constantly buying high and overpaying to sell low. He's what I call a fake quality investor or a closet momentum investor. How many millions of followers and subscribers have been gained with praise threads with a flawed understanding of his predictable future performance At least the good part is that the quality investors with these twitter threads are generally much better investors than Terry"  
[X Link](https://x.com/ReturnsJourney/status/1967932592662946117)  2025-09-16T12:44Z 10.3K followers, [----] engagements


"So if you have a company thats been a value trap but trades at like 5-8 times fcf do you hold add or sell Im talking low or no revenue growth due to some issues just dirt cheap I have been doing well by not selling winners but this is a key issue"  
[X Link](https://x.com/ReturnsJourney/status/1968066066984387018)  2025-09-16T21:34Z 10.2K followers, [----] engagements


"@BrownMarubozu Yes its how they use or don't use the fcf. Time to go activist I guess"  
[X Link](https://x.com/ReturnsJourney/status/1968092239290331616)  2025-09-16T23:18Z 10.2K followers, [---] engagements


"@BruceLe57833967 Long term investing"  
[X Link](https://x.com/ReturnsJourney/status/1968092638286090428)  2025-09-16T23:20Z 10.2K followers, [---] engagements


"So what was the $oscr thesis in one tweet and what can break the thesis in one line I see the pump has died down and everyone was long but now no-one was long anymore"  
[X Link](https://x.com/ReturnsJourney/status/1968269846438944988)  2025-09-17T11:04Z 10.3K followers, [----] engagements


"@atelicinvest @BreakingSaaS @lovable_dev Ive been looking at this problem and use google fetch to read company urls but some sites reject/fail. also gemini calls but gemini can't even follow google news or understand the year we in"  
[X Link](https://x.com/ReturnsJourney/status/1968271257423806809)  2025-09-17T11:10Z 10.2K followers, [--] engagements


"@Aureliusltd28 No it was short dollar when Trump was elected"  
[X Link](https://x.com/ReturnsJourney/status/1968284948688994492)  2025-09-17T12:04Z 10.2K followers, [---] engagements


"Mm I wonder what other company has a lot of purchase data and is just launching an ads business. Amazon's "unfair" advantage in advertising $AMZN https://t.co/xqAJ9bl2BK Amazon's "unfair" advantage in advertising $AMZN https://t.co/xqAJ9bl2BK"  
[X Link](https://x.com/ReturnsJourney/status/1968327365018476783)  2025-09-17T14:53Z 10.3K followers, [----] engagements


"@TheRayMyers I dont include investors feelings in my investing process"  
[X Link](https://x.com/ReturnsJourney/status/1968336408155984234)  2025-09-17T15:29Z 10.2K followers, [---] engagements


"@JulienTechInvst @Geiger_Capital So a country of [--] million people is 22% of nvidia sales worldwide makes total sense"  
[X Link](https://x.com/ReturnsJourney/status/1968471343957004638)  2025-09-18T00:25Z 10.2K followers, [--] engagements


"@davey_juice its not a network effect business much like a marketplace so there is space for a second one. I would be more concerned about interest rates going down in Brazil"  
[X Link](https://x.com/ReturnsJourney/status/1969005429750407410)  2025-09-19T11:47Z 10.2K followers, [---] engagements


"Don't champion a stock like a football fan. If someone gives criticism accept it. If there is a competitive company doing well open to the thesis. I'm a $PYPL bull at this levels but I reviewed and like the current $DLO thesis changed my mind a bit after earnings while I was a skeptic and will review it further. But some $DLO crew is like pulling some false news in their enthusiasm. Like no fintech is offering credit in Latam False: $MELI Like $DLO is the biggest player Adyen is offering Emerging market alternative payment methods too but not as much as $DLO (for now). Don't be a football"  
[X Link](https://x.com/ReturnsJourney/status/1969012467947770140)  2025-09-19T12:15Z 10.3K followers, [----] engagements


"@kaladindz customers going straight for mercado pago/African telcos integration for sure leaving largest markets out. Middle man squeeze. Adyen"  
[X Link](https://x.com/ReturnsJourney/status/1969065968556019717)  2025-09-19T15:48Z 10.3K followers, [---] engagements


"@kaladindz I believe that mercado pago can do it. Adyen and stripe will also allow anyone to receive mercado pago payments. But I think that Dlo still has a bull case for companies who want a wide geographic coverage and I plan to review dlocal more"  
[X Link](https://x.com/ReturnsJourney/status/1969135764114956367)  2025-09-19T20:25Z 10.3K followers, [---] engagements


