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# ![@Rufyb Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::737979949.png) @Rufyb Rufybaba

Rufybaba posts on X about investment, inflation, debt, nigeria the most. They currently have XXXXXX followers and XXX posts still getting attention that total XXXXXX engagements in the last XX hours.

### Engagements: XXXXXX [#](/creator/twitter::737979949/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::737979949/c:line/m:interactions.svg)

- X Week XXXXXX -XX%
- X Month XXXXXXXXX +160%
- X Months XXXXXXXXX +165%
- X Year XXXXXXXXX +79%

### Mentions: XX [#](/creator/twitter::737979949/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::737979949/c:line/m:posts_active.svg)

- X Week XX -XX%
- X Month XXX -X%
- X Months XXX +94%
- X Year XXXXX +144%

### Followers: XXXXXX [#](/creator/twitter::737979949/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::737979949/c:line/m:followers.svg)

- X Week XXXXXX +0.18%
- X Month XXXXXX +12%
- X Months XXXXXX +106%
- X Year XXXXXX +170%

### CreatorRank: XXXXXXX [#](/creator/twitter::737979949/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::737979949/c:line/m:influencer_rank.svg)

### Social Influence [#](/creator/twitter::737979949/influence)
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**Social category influence**
[finance](/list/finance)  #6247 [stocks](/list/stocks)  XXXX% [countries](/list/countries)  XXXX% [currencies](/list/currencies)  XXXX% [technology brands](/list/technology-brands)  XXXX% [social networks](/list/social-networks)  XXXX% [automotive brands](/list/automotive-brands)  XXXX% [cryptocurrencies](/list/cryptocurrencies)  XXXX%

**Social topic influence**
[investment](/topic/investment) #1725, [inflation](/topic/inflation) #854, [debt](/topic/debt) #410, [nigeria](/topic/nigeria) 0.49%, [$ul](/topic/$ul) #50, [morgan stanley](/topic/morgan-stanley) #24, [stocks](/topic/stocks) #1267, [reit](/topic/reit) 0.33%, [has been](/topic/has-been) 0.33%, [money](/topic/money) XXXX%

**Top accounts mentioned or mentioned by**
[@iamtennygee](/creator/undefined) [@scfidelis](/creator/undefined) [@countofikoyi](/creator/undefined) [@aejeje3](/creator/undefined) [@darvel_](/creator/undefined) [@grok](/creator/undefined) [@quansimodo](/creator/undefined) [@obesidone](/creator/undefined) [@iamvalhustle](/creator/undefined) [@aduoluwatope](/creator/undefined) [@arinzemaduekwe](/creator/undefined) [@odiraaa](/creator/undefined) [@omoamilor](/creator/undefined) [@miftaudeenabd12](/creator/undefined) [@adenijisheriff2](/creator/undefined) [@rothamhouse](/creator/undefined) [@olabodeabesin](/creator/undefined) [@aadetugbo](/creator/undefined) [@iceugwa](/creator/undefined) [@cowrywise](/creator/undefined)

**Top assets mentioned**
[Unilever plc (UL)](/topic/$ul) [Morgan Stanley (MS)](/topic/morgan-stanley) [ConocoPhillips (COP)](/topic/conocophillips) [Exxon Mobil (XOM)](/topic/exxon-mobil) [Bitcoin (BTC)](/topic/bitcoin)
### Top Social Posts [#](/creator/twitter::737979949/posts)
---
Top posts by engagements in the last XX hours

"Therefore when I see any public offer or rights issue the first thing that comes to mind is the Return on Equity (ROE). If the companys historical ROE consistently falls below a certain threshold or my required return I would pass"  
[X Link](https://x.com/Rufyb/status/1979137430646055241) [@Rufyb](/creator/x/Rufyb) 2025-10-17T10:48Z 22.3K followers, XXX engagements


"☞ Inflation expectations: sellers adjust land prices upward in anticipation of future inflation"  
[X Link](https://x.com/Rufyb/status/1979204415119638750) [@Rufyb](/creator/x/Rufyb) 2025-10-17T15:14Z 22.3K followers, XXX engagements