"@CatNyanpital I invested with AAA tiers ceos and founders and still lost 100% and 90%"  
[X Link](https://x.com/ReturnsJourney/status/1969515768996933886)  2025-09-20T21:35Z 10.2K followers, [---] engagements


"$PYPL Can PayPal come back Two payment veterans with inside experience at $PYPL comment on the opportunities on the payment newsletter. Link in Bio"  
[X Link](https://x.com/ReturnsJourney/status/1969750795282243814)  2025-09-21T13:09Z 10.3K followers, [----] engagements


"@Kross_Roads Hey man have a look and share this really good article on $PYPL https://x.com/ReturnsJourney/status/1969750795282243814 $PYPL Can PayPal come back Two payment veterans with inside experience at $PYPL comment on the opportunities on the payment newsletter. Link in Bio https://t.co/Gum9K08CDf https://x.com/ReturnsJourney/status/1969750795282243814 $PYPL Can PayPal come back Two payment veterans with inside experience at $PYPL comment on the opportunities on the payment newsletter. Link in Bio https://t.co/Gum9K08CDf"  
[X Link](https://x.com/ReturnsJourney/status/1969752040612966618)  2025-09-21T13:14Z 10.2K followers, [---] engagements


"showing a high quality business. The financials for this business are very complicated and one of the metrics referred by the company is distributable net income. I think that it is a good metric to measure the companys performance. (6/20)"  
[X Link](https://x.com/ReturnsJourney/status/1970250284426502328)  2025-09-22T22:14Z 10.3K followers, [---] engagements


"I believe that at the current valuation Vinci Compass is a long term compounder at a bargain price. I cannot measure the upside precisely or give a IRR pulled out of my hat but my plan is to measure it in the multiples of investment generated. (7/20)"  
[X Link](https://x.com/ReturnsJourney/status/1970250287572005107)  2025-09-22T22:14Z 10.3K followers, [---] engagements


"(Note that the Real depreciated by around half during the period versus the USD which itself lost purchasing power to inflation). It IPO in [----] and followed growth avenues: Compass story began in [----] in New York with the launch of the first dedicated Latin American (13/20)"  
[X Link](https://x.com/ReturnsJourney/status/1970250313148895632)  2025-09-22T22:14Z 10.2K followers, [---] engagements


"fund driven by the vision of becoming the leading provider of investment solutions in the region. One year after opening the New York office Compass cemented its presence in Latin America with the opening of an office in Chile. Over time (14/20)"  
[X Link](https://x.com/ReturnsJourney/status/1970250322091053240)  2025-09-22T22:14Z 10.2K followers, [---] engagements


"Compass expanded its footprint across eight countries starting in the United States in [----] entering Chile in the following year Argentina in [----] Peru Mexico and Colombia in [----] Uruguay in [----] and Brazil in [----] (15/20)"  
[X Link](https://x.com/ReturnsJourney/status/1970250326973235521)  2025-09-22T22:14Z 10.2K followers, [---] engagements


"Free cash flow (1) 1: whoops I did it again I took loads of debt oh oh"  
[X Link](https://x.com/ReturnsJourney/status/1970442159250907445)  2025-09-23T10:56Z 10.3K followers, [----] engagements


"PayPal $PYPL is an opportunity at [--] times P/E. We reviewed the various potential bullish points on an article on my payment newsletter. We are two ex insiders with big payment experience. Here is a short summary of our article discussion: We reviewed PayPal's business with a focus on its current financial state new management and potential opportunities. While we hold different views on certain topics we agree on the core aspects of the company. Business PayPal's business is centered on three key areas: its classic branded checkout button its payment processing platform Braintree and a B2B"  
[X Link](https://x.com/ReturnsJourney/status/1970642463581745247)  2025-09-24T00:12Z 10.3K followers, [----] engagements


"@Reignots @bobspaysubstack Its only got popular in the past two weeks. Its coming"  
[X Link](https://x.com/ReturnsJourney/status/1970934766204838179)  2025-09-24T19:34Z 10.3K followers, [--] engagements


"Heat map update: As correctly predicted Argentina was at the top. USA was falling but surprised me and recovered back to the top. China moved up but valuation wise it is still not very substantial it stays in the middle joined by Japan. France UK Colombia I should add Ex Soviet Indonesia states stay at the bottom. Starting a heat map to help investors - thoughts https://t.co/toE292F6Lq Starting a heat map to help investors - thoughts https://t.co/toE292F6Lq"  
[X Link](https://x.com/ReturnsJourney/status/1970970750057132462)  2025-09-24T21:57Z 10.3K followers, [----] engagements


"@BoringBiz_ Third kid life budgeting vibes"  
[X Link](https://x.com/ReturnsJourney/status/1971057430705684965)  2025-09-25T03:41Z 10.3K followers, [---] engagements


"Valuation quite high for a 2/3rd project led business now. [--] times my FCF. Recycling into my tech sub-portfolio of buy and hold forever"  
[X Link](https://x.com/ReturnsJourney/status/1971198160338075773)  2025-09-25T13:00Z 10.3K followers, [----] engagements


"@jakobgreenfeld did Bora Bora get updated overnight"  
[X Link](https://x.com/ReturnsJourney/status/1971599827445408057)  2025-09-26T15:36Z 10.3K followers, [---] engagements


"well after this capital re-injection I am now part of the $DLO gang. it's probably not my best opportunity but an interesting one to track. I have added to other names as well. Sold out of Glintt - [--] bagger for the portfolio 4x after taxes. https://t.co/uEBrAPVZQh Sold out of Glintt - [--] bagger for the portfolio 4x after taxes. https://t.co/uEBrAPVZQh"  
[X Link](https://x.com/ReturnsJourney/status/1971620078979633343)  2025-09-26T16:57Z 10.3K followers, [----] engagements


"@Exclamotite69 yes of course. the states are broke"  
[X Link](https://x.com/ReturnsJourney/status/1971666767060906343)  2025-09-26T20:02Z 10.3K followers, [--] engagements


"What I like about $DLO: -Gaining share within merchant processing probably due to higher conversion rates. Declined payments in EMs /Mexico from my experience is a bitch. It's like nobody converts. ( $Nu bank is the worst lol but maybe they are protecting their users) -It's a merchant onboarding game vs off boarding. They can onboard more. - $Meli and wallets are fine but you still need to maximize normal cards processing because not 100% of users are on $MELI pay. And you cannot easly accept $MELI What I don't like I already said but middle man with some merchants probably trying to go"  
[X Link](https://x.com/ReturnsJourney/status/1971675842641023037)  2025-09-26T20:38Z 10.3K followers, [----] engagements


"@blondesnmoney I have a long history with quality investors. In the end I posted that I learned and improved my dumb value game thanks to quality investors teachings. But some are learning about valuation in 2025"  
[X Link](https://x.com/ReturnsJourney/status/1971676786229760302)  2025-09-26T20:42Z 10.3K followers, [---] engagements


"It's possible although I like the aggregator effect that you mention. If you get a deal with a local integrator directly at a lower price for example like a local fintech. -We also expect new entrants to offer competitive services existing local payment service providers to expand their business to provide cross-border payments-"  
[X Link](https://x.com/ReturnsJourney/status/1971680803186004257)  2025-09-26T20:58Z 10.3K followers, [---] engagements


"@Vincentnls Still makes ebitda. How does it suck Glovo and Uber eats seems the same. Pedidosya is apparently faster than uber on delivery"  
[X Link](https://x.com/ReturnsJourney/status/1971960819060711928)  2025-09-27T15:31Z 10.3K followers, [---] engagements


"@EquityBrian most of the obsession with PayPal started when Adyen was at [--] EV / EBITDA. now still 1/3rd the valuation"  
[X Link](https://x.com/ReturnsJourney/status/1972917685764968563)  2025-09-30T06:53Z 10.3K followers, [---] engagements


"I dreamed for years about getting 10k followers here hit it a bit by accident and now the app is just a shit show of momentum traders that I almost don't care posting"  
[X Link](https://x.com/ReturnsJourney/status/1973145360433553857)  2025-09-30T21:58Z 10.3K followers, [----] engagements


"@Arkalos77 I do a similar approach of coffee canning but not with every position it has to be quality or growth or . sentimental. Deep value gets traded"  
[X Link](https://x.com/ReturnsJourney/status/1973298718138048542)  2025-10-01T08:07Z 10.3K followers, [---] engagements


"@Arkalos77 Im long Bats and Eurofins. Dividend Paying stocks like Bats or Bank of Ireland I use the constant flow of dividends to buy better risk reward positions. But a Bank I am considering selling partially despite taxes"  
[X Link](https://x.com/ReturnsJourney/status/1973300770452938974)  2025-10-01T08:15Z 10.3K followers, [---] engagements