"🎯 If the investment horizon is short-term volatility becomes a crucial risk measure. On the other hand for long-term investors the primary concern may be achieving the long-term return objective. Debt instruments typically cater for volatility while equity or equity-like instruments typically cater for long-term return"  
[X Link](https://x.com/Rufyb/status/1978808833293046104) [@Rufyb](/creator/x/Rufyb) 2025-10-16T13:02Z 22.3K followers, 19.6K engagements


"Management said there were limited opportunities. At the same time they were exiting some lines Sunlight Omo Lipton though some of those choices came from the parent company"  
[X Link](https://x.com/Rufyb/status/1975015897514569744) [@Rufyb](/creator/x/Rufyb) 2025-10-06T01:50Z 22.3K followers, XXX engagements


"In January 2025 I believed the coy was already fairly priced. Lol it went to do +90% after then"  
[X Link](https://x.com/Rufyb/status/1975015853923148081) [@Rufyb](/creator/x/Rufyb) 2025-10-06T01:50Z 22.3K followers, XXX engagements


"Financial risk refers to the chance that you may fail to fulfill these obligations on time. This is why investment banks advise companies on finding an optimal capital structure tailored to their industry current balance sheet business model and growth objectives"  
[X Link](https://x.com/Rufyb/status/1894400122785509559) [@Rufyb](/creator/x/Rufyb) 2025-02-25T14:52Z 22.2K followers, XXX engagements


"Fidelity Bank there is no way anyone will take you seriously if every bank has released their Q2 numbers and you lads haven't released yours. It's October already what's going on faa"  
[X Link](https://x.com/Rufyb/status/1975190508873175463) [@Rufyb](/creator/x/Rufyb) 2025-10-06T13:24Z 22.2K followers, 13.8K engagements


"REITs have generally delivered poor returns. SFS REIT has been doing quite well recently though"  
[X Link](https://x.com/Rufyb/status/1976250687840452959) [@Rufyb](/creator/x/Rufyb) 2025-10-09T11:37Z 22.2K followers, 7899 engagements


"Another REIT is coming to the market but it is going to be a close-ended fund"  
[X Link](https://x.com/Rufyb/status/1976244896051982534) [@Rufyb](/creator/x/Rufyb) 2025-10-09T11:14Z 22.3K followers, 5275 engagements


"Because of the liquidity crunch Gencos and gas suppliers are not investing as much as they should. Existing shareholders are unable to pay themselves good dividends for the risky venture they undertook"  
[X Link](https://x.com/Rufyb/status/1978585958158156268) [@Rufyb](/creator/x/Rufyb) 2025-10-15T22:17Z 22.3K followers, XXX engagements


"If I plug the multiple Id arrive at a 360bn enterprise value. If I adjust for net debt Id close out at 450bn equity value (Unilevers cash position is super strong about XX% of revenues and nearly XX% of net assets)"  
[X Link](https://x.com/Rufyb/status/1975015874336804899) [@Rufyb](/creator/x/Rufyb) 2025-10-06T01:50Z 22.3K followers, XXX engagements


"Unrelated but. The problem is so obvious yet policymakers seem to be taking no action. Based on estimates land costs account for nearly 40%60% of the total building cost (in urban areas). Imagine paying XX million for a plot of land. What would you expect"  
[X Link](https://x.com/Rufyb/status/1979204365983396335) [@Rufyb](/creator/x/Rufyb) 2025-10-17T15:14Z 22.3K followers, 7886 engagements


"All those billion-dollar funding just to transport 4mm passengers annually Hmmm. Capital allocation must be great"  
[X Link](https://x.com/Rufyb/status/1975563101648171110) [@Rufyb](/creator/x/Rufyb) 2025-10-07T14:05Z 22.3K followers, 35.1K engagements


"Emerging market (EM) equities are expected to rally over the next XX months driven by earnings upgrades demand for geographical diversification and anticipatedinterest rate cuts from the US Federal Reserve along with a weaker dollar. The MSCI EM index has risen for nine straight months buoyed by AI optimism and strong buying from foreign investors. We think the EM equity rally can extend as macro trends and capital inflows remain supportive Kamakshya Trivedi chief foreign exchange and emerging markets strategist in Goldman Sachs Research writes."  
[X Link](https://x.com/Rufyb/status/1979235010860249293) [@Rufyb](/creator/x/Rufyb) 2025-10-17T17:16Z 22.3K followers, 1579 engagements


"Those arrears amount to X trillion in this case"  
[X Link](https://x.com/Rufyb/status/1978585954743980122) [@Rufyb](/creator/x/Rufyb) 2025-10-15T22:17Z 22.3K followers, XXX engagements


"Before I can participate in any primary market issuance of any company I must be reliably sure that the incremental return on equity is solid. If not I would just focus on buying the shares in the secondary market where price dislocations often exist"  
[X Link](https://x.com/Rufyb/status/1979137437654712430) [@Rufyb](/creator/x/Rufyb) 2025-10-17T10:48Z 22.3K followers, XXX engagements


"☞ Foreign currency pressure: landowners benchmark values in USD to hedge FX losses"  
[X Link](https://x.com/Rufyb/status/1979204417967608247) [@Rufyb](/creator/x/Rufyb) 2025-10-17T15:14Z 22.3K followers, XXX engagements


"The profits of land dealers or developers are the woes of real estate developers and property developers"  
[X Link](https://x.com/Rufyb/status/1979204369955352636) [@Rufyb](/creator/x/Rufyb) 2025-10-17T15:14Z 22.3K followers, XXX engagements


"Should Unilever deploy that cash to invest the revenue (and earnings) growth story may be significantly different. I suppose the market considerably adds a premium on Unilever for that possibility"  
[X Link](https://x.com/Rufyb/status/1975015889247629452) [@Rufyb](/creator/x/Rufyb) 2025-10-06T01:50Z 22.3K followers, XXX engagements


"Non-structural factors are: ☞ Speculation & land banking: buying and holding land for capital gains rather than development. Limited supply pushes prices higher"  
[X Link](https://x.com/Rufyb/status/1979204412208738759) [@Rufyb](/creator/x/Rufyb) 2025-10-17T15:14Z 22.3K followers, XXX engagements


"However data show investors arent panicking. The CBOE Volatility Index (a key gauge of market fear) remains low corporate fundamentals look solid and U.S. GDP continues to post strong numbers"  
[X Link](https://x.com/Rufyb/status/1978779143199183144) [@Rufyb](/creator/x/Rufyb) 2025-10-16T11:04Z 22.3K followers, XXX engagements


"Its acquisition of Distell Wines and Spirits also gives it a strategic entry into the spirits category future-proofing its market position"  
[X Link](https://x.com/Rufyb/status/1942897367633797237) [@Rufyb](/creator/x/Rufyb) 2025-07-09T10:43Z 22.2K followers, 1592 engagements


"So unless the Land Use Act and state-level land administration are reformed MREIFs impact will likely be partial: it may help more people access mortgages but not make houses fundamentally affordable"  
[X Link](https://x.com/Rufyb/status/1979204428939870698) [@Rufyb](/creator/x/Rufyb) 2025-10-17T15:14Z 22.3K followers, XXX engagements


"The group of people that come together to pool the capital (i.e. the shareholders) may run the business directly or appoint people to do so. Either way the shareholders are interested in making sustainable profits on their invested capital"  
[X Link](https://x.com/Rufyb/status/1979137428238504414) [@Rufyb](/creator/x/Rufyb) 2025-10-17T10:48Z 22.3K followers, XXX engagements


"@Omoamilor @AlikoDangote The structural issues leading to depreciation are the differential between the inflation rate of the Naira and the inflation rate of the USD. Sadly I don't see any concrete signs that it has been taken care of"  
[X Link](https://x.com/Rufyb/status/1973739256146526368) [@Rufyb](/creator/x/Rufyb) 2025-10-02T13:18Z 22.3K followers, 1065 engagements


"Many managers at other funds come from investment banking with an energy tilt. That is not the same as having the core knowledge of infrastructure financing"  
[X Link](https://x.com/Rufyb/status/1978382090535121030) [@Rufyb](/creator/x/Rufyb) 2025-10-15T08:47Z 22.3K followers, XXX engagements


"Q4 Trend of the NGX This is how the market typically performs in every fourth quarter of the year since 2011. In the past five years the market has consistently delivered a green return averaging +5%. This year should not be different. So far in Q4 the market is up +4%"  
[X Link](https://x.com/Rufyb/status/1977793514596401599) [@Rufyb](/creator/x/Rufyb) 2025-10-13T17:48Z 22.2K followers, 5420 engagements


"Simple businesses are better: People keep drinking milo coffee even in a weak economy (re: Nestl Cadbury etc.) People need to live under a roof (Dancem Lafarge BUA Cem) and most of them need to look nice (CAP Berger) Items need to be packaged many times in a glass container (Beta Glass) That tiktok rave social media influencing Instagram entrepreneur. you need data (MTNN)"  
[X Link](https://x.com/Rufyb/status/1973712836128862279) [@Rufyb](/creator/x/Rufyb) 2025-10-02T11:33Z 22.2K followers, 40.4K engagements


"I no go talk anything but I will drop this (except they misquoted you). By the way we both know that points X and X are 'faabu' but no worries. Fingers crossed"  
[X Link](https://x.com/Rufyb/status/1978094306087821495) [@Rufyb](/creator/x/Rufyb) 2025-10-14T13:43Z 22.3K followers, 45.5K engagements


"Morgan Stanley suggests golds rally may be part of a global financial shift. As central banks reduce reliance on the USD and explore stablecoins or digital assets gold is becoming more strategic"  
[X Link](https://x.com/Rufyb/status/1978779156482547746) [@Rufyb](/creator/x/Rufyb) 2025-10-16T11:04Z 22.3K followers, XXX engagements


"Over XX good years wasted. It is why little wins and gains of today don't move me. Like bruh we need to do 2x 3x or even 4x more to first of all equalise where we were in 2014. There is a lot to do for me to romanticise small gains"  
[X Link](https://x.com/Rufyb/status/1978759989033423347) [@Rufyb](/creator/x/Rufyb) 2025-10-16T09:48Z 22.3K followers, 38.1K engagements


"@MiftaudeenAbd12 @pertschi_rachel That's not what I insinuated. I think you miscomprehended. I said the past ten years have been disastrous and wasted (and that's a fact) and that we need to do increasingly higher to restore parity. How did that relate to GEJ or no GEJ please"  
[X Link](https://x.com/Rufyb/status/1978786939491754168) [@Rufyb](/creator/x/Rufyb) 2025-10-16T11:35Z 22.3K followers, XX engagements


"My attention was glued to Toni Kroos and his movements🥹"  
[X Link](https://x.com/Rufyb/status/1979145169103434203) [@Rufyb](/creator/x/Rufyb) 2025-10-17T11:19Z 22.3K followers, 3193 engagements


"Frankly the macro picture at the time did not justify any large-scale investment by any corporate (case in point: Procter & Gamble learnt the hard way. They had to shut down their $300mm Agbara manufacturing plant investment just after a year or two)"  
[X Link](https://x.com/Rufyb/status/1975015902124057079) [@Rufyb](/creator/x/Rufyb) 2025-10-06T01:50Z 22.3K followers, XXX engagements


"Unilever is actually a difficult one for me to value tbh. In January 2024 when the stock traded for XX per share I estimated that it was going to double. By January 2025 the stock price had risen to XX per share doubled as expected"  
[X Link](https://x.com/Rufyb/status/1975015842158186602) [@Rufyb](/creator/x/Rufyb) 2025-10-06T01:50Z 22.3K followers, 11.1K engagements


"That means only XXX trillion of Fund IIs assets should remain in FGN securities. By implication PFAs may need to offload about XXX billion and reallocate elsewhere"  
[X Link](https://x.com/Rufyb/status/1977856027711225904) [@Rufyb](/creator/x/Rufyb) 2025-10-13T21:56Z 22.2K followers, XXX engagements


"One of the examples of how PE investments can be complex. This example of a management buyout is structured such that a PE fund and the target firms management team invest equity in a newly created Topco acquisition vehicle. Topco with cash then lends the money to Midco. Midco with the loan money from Topco tops up its debt by borrowing another loan (which can be shareholder debt from the PE fund or junior debt from an external financier). After raising these two debts (i.e. from the Topco and additional debt from other sources) Midco lends the money to Bidco. Bidco takes the debt from Midco"  
[X Link](https://x.com/Rufyb/status/1970517451042332937) [@Rufyb](/creator/x/Rufyb) 2025-09-23T15:55Z 22.2K followers, 4574 engagements


"However generating revenue is one thing and making profits is another. GTCO dwarfs Zenith Bank in terms of total assets (Zeniths total assets of 30trn vs GTCOs 15trn) and the trend has always been like that"  
[X Link](https://x.com/Rufyb/status/1905812409069019641) [@Rufyb](/creator/x/Rufyb) 2025-03-29T02:41Z 22.2K followers, 2184 engagements


"Non-structural factors are cyclical or behavioural. They can be managed via market regulation fiscal tools or incentives"  
[X Link](https://x.com/Rufyb/status/1979204409620914300) [@Rufyb](/creator/x/Rufyb) 2025-10-17T15:14Z 22.3K followers, XXX engagements


"However it is also important to note that past performance should not entirely be extrapolated into the future. Sometimes a new capital raise may deliver a different reality say if the company intends to invest in assets that power new growth"  
[X Link](https://x.com/Rufyb/status/1979137433053622641) [@Rufyb](/creator/x/Rufyb) 2025-10-17T10:48Z 22.3K followers, XXX engagements


"Sustainable Competitive Advantage NBs moat lies in: ☞ Unmatched distribution and logistics network. ☞ Comprehensive product portfolio across all market segments (Premium Mainstream Value Stout Malt and recently Spirits). ☞ Brand trust and heritage"  
[X Link](https://x.com/Rufyb/status/1942897237165527356) [@Rufyb](/creator/x/Rufyb) 2025-07-09T10:42Z 22.2K followers, 1697 engagements


"Despite this demand for U.S. Treasuries remains strong including from foreign buyers which shows the dollars dominance isnt going away anytime soon"  
[X Link](https://x.com/Rufyb/status/1978779154406351062) [@Rufyb](/creator/x/Rufyb) 2025-10-16T11:04Z 22.3K followers, XXX engagements


"If gold starts backing fiat currencies or digital assets it could challenge the USDs dominance in global trade and that according to Morgan Stanley might fuel the continuation of golds bull market"  
[X Link](https://x.com/Rufyb/status/1978779158676177145) [@Rufyb](/creator/x/Rufyb) 2025-10-16T11:04Z 22.3K followers, 1098 engagements


"If you grow well enough and your margins are strong enough the market will tend to 'price you' well and your valuations will be strong. So far in H1 2025 the revenue growth: ☞ BUA Foods: +110% ☞ Nestl: +43% ☞ DanSugar: +46% ☞ Nascon: +55% Is it obvious to you why Nascon is my pick on this list Do you see it too"  
[X Link](https://x.com/Rufyb/status/1979155532632953152) [@Rufyb](/creator/x/Rufyb) 2025-10-17T12:00Z 22.3K followers, 5894 engagements


"If that happens we should start seeing some fresh inflows into the market in Q4 2025 which could further strengthen the current positive momentum"  
[X Link](https://x.com/Rufyb/status/1977856030517154142) [@Rufyb](/creator/x/Rufyb) 2025-10-13T21:56Z 22.2K followers, XXX engagements


"U.S. equities and gold are moving in the same direction a rarity in the financial market. Morgan Stanley says there are several reasons behind this unusual trend"  
[X Link](https://x.com/Rufyb/status/1978779138463846467) [@Rufyb](/creator/x/Rufyb) 2025-10-16T11:04Z 22.3K followers, 10.3K engagements


"I was telling someone the other day: Cement price in 2020: 2500 per 50kg Cement price in 2025: 10000 per 50kg Growth: 4x FX rate in 2020 (parallel market): 400/500 FX rate in 2025: 1500 Growth: 3x/4x The product is made in Nigeria"  
[X Link](https://x.com/Rufyb/status/1970137485238780364) [@Rufyb](/creator/x/Rufyb) 2025-09-22T14:45Z 22.2K followers, 54.4K engagements


"I see and acknowledge the MREIF solution that is currently out there but sadly the problem has to be solved at its root causes. It is a subsidy and there is a risk that it won't be sustainable for as long as housing cost drivers remain unchecked"  
[X Link](https://x.com/Rufyb/status/1979204423055249813) [@Rufyb](/creator/x/Rufyb) 2025-10-17T15:14Z 22.3K followers, XXX engagements


"Cadbury is currently looking very good and attractive to me at its current price of XX or 89bn market value"  
[X Link](https://x.com/Rufyb/status/1934790965518024829) [@Rufyb](/creator/x/Rufyb) 2025-06-17T01:51Z 22.2K followers, 49.8K engagements


"Lol you said 'Why were IOCs leaving' And that changed to 'Most IOCs stalled with on new FIDS since 2014 (the same base year I referenced in my initial tweet'. Meanwhile you had ConocoPhillips (2014) Chevron (2015) Addax (2023) ExxonMobil (2024) ENI (2024) and TotalEnergies (2024) all divesting some parts of their assets in the past ten years. As for your 'evidential fact' when you asked to me 'why were we borrowing to pay FG salaries' where did you drop your fact Lmao"  
[X Link](https://x.com/Rufyb/status/1978793707068694807) [@Rufyb](/creator/x/Rufyb) 2025-10-16T12:02Z 22.3K followers, XX engagements


"Why NIDF stands out"  
[X Link](https://x.com/Rufyb/status/1978382085875196155) [@Rufyb](/creator/x/Rufyb) 2025-10-15T08:47Z 22.3K followers, XXX engagements


"You only need to understand how macroeconomic variables (such as GDP inflation interest rate exchange rate etc.) work and how their movement affect the financial markets. That's what you need and you'd make a killing with the moves and decisions you make. 💯🎯"  
[X Link](https://x.com/Rufyb/status/1977787161899421898) [@Rufyb](/creator/x/Rufyb) 2025-10-13T17:22Z 22.3K followers, 9632 engagements


"The whole conversation about digital assets and gold reminds me of my then thesis on Bitcoin and why I bought some then. Today I couldn't be bothered about the daily swings of Bitcoin prices. It's to hold till further notice"  
[X Link](https://x.com/Rufyb/status/1978779161159258276) [@Rufyb](/creator/x/Rufyb) 2025-10-16T11:04Z 22.3K followers, 1099 engagements


"On one side some investors are buying gold as a hedge against a possible AI-driven bubble in stocks. The high P/E ratios and the heavy concentration of the S&P XXX in a few mega-cap tech stocks make them uneasy"  
[X Link](https://x.com/Rufyb/status/1978779140758118893) [@Rufyb](/creator/x/Rufyb) 2025-10-16T11:04Z 22.3K followers, 1003 engagements


"I agree with him. Masa used to be Nvidia's largest shareholder and then he sold. Nvidia went on to do crazy stuff afterwards. Earlier this year the earnings growth of Nvidia relative to the market value presented a very rare opportunity that I capitalised on. That's by the way. There is a question mark about whether Nvidia's growth rate will sustain. In the near to medium term I think so. In the long term it can still maintain it's earnings growth rate. GDP growth is a function of (i) labour (ii) productivity Labour is a function of labour supply labour participation rate and net immigration."  
[X Link](https://x.com/Rufyb/status/1975491791500488932) [@Rufyb](/creator/x/Rufyb) 2025-10-07T09:22Z 22.3K followers, 17K engagements


"There is rarely any role in a bank that is better than any Big Four in the long run in terms of career progression. Except for specific technical roles (e.g. someone has passion for treasury credit analysis or corporate banking). Banks salivate folks from Big Four to fill Managers and Senior Managers roles. An individual that started in a Big Four can get those roles in a bank in less than ten years. If you started in a bank it will take 'forever'"  
[X Link](https://x.com/Rufyb/status/1974756318301811169) [@Rufyb](/creator/x/Rufyb) 2025-10-05T08:39Z 22.3K followers, XXX engagements


"We go seriously need capital for this market. Serious capital"  
[X Link](https://x.com/Rufyb/status/1974954553306181968) [@Rufyb](/creator/x/Rufyb) 2025-10-05T21:47Z 22.2K followers, 16.9K engagements


"I didnt answer your question directly. To put it specifically I dont know or I can not say if Unilever is overvalued or undervalued). Id rather consider a Nestl Nascon or even maybe Dangote Sugar first"  
[X Link](https://x.com/Rufyb/status/1975015920084124152) [@Rufyb](/creator/x/Rufyb) 2025-10-06T01:51Z 22.3K followers, 1437 engagements


"By the way expect your mutual fund returns to further decline in the coming weeks or months. likely around 12%14% yield levels"  
[X Link](https://x.com/Rufyb/status/1979146593501614507) [@Rufyb](/creator/x/Rufyb) 2025-10-17T11:24Z 22.3K followers, XXX engagements


"In the past market folks wondered why Unilever had tons of cash on its books without deploying it. They did not invest they did not grant credit sales they did not pay 'strong' dividends"  
[X Link](https://x.com/Rufyb/status/1975015893349347805) [@Rufyb](/creator/x/Rufyb) 2025-10-06T01:50Z 22.3K followers, XXX engagements


"@Polymath100 Okay o"  
[X Link](https://x.com/Rufyb/status/1978819423797449091) [@Rufyb](/creator/x/Rufyb) 2025-10-16T13:44Z 22.3K followers, XXX engagements


"The market may be pricing in all these things that may seem like a positive development. It may see some strong future growth but I am generally conservative. Id rather look for clear most-likely winners at a lot more attractive price. Call it margin-of-safety"  
[X Link](https://x.com/Rufyb/status/1975015915403223474) [@Rufyb](/creator/x/Rufyb) 2025-10-06T01:51Z 22.3K followers, XXX engagements


"Based on my estimates I expect Unilever to deliver 45bn EBITDA in 2025. What EV/EBITDA multiple can we consider fair Let us say a range of 6x 10x (say we want to be very generous). In that case why not let us call it 8x"  
[X Link](https://x.com/Rufyb/status/1975015869299544574) [@Rufyb](/creator/x/Rufyb) 2025-10-06T01:50Z 22.3K followers, XXX engagements


"Talent and know-how Infrastructure financing is a specialised field. You need people who understand financing structure credit risk core contracts project finance basics process and risk sharing. The NIDF team is very strong on this"  
[X Link](https://x.com/Rufyb/status/1978382088156946814) [@Rufyb](/creator/x/Rufyb) 2025-10-15T08:47Z 22.3K followers, XXX engagements


"Singapore solved housing by locking land finance and housing policy into one system. Nigerias MOFIMREIF model tries to fix the finance but not yet the land which is the biggest cost driver"  
[X Link](https://x.com/Rufyb/status/1979204425978651065) [@Rufyb](/creator/x/Rufyb) 2025-10-17T15:14Z 22.3K followers, XXX engagements


"One thing to note: lower interest rates are only possible because inflation is easing. Interest rates are simply the price of risk and that price is largely driven by inflation trends. Lets hope this positive trend (of declining inflation) continues"  
[X Link](https://x.com/Rufyb/status/1979146591278645331) [@Rufyb](/creator/x/Rufyb) 2025-10-17T11:24Z 22.3K followers, XXX engagements


"I was in some really good mood late last night so I decided to look into my spreadsheet for potential openings. I was able to see a few things. Please note I'm simply freestyling here. Whatever you choose to do with this information is entirely your responsibility. I have an existing (significant) stake in the majority of these names. Always do your own due diligence. Again I'm just freestyling. Mo ke to o"  
[X Link](https://x.com/Rufyb/status/1972982192075608219) [@Rufyb](/creator/x/Rufyb) 2025-09-30T11:09Z 22.3K followers, 22.6K engagements


"I mean Wema Bank for instance used to be poor until something changed. That transformation shows how strategic reinvestment can alter a companys trajectory if the capital is deployed wisely"  
[X Link](https://x.com/Rufyb/status/1979137435263959538) [@Rufyb](/creator/x/Rufyb) 2025-10-17T10:48Z 22.3K followers, XXX engagements