"I am very productive now. Yes it's free shipping. $BABA for the win"  
[X Link](https://x.com/ReturnsJourney/status/1973753069289763044)  2025-10-02T14:12Z 10.3K followers, [----] engagements


"Some account with over 100k followers posted about openAI will replace a bunch of SAAS companies most that work around a database. Totally doesn't understand tech. How do you make data work without having a place to store data 🧐 The worst part is I don't follow him and he showed in my feed. Careful what you read. Good answers thought"  
[X Link](https://x.com/ReturnsJourney/status/1974019133411914026)  2025-10-03T07:50Z 10.3K followers, [----] engagements


"@3Plantey2 @kaladindz I worked with wirecard"  
[X Link](https://x.com/ReturnsJourney/status/1974475898884612562)  2025-10-04T14:05Z 10.3K followers, [---] engagements


"@GSpier Disagree. Because the people won't ask AI for the cheapest stock. The people ask for the stock that go up or the fastest growing stock. Ai may answer the question but nobody is going to ask"  
[X Link](https://x.com/ReturnsJourney/status/1974951833077748080)  2025-10-05T21:36Z 10.3K followers, [---] engagements


"@valuehurts petrobras"  
[X Link](https://x.com/ReturnsJourney/status/1975069849501266033)  2025-10-06T05:25Z 10.3K followers, [---] engagements


"Open AI valuation makes no sense as pure models are a commodity. However customer products (like agentkit ) and customer awareness customer traffic has enormous value. A model= A commodity A user base= Big value https://openai.com/index/introducing-agentkit/ https://openai.com/index/introducing-agentkit/"  
[X Link](https://x.com/ReturnsJourney/status/1975490380012658823)  2025-10-07T09:16Z 10.3K followers, [----] engagements


"DCFs are a sales tool. I do none on my substack and get plenty of pushback for not putting price targets or very rarely. I should do the salesman pitch and say "30% IRR from here until 2028" all the time @ContrarianCurse Closed a fund last year. During the office clear out I spent a week flicking through old sell-side research reports and internal pitches from the previous seven years all neatly filed away. It is incredible how much time and effort went into ideas that with hindsight were @ContrarianCurse Closed a fund last year. During the office clear out I spent a week flicking through old"  
[X Link](https://x.com/ReturnsJourney/status/1976224470206689330)  2025-10-09T09:53Z 10.3K followers, [----] engagements


"$PYPL. I am bullish but we reviewed the key bearish arguments in part 2: 1.PayPal is losing to competition on all products. . 2.Pricing risks. PayPal products are expensive. 3.Tapped out market size and missing Emerging markets. [--]. PayPal is not managed by founders but by managers [--]. No clear plan on how to regain market leadership. 6.Slow top line growth. 7.Braintree is not Neutral 8.The execution and acceleration of innovation. Conclusion: After some strong bearish points my bullish reasons (Low valuation + buybacks + some extra revenue from ads) stand in the short term with a defensive"  
[X Link](https://x.com/ReturnsJourney/status/1976227389962150222)  2025-10-09T10:05Z 10.3K followers, [----] engagements


"@weary_centurion Ok not for me. Still long and have been adding $PYPL"  
[X Link](https://x.com/ReturnsJourney/status/1978073913218220183)  2025-10-14T12:22Z 10.3K followers, [---] engagements


"@Mufasa_Capital I would recommend And Dlocal annual guides https://www.worldpay.com/en/global-payments-report https://www.worldpay.com/en/global-payments-report"  
[X Link](https://x.com/ReturnsJourney/status/1978418750316568939)  2025-10-15T11:12Z 10.3K followers, [---] engagements


"@SayNoToTrading @QualityInvest5 Its easier to open a PayPal claim than a chargeback for many banks. Chargebacks are also damaging merchants and give them extra fees. Terrible experience for merchant"  
[X Link](https://x.com/ReturnsJourney/status/1978737547204256185)  2025-10-16T08:19Z 10.3K followers, [---] engagements


"Jardine Matheson superb hold co with good assets out of Asia. Building value over time. Asian $BRK"  
[X Link](https://x.com/ReturnsJourney/status/735821400452304896)  2016-05-26T13:14Z [----] followers, [--] engagements


"Goodwin $GDWN Best in class industrial holding from the UK"  
[X Link](https://x.com/ReturnsJourney/status/742804248119934976)  2016-06-14T19:41Z [----] followers, [--] engagements

Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing